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Category: Crypto

How to buy real physical gold in the Cryptocurrency world using PAXG?

Posted on by careyourpresent

Buy real physical Gold but store where?

Many people like gold and believe that this is the real asset with value rather than the artificial fiat currencies created by various government. Gold is a commodity that dates back thousands of years as a store of value and a means of exchange even until today. However, one very big problem with gold is storage. How do you store something worth so much at home? What if fire broke out? What if a bulger enters your house and steal it? Of course, you can put in fireproof safe boxes at your home, but is it still safe? Do you feel safe? Alternatively, people put in safe deposit box with reputable companies like CISCO. This is not cheap too, it cost few hundred dollars per year, hence whatever you put in the box better worth the amount.

https://www.certisgroup.com/Solutions/Safe-Deposit-Box/Box-Sizes-and-Charges

Where to buy?

The next question is where you can buy gold? In Singapore, most people will go to the bank UOB. This is because UOB is the only bank in Singapore that offers (1) the sale and purchase of physical gold bars, gold bullion coins (2) Gold Certificate and 3) a savings account dedicated to either gold or silver. You do not incur GST if you purchase gold through UOB as it qualifies as IPM (Investment Precious Metals). However, all these options either doesn’t come cheap if you ask the bank to hold the gold for you OR back the same problem of how to store the physical gold?

https://www.uob.com.sg/personal/invest/goldsilver/overview.page

Best of both world: The Marriage of Cryptocurrency and real physical gold

What is this? So good? The answer is to buy PAXG, digital asset backed by real physical gold.

What is PAXG?

Pax Gold (PAXG) is a digital asset on the Ethereum Ecosystem. Each token is backed by one fine troy ounce (t oz) of a 400 oz London Good Delivery gold bar, stored in Brink’s vaults. If you own PAXG, you own the underlying physical gold, held in custody by Paxos Trust Company.

If you refer the table (see below) in PAXG website, there are numerous benefits to this token. The most key advantage is PAXG is ERC-20 token, it can be easily transfer, moved around anywhere around the world within a very short time and 24/7. The next key advantage is the fee is low and it can redeem for the real gold via Paxo platform. Hence, storage and fee will no longer be an issue!

Where to buy PAXG?

How do I buy this? For those who understand and buy crypto before, you should be able to buy it easily. For those who are new to crypto, let me introduce a good site to you – Coingecko (you can refer to this post which I have shared about this site previous). If you go to site, you can see all the places where you can trade this coin. From the table, you can buy it from major CEX or directly at DeFi site at Uniswap.

Of course, one very key important thing is not your key not your coin. Regardless of where you buy it, please send it and keep in your cold wallet such as Ledger. If you want to find out more about wallets, please read my previous post (Guide – Managing your Crypto Wallets).

https://www.coingecko.com/en/coins/pax-gold#markets

What gold do I owned if I have PAXG?

For those who have already bought PAXG, you can check the details via the PAXG site. Every Pax Gold token is backed by an ounce of allocated gold. Use this tool to lookup the serial number and information about your gold. Scroll down to the middle of this page, you should be able to see this box to key in your Ethereum Address. However, do note that this is only for PAXG held on Paxos, not in custodial exchanges/wallets.

If this safe?

Paxos Gold is backed by real gold reserves held by Paxos, company in New York. Each PAXG token is linked to a 1:1 ratio to one troy ounce (t oz) of a 400-ounce London Good Delivery gold bar stored at Brinks Security vaults in London. The Paxos-backed cryptocurrency, PAXG, is backed by the London Bullion Market Association (LBMA) certified gold bars and may be redeemed for actual bullion.

Conclusion

For investor who believe in gold as a store of value or for investment, and regardless of if you are familiar with Crypto or even new to Crypto, do consider buying some gold using PAXG, especially given the turmoil macros conditions now with increasing likelihood of more wars.

Good articles that you should read!

People are drawn to dividend investing.

Why? Firstly, dividends provide a regular stream of income, allowing investors to receive a portion of the company’s profits on a periodic basis. This can be particularly attractive for individuals seeking consistent cash flow or looking to supplement their existing income. Additionally, dividend investing is often viewed as a more stable and predictable investment strategy compared to relying solely on capital appreciation.

I always write and share articles, especially on dividends which many people love them. Do read them!

Alternatively, you can go the right side of my page, there is a search bar where you can simply search “dividend” to see all my articles related to dividends!

