Category: Random

Another Ang Pow Promotion for Grabs – Limited

On By RistrettzIn Alternative Income, Deals, Finance, New Ideas, Personal Finance Series, RandomLeave a comment

Chinese New Year is around the corner and there seem to be multiple promotions during the festive period. I hope everyone has a great new year and I do have something that I would like to share with you. These deals are kind of hard to come by and they depend on festive, promotions and company budgets. While some people might have stability in their lives, some don’t, and let’s make that simple and happy this 2024. I have another CNY Ang Pow Promotion that I would like to offer to anyone interested.

This article is brought to you via the Life Journey Blog Affiliate Partnership with Moomoo.

This special promotion is brought to you via the Moomoo Futu Trading app. If you use a normal referral code that gives you $660 in the welcome package. By using my unique link here Sign Up link, you get an additional $20 cash voucher by funding just S$100 on top of the welcome package that I have put below. The threshold is really low here.

Another Ang Pow
Moo Moo is licensed by MAS

The process is as follows:

For clarity:

a. Click on the signup link here to Open Account. Sign up and submit your details

b. Using any of the 4 deposit methods

  1. Deposit via Direct Debit – DDA
  2. Bank Transfer (Add  MooMoo as the payee)
  3. PayNow
  4. Transfer via Wise (Another payment App)

c. Transfer or Fund SGD 100 and wait for your rewards. That’s a 20% Return on Investment (ROI) that is risk-free.

d. (Something special) – The first 10 who have completed the signup and funding. Put in your details here: Contact List so that I can give you a little Ang Pow of S$5 for your efforts once I have verified the sign-up is complete. My only request is that you join my telegram group at Life Journey Telegram.

Those who already have the Moomoo accounts would have been long-time deal hunters so this is specially done for all of you who don’t have a lot of funds to play around to get some cash using limited resources.

Campaign Period

The campaign will commence from 2/11/2023 at 10:00PM SGT – 23/1/2024 at 9:59PM SGT** (“Campaign Period”).

Eligibility for Activity Participation

New users who have never opened a Moomoo SG universal account and/or deposited funds before 10:00PM SGT on 2/11/2023.

Activity Summary

When new users complete tasks, they can get corresponding rewards, such as free stock/ cash coupons and free real-time quotes.

As I mentioned earlier, this is for you only. Only when you use this link here Sign Up here and Fund $100 to get an additional $20 (Until 23 Jan 2024 only) and deposit S$100, you will receive an additional S$20 cash coupon from Moomoo. Treat that as a special treat.

Welcome Rewards worth up to S$660 (New Users)

Task Rewards
Successfully opened Moomoo SG universal account Reward 1

(i) Lifetime commission-free in the U.S. stock market*

(ii)  Free Level 2 US stock market data

(iii) (iii) Limited time access to free Level 2 SG Market Data (worth $20/month). Effective till 31st March 2024

(iv) Free Level 1 China A-share market data

(v) Free Level 1 Hong Kong market data

(vi) 1 Year commission-free for SG market (includes only stocks, ETFs and REITs)

(vii) Moomoo Cash Plus 5.8% p.a. Guaranteed Returns worth up to S$380 (Applicable to the first S$80K subscription, valid for 30 days only)
Deposit a cumulative amount of at least S$3,000 before 23/1/2024 at 9:59 PM, complete 3 cumulative buy trades and redeem rewards before 9:59PM SGT on 30/1/2024. Maintain assets for 30 days. Reward 2

(i) Receive 1 x Stock Bundle#: AAPL, NVDA TSLA, SE, NIO (worth S$70)
Deposit a cumulative amount of at least S$10,000 before 23/1/2024 at 9:59 PM, complete 8 cumulative buy trades and complete buy trades and redeem rewards before 9:59PM SGT on 30/1/2024. Maintain assets for 90 days. Reward 3

(i) Receive 3 x Stock Bundle#: AAPL, NVDA TSLA, SE, NIO (worth S$210)

Who is Moomoo?

Backed by Chinese tech giant Tencent, Moomoo makes trading accessible with a gamified, easy-to-use interface.

