Careyourpresent

Living a regret-free fulfilling life daily regardless of circumstances

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Author: careyourpresent

Trading a Guaranteed Today with an Uncertain Tomorrow

Posted on March 17, 2024April 4, 2024 by careyourpresent

One can always spend their time and life energy worrying about future, planning about future..while forgetting about current.

However,…what about now?

No one is immortal. There is always a last time.

Time is the ultimate wealth, not money.

Happy is free.

Yes you can worry, but what if later never come? I know live in present is not easy but we all must strive to do so.

You work hard and spend long precious waking hours in career.

Left little time with your loved one, for yourself.

You understand time value of money.

You understand delay gratification. Spend less money now for future.

But you are trading a Guaranteed Today with an Uncertain Tomorrow.

Tomorrow could be better due to all your various efforts, but one thing for sure.

IT WILL Look different

IT WILL LOOK Different – Yes, you will have more money, better financial security, nicer houses..

BUT you are no longer young, health is not there, many things that you could do in the past, you can do now. Your energy level will be much lower.

Your kids has grown up, they no longer wants to spend precious intimate time to play with you. They want to spend time with their friends, their own hobbies.

Your parents are old, they may not even be around.

Of course, you can always carry those money to your tomb.

If you don’t want, do something now.

It’s a weekend and I thought we should remind one another.

Look at these pictures. Pictures are more powerful than words.

Few pictures that change my life.

Disclaimer (these pictures are not from me. Saw on X and on internet)

No one is immortal.

There is always a last time.

Last time your kids ask you to carry

Last time they climb on you.

Time is the ultimate wealth, not money. pic.twitter.com/OSMSS0q8wb

— Edmond | Careyourpresent (@careyourpresent) November 12, 2023

Free USD$800 from Airdrop

Posted on March 15, 2024March 15, 2024 by careyourpresent

“Crypto is ponzi with no real world values. It’s just an electronic count with no real asset backings.”

We always hear the above. Of course there are truth in this statement but…

It is also true that Crypto can make you lots of money from little money. One of the way which I have mentioned before is Crypto.

Crypto Twitters (a.k.a CT)

If you are into CT, you would know that many big influencers with xxx K followers always post pictures that you can earn $10000, etc just from $15 via airdrops, then they would put a picture to show and makes people FOMO.

Some time they bought some meme coins, then shill them to make people FOMO.

There are some truth in these pictures/statements but not always true. Some time you are their exit liquidity.

Repeat after me.

You are their exit liquidity.

However, for those low cost airdrop, one could always put some money to try. No harm, afterall, it’s free money right?

What are Airdrops?

Previously, I have shared some posts about airdrops, let me re-share them again.

Time for Free AirdropS!
Cryptocurrency Airdrop, AKA, Free Money! and some Updates
It’s a long start of the year – what I have been busy with?

Let me show your real example

Recently I got into $AEVO. I was too busy to type a post about this in my blog but I did share in my Twitter.

While stock last! $AEVO https://t.co/to9BctqhGY

— Edmond | Careyourpresent (@careyourpresent) January 14, 2024

For those who real take action farm will be rewarded.

Depending on how much effort that you have put in and how much money that you have put in, your rewards would be vastly different.

My AEVO Story

From around the date where I shared the post about $AVEO in my twitter as above, I put in $200 USDC into the account and started trading in their account.

They came out with boosted volume and eventually my boosted volume is $300k before the snapshot. Base volume is about $62k.

https://t.co/ukRLOqkaSC$AEVO @aevoxyz

Last day of farm boost!

Quick! pic.twitter.com/47EncIk8U7

— Edmond | Careyourpresent (@careyourpresent) March 6, 2024

How much money did I earn from the $200 efforts for airdrop?

For Airdrop $800 USDC

thanks $AEVO for free money. pic.twitter.com/DxWgtmFQzm

— Edmond | Careyourpresent (@careyourpresent) March 14, 2024

For Trading Profits

I forgot to screenshot this, but eventually I took out about $500 USDC from it.

Total Profit from $200 capital -> $800 + $(500-200) = $1100.

Not too shabby for few months of effort and fun in trading.

Airdrop is good Money

What I am sharing with you is that Airdrop is good money if you put in the effort to “Farm”, even with little capital.

Of course there are also cases which you farmed for nothing and the airdrop give you only few cents/dollars as compared to the effort and money put in.

It’s both luck and effort.

In short, to earn in Crypto, you need effort to read and find out and try.

Put small money and try if you want but remember to sell and take profit.

Deal 1:

Interest rates are getting lower everywhere and there are usually many hoops to jump to get higher rate such as OCBC 360 and UOB ONE!
Consider Maribank, one of the fuss free and give you 1.28% daily without any conditions! Interest is credited daily!

Sign up for MariBank using my referral code: 2KGZ29UL.
https://www.maribank.sg/product/mari-savings-account/

Insured up to S$100k by SDIC.

Deal 2:

Best Items that I have bought from Shopee.

ONLY the best useful worthy items

Many people I realised that they have only shared things that give them the most commissions. I am different. I will only share things that I have bought, used and found it to be good.

Deal 3:

Webull – Get free money!

Good deal! Do not miss this! Sign up here now for free money!!

Deal 4:

Trust Bank New Clients

  • Sign up using referral code KNDBPEPT. Key in this code after you download the Trust Bank App from Trust Bank Website
  • No minimum balance account
  • No foreign transaction fee, great exchange rates when overseas. See my review via Trust Card – Excellent Card for overseas usage.

Deal 5:

FSMone – Cheap Comms and can transfer your shares to Personal/Joint CDP for Free

I am using FSMOne.com to invest in funds & ETFs (including money market funds). FSM is good due to the low comms and the free transfer from FSMOne to CDP (typically takes less than a week to transfer). If you do not have an account, you can sign up here. Please use my FSMOne referral code: P0413007.

