Saturday, June 25, 2016

BREXIT - The Aftermath AND Potential Regrets By The Britons

The historical outcome of BREXIT referendum yesterday (24th June 2016) shocked the world and created bloodbath across the global stock market as well as political unrest (start with the resignation of the UK PM, David Cameron, to be effected in Oct 2016).  

Personally, I am not that into politic and trying to refrain myself from writing post with political theme, but this historical event just creep me up too much and hence this post. 

Let's start with the aftermath of BREXIT 
1.  According to TODAY's report, over US$2 trillion (SGD $2.7 trillions) value of stocks worldwide was being wiped off! Knee jerk reaction? I think it might be more than knee jerk... ;-)

2.  The value of Pound is falling like a heavy metal falling knife...fast and furious style... The weakest since 1985 (30 years) @ US$1.3229
3. Oil price plunged 6.8% to US$46.70 a barrel.

4. And I am pretty sure many more to come from next week onward...embrace yourselves...

And the Regrets?
1. One of the pro-BREXIT's biggest propaganda (350 million pounds pledge to fund the NHS) is a "mistake", as per Nigel Farager himself in a National TV. Are those voted for him regretting now? A little bit, maybe? Check out the article and TV interview here.

2. Some of the voters who voted for BREXIT have shown their regrets openly in the news (always remember, every single vote counts and play a part, don't under-estimate it and vote properly next time, OK?) :

3. Oh, I also find this sarcastic article from The New Yorker very hilarious and apt to share it here too : BRITISH LOSE RIGHT TO CLAIM THAT AMERICANS ARE DUMBER

So what's next for non-Briton like us? 

Life goes on! Markets will continue to tumble for the next couple of weeks/months (my prediction) but we just need to embrace it. On the other side of the coin, I know a couple of my financial blogger friends/opportunists are eagerly waiting to release their Kraken (war-chest) when opportunity strike. So, it's not all bad... 

The BREXIT will officially kick-in only in 2018 and its impact to the Britons as well as the world in general will be forever!

Cheers!

Wednesday, June 22, 2016

Hiring Office Plants vs. Buying Office Plants (Guest Post)


Plants are a fantastic addition to the décor of any office. They look great, have amazing air filtering properties, and most importantly, they are proven to improveemployees’ productivity and reduce absenteeism. The only drawback associated with adding indoor plants to an office is that they require regular upkeep.
From selection of the right indoor plants to keeping up with their water and sunlight requirements, there are several considerations of adding plants to your office. Considering this, some businesses may prefer renting office plants to save the energy and time spent on their upkeep while others may consider buying office plants to be a more cost-effective option.
To help you make the right choice, we are comparing the pros and cons of hiring and buying office plants. Consider the benefits and drawbacks of both and choose the option that suits your needs.

Hiring Office Plants — A No-Hassle Way to Make Your Office Greener

Adding plants to a workplace offers numerous benefits; however, these benefits can only be achieved if the plants look healthy, fresh, and presentable. Neglected, poorly maintained plants with dry leaves not only make your office look untidy, they also have a negative impact on the productivity of your employees. As a result, many businesses prefer hiring office plants from providers who look after the plants and replace them with fresh, healthy plants when needed.
In addition to hassle-free maintenance, there are several other benefits of hiring office plants, such as:
  • No Up-Front Costs — Unlike buying, hiring office plants incurs no up-front costs, making it a cost-effective option for businesses with a limited budget. All you need to do is to pay the costs for the plant hire period which may range from as low as $1 to $20.
  • More Options, Greater Flexibility — Hiring office plants allow you the flexibility to change the planters to compliment your office’s new décor. In addition to this, if you’re moving your business to a place that’s smaller in size, you can always return the plants or replace large troughs with smaller desk top plants.   
  • Free Expert Advice — Selection of the right indoor plants is a difficult decision anyone who is not an indoor plant expert. There are only a handful of plant species that can grow and survive in dimly-lit, closed environment of an office. Therefore, working with a provider that offers plant hiring service provides you an added advantage in the form of free advice from an indoor plant expert. 

Buying Office Plants — An Option Unsuitable to Many Businesses

While buying is the preferred option in case of commodities that have long durability, such as homes, cars, and equipment, it is not suitable when it comes to indoor office plants. Since indoorplants live for 6 to 12 months, they are required to be replaced quite frequently, making buying a less practical option. In addition to this, businesses with limited décor budget cannot spend a large sum of money on buying plants; therefore, they are better off hiring office plants from indoor plant hire companies.

