SATS - Opportunity at 4.56
SATS kana wack down after announcing first-quarter net profit dropped 14.4 percent on-year to S$54.7 million amid the Jet Airways suspension, lower foreign-exchange gains and lower cargo volumes amid trade uncertainty, the aviation catering company said Thursday.
SATS fundamental is still good and good opportunity to accumulate for long-term at 4.56
Singapore Stock Investment Research
-
Should You Sell Everything When a Bear Market Hits?
-
Bear markets can feel terrifying, but selling everything at the wrong time
may do more harm than good — here’s how smart investors respond when
markets f...
2 hours ago
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What Is Carbon Tax And How Much More Will You Pay For Your Utility Bills In
2026
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From 2026, household utility bills may increase by $4 each month.
The post What Is Carbon Tax And How Much More Will You Pay For Your Utility
Bills In 20...
5 hours ago
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Mapletree PanAsia Com Tr - 3rd quarter results is out.DPU is up 2.5 percent
to 2.05 cents , it has finally turning around looking good
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Mapletree PanAsia Com Tr - 3rd quarter results is out.DPU is up 2.5
percent to 2.05 cents , it has finally turning around looking good!
3Q FY25/26 DPU ...
5 hours ago
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My 2-Week Guangzhou and Hong Kong Company Retreat and Extended Trip
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Most of my colleagues and I would usually went for a company retreat at the
start of the year. Last year we went Da Nang …
6 hours ago
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Cautiously Optimistic, Not Complacent
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This is going to be a short reflective post for myself, and it serves as a
reminder for me to remain calm and composed through the possible volatility
th...
14 hours ago
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What will the US Fed do for its Jan 2026 FOMC? - Part 2
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Just as expected, the US Fed kept its rates on hold.
15 hours ago
-
Analyst Alert: Recommendation and Consensus on Hong Leong Asia Ltd,
UltraGreen.ai Ltd, Mapletree Logistics Trust REIT, ISOTeam Ltd
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This article provides a curated list of investment recommendations by major
research houses on stocks that are listed on the Singapore Stock Exchange.
18 hours ago
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Crombie REIT claims no financial impact from Empire’s Alberta exit
-
Crombie REIT has stated that Empire Company Limited's decision to shut down
its customer fulfillment centre (CFC) operations in Alberta will not
materially...
18 hours ago
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Sin Heng Heavy Machinery – A takeover target?
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Sin Heng Heavy Machinery Limited (SGX: BKA) was in the headlines in 2025
due to a privatization bid by the controlling shareholders. With a history
datin...
1 day ago
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These 8 REITs Hit All-Time Highs – And Some Will Surprise You!
-
While REITs are most likely poised to make a comeback in the next few years
when interest rates taper down, I’m surprised that there has been less
chatte...
1 day ago
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The Fast Lane to a 50% Pay Bump: Find the Right Mentor?
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[image: The Fast Lane to a 50% Pay Bump: Find the Right Mentor?]
Mentorship at work is basically a career fast-forward button. This shows up
directly in yo...
1 day ago
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Mapletree Industrial Trust (SGX: ME8U): 3Q & 9M FY2025/26 Results Review
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[image: Mapletree Industrial Trust (SGX: ME8U): 3Q & 9M FY2025/26]
Mapletree Industrial Trust (SGX: ME8U), or MIT, has an investment focus on
industrial and...
1 day ago
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FSM Invest Expo 2026: A deep dive into market trends and opportunities
-
As the financial landscape continues to evolve, staying ahead of emerging
trends and seizing the right investment opportunities has never been more
cruci...
1 day ago
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Singapore Property Stocks Poised to Benefit from Cooling Measures in 2026
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As Singapore enters 2026, the property market is showing signs of
moderation after years of robust price growth. Analysts are closely
monitoring the resi...
1 day ago
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Should You Quit Your Job To Trade Full-Time?
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Discover what it takes to quit your job and trade full-time
The post Should You Quit Your Job To Trade Full-Time? appeared first on
TradingwithRayner.
1 day ago
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These 5 SG REITs Just Triggered Bullish Signals 📈 (2026)
-
Something just popped up on my charts.
*5 Singapore REITs.*
All flashing *fresh bullish signals* using my 1GT Strategy.
Now here's the twist…...
