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11 Important Unexpected Life and Money lessons to learn from Your Children

Posted on by careyourpresent

Lessons

We often thought that as adults, we should know much more things as compared to young children. Moreover, we were young once and now being adult, with richer life experiences, we are always better and more right from children. There is nothing to learn from them. Instead, they should be learnt from us and followed us as their role models. This is definitely the mindset of many adults.

However, I beg to differ. There are many life lessons that are either long forgotten or suppressed by our own parents as we grow up.

In my personal opinion, we should respect the child’s view (my two kids, 7+ and 4+ years old), listen to their thoughts and learn from them.

Let me share 11 important unexpected Life and Money Lessons that I have learnt from them.

1. You don’t need a lot of money to be happy

As we grow older, we have more and more material want. We want car, nice house, high income/bonus, nice food etc. When your 9 to 5 gives you higher bonus and salary, promotion etc compared to past years, most people will be happy. However, most forget that very often this means higher responsibilities and lesser time left for yourself and your loved ones.

The older I get, the more I realize a happy life need not be costly. In fact, it is free most of the time. A rich life doesn’t need to be expensive. Looking into the beautiful sky while enjoying the breeze in park is free. Just simply holding the hands of your loved one is free.

Most important, guess what your children need most from you while they are young?

Time + Companionship are the most precious things that you can gave to your child, not money. They will never remember how much money/what things that you have given them while they are young, but they will remember the feeling of the together time that you have spent with them.

2. Enjoy NOW and be happy regardless of circumstances

Most of us adult always like to regret past and worry about future, example worrying about paying bills, whether one has enough money for retirement etc (but put it in a very blunt way, are you sure you are still alive at 65 years old to spend your CPF retirement money?).

This is a very common thing. I only truly understand living in the moment only after recent death of my mum (read: Truly understand Living in the Moment now and Farewell Mum. You are always in my mind.)

“You are so anxious about the future that you do not enjoy the present. You therefore do not live in the present or the future. You live as if you are never going to die, and then die having never really lived.”

Dalai Lama

But to be very honest, to practice it daily and every moment is not easy, especially if one is in a very unfavorable circumstance. However, but my younger girl is constantly living in that way.

Incident 1

She only really thinks about now only. For example, one evening (22 Feb 2023), she wanted to go out and play in the playground, but it was quite late about 6pm plus close to 7 after I picked her from pre-school after work.

We told her that Daddy is tired, and it would be better for us to bring her out tomorrow (23 Feb 2023). Furthermore, tomorrow we can bring her out earlier maybe 4plus or 5 plus. But this suggestion didn’t work. She kicked a big fuss and cried sadly. There is no such thing as delayed gratification in her dictionary. My guess is we also don’t have such “delayed gratification” when we were young, but our society always taught us to plan and think ahead for better future. We have forgotten how to enjoy now.

In the end, I agreed to bring her out. She was so happy at that moment. Enjoy Now not tomorrow!

Incident 2

I brought her to dentist on 15 Feb 2023. This visit is a follow up from past visits where we are monitoring one of her left back teeth with cavity. She is a girl which like sweet things.

During the visit, the dentist informed us that there is “abscess” found above the gums in two of her tooths – her left back teeth (which we were monitoring since months ago) and front tooth. I was told that we are not advised to wait any further. We must extract her front tooth because root of the tooth is already damaged and no point saving. As for her back left tooth, they can try to dig out the cavity and then do crowning as the root of the teeth are still fine. Extraction will take 10-15 minutes whereas the other will take two sessions of 45 minutes each. To young kids (parents will know), it will be very difficult for her to sit still receive treatment and the idea of treatment/extraction terrified her when we are the dentist. I was told to bring her home first and then slowly talk to my child.

But the strange thing is after we leave the dentist to go home, I am the person who keep thinking on how to explain to her, how to make her sit still for two x 45 minutes for dental treatment. Whereas for her, she has totally ignored what dentist had told her (and also what we had explained to her on the same day later), she just focuses on she wants to play, especially today she can skip preschool.

This is truly:

Enjoy NOW and be happy regardless of circumstances

3. Let it go and be free – unrestricted and courageous

As we grow older, we become fearful. We become fearful of how others see us; how well we do in exams/work; fear of not enough money; fear of sickness etc. We lost all our Courages.

