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Category: Investment and Finance

Market Update + Saver UOB One Account 4% starting from 1 May 2024

Posted on by careyourpresent

There was a revision of the UOB One account Interest announced in early April. Well, it was effective rate of 5% (highest in market) for many months for 100k.

With the new update, it would become 4% with 150k! Wah I need to take up another 50k to maintain lesser interest.

Well, such is life, some anticipate Fed cut rate, some anticipate it rises.

Current Rate
Compare the rates.

Calculated effective new rates

Effective interest rates (from 1st May 2024) are:
$100,000 3.375%
$125,000 3.60%
$150,000 4.00%

This is where we are now.

Treasury Rate

Yen Carry Trade + Yen Slide

Don’t forget Yen Carry Trade. Yen sliding.

Read more in this recent article.

This might mean the possibility of GLOBAL MARGIN Call.

Other Options for savers

Next month likely the SSB rate will be higher too!

Should be 3.2% to 3.3% for 10 years average rate! I might be adding more provided I still have funds left after taking advantages of the market!

Let’s Recap First!

Let’s us recap the advantages of SSB first:

  • Very safe – backed by Singapore Government
  • Locked down decent rates of around 3% for 10 years.
  • Easy to redeem and can redeem partial
  • Liquidity needs maximum of 1 month where you can get your money back. Hence suitable as emergency fund.
  • Limit of 200k should be good enough for most people.
  • Can build Bond Ladder to get monthly income (which I have already did)

Let’s us recap the disadvantages of SSB:

  • Short term rates are lower than banks’ fixed deposits, money market funds such of around 3.5% and above.
  • Risk Free 6 month treasury yield is close to 4% which is higher
  • Low returns
  • 1 month liquidity to redeem your funds may be too long for people who need the funds immediately.

Market will be volatile in early part of May. Mark my words.

Collect Money First

Anyway, collect money first.

As of now, based on those already declared.
Think if including those haven’t announced, I should get about 10k in May/June.

Deal 1:

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

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

Insured up to S$100k by SDIC.

Deal 2:

Best Items that I have bought from Shopee.

ONLY the best useful worthy items

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

Deal 3:

Webull – Get free money!

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

Deal 4:

Trust Bank New Clients

Deal 5:

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

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

Deal 6:

Eskimo – Best Option for Roaming!

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

You can read my review here.

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

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

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

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

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

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

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

More articles can be found here.

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

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

You may also contact me via [email protected].

Market indeed coming down

Posted on by careyourpresent

As seen in my previous article,

Black Swan Ahead: Strategic Insights and Preparations for Uncertain Times

The fun is indeed coming!

Crypto

Crypto down a lot and I got liquidated.

But I am happy to be liquidated. Means time to buy in fear!

US Down last friday

US markets are also down last week, VIX also increases.

Exciting Times ahead! What’s my action?

I have already shared this in my previous article.

Black Swan Ahead: Strategic Insights and Preparations for Uncertain Times

Seems like I missed out one thing – War and Gold.

Shopping Time is coming soon!

Time to start shopping.

Financial Market is a weird place, people like to crowd, FOMO and buy when the market is high (higher risk). When the market is down (lower risk), people scared and don’t dare to buy, thinking it may drop lower. When the chance missed out and market up again, then they FOMO buy!

Isn’t this weird?

Deal 1:

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

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

Insured up to S$100k by SDIC.

Deal 2:

Best Items that I have bought from Shopee.

ONLY the best useful worthy items

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

Deal 3:

Webull – Get free money!

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

Deal 4:

Trust Bank New Clients

Deal 5:

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

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

Deal 6:

Eskimo – Best Option for Roaming!

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

You can read my review here.

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

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

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

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

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

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

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

More articles can be found here.

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

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

You may also contact me via [email protected].

Black Swan Ahead: Strategic Insights and Preparations for Uncertain Times

Posted on by careyourpresent

Market Rally This Year. Really?

Stock markets in major economies has been performing very well year to date.

Dow Jones Industrial Average is up 3.93% year to date. The Nasdaq Composite Index is up 8.19% this year and the S&P 500 Index is up 9.14% year to date.

In other major economies, the FTSE 100 Index is up 2.61% while the DAX is up 9.14% this year. The Nikkei 225 Index is the best performer with a 17.89% gain. The only exceptions are Hong Kong and Singapore which has seen the stock market decline this year.

