How I am Spending My Time Daily (Work Day)

 Given that my full time job is 100% work from office, I will be able to keep to the same routine more easily.

As I have mentioned in my previous post, I am trying to cultivate better habits into my life. Here are some ways that I am trying to change and hopefully it will stay.

Before Leaving the House

Read News: 30min max (I know many books mentioned how toxic news is as it is heavily focused on the negatively to capture our attention. However, I am still curious about the world and will like to be kept up to date)

Exercise:

• Lift some light barbell weights at home while drinking coffee and reading news: 5min at max repetitions (not sure if it is healthy but it is part of the habit to increase the exercise level)
• Max number of push ups before leaving house for work

During the Long Commute

Read News: Finish up left over news

Read Book: At least 10 pages (some contents are dry)

Drama: Watch 1 episode of TV drama to relax

Work

Work is just work.

After Work Commute

News: 30min

Read book: At least read to maintain the momentum

Drama: Watch 1 episode of TV drama to relax

At Home

Read book: Continue reading the book (usually too tired to process anything)

Unwind: YouTube (May not be the best habit)

Journal: Start the habit of journaling

I found out that after work, it is not easy to do things that require brain work. It is too mentally draining and I will have to try to tailor the habits. In the end, I will most likely be watching some informative content on YouTube or journal. Otherwise, a better habit might be to sleep even earlier.

The habits above do not account for any over time required at work. If there is any overtime work, the brain capacity will be reduced due to a shortage of sleep and a lot of the more “productive” habits may end up as resting or even dozing off during the commute.

How are you spending your time? Are you going to start changing to waste less time doom scrolling and potentially affecting your sleep?

Good Habits to Cultivate

 As we pursue our goals in our daily lives or even just coasting through life, living without any sense of purpose, we should still focus on some habits that we can cultivate to better ourselves. While cultivating these habits, we may be in a better state in the future while we ponder about our life, goals and purposes. I have written down some habits that I intend to follow and is by no means a health advice. Please do your own research.

Health Goal

Sleep

Getting 7-8h of sleep as an adult will help us recover both mentally and physically. Many of us are sleep deprived possibly due to stress or doom scrolling before sleeping. With a good night rest, it helps that we will be more energised with all the other benefits that comes with it, such as lower risk of heart disease and healthier blood sugar levels.

Nutrition

Getting sufficient and balanced nutrition is also key to having a healthier body. Follow the Quarter Quarter Half rule, where 1/4 of the plate is grains, 1/4 of the plate is proteins and half of the plate is fruits and vegetables.

Hydration

Keep yourself hydrated throughout the day. The usual guideline is 8 glasses of water per day or to check if urine colour is clear colourless. Being hydrated will help to reduce the stress on the kidneys to filter out toxins from the body and also lower the chances of kidney stones.

Mental Wellbeing

Journal

Writing down your thoughts and what has happened throughout the day can help to organise your thoughts. It also helps you to process what you have gone through and have a closure for the day. It can even be a note taking session where you write down what you have to do the next day so that the workload is offloaded from your brain and reduces the stress that your brain experiences.

Connecting with Nature

Nature has the ability to reduce stress in our body and improves our mood. Furthermore, it helps to reduce anxiety and sadness. With these benefits, it is good to take a hike or walk around parks to get some fresh air and relax. This may be difficult to achieve daily but it should at least be a weekly habit

Knowledge

Reading

Gaining new knowledge will be a good habit to have as it is part of self improvement. It can be fiction or non fiction as both genres develop us in different ways. The important point is to ensure that the habit of reading is kept, and that the absorption of knowledge takes place.

Learn Something New

It can be anything. For me, it will be some new language that will be basic. I believe with a habit of learning, I will less likely drop it off when it gets tough.

Reflections on Happiness

What makes me happy?

I am unsure what exactly makes me happy. However, I do know what are some frustrations that I have. The daily long distance travel to work and to squeeze on transportation during the daily commute. The long queue for food during lunch time.

To target these frustrations, having financial independence is a good goal to have. This will help to remove the monetary stress and open up more options for me. Furthermore, rental or even ownership of house nearer to work place will remove these frustrations.