1 day ago
-
Explosive Stock In Second Half of 2026 *New Initiative For Patreon Members*
-
I have started a new initiative for my Patreon members in 2026. It will
contain the most valuable info that I have gathered from various reputable
sources,...
2 days ago
-
T Bill Singapore BY26100S is 1.44%
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My Sweet Retirement
T Bill Singapore BY26100S is 1.44%
The 1-year T Bill Singapore BY26100S, closed with a cut‑off yield of 1.44%
per annum. This is high...
2 days ago
-
-
Quick commentary on Clifford Modern Living (CML)
-
CML was sold down as many as 6% today. This was due to an announcement the
night before, that they have purchase around 30m HKD of Gold. Their plan,
is t...
2 days ago
-
FCT AGM 2026: Why I’m Staying Vested (4 Key Takeaways)
-
Following the FCT (J69U) AGM and 1Q 2026 update, management’s proactive
strategy is paying off. From neutralising the RTS Link threat to the
massive NEX AE...
4 days ago
-
Hong Kong Phoenix Rising From The Ash- Doubling Down on Link REIT.
-
I thought that Hong Kong seems to be doing extremely well again despite the
slump that persist post COVID and the weakening local retail scene due to
the ...
4 days ago
-
SPDR Gold Shares ETF
-
According to a Straits Times article dated 16 January 2026, there was a net
inflow of $2.4 billion to SGX-listed ETFs. Among the ETFs, SPDR Gold Shares
E...
1 week ago
-
SME Succession Planning: The 90-Day Danger Zone That Can Destroy Your
Business
-
As an SME owner, you’ve spent years—perhaps decades—building your business
from the ground up. You’ve weathered market shifts, hiring challenges, and
eco...
1 week ago
-
2026 direction for the portfolio - What am I adding, strategies for
portfolio growth and where I want it to be at the end of 2026
-
2025 was quite a good year for the portfolio, it went up in value with my
contributions and also the volatility of it provided such excitement for
me. Ho...
1 week ago
-
What We’re Reading (Week Ending 18 January 2026)
-
The best articles we’ve read in recent times on a wide range of topics,
including investing, business, and the world in general.
The post What We’re Read...
1 week ago
-
Reviewing my portfolio cost yield
-
New year new beginning.
Decided to do a review on the cost yield of my individual holdings since it
is one of the most important metrics to me. I'm an in...
2 weeks ago
-
Why Understanding Human Behaviour Matters More Than You Think
-
When I first started investing, I believed the usual story. Read the
financial statements, find good companies, buy at a reasonable price, and
let time do ...
2 weeks ago
-
Cory Diary : Family Expense Dec'25
-
Dec'25 seen some temporary uptick in expenses. This is after months of
sloping down in expenses.The increase is more on oversea accommodation
expenses. I d...
2 weeks ago
-
How I Turn My Parents’ CDC Vouchers Into Cash For Them (And What I Do With
$6,800 In Vouchers)
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CDC vouchers are great, but the digital process is a headache for seniors.
Here's my simple solution: I give my parents cash and take over their
vouchers...
3 weeks ago
-
Resisting The Siren Call Of CPF Top Ups
-
I do not know about you but there is a surprising lack of CPF posts during
this transition from Year 2025 to Year 2026. Or…
3 weeks ago
-
ThumbTack Fund Report 27 – Received A Call From Margin. Didn’t Pick Up. He
Chose Violence.
-
I suspect I won’t enjoy writing this 1st part… but what the heck, it’s the
festive period, let you guys enjoy some schadenfreude. Don’t get too used
to it ...
3 weeks ago
-
End of an Era: Buffett steps down as Berkshire CEO
-
5,000,000% in 60 years. That’s the equivalent of turning $1 into $50,000.
That’s a CAGR of 19.76% for 60 years. Most people don’t even stay in the
investme...
3 weeks ago
-
Dividend Warrior FY2025 Portfolio Review - Record High $46k Annual
Dividends! Beyond the $1 Million Portfolio!
-
*Equities Portfolio Cost:* S$684, 447
*Equities Portfolio Market Value: *S$1,048,180
*Equities Portfolio **Unrealised** Profit:* +S$363, 733 (*+53.1%*...
3 weeks ago
-
FG Year in Review 2025
-
Happy new year 2026! As usual, the start of the year is a great time to
review the last. Since this is a family finance
The post FG Year in Review 2025 f...