But I saw unrestricted courage in both my kids every day.

Take example, in playground, they just jumped down from very tall part of the playground to the floor (should be about 2 meters at least). Wow I remembered many adults during NS are afraid of jumping down while doing SOC.

Learn to Let it go. See this post (Careyourpresent: Frozen. Let it go!) which was written previously.

Many people don’t let their kids play in the rain, but we have allowed and even played with them.

Let it go and be free!

4. Trust and Relationship takes time to build

Many parents consciously or subconsciously will tell their child that they cannot do this, they cannot do that, they must play in this way in the playground etc. but we are not such parents. We told them they can do whatever as they want as long as they are confident in whatever they are doing. If they any help or has anything to ask or even cry/sad after failing and trying, just come and find us, we won’t scold you.

As a result, they trusted us, building great relationship with us. This don’t happen within a day; we been teaching them this way since they were babies. They told us they rather come home as compared to being in school. Trust and relationship take time to build.

This is totally in contrast to my relationship with my parents and my wife with her parents. We rather be in school when we were young because we want to escape home. They don’t trust us at all. Even when I am adult, they don’t trust me to be capable of making my own decision such as riding a bicycle to their house, making a decision on my own etc.

Please empower and give trust to your child. Build real relationship with them.

5. Learn to Play like a Child

Guess what is the full-time job of a child is? PLAY!

Guest what is the full-time job of an adult is? A full-time job!

See the contrast?

When we were young, we just play play play. When we are old, we have forgotten how to fully immerse in play (we know how to take break take leave take vacation to relax and play, but unconsciously or consciously we may not be fully present in playing because we always have thousands of other things in mind).

The main point is play is not just play. Recap and think how you played when you were young. ARE you able to really fully immerse in what you enjoy doing when you are an adult? Recap how a child play,

Recap how you as a child play in the past, learn to fully present in play, clear your mind of other things while you are enjoying doing something.

This is not easy but is something I am trying to learn from young kids.

Learn to play like a child, be fully immerse in things that you really enjoyed instead of what society want you to be.

6. Notice little things

When we walk around every, most of us have lots of things thinking in our mind, we are looking at our phones, thinking about work, thinking about food, thinking about news, thinking about investment etc. But we never stop and observe what is around us?

But the children will. They will stop and notice what are the little creatures in the grass, the leaves, sands, soils etc on the ground.

As we grow older, we only observe big things but forgot about little things. Learn to stop, look and observe little things that are most often ignored/missed/forgotten.

(Don’t just focus on interest rate increasing, little things like money supply are actually decreasing will be the main issue…)

7. Reflect, share your feelings at the end of each day

I didn’t know how to reflect, or should I say didn’t remember that I should reflect my days, months or even years. I was too engrossed with many many other things in life. But my kids truly taught me how to reflect. Recently I have wrote a reflection post (see: Portfolio Update: Feb 2023 and Reflection at half-life (hopefully) mark – 40 Years old)

Every night, my kids like to share with me on what they have experienced in the day on bed. It’s cool to hear from them to learn how they think. Sometime very touching, I remembered that once my son told me he is very happy that he has completed this lego robot today by himself – can hear the proudness in his voice.

We should always learn to reflect our life. It can be every day, once a month or anytime. Just remember to stop and reflect.

8. Love Unconditionally Forgive Readily

Children do this all the time and while many adults say this very few people actually practice this in real life.

As an imperfect parent I have constantly been on the receiving end of this motto.

As much my wife and I aspire to raise our children with respect, patience and love, there are moments of weakness and hurt that we could not overcome, and we let the children down in a variety of ways: we may lose our patience and temper, we may not be able to keep up to every single promises, or there may be hopes and little wishes that we could not afford to keep up. Despite these imperfections, the children always think the best of us, and forgives all our wrongs.

Seeing us after school is still the best part of their day.

Cuddling beside us is still the most fulfilling thing to do.

Spending time with us doing anything, everything, or nothing at all is still their most favorite moments.

No matter if raised our voice moments ago, or if we had to say no to small things, or if we failed to keep a promise.

Love unconditionally, forgive readily.