  • You can read my experience of how I buy cheaply using FSMOne and then transfer my shares to Joint CDP within few days via $0 Free of Charge Transfer of SGX Shares from FSM to CDP and updates! – Done in less than 3 days!
  • I am also using FSMOne as part of my Estate Planning Plan. You can read about this via Simplified Guide to the Key Gist of Grant of Probate and Estate Planning

Deal 6:

Eskimo – Best Option for Roaming!

For now, you can get 500MB for free just by signing up with my referral link, no purchase required (I get 500MB only too, but only if you buy a paid plan). Referral code: CHING104915

You can read my review here.

  • Battle of Enough VS Spending for Financial Bloggers
  • Ultimate Formula for FIRE (Financial Independent, Retire Early)
  • Demise of REITs and do you still believe in REITs?
  • Dividend Investing is Dangerous
  • SSB Bond Ladders
  • Simplified Guide to the Key Gist of Grant of Probate and Estate Planning
  • Cheapest and best way to trade Singapore Stocks with CDP
  • Mastering Dividend Investing: 5 Evergreen Investment Principles
  • Unlock Lucrative Returns with IAPD: A High-Yield ETF Providing 7% Annual Yield and Quarterly Payouts
  • Unlock Lucrative Returns with SDIV: A High-Yield ETF Providing 11% Annual Yield and Monthly Payouts
  • If I am a dividend investor, this is what I would do….
  • 7 Things to consider before buy a dividend stock
  • 4 Dividend ETFs that can let you sleep well even in the scary bear market
  • 5 Best Counters for Passive Dividend Investing
  • The Three MOST Important Traits of an Investor
  • What is the best investment strategy in the world?
  • Ultimate Strategy of buying REITS: XXX instead of X000?
  • Ultimate Free 2 Days Reit MasterClass: Exclusive at Careyourpresent.com

Money just buy you the chance of freedom but can’t buy back time. In life, there is no reset button. Time is limited but money is not.

When you are young and working, you exchange time for money. When you are old, you can have lots of money but you can’t buy time back, especially the things that you have missed (your strong health, time with young child) while busying striking out in career.

Your kids grew up and they no longer need you to accompany them. They no longer want to sit on your lap to share/do things with you…all these time you spent in your 9 to 6 or even longer cubicles…can the money that you have earned by you back these?

We always thought we have more time with our old parents, but we are wrong. Time with them is ticking away every day. One day it will suddenly be gone. There is no regret medicine, no reset in time. Gone is gone and cannot come back. No matter you are billionaires or millionaires, you cannot reset this.

We always thought that we have more time with our spouse every day, but we are wrong. One day they will be gone too. When you read this, please go tell your spouse that you love him/her and he or she is the best thing that you ever had in your life.

Love your life daily. You have one less day with your spouse, parents, children and yourself. Time is ticking away.

Focusing Careyourpresent & living a fulfilling life by supercharging your mind & investment/online income. Careyourpresent Series focus on things that one MUST know in their Life.

  • Embracing the Transience: Life Is Short
  • Are you one of them?
  • Three Pictures to change your Life and Mind
  • Live in Present is not easy
  • 小时候,幸福很简单。长大了,简单很幸福。
  • The Best Advice to Parents and Child
  • What if Later never come?
  • What will you bring with you on your last day on Earth?
  • Time is the ultimate currency, not money
  • Our Life only have 5 short Days – we should live the best for every day
  • Truly understand Living in the Moment now
  • 11 Important Unexpected Life and Money lessons to learn from Your Children
  • The days are long but the years are short
  • Ditch your mobile phone to build real life
  • Careyourpresent: Time is the most important
  • Careyourpresent: What is your purpose of life?
  • Careyourpresent : Greatest Regrets in life
  • Careyourpresent : You might not believe it. It’s little unexpected things that make up a real life
  • Careyourpresent: Something only happen once in life, if you missed it, it’s gone forever…
  • Careyourpresent : Why is Gold useful?
  • Careyourpresent: Frozen. Let it go!

More articles can be found here.

For those who are interested in regular updates of my articles, please join the others to sign up for my free newsletter to has my newest blogposts sent to your mailbox for free!

For real time exclusive updates on market news/life (especially Crypto markets where the news move fast, important news will be shared directly via tweets or telegrams), do also join the platforms below and engage with other like-minded people!

  • Telegram Group (Chat with me and other like minded people!)
  • Telegram Channel (Get the latest updates on the markets/life!)
  • Twitter
  • Facebook
  • RSS Feed

You may also contact me via [email protected].

I am the God of Investing!

Posted on February 25, 2024February 25, 2024 by careyourpresent

Many people think that they are God of Investing.

I am the God of Investing!

To do so, I can simply do stock picks of individual stocks, in distress or great potential to goes up in future. Then I can get 100% or 1000% gain within a year, then can just compound and be super rich! I can easily buy the next Amazon and Apple while they are very low market CAP and earn to the max!

Many people think they that they are the God of Investing!

They would beat the market return and most often, they really do for some times, and they really do. They beat the market, use a rod to beat up the market.

They laugh and think they can beat the index return, beating those who are satisfied with low return of 4-7% return in “safe” Singapore dividend stocks.

Then laugh at others with low 4-7% annual return. Have Fun Staying Power!

Yes, they are the God of Investing…

But Karma will come by one day. One bad trade and one lose all!

Photo by Davide Cantelli on Unsplash

Truth

The truth is often otherwise.

One maybe has newbie luck to win the markets over a few trades, but could one do it in the long run? |
If yes, everyone in the world will be already Warren Buffett.

Photo by micheile henderson on Unsplash

I can safely say that majority of the investors (90%) would be better with either of these two approaches.

  • Those who prefer regular cashflow: Invest in super “safe SG stocks“ that give 3-7% dividends stock with very minimal risk of capital. Of course this has country risk. But one can just collect dividends and chill every year. Better for your mental with regular cashflow. After dividends come in, go back and invest more to compound further. Of simply do ETF investing that given some dividend returns for those who are not sure how to pick “safe” stocks. (Can go read this post by Dr Tii).
  • Those who believe in the regular improvement of the world: Invest in world index fund like VWRA using DCA method and hope that the end of the world will not come and things always goes higher eventually given the human nature of keep improving things.
Photo by Nick Morrison on Unsplash

Learn investing from courses? Unpopular Opinion.

