Time flies, it’s the end of the year 2024 again.
Personal Updates
Move House and renovation
I haven’t been blogging much this year as I am busying selling my old flat and buying new flat. Both are HDB flats, and yes, I didn’t succumb to the CONDO dream of Singaporean.
On 22 Nov 2024 (Friday), I have officially moved into my new flat in Tengah and officially sold my old flat on 1 Nov 2024 (Friday).
The renovation really cost a bomb to me ~ about $45k excluding furnishing. If all in, maybe around $50k for this year!
I have also done lots of online shopping via shopee and tabo and I thought I should share these good buy with my readers. Unconsciously, I have become Platinum member of shopee. LOL!
https://collshp.com/careyourlobang
Debt Free
And finally on 22 Nov 2024, I have declared myself debt free. Likely I won’t shift again, shift house is too troublesome, unpacking, packing and renovation. Headache!
This is likely the last home until my last day on Earth.
Health
We always forget Health is Your Most Valuable Asset – But human only regret after they lost it and like to Trading a Guaranteed Today with an Uncertain Tomorrow. But what if later never come?
Generally my health has been good for the past few months. However, I can feel that I am getting old.
Starting to grow white moustaches, likely no white hair year. I used to have lots of energy but my energy level is getting lower. Easier to get tired but yet couldn’t sleep much. I can sleep at 1-2am but still work up at 6am plus, latest 7am in the morning. Sign of oldness…
Family
It’s been close to 2 years since my Mum passing on Jan 2023. My dad health is not getting well too. He got cancer previously and recovered, but now the cancer markers are getting higher and just went back for a scan. Hope for the best.
My kids are now 9 amd 6 years old. As of 2025, they will be Primary 4 and Primary respectively. Time really flies, The days are long but the years are short.
Reflection
I went to read back my past articles and do some reflection.
It might really be the time to slow down. There are only things which you can see when you slow down.
I tend to forget that I am 41 years old this year. If I am lucky, I still have slightly less than half of my life time till 80 years old. If not, I have already lived and left with less than half of my life.
But I always find myself hard to slow down. It’s in my character. If slow too down, but I dont know what I can do and feel bored. But is this really the life that I want?
On 26 July 2024 this year, I did a reflection. Let’s see how I fare today 19 Dec 2024.
Wealth
If we talks about the traditional initial withdrawal rate for my family spendings, it’s 3.11% (exclude CPF). If we talk about cashflow from interest and dividends, its about 1.3x of spendings or 0.98x if we assume 30% cut in interests and dividends (excluding CPF which already hit both FRS in SA and max MA for both my spouse and I, with about 120k in CPF OA in total, house fully paid).
Shall I slow down and relax to catch the last few precious years where my kids really need me?
Deal 1:
Interest rates are getting lower everywhere and there are usually many hoops to jump to get higher rate such as OCBC 360 and UOB ONE!
Consider Maribank, one of the fuss free and give you 2.28% daily without any conditions! Interest is credited daily!
For short period only, earn up to 3.48% p.a. on the first S$50k when you join the MariBank May 2025 Save and Invest Promotion!
Sign up for MariBank using my referral code: 2KGZ29UL.
https://www.maribank.sg/product/mari-savings-account/
Insured up to S$100k by SDIC.
Deal 2:
Best Items that I have bought from Shopee.
ONLY the best useful worthy items
Many people I realised that they have only shared things that give them the most commissions. I am different. I will only share things that I have bought, used and found it to be good.
Deal 3:
Webull – Get free money!
Good deal! Do not miss this! Sign up here now for free money!!
Deal 4:
Trust Bank New Clients
- Sign up using referral code KNDBPEPT. Key in this code after you download the Trust Bank App from Trust Bank Website
- No minimum balance account and but great interest rate
- No foreign transaction fee, great exchange rates when overseas. See my review via Trust Card – Excellent Card for overseas usage.
Deal 5:
FSMone – Cheap Comms and can transfer your shares to Personal/Joint CDP for Free
I am using FSMOne.com to invest in funds & ETFs (including money market funds). FSM is good due to the low comms and the free transfer from FSMOne to CDP (typically takes less than a week to transfer). If you do not have an account, you can sign up here. Please use my FSMOne referral code: P0413007.
- You can read my experience of how I buy cheaply using FSMOne and then transfer my shares to Joint CDP within few days via $0 Free of Charge Transfer of SGX Shares from FSM to CDP and updates! – Done in less than 3 days!
- I am also using FSMOne as part of my Estate Planning Plan. You can read about this via Simplified Guide to the Key Gist of Grant of Probate and Estate Planning
Deal 6:
Eskimo – Best Option for Roaming!
For now, you can get 500MB for free just by signing up with my referral link, no purchase required (I get 500MB only too, but only if you buy a paid plan). Referral code: CHING104915
You can read my review here.
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- Ultimate Free 2 Days Reit MasterClass: Exclusive at Careyourpresent.com
Money just buy you the chance of freedom but can’t buy back time. In life, there is no reset button. Time is limited but money is not.
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 (your strong health, time with young child) while busying striking out in career.
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.
Love your life daily. You have one less day with your spouse, parents, children and yourself. Time is ticking away.
Focusing Careyourpresent & living a fulfilling life by supercharging your mind & investment/online income. Careyourpresent Series focus on things that one MUST know in their Life.
- Embracing the Transience: Life Is Short
- Are you one of them?
- Three Pictures to change your Life and Mind
- Live in Present is not easy
- 小时候，幸福很简单。长大了，简单很幸福。
- The Best Advice to Parents and Child
- What if Later never come?
- What will you bring with you on your last day on Earth?
- Time is the ultimate currency, not money
- Our Life only have 5 short Days – we should live the best for every day
- Truly understand Living in the Moment now
- 11 Important Unexpected Life and Money lessons to learn from Your Children
- The days are long but the years are short
- Ditch your mobile phone to build real life
- Careyourpresent: Time is the most important
- Careyourpresent: What is your purpose of life?
- Careyourpresent : Greatest Regrets in life
- Careyourpresent : You might not believe it. It’s little unexpected things that make up a real life
- Careyourpresent: Something only happen once in life, if you missed it, it’s gone forever…
- Careyourpresent : Why is Gold useful?
- Careyourpresent: Frozen. Let it go!
More articles can be found here.
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