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Tag: Side Hustle

Trust Card – Excellent Card for overseas usage

Posted on by careyourpresent

Currently is June Holiday and many including me went overseas for the past few days. It is literally overseas as I went to Legoland Malaysia for the past few days. I did what most people did, went to money exchanger and swap SGD for Ringgit when the news articles post great rates of 3.43 during the last weekend! But there is better option out there!

Disappointment

However, to my disappointment. The money exchanger gave me the rate of 3.395 last Saturday on 10 Jun 2023 although many news articles everywhere posted that the rate is 3.43! Why! As a backup, usually I would also bring along some credit cards + ATM that allowed me to withdraw money overseas! This prompted me to do some research.

Spending in Foreign Currency

With this, this came to the next questions of:

“What are the fees involved when transacting in overseas currency?”

Two things that came to my mind:

  1. A foreign currency (FX) spread – “hidden” fee in addition to the underlying exchange rate. It’s the spread that the financial institutions will earn from you, in another word, a lousy exchange rate.
  2. Foreign Currency Conversion (FCY) fees – whereby we are charged a percentage of the value we intend to exchange by the financial institution.

After some research, it came to my attention that most of your favourite banks, like OCBC, UOB, DBS, Standard Chartered, Citibank, HSBC, Maybank, CIMB etc all charge a hefty fee of 3% to 3.5%. This means that if you spend $100, you need to pay additional $3 in addition to the hidden spread that I have mentioned above.

What other options are there?

If one did their proper research, most would resort to Youtrip, Revolut etc. But all these cards are pre-paid card which means that one need to top up the cards using your cash/other cards in advance first. The exchange rates are quite decent, better than banks – which addresses point 1 above. There is no issue for point 2 too since there wouldn’t be additional charges. However, if you withdraw money from overseas, there is ATM withdrawal fees which is not ideal.

Safety

I am not sure about others. But for me safety and contingency plan is utmost important to me when I go overseas. This means that I need to have access to fund via ATM withdrawal or by means of credit cards. Additionally, I would like to activate as little number of cards as possible when overseas to reduce the chance of lost card or fraud! Hence, I need only ONE Card that will serve me well.

After more research, the solution is from a card/digital bank that I already owned! – TRUST BANK, TRUST CARD!

Trust Bank/Trust Card

If you go to the Trust Bank website, it directly solved point 1 above! Look at the screenshots that I have taken from Trust Bank website, I thought this card is great but I am still suspicious how true the claim that the exchange rates are near what you see on Google.

https://trustbank.sg/great-exchange-rates/

Furthermore, there is no foreign currency conversion fee. But strangely, this is a digital bank by FairPrice Group with Standard Chartered Bank (SCB). SCB definitely charge your foreign currency exchange rate and they will give poor exchange rate to earn from the spread. But why their digital Trust Bank can give such good things?

Furthermore, this is a numberless card and you can easily lock the card to prevent fraud. Is it really such good card?


https://trustbank.sg/great-exchange-rates/
https://trustbank.sg/great-exchange-rates/https://trustbank.sg/great-exchange-rates/

Doing is more Real rather than seeing

As a result, I decided to give it a try and let me show you – Pictures speak a thousand words! Let me show you the real transactions which I did.

Look at the rate and transaction above! The rate that I was given was 3.42 to 3.43! Better than money exchanger with no foreign currency transaction fee! The rate is really near Google exchange rate…I can also lock the card after each transaction overseas to prevent possibility of any fraud.

Withdrawal of Money in overseas ATM

Usually, I don’t like to give review for the sake of review. Instead, I like to provide value and show what I really did (such as the true screenshot of my transactions above). But when I was in Legoland, everything can be paid by Visa (very tourist area nowadays) and I have enough ringgit too since I have exchanged it earlier at 339.5 🙁 Hence, I didn’t get the chance to withdraw the money to really test it out!

However, based on what I have researched online, there is no withdrawal fee but please paired it with Debit Card such that the funds withdrawn in foreign currency is from your deposit account with Trust (of course make sure you put some money inside). If you withdraw your fund from overseas ATM in credit card mode, there will be the usual cash advance fee for credit card! Please take note!

But one negative point about this card is that you won’t earn points/rewards if you spend in foreign currency as compared to using other credit cards. However, the points/rewards that you have earned from these transactions from your usual credit card likely won’t be able to offset the extra amount (foreign currency conversion fee + spread) that you have paid.

