For those who have been regular readers of my articles, I have been sharing about good deals that I am enjoying or have enjoyed before. In the past few months, there are two main nice promotions which I have signed up and enjoyed the promotion for. In this article, I will share more and provide further updates on the new deals for this month!
MomooSG– I have shared about the May promotion in this article. However, there are new deals coming up for Jun 2023 now. It’s much more attractive than the previous month! Let me share more in this article.
New Enchanced Promotion Offers from Moomoo SG in Jun 2023
Nowadays, everyone understand that people are busy with work and other stuff, thus may not have time to read long articles. Hence, a picture speaks thousand words! Below are the promotion for the month of Jun 2023!
If you read the above carefully, there are total 4 tier of awards.
For the most basic tier 1, by simply opening the account with some fund subscription, you will get S$150* fund cash coupons! There are other benefits too!
Lifetime commission-free* in the U.S. stock market
Free Level 2 US stock market data
Free Level 1 Singapore Market Data
Free Level 1 China A-share market data
1 Year commission-free* for SG market (includes only stocks, etfs and reits)
If you want to go further to get Reward 2, 3 and 4, you can fund your account with some cash, do some buy trade and enjoy free money and stocks!
Of course, people are afraid of any hidden terms & conditions. You can read the full terms and conditions via Moomoo Website directly. Additionally, you can read this article that I have written about Moomoo SG earlier for further analysis.
For those who are keen to get the free money and an excellent brokerage, simply click the link below to
Please note that the campaign will commence from 1 June 2023 at 12:00 PM SGT and end on 30 June 2023 at 11:59 AM SGT (“Campaign Period”). Hence, don’t wait till the last minute! Register an account with Moomoo SG now!
*T&Cs apply. Platform & other fees apply.
All views expressed in the article are the independent opinions of Careyourpresent. Neither Moomoo Singapore or its affiliates shall be liable for the content of the information provided. This article has not been reviewed by the Monetary Authority of Singapore.
Currently is June Holiday and many including me went overseas for the past few days. It is literally overseas as I went to Legoland Malaysia for the past few days. I did what most people did, went to money exchanger and swap SGD for Ringgit when the news articles post great rates of 3.43 during the last weekend! But there is better option out there!
Disappointment
However, to my disappointment. The money exchanger gave me the rate of 3.395 last Saturday on 10 Jun 2023 although many news articles everywhere posted that the rate is 3.43! Why! As a backup, usually I would also bring along some credit cards + ATM that allowed me to withdraw money overseas! This prompted me to do some research.
Spending in Foreign Currency
With this, this came to the next questions of:
“What are the fees involved when transacting in overseas currency?”
Two things that came to my mind:
A foreign currency (FX) spread – “hidden” fee in addition to the underlying exchange rate. It’s the spread that the financial institutions will earn from you, in another word, a lousy exchange rate.
Foreign Currency Conversion (FCY) fees – whereby we are charged a percentage of the value we intend to exchange by the financial institution.
After some research, it came to my attention that most of your favourite banks, like OCBC, UOB, DBS, Standard Chartered, Citibank, HSBC, Maybank, CIMB etc all charge a hefty fee of 3% to 3.5%. This means that if you spend $100, you need to pay additional $3 in addition to the hidden spread that I have mentioned above.
What other options are there?
If one did their proper research, most would resort to Youtrip, Revolut etc. But all these cards are pre-paid card which means that one need to top up the cards using your cash/other cards in advance first. The exchange rates are quite decent, better than banks – which addresses point 1 above. There is no issue for point 2 too since there wouldn’t be additional charges. However, if you withdraw money from overseas, there is ATM withdrawal fees which is not ideal.
Safety
I am not sure about others. But for me safety and contingency plan is utmost important to me when I go overseas. This means that I need to have access to fund via ATM withdrawal or by means of credit cards. Additionally, I would like to activate as little number of cards as possible when overseas to reduce the chance of lost card or fraud! Hence, I need only ONE Card that will serve me well.
After more research, the solution is from a card/digital bank that I already owned! – TRUST BANK, TRUST CARD!
Trust Bank/Trust Card
If you go to the Trust Bank website, it directly solved point 1 above! Look at the screenshots that I have taken from Trust Bank website, I thought this card is great but I am still suspicious how true the claim that the exchange rates are near what you see on Google.
