Saturday, April 10, 2021

Syfe REIT+ Investment

As a follow-up to my earlier post (here) in comparing my recent allocation of fund and experience into Endowus, Syfe and StashAway, I've indicated that I intend to allocate additional fund into Syfe REIT+ portfolio, hence this post. 

Last week, I've successfully injected additional S$6K into Syfe REIT+ portfolio (I've chosen the 100% REIT allocation option and not the ARI, Automated Risk-managed Investment option in view of the small size of my fund). The Syfe REIT+ portfolio is closely replicate the performance of the SGX iEdge S-REIT Leaders Index (which cover about 10 high quality REITs in Singapore). Also, it offer the feature to re-invest the dividend automatically into the portfolio, which is perfect. 

My intention is to leave the fund here for longer term, I will review the performance again (probably in a couple of months) and decide whether to further inject new fund into this portfolio. 

If you are keen to explore this platform, do feel free to use my referral code of SRPTG2S4L to enjoy the fee waiver of up to 6 months on first S30,000 investment.


Wednesday, March 17, 2021

Endowus , Syfe and StashAway : My experience So Far

In an attempt to find better way to simplify how I make the equities investment (I must admit that I am poor at stock picking and timing the market), I've been trying out a number of robo-advisors (all regulated by MAS) which are quite popular locally, in the past few months. 

So, this post is to share my experience thus far on each of these platforms. The 3 platforms that I will be touching on are :

1. Syfe - Started since Dec 2020 (for my cash investment)

2. StashAway - Started since Dec 2020 (for my SRS investment)

3. Endowus  - Started since Mar 2021 (for my CPF-OA investment)

Note: a. As I am investing varying amounts in each of these platforms, so I will indicate their performances in % for better comparison. b. I've chosen the portfolio with "higher return potential" in all my initial investments.   

1. Syfe

a. App experience: The App's UI  is sleek and easy to use. The App UI has been slightly revamped recently, once you get the hang of it, it's easy-peasy. Also, the funding/deposit process is quite straight-forward, for depositing from local banks, you can use either PayNow (via UEN) or FAST/GIRO transfer via Internet Banking. 

b. Investment details: You can select from a few of the predetermined core portfolio i.e. Core Growth (my choice), Core Balanced, Core Defensive, Cash+ or REIT+ (latest addition). Once you've chosen the portfolio (you can choose multiple portfolio for your investments), you will be able to see the actual funds/stocks purchased and the fees paid (if any) upon clicking into the portfolio.

c. Investment Performance (from Dec 2020 till Mar 2021): 5.74% (Time weighted Return)    

d. Other Useful Stuff: The same App contain Knowledge (or educational) section covering Guides, Advices, Magazines and even Webinars on anything and everything about personal investing.   

e. My take so far: I am quite happy with my experience so far and the next portfolio that I will be interested to explore further is their REIT+ portfolio.  If you are keen to explore this platform, do feel free to use my referral code of SRPTG2S4L to enjoy the fee waiver of up to 6 months on first S30,000 investment. 

2. StashAway:

a. App experience: The App's UI  is slightly more complicated but still not difficult to maneuver around. As I am in vesting my SRS amount in this platform, I just need to link my SRS Account and indicate the amount to begin my investment. For cash investment, the funding/deposit process is quite straight-forward, for depositing from local banks, you can use either PayNow (via UEN) or bank transfer via Internet Banking. 

b. Investment details: You can select from a few of the predetermined core portfolio i.e. General Investing (my choice), Goal-Based Investing or Income Portfolio. Once you've chosen the portfolio (you can choose multiple portfolio for your investments), you will be able to see the actual funds/stocks purchased and the fees paid (if any) upon clicking into the portfolio.

c. Investment Performance (from Dec 2020 till Mar 2021): 6.63% (Time weighted Return)    

d. Other Useful Stuff: The same App contain Academy section covering videos and articles as well as upcoming events on anything and everything about personal investing.   

e. My take so far: I am quite happy with my experience so far and I will consider continue to invest my SRS fund in this platform going forward.  If you are keen to explore this platform, do feel free to use my referral code here  to enjoy the fee waiver of up to 6 months on first S10,000 investment. 

