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Tag: Dividends

If I am a dividend investor, this is what I would do….

Posted on by careyourpresent

Type of Investors/Traders

There are many types of investors/traders, which type are you?

  • Index investor
  • Growth investor
  • Dividend investor
  • Bond investor
  • Traders – options, momentum,
  • and so on

The lists are very long. But before we start putting any capital investing, we should know what is your risk profile and what kind of investments would make you sleep well at night? This sleep test is one of the most powerful methods. If after buying any investment, you can’t sleep well after the price drop 50%, better don’t buy. If you still buy, you are sure to lose money, cut loss, and make the legendary mistake of buy high sell low.

Identify your cash for investment

After knowing what type of investors, you are, please plan your budget well.

Keep 6 to 12 months of emergency funds (for me I keep 3 years) at least where you can put in Fixed Deposit, Money Market Fund, short term bonds etc, then keep a daily fund that can cover your monthly cashflow for around 1-2 months. You can see my post on portfolio update to see how I allocate.

The rest of the funds you can put into a fund call “cash for investment”. Within this cash investment fund, you have to decide on your allocation. How much warchest/standby cash that you would keep buying when the market crash, how much do you want to invest etc.

Strategies

Once we know our own risk profile, how much we have for investment. We need to set our rules/strategies for investing. In this article, I will cover what is close to many people heart…

If I am a dividend investor, this is what I would do…

I would set the following 5 rules and abide to it:

1. No Dividend No Buy and only buy those that I am willing to keep long term of at least 10 years. Must pass sleep test.

Most people although calling themselves dividend investors, but they don’t really behave like a dividend investor. They buy/sell, buy/sell trade the dividend stocks/Reits instead of keeping for dividend. If the price crash, they would sell and cut loss.

You can see from the recent crash of the US Reits such Manulife US Reit, Keppel Pacific Oak US Reit, Prime US Reit – initially the investors sound so confidence, freehold assets, US assets etc., good rental income etc.. But see what happened now? Many of them cut loss after the price drop 50% or more.

If you have bought MIT at $2.80 instead of Manulife US Reit at $0.70, likely you won’t cut loss for MIT but will cut loss for Manulife, especially if you have put in an amount larger that you are comfortable with (see Rule 3 below).

Hence this first rule is very important. Please only buy reits/stocks that you are willing to keep at least 10 years, no speculation, no FOMO (Fear or Missing Out). Don’t listen to others. Have independent mind. Must pass sleep test.

Take for example, Development Bank of Singapore (DBS), Singapore Exchange (SGX), Mapletree Industrial Reit (MIT), Mapletree Logistic Reit (Mlog), Capitaland Ascendas Reit (Areit), Frasers Centre Point Trust (Trust), NikkoAM-STC Asia Reit (CFA) etc. No people will cut loss buying these, they will simply add more. Yes, the yield is low, but on long term basis, it is a 99% sure win. Remember Tortoise and Hare Story, Tortoise wins. Many people are enticed by high yield instead of the fundamental behind the companies which in the end lose their hard-earned money and cut loss when the shares drip in prices.

Just keep buy and collect dividend and reinvest for good stocks/reits. You will get this picture below.

2. GUTS (buy big) and PATIENCE (wait crash/dip) and dare to HOLD LONG LONG, think long term (10 years at least)

Most people are looking at short term. They should look at long term (10 years at least). If they did their shares selection well as per rule 1 above, the next step is to have patience and wait. When the time come, example 2020 March Covid Crash, Reits dip due to interest rates etc, they should be brave and buy! However, many don’t have the guts to buy when come. If even they have, they don’t dare to buy big. even if they dare to buy big, they don’t dare to hold. Additionally, people keep want to wait for lower price and then missed!

Are you behaving the same way as I have described above? I believe most are. Let me share a few rules that I have learnt:

  • Buy only dividend growth companies that I know Fundamental well so that I will not cut loss. Example, companies with yield >5% with net cash, low payout ratio, sustainable business. Or simply buy those big names that could rarely goes wrong in my rule 1 above.
  • Be patience. Do research while waiting.
  • Red buy, green sell. Similar to buy discounted groceries in supermarket.
  • Focus cashflow and certainty.
  • Few cents don’t matter. Can’t always buy at bottom price or sell at top price. Good price just dca buy and keep.
  • Better to put big sum (e.g. 100k) in good companies like MIT MLOG FLCT AREIT PLIFE DBS SGX etc for 10% than 10k in less strong stock for 10% gain.

