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Tag: Crypto

Free guide to self-custody in Cryptocurrency

Posted on by careyourpresent

Current Cryptocurrency Market

If we look around, Crypto is in a bear market now. Many Defi Site got rugpull, hacked, exchanges collapses (even the recent deemed as big and safe FTX also failed). Currently there are also FUDs about Binance, the biggest exchange in Crypto.

For those not in Crypto, FUD stands for “fear, uncertainty, and doubt”. Who know if Binance will really collapse. Personally I think it is quite unlikely but who knows? Hence, the holy grail of Cryptocurrency is always true.

Not your wallet, not your coins.

Everyone should owned hardware wallets and keep your own coins. However, I understand that this is difficult as not everyone know how to do it. Hence, a lot of people just put their faith (their hard earned money) in exchange instead of self-custody.

What are Crypto Wallets?

Firstly, what are Crypto Wallets?

Cryptocurrency wallets are digital storage devices that store a collection of digital currency. The wallet software maintains the private keys necessary to access and spend the currency. If you have several different cryptocurrencies, it’s important to have wallets that supports all of them and allows you to send and receive funds.

Type of Wallets

Different types of cryptocurrency wallets that one may heard of include:

Desktop wallets: Software wallets stored on your computer. Most desktop wallets allow you to control your private keys with a user interface.

Mobile wallets: Mobile apps that connect directly to the blockchain for sending or receiving digital currency. Some mobile wallets require users to authenticate their identity using bio-metrics or other methods.

Hardware wallets: Hardware devices that hold private keys offline and provide secure multi-Sig support for confirming transactions when needed. Hardware wallet options can be purchased online or in physical stores.

Hot Wallets – These are the most common type of wallets. When you open a hot wallet, your funds are immediately available for transfers or withdrawals. Hot wallets are also called personal wallets because they’re used by a single person or group of people at any given time. This can be risky because if someone else gets access to your computer or phone and steals your funds, it’s gone forever. You need to be very careful when using this type of wallet because no one else should have access to it but you!

Cold Wallets – Cold wallets store your private keys offline in an encrypted format (such as on a USB flash drive) so that only you have control over them. This means that even if someone steals your laptop, they can’t get access to your Crypto unless they know where it is located physically (in which case they can just take it). The best way to use this type of wallet is with a hardware device like Trezor or Ledger Nano S or X.

What is self-custody?

Self-custody refers to the act of holding and managing your own cryptocurrency, rather than entrusting it to a third party such as an exchange. This means that you are responsible for the security of your own cryptocurrency and have complete control over it.

There are several ways to self-custody your cryptocurrency, including:

  1. Using a hardware wallet: A hardware wallet is a physical device that stores your cryptocurrency offline. It allows you to securely store your cryptocurrency, and you can use it to make transactions by connecting it to your computer or smartphone.
  2. Using a software wallet: A software wallet is a digital wallet that you can download to your computer or mobile device. It allows you to store, send, and receive cryptocurrency, and you have complete control over your private keys.

Although self-custody can provide greater security and control over your cryptocurrency, but it also requires you to take more responsibility for the security of your assets. If you lose your private keys or your hardware or software wallet is compromised, you may lose access to your cryptocurrency. It’s important to carefully consider the risks and benefits before deciding to self-custody your cryptocurrency.

Free guide to self-custody in Cryptocurrency

Hence, for those who want to learn how to self-custody in Cryptocurrency using Metamask with Ledger (one of the most common wallet used). I have put up a guide which you can download.

Please go to my referrals and ebooks page to download (Its at the bottom section under Ebooks).

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 🙂

Powerful alternatives of Crypto Wallets

Posted on by careyourpresent

No Privacy in Decentralized Crypto

One of the long-term benefits/attractions of Crypto currency is that it is decentralized, there is no need KYC this and that. You just need to create seed phrases to generate a public address using decentralised Crypto Wallets. However, after the FTX collapses, there was a change in private policy for Metamask – the most used wallets by users in the Crypto world.

Source

Infura (owned by Consensys) now can collect your IP address and ETH address whenever you make a transaction. Omg! What happen to decentralization? Privacy? Is crypto heading towards the road of our usual banks with so many KYC? This leads to people seeking alternatived to Metamask.

