Negative Interest Rates Represent Deflation
Singapore Stock Investment Research
-
DBS, OCBC and UOB. "Evening With AK 2025."
-
With DBS, OCBC and UOB doing so well in 3Q 2024, I had to take time off
from gaming to produce a series of videos.For those of you who do not
follow me on ...
1 hour ago
-
Amazon Q3 2024 earnings call: AWS leads with record profit margins
-
Amazon is one of the largest online marketplaces in the world, offering
everything from books and electronics to clothing, groceries, and home
goods. Bey...
2 hours ago
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Guide To Investing In The Indian Stock Market’s Nifty 50 Companies
-
[image: Indian rupee - invest in India]
65% of India's 1.4 billion population is under 35 years old.
The post Guide To Investing In The Indian Stock Market...
2 hours ago
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Income Investors Alert: 4 Singapore Stocks Declaring Dividends This
Earnings Season
-
[image: Singapore Airlines]
Here are four Singapore stocks that announced dividends recently.
The post Income Investors Alert: 4 Singapore Stocks Declaring...
4 hours ago
-
Yangzijiang Shipbuilding
-
[image: Yangzijiang Shipbuilding]
Excerpts from CGS International report Yangzijiang Shipbuilding (SGX: BS6)
The containership contracts that Yangzijiang ...
4 hours ago
-
Initiated A New Position To Diversify Away From REITs
-
As per my previous post, I wanted to rebalance my portfolio to gradually
make my overall portfolio a little more diversified, because currently,
based on...
11 hours ago
-
US core inflation is not moving any lower now.
-
US core inflation (MOM): 0.3%
US core inflation (YOY): 3.3%
The US core inflation is not moving any lower as projected and this has
dimmed any hope of mo...
13 hours ago
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Ventas announces public offering of 10.6 million shares
-
NYSE-listed senior housing and medical facilities REIT Ventas has launched
an underwritten public offering of 10.6 million shares of its common stock.
The ...
16 hours ago
-
-
-
Fast Growers Shine Again: Arista Networks, Shopify, The Trade Desk
-
While tech titans continue to dominate headlines, a trio of smaller but
faster-growing companies are making waves in their respective industries.
Do not be...
18 hours ago
-
Amazon Launches Haul, Spotify Goes Video
-
Big Tech are powerful but they aren’t without competition. To counter
Temu’s aggressive rise, Amazon recently launched Amazon Haul, a
budget-focused stor...
1 day ago
-
ICYMI: YOU CAN BUY BYD, HSBC STOCKS ON SGX!
-
Dear readers, in case you missed it (ICYMI), do you know you can buy BYD,
HSBC and some selected stocks which are listed on Hong Kong stock exchange
righ...
1 day ago
-
AIMS APAC REIT's 1H FY25 Result Review
-
*Basic Profile & Key Statistics*
*Key Indicators*
*Performance Highlight*
Gross revenue, NPI and distributions to unitholders improved YoY, driven by
re...
1 day ago
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Best Dining Out Deals in Singapore! 1 for 1 Deals & more! (2024)
-
Singapore is a food haven. With inflation hot on everyone’s tails, dining
out can cost a pretty penny. But it doesn’t have to be! Here are some of
the be...
1 day ago
-
Why Everyone is Rushing to Buy New Launch Condo Property Now
-
Recent news in Singapore is buzzing with excitement over new launches. Some
of the hottest headlines right now include: Freehold Meyer Blue condo sells
h...
1 day ago
-
𝐖𝐡𝐲 𝐭𝐡𝐞 𝐃𝐨𝐰, 𝐒&𝐏, 𝐍𝐚𝐬𝐝𝐚𝐪, 𝐚𝐧𝐝 𝐒𝐓𝐈 𝐚𝐫𝐞 𝐒𝐞𝐭
𝐟𝐨𝐫 𝐌𝐨𝐫𝐞 𝐇𝐢𝐠𝐡𝐬 𝐢𝐧 𝟐𝟎𝟐𝟓
-
Wondering what's next for the stock market?
📈 In this video, we dive into the latest technical analysis of the Dow
Jones, S&P 500, Nasdaq, and S...
2 days ago
-
Which Fixed Income Investment Is The Best In Singapore? (Nov 2024)
-
As inflation has slowed down and stabilized over the past few months, the
first rate cut has finally come in September during the last FOMC meeting.
A 50 b...
2 days ago
-
CICT Divests 21 Collyer Quay
-
My Sweet Retirement
CICT Divests 21 Collyer Quay
On 11 November 2024, CICT (CapitaLand Integrated Commercial Trust) divests
21 Collyer Quay for S$688 mil...
2 days ago
-
Key Highlights from EC World REIT’s Q3 and 9M FY2024 Results
-
[image: Key Highlights from EC World REIT’s Q3 and 9M FY2024 Results]
Distressed China-based, Singapore-listed EC World REIT (SGX: BWCU) released
its resul...