3 weeks ago
-
Dividend and portfolio update December 2025
-
Added the following stocks this month :
China Gas holding
Great Eastern
GP Industries
Dividend payment dates as of time of writing this (those paid a...
3 weeks ago
-
My Investment Portfolio - SG (End Dec 2025)
-
Source: StocksCafe
No transactions were made in December as I was overseas.
Came back to news of the Keppel Reit preferential offering. I have yet to
...
4 weeks ago
-
New Activist Investment Idea!
-
* This post first appeared on 8percentpa.substack.com*
This company might be a giveaway with the sub-title above and loyal
followers of this substack. In...
4 weeks ago
-
My Investment Portfolio (December 2025)
-
STI ended the year at 4646 points, up more than 2.5% for the month and up
more than 22% for the year. In US, focus initially had been on private jobs
rep...
4 weeks ago
-
Portfolio Closing 2025
-
STI closed at 4646
DBS ($56.36)
UOB ($35.06)
NetLink Trust ($0.965)
SingTel ($4.55)
StarHub ($1.12)
CityDev ($8.00)
Keppel Infra Trust ($0.49)
Olam ($0.9...
4 weeks ago
-
Portfolio Cleanup: Trimming Underperformers
-
Following my previous post on trimming underperforming stocks and
reallocating capital toward more promising opportunities, this serves as a
follow-up upda...
4 weeks ago
-
Happy New Year 2026 !
-
*I did Voluntary Housing Refund (VHR) to make the figure looks good. :)*
*Looking forward to S$888,888.88. LOL.*
*I top up MA, S$3,500, to reach the new ...
4 weeks ago
-
🎄 Merry Christmas — A Year-End Reflection from FireByforty
-
Merry Christmas, everyone! It feels almost poetic that I’m writing this
again right before a flight — a familiar pattern by now. In a few hours,
I’ll be ...
5 weeks ago
-
Restarting on Substack...
-
*It’s good to be back.* I’ve finally carved out the time to return to
Substack, and I’m hitting the ground running. My latest thesis is the most
critical...
5 weeks ago
-
Why Investing is Not About Predicting, but Positioning
-
The post Why Investing is Not About Predicting, but Positioning appeared
first on Re-ThinkWealth.com - Business-like Stock Investing.
1 month ago
-
letter to myself
-
cbi reflections means and desire, social contract
What I hope to achieve
Stoic
- sharing, less self centered, sharing and group work, conflict manage...
1 month ago
-
MOH Changed IP Riders-What It Really Means (And What You Should Do About It)
-
Last week, MOH dropped a major announcement that affects almost every
Singaporean with an Integrated Shield Plan (IP) — and especially those who
rely on ...
1 month ago
-
Loopholes Singapore is on YOUTUBE!
-
LoopholesSG is renamed as 12Trade on YouTube! I will be compiling some of
the content from the blog, enhance with AI of course and
For more articles on f...
2 months ago
-
ThaiBev – Attractive Valuations; Muted Expectations and Market Underweight
— A Potential Black Horse for 2026 (23 Nov 25)
-
ThaiBev looks interesting given attractive valuations; muted expectations
and investors underweight position in this stock vis-à-vis other stocks
The pos...
2 months ago
-
What Shall We Do About VERS?
-
VERS (Voluntary Early Redevelopment Scheme) in Singapore is a buyback
programme for HDB flats that are around 70 years old
The post What Shall We Do Abou...
2 months ago
-
iFAST 3Q25: Achieving record AUA
-
“In 3Q2025, positive investor sentiment in the global markets rally led to
some depositors transferring their funds via the iFAST Bridge to their
wealth ma...
3 months ago
-
A Heartfelt Farewell – Stepping Back from the Blog
-
Since starting this blog on 1 January 2019, I’ve spent countless hours
creating posts, charts, and resources about Singapore REITs. Over the
years, it ha...
3 months ago
-
Should You Invest in a Fruit Juice Vending Machine Franchise?
-
Recently, I was at Franchising and Licensing Asia (FLA) 2025 to help out my
friends at The Financial Coconut who were running their live-streaming
booth at...
3 months ago
-
$213,172 Passive Income.
-
It has been a while since my last blog.Hope everyone is doing well.Instead
of revealing the numbers at the end of the blog, I have put it in the title
this...