There are four things that can do.

  • Use VPN
  • Change RPC
  • Use another wallet
  • Do nothing and just accept it

For this article, I will share the most common other alternative wallets that are used by people.

(1) XDEFI Wallet

This is one of the better wallets that I like it very much. The number of users is about 150k which is much lower than the wallets that I am going to share later.

https://www.xdefi.io/

However, one key advantage of XDEFI Wallet is that it is a multichain wallet that allows you to securely store, swap, and send Crypto and NFTs across 15 blockchains. One just need to setup ledger and connect to this which allow you to access multichain! One wallet solves all! You can see the screenshots below on the chains that they are currently supporting. There are also more chains coming up!

https://www.xdefi.io/

(2) Trust Wallet

Trust Wallet is one of the leading crypto wallets in web3. They were acquired by Binance in 2018 (the biggest most powerful centralized exchange).

https://trustwallet.com/

One can buy, store, collect NFTs, exchange & earn crypto. There are 25 million+ people using it and provide great security and credibility.

(3) Coinbase Wallet

Coinbase Global Inc is one of the majority crypto exchange that is listed. They have the non-custodian wallet Coinbase Wallet. From the horse mouth itself, Coinbase Wallet supports hundreds of thousands of coins and a whole world of decentralized apps. It’s your crypto – use it how and where you’d like.

https://www.coinbase.com/wallet

Conclusion

Thanks for reading. Of course, there are more wallets available in the market. Regardless of which wallets that you are using, please use a hardware device such as Ledger. As famous saying goes, not your key not your coins.

For those who are new to wallets, all these wallets are just interface (software) to access your public key. You just need to connect your ledger to these wallets and select the keys that you want to access in each wallet. Hence, you can use any wallets as long as you have your ledger. For those who want to learn more can read by earlier post on Guide – Managing your Crypto Wallets.

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 🙂

Free Money in Crypto

Posted on by careyourpresent

People always like free things. Free samples, buy 1 get 1 buy, free tasting, buy this and get that free etc….These are the common things that we all have heard and rush to get it.
How about free things in Crypto? Do you like it? Of course! However, how to get free things? Are there really free things in Crypto? Yes! Do read on.

In Crypto, there is something very special call “airdrops” which can give free money (tokens) to people who did some tasks. Basically, this is a marketing strategy by the new teams what create a new token that involves sending coins or tokens to crypto wallet addresses. Small amounts of the new tokens are sent to the wallets of active members of the blockchain community for free or in return for a small service, such as retweeting a post sent by the company issuing the currency. The ultimate goal of a crypto airdrop is to promote awareness and circulation of a new token or coin. (https://www.investopedia.com/terms/a/airdrop-cryptocurrency.asp)

How do I get the airdrops?

If one does your research to find out the new things in Crypto (or some longer protocols/DeFi sites with no tokens), you may discover that some the key team members hinted for an airdrop or confirm an airdrop. For those confirm an airdrop, they would tell you what are the tasks that you need to do in order to qualify for it. Sometimes, the snapshots are already taken before the announcement, and you won’t be eligible for it. There are few sites who share about the current/upcoming airdrops etc. You can refer to the last few rows of my page below.

Useful Crypto Sites

Most of the time, even for free things, we need to do our homework. Look for those protocols with big VCs, big fundings that have been there for quite some time and with many users. Go to their discords, their sites, research/interact with the founding teams to get some hints if they will give an airdrop. Once you have found out, do your work. Most of the time, the airdrops are generally very little with not many values. But there are cases where the airdrops really give lots of money, can be xxxx or even xxxxx. Of course, you need to do your research. There are people who planned way in advance, creating many wallets, like 20 wallets etc, do various things in anticipation of the airdrops. There are lots of works and time involved.

Recent potential airdrops

Let me share some of the recent potential big airdrops.

(1) Metamask

The team Consensys hinted an airdrop. But how to qualify for it? Currently, there are no official announcements on the tasks need to qualify for it, but we can guess/speculate it. If you wait for official announcement, it may be too late as snapshots may have already been taken. Generally, to qualify for airdrops, it involved more interaction with the protocol itself. For Metamask, given the fundings and the scale of Metamask, doing the tasks below may lead you to high profit airdrops.