3. Endowus:

a. App experience: As I need to complete the "ABS-SAS eLearning Module for Unit Trusts and Investment-Linked Insurance Products" and upload my certificate online once I passed, it took me ahile before my onboarding process is finally completed in Mar 2021. The App's UI  is clean and professionally look, not difficult to maneuver around. As I am investing my CPF-OA amount in this platform, I just need to link my CPF-OA Account and indicate the amount to begin my investment. For cash investment, the funding/deposit process is quite straight-forward, for depositing from local banks, you can use either PayNow (via UEN) or bank transfer via Internet Banking. So far, this is the only robo-advisor platforms (among the three) that allow the source of fund from Cash, SRS and CPF-OA. 

b. Investment details: You can select from a few of the predetermined core portfolio i.e. General Wealth Accumulation (my choice), Cash Smart, Fund Smart. Once you've chosen the portfolio (you can choose multiple portfolio for your investments), you will be able to see the actual funds/stocks purchased and the fees paid (if any) upon clicking into the portfolio.

c. Investment Performance (from Mar 2021 till Mar 2021): 1.52% (Time weighted Return)    

d. Other Useful Stuff: N.A.

e. My take so far: I am still monitoring the performance of this portfolio as it is too early to assess at the moment.  If you are keen to explore this platform, do feel free to use my referral code here  to enjoy the fee waiver of up to 6 months on first S10,000 investment. 

Are you investing with any of the abovementioned Robo-adviser? What is your experience so far?


Thursday, March 4, 2021

3 Things I Leant From My Recent Medical Condition

Patient tag at the hospital

18 Feb 2021 (Thu) is just one of those mundane day, it is supposed to be just another normal work-from-home working day, but it is not. Wife told me that she has been noticing about the louder than normal "snoring" sound (even though I am wearing the nose-patch which deemed effective for the past few months), but I continue to "sleep". 

Why it is so "un-normal" for me? I felt like my body has insufficient energy to wake up (I usually woke up at 7AM during weekdays and it is already 8 AM but I am still "sleeping"). After a few nudged by wifey, finally managed to drag my body up from the bed and utter something that I myself also cannot apprehend. After tidying the bed a bit, I walk slowly but snake-ly towards the living room and "falled" straight on the sofa and remain there for awhile...

Wife noticed that something is not right for me, she recommended I see doctor and search for the GP near my house and wait for the clinic to open, she made an immediate phone-call reservation for the appointment. 

During this period, my walking is unstable and I faced difficulty in grinding out words that's considered audible and understandable... 

After a few test carried out by the GP, he recommended me to go straight to the SKGH (Sengkang General Hospital) A&E with a referral as he is suspecting that I am having a stroke symptoms... This strike me like an iron rod but life goes on (for the time being)...

Luckily SKGH is near my place and after waited for about 30-40 minutes, I finally seen the doctor (or nurse) and they have immediately sent me for the necessary lab-test like CT Scan etc...After waited for about 1-2 hours, a group of doctors finally told me that I am having a stroke (the exact medical term that they used in the MC is Thalamic stroke, left thalamic infarct) and need to admit me immediately for follow-up test (like MRI, Echocardiogram etc...) to counter confirm that my stroke condition is not worst than what has been shown in the CT Scan.
The "hole" that I will remember for life!

After 5 days/4 nights in the hospital and went through numerous tests (as mentioned above) and the daily (day and night) measures of my blood pressure and blood glucose (I was diagnosed to be a Diabetic one month ago and on daily medication), I am deemed "ready" to discharge from the hospital and to recuperate at home instead (with the 1 month MC given for stroke patient). 

I am still recuperating from my condition at the moment but as my condition is considered mild in nature (at least that's what I believed), I will do my best to come back stronger.  

So, following are the three things that I've learnt:
1. Even though my admission is considered urgent, I have LOG (Letter of Guarantee) from my company and I have Integrated Shield Plan as back-up plan, I still decided to stay in the B2 Class (with Government subsidy) ward. I am with 4 other patients in my ward but the doctors and nurses are equally professional and caring in their services. it also make the "stay" less boring. So why not?  Besides, with the recent news that the Riders of the Integrated Shield Plans are going to change to "with co-payment" Plan, I think it is only fair for us to "bear" some cost and choose the right services. Stay rightly!  