Update on Oct 2023:

I did an atm withdrawal using Debit Card in Bukit Indah Aeon Mall during my short trip. There is no withdrawal fee, and the rate is better than those money exchanger in Singapore.

Sign

For those that don’t have Trust bank/Trust Card and will be going overseas, do consider signing up.

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 my referral code: KNDBPEPT. You will earn $10 NTUC voucher too! Free Money why not?

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 🙂

Unlocking Extra Income: Side income updates

Posted on by careyourpresent

In today’s high interest rate volatile world with raising inflation/cost of living, finding ways to supplement your primary income has become increasingly important. Whether you’re looking to pay off debt, save for a dream vacation, or simply increase your financial security etc, unlocking extra income through side hustles can be a game-changer.

I still remembered chicken rice, cai png etc cost only $2 years ago, not per meal easily cost $4 and above. Everyone really need to find ways to get extra income, even a small amount will help. Side hustles are one of the things that I have been doing. I have been sharing about my side hustles for the past months. Guess now is a good time for an update.

1. Dividend/Interest Income

This is not really side hustle, but this my side income. My dividend / Interest income is about $3k per month. Continue to slowly accumulate good shares if reaches my target price.

However, sadly, as per what I have mentioned in this article earlier (Ultimate Strategy of buying REITS: XXX instead of X000?) no more free dividend for MapletreePanAsia Com Tr and Mapletree Industrial Trust but this means chance to accumulate more cheaper shares of good companies (I mean Mapletree Industrial Trust, not MapletreePanAsia Com Tr).

Cheap can get cheaper, see Manulife and Prime Reit? From billion marketcap to millions marketcap, price keep going down. DPU sure cut, even based on past yield, it can be 20%+, who would dare to buy?

2 years chart from InvestingNote
2 years chart from InvestingNote

Ultimately, dividend investing is for the long term, as long as you vested in good companies, the fluctuation of the price of its shares doesn’t matter much as long it still give decent sustainable dividends in the long run.

2. Rakuten Insight Surveys

I have shared about this interesting side hustle on 10 Feb 2023 (See post: Side Hustle Review – update on how much I have earned after 4 months – Rakuten Insight Surveys). For transparency and responsibility to my readers, let me provide some updates regarding this side hustle.

For those who heard of this for the first time, let me share a little more again.

Rakuten Insight Surveys is a survey website that pays you to complete surveys. You can earn money by completing surveys on your phone or computer, and there are plenty of them available! I started this survey side gig few months ago around Nov 2023. There are a couple of surveys every few days after you have created your profile.

With a little effort, you can start earning money simply by sharing your opinions. I’m going to share how much I have earned so far from using Rakuten Insight Surveys based on fulfillment date.

In total by the end of May I would have earned $100! Not too bad!

Dec, Jan Feb = $30
March = $15
April = $25
May = $30

3. WeBull Brokerage

I know I have been naggy and keep talking about WeBull promotion previously but usually I won’t not give up on good deals, especially for my beloved readers.

I have signed up and drawn 5 shares of Tesla which now I have $75.16 in my account using 1 cent only!

Screen captured from my app

Besides the welcome referral programme that that I shared before via previous fund 1 CENT to get free money, there are now lucky draws for new signs up under their Anniversary Promotion! There are 10 weekly winners for US$888 worth of Telsa Shares and 1 lucky winner of 1 Tesla Model 3 Car.

Only 4 Simple Steps to get free money and a very decent brokerage account

Step 1: Registration

Click here to register a new account.
You can refer to the full details via this article (Webull New Offer: Use S$0.01 to earn US$50 to US$500 and chance to win Tesla Model 3 Car)

4. Moomoo Cashplus

This is one of the brokerage that I have used to earn cash using idling cash. For more information, please read

Moomoo – One Stop Platform for US, SG, HK stocks and a great higher yield alternative to Singapore Saving Bonds using Moomoo Cash Plus!

Summary!

Overall, my main side income still from dividend and interest incomes which come up to about $3k per month with about $xxx from some side hustles from brokerages promotions and doing surveys! Not too shabby! I will continue to build more side incomes. There are so many retrenchment around, who know if you will be the next one? Always good to has income from your non-main job.

Most importantly, don’t forget this!!