Token Swap using Metamask

Steps:
Go to main menu in Metamask
Click on the blue Swap icon
Trade some $ETH for any token
Do more token swaps for all the chains the Metamask supports, sometimes volume/size of trade matters.

Use Metamask Bridge to bridge tokens

Steps:
Go to https://portfolio.metamask.io/bridge
Connect your wallet
Select Ethereum as 1st network
Choose second network – Bridge
You can bridge to Polygon, BNB Smart Chain, Avalanche currently and vice versa
Do more bridges between for all the chains the Metamask supports, sometimes volume/size of trade matters.

Create a Gnosis Safe Wallet

ConsenSys and Gnosis Safe announced a partnership, hence airdops may rewards may come to users.

Steps:
Go to https://app.safe.global/welcome
Connect your wallet
Create a Multisig Safe wallet

(2) Arbitrium

Bridge tokens to Arbitrium using the OFFICAL bridge (remember to keep some ETH as gas fee)

Steps:
Go to https://bridge.arbitrum.io/
Bridge to and from Abritrium One (don’t forget Arbitrium Nova)
Do more bridges transfers, sometimes volume/size of trade matters.

Interact with as many dapps as possible in Arbitrium

Steps:
Go to https://portal.arbitrum.one/, you can find all the dapps here. Go swap tokens, participate in LP, trade etc…

Participate in Guild Tasks

Steps:
Go to https://guild.xyz/arbitrum to participate in the tasks, you can manually go participate in the tasks or use the smart contracts created by https://twitter.com/fullsendbripto/status/1589271671198085120

Do note that the above are speculation on how to get the airdrops based on past experiences on criterias to get the airdrops. Since most of these are free or cost very little but with potential great rewards, why not try?

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 🙂

Stock Market + Crypto: Buy, Sell or hold?

Posted on by careyourpresent

Many people shared the stories of FTX, timeline etc about this bankruptcy. This will be a big dominos effect for the Crypto Market, but so far this didn’t hurt the traditional stock markets. After LUNA-UST, incident, I learn that for Crypto, better to sell once there are any news. BE SAFE than Sorry! Anyway, for the recent FTX bankrupt, I have transferred to my on-chain wallet linked to Ledger immediately on the day when the FUDs came out. Thus, I am fully intact and didn’t lose anything. Of course I also lose few % of my portofolio to LUNA-UST case but I didn’t lose anything to FTX and Hodlnaut cases. Yesterday it was about Huobi, Gate.io, Crypto.com. I also took all my funds out.

Hence for Crypto, please remember two things:

(1) If you hear any FUDs in Crypto Twitter (CT), especially from those more reputable CT posters, it is better to be safe than sorry. Take precaution.

(2) Keep your coins in hardware wallets like Trezors and Ledgers. For those who don’t understand this, please read my previous post (link below) on Guide – Managing your Crypto Wallets.

Guide – Managing your Crypto Wallets

What is my plan for Crypto?

Currently, I am waiting for the dominos effects caused by FTX collapses to play out first for the next few weeks. I will start to enter if BTC hit around 13k or ETH reach 800. However, I might go in once below 1k. This is because recently BTC dominance is dropping and ETH become more resilient. See how the situation play out first. Meanwhile, do you believe in Metaphyiscs now? FTX collapse on the day of Eclipse. See my post below.

Bear coming? Black Swan after Solar Eclipse?

For those who are new to Crypto, do consider reading my pinned posts to learn more. I have collated the key articles that I have written so far and will continue to compile.

Update for stock markets

Recently the market went up a lot because of CPI 7.7%, wow 0.2% drop. Market believe Fed will pivot. Hence, many people must be thinking that my view (see post: Careful, BIG crash 4th quarter is coming true) so far that the markets will crash further are wrong.

Do you believe this is really bull when FED target is 2%? If you go research, most buyers are retailers, not institutions. Be patient and wait. Of course, you can FOMO and go buy, but please exit in time when you have profits, especially your warchest/cash level is low. Another way is of course, buy, hold, stay on course and hold for 20-30 years, likely you will be profitable if you bought good companies/Crypto.