Furthermore, there is no foreign currency conversion fee. But strangely, this is a digital bank by FairPrice Group with Standard Chartered Bank (SCB). SCB definitely charge your foreign currency exchange rate and they will give poor exchange rate to earn from the spread. But why their digital Trust Bank can give such good things?
Furthermore, this is a numberless card and you can easily lock the card to prevent fraud. Is it really such good card?
As a result, I decided to give it a try and let me show you – Pictures speak a thousand words! Let me show you the real transactions which I did.
Look at the rate and transaction above! The rate that I was given was 3.42 to 3.43! Better than money exchanger with no foreign currency transaction fee! The rate is really near Google exchange rate…I can also lock the card after each transaction overseas to prevent possibility of any fraud.
Withdrawal of Money in overseas ATM
Usually, I don’t like to give review for the sake of review. Instead, I like to provide value and show what I really did (such as the true screenshot of my transactions above). But when I was in Legoland, everything can be paid by Visa (very tourist area nowadays) and I have enough ringgit too since I have exchanged it earlier at 339.5 🙁 Hence, I didn’t get the chance to withdraw the money to really test it out!
However, based on what I have researched online, there is no withdrawal fee but please paired it with Debit Card such that the funds withdrawn in foreign currency is from your deposit account with Trust (of course make sure you put some money inside). If you withdraw your fund from overseas ATM in credit card mode, there will be the usual cash advance fee for credit card! Please take note!
But one negative point about this card is that you won’t earn points/rewards if you spend in foreign currency as compared to using other credit cards. However, the points/rewards that you have earned from these transactions from your usual credit card likely won’t be able to offset the extra amount (foreign currency conversion fee + spread) that you have paid.
Update on Oct 2023:
I did an atm withdrawal using Debit Card in Bukit Indah Aeon Mall during my short trip. There is no withdrawal fee, and the rate is better than those money exchanger in Singapore.
Sign
For those that don’t have Trust bank/Trust Card and will be going overseas, do consider signing up.
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 my referral code: KNDBPEPT. You will earn $10 NTUC voucher too! Free Money why not?
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!
Telegram Group (Chat with me and other like minded people!)
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!
For those who have signed up earlier via my referral earlier and used only S$0.01 to earn US$50 to US$500, thank you and congrats for earning the free money! Sadly, there is no more free money for the new deal from Webull. You can’t use S$0.01 to earn US$50 to US$500.
The new welcome reward is to fund S$100 and maintain for 30 days in order to get free shares, you can’t use $S0.01 anymore to get the free money 🙁
However, the good news are:
You can get more free shares now!
By funding S$100, you will get 4-20 free shares where it could be worth anything from 3-1000 USD!
By maintaining the S$100 for 30 days, you will get another 2-20 free shares where it could be worth anything from 3-1000 USD!
Chance to get Tesla 3 Model Car!
Previously, you only need to fund S$0.01 and maintain for 30 days to get 5 shares with each shares worth a minimum of US$10. Hence, minimum you will get US$50.
However, for the new promotion, you will need to fund more money, S$100 and maintain 30 days to get minimum of 6 shares (that worth anything from 3-1000 USD) with maximum of 40 shares. Hence, the minimum amount that you will get is 6 shares x USD3 = 18 USD. It is much lesser, but on the other spectrum, you can get more shares and thus perhaps eventually you will get more free money if you are lucky.
Do note that this welcome promotion start from 31 May 2023 4.00pm to 30 Jun 2023 3.59pm Singapore Time!
If you are keen to sign up, do use my referral 🙂 Thank you in advance! A gentle reminder not to wait till the last day to sign up in case there is any signing up or funding issue.
Why wait? Come and join and get the free money. Who knows you might be very lucky! How to sign up?
To sign up, there are only 4 simple steps. Let me share again on what I have did previously!
4 Simple Steps to get free money and a very decent brokerage account
After clicking “Sign Up” you will be directed to registration page.
Here are what you need to do:
Fill in your phone number
Click “Send Code” and the system will send a code via SMS to you
Key in the verification code
Read and agree with Terms & Conditions and Privacy Policy
Click “Next”
You have successfully registered for a new account! Now, it’s time to set up your account.
Step 2: Setup Your Account
The next step is to setup your account. To do so, here are the steps you need to take:
Download Webull App on your mobile
Login with your mobile number
Click on the “Open Account” tab at the bottom center of the screen
Fill up your particulars. For simplicity, you can login with your Singpass.