Disclaimer

If you like what you are seeing, do remember to check them out and do your diligence. There is no one-size-fits-all investment strategy and no one solution to life. Join my telegram group to find out more about deals and join the community to connect for ideas: Life Journey Telegram

By using my unique link here Sign Up link, you get an additional $20 cash voucher. The first 10 in my google forms get additional Ang Pow after verification.

If you like what I am sharing or if it resonates with you, do use my referral codes here at Referral Services

Petrol Prices – Ways to Save Money On Petrol/Diesel

On By RistrettzIn Interest, New Ideas, Personal Finance Series, Promotion, Random, Wealth & HealthLeave a comment

Just earlier today. I wrote a piece about saving money and I was reminded of petrol prices. Stay tuned until the end for a nice freebie at the end which is in limited stock.

Sometimes saving money is about not spending it at all or cutting back on what we commonly call an austerity measure. Usually, that is quite drastic and meant to be a joke of some sort. However, some things have to be spent, necessities or even things that you have previously committed to paying for. It is akin to having a car and petrol prices are directly linked to costs.

For Example:

  • You purchased a home. You can’t stop the mortgage
  • You purchased a car. You can stop the financing payments (If any) and the petrol costs or the charging costs.
  • You purchased a subscription plan that has a contractual period. You can’t stop the payment. (Well, you can do an early termination if it makes economic sense)

I don’t wish to keep discussing the increase in GST. In a sense, this increase is necessary for economic gains and country-building. Additionally, business costs have increased, snowballing effect of the laggard inflation and upcoming soft landing is becoming apparent.

Petrol Prices

Discussing petrol prices has always been contentious with people around here. Regardless of any discussion, the price is as such. On the Price Kaki website, there’s a comparison of petrol grade 95, 98 and Premium.

Petrol Prices
Petrol Prices: Petrol Grade 95 as of 12 Jan 23
Petrol Prices
Petrol Prices: Petrol Grade for 98 on 12 Jan 23
Petrol Prices
Petrol Prices: Petrol Grade for Premium on 12 Jan 23

In this year 2024, I wish to be able to bring joy to others as much as possible so in that aspect I have a good deal for anyone who drives a car and would like to get direct discounts from the petrol kiosk.

Don’t be confused and don’t be sceptical about it. It is a good deal and I have been using it for 9 months now so it is not a sham. I have a limited fleet card on hand at the moment and would like to offer to the first 5 pax who indicate their interest on google forms here: Fleet Card Interest Gathering and First 5 GIveaways.

One condition is to follow/subscribe to my blog and also to add my telegram channel here at Life Journey Telegram. Thank you!

The first lucky 5 gets it.

Rest assured, this information is for me to understand how to address you and share that information via email. I’m gathering some interest here so let me speak with the guys and see if we can release more slots for you.

Save on Petrol Prices – Pros

1. No age or salary restriction

This is not a credit card. Anyone who has a vehicle registered in Singapore has proof of address in Singapore and a credit card for recurring payment can apply for this. There’s no bank involved in this.

2. A physical card

It is a physical card at the moment and is only available to ESSO and SHELL kiosks in Singapore.

3. Fabulous Discount on petrol prices

Perks for this card are a direct 23% or 24% for SHELL and ESSO respectively.

4. No Complications. No minimum spend or Top Up

Away with the complications of minimum inclusive spending and potential discounts. To me, cold-hard discounts are the best since they are upfront discounts.

5. Ease of Payment on petrol

This fleet card works like a credit card and you need to set up a credit card payment to pay once a month.

6. Convenience

Once you have been registered by the company, you will get a pin and each time you visit the kiosk, just the card and you can skip the cashier queue. That’s really convenient.

7. Continue to earn credit card rewards/miles/cashback

Even more, discount via double dipping and still be rewarded with your credit card rewards.

Save on Petrol Prices – Cons

1. New to Many

I understand the scepticism but what have you got to lose other than savings for your petrol.

2. No accumulation of reward points on your petrol loyalty card

You don’t earn kiosk points or rewards that you have accumulated for some time. To me, there’s a cost to everything including reward points. Just finish up your points or claims and move on to something else. But you still earn reward points for your credit card (No exclusion for most cards – At least I still earn mine on my Premier Miles Card)

3. There will be a 1.8% fee for the credit card charges

I believe that they use Stripe as their provider so the B2B fees will be at 2.4% and they roll it to consumer at 1.8%, hence the discount will be All-in 21.2% or 22.2% which is still decent.