2 days ago
-
CPF Special Account Shielding Strategy Still Working Meh?
-
Interestingly, I came across a CPF Special Account ("SA") shielding post by
Kilde while browsing on SG Investment Blogger. It was published in June 24,
2...
3 days ago
-
Singapore REITs Monthly Update (November 10th, 2024)
-
Technical Analysis of FTSE ST REIT Index (FSTAS351020) FTSE ST Real
Estate Investment Trusts (FTSE ST REIT Index) decreased from 700.03 to
649.94 (-7.1...
3 days ago
-
First Reit – 1st healthcare reit listed on SGX (11 Nov 24)
-
Dear all I am sure everybody here is familiar with Parkway Life Reit. It
owns 64 properties located in the Asia Pacific region, with a total
portfolio size...
3 days ago
-
The Best Investment Theme For The New Trump Presidency
-
There is no shortage of investing ideas being thrown around that could
potentially do well under the new Trump administration - but what would
actually w...
3 days ago
-
Syfe (Singapore) Is Profitable, Launches Early Employee Share Buyback
-
In recent months, Syfe made two announcements that piqued my interest as an
investor who has been actively using their products and services for the
past...
4 days ago
-
Cory Diary : Portfolio Management Update
-
Democrats have suffered a shocking defeat. The concerns I have heard
include illegal immigration taking away low-income jobs and depressing
local wages, th...
4 days ago
-
Fixing My Broken Palantir Trade (SELL CALL) | How To Fix A Broken Short
CALL Contract?
-
My biggest mistake in 2021/2022 was to build up a LEAPS portfolio amounting
to more than 400k and to lose all of them in 2022 bear market. My biggest
mista...
1 week ago
-
How To Trade Forex With A Small Trading Account
-
Discover how to start trading live with a small account in forex so that
you can profit as soon as possible with as little money as possible based
on you...
1 week ago
-
How to Convert Your $200 NS Credits to Cash (2024)
-
[image: How to Cash Out Your $200 NS LifeSG Credits 2024]
Wondering how to convert your $200 worth of National Service (NS) LifeSG
credits into cold hard c...
1 week ago
-
Avoid these 4 mistakes when collecting your VEP RFID tag in Paradigm Mall
(JB, Malaysia)
-
Wef from 1st Nov 2024, you can collect your VEP RFID tag in Paradigm Mall.
*Mistake 1:* Do not enter the first parking entrance. Instead, turn right...
1 week ago
-
Dividend and portfolio update October 2024
-
Added the following stocks this month
MISC (bursa stocks)
THG
Hang Seng Bank (x2 shots)
The dividend by month will be omited cos it looks messy fr...
1 week ago
-
Thoughts #36: 100 Years
-
As humans continue to live longer, it is not inconceivable that we could
live up to 100 years. Monaco's life expectancy is at 89.5 years, with
females hi...
1 week ago
-
My Investment Portfolio - SG (End Oct 2024)
-
Stockcafe
Transactions:
- Added 3,500 units of CapitaLand Integrated Commercial Trust from
preferential offering.
I was very surprised when I was allo...
2 weeks ago
-
My Investment Portfolio (October 2024)
-
STI ended October at around 3558 points, down a bit as compared to last
month. Early in the month, investors were concerned with escalating
tensions in t...
2 weeks ago
-
Mapletree Logistics Trust share price lost its way
-
Lifetime Membership As we approach the end of the year, its time to review
the performance of Mapletree Logistics Trust share price. And the diagnosis
do...
2 weeks ago
-
-
My Passive Income Diary: September 2024
-
If you have yet to read my previous month update, here is the link:
https://justbeingernest.blogspot.com/2024/09/my-passive-income-diary-august-2024.ht...
3 weeks ago
-
Asset Allocation for Cash, Bonds and Stocks Based on Risk Tolerance
-
In our previous post How Risk Tolerance and Assets Allocation Go Together,
we investigate how using our own risk tolerance,
The post Asset Allocation for...
3 weeks ago
-
Portfolio Update September 2024 – Fed Rate Cut Sparked Portfolio Gains
-
Thanks to the Fed cutting interest rates by 50 bps and sparking a rally in
almost every asset class, our tech-heavy portfolios benefitted greatly.
Since
...
4 weeks ago
-
Are You Asking the Right Questions in Your Portfolio Review? AI Can Help
-
Last week, I had an insightful conversation with my friends about financial
planning. I remembered a story that my friend shared with us. His friend’s
moth...
4 weeks 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...