However…

Photo by Jongsun Lee on Unsplash

We are going to see a total solar eclipse on 8 April 2024 sweeping across the United States.

Solar eclipse especially total solar eclipse are bad omen and usually associate with bad events occurring between 1-5 months after eclipse.

The Wall Street Crash of 1929 occurred 5 months after total solar eclipse in May 1929.

The Japanese attack on Pearl Harbour on 7 December 1941 occurred after total solar eclipse in September 1941.

Fast forward to the Asia Financial crisis in 1997, the attack on Thai Baht in May 1997, triggering the devaluation of many South East Asia currencies occurred after the total solar eclipse in Mar 1997

The collapse of Lehman brothers in September 2008 occurred after the total solar eclipse in August 2008.

Of course, one can argue that total solar eclipse occur very often but we do not always see crisis or black swan event.

Let’s Anticipate

We now use Chinese Metaphysics to see what might happen.

From the 2024 bazi chart, we see there no wealth element in the 2nd and third pillar. Hence, we can see that a black Swan event might just happen in the 2nd or 3rd quarter, which coincide with the total solar eclipse in April.

In addition, though the heavenly stem seems good and the element producing each other. However, if one were to look closer there are heaven earth clash between the first and third pillar, heaven and earth clash between the second and fourth pillar.

In addition, the 2024 mother earth oracle has indicated there will be high food prices. We already started seeing inflation rearing its ugly head again with rising cocoa, coffee and oil prices and yet many investors and analysts think that the Fed will cut rates 3-4 times this year.

Mother Earth oracle has been very accurate so far and even predicted Covid19.

There are many other forecasts I have made on my X account. You can see it for yourself the accuracy thus far. My X account is @augustine0091

We just seen a very strong earthquake occured in Taiwan on 3 April 2024 and is just 5 days before eclipse.

Hence, investors need to be careful during this second and third quarter and I strongly advise to keep sufficient warchest to buy cheap stocks in the event that a black swan really happens.

We are definitely going to see a volatile year ahead of us and even the next few years.

By AL Metaphysics

The above is a guest post by my friend who is well versed in Metaphysics.

What’s my action?

From the above, seems like something bad is coming. Personally, from fundamental point of view, bearing in mind of the following:

  • Yen Carry Trade
  • Rising interest rates (although SG banks like UOB cut rate starting from May, but Fed 10 years rate are actually increasing)
  • Dow supported by Magnificence Seven ONLY and keep up for the past few years
  • Crypto breaking past ATH with so many stories that Crypto will replace fiat
  • Gold rising to high level (usually this signal flight to safety)

I believe that some correction/crash is coming. The extend of the drop I am not sure but definitely won’t be nice, likely trapping lots of FOMO people.

Personally, I am keeping cash (around 40%, exclude my SSBs as the super warchest) to take advantages of the situation. What about you?

Deal 1:

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

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

Insured up to S$100k by SDIC.

Deal 2:

Best Items that I have bought from Shopee.

ONLY the best useful worthy items

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

Deal 3:

Webull – Get free money!

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

Deal 4:

Trust Bank New Clients

Deal 5:

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

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

Deal 6:

Eskimo – Best Option for Roaming!

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

You can read my review here.

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

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

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

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

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

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

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

More articles can be found here.

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

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

You may also contact me via [email protected].

I am the God of Investing!

Posted on by careyourpresent

Many people think that they are God of Investing.

I am the God of Investing!

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

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

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

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

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

Yes, they are the God of Investing…

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

Photo by Davide Cantelli on Unsplash

Truth

The truth is often otherwise.

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

Photo by micheile henderson on Unsplash

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

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

Learn investing from courses? Unpopular Opinion.

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

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

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

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

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

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

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

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

Deal 1:

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

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

Insured up to S$100k by SDIC.

Deal 2:

Best Items that I have bought from Shopee.

ONLY the best useful worthy items

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

Deal 3:

Webull – Get free money!

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

Deal 4:

Trust Bank New Clients

Deal 5:

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

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

Deal 6:

Eskimo – Best Option for Roaming!

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

You can read my review here.

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

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

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

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

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

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

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

More articles can be found here.

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

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

You may also contact me via [email protected].