9. TIME has no reset button and is ticking away as each day passes

“Time has no reset button” is what I used to be saying. (see: Truly understand Living in the Moment now).

But after my mum passed away on 19 Jan 2023. I realised that not only time has no reset button, it is ticking away very fast as each day passes. (see: Farewell Mum. You are always in my mind)

Hence, it is more accurate to say:

Time is ticking away For each passing day You have one less day with your spouse,parents,children,yourself Escape 9 to 5 and be yourself

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.

We always thought that we have more time to play with your kids while they are growing up every day very fast. With a blink of an eye while you are busy hustling away 9 to 5, trying to earn more and more money (maybe you already have enough, but you keep thinking you don’t. Read this post: You will likely never run out of money with 1 million: Expectation vs Reality), they are already so big. They no longer want to play with you. They want to go out with friends. By then no matter how rich you are, 10 millions/10 billions, they still rather go out with friends. You missed it means missed it. There is no reset button.

I realized that I should spend more time with kids and really be present (not just physically present but mind is not present). TIME is TICKING very fast away each day.

I have shared this picture before, let me share again.

https://twitter.com/pascalcampion

10. Don’t need to be bother with other people opinion(s)

To many people, this is a very controversial point. We should be mindful of other people opinion(s), take in good opinion(s) but reject the negative unproductive comment(s). However, as adult, most people will find it hard to differentiate between good/bad comments – in fact many will take it to heart on bad comments while feel complacent/happy over compliment comments.

Let’s look from a child perspective.

Few weeks ago (18 Feb 2023) during weekends, instead of taking bus, my whole family took at long walk 30-60 min to our nearby fire station for a short tour. We treat it as a family bonding walk/exercise.

For those who are not aware,

Members of the public can visit our Fire Station Open House in person. Guided tours are available at the Fire Stations listed below for members of the public on Saturday mornings over two time slots – 9.00am to 9.50am or 10.00am to 10.50am. (Visit SCDF Establishments)

A fire truck photo that we took during the visit

After the kids had fun at the Fire Station, we wanted to walk to a nearby mall for lunch. However, my son complained tired and asked us to carry him (7 years old). I was carrying my daughter, hence my wife decided to piggyback him. After walking passed a park, an elderly auntie saw us and commented “Aiyo, so old already still need people carry!” We ignored that person and continue to walk further down. After some distance away, my wife asked my son “What you do think? Are you affected by what the Auntie said just now?” We thought that our son might feel “paiseh”, hence we wanted to find out how he feels.

But without any hesitation or thinking, he answered, “Why bother with what other people said? Mama carry me, I am happy :)”

As adult we are so wrong, we are always bothered with other people said but 7 years old taught us this important life lesson.

No matter what you do, other people sure got things to comment. Hence, don’t need to be bother with other people opinion!

11. Do what will make you happy

Children always like to do what that will make them happy, best is with no adult interference.

But the truth is often otherwise. Adult likes to put/enforce their thinking/habits into their child. It is very common to see an adult telling a child that he/she should do this and do that instead of this and that that the child actually wanted to do.

As we grow up, the society taught us to do what is the best for the current circumstances not what makes us happy. In the end what happened?

There are lots of sad adults that do things that doesn’t follow their hearts, and, in the end, they are innately sad.

There are lots of child who are always playing and happy everyday provided they have the empowerment and chance to do what they like.

Do what will make you happy, not others happy.

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 Updates- 11 Market 2023

Posted on by careyourpresent

Risk off Mode or Risk on?

I have shared before I am waiting for the chance to make my purchases. Either Mr Market gives chance or will put some dry powder in SSB first (see post: SBAPR23 GX23040S – Singapore Saving Bonds (SSB) above 3% again. Buy or Bye?).

This will be a dangerous post for market prediction, but I just want to make it on record that I have typed this before. For those who don’t believe in market prediction with some timings of the market, please do not read on.

Market Updates

The markets have been down for the past few days. The prominent ones would be the crash of Silicon Valley Bank. Who say a stock that is up for decades can’t be down within days? Do note that the collapsing contagious effect of this is not out yet.

Google
Market Watch

Don’t forget the contagious effects that will come.