One more thing, more those who think they can become great investors after attending courses for few hours or days, think again.

Many of us attended decades of school from Primary, Secondary, JC, Poly, University. Dig your memories: For a simple academic knowledge that we need to learn like Mathematics (e.g. Calculus), how long did you learn it? Did you learn and Master it within just a few lessons? really?

Likewise, attending classes for investing for few hours, or few days would not make you a super better investor.

If this really so, why there are so many lousy investors around? Attending Courses simply make your course instructor rich! If they are so good in the first place, they would rather spend time doing their own investing/trading instead, why waste time teaching you?

The reason is simple: You are their consistent cash cow.

Anyway, if you still wish attend courses, you can join my course for free via

Ultimate Free 2 Days Reit MasterClass: Exclusive at Careyourpresent.com

(Of course, no harm spending some amount doing some trading, pick stocks etc. I did for Crypto too!)

Deal 1:

Interest rates are getting lower everywhere and there are usually many hoops to jump to get higher rate such as OCBC 360 and UOB ONE!
Consider Maribank, one of the fuss free and give you 1.28% daily without any conditions! Interest is credited daily!

Sign up for MariBank using my referral code: 2KGZ29UL.
https://www.maribank.sg/product/mari-savings-account/

Insured up to S$100k by SDIC.

Deal 2:

Best Items that I have bought from Shopee.

ONLY the best useful worthy items

Many people I realised that they have only shared things that give them the most commissions. I am different. I will only share things that I have bought, used and found it to be good.

Deal 3:

Webull – Get free money!

Good deal! Do not miss this! Sign up here now for free money!!

Deal 4:

Trust Bank New Clients

  • Sign up using referral code KNDBPEPT. Key in this code after you download the Trust Bank App from Trust Bank Website
  • No minimum balance account
  • No foreign transaction fee, great exchange rates when overseas. See my review via Trust Card – Excellent Card for overseas usage.

Deal 5:

FSMone – Cheap Comms and can transfer your shares to Personal/Joint CDP for Free

I am using FSMOne.com to invest in funds & ETFs (including money market funds). FSM is good due to the low comms and the free transfer from FSMOne to CDP (typically takes less than a week to transfer). If you do not have an account, you can sign up here. Please use my FSMOne referral code: P0413007.

  • You can read my experience of how I buy cheaply using FSMOne and then transfer my shares to Joint CDP within few days via $0 Free of Charge Transfer of SGX Shares from FSM to CDP and updates! – Done in less than 3 days!
  • I am also using FSMOne as part of my Estate Planning Plan. You can read about this via Simplified Guide to the Key Gist of Grant of Probate and Estate Planning

Deal 6:

Eskimo – Best Option for Roaming!

For now, you can get 500MB for free just by signing up with my referral link, no purchase required (I get 500MB only too, but only if you buy a paid plan). Referral code: CHING104915

You can read my review here.

  • Battle of Enough VS Spending for Financial Bloggers
  • Ultimate Formula for FIRE (Financial Independent, Retire Early)
  • Demise of REITs and do you still believe in REITs?
  • Dividend Investing is Dangerous
  • SSB Bond Ladders
  • Simplified Guide to the Key Gist of Grant of Probate and Estate Planning
  • Cheapest and best way to trade Singapore Stocks with CDP
  • Mastering Dividend Investing: 5 Evergreen Investment Principles
  • Unlock Lucrative Returns with IAPD: A High-Yield ETF Providing 7% Annual Yield and Quarterly Payouts
  • Unlock Lucrative Returns with SDIV: A High-Yield ETF Providing 11% Annual Yield and Monthly Payouts
  • If I am a dividend investor, this is what I would do….
  • 7 Things to consider before buy a dividend stock
  • 4 Dividend ETFs that can let you sleep well even in the scary bear market
  • 5 Best Counters for Passive Dividend Investing
  • The Three MOST Important Traits of an Investor
  • What is the best investment strategy in the world?
  • Ultimate Strategy of buying REITS: XXX instead of X000?
  • Ultimate Free 2 Days Reit MasterClass: Exclusive at Careyourpresent.com

Money just buy you the chance of freedom but can’t buy back time. In life, there is no reset button. Time is limited but money is not.

When you are young and working, you exchange time for money. When you are old, you can have lots of money but you can’t buy time back, especially the things that you have missed (your strong health, time with young child) while busying striking out in career.

Your kids grew up and they no longer need you to accompany them. They no longer want to sit on your lap to share/do things with you…all these time you spent in your 9 to 6 or even longer cubicles…can the money that you have earned by you back these?

We always thought we have more time with our old parents, but we are wrong. Time with them is ticking away every day. One day it will suddenly be gone. There is no regret medicine, no reset in time. Gone is gone and cannot come back. No matter you are billionaires or millionaires, you cannot reset this.

We always thought that we have more time with our spouse every day, but we are wrong. One day they will be gone too. When you read this, please go tell your spouse that you love him/her and he or she is the best thing that you ever had in your life.

Love your life daily. You have one less day with your spouse, parents, children and yourself. Time is ticking away.

Focusing Careyourpresent & living a fulfilling life by supercharging your mind & investment/online income. Careyourpresent Series focus on things that one MUST know in their Life.