New Bank alert – PABANK

Posted on by careyourpresent

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

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

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

This is the rate

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

This will almost double your money after 1 year!

Photo by Miquel Parera on Unsplash

Banks!

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

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

Photo by Towfiqu barbhuiya on Unsplash

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

Interest Income:

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

Spread or Net Interest Margin:

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

Fees and Commissions:

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

Investments and Securities:

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

Loan Processing and Origination Fees:

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

Foreign Exchange:

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

Photo by Christian Wiediger on Unsplash

Important role of Bank

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

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

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

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

Photo by Andre Taissin on Unsplash

The Great Deal – PABANK

Ok, now you know how bank actually work.

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

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

Photo by Josh Appel on Unsplash

Depositor 1

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

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

Depositor 2

This is a more conservative depositor.

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

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

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

You will get your money almost doubled after 1 year!

🙂

Deal 1:

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

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

Insured up to S$100k by SDIC.

Deal 2:

Best Items that I have bought from Shopee.

ONLY the best useful worthy items

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

Deal 3:

Webull – Get free money!

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

Deal 4:

Trust Bank New Clients

Deal 5:

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

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

Deal 6:

Eskimo – Best Option for Roaming!

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

You can read my review here.

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

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

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

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

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

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

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

More articles can be found here.

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It’s a long start of the year – what I have been busy with?

Posted on by careyourpresent

It’s a long start of the year – what I have been busy with?

It’s been a long while since I posted anything. It’s been a very busy January 2024. I started the year with the typical 9 to 5 work of course! It’s a very busy work year. But luckily started with the news of my increment amount and bonus, not bad!

I have also a written a long post about 2023. Do read it. It’s give both portfolio and precious life lessons that I have learnt.

Mirrors of Time: Delving into the Reflections of 2023

Time Flies

It’s has been almost a year since my mum passing. Times really flies. Life is fragile.

Farewell Mum. You are always in my mind

Remember to look at these 3 pictures every morning.

Portfolio

This is the most interesting part where people are keen, and this is for my own record.

In terms of CPF, I have received 14k interest in my account and 13k from my wife account. Not bad!

Photo by micheile henderson on Unsplash

In terms of Singapore Dividend Portfolio, I started the year with a family projected dividend of 2k per month + 1k per month from SSB + about 1.5k from cash interest / money market funds account. That’s about 4.5k per month. Hopefully this year I can change the 1.5k cash interest / money market funds account to equity (which I believe highly likely possible.)

I know we shouldn’t and can’t time market. But I rather keep cash at this moment of the time, waiting for opportunity.

Recent Trade – SG market

Nevertheless, I can’t stop hand itchness.

Recently I have bought 9CI (Capitaland Investment Limited) at $3.01 and F34 (Wilmar International) at $3.45. This time I didn’t post my transaction in the telegram group or twitter since I thought no one might be interested anyway. But for transparency and own record, I shall share here. Anyway, these two are for trading, not long-term positions in mind. However, 9CI might become long term, let’s see out how the results goes.

Recent Trade – Crypto

What am I busy with? Airdrops!

See: Time for Free AirdropS!

2024 Crypto is bullish with Bitcoin ETF just approved on the surface (but this is actually leading wolf to sheep pack if you seriously think about it). Bitcoin halving also coming!

What airdrops have I been farming? In Short, many many!

FREE MONEY using little or no Money, why not?

Cosmos – Atom, Tia, Inj, Osmos, milktia, Dem Exchange etc

Zksync

Layer Zero

Manta

Linea

Blast L2,

Scroll

Aveos

Rango Exchange

Testnet – like Bera Chain etc

and Many Many!

Usually for Crypto, information really follows fast. Hence, I usually post in my Twitter instead. For example,

Out of the above, my most anticipated and the one that I have put in most effort is as per screenshot below, please give me a big one!

Deal 1:

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

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

Insured up to S$100k by SDIC.

Deal 2:

Best Items that I have bought from Shopee.

ONLY the best useful worthy items

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

Deal 3:

Webull – Get free money!

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

Deal 4:

Trust Bank New Clients

Deal 5:

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

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

Deal 6:

Eskimo – Best Option for Roaming!

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

You can read my review here.

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

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

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

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

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

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

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

More articles can be found here.

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

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

You may also contact me via [email protected].