From what i understand, one can use the giro payment and it takes 4-8weeks to set it up. There’s no fee for that however if any one Giro payment fails, thats the $10 fee slapped on your bill for the GIRO return so think wisely. I think it is still good to go on credit card recurring payments.

If you like what you are seeing, do remember to check them out and do your diligence. There is no one-size-fits-all investment strategy and no one solution to life. Join my telegram group to find out more about deals and join the community to connect for ideas: Life Journey Telegram

I have a limited fleet card on hand at the moment and would like to offer to the first 5 pax who indicate their interest on google forms here: Fleet Card Interest Gathering and First 5 GIveaways.

If you like what I am sharing or if it resonates with you, do use my referral codes here at Referral Services

How to Save Money? Tips and Tricks

On By RistrettzIn Interest, New Ideas, Personal Finance Series, Promotion, Random, Wealth & HealthLeave a comment

Saving money is an essential aspect of personal finance. Implementing some smart strategies can help you build your savings and achieve your financial goals. Here are a few tips on how to save money:

Saving Money
A Rainy Day fund is more apparent in 2024 as we all set ourselves for the soft landing ahead

Create a Budget:

Start by reviewing your expenses and income. This will give you a clear picture of where your money is going and help you identify areas where you can cut back.

Track Your Expenses:

Keep a record of all your expenses, including small purchases. This will help you understand your spending patterns and identify areas where you can make adjustments.

The envelope theory involved stashing cash away in different envelopes. This helps with the first condition – budgeting. In this day and age, perhaps a better way is to use a digital app such as Dobin.

I’ve found the ultimate personal finance app: It helps to manage my money & save on everyday purchases.

Quote: Download the app here: https://www.dobin.io/download. You may use my referral code when you sign: ZUPUNWI 

Cut Back on Non-Essential Expenses:

Review your expenses and identify items or services that you can live without. Consider making small lifestyle changes such as reducing dining out or entertainment expenses.

If you really still plan to have these expenses to eat out. Perhaps playing the miles game as you spend to double dip on rewards.

Kris+ is a lifestyle rewards app that gives you discounts and privileges at over 1,000 partner outlets islandwide! Earn rewards (KrisPay miles) for payments made on the app, and use them to offset future purchases!

Quote: Sign up now with my link below, and my referral code L329518 and we’ll each be rewarded with SGD 5 worth of KrisPay miles upon your first transaction on the Kris+ App 

Don’t forget to check in daily every week to earn about 30 KrisPay Miles. Meanwhile, you can also utilize Google Pay to make payments via Krist+.

Quote: Use my code when you sign up and transact at least S$10 for the first time in Google the  e Pay App or use my code t74cf8f

Meal Planning:

Plan your meals ahead of time and create a grocery list. This will help you avoid unnecessary trips to the store and impulse purchases. Look for sales and use coupons to save on groceries.

The CDC vouchers should do most household some good and defray some costs. More about that here if you have not claimed yours. Claiming your CDC Vouchers

Save on Utilities:

Make small changes in your daily habits to save on energy costs. Turn off lights when not in use, unplug electronics when not in use, and adjust the thermostat to optimize energy usage.

Perhaps switching to an Open Electricity Market retailer can save you  10-15% off your electricity bills.

Quote: Sign up for Senoko Energy with my referral code: “YM8SCA2D”. You will receive a S$20 rebate on your electricity bill. Browse their price plans and start saving today. T and Cs apply. Senoko is your electricity retailer

Compare Prices:

Before making a purchase, compare prices from different vendors or stores. This can help you find the best deals and save money.

Saving Money
Double or Triple Dip for More Savings

 

For comparison’s sake, if you are exchanging a foreign currency for any purpose. You can try iChange for money exchange and remittance.

Quote: Their rates are very competitive. Sent $5 for you to try it out. Download the app here https://ichange.onelink.me/Px1i/iyv9ymrr and add paul38 to receive it.  