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 🙂

Useful Sites for Cryptos

Posted on by careyourpresent

In Crypto, there are many scam sites coming up everyday. Clicking a wrong site and connect your wallet to the site can be detrimental and may even cause you to lose your precious coin in your wallet. A good practise is to bookmark and keep the sites in your bookmark instead of use search engine to find each time.

For those who are new to Crypto, you can refer to bookmark this page for the useful sites for Crypto.

Useful Crypto Sites

How to buy real physical gold in the Cryptocurrency world using PAXG?

Posted on by careyourpresent

Buy real physical Gold but store where?

Many people like gold and believe that this is the real asset with value rather than the artificial fiat currencies created by various government. Gold is a commodity that dates back thousands of years as a store of value and a means of exchange even until today. However, one very big problem with gold is storage. How do you store something worth so much at home? What if fire broke out? What if a bulger enters your house and steal it? Of course, you can put in fireproof safe boxes at your home, but is it still safe? Do you feel safe? Alternatively, people put in safe deposit box with reputable companies like CISCO. This is not cheap too, it cost few hundred dollars per year, hence whatever you put in the box better worth the amount.

https://www.certisgroup.com/Solutions/Safe-Deposit-Box/Box-Sizes-and-Charges

Where to buy?

The next question is where you can buy gold? In Singapore, most people will go to the bank UOB. This is because UOB is the only bank in Singapore that offers (1) the sale and purchase of physical gold bars, gold bullion coins (2) Gold Certificate and 3) a savings account dedicated to either gold or silver. You do not incur GST if you purchase gold through UOB as it qualifies as IPM (Investment Precious Metals). However, all these options either doesn’t come cheap if you ask the bank to hold the gold for you OR back the same problem of how to store the physical gold?

https://www.uob.com.sg/personal/invest/goldsilver/overview.page

Best of both world: The Marriage of Cryptocurrency and real physical gold

What is this? So good? The answer is to buy PAXG, digital asset backed by real physical gold.

What is PAXG?

Pax Gold (PAXG) is a digital asset on the Ethereum Ecosystem. Each token is backed by one fine troy ounce (t oz) of a 400 oz London Good Delivery gold bar, stored in Brink’s vaults. If you own PAXG, you own the underlying physical gold, held in custody by Paxos Trust Company.

If you refer the table (see below) in PAXG website, there are numerous benefits to this token. The most key advantage is PAXG is ERC-20 token, it can be easily transfer, moved around anywhere around the world within a very short time and 24/7. The next key advantage is the fee is low and it can redeem for the real gold via Paxo platform. Hence, storage and fee will no longer be an issue!

Where to buy PAXG?

How do I buy this? For those who understand and buy crypto before, you should be able to buy it easily. For those who are new to crypto, let me introduce a good site to you – Coingecko (you can refer to this post which I have shared about this site previous). If you go to site, you can see all the places where you can trade this coin. From the table, you can buy it from major CEX or directly at DeFi site at Uniswap.

Of course, one very key important thing is not your key not your coin. Regardless of where you buy it, please send it and keep in your cold wallet such as Ledger. If you want to find out more about wallets, please read my previous post (Guide – Managing your Crypto Wallets).

https://www.coingecko.com/en/coins/pax-gold#markets

What gold do I owned if I have PAXG?

For those who have already bought PAXG, you can check the details via the PAXG site. Every Pax Gold token is backed by an ounce of allocated gold. Use this tool to lookup the serial number and information about your gold. Scroll down to the middle of this page, you should be able to see this box to key in your Ethereum Address. However, do note that this is only for PAXG held on Paxos, not in custodial exchanges/wallets.

If this safe?

Paxos Gold is backed by real gold reserves held by Paxos, company in New York. Each PAXG token is linked to a 1:1 ratio to one troy ounce (t oz) of a 400-ounce London Good Delivery gold bar stored at Brinks Security vaults in London. The Paxos-backed cryptocurrency, PAXG, is backed by the London Bullion Market Association (LBMA) certified gold bars and may be redeemed for actual bullion.

Conclusion

For investor who believe in gold as a store of value or for investment, and regardless of if you are familiar with Crypto or even new to Crypto, do consider buying some gold using PAXG, especially given the turmoil macros conditions now with increasing likelihood of more wars.

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.

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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!

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