3. Position size Important and no leverage

Position size important and possibility no leverage if you are not sure what you are doing. You can set for example 5% per counter, then you will have 20 counters. Chances of 20 good shares (if you have followed Rule 1 above) dying at the same time, not paying dividend at the same time is very very low.

This is especially true when portfolio get large, example 1 million and above. One should take less risk and do capital preservation. Why? 1 million at 6% already give you $5k per month (not difficult to get 6% yield with 2% cap gain every year). $5k per month is already a very good salary for most people.

However, people want haste and earn more. In the end, they lose more by putting too much in something which can’t let them sleep well. In the end they cut loss and lose money. Hence, only put the amount that you are comfortable with; that would enable you to sleep well.

4. No earn no sell especially for dividend stock. Keep long term, no stop loss policy because point 1 is followed.

This rule is contrary to what most people would do. No cut loss policy.

If you didn’t do any leverage/plan allocation well (Rule 3) and only buy good stocks that let you sleep well (Rule 1), there is no need for you to cut loss.

Price drop, just hold and collect dividends as Panadols. Throughout the years, treat the dividend (or simply use the Trading around Core Strategy – Rule 5 below) to reduce the average cost of your shares. The worst case is stock goes to zero or in most case, your average cost will be reduced over time.

See my real-life examples of 4 shares that I am holding now. Average price is the price that I have bought. Compared it to Average price – after Divy and Trade around Core. My average cost is reducing every year using dividend or even every few weeks using trading around core.

5. Trading around Core with only Good FA Dividend Reit/Stock

Of course, it is very hard to curb itchy hands. People feel that it is very hard to do nothing. You have to keep buy sell buy sell, especially if you keep seeing the shares of the companies that you are holding are going up and down every day. Hence what can we do? We can use Trading around Core Strategy.

This simply means that you allocate for example 100k to buy Share XXX for 5% yield. One can simply keep DCA down to keep and collect dividend (price goes down, dividend yield goes up). As long as the total amount of share XXX that you are holding doesn’t exceed your allocation (in this case 100k), you can do a trade buy/sell buy/sell 1-2 cents for profits to reduce your average cost.

For example, you plan to allocate 100k to Mapletree Logistics Trust (Mlog). Currently you are holding only 50k worth of Mlog. You can strategise and buy 10000 shares of Mlog at $1.58 and sell at $1.61. Every trade will win you few hundred dollars which you can treat it as lowering your average holding cost of the share. In the worst case, if the price drops below $1.58, it doesn’t matter too, you can just keep it and collect dividend. Do note that this only work if you follow Rule 3 (allocation) and Rule 1 – only applicable to those that you are willing to hold long term and passed your sleep test.

Conclusion

The above are the 5 rules that I would adopt and strictly follow if I am a dividend investor. What are your rules, please feel free to share in the comments below.

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!

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  • Ebooks and other useful resources on enhancing productivity (Investment, Excel, Notion etc). Currently most of it are free at this moment (subject to change).
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9 ways to generate passive income

Posted on by careyourpresent

Passive Income

Passive income is a large part of the world’s economy, so it’s no surprise that there are many ways to generate passive income. Many people also like this idea of passive income which helped you to generate extra cash flow that are more passive in nature. In this blog post, we’ll cover 9 different ways you can earn money without having to work for it yourself.

1 Savings Account/Fixed Income

A savings account is the most common way to generate passive income. You can get interest from a savings account, but you may want to consider opening an online savings account or money market account if you don’t want to deal with paper statements and checks.

To open a regular savings account at a bank:

Check out your local banks. You may be able to open a savings account with as little as $100, but many banks require at least $1,000. Some online banks have lower minimums and don’t charge maintenance fees or other types of fees like brick-and-mortar institutions do.

Treasury Bills/Bonds are also good way to generate more interest.

2 Dividend Stocks

Dividend stocks are companies that pay dividends to their shareholders. Dividends are a portion of a company’s earnings paid out to shareholders, and they can be paid in cash or stock. Dividends can also be reinvested back into the company, which means you get more money for your investment!

Dividend stocks are not as popular as other types of investments like mutual funds or ETFs (exchange-traded funds) as not many are savvy enough to pick the right stocks, but they do have their advantages:

  • You don’t have to worry about market timing because these companies pay out dividends every quarter; this means that there’s less risk involved when you invest in them because it won’t fluctuate wildly like other types do during times when investors panic and sell off their holdings rapidly due to fear or uncertainty surrounding an event happening around them (such as wars).

