How Much is Our Blog Worth as One of the Top 75 Singapore Investment Blogs

A few days ago, I received an email from Anuj Agarwal, the founder of Feedspot congratulating the KPO and CZM team (me, myself and I) for being selected as one of the Top 75 Singapore Investment Blogs.

We would like to thank our parents readers for your support. This award would not have been possible without all of you!

We are currently ranked number 51, not too shabby. I was expecting the blog to be ranked 75 when I saw the email. lol. I went down the list to take a look at the blogs "behind" us and was surprised to see my idol ASSI at 57. A bit kelong but I will still take it since it is gold and shiny xD

Since it is such a special day, let me share some interesting numbers and attempt to value our blog. How much do you think our blog is worth?

I started placing advertisements on the blog around last year July. Till date, the blog has generated $473.54 in less than a year! For a few days/weeks in July, the blog was generating a few cents per day. Slowly it grew to 10/20 cents per day and now, about $1 on average per day. Once in a while, I will write something interesting such as this - DBS Multiplier + SSBs + Joint Account = Higher Interest! which generated ~$30 in 2 days (what I usually get in a month)!

Let's assume that the blog will generate another $30 for June 2018, the annualized earnings will be around $503.54. If our blog is similar to a stock paying 5% dividend, its market value would be $10,070.80! Wow! Who wants to buy? Hahahaha.

On second thoughts, our blog is not for sale. It is on its way to becoming the next million dollar business. 老王卖瓜，自卖自夸 (lǎo wáng mài guā, zì mài zì kuā) Time to sleep and continue my dream!

Thank you once again! I hope our blog has motivated you to start investing or you might have learnt a few things from our sharing/mistakes :)

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Expenses - April 2018

My expenses for April is one of the lowest so far! The bulk of it is from my parents' MediShield and insurance premium ($2,232) which is paid from my Medisave account. They have been paying roughly this amount in cash before I started working. It only makes sense that I paid it through my Medisave so they can keep more cash for themselves (cash is king!). My plan was to pay for my 3 other siblings as well. Unfortunately, they are not considered as my dependants hence my parents are still paying in cash.

Current Profile: 28 years old male planning to get married this year and is still living with his parents

I was struggling to decide if I should include the insurance premium as my expenses. Since these are paid out of my Medisave account, my cash flow will not be affected at all. On the other hand, if my Medisave account has insufficient fund, these premiums would then have to be paid using cash. In addition, my brother will start working this year and my parents said I can transfer one of the premium to him. The next question would be will my Medisave run out of money? Probably not... After considering all these, I decided to exclude them. Hence, my total expenses would be $3,826.09 - $2,232 = $1594.09 instead.

You can read more about how we manage our finances here. Removing our shared expenses which come out of our mutual fund (KPO Expense Fund), my expenses for April would be $1594.09 - ($43.10 / 2) = $1,572.54.

Parents
I previously blogged about my promotion and increment - Salary - You Are Your Best Investment and it was only effective from February so I gave my parents more allowance as well.

Insurance
This is a fixed monthly cost for the basic coverage - term life and hospitalization. It is higher this month because of the annual MediShield Life premium.

Food
My food expenses are exceptionally low because I stay with my parents! Most of it is incurred when I am out with CZM.

Gift
Ang Bao for my JC friend when I attended her church wedding and bought a small packet of Irvins salted egg fish skin for my family.

Transportation
I would always pay for CZM's cab ride home during night time since I am too lazy to send her home. That was one of our agreement. lol.

Public transportation seems a lot lower because of 2 reasons:
1. I am no longer using EZ Link Auto-Reload. Account-Based Ticketing (ABT) is a much better choice as you pay what you use instead of triggering top up where the money is stored in the EZ Link card. The best part is miles can be earned too (using UOB PRVI Mastercard)!
2. $0.50 Discount for commuters who enter stations before 7.45am on weekdays.

