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Who say money can’t buy you time?

Posted on by careyourpresent

Money can’t buy you time?

Many people always say that time is finite and is more precious that money where the governments can print them at will. Money is infinite since it’s just something artificial created by the government. As for time, it’s finite, only 24 hours a day, human lifespan is also limited. Hence, money cannot buy time.

But is it true that money really cannot buy time?

Photo by Agê Barros on Unsplash

Future Value of Time

People tend to over-estimate how much time they will have in the future and undervalue their own time. But the truth is no one is immortal. What if tomorrow never come? What if later never come?

Many people are spending all their precious time to work, to earn money because they need money for almost everything in life. But the fact is you are using your time to exchange for a pay check.

Many people don’t realised that they spent majority of their waking hours, s working long hours just so they can afford luxuries like long vacations or new iPhones; while this may be fun in the short term (especially when traveling), over time these activities it’s just a way to escape the grinding days of your 9 to 6. Should you earn more or save more to get your time back?

Time or money more valuable?

Let’s talk about Time VS Money first.

Most people argue this:

  1. Time is more valuable than money because you can’t buy time back, no matter how much money you have. If you lose an hour, it’s gone forever and there’s no way to get it back–even if you wanted to do so (which would be impossible).
  2. Time is also more valuable than money because there are only 24 hours in a day and 7 days in a week; there’s no way to make more hours or days for yourself.
  3. Money also can’t buy a dead person to be alive again.
  4. Hence, Money can’t buy you time.

However, contrary to most belief, money still can buy you “time”, to buy it more appropriately, money can help you get more time back. Confuse?

Photo by Gaelle Marcel on Unsplash

Money can’t buy you time, but it can help you get more of it

Money can’t buy you time, but it can help you get more of it.

Money is a tool that allows us to work less, earn more, and enjoy our lives more once you have lots of it. People with money has more options than people with no money.

The key is knowing how to use this tool properly in order to get what we want out of life.

While it is true that money cannot literally buy time or add more hours to the day, it can certainly provide opportunities and resources that can indirectly save time or enhance one’s quality of life

While it is true that money cannot literally buy you time or add more hours to the day, it can certainly provide opportunities and resources that indirectly save time or enhance one’s quality of life.

Money is a tool to buy time.

For example: if you have enough money to hire someone else to do your laundry, then that frees up more time for yourself (and also helps keep things clean). Alternatively, if you have enough money to purchase a washing machine of your own instead of relying on communal facilities at work or school, then again there will be less waiting around while clothes get cleaned–and maybe even some extra space saved in your apartment!

For example, Money can buy you the following:

  • 1. Private car that save you time from communute
  • 2. Education and learning: Money can be used to invest in educational opportunities or specialized training. By doing so, you can acquire knowledge and skills more efficiently, potentially reducing the time it would have taken to learn through self-study or trial and error.
  • 3. Medical care: Access to quality healthcare services, which often requires financial resources, can facilitate prompt medical attention and treatments. This can potentially save time in terms of waiting for appointments, obtaining specialized care, or undergoing necessary procedures.
  • 4. Buy back time that you have sold to your work to get paycheck.

Use Money to buy back time

While Time is more important than money, Time is limited but Money is not. We should always aim to use your money to buy time when you have lots of money, that’s what a lot of rich people does!

While most has no choice but to exchange time for money (work) instead on spending on things that you love but limited time left (example your young kids and old parents), always aim to reach this level one day where you can use money to buy back 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 🙂

What if Later never come?

Posted on by careyourpresent

Every day, chasing…

Everyday we are chasing for more and more money, in order to provide better life to yourself and especially to your loved ones. We always told ourselves that once we reach 1 Million example, we will quit job and spent your finite precious time with your love ones.

However, it’s never enough. When we have 1 million, we will aim for 2 millions. When we have 2 millions, we will aim for 3 millions, 5 millions, 10 millions, 100 millions….in the process you become old and tired….then suddenly you may realised that

“LATER may never come”…

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 buy 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.

Watch this:

These are the Lyrics

[ISABEL]
When we first met
Your heart was free
Your hopeful eyes
Saw only me

Now you’re looking for something
Something I can never be
When you are really
All I need

You keep on telling me “later”
But “later” never comes around
Please stop telling me “later”
As you search for what just can’t be found

Take my hand
Come with me now and we’ll fly free
No more “later”, we both know that’s a lie
Don’t let be this the day I say

Goodbyе
Goodbye

[SCROOGE]
When you met hеr
You were set free
Her love for you
Was plain to see

You kept looking for something
A measure of security
But she was really
All you’d need

You kept on telling her “later”
But “later” never comes around
Please stop telling her “later”
Stop searching for what can’t be found

Take her hand
Go with her now and you’ll fly free
No more “later”, we both know that’s a lie
This will be the day she says
Goodbye

[ISABEL]
Goodbye

[SCROOGE]
Goodbye

[ISABEL]
Goodbye

Read these too:

Unlocking your Mental Strength to Grow Wealth – Save or Earn more?

