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Category: Careyourpresent

This is section to share articles on how to Care Your Present and to live a better life.

Enrichment classes for your child

Posted on by careyourpresent

I was in a telegram financial independent group chat and saw that many are commenting on how expensive the kids are – need all sorts of enrichment classes, best childcare so that they can learned the most in their earliest year etc. Hence, they need at least 2k per month per child.

I was amazed when I saw this.

I have two kids and they all went sparklet tots. I don’t need them to learn anything in school but I want them to be happy in school. Think of in, they go in at 7.30am come out 6.30pm. It’s longer than your working hours.

Think of any way, even if the kids don’t learn anything in pre-school, won’t they still grow up and know the basic chinese, english, science when they are teenagers? Can’t be don’t know anything?

Out of classroom learning more important. Enjoy the sun and the grass.

Anyway, I can’t help but to commented this:

若懂者不必多言，不懂者多言也无意！

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

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.

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.

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.

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!

You may also contact me via [email protected].

Dream of Financial Independence with a Safe Withdrawal Rate

Posted on by careyourpresent

Financial independence is a dream for many people, where one can retire comfortably without worrying about the need to earn a steady income. But achieving financial independence requires careful planning and disciplined saving strategies.

One key aspect of retirement planning is determining a safe withdrawal rate that will ensure your savings last a lifetime.

There are many discussions about Safe Withdrawal Rate if one retires earlier. What exactly is safe withdrawal rate?

Photo by Manish Upadhyay on Unsplash

Defining Financial Independence

Financial independence is the state of having enough savings and investment portfolio to sustain your lifestyle through your retirement years without having to work for an income.

Achieving financial independence requires a clear understanding of your expenses, savings, and goals.

It’s also essential to have a well-diversified investment portfolio that can generate a steady income stream in retirement.

Photo by Kristina V on Unsplash

What is a Safe Withdrawal Rate?

A safe withdrawal rate is a percentage of your investment portfolio that you withdraw annually during retirement to meet your expenses.

The safe withdrawal rate is calculated based on a variety of factors, such as life expectancy, inflation, investment returns, and expenses, to ensure you don’t outlive your retirement funds.

Many “Experts” online suggest using a safe withdrawal rate of 4%, which means withdrawing 4% of your portfolio’s value yearly.

How does it work?

A safe withdrawal rate of 4% means that you can withdraw 4% of your portfolio’s value each year in retirement to meet your expenses without significantly reducing your savings.

For a $1 million portfolio, a safe withdrawal rate of 4% would allow you to withdraw $40,000 annually ($1,000,000 * 0.04 = $40,000).

Photo by Matthew Waring on Unsplash

Safer option? 4% really safe?

There may be many uncertainties such as increased longevity, higher than expected expenses, and lower-than-expected investment returns.

Is 4% really safe?

Many has seen through many bears, 2008 financial crisis, covid drawn down etc. This will make people not feeling safe.

Personally, I think 2.5% safe withdrawal rate would be considered a more conservative approach to retirement income planning than using a 4% safe withdrawal rate.

A 2.5% safe withdrawal rate can provide an added degree of insulation against a retirement plan’s failure.

A calculated example

Let’s calculate the safe withdrawal rate of 2.5% for a $2 million portfolio:

Annual Withdrawal = Portfolio Value * Safe Withdrawal Rate

Using a 2.5% safe withdrawal rate for a $2 million portfolio:

Annual Withdrawal = $2,000,000 * 0.025
Annual Withdrawal = $50,000

With a 2.5% safe withdrawal rate, you would be able to withdraw $50,000 annually from a $2 million portfolio to support your retirement expenses while aiming to sustain the portfolio over a longer period of time.

$50,000 annually mean $4167 per month. Is this enough for you?

Don’t forget that this is based on 2.5% return per annum which is not difficult to attain if one is conversative ETF investor instead of those trade in/out investors. Hence, the actual income is likely more than $4167.

For a family of four with mortgaged fully paid and don’t anyhow spend + CPF or other social security as backup, this should be a sufficient amount with good buffer.

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

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.

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.

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.

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!

You may also contact me via [email protected].

Trading a Guaranteed Today with an Uncertain Tomorrow

Posted on 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.

I want to slow down but I can’t

Posted on 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?

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.

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

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.

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.

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.

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!

You may also contact me via [email protected].

The Things You Can See Only When You Slow Down

Posted on 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

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.

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.

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.

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!

You may also contact me via [email protected].

New Bank alert – PABANK

Posted on 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

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.

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.

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.

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