Of course, you can search for other things that would interest you such as “Careyourpresent”, “Reits”, “Side Hustles”, “Fixed Incomes”, “Savings” etc.

CAREYOURPRESENT

Money just buy you the chance of freedom.

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 while busying striking out in career. Of course, if you love your career, and consciously know that you are missing out the first time your child walk or talk, that’s ok, but if you are the other spectrum, please do something about it.

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.

I have picked out some of the more life reflecting articles of the CAREYOURPRESENT series. Do read them:

You can read more about my articles on Careyourpresent via the Category “Careyourpresent” or simply click “Careyourpresent” via the main menu bar.

REMEMBER:

Love your life daily.

You have one less day with your spouse, parents, children and yourself.

Time is ticking away.

For each passing day,

Enjoy and Treasure your Life!

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].

If you’re looking referral codes, do check out my referral and ebook page. Give it a try and who knows? You might end up loving these platforms! To be absolutely fair to all the readers, I am definitely using all these companies and they are useful to me! Likely will be useful to you too!

At the same referral and ebook page, you can also download my free ebooks and other free resources.

For quick references to these resources, you can see below.

  • Ebooks and other useful resources on enhancing productivity (Investment, Excel, Notion etc). Currently most of it are free at this moment (subject to change).
  • WeBull: A powerful brokerage with nice free welcome gift. You can refer to my guide here on how to signup! 4 Simple step only! Click here to register a new account!
  • MoneyOwl: You can use this 6SHU-93MC to get free grab vouchers and highly safe liquid cash fund account.
  • Trust Bank – You will enjoy free FairPrice E-Voucher referral if you sign up via my referral code KNDBPEPT. Simply download the Trust Bank SG App on the App Store or Google Play Store. Tap on “Use referral code” immediately after you start the app and key in: KNDBPEPT
  • FSMOne: P0413007. Good account to keep liquid cash in autosweep and to purchase investment at low fee.
  • Hostinger: You can use this link for hosting your new website. 20% off hosting!
  • Crypto.com: Use my referral link https://crypto.com/app/h92xdfarkq to sign up for Crypto.com and we both get $25 USD 🙂

Bear coming? Black Swan after Solar Eclipse?

Posted on by careyourpresent

As everyone know, the markets have not been doing well. For those who are new to investing, this would be one of the best times to start investing (Do read my post for the 6 Simple Steps to start your investment journey, especially in Cryptocurrency.) For those who have been investing quite a while, please make full use of this chance. Don’t panic, have guts and patience. Look at the logic below, is this weird?

Anyway, for my regular readers, I have always been sharing some information about using Metaphysics in investing.

Some believe it while some don’t. Let me share this guest post from AA Astrology and Metaphysics.

__________________________________________________________________________________________________

Many investors have been forecasting a year-end rally for the US stock market. If the US stock market rally, crypto will likewise do well too. Will a year-end rally happen? Let us dive deeper using the ancient art of Western Astrology and Chinese Metaphysics.

Western Astrology

Solar eclipse is usually bad omen for the markets in general. Let us look at major crashes in 1929, 1987 and more recently in 2008.

Source: Wikipedia

In May 1929, there was a solar eclipse. Within 6 months in October, US stock market suffer a big crash.

Source: Wikipedia

We now look at the Black Monday of Oct 1987.

Source: Wikipedia
Source: Wikipedia

There was a solar eclipse in September 1987. Within a month, black Monday occurred. Is it a coincidence? Let’s see the case of the 2008 financial crisis.

Source: Wikipedia

The solar eclipse occurred in August 2008.

Source: Wikipedia

In September 2008, Lehman brothers collapse and the rest I believe many know what happen.

Let us now look at this year solar eclipse.

Can anyone guess what happen next? Luna collapse in less than a month! The stock markets were affected too although not a major crash.

Source: Vulcan post

As you can see from the above examples, Solar eclipse will have negative impact on stock as well as crypto markets.

Of course, you many argue that since solar eclipse occur twice a year, then why the stock markets do not crash twice a year? This is because of the planetary movements that occur during the eclipse. Certain planets will have more negative impact on markets if it is together during the solar eclipse.

The next solar eclipse will be on 25 October 2022 and coincidentally this eclipse has similar planetary movements as in 1987 and 2008.

Chinese Metaphysics

In Chinese Metaphysics, stock market belongs to the fire element. In the absence of fire, the stock market will be gloomy too. This year is water tiger year. The fire presents this year is minimal. You should know what the year to date the returns for the US stock market is. Crypto fared badly too. What happen next you may ask.