After submitting your particulars, wait for Webull’s approval (my approval took only 30 minutes from the time that I have applied). You will receive an email from Webull to tell you about your account’s approval.
Click “Open Account” to start setting up your account. Then, fill up your particulars.
After submitting the form, you will be shown this page. Wait for approval email from Webull.
After approval, you can go to the app and click Webull logo at the bottom center. Then, set your trading password.
Step 3: Make a Deposit of at least SGD$100
After your account is approved, it’s time to make a deposit. Inside Webull app, select “Webull” tab at the center bottom of the screen.
There are 3 ways to make deposit: eDDA, Fast or Telegraphic Transfer.
eDDA method means you’re authorizing Webull to transfer money from your bank account into your Webull account. Setting it up is very easy, just click on “eDDA” then follow the instructions, login to your internet banking, set the amount limit and you’re done.
FAST method means that you need to manually transfer money from your bank account using FAST option. This is only applicable for deposit made in SGD. After you’ve done the transfer, you need to click “Notify Webull of Transfer Completion” and the money will be reflected into your account within 5 to 10 minutes.
Telegraphic Transfer (TT) method means that you need to manually transfer money from your bank account using the traditional Telegraphic Transfer method. This is applicable for deposit made in SGD, USD or HKD. After you’ve done the transfer, you need to click “Notify Webull of Transfer Completion” and the money will be reflected into your account within 1-3 days.
Please note: The registered name of the bank account holder and Webull account must be the same for all deposits and withdrawals. Deposits must be from your own individual bank account, not third-party bank accounts, joint accounts or third-party payment platforms.
To make deposit, click Webull logo at bottom center, then click “Deposit Now”. After that, choose your deposit method.
This month promotion requires you to deposit any amount in a single transaction and maintains it for 30 days.
After depositing your SGD, if you want to convert it to USD to purchase stock in the US market, here’s how.
Click Webull logo, then click “Details”. After that, scroll down to find “Exchange Currency” button.
Step 4: Maintain Your Account for 30 Days
Next, you need to maintain SGD$100 30 days after the initial deposit. That means, all your total deposit minus total withdrawal should be at least SGD$100.
After meeting all of the above simple steps, you will receive your rewards within 7 business days. Please remember to use the rewards WITHIN 30 days. After 30 days, the unused rewards will be expired.
Don’t miss out on Webull’s exclusive and captivating deal, that is set to expire on May 31, 2023, at 15:59(4:00 PM), Singapore Time – less than 1 day left!
You only need S$0.01 to earn US$50 to US$500 using my referral.
Act now to take advantage of this limited-time opportunity, as after the cutoff time, the deal will likely be altered, resulting in a reduction of its irresistible appeal. Seize the moment and make the most of this attractive offer before it’s too late!
New Users!
Click here to register a new account with WeBull now for those who have not yet done so!
Those signed up with my referral but didn’t fund their accounts!
There are some users who have opened an account with my referral but have not yet funded their accounts with at least S$0.01. First of all, thank you for signing up using my referral.
However, please note that if the accounts are still not funded by May 31, 2023, at 15:59(4:00 PM), Singapore Time, you will not be eligible for the current irresistible offer. Please do so as soon as possible and don’t wait till the last few minutes in case there is any issue with the fundings.
Don’t waste it! Get the free money now as the new deal will not be that appealing after that!
Who doesn’t love the thrill of free money? Don’t miss out on this incredible opportunity to grab your share of the Free Money while it’s still available! As someone who enjoys bringing great things to people, I couldn’t wait to share these amazing deals with my readers. I would also introduce a new feature in Weibull at the later part of this article.
In fact, I’ve personally taken advantage of some fantastic free money and free items recently, and now it’s your turn to benefit too! In a world of soaring inflation and the looming risk of recession, every freebie matters more than ever. Imagine how even a single cent could make a significant impact on reducing your family’s living costs. With a little bit of savings, freebies, and extra money here and there, you’ll be amazed at how much you can slash your family’s expenses! Join me in seizing these golden opportunities today!
3 Days Left Only
I have shared this before many times.
You only need to put in S$0.01 to earn at least SGD$70+ worth of free money. Why not? I have already received my $75.16 and got my spouse to apply too and get another $80.47 (she more lucky and get more than me!). In total we get free $150 by using Two Singapore Cents with little efforts, why not?
For those who want less hassle of referring to previous post above, you can just
Click here to register a new account. After clicking “Sign Up” you will be directed to registration page, just follow the steps accordingly. Remember to fund at least S$0.01 to get the free shares/money after your account is approved!