Alternatively, if you want the convenience of using multi-currency cards, there are three options that you can consider. You get the idea.

  1. You Trip Personal User: Get $5 when you sign up. Sign up with my referral link: Personal YouTrip (Valid until 4 Feb 2024)
  2. The other option is to perhaps consider using a Revolut Card as an alternative and you can get $80 when you make three $10 transactions:  My Revolut Referral Link
  3. Quote 3: Use this Crypto.com App to sign up for Crypto.com and we both get USD 50. Code: im3py887ty

Automate Your Savings:

Set up automatic transfers from your checking account to a dedicated savings account. This way, you’ll save money consistently without having to think about it.

Other than a bank standing instruction, the alternative is to use Money Market Funds for either:

  1. Using Tiger Brokers as a platform to sign up to make that regular saving.
  2. The other option is to select another provider such as Moomoo Brokerage Invest App for a great welcome starter kit here at Moomoo Invest App
  3. The third option is to select Webull and get your starter kit promotion. Click here to register at Webull Sign-up link

Avoid Impulse Buying:

Before making a purchase, give yourself a cooling-off period. This will help you evaluate if the purchase is necessary or if you’re buying on impulse. As the saying goes, delayed gratification. Any new tech is always appealing and after a while, it loses its appeal.

Cancel Unnecessary Subscriptions:

Review your subscriptions and cancel those you no longer use or need. This could include streaming services, gym memberships, or magazine subscriptions[1].

Prioritize Debt Repayment:

If you have outstanding debts, focus on paying them down. High-interest debts, such as credit card debts, should be prioritized and paid off as quickly as possible.

Remember, saving money is a gradual process, so be patient with yourself. Small changes can add up over time and lead to significant savings. By implementing these tips, you’ll be on your way to building a more secure financial future.

Disclaimer

If you like what you are seeing, do remember to check them out and do your diligence. There is no one-size-fits-all investment strategy and no one solution to life. Join my telegram group to find out more about deals and join the community to connect for ideas: Life Journey Telegram

If you like what I am sharing or if it resonates with you, do use my referral codes here at Referral Services

Earning Rewards and Miles on your Credit Cards

On By RistrettzIn Deals, Interest, Miles, Personal Finance Series, Promotion, Random, Wealth & HealthLeave a comment

Travel season is back and I have been reading up quite a bit about the miles and cashback camp. The last two years, void of travelling were purely a cashback play from many folks except some whom believed that it would all go away. It really depends on how one views rewards because some of those payments are excluded from earning any form of miles or cashback.

With the introduction of a fee-based payment, these rewards come at a price. CardUp used to be a game changer in that sense because rents could be paid and rewards could be earned at the same time. Similar to many companies, they throw out marketing dollars so that people get to know their brand and use their proprietary systems. With the data they have, they can then find out more about people’s behaviour, and make marketing trends that keep the stickiness in clients to continue to use their platform.

Earning Rewards
Earn to Business or Economy

Credit Card Rewards & Earning Rewards

I’m no exception. I used to be the kind where I would not spend more to earn more rewards. As time went by, I realised that buying miles or arbitrage on cashback difference does make sense for me. My insurance, MCST payments, tax, property tax and other exclusions can now be added to my miles game or cashback. This is pretty awesome if you ask me. Paying and earning the rewards seems to make sense to me today.

I still wasn’t sure what kind of changed me and I constantly paid a small fee to gain that reward which all amounts to nothing previously.

Who and what is card?

CardUp is on a mission to provide individuals and businesses with a better way to pay and get paid. CardUp operates regionally across Singapore, Hong Kong and Malaysia as a major payment institution

If I recall rightly, some time last year they were acquired by funding societies

With CardUp, you can now make and collect payments digitally, including with a credit card, even in places where cards are traditionally not accepted. Some of the items that you can make payments to will be:

  • Insurance
  • MCST Fees
  • Rent and Rental Deposit
  • Education
  • Car Loans
  • Miscellaneous Payments
  • Domestic Workers salary
  • Taxes and Stamp Duty
  • Season Parking
  • Electricity Bills

I personally forgot about them until they sent me a reminder about the property tax season. It was a pretty decent deal at a 1.75% fee that has no cap. It is not a sponsored post but if you have not had a CardUp account do check it out. If you need any help to understand more, just drop me an email.