Monday, June 20, 2016

My First IPO Stock - Frasers Logistics & Industrial Trust (FLT)

FLT, Frasers Logistics and Industrial Trust
Slightly more than 2 years ago, I locked in my first stock with Super Group (S10). Last Friday, I've gotten my first IPO stock or REITS, Frasers Logistics & Industrial Trust (FLT). Even though it's only "minionly" 1 lot but I am pretty happy and excited about my maiden IPO stock and I will keep it for its sentimental value. 

If you want to find out more of the FLT's balloting result, you can check out Investment Moat's coverage here

FLT will start trading from tomorrow (21st June 2016) onward. I am not sure how it will go but I am pretty sure will keep it for as long as possible.  

What is your first IPO stock (if any) and are you still keeping it? 

Cheers!

Wednesday, June 15, 2016

Euro 2016 Caused The Double Digits Drop In SGX Trading Volumes In The Past 2 Days?

At the time of my writing, the Euro 2016 match between Russia and Slovakia is on-going and Slovakia is leading by 2-0 at the moment. Being a soccer fan myself, this set me thinking on whether the kick-off of world's most beautiful sport has much impact to our local SGX trading volumes as well as values? If yes, how great is the impact? 

So, decided to do a simple compilation of the brief stats (source of date : SGX website) and following is my initial findings :

SGX Trading Volume and Values For The Past 2 Days
In both trading volumes and values, there are double digits drops! Of course, I am not saying that all the drops are caused by Euro 2016 but I do believed that it does play a key part to it. 

In case you are not aware, Euro 2016 (at France) is a one-month event starting from 10th June 2016 to 10th July 2016 and almost everyday there are games at 9 PM, 12 AM and 3 AM Singapore time. As the saying goes, sleepy man is an angry man (even more so if your favorite team loss) and investing might not be the top priority of the sleepy/angry man! lol 

Are you a soccer fan and following the Euro 2016? If yes, do you see any change in your pattern of your investing/trading? 

Cheers!

Saturday, June 11, 2016

Singtel - My First DCA (Dollar Cost Averaging) Counter

I have been contemplating to put aside  a fixed quantum of amount every month to form part of my DCA (Dollar Cost Averaging) Investment portfolio. Finally, I've made the move and selected one of the blue chip, Singtel (Z74) as my first DCA counter. 

Managed to get 300 shares @ $3.90 yesterday and my plan to investment 300 shares per month on on-going basis. 

In order to have full control and flexibility of my DCA transactions, I've chosen to purchase the shares directly from the market (via POEMS, they are still having their promotional 10 bucks commission [till end of the year] for transaction less than 1,000 shares) instead of through the DCA plan with Maybank, OCBC or POEM (Shares Builder Plan). 

Some of you might be curious as to why I didn't choose the ETF for DCA instead?

There are a couple of reason actually :

1. All a long, I am eyeing to own at least one local telco stock. So, I thought to kick-off my DCA with a telco stock. Among the 3 telcos (Singtel, Starhub and M1), Singtel is the largest [in fact, largest in the Southeast Asia] and has the better valuation in terms of their P/B ratio and profit margin):
Singtel's P/B ratio : 2.52
Starhub's P/B ratio : 22.27
M1's P/B ratio : 5.43

Singtel's Profit Margin : 22.82%
Starhub's Profit Margin : 16.19%
M1's P/E Profit Margin : 15.65%

[The above stats are from Yahoo Finance]

2. The dividend yield for EFT is not as "juicy" as  Singtel's, even though it is less than 1% difference ;-)  

3. In the recent news, Singtel is to list its broadband unit, Netlink Trust by Apr 2018 and hence there is a potential up side for the shareholders (from the disposal) in the short-medium term.   

The intention is to accumulate slowly...but surely... 

Cheers!

Wednesday, June 8, 2016

3 Valuable Things I Gained From My Investing Journey (Money Is Not One Of It)

Time flies, it has been almost 2 years and 3 months since I first started this blog, as well as my investing journey. After more than 730 posts and 1,500 comments, I am still going strong with my blog as well as my investment. 