3 months ago
-
New milestone - $500,000 portfolio
-
*New milestone achieved!*
My stock portfolio market value crossed $500,000 on 1 Sep 2025.
$100k (Dec 2017) -------> $200k (Apr 2020) ---> $300k (Nov 2...
4 months ago
-
Is Suntec REIT A Good Buy Now In 2025?
-
Suntec REIT (SGX: T82U) is one of the pioneer composite REITs in Singapore,
with income-producing real estate primarily used for office and retail
purposes...
5 months ago
-
A brief H1 2025 financial update on my portfolio as almost everything hit
all time high!
-
Writing a brief H1 2025 financial update on my portfolio as almost
everything hit all time high! Frankly speaking, I never expect such a
performance as a...
6 months ago
-
60% of Singaporeans Live Paycheck to Paycheck
-
A recently published report from global payroll and HR solutions provider
ADP featured in a Singapore Business Review article reveals a staggering
truth ...
7 months ago
-
Being hedged is like you wearing an underwear while eating Mala!
-
As HDB prices soars to new ATH (1.5M hDb???) and BTC makes new ATH, i
remain concern about prices moving forward. Tariff suspended / 30 years
Bond ATH / Mo...
8 months ago
-
What do you think I should do now with the ongoing tariffs and trade wars?
-
I couldn’t resist writing about the market crashes caused by the ongoing
tariffs and trade wars. Lots of sg finance bloggers are writing about what
they ar...
9 months ago
-
Singapore Budget 2025: Key Takeaways & What It Means for You
-
Singapore Budget 2025: Key Takeaways & What It Means for You As Singapore
turns 60 in 2025, the nation’s latest budget reflects both celebration and
pra...
11 months ago
-
Feb 2025 – Portfolio Transactions Update
-
No. Counters No. of Shares Market Price Total Value (SGD) Allocation % 1.
Alibaba 3,200 USD 100 SGD 435,200 32% 2. Tencent 5,500 HKD 418 SGD 390,830
29% ...
11 months ago
-
Top 10 Highlights of 2024
-
As a dragon baby navigating the Year of the Dragon, it is inevitable that I
experienced more downs than ups in 2024. Whether it is at work, familial
rela...
1 year ago
-
My Passive Income Diary: November 2024
-
If you have yet to read my previous month update, here is the link:
https://justbeingernest.blogspot.com/2024/11/my-passive-income-diary-october-2024....
1 year ago
-
Webinar: Investment Strategies for Q4 2024: Navigating Rate Cuts and
China’s Market Rally
-
16th October, 2024, 1:09 PM I will be speaking in an upcoming LIVE
webinar on 23rd Oct (Wed) organized by Holistic Wealth Planners. As we
enter Q4 2024...
1 year ago
-
Turning Disadvantage into Superpower | Matt Harty (The Trade Desk [Asia] /
SOLV Technology)
-
Turning Disadvantage into Superpower | Matt Harty (The Trade Desk [Asia] /
SOLV Technology)
I feel so privileged to have met Matt Harty. Listening to his...
1 year ago
-
The Stigma against Early Retirement (FIRE)
-
Retirement is a word that invokes fear.
The fear of not having enough money to retire. The fear of money running
out during retirement. The fear of the r...
1 year ago
-
Starting on a new telegram channel
-
Hi everyone! It’s been a few months since our last update. When we first
started in 2021, we wrote our updates quite regularly, and we want to see
if we ca...
1 year ago
-
APAC Markets: First Trends in 2024
-
Last year’s high flyer Japan led the list of the best-performing markets in
Asia-Pacific in January. Our regular ranking of the stock markets in
Asia-Pac...
1 year ago
-
Привет, мир!
-
Добро пожаловать в WordPress. Это ваша первая запись. Отредактируйте или
удалите ее, затем начинайте создавать!
2 years ago
-
2023 Review – How is Miss Niao after 8 years?
-
2023 marks the 8th year since the birth of this blog, and the first year of
life of my baby girl. Life is different when two becomes three. Life seems
to b...
2 years ago
-
Rolf 2023 in Review, Looking forward to 2024!
-
Happy new year to all. This post came late. But better late than never,
:-). Looking back, 2023 has been one of the most eventful
The post Rolf 2023 in R...