For those into US market, do be careful. SG market likely will down but the extend we won’t know, but my guess should be much lesser than US. For those who are buying into SG dividend stocks, should be safe if you have the cashflow to keep average down good dividend stocks. However, do note that if big brother sneeze, the rest better take care too. Pace and plan your buys.

Twitter

Let’s fast backward and see what I have posted in Twitter.

QT, SIVB, inflation, decrease in money supply etc – something will crack, and the contagious effect will come.

Pictures speak a thousand word.

Some time for quick update, it is easier to post in twitter/share in telegram than writing a long post in blog. By the end edit finish in blog, the issue is already long over.

This article is a rare post for me to share quick snippets of what have happened and might happen. I will continue to write longer articles in blog and share quick latest updates in Twitter/Telegram. Do join us if you are keen.

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 🙂

Guide to Real Estate Investment Trust (Reits) – Hows and Whys

Posted on by careyourpresent

What are Real Estate Investment Trusts (REITs)?

Real Estate Investment Trusts (REITs) are getting popular nowadays. For those who are not familiar with REITs, do read this article. For those who are familiar, this article will be a refresher and may have things that you never think of in the past.

Why and What?

In terms of capital, you can start investing in Reits from as little as $1000 as compared to real properties where you need at least 5-6 figures for the downpayment! Thus, it is a very affordable option for people who want to invest in properties for cashflow but only has limited funds.

To put in in very simple terms, in summary, REITs are

  • popular investment options for those who are interested in real estate, but do not want the hassle of managing multiple properties themselves.
  • investment vehicles that own, operate, and finance income-generating real estate properties such as apartments, hotels, office buildings, data centre, rural farms, shopping malls etc
  • investment trusts that own, operate, and finance income-generating real estate properties. In return, REITs were required to distribute at least 90% of their taxable income to shareholders in the form of dividends, which mean cashflow for investors.

Advantages of Reits

  1. Diversification: REITs provide investors with exposure to a diversified portfolio of income-generating real estate properties unlike a single property for a real physical property that one purchase directly.
  2. Dividends: REITs generate income through rental payments and interest payments from real estate loans and they are required to pay 90%. This income is typically distributed to shareholders in the form of dividends, providing a steady cash flow.
  3. Liquidity: REITs can be easily bought and sold on stock exchanges (can even use RSP), providing investors with the ability to quickly liquidate their investments if needed. This is totally unlike a real property bought from the real estate market.

Disadvantages of Reits

  1. Volatility: Like all stocks, REITs are subject to market volatility and can experience significant price fluctuations, especially for those weaker reits. In Singapore contexts, we can see what happened to the US office reits 🙁 Conversely, real physical property prices are usually steadier.
  2. Interest Rate Risk: REITs may be impacted by changes in interest rates, which can affect the cost of financing for real estate loans. We can see this in the recent rate hikes.
  3. Potential right issues: Reits doesn’t keep much cash, hence for acquistion of new properties, repayment of debt, they may raise cash using rights issue.

Key Metrics to look out for before investing

Before investing in Reits, we should always take note of these nine metrics. Of course, these are not the full list, but one should at least know these nine metrics.

Distribution Per Unit (DPU)

Distribution per unit (DPU) is the amount of dividend paid per share. One should at least aim for 6% and above since the current risk-free treasury rate is 5%.

DPU is one of the most important metrics to evaluate when investing in REITs. It is a measure of the REIT’s ability to generate income and course the cashflow to investors. Investors should look for REITs with a history of consistent and sustainable DPU growth. If DPU keep decreasing due to Reit issue (rather than Macros situation such as COVID), investors better take note and decide if one should continue with this investment.

Growth in Distribution Per Unit

The growth in distribution per unit (DPU) is the increase in the REIT’s DPU over time. Investors should look for REITs with a consistent track record of increasing DPU. IT can be slow increase but at least must increase. One can look at the Mapletree Family of Reits such as Mapletree Logistics Trust for example.

To put in another word, a REIT that consistently grows its DPU over time indicates that it is able to generate more rental income from its properties over the years, and thus, has the potential for long-term growth. However, please take note the DPU growth should not be from the growth in debt.