  • Embracing the Transience: Life Is Short
  • Are you one of them?
  • Three Pictures to change your Life and Mind
  • Live in Present is not easy
  • 小时候,幸福很简单。长大了,简单很幸福。
  • The Best Advice to Parents and Child
  • What if Later never come?
  • What will you bring with you on your last day on Earth?
  • Time is the ultimate currency, not money
  • Our Life only have 5 short Days – we should live the best for every day
  • Truly understand Living in the Moment now
  • 11 Important Unexpected Life and Money lessons to learn from Your Children
  • The days are long but the years are short
  • Ditch your mobile phone to build real life
  • Careyourpresent: Time is the most important
  • Careyourpresent: What is your purpose of life?
  • Careyourpresent : Greatest Regrets in life
  • Careyourpresent : You might not believe it. It’s little unexpected things that make up a real life
  • Careyourpresent: Something only happen once in life, if you missed it, it’s gone forever…
  • Careyourpresent : Why is Gold useful?
  • Careyourpresent: Frozen. Let it go!

More articles can be found here.

For those who are interested in regular updates of my articles, please join the others to sign up for my free newsletter to has my newest blogposts sent to your mailbox for free!

For real time exclusive updates on market news/life (especially Crypto markets where the news move fast, important news will be shared directly via tweets or telegrams), do also join the platforms below and engage with other like-minded people!

  • Telegram Group (Chat with me and other like minded people!)
  • Telegram Channel (Get the latest updates on the markets/life!)
  • Twitter
  • Facebook
  • RSS Feed

You may also contact me via [email protected].

I want to slow down but I can’t

Posted on February 20, 2024February 20, 2024 by careyourpresent

I want to slow down but I can’t

Busy is part of modern day life. I am busy, you are busy, he is busy, she is busy. We almost busy everyday. Weekdays busy with work, child, friends, life, etc. Weekends busy to recuperate from the hassle of weekdays. Weekends are precious and so short whereas weekdays seems so long.

When we try to slow down and really enjoy life, see your surroundings, many of us will find difficulty because we are so used to busyness… and don’t know how to slow down.

But…

We should learn to slow down so that we will not regret one day – suddenly at 50+, 60+ and asked ourselves?

Where did my precious life and time gone do? What have I really lived and did I really live a fulfilling life with no regrets?

Sad Fact of Life

I don’t know how to slow down. I find it hard to slow down. I

tend to rush through things. When I bring my kids to buy food, grocery shopping at supermarket, not sure why I tend to walk fast and just want to buy and go. It’s difficult to slow down and simply window shop and enjoy time to her.

I guess we are too used to rushing here and there while forgetting how to live a real life.

Remember: We all will die one day

Many people keep thinking tomorrow and tomorrow, forgetting to live today.

Subconsciously they think that they will not die.

For me, I also tend to forget the fact that I do will die one day.

I tend to forget that I am 41 years old this year. If I am lucky, I still have slightly less than half of my life time till 80 years old.

If not, I have already lived and left with less than half of my life.

Is having so much money that important? Job that pays you salary that important?

or there are much more important things in life?

Few pictures that change my life.

Disclaimer (these pictures are not from me. Saw on X and on internet)

No one is immortal.

There is always a last time.

Last time your kids ask you to carry

Last time they climb on you.

Time is the ultimate wealth, not money. pic.twitter.com/OSMSS0q8wb

— Edmond | Careyourpresent (@careyourpresent) November 12, 2023

The Book

Remember that I have shared this book earlier?

The Things You Can See Only When You Slow Down

Share some texts from the book:

One spring day as I turned thirty, I looked into my mind and realized
three things. The moment I realized them, I knew what I had to do to be
happy.


First, people are not as interested in me as I had always believed. I
cannot remember what my friend was wearing when I saw her a week
ago. Or how her makeup was or what her hair was like. If I cannot
remember, then why would she remember similar things about me?
Although we do think about others from time to time, it is rarely for
more than a few minutes. When we are done thinking about other
people, our minds revert to what immediately concerns us. Why should
we spend so many hours of our lives worrying about how we appear to
others?


Second, not everyone has to like me. After all, I do not like
everyone. Certainly for all of us, there are politicians, coworkers,
clients, and family members we simply cannot stand. So then why
should everyone like me? There is no need to torment yourself because
someone dislikes you. Accept it as a fact of life; you cannot control how
others feel about you. If someone does not like you, let her have her
opinion. Just move on.


Third, if we are brutally honest with ourselves, most things we do for
others are in fact for ourselves. We pray for the well-being of our family
because we need them to be around. We shed tears when our partner
dies because of the impending loneliness. We sacrifice for our children
in the hope that they will grow up the way we want. Unless we become
enlightened like the Buddha or Jesus, it is difficult to abandon our deep-
rooted preoccupation with ourselves.


Stop worrying about what others think and just do what your heart
wishes. Do not crowd your mind with “what ifs.” Uncomplicate your
life and own up to your desires. Only when you are happy can you help
to make the world a happier place.

Please remember this – forget about whatifs. Follow your heart.

Stop worrying about what others think and just do what your heart
wishes.

Do not crowd your mind with “what ifs.” Uncomplicate your
life and own up to your desires.

Only when you are happy can you help
to make the world a happier place.

— Edmond | Careyourpresent (@careyourpresent) February 19, 2024

Deal 1:

Interest rates are getting lower everywhere and there are usually many hoops to jump to get higher rate such as OCBC 360 and UOB ONE!
Consider Maribank, one of the fuss free and give you 1.28% daily without any conditions! Interest is credited daily!

Sign up for MariBank using my referral code: 2KGZ29UL.
https://www.maribank.sg/product/mari-savings-account/

Insured up to S$100k by SDIC.

Deal 2:

Best Items that I have bought from Shopee.

ONLY the best useful worthy items

Many people I realised that they have only shared things that give them the most commissions. I am different. I will only share things that I have bought, used and found it to be good.

Deal 3:

Webull – Get free money!

Good deal! Do not miss this! Sign up here now for free money!!

Deal 4:

Trust Bank New Clients

  • Sign up using referral code KNDBPEPT. Key in this code after you download the Trust Bank App from Trust Bank Website
  • No minimum balance account
  • No foreign transaction fee, great exchange rates when overseas. See my review via Trust Card – Excellent Card for overseas usage.

