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Category: Investment and Finance

Capitulation for HSI on 24 Oct 2022???

Posted on by careyourpresent

This was what happened yesterday during Deepavali. HSI crash 6%, HS Tech drop at least 10%. Many investors sell out in fear. Foreign investors pull out of HK. Did you panic and cut loss? Many people share that this may be capitulation. What do you think?

Capitulation

According to Investopedia,

Do you think Capitulation has happened? It may be and it may not be in my opinion. If it is capitulation, it generally means that we are likely nearer to the bottom than the top. Seller exhausted and reversal happen for uptrend…

Today 25 Oct 2022

If you look at today, the HSI up when opening (perhaps due to short cover) and then close flat at the end of the day. Then if you just do a simple google, everywhere are bad news about HSI, CCP etc.

The crash yesterday many people shared that it is due to Xi announcement of Key personnel which are all his loyalist. They now have two main goals to achieve – GDP growth and Common Prosperity.

To achieve these two goals, there are too many uncertainties in HSI, China. Businesses, bosses are worried, what if you grow your revenue/companies too big and then suddenly some regulation come in and whatever you have built over the years are gone overnight? Do you remember ANT IPO? Education industries? There are too many uncertainties now. Besides, the macro also doesn’t look good – Russia War, US inflation rate that results in the ever-increasing interest rate, winter energy issue at Europe etc.

For me I will stay sideline for HSI, China first. Wait situation clearer before taking any action. I may miss the bottom, but I won’t catch falling knife. No one can catch the bottom anywhere. This is not a simple crash.

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 🙂

Reits Lover – Red day. MUST BUY!!! But MUST Look at these before you buy!

Posted on by careyourpresent

For those who love reits, the rate for today went higher to 4.2% for 10 years. Hence Reits are redder today. Did you buy buy buy today?

For those who like Reits (which many of those who invest in Singapore Market will like), few very important things that you should look at before you buy is the debt refinancing profile and gearing and the amount of fixed debts. Let’s say interest will remains higher for at least another year or so, that would be 2023 and 2024, hence this is to make sure that your Reits can survive through these rough periods. Always look at risk first before potential gain.

Let me collate from their latest presentation and you can see for yourself to decide. Of course, these are the ones that I would love to DCA (assuming no change in other FA) when they reach 6% and buy a lot more when they are 7% or more. (Disclosure: I bought some of them today.)

AIMS APAC Reit (SGX: O5RU)

Mapletree Log Tr (SGX: M44U)

Mapletree Ind Tr (SGX: ME8U)

CapLand Ascendas REIT (SGX: A17U)

Frasers Cpt Tr (SGX: J69U)

Frasers L&C Tr (SGX: BUOU)

CapLand China T (SGX: AU8U)

ParkwayLife Reit (SGX: C2PU)

Keppel DC Reit (SGX: AJBU)

After looking at the risk profile angle due to interest rate, which one would you buy? Please share! I have my plans after looking at the above. What is yours?

This is also very important – please note that regardless which one you buy, please make sure you have enough bullets and will be able to hold for at least 2 years, ideally even longer to ride out the tough period. Lastly, diversify! Don’t keep yourself to Reits, there are other better companies (can be local or overseas), asset class (Crypto, gold, silver) etc around. Let me end with one last thing.

More worse things will come! Be prepared!

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 🙂

I love Reits! Better buy now before too late!!!

Posted on by careyourpresent

Remember that I post this (https://careyourpresent.com/2022/10/18/bull-is-back-buy-buy-buy-before-it-is-too-late/) few days ago when there was a big rally in US market? Did you buy, sell or wait?

If you observe the price action carefully for recent weeks (especially for those who like Reits), when US crashes at night, the next day SG market also move down, especially Reits. When US rally, SG market especially Reit moves up few bids then come down again. What does this tell you? There is no strength in Reits which are sensitive to interest rates.

If you look at the rate tonight. US 10Y is 4.11%, US2Y is 4.53%, US6M is 4.46. How can Reits go uptrend again?

Of course, it won’t go one straight line down or one straight line up so you will have the opportunity to trade if you are nimble enough. I did a recent quick trade – bought FCT at $2.04 on 17 Oct 2022, sold at $2.12 on 18 Oct 2022, and bought back at $2.04 on 19 Oct 2022.

Remember that I have mentioned about risk free premium rates in my last post?

Let me screenshot again on what I have wrote earlier (see below).

Many of the good Reits with strong sponsors like MIT MLOG AREIT FCT are close to 6% yield now. For those with lots of funds, can start to buy some. Pace and plan your buy. Can slowly DCA down if it goes down more. Always have some margin of safety, assuming that the DPU will drop while interest rate will raise to 5%..7% etc, think and plan what is your comfort level to start buying and ask yourself if your funds can last how long if the price keeps going down?

Of course, there is a chance that the market may suddenly U-turn (although I think it is unlikely given that interest rate still going up). But if you missed buying some at 6% now, will you regret?