November and December, the fire element is totally absent, especially so in December being the water rat month. So, you can guess my view of the markets.

Since solar eclipse is on 25 October 2022, and November, December and Jan 2023, there is absence of fire element, I stick my neck out and say that there will be no year-end rally. Instead, there could be a Black Swan event that may happen within 6 months. This could trigger a major fall in the markets. If I were to hazard a guess, it could be by Jan 2023.

As usual do your due diligence, I could be wrong.

__________________________________________________________________________________________________

Good articles that you should read!

People are drawn to dividend investing.

Why? Firstly, dividends provide a regular stream of income, allowing investors to receive a portion of the company’s profits on a periodic basis. This can be particularly attractive for individuals seeking consistent cash flow or looking to supplement their existing income. Additionally, dividend investing is often viewed as a more stable and predictable investment strategy compared to relying solely on capital appreciation.

I always write and share articles, especially on dividends which many people love them. Do read them!

Alternatively, you can go the right side of my page, there is a search bar where you can simply search “dividend” to see all my articles related to dividends!

Of course, you can search for other things that would interest you such as “Careyourpresent”, “Reits”, “Side Hustles”, “Fixed Incomes”, “Savings” etc.

CAREYOURPRESENT

Money just buy you the chance of freedom.

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 while busying striking out in career. Of course, if you love your career, and consciously know that you are missing out the first time your child walk or talk, that’s ok, but if you are the other spectrum, please do something about it.

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.

I have picked out some of the more life reflecting articles of the CAREYOURPRESENT series. Do read them:

You can read more about my articles on Careyourpresent via the Category “Careyourpresent” or simply click “Careyourpresent” via the main menu bar.

REMEMBER:

Love your life daily.

You have one less day with your spouse, parents, children and yourself.

Time is ticking away.

For each passing day,

Enjoy and Treasure your Life!

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].

If you’re looking referral codes, do check out my referral and ebook page. Give it a try and who knows? You might end up loving these platforms! To be absolutely fair to all the readers, I am definitely using all these companies and they are useful to me! Likely will be useful to you too!

At the same referral and ebook page, you can also download my free ebooks and other free resources.

For quick references to these resources, you can see below.

  • Ebooks and other useful resources on enhancing productivity (Investment, Excel, Notion etc). Currently most of it are free at this moment (subject to change).
  • WeBull: A powerful brokerage with nice free welcome gift. You can refer to my guide here on how to signup! 4 Simple step only! Click here to register a new account!
  • MoneyOwl: You can use this 6SHU-93MC to get free grab vouchers and highly safe liquid cash fund account.
  • Trust Bank – You will enjoy free FairPrice E-Voucher referral if you sign up via my referral code KNDBPEPT. Simply download the Trust Bank SG App on the App Store or Google Play Store. Tap on “Use referral code” immediately after you start the app and key in: KNDBPEPT
  • FSMOne: P0413007. Good account to keep liquid cash in autosweep and to purchase investment at low fee.
  • Hostinger: You can use this link for hosting your new website. 20% off hosting!
  • Crypto.com: Use my referral link https://crypto.com/app/h92xdfarkq to sign up for Crypto.com and we both get $25 USD 🙂

Crypto: Sick of Rug-pull by CEX?

Posted on by careyourpresent

Recently there are many news of trading plaforms/CEX/Lending company (3AC, Hodlnaut, Terra, Celsius etc) that bankrupt, rugged pull and collapses etc….Do you still feel safe to put your money in Centralized exchange? Small sum that you can afford to lose should be fine…what about those big sums that you can’t afford to lose? That’s why you need a decentralized platform.

Of course, the recent one that gain one of the most traction is GMX. It was even listed in Binance recently and there was also a spike in the price of the main token.

Source: https://www.coingecko.com/en/coins/gmx

Besides GMX, another possible platform that one can look at will be Gains Network.

Source: gTrade

Gains Network is developing gTrade, a liquidity-efficient, powerful, and user-friendly decentralized leveraged trading platform.This platform allows for low trading fees, and a wide range of leverages and pairs (up to 150x on cryptos, up to 1000x on forex, and up to 100x on stocks).

