Header image

Category: Uncategorized

The Real Wealth

Posted on by careyourpresent

What is the real wealth?

I am working 9 to 5. Time freedom is lacking. This is part of real wealth.

but the real real wealth is

PSA Annoucement: Life of a minion

Posted on by careyourpresent

Well, life of a minion is what many people live everyday. Today is more interesting. It been many years since this happen again.

Just in case you are not aware:

No MRT services between Boon Lay and Queenstown stations for at least the rest of the day: LTA

From 5pm, SMRT will run a separate shuttle train service between Buona Vista and Queenstown MRT stations, and also between Jurong East and Boon Lay stations, at intervals of 10 minutes.

https://www.channelnewsasia.com/singapore/mrt-train-services-east-west-line-boon-lay-queenstown-no-service-4634586

I love this picture. Legendary.

Source: https://www.channelnewsasia.com/singapore/mrt-train-services-ewl-boon-lay-queenstown-power-fault-east-west-line-4633706

From ChatGPT

Ever had the pleasure of riding a packed MRT train during rush hour? It’s like starring in your very own episode of “Sardines in a Can.” The moment those train doors slide open, you see the herd inside, already pressed together like human Tetris, yet somehow you think, “Yeah, I can fit in there!” And in you go, defying the laws of physics, with just enough room to hold your breath but not your dignity. Strangers become your best friends as you bond over shared sweat and accidental elbow jabs. At that moment, personal space isn’t just a luxury—it’s a distant memory, like your last nap or any hope of sitting down!

Singapore Saving Bonds (SSB) – SBSEP23 GX23090F application outcome

Posted on by careyourpresent

In my earlier post, I have shared about my plan for the Singapore Saving Bonds for this month:

I have redeemed 27K worth (13.5k each for me and my spouse) for old SSB issue SBSEP22 GX22090Z and applied for 86k worth (43.5k each for me and my spouse).

However, for me, I have decided to subscribe this month SSB and redeem my old SSB issue SBSEP22 GX22090Z (with average yield of 2.8%). This issue has the same coupon pay month as the current issue. As mentioned previously, I have already built and plan to continue to build SSB Bond ladders, hence, this is important to me when I redeem old issues.

Did I get everything that I wanted?

The application outcome for Singapore Saving Bonds (SSB) – SBSEP23 GX23090F application outcome is out!

Since 600millions are offered, only 523.4 million applied. Everyone get what they want. No Refund.

Recent Trades: Taking advantage of the Volatility of Mr Market

Posted on by careyourpresent

As mentioned in my last two posts, I was away overseas but found out an excellent Card for Overseas Trip!, then followed by an unfortunate case of A&E Hospitalisation visit. Family is utmost important to me and hence I didn’t write articles as much for these two weeks. Usually I would write about 2-3 articles per week.

Market

Recently, the market is rather volatile, US starts to turn a bit red with SG REITs coming down due to rise in interest rates. Hence, as usual, I took advantage and bought some shares. For those followed by tweets, would have already know about these trades.

For transparency, let me share here.

Besides Market, This strike me MOST!

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 🙂