Time is the ultimate currency, not money

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 🙂

Side Hustle Review – update on how much I have earned after 4 months – Rakuten Insight Surveys

Posted on by careyourpresent

Rakuten Insight Surveys

I have shared about this interesting side hustle on 10 Feb 2023 (See post: Side Hustle Review on how much I have earned – Rakuten Insight Surveys). For transparency and responsibility to my readers, let me provide some updates regarding this side hustle.

For those who heard of this for the first time, let me share a little more again.

Rakuten Insight Surveys is a survey website that pays you to complete surveys. You can earn money by completing surveys on your phone or computer, and there are plenty of them available! I started this survey side gig few months ago around Nov 2023. There are a couple of surveys every few days after you have created your profile.

With a little effort, you can start earning money simply by sharing your opinions. I’m going to share my experiences with you, explain what I’ve seen and how much I have earned so far from using Rakuten Insight Surveys.

It’s easy to use and I have never had any problems with it. You can set up your account in just a few minutes, and then they send you surveys through email that you answer within 24 hours (or they will send you another one). The surveys take only 5-10 minutes of your time, but do they pay well?

About Rakuten Insight Surveys – How much I have earned after 4 months?

Pictures speak thousands of words. Let me share screenshots.

Hence, how much did I earn? I have collected $30 worth of eCapitaVoucher with incoming $25 worth of eCapitalVoucher. Hence it means about $55 for 4 months of surveys! This mean $13.75 per month.

I have been changing the points for eCapitaVoucher (the voucher exchange rate is 75 points for S$75). For each survey that you have completed, you will get between 1 to 25 points. Of course you can exchange it with groceries/grab vouchers if you like. I use eCapitaVoucher because I can simply add it to my Capitastar App with 1 year expiry. I like to keep things simple.

Current Points

One point to highlight that some of the points take some time to be credited. Hence, users need to exercise some patience.

My current outstanding point in my account is 69 (see screenshot below) with many points still under Tabulating. Hence, the actual amount should be more than $55 for 4 months of surveys from Rakuten Insight Surveys but I can’t determine the exact amount at this point of time!

Worth it?

Personally, I feel that it is worth it.

It’s a great way to earn extra money on the side, and it only takes about few minutes per day or every few days (I didn’t get surveys every day). I highly recommend this app if you’re looking for something new or just want to make some extra cash every month.

Do sign up Rakuten Insight Surveys if you are keen to earn some money on the side! It’s not tremendous amount of money, but in this world with high inflation, every small money helps!

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 🙂

Side Hustle: Google AdSense’s earnings for 1 week and is it worth to start a blog?

Posted on by careyourpresent

Why blogging?

Many people started a blog usually with a purpose on sharing something which they are passionate about. Of course, there are many other reasons on why people blog. Some simply want to earn money which is absolutely correct too.

For me, there are many reason(s) on why I started blogging after quitting blogging for years in Dec 2014. Main reason is my son was born in 2015 and my work life was getting too busy at that time to continue blogging consistently. Haha, this is my last blog if you are interested. For those early Singapore finance bloggers who still remembered me, please say hi in the comments below 🙂

Objective 1&2: Finance Journey + Care Your Present

For my case, I would like to share my Finance Journey as well as how I learnt and grow on the path of “Care Your Present“. Take for example, I have moved on from understanding living the moment (see: Most Powerful Way to Live in the Moment) to really truly practicing it (see: Truly understand Living in the Moment now).

Objective 3: Reflection of Own Life Journey

Blogging also gives me a platform to reflect my own life journey (see: Portfolio Update: Feb 2023 and Reflection at half-life (hopefully) mark – 40 Years old) which I can refer back anytime, read and understand /reflect/reminisce how I felt that time when I wrote each article, especially months or years later.

Objective 4: As a Legacy

This site also allowed me to record my personal life story (see: Farewell Mum. You are always in my mind) that I can always go back and refer too or simply keep it as a legacy for my kids.

Maybe in future (hopefully decades later) when I passed on, this blog will be a legacy for my kids to read and understand how their father felt while they were growing up.

Hopefully also one day will be how their mother felt when they are growing up (I am still trying to chip in my wife’s help to write some articles on Care Your Present, hope that she will agree).