The main token that enable gTrade will be GNS token ($GNS). It started initially as the $GFARM2 token on Ethereum, which was fairly distributed in an ETH pool and a GFARM2/ETH LP pool. The dev fund and the gov fund had a 5% share of the token distribution (10% total). It was later bridged to Polygon, and had a 1:1000 split to $GNS. The GNS token also acts as a mechanism of liquidity efficiency, offer returns for those participating in the ecosystem. Over its lifetime it has been net deflationary.

In order to start trading in this platform, you will need 3 things:

  1. A Web3 wallet e.g. Metamask that you can connect directly to this platform.
  2. MATIC in that wallet to pay for transaction fees.
  3. DAI in that wallet to use as collateral.

Basically, after you have the 3 items above, just click the connect wallet button at the top right side of the platform to start. If you wish to stake, you can also do so via this site too.

Gaining Traction?

If you look at the stats using dune (see screenshots below), this is definitely gaining traction. It is worth exploring to find out more and try the platform. However, do note that currently is still bear market, please your own due diligence before doing anything. Personally, I feel that this is still early and worth considering.

Good articles that you should read!

People are drawn to dividend investing.

Why? Firstly, dividends provide a regular stream of income, allowing investors to receive a portion of the company’s profits on a periodic basis. This can be particularly attractive for individuals seeking consistent cash flow or looking to supplement their existing income. Additionally, dividend investing is often viewed as a more stable and predictable investment strategy compared to relying solely on capital appreciation.

I always write and share articles, especially on dividends which many people love them. Do read them!

Alternatively, you can go the right side of my page, there is a search bar where you can simply search “dividend” to see all my articles related to dividends!

Of course, you can search for other things that would interest you such as “Careyourpresent”, “Reits”, “Side Hustles”, “Fixed Incomes”, “Savings” etc.

CAREYOURPRESENT

Money just buy you the chance of freedom.

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 while busying striking out in career. Of course, if you love your career, and consciously know that you are missing out the first time your child walk or talk, that’s ok, but if you are the other spectrum, please do something about it.

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.

I have picked out some of the more life reflecting articles of the CAREYOURPRESENT series. Do read them:

You can read more about my articles on Careyourpresent via the Category “Careyourpresent” or simply click “Careyourpresent” via the main menu bar.

REMEMBER:

Love your life daily.

You have one less day with your spouse, parents, children and yourself.

Time is ticking away.

For each passing day,

Enjoy and Treasure your Life!

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].

If you’re looking referral codes, do check out my referral and ebook page. Give it a try and who knows? You might end up loving these platforms! To be absolutely fair to all the readers, I am definitely using all these companies and they are useful to me! Likely will be useful to you too!

At the same referral and ebook page, you can also download my free ebooks and other free resources.

For quick references to these resources, you can see below.

  • Ebooks and other useful resources on enhancing productivity (Investment, Excel, Notion etc). Currently most of it are free at this moment (subject to change).
  • WeBull: A powerful brokerage with nice free welcome gift. You can refer to my guide here on how to signup! 4 Simple step only! Click here to register a new account!
  • MoneyOwl: You can use this 6SHU-93MC to get free grab vouchers and highly safe liquid cash fund account.
  • Trust Bank – You will enjoy free FairPrice E-Voucher referral if you sign up via my referral code KNDBPEPT. Simply download the Trust Bank SG App on the App Store or Google Play Store. Tap on “Use referral code” immediately after you start the app and key in: KNDBPEPT
  • FSMOne: P0413007. Good account to keep liquid cash in autosweep and to purchase investment at low fee.
  • Hostinger: You can use this link for hosting your new website. 20% off hosting!
  • Crypto.com: Use my referral link https://crypto.com/app/h92xdfarkq to sign up for Crypto.com and we both get $25 USD 🙂

6 Simple Steps to start your investment journey, especially in Cryptocurrency

Posted on by careyourpresent

When I first started this site, my intention is to go a bit advance to share Cryptocurrency as I believe in the future of Cryptocurrency and still believe so. However, after receiving questions from readers/friends etc, I realized that I should also include more basic investment stuff in my site. Hence, the most fundamental question to anyone who want to start investing is

Many people heard about investment, but they don’t know how to start. Many people heard about Cryptocurrency, but they don’t know how to start.

How to start?

Many people would outsource and go to the “Financial Advisers” for advice. In most case, most of these people are salesman. They sell you their investment link policy, endowment etc and draw charts to “projected” how much you would get in xx years should you buy their products etc. However, if you ask them further on what the investment strategy of this fund are, what shares/bonds they invest in, which sectors, which companies, do these funds hedge, are there rebalancing, I bet most of these “Financial Advisers” couldn’t answer. Hence, don’t go to them to ask about investment especially for Cryptocurrency. So how to start? Please see the steps below.