Occupancy Rate

Occupancy rate measures the percentage of the REIT’s properties that are currently leased. A high occupancy rate is a positive indicator of the REIT’s ability to generate rental income from its properties. Investors should look for REITs with a consistent history of high occupancy rates, as this indicates strong demand for their properties. Typically, 90% plus will be good.

Gearing

Gearing measures the amount of debt that a REIT has relative to its equity. Too much debt can increase the risk of right issues and the potential defaults in the very worst scenerio. Investors should look for REITs with a manageable level of gearing, which should not exceed 40%.

Price-to-Book Ratio (P/B Ratio)

The price-to-book ratio (P/B Ratio) measures the market value of a REIT relative to its net asset value (NAV). A REIT trading at a discount to its NAV indicates that the REIT is trading at a discount to its properties.

However, low P/B values doesn’t mean the Reits in good. Conversely, usually good Reits trade above book value (example Parkway Reit). Investors should look for REITs with a P/B ratio by referencing to its historical average or those of its peers with similar assets.

Interest Coverage Ratio

The interest coverage ratio measures a REIT’s ability to pay its interest expense using its operating income. The interest coverage ratio is calculated by dividing a company’s earnings before interest and taxes (EBIT) by its interest expense during a given period.

A high interest coverage ratio indicates that the REIT can easily meet its interest obligations, while a low interest coverage ratio may indicate financial distress. Investors should look for REITs with a high interest coverage ratio, at least above 2.0.

Quality of Sponsors and Growth Prospects

The quality of sponsors and growth prospects are critical factors to consider when investing in REITs. The sponsors’ quality can provide investors with confidence in the REIT’s management team and its ability to generate long-term growth. Sponsors can also support potential right issues, thus price support too.

Additionally, investors should evaluate the growth prospects of the underlying properties, which can provide insight into the REIT’s potential for long-term growth. In Singapore Contacts, Capita, Ascendas, Maples and some frasers families of Reits will be great!

Rental Reversion

REITs signed agreement with Tenents for a certain agreed period. Leases will be renewed every few years. When they are a change in rental rates, this is called Rental Reversion.

Positive rental reversion means that REITs managed to get a higher rental rate from its tenants. If the rents drop, it is called negative rental reversion.

Investors should always look for REITs with positive Rental Reversion. This signal that this REITS have the bargain powering in the industries and also reflected the importance of its location and other features of the buildings. This indicates competitive advantages.

Lease Expiry Profile and Weighted Average Lease Expiry (WALE)

The lease expiry profile and the weighted average lease expiry (WALE) are metrics that provide insight into the stability and visibility of the REIT’s rental income stream. The lease expiry profile measures the percentage of the REIT’s leases that will expire in the next few years, while the WALE measures the average remaining lease term of the REIT’s portfolio.

Investors should look for REITs with a stable lease expiry profile and a long WALE. A stable lease expiry profile indicates that the REIT’s rental income stream is secure and that it has sufficient time to renew leases and find new tenants. A long WALE indicates that the REIT has a stable and predictable rental income stream, which can provide investors with a sense of comfort that the REIT’s earnings are predictable.

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 🙂

7 Things to consider before buy a dividend stock

Posted on by careyourpresent

Why dividend investing?

There are many ways to do investing, but one of the way that many people like is dividend investing. But why?

Dividend investing is a simple, straightforward way to earn a steady income. It’s not as sexy as going all-in on high-growth stocks or cryptocurrency, but it’s practical and reliable. Plus, it comes with the added benefit of growing your wealth over time by building passive income streams.

We’ll go into more detail about how dividend investing works here:

You can invest in shares and benefit from the power of compounding returns.

When you invest in shares, you can benefit from the power of compounding returns. Compounding is the ability of an investment to generate earnings that are reinvested, thus creating additional earnings. This means that your money will grow over time without having to add more funds yourself.

The idea behind compounding is simple: if an investor invests $100 at 6% per annum and compound it by reinvesting the dividends for 10, 20 or even 30 years without any capital injection. What would you get?

You will get 5x the money after 30 years! Don’t you like dividend investing?

It’s simple to begin investing, and there are no limits on how much you can get started with.

You can start with as little as $50, and there are no limits on how much you can get started with. You can invest in a variety of different types of companies that offer dividends and build up your portfolio over time. You may not even need to buy shares all at once – you could do so gradually over several months or years.