Besides Reits, please don’t forget about netcash defensive companies. Good to get some after doing your research. Diversity is always good but not over diversify.

Lastly, I think some black swan event may happen soon to crash the market if we based on the “old folk tales of the coming Eclipses under Metaphysics” that I have mentioned few times in my blog before. Let’s wait and see if it really happens.

This is tonight 20 Oct 2022 at 1.25am Singapore Time.

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 🙂

Bull is back??!?? BUY BUY BUY before it is too late!

Posted on by careyourpresent

Yes! US strong up yesterday! Djia was up 550 points, Nasdaq was up 354 points, S&P 500 was up 95 points! Vix is also down by 2%. Yes! bull is back and time to all in your money is here before it is too late – before the bull run come and left you behind!

If you look at our old boring Singapore Market today, it is also green! Better all in before it is too late!

However, look at the Reits, the favorite of Singapore Investors! It’s green! Yay. really bull is back, better buy and get your yield before it is too late.

But….

Please look at all these again. The 10 year yields are at 4% with 2 years yield at 2%. Don’t forget about risk free premium. If one can get 3-4% risk free with Singapore Treasury Yields, SSB, how much risk one is willing to take to invest in equities or reits?

For me I need at least 6%, ideally at 7% to at least justify the risk! I will also stick to big fundamental strong companies with strong sponsors.

Disclosure: I made some purchases yesterday, but small amount as compared to the investible cash that I have for some strong Reits that are close to 6% yesterday. Recently also did small trade of ETH from 1200 to 1300, BTC from 18500 to 19300.

Look at Prime Reit at 15% Do you dare to buy! I don’t dare…

Source: https://www.dividends.sg/view/OXMU

Metaphysics point of view

Remember what happened during the last eclipse? Read this post

Many people think using Metaphysics in Market is ridiculous, something like fortune telling. Let’s see if it will really happen again this time or not.

Source: https://www.timeanddate.com/eclipse/in/singapore/singapore

Source: https://www.timeanddate.com/eclipse/solar/2022-october-25

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 🙂

Market News

Posted on by careyourpresent

This is a short post. Just to share the latest update today.

Binance Smart Chain hit the brakes Thursday after the blockchain with ties to the world’s largest crypto exchange Binance suffered what it called a “potential exploit” that on-chain evidence suggested could have targeted hundreds of millions of dollars in crypto. Estimated over millions digital assets are exploited…

Refer to the latest update from the team directly

Markets – reits also coming down as interest rates going up. Energy crisis for Europe Winter are coming soon. Eclipse on 25 Oct also coming…

Take care everyone!

Does investment account size matter?

Posted on by careyourpresent

Does account size matter? Many people always tell you that in order to measure your returns or even compare your returns with other people, use percentage instead of the absolute amount as it is fairer and easier to compare. However is this really the truth?

Very often, we would say we earn a return of capital of example 6% after this trade of xxx days.

This 6% seems simple but it is not exactly simple.

6% of 10k = 600
6% of 100k = 6000
6% of 1 mil = 60000
6% of 10 mil = 600000 = 600k
……and so on.

DO you get the story?

Two different investors may say that they have 6% gain, but their absolute gain is different.

Investor A may have 100k in capital and earn 6000 in that trade. However, investor B may have 10 mil in capital and earn 600k gain for 6%. 600k – 6000 = 594000 which is much more than the capital of investor A. In extreme case, even if investor A manage to pick multibaggers and earn 100% in trade, it is only 100k as compared to 600k.

In addition, don’t forget that you can diversify or plan the allocation of money easier if you have huge capital. Assuming that you only plan to have no more 10% of your entire portfolio in any stock and each purchase is example 10k.

With huge capital (10 mil), you can keep buying at ALL supports. If this support breaks, you can buy at next support and the amount of money you allocated to this stock still never exceed the planned 10% of your portfolio. Once the market starts to recover, you can slowly sell in batches at different resistance and huat. However, if you have limited capital (100k), you can only buy at one support. If this support break, you cannot add more as it may exceed 10% of your portfolio and need to wait very long to repent and earn profit.

That’s why you see some bloggers can keep buying and keep selling at many levels of supports and resistance while some cannot. Once the price is good, they can keep buy buy. And when they price become super good like crisis level, they can WHACK! BUT can normal retail investor do this?

THEY CANT!

If you don’t have bullets. It’s sad to see DBS at $10 while you have no bullets to whack. It’s sad to see mlog at $0.6 while you have no bullets to whack. Crisis is there, chance to earn big wealth is there but you have no money. Sad….

Thus what is the moral of the story?

Account size does matter!!! Especially in the current market.

Work hard and increase your account size when young! Delay gratification? Don’t get marry? eat bread drink water? But there is a limit to do so, please remember to Careyourpresent in the mean time.

A gentle note:

Bear just starting (see this post). The worse has yet to come. Please learn to space out and learn how to do nothing (this post of doing nothing also apply to pace out your buys in bear market.) Of course, the best is you have unlimited bullets and can buy at every support level (provided if the lines TA, still work in bear 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 🙂