3 Create an e-book

It’s not always easy to get people to buy a product, but e-books are one way that you can make money from your content. If you have a knowledge or experience that can be packaged into an eBook, consider writing it and selling it online as well as through traditional channels like Amazon and iTunes or even in your own blogs.

In addition to creating something valuable for readers, make sure you write in a way that makes it easy for them to read and value add to them! You want your book to be enjoyable enough so that people finish reading it without having any problems understanding what happened in the ebook.

4 Create a course

If you are passionate about something, teach it! For example, I know how to build websites and make them look good (and I’m not just talking about WordPress), I created a course on how to build websites using WordPress. It’s been really successful because people have been able to take my knowledge and apply it in their own businesses or lives without having any technical background at all.

Create content that will help others as well as yourself: One way of generating passive income is by creating content that will benefit both yourself and others around you – this could be anything from writing articles on topics that interest you personally but also relate back into your own business goals (such as blogging), maintaining social media accounts where relevant information can be found.

5 Write a blog

Blogging is a great way to generate passive income. There are many different types of blogs and each has its own unique purpose. For example, if you’re interested in making money from your blog, then you can possibly create a monetized blog that focuses on affiliate marketing.

If you don’t want to focus on affiliate marketing but instead want to build up an audience for your personal writing style and interests, then another option is starting a lifestyle or personal finance blog where other people will find value in what they write about (for example: recipes).

To start making money from one’s own content via blogging:

  • Write high quality content that relates directly back into the reader’s life experience (this may mean going outside of their box)
  • Be consistent with posting regularly every week/monthly depending upon how fast things move along at work/school etc., usually once per week during off hours especially if there are no interruptions
  • Then you can apply to advertiser like Google Adsense to earn ad income

Get your name out there by commenting on other people’s blogs and leaving links back to your own blog. This is a great way to build relationships with other bloggers and establish yourself as an authority in your niche.

6 Rental Income

  • Rent out your home. If you have a large house or apartment and are looking for cash, it can be lucrative to rent out the space in your house. For overseas, you could also run Airbnb-style apartments if you would like to stay at one location and earn some extra income from the people who visit.
  • Rent out rooms in your house (or other property). If you have extra rooms that aren’t being used at all, consider renting them out.
  • Rent out cars and boats as well as tools such as lawn mowers and trimmers)! Anything can be rented out as long as there are demands for it! All these items can be easily listed on websites eBay.

7 Invest in a REIT

Invest in a REIT. A REIT is a real estate investment trust, which is similar to mutual funds, but with a structure that allows them to pay dividends to shareholders. The most popular type of REITs are those that own apartment buildings and other rental properties, as well as shopping malls and office buildings. They typically invest their money in low-risk debt or high-quality assets (such as residential property) rather than risky stocks or bonds. This can be an attractive option for investors who want exposure to the stock market without taking on any risk themselves—and it’s often much better than investing directly into individual stocks or bonds! In Singapore context, REIT is one of the most popular solution! However, we have to take note of the potential for rights issue.

8 Staking in Cryptocurrency

Staking is a high-risk/high-return investment. If you’re looking to make money, staking is not the best option for you. However, if you want to generate passive income and are willing to take on some risk, then there are many ways that you can earn money through staking via DeFI sites.

9 Affiliate marketing

Affiliate marketing is a process in which you promote other people’s products or services and earn a commission from it. The best way to get started with affiliate marketing is by finding an opportunity that fits your niche, then promoting it on social media platforms like Facebook and Reddit. You can also create content around the topic of the product you are promoting so that people who are interested in buying it will be able to find out more about it through your posts.

Once you’ve found an opportunity that feels right for you, all that remains is promoting! There are many ways of doing this: creating YouTube videos (which we’ll cover later), writing blog posts about how amazing this particular product is…the possibilities are endless! Just remember: if someone else has done most of the work already – then just follow their lead!

Conclusion

In short, there are many ways to generate passive income on your own. You can start by saving some money every month and invest it in the stock market or bonds. If you are not planning on leaving your job anytime soon, then you may want to consider investing in a REIT or rental property instead of a lump sum investment like stocks. These two options will give you a steady stream of income without requiring any managerial skills whatsoever! And lastly – affiliate marketing programs are an excellent way for new internet entrepreneurs looking for extra cash flow while building their brand at the same time!

4 Dividend ETFs that can let you sleep well even in the scary bear market

Posted on by careyourpresent

Dividend Dividend Dividend

Many investors like dividend investing. Most of us will go the through of dividend investing to get passive income or cashflow. Most will pick Dividend Stocks after their own analysis.