4 weeks ago
-
A Misconception About Investing Risk and Market Volatility
-
Volatility ≠ Risk When it comes to investing, there’s a big misconception
that volatility equals risk. It’s something you hear all the time in the
financi...
4 weeks ago
-
4 years expenses (Honda Civic 1.5 Turbo)
-
I managed to record down my past 4 years expenses on my new car, Honda
Civic 1.5 Turbo in great details. In average, I spent about *S$427 per
month* for ...
4 weeks ago
-
the yieeeld generator.
-
a follow up to my previous post. if you’re wondering how’s my week been,
i’ve been busy testing out different LP styles and models to get the best
yield. T...
4 weeks ago
-
Q3 Portfolio Review | Reaching $150,000 but not there yet
-
I feel like time is passing really fast, I thought 2024 just started like a
few weeks ago haha but now I am writing the portfolio review for the 3rd
quar...
5 weeks ago
-
3 Ways to Play the China Stocks
-
It’s been a while since I last did an update of the blog again as I
recently joined another firm which keeps me busy, and I was restricted to
make too mu...
5 weeks ago
-
Some thoughts on the Chinese equities rally
-
I haven’t been blogging for quite a while. There are various reasons, such
as being busier at work, finding interest in other aspects of my life, or
just p...
5 weeks ago
-
Dividend Warrior 9M2024 Portfolio Update - SREITs Rally! New All-Time High
In Portfolio Value!
-
*Equity Portfolio Cost:* S$611, 230
*Equity Portfolio Market Value: *S$784, 522
*Equity Portfolio **Unrealised** Profit:* +S$173, 292 (*+28.3%*)
*Por...
5 weeks ago
-
Sep2024 Finance update-Monthly Dividend/Interest received $19.5K Q3 total
$43k
-
Sep2024 Dividend/Interest received hit ATH at $19.5K. YTD Investment income
= Dividend/Interest =$106K +trade profit $28k hit $134k after realizing
some...
5 weeks ago
-
Summary of September 2024
-
*Investment*
$1,904.02 collected in dividends from Ascendas Reit, MIT, MLT, CLCT and
CICT. Lol all the acronyms.
Also collected 200 scrips from MLT and ...
1 month ago
-
Singapore Savings Bonds SSB November 2024 Yield Fell to 2.56% (SBNOV24
GX24110N)
-
Here is a safe way to save money you have no idea when you will need to use
or your emergency fund. The November 2024 …
The post Singapore Savings Bonds ...
1 month ago
-
September 2024 Portfolio Update
-
As I wrote, Alibaba just closed another 7.3% up in one day. CSI300 index
went up about 7.21% itself (at one point, it was 10%).
"The boat has left the.....
1 month ago
-
How I feel about the China Stock Market Boom
-
Clearly, the global markets are currently focusing on the china market.
Many have been saying that it is because of the statement released from
For more ...
1 month ago
-
Investing in Lincotrade: A Strategic Opportunity Amidst Falling Interest
Rates
-
After the Fed cut rates by 50 basis points last Wednesday, I began
exploring industries that might benefit from the potential ongoing interest
rate reduc...
1 month ago
-
ThumbTack Fund Report 24 – USD 5Mil in < 5 Years!
-
4 Years, 6 Months, 29 Days That’s how long I took to grow TTF from scratch
into a 5mil USD fund. TTF was started on the 1st Feb 2020, with an initial
seed ...
2 months ago
-
MSC: Mission Critical distributor
-
DISCLOSURE: I recently bought shares in MSC Industrial Supply and this post
isn’t investment advice. MSC Industrial Supply (MSC) is one of the largest
US m...
2 months ago
-
Random thoughts: Air Drying of car
-
I left the car washing bay after I vacuum my car.
The driver in waiting was quite surprised, and ask me:" you not wiping your
car dry?"
I replied:" I am a...
3 months ago
-
Does the SGX need to be revived?
-
Recently, there have been a lot of calls to revive Singapore’s equity
markets. The issue has been brought up in parliament (see here) and the
local papers ...
3 months 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...
3 months ago
-
My Family Holiday To Thailand’s Bangkok With 2 Kids
-
[image: family-holiday-to-thailand-bangkok]
This was the first time that my family is travelling with 2 kids, a
prospect that I quietly fear because I do n...
3 months ago
-
How much money does a couple need to earn in order to afford a Million
dollar HDB flat?
-
10 years ago in 2014, I wrote about how much does a couple need to earn in
order to afford a $300,000 HDB flat. The post went viral at that time
because ...
4 months 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...
4 months 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...
4 months ago
-
VIM Introduces New Logo & Reflects on It’s Transformation over the Years
-
I just turned 31 recently and usually on my birthdays, it's always feels
like the right time to reflect on my ...
The post VIM Introduces New Logo & Refl...
5 months ago
-
The Market Is A Scam!