2 years ago
-
September Portfolio Update: A Season of Change and Strategic Shifts
-
As September rolls in, it brings along a whirlpool of changes in my
investment horizon. The past three months have been somewhat of a still
water phase w...
2 years ago
-
Technical Analysis May 2023: OMESTI (BURSA: 9008)
-
OMESTI BERHAD
Observation from Chart:
OMESTI (9008) forming lower high & lower low.
Will it breakout downtrend resistance level?
Other indicator:-
M...
2 years ago
-
Dear friends of CW8888
-
Dear friends,
My family and I would like to express our thanks for the many kind thoughts
and messages extended our way over the past weeks, particularly...
2 years ago
-
Farewell, Uncle CW8888
-
On 8 April 2023, I lost a friend.
To honour the memory of Uncle CW8888, let me share a few nuggets of wisdom
I have learned from him as well as some of t...
2 years ago
-
To my beloved friend CW8888
-
It is with infinite sadness that I came out from my hiding hole to blog
about the passing of a dear friend, CW8888, whom I affectionately call
senior bro...
2 years ago
-
Takeaways from “Sea Change”
-
Howard Marks, a billionaire and founder of Oaktree Capital Management, is
known to be a critical thinker and he shares his views openly in his memos.
He ...
3 years ago
-
BRC Asia - Phillip Securities 2022-08-04: Construction Sector Recovery
Remains On Track
-
[image: BRC ASIA LIMITED (SGX:BEC) | SGinvestors.io]BRC ASIA LIMITED (
SGX:BEC)
BRC Asia - Construction Sector Recovery Remains On Track
- BRC Asia (SG...
3 years ago
-
Simsville raises reserve price for potential en bloc sale to top S$1B
-
[image: SimsVille Condominium in Singapore’s Geylang neighbourhood]The
reserve price for the potential Simsville en bloc sale has been raised to
S$1.05 b...
3 years ago
-
Cryptocurrency
-
Believe by now majority should have heard about the crypto crash.
There was quite a number of times, my PYM subscribers asked why am I not
into crypto as t...
3 years ago
-
We lost >2 million SGD in the Collapse of Terra LUNA & Good Bye
-
After the "Great Depeg" of UST and the collapse of Terra LUNA, we received
lots of messages, emails and comments. Usually, I would try to reply to all
of t...
3 years ago
-
1 Year in NUS – Portfolio Update and 15% Yield on USDC!
-
Hello! I am sure it has been almost close to a year since I updated this
blog. I sincerely apologised for my inactiveness in updating my blog as I
have bec...
3 years ago
-
What Is Money?
-
What is money? M1 is a measure of the country’s money supply. This includes
all currency held by the public, and all transaction deposits in depository
i...
3 years ago
-
Hello world!
-
Welcome to WordPress. This is your first post. Edit or delete it, then
start writing!
3 years ago
-
Ultimate List of Gluten-Free and Gluten-Free Friendly Restaurants and Cafes
in Singapore
-
We've compiled a list (and map) over 60 gluten-free friendly restaurants
and cafes!
The post Ultimate List of Gluten-Free and Gluten-Free Friendly Resta...
3 years ago
-
Actual Hospital Bill for Normal Delivery - Thomson Medical vs. Mount
Alvernia vs. Mount Elizabeth
-
*How much does it cost to give birth in Singapore today amidst the
pandemic? If you intend to deliver in a private hospital, these 6 bills
from different...
3 years ago
-
Bumitama Agri: Reaping a bumper harvest
-
Bumitama Agri has caught my attention recently. According to DBS, it is
trading below its average PE multiple, and far below the multiple of its
peers. I a...
4 years ago
-
2021 Performance Scorecard
-
Here's my performance scorecard for 2021
The post 2021 Performance Scorecard appeared first on Risk N Returns.
4 years ago
-
Are crypto the new stocks?
-
Your takeaway: Crypto tokens are flexible creations. Many crypto tokens
were created with a strong similarity to stocks, which make them …
Continue read...
4 years ago
-
Manulife US REIT: A Positive Strategy Divergence
-
Fuelling the Next Leap in Growth through the Sun Belt and Emerging Markets
by: Tam Ging Wien
------------------------------
*All examples and stocks quote...
4 years ago
-
Guide to HDB Resale Application (Without Agent)
-
1. Register Intend to Buy
This is the very first step to do and a very simple application to register
your intend to purchase a flat. The application is ...