2. For the past one month, with the diagnosis of my Diabetes, I have been eating healthier and exercise more regularly (where possible), I don't anticipate that any such major illnesses (stroke, in this case) will hit me in such short time, but I am wrong. Never say never! Even though high chance that my case is  due to hereditary (my mum has diabetes/stroke prior to her passing on), it is still a factor that we all need to take into consideration when reviewing our health. Health is Wealth!

3. You are what you eat! Before discharge, we went through a session with Dietician on the diet that I should and should not take, it is a good news that for the past one month, my wife has been hitting the jackpot for all the food/fruits that I should take (in view of my diabetes condition), it also means that prior to this, I am a care-free person that eat anything/everything coming to me! Well, I am not able to turn back the clock now, the only thing that I can do now is to move forward and eat rightly (especially on the portion of food intake). Eat rightly! 

Thanks for reading and see you folks again. 


Wednesday, February 3, 2021

Cryptos (BTC, ETH, LTC) Transfer Speed and Cost (personal experience)

All along, I am holding most of my major cryptocurrencies (BTC, ETH and LTC) in Coinbase platform and I have been leaving it "dormant" there for quite awhile. As Coinbase no longer support withdrawal of cryptocurrencies via Xfers or local bank account, decided to transfer all my cryptocurrencies to another platform ( which is supporting Xfers (in case I need to transact in the near future).  

At the same time, I am also curious how long will it take for such transfer (it is not instant) and how much will it cost (not all is free) for each of the transfer?

Following are my findings:

1. For Ethereum (ETH) : took 8 minutes and cost me USD0.28 per USD100 (network fee)

2. For Litecoin (LTC) : took 3 minutes and cost me USD0.00 per USD100 (network fee)

3. For Bitcoin (BTC) : took 27 minutes and cost me USD0.13 per USD100 (network fee)

How I track the response time is based on the email notifications from Coinbase (the sending time) and Binance Sg (the receiving time).

From the above experience, the cheapest (free) and fastest crypto is Litecoin, the most expensive transfer is Ethereum (surprise, surprise, surprise) and the slowest is Bitcoin.

Of course, comparing to the traditional international fund transfer like West Union, the speed and cost of crypto transfer is still much cheaper. 

What is your experience of crypto transfer so far?


Saturday, January 30, 2021

Fixing Health

While many personal bloggers are busy discussing/blogging about the recent phenomena of GameStop share and make the Shorts Squeeze the trending phrase in Jan 2021, I am busy fixing my health. 

There are ample signs and symptom prior to this, my weight has been in declining mode for the past few months and physically it is quite obvious (at least from friends and relatives). High level estimate, I have lost more than 6 kg within 3 months. 

Last week, after an episode of vomiting and stomach discomfort, went to my GP and upon further blood test, I've been officially a Type 2 Diabetes patient (based on the recent report, 10.5% of Singapore population are diabetics, so ya, I am part of the statistic now). With my recent weight loss and the family history, it is not really a surprise. 

Immediately, what will be changing is my diet and close monitoring of my glucose level. I used to have sweet tooth (guess it play a major part here) and now will need to overhaul the food intake/variety. For monitoring my glucose level, thanks to the technology, I am able to track it by scanning instead of pricking via the Freestyle Libre device. It is easy to administer and totally painless too.  

Freestyle libre
Freestyle Libre pack

Freestyle libre
Freestyle Libre applicator (the real stuff)

Also, I've started the Diabetes medicine with immediate effect and due for a follow-up with the doctor sometime in Feb 2021. Well, life goes on and I will continue to do my weekend hiking/trailing where possible.

Wealth is great; Health is much better! Never too late to say this...


Friday, January 1, 2021

2021 - Look Back and Look Forward

Happy New Year 2021 to ALL!

Phew! We've finally ended the unforgiving year of 2020 and step into the new year with new hope (read vaccines). As the saying goes, TOMORROW WILL BE BETTER (明天会更好), let's keep going, keep smiling!

On my investment front, I've sold off all my DBS and OCBC shares recently with some small profit. Next, will be focusing on putting some fund in the lesser effort avenues like the Syfe (Referral Code : SRPTG2S4L) and StashAway platforms and let the professionals (or the robots) do the job on my behalf. Just completed the onboarding process not long ago and deposited some funds to try out the platforms. Let's see how it goes.  