Posted on by careyourpresent

Mental Strength

Saving = Income – Expenses

Everyone wants to grow their wealth and get more and more money for the betterment of their life. But how to get more money? There is always a constant fight between the earn more and save more camp. If you know what I am talking about, are you in the earn more or save more camp? I am the earn more camp but if really can’t earn more, do your save more.

Earn More or Save more?

Should you Earn more or Save more?

Let’s say for a fresh grad with an employed income of 3k monthly, how much investing capital do you need to get $3000 monthly at 5% interest rate (I am assuming REIT ETF at 5%)?

Investment capital = Annual income / interest rate

Investment capital = $36,000 / 0.05

Investment capital = $720,000

Therefore, to generate $3000 monthly with a 5% interest rate (assuming a REIT ETF with a consistent 5% return), you would need approximately $720,000 in investing capital.

Is it easier to get $720,000 to generate $3000 monthly or is it easier to get $3000 monthly from your employed income?

If we up the amount further

Let’s us up the amount further. Let’s say if you have worked a few years and earn more now, at $5000 per month. How much investing capital do you need to get $5000 monthly at 5% interest rate (I am assuming REIT ETF at 5%)?

Investment capital = Annual income / interest rate

Investment capital = $60,000 / 0.05

Investment capital = $1,200,000

Therefore, to generate $5000 monthly with a 5% interest rate, you would need approximately $1,200,000 in investing capital.

1.2 Millions! Is it easy to get that 1.2 millions in the first place?

Let’s up the amount even further

Let’s us up the amount even further. Let’s say if you have worked a few years and earn more now, at $8000 per month. How much investing capital do you need to get $8000 monthly at 5% interest rate (I am assuming REIT ETF at 5%)?

Investment capital = Annual income / interest rate

Investment capital = $96,000 / 0.05

Investment capital = $1,920,000

Therefore, to generate $8000 monthly with a 5% interest rate (assuming a REIT ETF with a consistent 5% return), you would need approximately $1,920,000 in investing capital.

1.92 Millions! Is it easy to get that 1.92 millions in the first place?

Saving

Let’s talk about saving. If you earn 3k, and let’s say you are very thrifty and save up to 50% of your income, how long do you need to get $720,000?

Time = Desired savings amount / Monthly savings amount

Time = $720,000 / $1,500

Time ≈ 480 months = 40 years!

How many 40 years in life do you have?

Using the same example earlier and up the amount

Let’s talk about saving with increased income. If you earn 5k, and let’s say you are very thrifty and save up to 50% of your income, how long do you need to get $1,200,000?

Time = Desired savings amount / Monthly savings amount

Time = $1,200,000 / $2,500

Time = 480 months = 40 years

Another 40 years! Can you live that long?

Let’s up more and use the previous example

Let’s talk about saving with increased income. If you earn 8k, and let’s say you are very thrifty and save up to 50% of your income, how long do you need to get $1,920,000?

Time = Desired savings amount / Monthly savings amount

Time = $1,920,000 / $4,000

Time = 480 months = 40 years

OMG! Another 40 years! Can you live that long?

But let’s say your saving rate is higher at 70%

If you earn 3k, and let’s say you are very thrifty and save up to 70% of your income, how long do you need to get $720,000?

Time = Desired savings amount / Monthly savings amount

Time = $720,000 / $2,100

Time ≈ 343 months = 28.6 years

If you earn 5k, and let’s say you are very thrifty and save up to 70% of your income, how long do you need to get $1,200,000?

Time = Desired savings amount / Monthly savings amount

Time = $1,200,000 / $3,500

Time ≈ 343 months = 28.6 years

If you earn 8k, and let’s say you are very thrifty and save up to 70% of your income, how long do you need to get $1,920,000?

Time = Desired savings amount / Monthly savings amount

Time = $1,920,000 / $5,600

Time ≈ 343 months = 28.6 years

Let’s summarise

What happen now? Let me put everything in a table.

Get the idea?

I guess you have got the idea.

Capital that you have is the gist of your investment. You must be able to get that investing capital in the first place. To get large amount of investment capital, the easiest way is the earn it, not save it! There is a limit of how much you can save given that one always need some decent amount to maintain a decent standard of living.

It’s easier to save 50% if you are earning 8k per month as compared to 3k per month. Earning 8k per month and save 50% means you are saving 4k per month. Earning 3k per month and save 50% means you are saving 1.5k per month. It’s easier to live with 4k per month as compared to 1.5k per month. All these are assuming there is no lifestyle inflation.

Lifestyle inflation

Lifestyle inflation is when people start spending more as they earn more money. You know, it’s like when you get a raise and suddenly feel the urge to upgrade your lifestyle by buying fancier stuff or treating yourself to expensive things.

Let me give you an example:

Imagine this guy named Tan Ah Gao. He used to earn $50,000 a year and saved 20% of his income, which was $10,000. He was pretty frugal and careful with his spending. But then, his income jumped to $80,000 per year. And you know what happened? John thought he could afford a better lifestyle, so he moved to a more expensive apartment, bought a new fancy car, and started splurging on lavish vacations and fine dining. The problem was, all this extra spending made it hard for him to save the same 20%. So instead of saving $16,000 a year, he ended up saving only $8,000. See, lifestyle inflation is something that hunt everyone.