What are Dividend Stocks?

Dividend stocks are companies that pay out a portion of their profits to shareholders as a form of distribution. These payments can come in the form of cash, stocks or both.

Dividend stocks pay out dividends based on how much money they make, so they can be good investments if you’re looking for steady returns and don’t mind waiting for them.

However, by picking individual stock, like other investment, there is always the risk of capital loss, or in the worst case where the companies go bankrupt. Thus, another better alternative for those who don’t like to pick individual stock, you can go for Dividend ETF.

What are Dividend ETFs?

ETFs (exchange-traded funds) are mutual funds that trade like stocks on an exchange. They’re designed to track an index like the S&P 500 or Dow Jones Industrial Average by buying all the securities included in those indexes. They hold all these stocks in proportion to their weighting within the index they’re trying to replicate, so they tend to match its performance very closely over time.

Dividend ETFs are a great way to earn passive income. They’re easy to buy, and many of them pay monthly dividends. Some characteristics of Dividend ETFs.

  • Dividend ETFs invest in companies that pay dividends. When you own shares in a dividend ETF, you get paid when the fund makes money from its investments. The income from these investments is called “dividends.”
  • In some cases, the dividends paid out by an individual stock can be reinvested back into the company for more shares. This is called “re-investment.” Dividend ETFs usually allow re-investment of your dividends so that you can buy more shares at lower prices.
  • Dividend ETFs are one of the best ways to invest in the stock market. They’re great for long-term investors who want to earn regular income from their portfolio.
  • Dividend ETFs are a great way to add passive income to your portfolio. They’re also one of the best ways to create a “set it and forget it” investment strategy.
  • Dividend ETFs are similar in nature to index funds, but they’re specifically designed to track the performance of dividend-paying stocks. These funds can help investors achieve a passive income stream without having to rely on individual stocks or mutual funds.

How to pick Dividend ETFs?

The good news is that there are plenty of options when it comes to dividend ETFs. The bad news is that not all dividend ETFs are created equal. If you’re looking to invest in dividend ETFs, please take note of the following:

What kind of dividends do they pay?

The most important factor when selecting a dividend ETF is what kind of dividends it pays out. Some pay quarterly dividends while others pay monthly or even daily distributions. It’s also important to find out how much interest each type will pay and how many shares are required before receiving payments from the fund itself.

Diversification

The first thing you need to consider is diversification. Dividends come from companies within an industry, so it’s important to spread your money around so that if one company has problems, the others can make up for it. For example, if one airline goes bankrupt, all of its investors will suffer from their lack of income until another airline buys them out or starts offering flights where they were previously operating.

Fees

Another factor to consider is fees — specifically management fees and commissions. The management fee is what the company charges each year to manage your money and pay its employees’ salaries. Commissions are extra fees charged by brokers when selling or buying shares; this is usually less than $10 per trade but can add up over time if you’re making dozens of trades every month

4 Dividend ETFs that can let you sleep well even in the scary bear market

Let’s go to the main gist of this article – 4 Dividend ETFs that can let you sleep well even in the scary bear market.

Vanguard FTSE All-World UCITS ETF (USD) – VWRD

https://www.vanguardmexico.com/en/products/financial-products/equity-etf/VWRD
https://www.vanguardmexico.com/en/products/financial-products/equity-etf/VWRD

Characteristics of this ETF (Source):

  • Fund Manager: Vanguard
  • Listed: London
  • Number of Stocks Held: 3754
  • Methodology:
    • The Fund employs a passive management – or indexing – investment approach, through physical acquisition of securities, and seeks to track the performance of the performance of the FTSE All-World Index (the “Index”).
    • The Index is comprised of large and mid-sized company stocks in developed and emerging markets.
    • The Fund attempts to: 1. Track the performance of the Index by investing in a representative sample of Index constituent securities. 2. Remain fully invested except in extraordinary market, political or similar conditions.
  • Expense Ratio: 0.22%
  • Distribution Frequency: Quarterly
  • Distribution Yield: 2.2%
  • Remarks by Careyourpresent: This ETFs hold thousands of stocks over the world which will let you sleep well at night. Typically, people will hold this is a world ETF under the popular index investing methodology. You will get both growth and yield (but low yield) at the same time. However, one key disadvantage is this that although this ETF is termed as “All World Index” but this fund actually is tilted towards the western economics which you can see from the chart above.