I am also looking at Endowus platform to park some of my CPF fund but find that its onboarding process is much more complicated than the other two i.e. it requires me to take some online self-test in order to complete the registration. I guess it will take a while before I will complete the online test. 

On the personal front, 2020 is a year of ZERO oversea travel for us, except for our recent year-end "oversea" staycation at Sentosa. 2020 is also a year of LESS is MORE. Thanks to the Covid-19, most (if not all) of us spend less time physically with others but it also created opportunity for us to spend MORE time with those really close/dear to us. 

Covid-19 Vaccination administration has been kicked-off across the globe and hopefully we will soon be back to the new normal. Meanwhile, let's continue to stay vigilant and maintain the proper social distancing measures. 

If everything goes well, I hope we can travel leisurely again in 3rd or 4th quarter of 2021.      


Sunday, October 4, 2020

What's Next With My Singlife Account?

Since my last post on deploying part of my emergency fund to Singlife Account (click here to read more), there have been 2 major announcement related to Singlife, they are:

1. Merger of Aviva with Singlife with combined business valued at S$3.2 billions. It will be the biggest business deal in insurance sector in Singapore. Personally, I view this as a positive news, at least it demonstrates that Singlife  has already established a strong foothold here. For more details of the announcement, click here

2. With effect from 1 Nov 2020, the interest rate of Singlife Account will be reduced from 2.5% to 2.0% (p.a. on the first S$10K). This is deemed as a negative news for all the policyholders/account holders (me included) but since prior to signing-up the account, I am fully aware that the interest rate quoted is not-guarantee, so future adjustment is expected, just didn't see it coming so fast. 

Having said that, you are still able to earn up to 2.5% (p.a. on the first S$10K) via the following simple steps:   

credit: Singlife

So, what's next with my Singlife Account? For my case, it's an easy decision. I will continue to keep my Singlife Account for the following reasons:

1. Even after the interest reduction (to 2.0% p.a.), it is still one of the most competitive interest rate available in the market now.

2. I am still able to withdraw the fund or make use of the fund via the attached visa debit card as and when I needed it (free of charge, at least for now). 

3. Sweetener : both my friends and me can both enjoy the free $10 token (upon successful opening of account and made the initial deposit). If you are keen to open the Singlife Account, why not take the full advantage of the scheme by registering via this invitation link?


Saturday, August 29, 2020

Why I've Deployed Part Of My Emergency Fund To Singlife Account?

Singlife Visa Debit Card
As most of you are aware, with the current battered economy situation, banks over the world are reducing the interest rates for their savings/fixed deposits accounts and Singapore is not spared. So, if you are keeping your emergency funds with banks (which most of us did, I believed), it's time to source for the alternative(s). 

I've heard of Singlife Account for quite awhile but only have time to dig in further late last month (Jul 2020). Upon more in-depth research, I've made a decision to deploy part of me Emergency Fund ($10K) from my usual DBS Multiplier Account to Singlife Account. 

Here are the reason why:

1. Higher Interest Rate (up to 2.5% for the first $10K)
So far, I only managed to clock-in maximum of 1.8% interest via my DBS Multiplier Account, hence's it's a no brainer to transfer part of it to earn an additional 0.7% of interest at no extra cost. Do take note that the 2.5% interest in Singlife is not guarantee but so far I've earned 2.5% for the first month ($20.95 for the $10K deposit). The interest amount is earned daily but will be credited to your Singlife Account Balance only once a month.

The tiered interest rates of Singlife Account is as follows:
First $10K       : 2.5%
Next $90K      : 1.0%
Above $100K : No interest

So now you know why I only deployed $10K to the account? :-) 

2. Capital Guarantee
Singlife Account is automatically protected under the Policy Owners’ Protection (PPF) Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC) for up to $100K. So, even though the interest rate is not guarantee, you know that at least your capital is guaranteed. 

3. Add-on Insurance Coverage:
Singlife Account is deemed as Universal Life Plan which come with the following insurance coverages:

a. Death Benefits: 5% of Account Value up to $50K (if account holder's age last birthday is less than 61) OR 1% of Account Value up to $50K (if account holder's age last birthday is on or above 61) 

b. Retrenchment Benefit : Up to 3 months of average card spend (capped at $10K)

4. Convenience: (including withdrawal and spending):
Setting-up the Singlige Account is a breeze, all you need is your smartphone. After downloaded the App, I've proceeded to set-up the account via SingPass's MyInfo, it took me less than 3 minutes to complete the overall registration process and voila, my account is ready.