As I mentioned before, prior to this journey, Accounting or Finance is my Achilles Heel and I never thought of seeing myself get my hand "dirty" with the "game" of shares investment (you see, prior to this, I always view share investment as a form of gambling and luck is the most critical factor. Of course, I've changed my mind now even though am still believed that luck do still play a part in it). 

So, what have I gained or learnt throughout all these years, besides money? Note : the reason why I excluded money from it is because as at to date, my minion portfolio is still experiencing with double-digits paper loss ;-) 

Here we go, the 3 most valuable things that I've gained so far :

1. FINANCIAL KNOWLEDGE:
If I really have to put a measurement on my financial literacy progress from a scale of 1 to 10 (10 being the best), I think I've moved a notch or two from say level 3 to 5. There are much more to be learnt but being an avid reader, I can always reading and learning along the way. 

2. NEW FRIENDSHIP:
I count this as the most valuable and surprising gain as it is never part of my plan when I started off this journey. Managed to get to know up-close and personal with  a bunch of cool and friendly liked-minded peer financial bloggers is godsend. You know who you are, let's keep this friendship 长长久久 !

3. MY BLOGGING STYLE:
From a noob to non-so-noob in the financial world, I've expanded my writing scope from mostly movies to personal finance stuff (especially those posts involving numbers), it has tremendous impact (positively, I hope... maybe) to my style of writing or blogging. 

What about you? What are your top 3 non-monetary gains from your investment journey?

Cheers! 

Saturday, June 4, 2016

Frasers Logistics and Industrial Trust (FLT) IPO - All You Need To Know Now

If you are into IPO and have not already gotten the good news, your new potential baby is coming real soon : Frasers Logistics and Industrial Trust (FLT) is expected to launch the biggest IPO since 2013 from next Friday (10 June 2016). 

While I am still waiting for the prospectus to be released, following are the key pointers that I've gathered from the media for this upcoming FLT IPO :

1. It will be managed by FCL (Frasers Centrepoint Limited)
2. It will be backed by 51 Australian properties in Melbourne, Sydney, Brisbane, Adelaide and Perth (the portfolio has an occupancy rate of 98.3% and WALE (Weighted Average Lease Expiry) of 6.9 years.
3. It is seeking around $900 millions from the IPO
4. It is expected to be priced at 85 to 89 cents per unit.
5. The forecast Dividend Yield is 6.9% to 7.1% this year (2016) and 7.3% to 7.5% next year (2017).
6. Some of the cornerstone investors are : Morgan Stanley Investment Management, Lion Global Investors and JF Asset Management.
7. The IPO will be listed in Mainboard and is expected to open on 10 June 2016 (Fri), with listing targeted for 20 June 2016 (Mon).
 
Personally I am into REITS and have keen interest in this IPO. What about you?

Cheers!

Tuesday, May 31, 2016

Do you think your life will change drastically after Financial Independence?

Without a doubt, Financial Independence (FI) is like the Holy Grail for most, if not all investors. 

The ultimate destination!

The ROME! (and as the saying goes : all roads lead to Rome)

The question is : Even if you've amassed a size-able fortune and has officially attained the FI status (basing on your own definition or the $x in your mission statement), so what? 

Do you think your life will change drastically after that? 

Would you become more spendthrift because you are more than comfortable to?

Would you enjoying or appreciating life more? 

Would you be more generous because you are able to? 

And the list goes on....(you get the idea)

Personally, I don't foresee that our mentality (towards life) will not be drastically changed even if we have attained the FI status i.e.:

You will still eat at the same hawker center or coffee shop that you used to patronize,

You will still wear the same brand of shirts or pants or dress (for girls),

You will still taking the same transportation (be it public transport or your own car), 

You might even continue to work (I know many have the idea of throw in the towel to the corporate world after FI, but you never know)

In fact, my ultimate question to this question is : If you have something in mind to do or act, there is no need to wait till FI! Do remember that we can only live at PRESENT! 

For example, many view that they are spending less time with their loved one because they have spent too much time at work and once they are FI, they will quit and be able to spend more time with them. Yes, the intention is a good one but would it really happens that way? 100% sure? Nobody can say for sure as you might be occupied by other stuff when you are FI. 

So, why can't you make some adjustment NOW to spend more time with your loved one? Why need to wait till FI? 