Always remember:

Step 1: Understand yourself

This is the first step regardless of what kind of investment that you wish to go in (forex, growth stocks, value stocks, ETF, dividend stocks, crypto etc). Many people tend to just go and buy without plan and thinking in advance first. Very likely this will result in losing your precious earned money sooner or later. Before you start doing any investment, the first thing is to understand yourself.

  • Know your risk profile. Are you someone who can sleep well with higher riskier instrument? Can you sleep well if your portfolio drops 50%? Are you someone who prefer regular income from your investment?
  • What is your objective of investment? Grow your money, finding 10x bagger? Just collect income?
  • Know your end target/objective. How much do you target to achieve? This will determine the risk profile and the method to use.

Step 2: Plan your high-level portfolio management

This is call money management, knowing how to manage your own portfolio/money. First please know your own monthly/annual expenses, saving, income and how much you have available for investment from income monthly as well as lump sum currently. Amount available for investment means you won’t need it for at least 3-5 years or even better 10-20 years given that big markets cycle is typically 10 years. Please keep money for emergency funds too. After knowing your monthly cash flow and the amount you have available for investment, please plan your plan.

For example, if you have a million available and after understanding your own risk profile, you can work out a table like something below.

Step 3: Open relevant accounts

Before your can start investing, you will need to open brokerage accounts. You can consider to use my referrals below. Personally I am using all these accounts.

Referrals

For Singapore shares, I would suggest you to open CDP first link to the local brokerages (example DBS Vickers, Iocbc, POEMS, Uob Kay Hian etc). Do try to keep your shares in CDP if possible so as to has less custodian risks. Typical transaction cost is about $30+ for $10k SGD worth of investment. If you want cheaper, you can consider Fundsupermart (FSM which charges about $10-14 for $10k SGD worth of investment. The shares bought will be custodian under FSM. 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 FSM 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.

For foreign shares, I would suggest to open Interactive Brokers. The commission is very cheap and only cost cents to trade overseas shares and options.. Directly from the site itself, Interactive Brokers conducts its broker/dealer business on over 150 market destinations worldwide. In its broker dealer agency business, IBKR provides direct access (“on line”) trade execution and clearing services to institutional and professional traders for a wide variety of electronically traded products including stocks, options, futures, currencies, bonds, gold, crypto* and funds worldwide. Interactive Brokers Group and its affiliates execute over 1,968,000 trades per day.

For Cryptocurrency, you can use FTX as your centralized exchange to on/off ramp. However, please take note to put in hardware wallets (please see step 4 for guides). Another alternative which I am currently also using is Crypto.com. This is another platform that I am using the trade, on ramp, off ramp SGD to Crypto. One good point about this platform is you can do FAST transfer to and from your Singapore Banks. Use my referral link https://crypto.com/app/h92xdfarkq to sign up for Crypto.com and we both get $25 USD 🙂

Step 4: Do research

Regardless of what investment that you plan or will be doing, please don’t blindly listen to other people/gurus/crypto twitter shilling etc. Please spend time to read, research and learn and only invest in what you are comfortable in. Hours need to be spent and there is no shortcut. Even after you have invested, you should continue to read to learn about the coins, stocks etc that you are invested in. One key indication that you have done your due diligence is that you can sleep well without keep price monitoring every now and then after you have clicked the buy button.

For Cyptocurrency, you can refer the articles which I have wrote previously to learn more.

Step 5: Wait for the best opportunity to strike

Gut and patience to buy

Always have a plan (see sample below for a Singapore Stock Investor). After which think of what to do should the opportunity really arrive so that you will not panic when it come. You will need both Gut and Patience after planning. Don’t always think to buy at the absolute bottom, good price can just buy. We are plan for good price but can’t always buy at the absolute bottom.

Sell

Most often, the most difficult button to click is sell. What if you click sell and price goes up further? Remorse? No, you shouldn’t. You have already earned. What if it is the opposite case? You can’t predict exactly predict the market. For those who invest for years, buy and sell is always easier than buy and hold. Additionally it take real patience to wait for the best time to strike.

Doing nothing is the most difficult part of investment. There is always an urge to do some buy/sell/trading.

Personally I am holding some cash and waiting now. You can refer to my updates here. However, please do your own due diligence, don’t just blindly follow me. I could be wrong. Remember that your money your investment is your own responsibilities. I am just sharing that I am doing now.