Me
The $69.97 is the installment for Surface Pro which I got about 2 years back. One of my kind readers emailed and told me that Microsoft has admitted that there is a small batch of Surface Pro 4 with defects - Surface Pro 4 screen flickers or is scrambled and they will be offering a free replacement. I am in the process of getting that sorted out. The annoying thing is Singapore does not has a service centre so the SP4 has to be shipped somewhere...

Wedding
We bought some random stuff/props for the pre-wedding photoshoot from Lazada.

The shoe is bad, very low quality but you get what you pay for. However, the shirt is surprisingly decent. The other items you probably have no need for them so save the money!

Treat
Nothing worth mentioning.

Entertainment
Cannot remember what we watched but we probably had a free movie ticket.

Investment
$2 IPO - Hyphens Pharma International Limited

Summary
January 2018 - $2,256.43
February 2018 - $1,759.01
March 2018 - $5,049.79
April 2018 - $1,572.54

Total expenses for 2018: $10,637.77
Average expenses per month for 2018: $2,659.44

Do like any of the following for the latest update/post!
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IPO - Hyphens Pharma International Limited

It has been a while since there was an IPO that interest us me. CZM is not joining because she has never heard of this company or their products. Neither have I but I am just a number guy. You can find the prospectus here.

Hyphens Pharma International Limited is a pharmaceuticals/medical company with the following 3 core businesses:
- Specialty pharma principals (53.6% of 2017 total revenue)
- Proprietary brands (11.4% of 2017 total revenue)
- Medical hypermart and digital (35.0% of 2017 total revenue)

There will be 29,600,000 Invitation Shares with 3,000,000 Public Offer Shares and 26,600,000 Placement Shares at S$0.26. The closing date will be 16 May 2018 at 12 pm and it will start trading on 18 May 2018 at 9 am.

From what I can understand, they sell/distribute drugs:
- Specialty pharma principals = selling/distributing other companies' drugs
- Proprietary brands = selling their own drugs + patents (Ceradan and TDF)
- Medical hypermart and digital = selling drugs online

With an IPO price of $0.26 and an EPS of 2.0 cents, the stock will be trading/listing at a PE of 13. My eyes blink $_$ when I saw this as healthcare related stocks generally trade at a huge premium!

Their dividend policy states that they intend to distribute at least 30% of net profits. Assuming EPS remains constant for 2018, that will translate to a dividend yield of (0.02 x 0.3) / 0.26 ~ 2.31%. What I dislike is that they have already paid themselves handsomely before the IPO >.<

The valuation is so cheap that even with an average PE of 15 (not industry average), the IPO looks like a bao jiak (sure win) using my IPO Hit and Run Calculator (sell on day 1 with the assumption that it trades at the expected average PE). Even Mr. IPO gave a 3 chill ratings which mean "This IPO is hot. Your $2 is probably going to buy you a romantic dinner for 2 with a bottle of red wine included. Likely opening price: More than 20% upside". You can find his analysis here.

I applied 40,000 shares for placement but was not allocated any. My broker asked me to try my luck at ATM -.- Pretty hot? Huat ah!

Update on 17th May 2018 - KPO has no luck in IPO

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Frasers Logistics & Industrial Trust Preferential Offering

Frasers Logistics & Industrial Trust just concluded its private placement (KPO did not get an offer this time round unlike Keppel DC REIT Private Placement which was a pleasant surprise!) and provided more information on the preferential offering to fund its proposed acquisition of 21 prime industrial properties in key global logistics hubs in Germany (17) and the Netherlands (4). You can find the official announcement here.

Some of the readers may know that KPO secretly loves rights issue as it provides an opportunity for existing shareholders to increase their investment at a much lower cost and without any commission as compared to buying off the market. Having said that, not all rights issue is good and there is a need to evaluate whether the cash call is beneficial to the existing shareholders.