This post is meant for pondering (for myself too) and I am definitely not against FI! ;-) 

Cheers!

Thursday, May 26, 2016

Personal Money Management Tips

Investing your money is obviously something that you will need to take very seriously. Failure to do the proper amount of research regarding what you invest in and what company is handling your money could result in you suffering a major financial disaster. This is why you really need to pay close attention to every investment you make. The financial world can be very confusing to people who are not familiar with the various terms that are used. You would be wise to learn this terminology in order to help you understand certain investing strategies. Here are some personal money management tips that might be beneficial to you.

1. Talk to many investment companies

Do not simply hand your money over to the first money management company you find. You owe it to yourself to look at many different companies to see how they can help you to reach your personal financial goals. You will find that money management companies have very different strategies when it comes to investing. Some have a very conservative philosophy. Other companies can be much more aggressive. This means that you should only do business with a company that has an investing philosophy that you are comfortable with. Do not be in a hurry to invest your money. Rushing things could cause you to make foolish decisions which could result in you losing money.

2. Set a limit for your investments

You should never invest more money that you can afford to lose. You must always make your investments with the idea that everything will go wrong. In other words, would you still be able to support yourself financially if all of your investments fell through and you lost all of that money? You have invested too much money if the answer to that question is no. Take a close look at your finances and be very careful not to get carried away with your investing when you are just starting out. Set a monetary limit on your investing. This will prevent you from suffering a crushing financial loss that you can't recover from.

3. Be patient

It is normal for people who are investing for the first time to want to make money right away. You need to realize that patience is the key to successful investing. This is something that all reputable money management firms like Fisher Investments will tell you. It is possible for you to make money quickly on certain investments. However, you should not count on this to happen. You would be better off putting your money in a long-term investment that has shown a reasonable amount of growth in the past.

4. Make sure your money manager is experienced

Your money is much too important to your livelihood to allow an inexperienced person to invest it for you. You should only work with a money manager or financial advisor who has no less than a decade's worth of investment experience. Many of the people who work for FI have this level of experience. You do not want your investments to be determined by a kid who is fresh out of college and has no real experience when it comes to investing. You should only settle for someone who has outstanding credentials. Keep looking until you find a financial advisor and money manager who has a proven track record of success.

Sunday, May 22, 2016

Financial Bloggers Unite - Bonding Time

Two years plus ago when I started this blog (in 2014), the main purpose is to share my shares investing journey and along the way hope to get to know some like-minded peer retail investors. But what I didn't see it coming is managed to strike some great friendship with a small group of fellow retail investors. Some of them are quite well established many moons before me... Even though I am the most senior (in terms of age) among the group. 

Yesterday, a bunch of us have a great gathering at the place of one financial blogger. Even though it is just a few hours, we totally immersed ourselves with the food and chit-chatting (and swimming for one, which I will not disclose the name ;-)). Mind you, we don't always talk shares or investment, the topics are widely spread, ranging from property to airbnb to tuition to dancing and even the speedo swimming trunk (last one is a classic) lol

This being the second round of our bigger group gathering and hope more such "AGM" sessions will be held soon...Financial Bloggers Unite!!!

Such bonding will stay with me for a very long while....

Cheers!

Saturday, May 21, 2016

My Share portfolio - The Simplified Tracking

Vesak Day 2016
First, Happy Vesak Day to you and your loved ones! 

It has been a while since I last updated My Portfolio page. With some recent activities on Accordia Golf Trust and Soilbuild Business Trust (latest small inclusion, will write about this at a later date), thought of revamping my portfolio tracking to make it simpler to track. 

Going forward, I am looking at making a quarterly update of my portfolio to track the performance. As at now, it is sitting at a double-digit loss (26% if exclude Dividend or 20% if include Dividend) ;-) 

Investopenly Share portfolio

Cheers!