Deal 5:

FSMone – Cheap Comms and can transfer your shares to Personal/Joint CDP for Free

I am using FSMOne.com to invest in funds & ETFs (including money market funds). FSM is good due to the low comms and the free transfer from FSMOne to CDP (typically takes less than a week to transfer). If you do not have an account, you can sign up here. Please use my FSMOne referral code: P0413007.

  • You can read my experience of how I buy cheaply using FSMOne and then transfer my shares to Joint CDP within few days via $0 Free of Charge Transfer of SGX Shares from FSM to CDP and updates! – Done in less than 3 days!
  • I am also using FSMOne as part of my Estate Planning Plan. You can read about this via Simplified Guide to the Key Gist of Grant of Probate and Estate Planning

Deal 6:

Eskimo – Best Option for Roaming!

For now, you can get 500MB for free just by signing up with my referral link, no purchase required (I get 500MB only too, but only if you buy a paid plan). Referral code: CHING104915

You can read my review here.

  • Battle of Enough VS Spending for Financial Bloggers
  • Ultimate Formula for FIRE (Financial Independent, Retire Early)
  • Demise of REITs and do you still believe in REITs?
  • Dividend Investing is Dangerous
  • SSB Bond Ladders
  • Simplified Guide to the Key Gist of Grant of Probate and Estate Planning
  • Cheapest and best way to trade Singapore Stocks with CDP
  • Mastering Dividend Investing: 5 Evergreen Investment Principles
  • Unlock Lucrative Returns with IAPD: A High-Yield ETF Providing 7% Annual Yield and Quarterly Payouts
  • Unlock Lucrative Returns with SDIV: A High-Yield ETF Providing 11% Annual Yield and Monthly Payouts
  • If I am a dividend investor, this is what I would do….
  • 7 Things to consider before buy a dividend stock
  • 4 Dividend ETFs that can let you sleep well even in the scary bear market
  • 5 Best Counters for Passive Dividend Investing
  • The Three MOST Important Traits of an Investor
  • What is the best investment strategy in the world?
  • Ultimate Strategy of buying REITS: XXX instead of X000?
  • Ultimate Free 2 Days Reit MasterClass: Exclusive at Careyourpresent.com

Money just buy you the chance of freedom but can’t buy back time. In life, there is no reset button. Time is limited but money is not.

When you are young and working, you exchange time for money. When you are old, you can have lots of money but you can’t buy time back, especially the things that you have missed (your strong health, time with young child) while busying striking out in career.

Your kids grew up and they no longer need you to accompany them. They no longer want to sit on your lap to share/do things with you…all these time you spent in your 9 to 6 or even longer cubicles…can the money that you have earned by you back these?

We always thought we have more time with our old parents, but we are wrong. Time with them is ticking away every day. One day it will suddenly be gone. There is no regret medicine, no reset in time. Gone is gone and cannot come back. No matter you are billionaires or millionaires, you cannot reset this.

We always thought that we have more time with our spouse every day, but we are wrong. One day they will be gone too. When you read this, please go tell your spouse that you love him/her and he or she is the best thing that you ever had in your life.

Love your life daily. You have one less day with your spouse, parents, children and yourself. Time is ticking away.

Focusing Careyourpresent & living a fulfilling life by supercharging your mind & investment/online income. Careyourpresent Series focus on things that one MUST know in their Life.

  • Embracing the Transience: Life Is Short
  • Are you one of them?
  • Three Pictures to change your Life and Mind
  • Live in Present is not easy
  • 小时候,幸福很简单。长大了,简单很幸福。
  • The Best Advice to Parents and Child
  • What if Later never come?
  • What will you bring with you on your last day on Earth?
  • Time is the ultimate currency, not money
  • Our Life only have 5 short Days – we should live the best for every day
  • Truly understand Living in the Moment now
  • 11 Important Unexpected Life and Money lessons to learn from Your Children
  • The days are long but the years are short
  • Ditch your mobile phone to build real life
  • Careyourpresent: Time is the most important
  • Careyourpresent: What is your purpose of life?
  • Careyourpresent : Greatest Regrets in life
  • Careyourpresent : You might not believe it. It’s little unexpected things that make up a real life
  • Careyourpresent: Something only happen once in life, if you missed it, it’s gone forever…
  • Careyourpresent : Why is Gold useful?
  • Careyourpresent: Frozen. Let it go!

More articles can be found here.

For those who are interested in regular updates of my articles, please join the others to sign up for my free newsletter to has my newest blogposts sent to your mailbox for free!

For real time exclusive updates on market news/life (especially Crypto markets where the news move fast, important news will be shared directly via tweets or telegrams), do also join the platforms below and engage with other like-minded people!

  • Telegram Group (Chat with me and other like minded people!)
  • Telegram Channel (Get the latest updates on the markets/life!)
  • Twitter
  • Facebook
  • RSS Feed

You may also contact me via [email protected].

The Things You Can See Only When You Slow Down

Posted on February 6, 2024February 6, 2024 by careyourpresent

Busy is part of modern day life.

Busy is part of modern day life. I am busy, you are busy, he is busy, she is busy. We almost busy everyday. Weekdays busy with work, child, friends, life, etc. Weekends busy to recuperate from the hassle of weekdays. Weekends are precious and so short whereas weekdays seems so long.

It’s been very long since my last post.

Such is the life of most people. Me too.

Recently, I am very busy with work and life. My typical schedule for WFO day.

  • 6.00am – wake up. Do some Crypto/investment research.
  • 6.30am – send, kids to schoold
  • 7.45am – leave for work in the crowded bus and train
  • 5.00pm plus – leave for home in crowded bus and train
  • 6.00pm plus – pick my daughter
  • 6.00pm to 10.00pm – playground, playtime, settle dinner for kids time. Sometime, I don’t have time to eat myself.
  • 11.00pm – me time. Do some Crypto/investment research or read some books or simply don’t do anything.

Is your life as busy too?