-
The market has been a big giant scam during the past decade, especially to
value investors primarily focused on the Singapore or Hong Kong/China
markets.…
8 months 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...
8 months ago
-
Привет, мир!
-
Добро пожаловать в WordPress. Это ваша первая запись. Отредактируйте или
удалите ее, затем начинайте создавать!
9 months ago
-
Portfolio Review 2023: Outlook 2024
-
It is now 5 years, 10 months and 21 days ago since I started my investing
journey at the age of 30 (February 19th 2018). I'm actually going to become
37 ...
10 months 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...
10 months 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...
10 months ago
-
Portfolio Closing 2023
-
STI closed at 3237
DBS ($33.41)
UOB ($28.45)
ParagonReit ($0.885)
NetLink Trust ($0.84)
SingTel ($2.47)
StarHub ($1.11)
CityDev ($6.65
Keppel Infra Trus...
10 months 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...
1 year ago
-
Stacking UOB One Bank Account & T-Bills and Monthly Investment Plans
-
Can’t believe it’s already June! The weather has been so hot and humid with
occasional sudden drastic changes from sunny to rainy in the same day. My
older...
1 year 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...
1 year 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...
1 year ago
-
Type of Trading Orders
-
*Types of Trading Orders*
For enrolment of advance trading orders, please contact your broker
*Day:* An order that is valid for the current trading day a...
1 year 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...
1 year 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...
1 year 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 ...
1 year ago
-
Walter Schloss的话
-
晋升的最佳途径是给公司带来生意。不是你知道多少，更重要的是你认识谁。没有关系，寸步难行。
投资界能言善辩，智力出众的人不在少数，许多人说得头头是道。
投资这行让人变得谦逊，他们对自己也很有信心。
(Ben Graham)但是为了避免危机，他也错过了很多机会。这在所难免，亏是亏不了，但...
2 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...
2 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...
2 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...
2 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...
2 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...
2 years ago
-
Picking the right Valentine. A much more difficult task than picking the
right stocks
-
9 years ago, I wrote about choosing your Valentine from a value investing
standpoint. What I wrote then still stands today,
Beauty is over-rated and is a...
2 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...
2 years ago
-
Hello world!
-
Welcome to WordPress. This is your first post. Edit or delete it, then
start writing!
2 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...
2 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...
2 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...
2 years ago
-
Portfolio Review 2021
-
* (SGD) Portfolio Value and Asset Allocation*
*Top 3 Holdings (SGX)*
*Top 3 Holdings (Non-SGX)*
*Performance (SGD)*
*Dividends (SGD...
2 years ago
-
2021 Portfolio Review (Part 2)
-
Stock Market is a dangerous place. However, placing money in the bank would
also erode value as the bank interest is near to nothing.
*Portfolio Restruct...
2 years ago
-
2021 Performance Scorecard
-
Here's my performance scorecard for 2021
The post 2021 Performance Scorecard appeared first on Risk N Returns.
2 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...
2 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...
2 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 ...
2 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...
3 years ago
-
1H2021 In 10 Mins
-
If one were to wonder, it has slowly becomes a thing in my recent writing
style that I’m disclosing lesser details compared to what I would have done
in ...
3 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...
3 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...
3 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...
3 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...
3 years ago
-
OCBC Dividend too
-
Another choice to make here: OCBC is offering a cash or stock option.
Similarly to Mapletree NAC, I think cash is the way to go for this time too
as I...
3 years ago
-
How Much Have I Saved on Electricity Bill?
-
With the nationwide launch of the Open Electricity Market (OEM) back in
2018, I have made the switch to an electricity retailer, Geneco in March
2019.
...
3 years ago
-
Confirmation Bias Is Scarily Common Among Investors
-
Confirmation bias is the tendency for people to cherry-pick and interpret
information that support their existing beliefs. This often results in
contradi...
3 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...
3 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...
3 years ago
-
Quick look back of 2020
-
It has been 3.5 years since I started my investing journey back in Aug
2017, and last year was the first year I had positive P&L (apart from 2017
where I...
3 years ago
-
[Thoughts] Hello December! A summary of the Year
-
Hello Everyone, i am still doing my weekly scans, but selectively sharing
to gain perspective, rather than prove to anything to anyone.
If you interested t...
3 years ago
-
Portfolio as of 30 November 2020
-
The counters on the SGX that I am holding as of 30 Nov 2020 are as follows:
AEM
Ascendas Reit
CapLand IntCom T
DBS
Frasers Cpt Tr
Frasers L&T Tr
Hongkong La...
3 years ago
-
Paying lesser property tax on multiple properties
-
Property tax is something we have to pay when we own any property. The
owner-occupied property incurs less tax than one that is not
owner-occupied.
Let...
4 years ago
-
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