Friday, May 20, 2016

5 Inexpensive Ways To Promote A Product Launch (Guest Post)


So, you're convinced your brand new product is the best thing since sliced bread. A word of caution. Even if it is, promoting it successfully through to product launch is never easy. Simply making current and potential customers aware of the existence of your new offering is tricky enough, let alone getting them to try it!
If you want your product launch to achieve the results you know it deserves, a thorough and detailed marketing strategy is a must. Of course, you'll have a budget. And it probably won't be as large as you'd ideally like.
Thankfully, there are ways even the smallest of businesses can get noticed via their promotional activity, without breaking the bank.
Check out these five inexpensive, effective and creative ways you can make your product promotional campaign as strong as possible:

1. Check Out Crowdfunding

Crowdfunding sites like Kickstarter or Indiegogo are a great way to get your product noticed prior to launch. A crowdfunding campaign, when run well, can also attract generous financial support to further aid product development. Before running a crowdfunding campaign, you should survey customers to ascertain whether they are open to the new platform. Typically, once a campaign is up and running, supporters can pledge differing amounts of cash in exchange for either the product you are launching itself, or for token items, which is where a selection of well-thought out promotional products in line with your brand can be of great benefit. Offer your customers something fun and useful with your logo printed on it; this could be just about anything from BBQ tools to a shopping bag, cool keyring or coffee thermos.

2. Social Media Teaser

You'd be stupid not to get your product launch some traction via social media. Facebook and Instagram are great places to start. A 'teaser' campaign doesn't require you to have all product details finalised from the get go, simply utilize the campaign to provide your social audience with creative and fun updates as you go through the development process. Remember, image and video updates are key. You can also run giveaways or competitions, where people who share or 'like' the page can win prizes, such as branded promotional products.

3. Find Cheap Creative Talent Online

Advertising is awesome, but creating ads can be very, very expensive if you go down the traditional route. If you're on a tight budget it's well worth considering hiring creative talent online. Online freelancers can produce ads that are excellent value for money. Try sites like Fiverr.com, on which you can search for freelancers with excellent feedback, willing to complete an ad for you for as little as... a fiver!

4. Get Influencers To Talk And Share

If you can get the backing of someone in your field who's considered a “digital influencer”, your promotional campaign will gain a whole lot of strength and credibility. Influencers are well-respected figures within your target market with a significant online following. Get them to endorse or recommend your product, and you'll find their fans or subscribers will get behind it, too.

5. Be loud, and proud

Don't just rely on your salespeople to talk up the new product. Brief ALL staff, and encourage them to tell everyone they know about the new launch. Get them to talk it up via their own social media networks. Create a press release and send it to appropriate on and offline media in good time, following it up with phone calls to each media outlet. Make use of your customer database to send emails about the promotion to your regular customer base. And offer them rewards, such as free promotional products, for referrals.
Tips offered by Customgear.com.au, leading suppliers of promotional products.

Wednesday, May 18, 2016

Accordia Golf Trust - New Inclusion to my portfolio

I've been queueing for Accordia Golf Trust (ADQU) for a few weeks and finally hit the target today @ 62 cents (for 5,000 shares only). So, it is a new inclusion to my minion size portfolio.

Accordia Golf Trust is a business trust specializing in investments in golf courses, driving ranges, and golf course related assets in Japan. Accordia Golf Trust is based in Singapore, Singapore.

There area couple of reasons why I added this counter :

1. To expand my REITs portfolio (after Lippo Malls Trust, Cache Log Trust) for income play. I know business trust different from REITs but for my income playbook, I treat them the same.  

2. Accordia is currently trading at a discount of 30% with its NAV of SGD 89 cents (as at Q3 FY 2015/16). Am aware that it could be a value trap but nobody can predict the future.  

3. While pending for the full year financial result, expected to be released next week, so far the Q3 2015/16 performance is quite promising. 

4. Full year Dividend Yield of Accordia for FY 2015/16 is expected to be over 10%. 

5. Accordia is Number 1 Golf operator in Japan

6. Positive Japanese economy outlook due to :
a. Abenomics. 
b. 2020 Tokyo Olympics 

The potential risks that I have taken into consideration are :

1. The unpredictable weather or natural disasters that might impact the operation of the golf course(s) and hence the business. 

2. FX (foreign exchange) risk

Are you vested in Accordia? What is your view on this counter?

Cheers! 

Monday, May 16, 2016

Buying and Selling Bullion: Beginners Guide (Guest Post)

Buying and selling gold or silver bullion is a fairly simple process, however there are several factors beginners should keep in mind prior to investing and offloading precious metals. Remember, gold bullion refers to either gold coins or bars (ingots) of at least 99.95% purity. Bear in mind that when you buy bullion, you take physical possession of it, so storage is a key factor. 

Read on to find out how to successfully buy and sell bullion.