Do note that the new anniversary deal is up and running until 30 June 2023, 15.59, Singapore Time.
However, for the welcome referral to use S$0.01 to earn US$50 to US$500 will ends on 31 May 2023, 15.59, Singapore Time.
3 days left only!
Thank you to all who have signed up via my referral link.
For those who have signed up, please remember to fund your account with at least S$0.01 to get your free US$50-US$500. There are some readers who have signed up but didn’t fund the account with at least S$0.01.
Don’t waste it! Get the free money! I don’t know if the promotion will be extended or become a new promotion in another form, but don’t waste it and get and free money!
New Features for Webull
For those who have been using Webull or plan to use Webull, there is a very new interesting feature that just came to live on 26 May 2023 – Regular Saving Plans, RSP!
Regular Savings Plan is a systematic way of saving by constantly investing in Stocks, ETFs and Mutual Funds of your choice to average out the rise and fall of the market. You can start the plan as low as US$5
School holiday is coming and I am bringing my family out for a trip. Of course, we need to buy travel insurance. I have bought FWD and seems like there is some discount for those use my referral link. Frankly, I not sure how much discount you will get and what thing I will get for being referral, but for those who are traveling, you might want to consider this!
If you need insurance, use my referral link to get an extra discount: https://www.fwd.com.sg/ref/ddb019e7e093837
In today’s high interest rate volatile world with raising inflation/cost of living, finding ways to supplement your primary income has become increasingly important. Whether you’re looking to pay off debt, save for a dream vacation, or simply increase your financial security etc, unlocking extra income through side hustles can be a game-changer.
I still remembered chicken rice, cai png etc cost only $2 years ago, not per meal easily cost $4 and above. Everyone really need to find ways to get extra income, even a small amount will help. Side hustles are one of the things that I have been doing. I have been sharing about my side hustles for the past months. Guess now is a good time for an update.
1. Dividend/Interest Income
This is not really side hustle, but this my side income. My dividend / Interest income is about $3k per month. Continue to slowly accumulate good shares if reaches my target price.
However, sadly, as per what I have mentioned in this article earlier (Ultimate Strategy of buying REITS: XXX instead of X000?) no more free dividend for MapletreePanAsia Com Tr and Mapletree Industrial Trust but this means chance to accumulate more cheaper shares of good companies (I mean Mapletree Industrial Trust, not MapletreePanAsia Com Tr).
Cheap can get cheaper, see Manulife and Prime Reit? From billion marketcap to millions marketcap, price keep going down. DPU sure cut, even based on past yield, it can be 20%+, who would dare to buy?
2 years chart from InvestingNote2 years chart from InvestingNote
Ultimately, dividend investing is for the long term, as long as you vested in good companies, the fluctuation of the price of its shares doesn’t matter much as long it still give decent sustainable dividends in the long run.
For those who heard of this for the first time, let me share a little more again.
Rakuten Insight Surveys is a survey website that pays you to complete surveys. You can earn money by completing surveys on your phone or computer, and there are plenty of them available! I started this survey side gig few months ago around Nov 2023. There are a couple of surveys every few days after you have created your profile.
With a little effort, you can start earning money simply by sharing your opinions. I’m going to share how much I have earned so far from using Rakuten Insight Surveys based on fulfillment date.
In total by the end of May I would have earned $100! Not too bad!
Dec, Jan Feb = $30March = $15April = $25May = $30
3. WeBull Brokerage
I know I have been naggy and keep talking about WeBull promotion previously but usually I won’t not give up on good deals, especially for my beloved readers.
I have signed up and drawn 5 shares of Tesla which now I have $75.16 in my account using 1 cent only!
Screen captured from my app
Besides the welcome referral programme that that I shared before via previous fund 1 CENT to get free money, there are now lucky draws for new signs up under their Anniversary Promotion! There are 10 weekly winners for US$888 worth of Telsa Shares and 1 lucky winner of 1 Tesla Model 3 Car.
Only 4 Simple Steps to get free money and a very decent brokerage account
Overall, my main side income still from dividend and interest incomes which come up to about $3k per month with about $xxx from some side hustles from brokerages promotions and doing surveys! Not too shabby! I will continue to build more side incomes. There are so many retrenchment around, who know if you will be the next one? Always good to has income from your non-main job.
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!
Telegram Group (Chat with me and other like minded people!)
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!