4 years ago
-
06 August 2021 - Portfolio in Paper Loss Due to China Crack Down
-
*I am not a financial advisor and this post is purely my views. It is not
investment advice or reference material to make any decision. **I am
vested in...
4 years ago
-
CPF Balances Update – June 2021
-
It is the end of June with all mandatory contributions in for the month. SA
balance currently stands at $129,039.53, more than half of 2021 FRS or
69.4% of...
4 years ago
-
New Email Delivery Services - Follow It
-
This post is intended for long time followers of Singapore IPOs and SRS
Retirement Fund who have been receiving daily email updates. As Feedburner
has deci...
4 years ago
-
New Email Delivery Services - Follow It
-
This post is intended for long time followers of Singapore IPOs and SRS
Retirement Fund who have been receiving daily email updates. As Feedburner
has deci...
4 years ago
-
Straits Times Index (Week of 7 June 2021)
-
The Straits Times Index (STI) opened this Monday morning at 3,169.69
points, how will it fare in the near future?
After reopening most of Singapore's ec...
4 years ago
-
GMS Short Term now Risk-Off [Mid-week update]
-
Meaningful spike in the $VIX as mentioned in our post on Sunday with the
$VIX now decently above 20. Conditions are still deteriorating across asset
classe...
4 years ago
-
How much can you put in your Medisave Account?
-
It has been ages since i’ve written anything. Ever since we came out of
lock down the option to work from home no longer existed for Mr Kua Simi.
It didn’t...
5 years ago
-
CPF Top Ups
-
I took a leap of faith and decided into topping up my CPF Medisave Account
yesterday.
Amidst the frenzy market movements so far, I always wonder if giving...
5 years ago
-
Thinking, Fast and Slow - Selling Winners Too Early and Keeping Losers For
Too Long
-
In the previous few posts, I have touched on the topics of Anchoring Effect
, Prospect Theory, Endowment Effect and Narrow Framing in the book review
of *...
5 years ago
-
Trading Idea: Long SGD/TKX
-
1. TKX has broken 100-day mark and it is gaining momentum.
2. With the rising momentum and diminishing supply, it is expected to
test the 0....
5 years ago
-
weekly review #5 2020
-
*Thoughts*
There's a new bug in town, and it is causing quite a bit of scare.My
trading positions are down, in fact my income positions too!but i guess
thi...
5 years ago
-
-
Boring Turtle History of Cash Top-Up and Voluntary Contribution
-
Old Turtle is going to touch on a very sensitive and taboo topic in
Singapore once again on CPF aka Central Provident Funds. I got some really
nasty comme...
6 years ago
-
Portfolio as of 31 December 2019
-
The counters on the SGX that I am holding as of 31 December 2019 are as
follows:
and on the Bursa are as follows:
A counter that appears both h...
6 years ago
-
Thoughts on a 27 Year Old Researcher Spending Profile
-
So there was an interesting article from Cleo Singapore that was reproduced
on AsiaOne about a 27 year old.
As an overview, I thought it was nice that she...
6 years ago
-
2019 Portfolio Review
-
I am becoming lazy to doing updates...
Time flies and 2019 is gone. All my tradings are done and all dividends
are collected. It is time to do a final r...
6 years ago
-
There are some things more important than money.. it is our lives.
-
*p.s. This past month has been busy for me, I was away on a business trip
(my first!) and I did some buy/sell for my portfolio which I will post in a
separ...
6 years ago
-
DEBT, DEBT, DEBT!
-
Date: 2019-07-17
Source: IMF blog
Article 1: https://blogs.imf.org/2018/04/18/bringing-down-high-debt/
Global debt hit a new record high of $164 trillion i...
6 years ago
-
Learning through cheap books/internet versus expensive training courses
-
I have never attended any trading/investment courses before. Not even free
ones which are usually sales preview. I declare upfront that I am
personally bia...
7 years ago
-
Being Frugal or Being Cheapskate?
-
Everyone is born with a different spoon in their mouth. Some entered the
world with a golden spoon right up while some are out with a plastic one.
Nonethel...
7 years ago
-
Portfolio Update - 2018 Aug
-
What a way to end my first year of investing journey! My two top holdings:
the AA tag team, AEM & AMAL, were whacked upside down furiously. Could
never ima...
7 years ago
-
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