Use my code when you sign up at this CardUp Link or use my referral code PAULL34.

Earning Rewards
Earning Rewards and Miles is a long game and can be rewarding

Meanwhile, thank you for reading here. I am working on something and I might have something interesting out by tomorrow to get a direct 23% off your petrol bills at ESSO without any minimum spending in the form of a fleet card. I probably will avail it to 5 readers for a start before I request more of such deals. Those who drive and want to save all the hassle of saving petrol. It is a simple sign-up process so keep a lookout for it.

Disclaimer

If you like what you are seeing, do remember to check them out and do your diligence. There is no one-size-fits-all investment strategy and no one solution to life. Join my telegram group to find out more about deals and join the community to connect for ideas: Life Journey Telegram

Use my code when you sign up at this CardUp Link or use my referral code PAULL34.

If you like what I am sharing or if it resonates with you, do use my referral codes here at Referral Services

Everything is Expensive Today

On By RistrettzIn Deals, Interest, Macroeconomic, RandomLeave a comment

We have been in a deflationary world for the longest time and in the last year, everyone has been fighting inflation. It isn’t that fun to know that what you have now buys less of everything. The resulting outcome is that every single item such as consumables, staples, and costs would have increased.

There is a laggard in the sense that the resulting costs of home purchase would mean that home prices have crept up. The cost of hiring has increased since the waste management, your electricity and water bills and the employees behind maintaining the order of infrastructure would have increased. Eventually, this would lead to a higher annual value of everyone’s home prices and that subsequently leads to a higher property tax and so on and so forth. You will get the idea.

When we talk about homes, there’s always something in me that worries for the young. I’m thinking about my kids yes it is and I think it is always at the back of our minds that how are they going to afford housing in another two generations or so? Personally, in a land scarce Singapore, it is hard to agree that property prices will drop. What it currently does is that it is slowly down the increase that Hong Kong failed to do so many years ago resulting in small houses and social issues.

Home prices
This came from CNA

Inflation

With inflation rates normalizing globally, the same effect will be a laggard. However, let’s also be real because no business will reduce prices knowing inflation would have normalized. Moreover, GST has increased in 2024 and it just means that costs will have increased yet again. It would take at least two quarters for anyone to see the easing effect.

While looking at the most recent CDC vouchers, I also started my hunt for CNY purchases. Things like drinks, Bah Kwa, and consumable items: CNY Shopping Items have crept up.

I do hope that I am wrong. I do sense that there is a soft landing rather than a hard one. Recession is a strong word and we have to come to a reality. Recent job cuts in the news is not by chance. What we do not know are the unofficial ones.

Inflation rates have plenty of benchmarks such as the Big Mac. In Singapore, we have the Milk Powder Benchmark:  Milk Powder haha

I do remember that during the “covid period” a lot of homeowners became pet owners. I do hope, they did not discard their pets because that is not great behavior. Hopefully, you can find some good deals here at Pet Shopping

Disclaimer

If you like what you are seeing, do remember to check them out and do your diligence. There is no one-size-fits-all investment strategy and no one solution to life. Join my telegram group to find out more about deals. Join the community to connect for ideas: Life Journey Telegram

If you are doing some shopping, click on the affiliated links here: CNY Shopping

If you like what I am sharing or if it resonates with you, do use my referral codes here at Referral Services

Investing or Gambling or Punting

On By RistrettzIn Finance, Macroeconomic, Personal Finance Series, Psychology, Random, Wealth & HealthLeave a comment

I recently read quite a bit of online articles to explore fresh new ideas and I came across some blogs discussing the fact that investing is gambling and also several others that discuss Singaporeans being overly confident with themselves. I mean there’s really no right or wrong answer to these and I personally feel that it is a little bit of a righteous standout or declaration. Yes, we all know that many people are snobbish but I would like to think that most Singaporeans are smart, clever, and full of empathy. The ones who are snob are usually the affluent group. Probably think that with a 6-digit asset, they have the right to everything.