Vanguard FTSE All-World High Dividend Yield UCITS ETF (USD) – VHYD

https://www.vanguardmexico.com/en/products/financial-products/equity-etf/VHYD
https://www.vanguardmexico.com/en/products/financial-products/equity-etf/VHYD

Characteristics of this ETF (Source):

  • Fund Manager: Vanguard
  • Listed: London
  • Number of Stocks Held: 1804
  • Methodology:
    • The Fund employs a passive management – or indexing – investment approach, through physical acquisition of securities, and seeks to track the performance of the FTSE All-World High Dividend Yield Index (the “Index”).
    • The Index is comprised of large and mid-sized company stocks, excluding real estate trusts, in developed and emerging markets that pay dividends that are generally higher than average.
    • The Fund attempts to: 1. Track the performance of the Index by investing in a representative sample of Index constituent securities. 2. Remain fully invested except in extraordinary market, political or similar conditions.
  • Expense Ratio: 0.29%
  • Distribution Frequency: Quarterly
  • Distribution Yield: 4.1%
  • Remarks by Careyourpresent: This ETFs hold thousands of stocks over the world which will let you sleep well at night (lesser than VWRD but still holds lot of shares). You will get some growth but with lesser yield at the same time as this ETFs hold stocks with higher yields. However, one key disadvantage is this that although this ETF is termed as “All World Index” but this fund actually is also tilted towards the western economics which you can see from the chart above.

iShares MSCI World Quality Dividend ESG UCITS ETF (USD) – WQDV

https://www.google.com/finance/quote/WQDV:LON?hl=en&window=MAX
/https://www.ishares.com/uk/individual/en/products/288147/ishares-msci-world-quality-dividend-ucits-etf?switchLocale=y&siteEntryPassthrough=true#/

Characteristics of this ETF (Source):

  • Fund Manager: Blackrock
  • Listed: London
  • Number of Stocks Held: 164
  • Methodology:
    • The Fund aims to achieve a return on your investment, through a combination of capital growth and income, which reflects the return of the MSCI World High Dividend Yield ESG Reduced Carbon Target Select Index.
    • On 1st June 2022, the benchmark changed from MSCI World High Dividend Yield Index to MSCI World High Dividend Yield ESG Reduced Carbon Target Select Index. The change will be reflected in the benchmark data.
  • Expense Ratio: 0.38%
  • Distribution Frequency: Semi-Annual
  • Distribution Yield: 2.9%
  • Remarks by Careyourpresent: This ETFs used to hold thousands of stocks over the world which will let you sleep well at night. However, as of 1 Jun 2022, the benchmark index has changed and now it only hold 164 stocks. I used to like this ETF very much, but this has become much lower on my list due to lower diversification and lower yield.

iShares Core MSCI EM IMI UCITS ETF (USD) – EIMU

https://www.google.com/finance/quote/EIMU:LON?hl=en&window=MAX
https://www.ishares.com/uk/individual/en/products/295689/ishares-core-msci-em-imi-ucits-etf
https://www.ishares.com/uk/individual/en/products/295689/ishares-core-msci-em-imi-ucits-etf

Characteristics of this ETF (Source):

  • Fund Manager: Blackrock
  • Listed: London
  • Number of Stocks Held: 3126
  • Methodology:
    • Exposure to over 2,800 large-, mid- and small-cap emerging markets companies
    • Entire market exposure means not missing out on potential growth surprises from often overlooked smaller companies
    • Use at the core of a portfolio to seek long-term growth
  • Expense Ratio: 0.18%
  • Distribution Frequency: Semi-Annual
  • Distribution Yield: 3.12%
  • Remarks by Careyourpresent: This ETFs hold 3126 stocks from the emerging markets companies. For those who are keen on emerging markets can consider this. You will get some growth but some yield at the same time. One key risk is the delisting/removal of some of the stock’s holdings in the emerging markets by iShares due to political issues.

Dividend Index Investing

For the above 4 ETFs that I have shared, they are also commonly used by investors in SG markets as part of their index investing. However, do note that for most index investors, usually they would buy the non-distributing version (VWRA, IWDA, EIMU, ISAC etc) so that they would not need to reinvest the dividends since the ETFs do it automatically for them.

For dividend Index investors who want low expense ratio, diversification, lesser withholding tax (10% for LON ETFs) as compared to buy US ETFs directly, peace of mind with some growth and yields, the above are ideal choices for them.

Of course, there are many are dividend ETFs which are good too (such as ASDV, VDC, VAS, NOBL etc which are in my watchlist). Perhaps I will share them in another article in future.

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 🙂