Practicality of Blogging

Of course, another objective which most bloggers have or those who plan to start a blog is to earn something – it can be referral fees from some services that they are using (Special thanks to those who have used my MoneyOwl Referral and Trust Bank Referral) or even simple advertisement fees. For me, ideally, I hope that it will at least cover my hosting and domain cost.

One of the users brought up a question on how much I am paying for my domain + website hosting in my last post on Side Hustle: Google Adsense finally approved!, I have shared in my reply that it cost me about SGD$135 for 4 years of hosting with Hottinger and SGD$14 per year for domain fees.

Other Options

Of course, there are other options such as Bloggers.com, WordPress.com, but those are not ideal to me as I can’t have an unique domain name, which in my case is “Care Your Present”. I strongly believe in this motto, wanted to remind myself to practice and share how I did it. You can read more about my story via the About page. Furthermore, the functionality (e.g Plugins) are very limited for these free blogging options as compared to self-hosting via WordPress.org.

Google Adsense Earnings for the week

As shared in my previous article on Side Hustle: Google Adsense finally approved!, my Google adsense’s account was approved last Saturday on 18 Feb 2023. It has just nice been a week.

I noticed that we seldom have bloggers openly sharing their earnings in their blogs to the Public. Perhaps people are more conservative or would like to have more privacy. However, for me, I decided to be transparent and share it to the Public so that in case anyone want to start a blog or have already started a blog can really see if it is really worth it to cover the cost of blogging (monetary vs efforts put in).

Within 1 week since last Saturday, I have published 3 Articles.

Below screenshot is how much I have earned from Google Adsense for this week – SGD$4.25! Barely enough for a meal in food court. For these three articles, I have put in about 4-5 hours. Worth it?

Judge for yourself 🙂

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 🙂

Side Hustle: Google Adsense finally approved!

Posted on by careyourpresent

Side Hustle

I have been sharing about side hustle in my articles recently. In this ever-changing volatile world, it is good to have additional income. In my article on Side Hustle Review on how much I have earned – Rakuten Insight Surveys, I have shared how much I have earned from doing surveys. Another common income that we can get is blogging income. Of course, this is difficult compared to the hours that need to put in.

However, my main objective of this site is not to get ad income. It is a good to have and of course a bonus for me. My main objective is to share my views and knowledge to the world and as platform to record my own thoughts. I hope people will not make the same mistakes that I have made in my investing careers as well as in life.

Some of the articles that I myself have read a couple of times to remind myself that I must lead a fulfilling life recently are Farewell Mum. You are always in my mind and Truly understand Living in the Moment now.

Anyway, in this article, I will share a bit more about Google Adsense and my application process.

Photo by Garrhet Sampson on Unsplash

Background

A little background about me. I was a financial blogger 10 plus years ago but stopped blogging after I became busy with works and newborns. I still vivid remembered chatting actively with AK71, Bullythebear etc previously. It was a fun period, but life goes on.

In March 2022, I decided to start blogging again to share my views of the financial world as well as sharing about Care Your Present which I realized that many people are missing out this important part in the journey to pursuit more and more wealth.

Previously I was using blogger.com but I realized that WordPress are getting lots of traction, hence I decided to start this site using wordpress.com in March 2022. I have actually paid for the careyourpresent.com domain with WordPress.com but I realized that WordPress.com only allowed redirection of domain instead of pointing to the direct domain unless I purchased their plans. Additionally, I can’t install plugins.

After writing and blogging for few months and some research, I realized that it is better for me to move to wordpress.org. Better to pay for self-hosting and domain such that I can have more functionality and the options to install plugins.

Hence, on 28 November 2022, I have moved my site from wordpress.com to the current site with wordpress.org. For those who are interested, you can read New Life – Reborn of The Careyourpresent Site.

Ad Income

Since hosting and domains cost money, I thought that I can apply for Google Adsense for some ad income to cover the cost too. I understand that the income will be very small as compared to the effort (hours) put in to write the articles, but it is better than nothing. It’s always good to cover some cost!

Short Review about Google Adsense

In case you are not aware of what is Google Adsense. Let me share a bit about it.

Google AdSense is an advertising network. The AdSense program allows monetization of website content, which means you earn money when someone clicks on the links on your site, not when they buy something from the other site.

The Ads that appear on Google AdSense are targeted with keywords so that they are relevant to your site’s content, which means they will always be relevant and never look spammy or annoying. You don’t have to sell products or services on your site; instead, the ads will generate income for you.