Reading a book…

Recently, I found and is reading a book. Just finished Chapter 1.

The Things You Can See Only When You Slow Down

I am trying to slow myself down, learn from my young daughter – to be happy in all situation. But my elder son is thinking too much like me. Everyday we need to learn to be a better self.

Do consider reading too.

Some quotes from the book

I squeeze myself into the subway car.
People are crowded all around me.
I can either get annoyed
or think it’s fun that I don’t have to grab a handrail.
People react differently to the same situation.
If we look at it more closely,
we see it’s not the situation that is troubling us,
but our perspective on it.
Tsunamis are frightening not just because of the water,
but also because of the objects hurled at us by the water.
Tornadoes are terrifying not just because of the wind,
but also because of the objects uprooted and thrown by the wind.
We feel unhappy not just because something bad has happened,
but also because of the swirling thoughts about what happened

Photo by Nick Fewings on Unsplash

We know the world only through the window of our mind.
When our mind is noisy, the world is as well.
And when our mind is peaceful, the world is, too.
Knowing our minds is
just as important as trying to change the world

Photo by Kenny Eliason on Unsplash

A family takes a walk amid fallen autumn leaves.
Dad lifts up his five-year-old son,
and the boy showers him with kisses.
Mom watches with a smile on her face.
If we take time to look around,
we see ourselves surrounded by lovely moments.
Would you like to make your child happy?
Then get off work a little early today.
Wait for your child in front of school.
Horse around together on the playground.
Let your child choose where to go for dinner.
And shower your child with your loving attention.
On your way home, pick up ice cream for the family.
Your child will remember this day forever.

Deal 1:

Interest rates are getting lower everywhere and there are usually many hoops to jump to get higher rate such as OCBC 360 and UOB ONE!
Consider Maribank, one of the fuss free and give you 1.28% daily without any conditions! Interest is credited daily!

Sign up for MariBank using my referral code: 2KGZ29UL.
https://www.maribank.sg/product/mari-savings-account/

Insured up to S$100k by SDIC.

Deal 2:

Best Items that I have bought from Shopee.

ONLY the best useful worthy items

Many people I realised that they have only shared things that give them the most commissions. I am different. I will only share things that I have bought, used and found it to be good.

Deal 3:

Webull – Get free money!

Good deal! Do not miss this! Sign up here now for free money!!

Deal 4:

Trust Bank New Clients

  • Sign up using referral code KNDBPEPT. Key in this code after you download the Trust Bank App from Trust Bank Website
  • No minimum balance account
  • No foreign transaction fee, great exchange rates when overseas. See my review via Trust Card – Excellent Card for overseas usage.

Deal 5:

FSMone – Cheap Comms and can transfer your shares to Personal/Joint CDP for Free

I am using FSMOne.com to invest in funds & ETFs (including money market funds). FSM is good due to the low comms and the free transfer from FSMOne to CDP (typically takes less than a week to transfer). If you do not have an account, you can sign up here. Please use my FSMOne referral code: P0413007.

  • You can read my experience of how I buy cheaply using FSMOne and then transfer my shares to Joint CDP within few days via $0 Free of Charge Transfer of SGX Shares from FSM to CDP and updates! – Done in less than 3 days!
  • I am also using FSMOne as part of my Estate Planning Plan. You can read about this via Simplified Guide to the Key Gist of Grant of Probate and Estate Planning

Deal 6:

Eskimo – Best Option for Roaming!

For now, you can get 500MB for free just by signing up with my referral link, no purchase required (I get 500MB only too, but only if you buy a paid plan). Referral code: CHING104915

You can read my review here.

  • Battle of Enough VS Spending for Financial Bloggers
  • Ultimate Formula for FIRE (Financial Independent, Retire Early)
  • Demise of REITs and do you still believe in REITs?
  • Dividend Investing is Dangerous
  • SSB Bond Ladders
  • Simplified Guide to the Key Gist of Grant of Probate and Estate Planning
  • Cheapest and best way to trade Singapore Stocks with CDP
  • Mastering Dividend Investing: 5 Evergreen Investment Principles
  • Unlock Lucrative Returns with IAPD: A High-Yield ETF Providing 7% Annual Yield and Quarterly Payouts
  • Unlock Lucrative Returns with SDIV: A High-Yield ETF Providing 11% Annual Yield and Monthly Payouts
  • If I am a dividend investor, this is what I would do….
  • 7 Things to consider before buy a dividend stock
  • 4 Dividend ETFs that can let you sleep well even in the scary bear market
  • 5 Best Counters for Passive Dividend Investing
  • The Three MOST Important Traits of an Investor
  • What is the best investment strategy in the world?
  • Ultimate Strategy of buying REITS: XXX instead of X000?
  • Ultimate Free 2 Days Reit MasterClass: Exclusive at Careyourpresent.com

Money just buy you the chance of freedom but can’t buy back time. In life, there is no reset button. Time is limited but money is not.

When you are young and working, you exchange time for money. When you are old, you can have lots of money but you can’t buy time back, especially the things that you have missed (your strong health, time with young child) while busying striking out in career.

Your kids grew up and they no longer need you to accompany them. They no longer want to sit on your lap to share/do things with you…all these time you spent in your 9 to 6 or even longer cubicles…can the money that you have earned by you back these?

We always thought we have more time with our old parents, but we are wrong. Time with them is ticking away every day. One day it will suddenly be gone. There is no regret medicine, no reset in time. Gone is gone and cannot come back. No matter you are billionaires or millionaires, you cannot reset this.

We always thought that we have more time with our spouse every day, but we are wrong. One day they will be gone too. When you read this, please go tell your spouse that you love him/her and he or she is the best thing that you ever had in your life.

Love your life daily. You have one less day with your spouse, parents, children and yourself. Time is ticking away.

Focusing Careyourpresent & living a fulfilling life by supercharging your mind & investment/online income. Careyourpresent Series focus on things that one MUST know in their Life.