Does removal of these frustrations make me truly happy?

I have the privilege of working in a field and company where I am satisfied. However, the daily commute might be the reason why the motivation to push harder to achieve more in my career is not a priority. I am unsure if it is due to the nature of my personality or the daily grind of the commute that drains me.

With financial independence,

• Will it motivate me to work harder?
• Does it push me to make a difference and help to change the world?

These are questions that I will have to continue pondering.

In the end, in the pursuit of money, we have to remember that money is an enabler of the lifestyle that we want to achieve. Do not accumulate money for the sake of money. Try to have a purpose on why and what you want to do with it. With sufficient money for financial independence, will we be happy?

iShares MSCI China UCITS ETF | ICHN

iShares MSCI China UCITS ETF | ICHN

New ETF on the look out. It exposes the investor to approximately 85% if the Chinese stock market and it includes big names like Tencent and Alibaba which has primary listings on the HKEX and NYSE respectively.

However, the issue with this etf is that it has a very small trading volume which can range from 300+ to 10,000+. In US$ value, it is only about $1,500 to $53,000 for a price of around $5.3141. In addition, it is not listed on LSE but on Euronext which has a higher commission for trading. The small fund size of $37mil might also explain the relatively high total expense ratio of 0.40%.

Hence, I will continue monitoring for lower expense ratio and higher volume before plunging into this ETF. In the meantime, I will continue gaining exposure by buying EIMI.

Disclaimer: This is not an investment advice. It is all just my opinion. I will not be responsible for any decision that is made by any individual. Invest at your own risk.

Electroneum Cloud Mining Ended

Electroneum Cloud Mining has ended today. I had not used this service since 2018 when it was cloud mining. At that time, it was burning my phone and the battery which led me to stop using it. However, I only started again these few days and now the "free" ETNs are gone. So much potential ETN earning lost over these 2 years. It is sad but they introduced AnyTask for users to earn ETNs by completing tasks created by others. I believe it should be something like Fiver but I did not check it out as I was not interested. I shall find out how to sell off my ETNs or to hodl since it has risen by 337.2% over the last 30 days.

The referral programme has ended too. Seems like the only way to earn ETN is either through CPU/GPU mining or AnyTask.

Coastal-City Game - SCAM

Coastal-City Game is a SCAM

It wasworking well with people investinig money in and are able to withdraw until 1 fine day, the website stopped working. I have invested US$1 which was converted to RUB which was not as liquid and the exchange rate is way higher. Since this is a known High Interest Investment Yield kind of game, players have to be prepared that it will collapse anytime.

I am just sad that I did not have sufficient time to cash out more than US$1. I got into the game too late.

Latest Rewards or Beer Money App and Websites Used

I have compiled a list of the current apps and websites that I use for beer money, passive income or free extra cash, whatever you call it. Not all are lucrative and some are very time consuming but I am still in the trying phase. I will update again when I have more data.

The list below contains referral links that might provide me with gains should you sign up with it. Some of them did not mention what benefit does it give to the one that uses the referral link. So if you would like to support me. Please do sign up with the referral code or referral links.

I will do more in depth explanation of the apps that I use in the future.

Wowapp

Ad payment is very low now but I will continue to use it until I find it too troublesome.
Payout per day: ~US$0.01
Referral link: Wowapp

Lifeslide

The payout rate is so low that I might be uninstalling this app soon
Payout per day: ~US$0.001
Invitation code: spammist2
Referral link: Lifeslide

Sweatcoin

Minimum payout: 20, 000 points for US$1,000 
Payout per day: ~3.5 coins  (US$0.175) (assume ~2,000 steps per day and 0.5 coins x 3 video ads watched)
Referral link: Sweatcoin

Runtopia

Paypal redemption option is gone. Might not be worth accumulating points unless you are willing to spend money to buy their goods.
 Payout per day: ~2 points login (US$0.001) (assume $300 for 30,000 points) But the paypal redemption option is gone)
Invitation code:
Referral link: Runtopia