To test out the system, I top up a small amount ($10) to my Singlife account from my DBS account, it took about a minute for the amount to be reflected in my Singlife account. With the successful trial transaction, I am deemed comfortable to transfer the intended balance amount to my Singlife Account.   
To further test the system, I've also tried to withdraw a small amount ($10) from the Singlife Account to my DBS account (just to see how fast the transaction goes). Again, it is a breeze for the withdrawal and the amount appear in my DBS account in a couple of minutes (apparently via PayNow feature). And all these are done via the App alone. 

If you are keen to find out more on the Singlife Account, you can click on the link here for more details (As part of their on-going campaign, if you set-up and activated your account via this invitation link, we each get $10 credit to our accounts). 

By the way, where do you usually keep your Emergency Fund?


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Saturday, August 15, 2020

Ways To Get Some Quick Money

Image Source: Unsplash
With the worldwide economy currently is such a mess, there are a lot of people that are struggling financially. If this is something that you are familiar with and you are looking for ways to get some cash quickly, there are things that you can do, such as selling items that you no longer require.

Most of us will have something laying around our homes that we have no use for and we can turn into some quick money. Below are some of the ways you can do this and get that much-needed cash in your pocket, quickly.

Sell Your Old Jewellery

A perfect place to start in your quest for some quick cash is looking at the jewellery that you have at home. It does not matter whether it is broken or not, as many places that will buy this from you will offer you the scrap value of your gold and other precious metals. To sell gold jewellery, check out scrap gold buyers. There are some who will give you the market value of the gold, minus their fees and refining costs. It can be an excellent way to get some quick cash, especially with the price of gold at the moment.

Image Source: Pexels

Sell Your Old Clothes

Another way that you can make some quick cash is to raid your wardrobe and get rid of any clothes that you do not wear anymore. Rather than take these to a charity shop, you can try selling these and see what you get for them. As long as your clothes are in good condition, you will be able to find a buyer for them, and if you have designer labels in your collection, you may be able to get a little more money for them.

Sell Your Old Gadgets

You can also look to sell any old gadgets and technology that you have, which can be a good earner depending on what you have. Selling your old phone is an excellent place to start, and if it’s still in working condition, you can get a lot more money for it than if it is broken. Some companies specialise in this where you can get a quote for your old phone, laptop, or gaming system, and sell it to them quickly for some quick cash. The price that you are offered for them will depend on whether they work or not, and what condition they are in. For items that are broken, they may have some value, but it will be significantly less than if they work.

Visit A Car Boot Sale

If you have a load of different types of items that you want to sell, you may also consider going to a car boot sale to sell them, where you may get a better price. There is usually a small charge for people that want to sell items, and then anything that you make on top of this is profit.

Image Source: Unsplash

One man`s junk is another man`s treasure, as they say, so no matter what you have to sell, there will be someone out there that will buy it from you.

Sunday, July 26, 2020

AFM One Core Program (Forex Trading) - My Initial Review

I got to know Ezekiel Chew, full time forex trader and founder of the Asia Forex Mentor (AFM), since 2014 and even had a short interview with him previously (you can read my earlier interview with him here). He has came a long way and established himself as a successful mentor/guru in the forex trading arena.
Recently, AFM has launched an online forex trading course called One Core Program, I was being invited to have a sneak peek of the full course which I am still half-way through as it contains more than 16 hours worth of course materials (in video format).  
To give you a glimpse of what is the coverage of the course, refer to the snapshot of the topics to be covered below (click on the images to enlarge for easier viewing):
From the above snapshot, it is safe to conclude that this is a rather comprehensive course that will cater for both newbies (covering basics like trading account opening to the fundamental price action interpretation etc...) as well as the intermediate forex traders (on the trading strategies and trading psychology etc...).
One more exclusive feature came with this course is the 1-year Access to the Golden Eye Group whereby Ezekiel will give a weekly insights/review on the latest forex trading sentiment (in video format).
Of course, forex trading is not for everyone, however, if you happen to look around for such similar online courses (with the current Covid-19 situation, I guess online is the way to go for quite a while), do check out more details here (One Core Program) and take full advantage of their Launch Special (end by 31 Jul 2020).
Disclosure: The above post contains affiliate link.