Dividend-paying stocks aren’t just for people who have thousands to invest; they’re also accessible to beginners who want to learn more about investing while building wealth at the same time! Of course, do get a brokerage which cheaper commissions.

Historically, dividend stocks have been shown to deliver solid long-term returns.

Dividend stocks are a great way to build wealth and generate passive income. They have proved to be more stable than the market as a whole, so you can count on them for long-term growth.

If you’re looking for a way to make money from your investments without having to worry about whether or not the stock will go up or down, then dividend investing is definitely worth considering.

Dividend investing is a sensible way to grow wealth and build passive income streams over time by investing in companies that regularly pay out cash distributions to shareholders

Dividend investing is a sensible way to grow wealth and build passive income streams over time by investing in companies that regularly pay out cash distributions to shareholders.

Things to note before investing in any dividend stocks

Dividend stocks have been shown to deliver solid long-term returns, but there are a few things you should know before diving into this type of investment strategy:

1. Dividend Yield

Always check the dividend yield to determine the annual dividend payment as a percentage of the stock price.

2. Dividend History

Look at the company’s dividend history to see if it has a track record of consistently paying dividends.

3. Growth of Dividends

Consider the company’s dividend growth rate to see if it has a history of increasing its dividends over time.

4. Earnings and payout ratio

Look at the company’s earnings and payout ratio to see if it has the financial stability to continue paying dividends.

A high payout ratio may indicate that the company is paying out a significant portion of its earnings as dividends. This is a typical trait in Real Estate Investment Trusts! Hence do take note to keep some money in case they ask for right issues at very bad market condition!

5. Business Model and sustainability

Consider the company’s financial stability and business model to determine if it is likely to continue paying dividends in the future. If there is any red flags, do take action to take profit or cut loss.

6. Industry Trends

Research the industry and its trends to determine if the company’s business is likely to continue growing and generating income.

7. Diversification

Consider diversifying your portfolio by investing in a variety of dividend-paying stocks, rather than relying on a single stock for income. In case any stock dies, you still have others!

Dividend Journey and your future will thank you!

Dividend investing is a great way to build wealth and generate passive income streams. It’s simple to get started with and there are no limits on how much you can invest or earn from dividends. With the power of compounding returns, you can benefit from regular payments from companies that pay out cash distributions to shareholders.

Your future self will sure thank you if you start now!

Do also read the articles below to learn more!

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 🙂

Update on my recent Trade under rising interest rate conditions!

Posted on by careyourpresent

Market Update

As I have shared in my previous articles, with the most recent on market being on SAVERs – How to maximize your interest and my Market Transaction/Updates and SBAPR23 GX23040S – Singapore Saving Bonds (SSB) above 3% again. Buy or Bye?, the market is very volatile now, my action now is trading but will keep those shares that I have accumulate cheap for longer terms.

Trade or Wait?

I would generally preferred at least a 6% yield before I will buy anything. If not, it would be better for me to keep money in high saving account at 4%. Why take the risk? The latest treasury yield is 3.98% now but I didn’t applied for it because Standard Chartered has given me 4% from March to Aug 🙂

My Trade

Recently I have bought CapitaLand India Trust at $1.09 in the early part of the week and sold at $1.12 yesterday. The purpose is for quick trade and to ease itchy fingers. Next month should be getting more interesting!

For those who are unaware what this share is about, you can read more about it here. I have extracted from the company’s website itself below.

Current yield is 7% with 0.96 book value. On the longer term basis, I am positive about this counter. Hence it’s worth a trade, even if stuck it’s still ok. If it come down again in March, I will buy again. Depend on how low the price get, I may keep for longer term 🙂

CapitaLand India Trust (CLINT), formerly known as Ascendas India Trust (a-iTrust), was listed on the Singapore Exchange Securities Trading Limited (SGX-ST) in August 2007 as the first Indian property trust in Asia. Its principal objective is to own income-producing real estate used primarily as business space in India. CLINT may also develop and acquire land or uncompleted developments primarily to be used as business space, with the objective of holding the properties upon completion. As at 31 December 2022, CLINT’s assets under management stand at S$2.5 billion.