Why Google Adsense?

There are many advertising companies in the market but why did I choose Google Adsense?

Firstly, as a newbie to web hosting and advertising, this is one of the most common platforms that I have heard of. I have read up on some other companies but the pageviews are too high for my case. I must continue to work hard and write good articles. Of course, I have tried to apply to other companies too, maybe I will share more in future after I get my approval.

The application process

After migrated my site over on 28 November 2022, I went on to apply Google Adsense. I tried a few times since December 2022 but keep getting rejection with the reason(s) given mostly as low value content, violation of some contents etc.

However, I just continue to write and never give up. I reviewed my contents and make sure the contents are unique and of high quality. After searching online, I realized that the site needs to put up privacy and disclaimer policies, about us, contact information clearly etc. Each article should be around 1000 to 1500 words.

On 17 Feb 2023, I reapplied again and finally on 18 Feb 2023, I got this!

Conclusion

This is a relatively shorter post. Usually, I would write least 1000 words and above, but this article is only close to 1000. However, I just wanted to be transparent and let readers know that I have applied and obtained approval from Google Adsense. That’s why you started seeing Ads in this site few days ago. Please continue to visit my site. I hope the contents are useful to you. Do comments and share your views too.

Anyway since Saturday, to be utmost transparent, the ad income is 4c. It’s a good start although far way lesser than my daily dividend/other income.

Lastly, I hope to end this post saying that we should live every day to the best of our life and stay positive. Please live as though every day is your last.

Market will start to get volatile, stay safe and be 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 🙂

Side Hustle Review on how much I have earned – Rakuten Insight Surveys

Posted on by careyourpresent

Introduction

I have been sharing on earning income other than your typical 9 to 5 income. One of the ways that I have shared before is doing online surveys. I shall keep this post short and sweet and share with people how much they could earn with surveys.

With the rise of the gig economy, it’s never been easier to earn extra income from the comfort of your own home. One popular option is completing online surveys, which can be a great way to supplement your main source of income. With a little effort, you can start earning money simply by sharing your opinions. I’m going to share my experiences with you, explain what I’ve seen and how much I have earned so far from using Rakuten Insight Surveys.

I’ve been using Rakuten Insight Survey for a few months now, and I love it!

Rakuten Insight Surveys is a survey website that pays you to complete surveys. You can earn money by completing surveys on your phone or computer, and there are plenty of them available! I started this survey side gig few months ago around Nov 2023. There are a couple of surveys every few days after you have created your profile.

I’ve been using Rakuten Insight Survey for a few months now, and I love it!

It’s easy to use and I have never had any problems with it. You can set up your account in just a few minutes, and then they send you surveys through email that you answer within 24 hours (or they will send you another one). The surveys take only 5-10 minutes of your time, but do they pay well?

About Rakuten Insight Surveys – How much I have earned?

I started this side gig around Nov 2023, hence it has been around 3 months. There are a couple of surveys every few days. How much I have earned? You can see the screenshots below – total $35 for 3 months. I have been changing the points for eCapitaVoucher (S$5 with 75 points). For each survey that you do, you will get between 1 to 25 points. Of couse you can exchange it with groceries/grab vouchers if you like. I use eCapitaVoucher because I can simply add it to my Capitastar App with 1 year expiry. I like to keep things simple 🙂

Worth it? Yes! I think so, the efforts are minimal and extra money why not? I always do these surveys leisurely when I am free. Some money from minimal efforts!

A Few Things You Should Know Before You Get Started

Before you get started, there are a few things you should know:

  • You need to be 18 years old to participate in this survey.
  • You will need a Rakuten account (if you don’t already have one) and an internet connection. If you don’t have a smartphone, no worries! The surveys can be completed on the desktop version of Rakuten Insight Surveys as well.
  • The surveys are conducted via text message or email depending on which option is available for each survey. You’ll receive instructions about how much time is required for each survey after logging into your account.

Conclusion

I love Rakuten Insight Surveys! It’s a great way to earn extra money on the side, and it only takes about 10 minutes per day. I highly recommend this app if you’re looking for something new or just want to make some extra cash every month.

Do sign up Rakuten Insight Surveys if you are keen to earn some money on the side! It’s not tremendous amount of money, but in this world with high inflation, every small money helps!