See quotes from the famous investors below:

Step 6: Track your progress for MANY years and review regularly

After you buy/sell/invest for a few days/few months, always track your own progress. You can use the calculators/charts given by the brokerages to monitor you return or simply use XIRR function in excel to do so. Continue to track and track for many years, take note of your mistakes, take note of your own risk profile, take note of what kind/which investment make you can’t sleep well and of course those that make you sleep well. Then review and improve. Always aim to win your past self.

Additionally, please remember to read widely and learn more everyday from anyone around the globe. This will let you see your blind spots and make you a better investor.

Lastly..don’t forget

Life is not just about money. Money is just a means to your life.

No one CaRe about Your PresenT more than yourself. Please take regular breaks and care for your own life.

Good articles that you should read!

People are drawn to dividend investing.

Why? Firstly, dividends provide a regular stream of income, allowing investors to receive a portion of the company’s profits on a periodic basis. This can be particularly attractive for individuals seeking consistent cash flow or looking to supplement their existing income. Additionally, dividend investing is often viewed as a more stable and predictable investment strategy compared to relying solely on capital appreciation.

I always write and share articles, especially on dividends which many people love them. Do read them!

Alternatively, you can go the right side of my page, there is a search bar where you can simply search “dividend” to see all my articles related to dividends!

Of course, you can search for other things that would interest you such as “Careyourpresent”, “Reits”, “Side Hustles”, “Fixed Incomes”, “Savings” etc.

CAREYOURPRESENT

Money just buy you the chance of freedom.

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 while busying striking out in career. Of course, if you love your career, and consciously know that you are missing out the first time your child walk or talk, that’s ok, but if you are the other spectrum, please do something about it.

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.

I have picked out some of the more life reflecting articles of the CAREYOURPRESENT series. Do read them:

You can read more about my articles on Careyourpresent via the Category “Careyourpresent” or simply click “Careyourpresent” via the main menu bar.

REMEMBER:

Love your life daily.

You have one less day with your spouse, parents, children and yourself.

Time is ticking away.

For each passing day,

Enjoy and Treasure your Life!

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].

If you’re looking referral codes, do check out my referral and ebook page. Give it a try and who knows? You might end up loving these platforms! To be absolutely fair to all the readers, I am definitely using all these companies and they are useful to me! Likely will be useful to you too!

At the same referral and ebook page, you can also download my free ebooks and other free resources.

For quick references to these resources, you can see below.

  • Ebooks and other useful resources on enhancing productivity (Investment, Excel, Notion etc). Currently most of it are free at this moment (subject to change).
  • WeBull: A powerful brokerage with nice free welcome gift. You can refer to my guide here on how to signup! 4 Simple step only! Click here to register a new account!
  • MoneyOwl: You can use this 6SHU-93MC to get free grab vouchers and highly safe liquid cash fund account.
  • Trust Bank – You will enjoy free FairPrice E-Voucher referral if you sign up via my referral code KNDBPEPT. Simply download the Trust Bank SG App on the App Store or Google Play Store. Tap on “Use referral code” immediately after you start the app and key in: KNDBPEPT
  • FSMOne: P0413007. Good account to keep liquid cash in autosweep and to purchase investment at low fee.
  • Hostinger: You can use this link for hosting your new website. 20% off hosting!
  • Crypto.com: Use my referral link https://crypto.com/app/h92xdfarkq to sign up for Crypto.com and we both get $25 USD 🙂

BOLD Macro prediction using Metaphysics and Real Economic Data (2)

Posted on by careyourpresent

Another key point to add is FED already printed so much money in 2001, 2008, 2020 and is now with 30 Trillions debt. Inflation is still rising but they can’t print their way out anymore..hence they have to increase interest rate, but it will be “soft landing” according to FED. Let’s wait for 20-21 Sep 2022 FOMC, very likely at least 75 basis point from the current rate

It really happen! See my previous post? Fed increase the rate again.

BOLD Macro prediction using Metaphysics and Real Economic Data
https://www.cnbc.com/2022/09/21/fed-rate-hike-september-2022-.html

CHANCES OF SOFT LANDING RECEDING!

Powell previously shared that FED increasing interest rate and we will get “Soft Landing”. From the horse mouth directly, see what is he saying now?

https://www.foxbusiness.com/economy/feds-powell-abandons-promise-soft-landing-inflation-fight

No more soft landing! Harder landing? recession? instability?