  • Embracing the Transience: Life Is Short
  • Are you one of them?
  • Three Pictures to change your Life and Mind
  • Live in Present is not easy
  • 小时候,幸福很简单。长大了,简单很幸福。
  • The Best Advice to Parents and Child
  • What if Later never come?
  • What will you bring with you on your last day on Earth?
  • Time is the ultimate currency, not money
  • Our Life only have 5 short Days – we should live the best for every day
  • Truly understand Living in the Moment now
  • 11 Important Unexpected Life and Money lessons to learn from Your Children
  • The days are long but the years are short
  • Ditch your mobile phone to build real life
  • Careyourpresent: Time is the most important
  • Careyourpresent: What is your purpose of life?
  • Careyourpresent : Greatest Regrets in life
  • Careyourpresent : You might not believe it. It’s little unexpected things that make up a real life
  • Careyourpresent: Something only happen once in life, if you missed it, it’s gone forever…
  • Careyourpresent : Why is Gold useful?
  • Careyourpresent: Frozen. Let it go!

More articles can be found here.

For those who are interested in regular updates of my articles, please join the others to sign up for my free newsletter to has my newest blogposts sent to your mailbox for free!

For real time exclusive updates on market news/life (especially Crypto markets where the news move fast, important news will be shared directly via tweets or telegrams), do also join the platforms below and engage with other like-minded people!

  • Telegram Group (Chat with me and other like minded people!)
  • Telegram Channel (Get the latest updates on the markets/life!)
  • Twitter
  • Facebook
  • RSS Feed

You may also contact me via [email protected].

New Bank alert – PABANK

Posted on January 19, 2024January 19, 2024 by careyourpresent

There is a new bank in the town in case you didn’t know.

What is new bank alert? A new bank on the town with great deal!

6% interest monthly for a year! You can put in unlimited capital to earn the interest! Great deal! CAPITAL Guaranteed with 100% no risk of capital regardless of the amount that you deposited. Better than SDIC deposit insurance!

This is the rate

DO take note. The interest about is the rate for monthly interest!

This will almost double your money after 1 year!

Photo by Miquel Parera on Unsplash

Banks!

Banks play a crucial role in our modern financial system, serving as intermediaries between individuals and businesses seeking loans and those looking to deposit their savings.

One of the fundamental aspects of a bank’s operation is the ability to earn money through the capital deposited by their customers.

Photo by Towfiqu barbhuiya on Unsplash

How banks generate revenue from depositor capital and the mechanisms behind this process.

Interest Income:

The primary way banks earn money is through interest income on loans and advances granted to borrowers. When a bank lends money to individuals or businesses, it charges interest on the amount borrowed. The interest rate charged by the bank is higher than the interest rate paid to depositors, allowing them to earn a profit margin.

Spread or Net Interest Margin:

The spread, also known as the net interest margin (NIM), refers to the difference between the interest earned on loans and the interest paid to depositors. This spread accounts for a significant portion of a bank’s revenue. Banks carefully manage this margin by balancing the interest rates offered on loans and deposits, taking into consideration market conditions and risk factors.

Fees and Commissions:

Aside from interest income, banks also earn revenue from various fees and charges levied on different services they provide. These fees can include account maintenance charges, ATM fees, wire transfer fees, overdraft fees, and more. Banks may also earn commissions from facilitating investment transactions, selling insurance policies, or providing advisory services.

Investments and Securities:

Banks utilize depositors’ funds for investments in various securities like government bonds, corporate bonds, and other financial instruments. These investments can generate returns, adding to the bank’s revenue. However, it is important to note that investment activities come with inherent risks and must be carefully managed to protect depositors’ capital.

Loan Processing and Origination Fees:

Banks earn additional income by charging processing fees or origination fees when providing loans. These fees are charged to cover the costs associated with processing loan applications, evaluating creditworthiness, and completing necessary paperwork. Loan origination fees are typically a percentage of the loan amount and can contribute significantly to a bank’s revenue.

Foreign Exchange:

For banks operating in international markets, foreign exchange activities can also be a source of revenue. Banks provide currency exchange services to customers, earning profits through the difference between buying and selling exchange rates.

Photo by Christian Wiediger on Unsplash

Important role of Bank

Banks play a critical role in the economy by efficiently mobilizing capital and facilitating economic growth. Their ability to generate revenue from depositor capital is vital for their sustainability and profitability.

Through interest income, fees and commissions, investments, loan processing fees, and foreign exchange activities, banks can create a viable business model that benefits both depositors and borrowers.

It is essential for banks to strike a balance between profit-making and maintaining the trust and confidence of their depositors.

Adequate risk management practices, transparent fee structures, and responsible lending are important factors that contribute to a healthy and sustainable banking system!

Photo by Andre Taissin on Unsplash

The Great Deal – PABANK

Ok, now you know how bank actually work.

Let me share the new kid on the block PABANK! This bank was just launched in the early part of this week.

These are the rates that are offered and so far there are already two depositors that have put in the money!

Photo by Josh Appel on Unsplash

Depositor 1

Depositor 1 put in $5.00 for a period of 3 months from 15 Jan 2024 to 14 April 2024. The interest rate is 5.00% for each month! Thus it mean that the depositor will get back $0.45 interest at the end of the 3 months, thus $5.45! Wah! where you get such great deal!

Depositor 1 also put in $15.00 for a period of 12 months from 16 Jan 2024 to 15 Jan 2025. The interest rate is 6.00% for each month! Thus it mean that the depositor will get back $10.80 interest at the end of the 12 months, thus $25.80! Wah! where you get such great deal! Almost double after 1 year!

Depositor 2

This is a more conservative depositor.

She only put in $14.85 for a period of 1 month from 15 Jan 2024 to 14 Feb 2024.

The interest rate is 3.00% for 1 month! Thus it mean that the depositor will get back $0.15 interest at the end of the 1 month, thus $15.00! Wah! where you get such great deal!

Would you like to deposit money in this great bank with amazing interest rate?