CLINT’s portfolio includes eight world-class IT business parks, one logistics park, one industrial facility and three data centre developments in India, with total completed floor area of 15.5 million square feet spread across Bangalore, Chennai, Hyderabad, Pune and Mumbai. CLINT is focused on capitalising on the fast-growing IT industry and logistics/industrial asset classes in India, as well as proactively diversifying into other new economy asset class such as data centres. CLINT is structured as a business trust, offering stable income distributions similar to a real estate investment trust. CLINT focuses on enhancing shareholder value by actively managing existing properties, developing vacant land in its portfolio, and acquiring new properties.

Live a Life

Lastly, let me end of with this.

Everyday passes by so quickly.

Before you knew it Baby becomes child.

Parent died I become old.

Seize your time.

Do what you love.

Buy assets GENERATE CASHFLOW.

And a poem from CHATGPT!

A good life is not one of riches and fame, Nor is it found in fleeting pleasures and vain games. It’s the simple things that bring us joy and ease, Like a peaceful mind and a heart at ease.

A good life is one of love and compassion, Of meaningful connections and heartfelt satisfaction. It’s the giving of oneself to others in need, And finding beauty in every simple deed.

It’s waking up each day with a grateful heart, And finding ways to make a positive start. It’s the laughter and the tears we share, And the moments that we hold so dear.

A good life is one of purpose and of grace, Of finding meaning in each challenge we face. It’s the journey we take, not just the destination, And the lessons we learn, with each revelation.

So let us live each day with love and light, And cherish each moment, with all our might. For a good life is one of joy and peace, And it’s found within, when our hearts are at ease.

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 🙂

SBAPR23 GX23040S – Singapore Saving Bonds (SSB) above 3% again. Buy or Bye?

Posted on by careyourpresent

SBAPR23 GX23040S – Singapore Saving Bond (SSB)

Today is the 1st day of March and the new SSB rates are out again!

We are back to above 3% again to 3.15%.

As mentioned in my post on 24 Feb 2023 (SAVERs – How to maximize your interest and my Market Transaction/Updates), the worldwide interest rates are going up and likely we get chance to buy higher SSB again as well as chance to take advantage of market weakness.

https://www.mas.gov.sg/bonds-and-bills/singapore-savings-bonds

Let’s see the breakdown of the 10 years rate. 1st year is 3.01% whereas the last year is 3.53% with average at 3.15%. Great rates! S$700.0 million are offered with last day of application on 28 Mar 2023, 9pm. Upcoming payment is on 01 Oct 2023 with subsequent payments (until maturity): Every 6 months on 01 Apr and 01 Oct.

US Interest Rates

If we look at the US Treasury Rates, US6M reached 5.16% with US10Y at 4%! Yield curve is highly inverted again.

Inflation is not going away soon. FED not going to pivot so easily. For those FOMO (Fear of Missing Out) and enter the market in the recent rally, do consider keeping some cash in just case to either take advantage of higher fixed income like SSBs or simply wait for further weakness in market which is coming soon.

CNBC

Past issue of SSBs

Let’s look at the rates of recent issues below and you will be able to see which I say the current month rate is decent.

SBAUG22 GX22080V
SBSEP22 GX22090Z 
SBOCT22 GX22100X
SBNOV22 GX22110A
SBDEC22 GX22120S
SBJAN23 GX23010Z
SBFEB23 GX23020X

The above are all the Singapore Saving Bonds (SSB) that I have bought previously (I only didn’t buy the March Issue because it is was lesser than 3% and I knew SSB rates are going up).

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 MoneyOwl,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.

Hence the question is should we buy or bye?

For me I would do a wait and see method.

I have already kept decent amount of Funds in Singapore Saving Bonds and some funds in the higher 6 months Fixed Deposits and MoneyOwl WiseSaver etc. No point to keep putting funds into Singapore Saving Bonds that limit the growth of my funds. I would prefer to buy equities (also Crypto/Options) etc for higher yields as well as capital gain.

Since the last day of application is 28 Mar 2023, 9pm which is still far away. With the current market conditions, Mr Market would likely give chance for me to accumulate cheap assets soon 🙂

If he didn’t, then perhaps I would consider buying this month SSB (and/or redeem lower rate old SSBs).

What’s your plan?

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 🙂