But…think in terms of the Time of your Life

How to control lifestyle inflation? It’s all in your mind.

Let’s say you wanted to spend $1000 to buy latest phone but you can actually just buy $300 decent phone. Many thinks opportunity cost is $700 but it is not. Instead Think this way: you earn let’s say $10 an hour, you are using 70 hours of life, 4200 minutes of your life, 25200 seconds of your life to get this. Worth it? If you think this is worth, go ahead. If not, do reconsider your options.

(Of course, if selfishly, please buy the latest iphone gadgets please, or else how to keep increase APPL EPS and dividends =p?)

SO Save more or Earn more?

Both saving more and earning more play crucial roles in building wealth. To me, both are important, but Earn more is more important because there is a limit on how much you can save based on your current earnings! Of course, do take note of lifestyle inflation.

Unlock your Mental Strength to Grow Wealth!

For those who issue of saving, think of your time spent to earn that money before you spend on something. For those who already save the maximum until your lifestyle standard cannot be minimize anymore, focus to build your career/business and earn more!

Build your capital and ultimately one day let your investing income > expenses. Then you will be free!

Remember: Earning more and save more is the key to unlock your wealth growth!

Lastly, I want to end with this food for thoughts:

Many may not understand this – the way you invest your money when you have 10k capital as compared when you have 1 million capital is very different. I don’t understand it in the past, but I understood it now.

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 🙂

Ugly but Attractive Singapore Saving Bond – SBJUL23 GX23070H and my recent Trades

Posted on by careyourpresent

Singapore Saving Bonds

Many people love the stability of income, monthly cashflow, interests etc, worrying about the volatility of equities etc. Singapore Saving Bond is one of the best options that many people like to opt into. This month rate is out! The interest is no longer pretty but is still attractive. Why do I say so?

SBJUL23 GX23070H

Let’s look at this month bond’s rate.

The rate for first year is 2.76% with 10-year rate at 3.02%. The average 10 years rate is 2.82%. Psychologically, below like to buy SSB with rate above 3%. However, this month and the previous month the rate starts to drop below 3%, hence people think that this is not attractive not pretty anymore. But if one think carefully, 3%-2.82% = 0.18%. Is that difference really that big?

The CAP of SSB is 200k per pax. Let’s say for 200k, 200k*0.18%= 360 per year, $30 per month. It’s not a lot but its decent for some cai png money. However, realistically, during the months where the rate is above 3%, it’s not easy to get all 200k inside. Hence, you won’t be able to get all your 200k to be above 3% within a month of application as you won’t know the allocation rate.

If you refer to the April bonds, actually you can get everything you want, it’s all about hindsight. But who knows before that? When it was 3% that time, but the other options at that time give up to 4%, people rather take other options. Now it’s 2.82%, people rather take other options or this option?

Singapore Saving Bonds – SBAPR23 GX23040S – results out! Almost all get what they want!

Other Options

We should compare with other options available. One can see that the rates are dropping across board. The fixed deposits across the banks are around 3-3.5% for those 6 to 12 months. If you buy Fixed deposit, you will earn more as compared to Singapore Saving Bonds. But who know what will happen after 6 to 12 months? Singapore Saving Bonds, let you lock 10 years rate in advance and save you the hassle to keep sourcing for better rate every 6 or 12 months.

Is this hassle worth $30 per month for 200k worth of bonds? Or would you be better to spend your time better elsewhere? It’s up to individual. For me, I have finish building up my bond ladder where I will get something every month. Likely, I won’t add anymore. You can see screenshot of my bond ladder below.

There are also other options to put your idling cash – refer to Ultimate Guide of where to place your idling funds in Singapore.

Buy or Bye?

Hence, should we buy or bye?

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 already did)

Let’s us recap the disadvantages of SSB:

  • Short term rates are lower than banks’ fixed deposits, money market funds such as WeBull Fullerton fund etc of around 3.5% and above.
  • Low returns
  • 1 month liquidity to redeem your funds may be too long for people who need the funds immediately.

Interesting SSB this month

Do note that if you want to apply, the deadline is 26 Jun 2023, 9pm, with allocation out on 27 Jun 2023, after 3pm. The amount offered is 600 millions.

In my humble opinion, this month should be interesting month for Singapore Saving Bonds. People think Fed may not increase rate in June and the fact that fixed deposit rate are dropping all across the banks which make fixed income hunter/savers worry if the rates will drop further. Some might want to get the chance to lock their money in care rate drop further in a 10-year flexible bonds where they can withdraw the money within 1 month notice. Hence, there may be some interest this month, but I don’t think will be overwhelming.

As for me, I have already created by Singapore Saving Bonds ladder as my emergency fund. I won’t add further. You can try creating bond ladders too. Getting few hundreds every month risk free is great! Instead, I have also been shopping for equities for the past few weeks. See below:

My SSB Bond Ladder

See: Capturing Opportunities in Market Fluctuations: Noteworthy Recent Trades and

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 🙂

New Webull Promotion – Get Free Money now!

Posted on by careyourpresent

Updated Promotion

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

Step 1: Registration

Click here to register a new 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.