That said, our small country has exceptional talents. These people don’t voice or come out to talk about their opinions in public. Usually, they can avoid it in its entirety or put their opinion on where it matters the most. After all, we are still humble Singaporeans, aren’t we? There was an increasing trend in the last decade about some topics that irk me a lot, let me list them down:

Kiasu/Kiasi

Meaning scared to lose or scared to die. It was prevalent in the last decade where FOMO exists today and I felt that it was uncalled for because people just flock to what most people did. It kind of made many next-gen be contrarian

Best

The concept of best has been something I disliked for some time now. At least for 30 years. For 30 years, I have been hearing the words best and “bestest”, even words that do not exist in the English dictionary appear in my everyday life. My question is, what is best? Who determines the best or why is it the best? Is what one defines as the best really the best? I beg to differ in all aspects. There is no best, there’s only what one thinks is the best. By the way, it doesn’t mean cheap means it is no good.

Similar to the way one measures a valued company. It’s not the best but it is the most valued. Then again, value is perceived hence my point – beauty lies in the eye of the beholder.

Invest in gambling

It is said that gambling is punting, investing is gambling of sorts and investing is a study of risk management. If one sees risk management the same as gambling then I’ll ask, why invest and spend so much time understanding a company or an investment? Life is an entirety of risk and we understand the risks, manage the risks, and reduce risks to enhance our lives, our experiences, and our money.

Lady luck plays a big part in our lives no doubt. Some people seem to have more of those but I’ll say, you make your own luck. If lady luck is not on your side, it is probably because it is the wrong lady. Some find their lady earlier and some later. There’s no loser at the end, it is part of the risk management and tools we can use to enhance our priority.

Disclaimer

If you like what you are seeing, do remember to check them out and do your diligence. There is no one-size-fits-all investment strategy or general rule for your every life. Join my telegram group to find out more about deals and join in the community to connect for ideas: Life Journey Telegram

If you like what I am sharing or if it resonates with you, do use my referral codes here at Referral Services. 

If you have not opened a Moomoo account to start your investing journey, you can give it a go here to recieve rewards up to S$660 (T&Cs apply). Cliek here to Open a Moomoo account

Thank you in advance. It keeps the light running on my blog. Cheers!

New Year, New Start in 2024

On By RistrettzIn Deals, Finance, Personal Finance Series, Psychology, Random, Wealth & HealthLeave a comment

Before we start on anything for 2024. I would first apologize for disappearing for a full year. I was fully focused on getting my career on track to only lead to a single result. The end result is actually disappointment, anger, and fear. I ask for peace and hence over it. I am keen on moving forward and this is actually good for me.

Everyone is different

My situation can be similar or different from many others. One can choose to focus on the negative aspects or the positives. This year, I will try my best to constantly blog more, and provide more deals, promotions, and thoughts about stuff. Provide more referral sources to find out about life hacks and travel more.

Doesn’t this picture make you happy?

We keep looking into blogs, about deals, life, investments, about promotions. It all begins with one thing, you need to have the basic necessities of life. Food, drinks, bills that you pay. If a certain segment does not fit where you are heading or takes some time to reach, just ignore it and focus on your current situation.

Work on it until you have built your emergency funds up. Inflation today has dropped but it is not a joke, prices will not drop even if there is a deflation (Unlikely so) However, I do personally think that interest rates might just drop drastically – This has already been priced in in the most recent treasury bills and SSB. Personal Finance consists of many parts, some choose to focus on P&L while others focus on finding great deals.

What is Personal Finance to you?

For me, personal finance is a game of psychology. It is how one deals with another person’s boasts or proof of what works for them. I do not see red over others and I actually would celebrate their achievement. My only gripe is that everyone is different and one does know another’s situation. So, my ask here of you if you are humbly reading my posts is that. If you have excess cash, good for you, you can seek better and more deals. If you are of a humble background, a fresh graduate, or someone in a situation.

Don’t fret. Many people are in the same situation – You just need to be aware of the situation you are in. Drop the “I’m unlucky, I’m old, I’ve to restart” stigma. Age is just a number and your situation is only temporary. However, if you continue your rut and continue to be unhappy then I can only say that you’ll take a longer period to get out. You will eventually.