Interest rate

If we simply look from the interest rate point of view as of today, what do you get? 2 years rate hit 4% and much higher than 10 years rate – inverted yield curve. This likely signal a recession is coming.

THOSE with lots of debt, mortgage and leverage please be careful. People who laughed at others from stubbornly keep sticking to the high hdb loan of 2.6% instead of the low bank rate of 0.xx% few year ago or even last year, hopefully should not be laughing anymore. Please careful and plan carefully now.

METAPHYISCS point of view

Remember what DAC said in my previous post?

Sep 2022 onwards: Financial markets very unstable, esp. NE region, & domino effects will spread to other countries.

My personal take

Remember that post that I have made at the day after the worst down in 2022?

A day worth remembering for US indexes but this is just the beginning…

I know I am naggy. Let me repeat.

This is just the beginning.

Regardless of macro or metaphysics, things don’t look good. Of course you can buy the dip to trade (I also just bought ETH 1250 and BTC 18500 this morning with small amount to trade) but please keep some cash to standby in order to gain generational wealth later. Quite likely it should be coming soon, November onward (after few mths after Oct 25 eclipse, remember what happened in the last eclipse?)…also with the high inflation that cause FED to no choice but to increase interest rate…you just need a black swan to crash the market!

Good articles that you should read!

People are drawn to dividend investing.

Why? Firstly, dividends provide a regular stream of income, allowing investors to receive a portion of the company’s profits on a periodic basis. This can be particularly attractive for individuals seeking consistent cash flow or looking to supplement their existing income. Additionally, dividend investing is often viewed as a more stable and predictable investment strategy compared to relying solely on capital appreciation.

I always write and share articles, especially on dividends which many people love them. Do read them!

Alternatively, you can go the right side of my page, there is a search bar where you can simply search “dividend” to see all my articles related to dividends!

Of course, you can search for other things that would interest you such as “Careyourpresent”, “Reits”, “Side Hustles”, “Fixed Incomes”, “Savings” etc.

CAREYOURPRESENT

Money just buy you the chance of freedom.

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 while busying striking out in career. Of course, if you love your career, and consciously know that you are missing out the first time your child walk or talk, that’s ok, but if you are the other spectrum, please do something about it.

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.

I have picked out some of the more life reflecting articles of the CAREYOURPRESENT series. Do read them:

You can read more about my articles on Careyourpresent via the Category “Careyourpresent” or simply click “Careyourpresent” via the main menu bar.

REMEMBER:

Love your life daily.

You have one less day with your spouse, parents, children and yourself.

Time is ticking away.

For each passing day,

Enjoy and Treasure your Life!

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].

If you’re looking referral codes, do check out my referral and ebook page. Give it a try and who knows? You might end up loving these platforms! To be absolutely fair to all the readers, I am definitely using all these companies and they are useful to me! Likely will be useful to you too!

At the same referral and ebook page, you can also download my free ebooks and other free resources.

For quick references to these resources, you can see below.

  • Ebooks and other useful resources on enhancing productivity (Investment, Excel, Notion etc). Currently most of it are free at this moment (subject to change).
  • WeBull: A powerful brokerage with nice free welcome gift. You can refer to my guide here on how to signup! 4 Simple step only! Click here to register a new account!
  • MoneyOwl: You can use this 6SHU-93MC to get free grab vouchers and highly safe liquid cash fund account.
  • Trust Bank – You will enjoy free FairPrice E-Voucher referral if you sign up via my referral code KNDBPEPT. Simply download the Trust Bank SG App on the App Store or Google Play Store. Tap on “Use referral code” immediately after you start the app and key in: KNDBPEPT
  • FSMOne: P0413007. Good account to keep liquid cash in autosweep and to purchase investment at low fee.
  • Hostinger: You can use this link for hosting your new website. 20% off hosting!
  • Crypto.com: Use my referral link https://crypto.com/app/h92xdfarkq to sign up for Crypto.com and we both get $25 USD 🙂

BOLD Macro prediction using Metaphysics and Real Economic Data

Posted on by careyourpresent

Metaphysics is something with long history. Many people think that this is not Science and is just old folks tales. For those providing consultation to people are just cheating people money. It’s both truth and false depending on how you see it.

Few days ago I just watched the YouTube below. For those who believe, you can watch from 1 hr 11 min marks onwards.