Saturday, June 27, 2020

4949 in 2020

Yesterday (26/06/2020), marked my last day at work with the current employer. Has been working from home for the past 3 months or so, finally got the chance to physically go back to office to return my laptop and stuffs.
Will be having a one-week break before starting my new job and potentially will also be working from home, at least for the beginning.
So, why 4949?
This number is only make sense to me on a very personal level. I am 49 this year and my last company is the fourth employer that I've been working there for the past 9 years. Cannot imagine that I have only worked for 4 employers throughout my 25+ years of working life. Too loyal or too comfortable within the comfort zone? Go figure it out, lol
General Election is around the corner and it's going to happen on the first week of my new job, not so much a political enthusiast myself but all the best to the worthy Party to win the Election.
Keep going, keep smiling!

Friday, June 12, 2020

Resetting progress!
As per my earlier post, Decision Time, finally I am able to share more now that I am officially serving my notice amidst the Covid-19 situation. Will be leaving my current company that I've been  serving for 9 years plus, and no, I am not F.I.R.E yet, just pursuing my mid-life career elsewhere.

In fact, I am one of those rare bunch who like to continue working for as long as possible.

Will take short one-week break before resetting myself to embrace the new beginning. Throughout my 26+ years working life, I've only changed 3 employers (including the current one), guess I am not into job-hop. The experience of getting into the upcoming 4th employer is kind of unique one as until today, I've not met my future boss (face to face) yet. Thanks to the Covid-19, all interviews were done via teleconferencing, including signing on the Letter Of Appointment is also done electronically.

With the current Covid-19 situation, I foresee that I might still be WFH (working from home), at least for the first few weeks, will be another new experience in virtual induction and getting to know new colleagues via online.




Friday, March 13, 2020

Friday The 13th (Stock Market version)

Today is the well “respected” Friday The 13th, at the back of the 9.99% (2,352 points) drop yesterday at Dow Jones, worst sell off since 1987’s Black Monday, it is only logical to expect the similar bloodbath when the Asian markets opened today.

Some of my friends are already gradually dishing out their warchest over the past few days for this long awaited “opportunity”. The road to recovery will probably take years (just on the Covid-19 situation, our PM has predicted yesterday that it will continue for a year or longer) but as long as we are invested within our means and have holding power. Stay calm, stay invested!

Meanwhile, let’s continue to do our part to be socially responsible to fight against the Covid-19!


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Wednesday, March 11, 2020

Decision Time!

It has been almost half a year since my last post. Been really busy with work recently and went through quite a bit of organisational changes, coupled with the activation of BCP due to the Covid-19, it is kind of madness.

Today, I’ve made a decision (to self) that will probably change the course of my life in 3.5 months time, It might not be a wise decision (especially at the current situation) but at times we just need to make hard decision and go along with what your heart and mind told you.

More will be shared at a later date (when it is deemed official), meanwhile, let’s all be extra cautious with the Covid-19 situation and continue to observe our social responsibility.


Monday, August 12, 2019

Am back after one-month hiatus

raccoon dog in Kyoto Japan
Raccoon Dogs Statue in Kyoto
I am back after slightly more than a month break from this blog. For the past one month or so, been busy in moving house, we are finally more or less settling down in the new place. 

Also, just back from a short trip to Kyoto/Osaka Japan. Overall, it's a great trip minus the searing hot weather (heard that this year is Japan's hottest summer and it went up to 37.9 C while we were there). Morale of the story? Avoid visiting Japan during summer if you are not a fan of sun and sea and beach! :-) 

Back at home, we just celebrated our 54th birthday for our nation and hope everyone here (and abroad) have many prosperous years ahead. 

Being an avid movie fan, I've been lagging in catching up with the recent movies, my last movie was Crawl, a pretty good horror thriller about the roaming monster crocs. Still long way to go to catch up some of the recent ones like Fast & Furious - Hobbs and Shaw and Parasite (Korean). 

In terms of my minion size investment portfolio, it remain at its inactive state at the moment as I didn't really have any new action/transaction to shout about.. 

Last but not least, wish everyone have a great long weekend so far and keep smiling, keep going


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