Current/Latest Numbers
Price: $1.09
Dividend/Distribution Per Unit (DPU) for FY2017: $0.0701
Dividend Yield (Assuming DPU remain constant for FY2018): 0.0701 / 1.09 = 6.43%
NAV (2QFY18): S$0.91 (Based on exchange rate of A$1.00 : S$1.0125)
PB: 1.198 (19.8% premium!)

Gearing: 30.5% (MAS limit is 45%, the lower the better)
WALE (Weighted Average Lease Expiry): 6.75 years (the higher the better)
Total shares based on 2QFY18 (including manager's fees): 1,523,985,999

Private Placement:
333,199,000 units at an issue price of S$0.987 per unit (initial issue price range: between S$0.962 and S$0.987)

Preferential Offering:
A pro rata and non-renounceable preferential offering of 152,153,437 new units on the basis of 1 new unit for every 10 existing units at an issue price of between S$0.942 and S$0.967. Given that the issue price of the private placement was priced at the upper bound, we can expect the same for the preferential offering.

Do note that the numbers are just estimated and the assumption is that the acquisition happened since listing/IPO date to 30 September 2017. Looking at the DPU in Australian cents, the acquisition is probably (remember the numbers are just an illustration) slightly yield accretive. They have also conservatively kept the exchange rate at A$1 : S$1.

The NAV remained roughly the same after the acquisition based on the provided illustration. What I do not like is that the gearing ratio would increase from 30% to 36% for a measly increase of 1.7% in DPU and no change in NAV. On the bright side, WALE will be increased to 7.1 years and the acquisition is not diluting the yield while a preferential offering allows existing shareholders to join in the fun.

We have 8,000 shares currently at an average price of $0.962. As a result, we would have 800 non-renounceable (means it cannot be sold - either exercise it or let it expire) shares.

If the issue price is S$0.942, we will be looking at:
Dividend Yield (Assuming DPU remain constant for FY2018): 0.0701 / 0.942 = 7.44%
PB: 0.942 / 0.91 = 1.035 (3.5% premium)

Average Price: (0.962 * 8,000 + 0.942 * 800) / 8,800 = $0.960
Average Yield: 0.0701 / 0.960 = 7.30%

If the issue price is S$0.967, we will be looking at:
Dividend Yield (Assuming DPU remain constant for FY2018): 0.0701 / 0.967 = 7.25%
PB: 0.967 / 0.91 = 1.063 (6.3% premium)

Average Price: (0.962 * 8,000 + 0.967 * 800) / 8,800 = $0.962
Average Yield: 0.0701 / 0.962 = 7.28%

If you are not an existing shareholder and are thinking of joining the fun, you will be looking at the following numbers instead:
Average Price: (1,000 * 1.09 + 100 * 0.967) / 1,100 = 1.079
Dividend Yield (Assuming DPU remain constant for FY2018): 0.0701 / 1.079 = 6.50%
PB: 1.079 / 0.91 = 1.19 (19% premium)

You will be entitled to S$0.043 dividends but do take note of the potential capital loss at an average price of $1.079. The price would definitely drop significantly by 18th May when it goes XD and XO.

Regardless, with the preferential offering, CZM and I will be looking at a sustainable (long WALE, high occupancy) dividend yield of > 7% which is pretty decent. The fun part which I love is the ability to oversubscribe, the more the merrier!

Update on 25th May 2018: Subscribe to 800 and oversubscribe by 6,200!

Do like any of the following for the latest update/post!
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StashAway - April 2018

StashAway just got another new UI overhaul!

The graph is now much more interactive and it allows you to look at historical portfolio value. In addition, there are now 2 distinct lines/plots that show your investment/capital (net deposit) VS the market value.

We have decided to invest more money (from $500 to $1,000 monthly) through StashAway since January 2018 and I blogged about it here - Automating Capital Growth Through StashAway.

1. ACCOUNT SUMMARY (as of the last day of the month)

Based on the statement (30 Apr 2018), we lost -$31.49.