In this sharing from 1 h 11 min onwards, he started by sharing the current macro situation such as the recent sharing by Ray Dalio that a further increase in interest rate to 4.5% interest will crash the market by another 20%, World Bank also predict many economy will suffer recession next year etc…After which he gave his metaphysics prediction which is quite similar other famous practitioner such as Joey Yap Wilson Heng etc. In short, bad in the coming months. Anyway this is what he said in the video:

In short, Sep 2022 onwards: Financial markets very unstable, esp. NE region, & domino effects will spread to other countries.

• 7 Nov 2022 – 6 Dec 2022: Wars & disputes (eg. US-China trade war) may achieve another peak.
• Dec 2022: esp. bad situation in East countries. Also in some countries, real estate sector becomes worse, if it is already bad.
• 7 Dec 2022 – 3 Feb 2023: World “temporarily stops” (not lockdowns). Might be economic aspect, or may include some other crises, eg. energy shortage, or other crises etc.

Metaphysics aside, if the risk free rate is 4%, how much yield should investor demand for our favourite reits, yield stocks etc?

For me I need at least 7% of fundamentally strong reits/companies to compensate the risker equity. Of course, I will also buy Crypto when price is good. However, I will slowly DCA with some money first but keep some bullets to whack when the finale come. The DCA can either keep or sell later so least have something in case somehow didnt catch enough later. After all, in all martial arts show, the hero always give the most powerful final blow at the last instance where all hope are loss. Your view?

Another key point to add is FED already printed so much money in 2001, 2008, 2020 and is now with 30 Trillions debt. Inflation is still rising but they can’t print their way out anymore..hence they have to increase interest rate, but it will be “soft landing” according to FED. Let’s wait for 20-21 Sep 2022 FOMC, very likely at least 75 basis point from the current rate.

Image Credit : CNBC

Good articles that you should read!

People are drawn to dividend investing.

Why? Firstly, dividends provide a regular stream of income, allowing investors to receive a portion of the company’s profits on a periodic basis. This can be particularly attractive for individuals seeking consistent cash flow or looking to supplement their existing income. Additionally, dividend investing is often viewed as a more stable and predictable investment strategy compared to relying solely on capital appreciation.

I always write and share articles, especially on dividends which many people love them. Do read them!

Alternatively, you can go the right side of my page, there is a search bar where you can simply search “dividend” to see all my articles related to dividends!

Of course, you can search for other things that would interest you such as “Careyourpresent”, “Reits”, “Side Hustles”, “Fixed Incomes”, “Savings” etc.

CAREYOURPRESENT

Money just buy you the chance of freedom.

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 while busying striking out in career. Of course, if you love your career, and consciously know that you are missing out the first time your child walk or talk, that’s ok, but if you are the other spectrum, please do something about it.

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.

I have picked out some of the more life reflecting articles of the CAREYOURPRESENT series. Do read them:

You can read more about my articles on Careyourpresent via the Category “Careyourpresent” or simply click “Careyourpresent” via the main menu bar.

REMEMBER:

Love your life daily.

You have one less day with your spouse, parents, children and yourself.

Time is ticking away.

For each passing day,

Enjoy and Treasure your Life!

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].

If you’re looking referral codes, do check out my referral and ebook page. Give it a try and who knows? You might end up loving these platforms! To be absolutely fair to all the readers, I am definitely using all these companies and they are useful to me! Likely will be useful to you too!

At the same referral and ebook page, you can also download my free ebooks and other free resources.

For quick references to these resources, you can see below.

  • Ebooks and other useful resources on enhancing productivity (Investment, Excel, Notion etc). Currently most of it are free at this moment (subject to change).
  • WeBull: A powerful brokerage with nice free welcome gift. You can refer to my guide here on how to signup! 4 Simple step only! Click here to register a new account!
  • MoneyOwl: You can use this 6SHU-93MC to get free grab vouchers and highly safe liquid cash fund account.
  • Trust Bank – You will enjoy free FairPrice E-Voucher referral if you sign up via my referral code KNDBPEPT. Simply download the Trust Bank SG App on the App Store or Google Play Store. Tap on “Use referral code” immediately after you start the app and key in: KNDBPEPT
  • FSMOne: P0413007. Good account to keep liquid cash in autosweep and to purchase investment at low fee.
  • Hostinger: You can use this link for hosting your new website. 20% off hosting!
  • Crypto.com: Use my referral link https://crypto.com/app/h92xdfarkq to sign up for Crypto.com and we both get $25 USD 🙂