1. Know your goals and risk profile before jumping into the market. Like any investment, you need to consider important matters such as whether you plan to be in it for the shorter or longer term, how much you can afford to invest safely and how your bullion purchase will complement the other sectors of your portfolio.

2. Learn about the historical performance and role of gold in financial markets. Many investors and financial analysts alike recommend holding gold or other precious metals over the longer term as, better than any other asset, they help protect the portfolio from a range of potential so-called “black swan” economic crises, such as hyperinflation, deflation, runaway stagflation or chronic disinflation. Make sure you understand the “safe haven” role gold has historically played as a hedge protecting against all these negative economic events.

3. While there are many ways you can invest in gold, including gold funds, ETF's and by speculative mining stocks, if you want to harness the metal's intrinsic and potentially rising value, then trading in bullion should be your primary concern. It offers a simple and effective exposure to the metal.

4. Choose a provider. If you want to hang on to your gold investment for at least five years - as is recommended by most financial advisers – make sure to select an established company. Remember, smaller bullion providers are not as stable as bigger companies and may not last the distance.

5. Ensure you have storage covered. Another benefit of choosing a larger, more established bullion company is that they generally have contracts with trusted vaults for storage of your gold. Therefore, the risk of something happening to your gold is incredibly slight.

6. Decide how much to invest in gold. When setting up your gold savings account, you may wish to begin with a small investment, then save as much as you feel to be necessary over time. Remember, gold should make up a key part of any investment portfolio, however you should not over allocate in gold. If you don't know how much to invest in gold, speak to a qualified financial adviser.

7. Ensure you pay the lowest fees possible. Gold bars come in metric sizes and are available to purchase at the prevailing gold price for that day, however a premium is added to every purchase. When you buy a smaller amount of gold, you will pay a higher relative premium.

Remember: gold bars are relatively easy to trade, so you should always be able to find buyers and sellers in the market, which is not the case when it comes to some gold coins.

As with any form of investing, it is always better to take a longer term view in order to try and establish how you might want to invest in gold.

Saturday, May 14, 2016

What Has Weather Got To Do With Your Investing Or Life Journey?

Yesterday, went for a full-day management workshop revolving around the theme of Integration and Change. Besides going through some self-discovery on our individual thinking and behavioral preferences (nothing new to me as I've been quite a number of similar "tests" and the result is kind of consistent), we also went through some fun role plays by "acting" with our least preferred behavioral preference. Fun aside, the role play game is also meant to illustrate a few key points :

1. It's harder (but not impossible) to behave the ways with our least preferred behavioral preference (for example, if you are scoring low in expressiveness and suddenly asked you to express your mind openly to the crowd, uncomfortable set in and you are stretching yourself). The key is to consciously stretching your least preferred behavioral preference.  

2. There is no right or wrong behavioral preferences or which one is better than the other, every preferences have its pros and cons. The key is trying to develop and strengthen all 4 spectrum (Analytical, Structural, Social and Conceptual) so as to better equip ourselves to embrace the changes (which is constant) in our work or life.

3. One of the many quotes shared by the facilitator is worth sharing : "We cannot control the weather, but we always have the choice to bring an umbrella". Regardless of your type of behavioral preference, there are bounds to be uncontrollable situation we need to deal with.

So, now you roughly know why the weather has everything to do with our investing journey or life as a whole! Just like in investing, you cannot control what will happens next after you've locked in your capital, but you always have the choice of doing what you can control i.e. :

1. Sell the stocks with a profit/gain as you've done with this stock
2. Keeping the stocks for long term investment
3. Buy more to accumulate as you might view that the price is still a bargain
4. Completely withdraw from the stock investment as you deemed that investing in stocks is too time consuming or you've other better investing alternatives. 

There is no right or wrong answer/decision (at least at that moment when you made the decision), as long as you are still in the market, regardless of whether your current overall realized paper profits/loss is positive or negative, it is too early to pop the champagne or call it quit as the game is still ON! Your next one could be a big flop or big gem that could turn it around!

In short, the learning point is : Try not to overly stressed with what you cannot control (i.e. the weather and the stock price movement) and focus on what you can control (i.e. to bring umbrella and to buy or sell etc.).

Investing is just like life, you can't be right 100% of the time (if you are a married man, you might not be right most of the time ;-))

Cheers!

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