Take care of my readers (My LJs). Time will heal and recover. Meanwhile, it is back to my store store and referral time!

Disclaimer

If you like what I am sharing or if it resonates with you, do use my referral codes for other services at Referral and Recommendations

These pictures were taken off the website. I thank you in advance for keeping my lights on on my humble blog.

Making more than 5% interest in Money bull

On By RistrettzIn Alternative Income, Deals, Finance, Interest, Interest Rate Series, New Ideas, Promotion, RandomLeave a comment

It’s been a while since anything kind of got me excited and Webull along with the money bull is coming along pretty nicely. During the Christmas period, there are some nice promotions to be taken away for a new Webull customer. That’s pretty sweet.

There are two items here to take note of:

  1. There’s a time factor now for anyone who is not a WeBull customer. The promotion campaign is ongoing and running until 29 Dec 2023. Click here to sign up Webull sign-up link
  2. There is something that is running similar to a Cash Fund promotion which doles out extra money.

Benefits of signing up

  • You just need to open an account with Webull, and fund any amount (no minimum) –  get 10 free shares when you open a Webull account and fund any amount. There is also a Moneybull promo you can get up to US$3,000 by participating in it.
  • Click here to sign up Webull sign-up link
  • Next you have to sign up with Webull and click on the promotion link to open a Moneybull account.
  • The T&Cs are pretty clear from here. you can only get one of the two promotions. One point to take note of is the SGD-USD exchange rate, you have to ensure that the SGD deposited is equivalent to the USD when exchanged. Then the bonuses are tiered according to either:
    Accumulating deposit with Moneybull before 29th December 2023 (3.59PM) and hold the funds until 31st March 2024 (11.59PM) US$2,000: US$80 cash vouchers

    US$100,000: US$3,000 cash vouchers
  • Additionally, you can put the funds into money market funds and earn the projected yields.

That’s how easy that is. Good Luck!

Remember to read the T&Cs Webull sign-up link

Conclusion

It is really a no-brainer to get free cash. You can also explore another app to see if it does fit with you. Never say never because if you do not try it. You will not know.

Click here to sign up Webull sign-up link

If you like what I am sharing or if it resonates with you, do use my referral codes for other services at Referral and Recommendations

A New Beginning – The Year of the Rabbit

On By RistrettzIn Psychology, Random, Wealth & HealthLeave a comment

So, I took some time off from my previous job because it was giving me a mental breakdown as well as a job fit. Most importantly, I didn’t feel that I got a good start, everything just felt off from the onset. The last three months have been exciting, scary, enriching, anxious and everything else mixed together.

For the best part of my work in the last five years, was the pure flexibility of it. I enjoy the work and I enjoy how flexible it is. Honestly, it feeds me and the family well too. Everything has to end eventually so the transition was not too great. As for me, I didn’t feel that worried but once I stopped receiving calls for interviews after three weeks, something didn’t quite click and I reached out to my contacts for help. Meanwhile, I also seek my own spiritual help.

I didn’t come from a privileged family but I always had an issue with applying for jobs. It doesn’t come that easy compared to many others that I have known. There’s always something available for others. Personally, social capital has always been a help to me. Perhaps my role is niche or my experience is different from others but it is always the “highly recommended” that gives me the first call for interview. Whatever happens next is up to the individual.

There was a bit of a hiccup during my onboarding process but eventually, with the grace of God, everything worked out.

The thing about this process of job hunting is that often it is nerve-racking. For some reason, it didn’t feel this way. It just felt that something will come back at the right JD, the right remuneration. Given the external factors, it does get a bit anxious when you keep hearing about the job cuts in several key industries that have boomed over the past few years.

I definitely feel those who are still hunting for a job, looking for their next work. I also feel for those who have been retrenched, who had to resign for whatever reason and who have no work for any reason. All these take a hit on their retirement planning, life plans, child and many more. I will pray for you and everything will be fine with God.

This is just a random thought that I would pen down. In five or ten years, I will probably come back and look at it and see what has changed. But for sure, many of you out there don’t despair and don’t lose hope. Because with time many of the answers will be revealed.