You will get your money almost doubled after 1 year!

🙂

Deal 1:

Interest rates are getting lower everywhere and there are usually many hoops to jump to get higher rate such as OCBC 360 and UOB ONE!
Consider Maribank, one of the fuss free and give you 1.28% daily without any conditions! Interest is credited daily!

Sign up for MariBank using my referral code: 2KGZ29UL.
https://www.maribank.sg/product/mari-savings-account/

Insured up to S$100k by SDIC.

Deal 2:

Best Items that I have bought from Shopee.

ONLY the best useful worthy items

Many people I realised that they have only shared things that give them the most commissions. I am different. I will only share things that I have bought, used and found it to be good.

Deal 3:

Webull – Get free money!

Good deal! Do not miss this! Sign up here now for free money!!

Deal 4:

Trust Bank New Clients

  • Sign up using referral code KNDBPEPT. Key in this code after you download the Trust Bank App from Trust Bank Website
  • No minimum balance account
  • No foreign transaction fee, great exchange rates when overseas. See my review via Trust Card – Excellent Card for overseas usage.

Deal 5:

FSMone – Cheap Comms and can transfer your shares to Personal/Joint CDP for Free

I am using FSMOne.com to invest in funds & ETFs (including money market funds). FSM is good due to the low comms and the free transfer from FSMOne to CDP (typically takes less than a week to transfer). If you do not have an account, you can sign up here. Please use my FSMOne referral code: P0413007.

  • You can read my experience of how I buy cheaply using FSMOne and then transfer my shares to Joint CDP within few days via $0 Free of Charge Transfer of SGX Shares from FSM to CDP and updates! – Done in less than 3 days!
  • I am also using FSMOne as part of my Estate Planning Plan. You can read about this via Simplified Guide to the Key Gist of Grant of Probate and Estate Planning

Deal 6:

Eskimo – Best Option for Roaming!

For now, you can get 500MB for free just by signing up with my referral link, no purchase required (I get 500MB only too, but only if you buy a paid plan). Referral code: CHING104915

You can read my review here.

  • Battle of Enough VS Spending for Financial Bloggers
  • Ultimate Formula for FIRE (Financial Independent, Retire Early)
  • Demise of REITs and do you still believe in REITs?
  • Dividend Investing is Dangerous
  • SSB Bond Ladders
  • Simplified Guide to the Key Gist of Grant of Probate and Estate Planning
  • Cheapest and best way to trade Singapore Stocks with CDP
  • Mastering Dividend Investing: 5 Evergreen Investment Principles
  • Unlock Lucrative Returns with IAPD: A High-Yield ETF Providing 7% Annual Yield and Quarterly Payouts
  • Unlock Lucrative Returns with SDIV: A High-Yield ETF Providing 11% Annual Yield and Monthly Payouts
  • If I am a dividend investor, this is what I would do….
  • 7 Things to consider before buy a dividend stock
  • 4 Dividend ETFs that can let you sleep well even in the scary bear market
  • 5 Best Counters for Passive Dividend Investing
  • The Three MOST Important Traits of an Investor
  • What is the best investment strategy in the world?
  • Ultimate Strategy of buying REITS: XXX instead of X000?
  • Ultimate Free 2 Days Reit MasterClass: Exclusive at Careyourpresent.com

Money just buy you the chance of freedom but can’t buy back time. In life, there is no reset button. Time is limited but money is not.

When you are young and working, you exchange time for money. When you are old, you can have lots of money but you can’t buy time back, especially the things that you have missed (your strong health, time with young child) while busying striking out in career.

Your kids grew up and they no longer need you to accompany them. They no longer want to sit on your lap to share/do things with you…all these time you spent in your 9 to 6 or even longer cubicles…can the money that you have earned by you back these?

We always thought we have more time with our old parents, but we are wrong. Time with them is ticking away every day. One day it will suddenly be gone. There is no regret medicine, no reset in time. Gone is gone and cannot come back. No matter you are billionaires or millionaires, you cannot reset this.

We always thought that we have more time with our spouse every day, but we are wrong. One day they will be gone too. When you read this, please go tell your spouse that you love him/her and he or she is the best thing that you ever had in your life.

Love your life daily. You have one less day with your spouse, parents, children and yourself. Time is ticking away.

Focusing Careyourpresent & living a fulfilling life by supercharging your mind & investment/online income. Careyourpresent Series focus on things that one MUST know in their Life.

  • Embracing the Transience: Life Is Short
  • Are you one of them?
  • Three Pictures to change your Life and Mind
  • Live in Present is not easy
  • 小时候,幸福很简单。长大了,简单很幸福。
  • The Best Advice to Parents and Child
  • What if Later never come?
  • What will you bring with you on your last day on Earth?
  • Time is the ultimate currency, not money
  • Our Life only have 5 short Days – we should live the best for every day
  • Truly understand Living in the Moment now
  • 11 Important Unexpected Life and Money lessons to learn from Your Children
  • The days are long but the years are short
  • Ditch your mobile phone to build real life
  • Careyourpresent: Time is the most important
  • Careyourpresent: What is your purpose of life?
  • Careyourpresent : Greatest Regrets in life
  • Careyourpresent : You might not believe it. It’s little unexpected things that make up a real life
  • Careyourpresent: Something only happen once in life, if you missed it, it’s gone forever…
  • Careyourpresent : Why is Gold useful?
  • Careyourpresent: Frozen. Let it go!

More articles can be found here.

For those who are interested in regular updates of my articles, please join the others to sign up for my free newsletter to has my newest blogposts sent to your mailbox for free!

For real time exclusive updates on market news/life (especially Crypto markets where the news move fast, important news will be shared directly via tweets or telegrams), do also join the platforms below and engage with other like-minded people!

  • Telegram Group (Chat with me and other like minded people!)
  • Telegram Channel (Get the latest updates on the markets/life!)
  • Twitter
  • Facebook
  • RSS Feed

You may also contact me via [email protected].

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