Yodo

Minimum payout:  72,000 points for US$3
Payout per day: ~300 points for 1,500 steps (more steps don't help) US$0.0125
Invitation code: J444X
Referral link: Yodo
We will both earn 300 points from it

Rollercoin (web)

Power: 381.789 TH/s
BTC network power: 2.238 EH/s
Block reward: 4,500 SAT per 5min
Payout per day: ~221.76SAT (US$0.0177) (assume BTC price at US$8,000)

Referral link: Rollercoin

Publish0x

Tips to authors range from 80% given to you 20% to author and  100% given to the author. This can be selected by the reader at the end of the article. Each reader can give up to 6 tips a day

Minimum payout:  US$ 0.50 worth of a specific coin
Payout per day: ~US$0.008 worth of various ERC-20 coins (DAI, LRC and BAT)
Referral link: Publish0x

LBRY.TV

Payout per day: 1 LBC (~US$0.048) (This is just base on daily watch bonus)
Referral link: Lbry.tv

Presearch

Minimum payout:  1,000 PRE
Payout per day: 8 PRE max (~US$0.16) (based on PRE price of $0.02) maximum of 32 searches per day Referral link: Presearch
Get 25 PRE coins when you sign up with my link

Pi Network

This token is not listed yet.
Payout per day: ~6.96 pi
Invitation code: NickLee1212
Referral link: Pi Network

Phoneum

Minimum withdrawal is 30,000 PHT though. I have not reached the minimum sum yet
Payout per day: ~95.76PHT (US$0.01)
Referral link: Phoneum
Both of us will receive 200 PHT

Electroneum

I failed the KYC for continued cloud mining for 7 days. Shall update when I pass it.
Payout per day: ~ US$0.001 (TBC)
Invitation code: EBF7BA

SwypeOn

Payout per day: not consistent (I have not reached the minimum 5000 points for MYR 50)
Invitation code:NICKLE26861

Honeygain

Minimum payout:  20,000 points for US$20
Payout per day: ~2-3GB (US$0.20 - US$0.30)
Referral link: Honeygain
Both of us will get $5 worth of points

Electroneum

Electroneum

Use this referral code EBF7BA to enjoy 1% bonus of everything that you mine.

Electroneum is a cryptocurrency that is based on the cryptonight algorithm. It enables mobile mining via the application which simulates mining based on the hardware of your phone. Hence, it will not use your phone to mine (no battery drain and hot phones) but simulate and provide you with the coins that you deserve.

ETN coins per day: ~ 4ETN
Threshold for ETN coins to go to wallet: 10 ETN (worth about US$0.05)

The tedious part is to convert the ETN to your own country currency which I have not find out. I believe it needs to be ETN -> BTC/ETH/XRP (common coins) -> USD -> SGD or straight to SGD depending on the exchange.

New Money Making Website: Cashmining.xyz

Cashmining.xyz

Contrary to its name, it does not use your CPU to mine. All you need to do is to open the window or tab and you will earn US$0.0001 per minute.

Ways to increase your earnings:
- Join as a premium member for US$3.49 and increase your earnings by 2x and lower the payout threshold to US$1.75
- Do CPU mining via their website for US$0.000000005 per hash and can transfer the balance to your main account with a minimum threshold of US0.01.

However, I just started and will need to evaluate if it is true.

Earning: US$0.0001 per minute
Amount needed to cash out: US$2 (PayPal or Payeer)
Time needed to cash out: ~14 days
Earnings per month: US$4.32 (assuming tab is open 24/7)

New Rewards App: McMoney

McMoney

The app aims to reward people for enabling the developers to work with telecommunication firms to send and receive SMS easily. The SMS will contain weird symbols and you will know that you have earned from the app. Random messages from strangers or your own SMS will not count.

Just download this app, ensure that it has constant access to the internet and the battery saving mode does not kill off the app and the phone will receive SMS randomly.

Money to cash out: $5
Money per SMS: $0.047 (about once a day)
Time to cash out: ~107 days

I have not manage to reach $1 and will update again when I am able to cash out.