As of 4 May 2018, we lost -$9.16 mostly with a positive currency impact of $3.89. I am kinda sad that USD has recovered so quickly. Definitely would have preferred it to stay lower at least till the end of this year after we return from our US honeymoon :(

SGD time-weighted returns: -0.3%
USD time-weighted returns: -0.4%

2. PORTFOLIO DETAILS 

3. TRANSACTIONS

SGD $990.00 converted to USD $745.45 (USD $756.24 last month)
Exchange Rate: 1.3280 (1.309072 last month)

4. FEE CALCULATIONS

This month update took longer because I stopped blogging after I see a fee being charged and went to drop support@stashaway an email! lol. They have gotten back with a $5 management fee credit. Technically, it should never happen to anyone of you. My account was "dirty" because I asked them if it is possible to refer my readers by masking my real name so they tried to do some stuff behind the scene. As a result, my actual referral got affected.

There should be no fee until August 2018 because I recommended some friend. Interestingly, we can see the GST stated as being absorbed by StashAway explicitly in this month statement. Not sure how it works but investors will not complain as long as they are not asked to pay more fees.

The actual fee as stated is based on the monthly-average assets SGD $6,137.37 x 0.8% / 365 days * 30 days = $4.04

StashAway VS STI ETF
Since there is no way to compare the performances among the robo-advisors, I came out with a spreadsheet to track our StashAway portfolio performance (General Investing - Risk Level 28) against that of STI ETF which I will be updating on a monthly basis. For simplicity, I shall assume that one can either invest in Nikko STI ETF using POSB Invest-Saver or invest in Nikko STI ETF/SPDR STI ETF using SCB Priority Online Trading (no minimum commission). These would be the opportunity costs while we continue to invest in StashAway.

Apart from the absolute P&L, we should also look at the Reward-to-Risk Ratio where risk/volatility is taken into account. For more information, do read StashAway Clarifications - Reward-to-Risk Ratio. StashAway has the highest ratio of 1.25 which is significantly higher than the other 2 STI ETFs (< 0.4). Let me quote Freddy Lim (Co-Founder & Chief Investment Officer of StashAway), "for every dollar of risk taken, StashAway P28 is producing 1.25 times the return".

This month commentary: It has been a while since I see green green. Investing in STI ETF would have given me an average of ~3% return in terms of absolute PnL while StashAway only has 0.6% return. However, comparing absolute PnL is not very meaningful. Hence, I have added XIRR comparison. XIRR gives the annualized return and we can see that there is a difference of ~10% return between StashAway and SCB Priority Online Trading (NIKKO STI ETF)!

This month is also interesting because the commissions/fees incurred by StashAway are now greater than SCB Priority Online Trading and the difference will only continue to increase going forward. This will be a battle between cheaper/lesser fees and asset allocation/diversification...

You might be interested in last month update too - March 2018.

I believe there is a need to redo/regenerate the volatility used to compute the Reward-to-Risk Ratio. Do take it with a pinch of salt for now. I have been compiling some data in order to do so :)

Which is the best? Only time will tell :)

This is the link to our spreadsheet - KPO & CZM StashAway Portfolio VS STI ETF which I have also added to Our Portfolio page.

StashAway Referral Link for Our Readers
Here you go: KPO and CZM Referral Link

Do like any of the following for the latest update/post!
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Keppel DC REIT Private Placement

Keppel DC REIT requested for a trading halt earlier and launched a private placement of 224,000,000 shares at an issue price of $1.353 per share to raise gross proceeds of approximately $303.1 million. You can refer to the official announcement here. Let's look at the numbers!

Current/Latest Numbers
Price: $1.43
Dividend/Distribution Per Unit (DPU) for FY2017: $0.0712
DPU Excluding a one-off capital distribution of S$1.7 million or 0.15 cents for FY2017: $0.0697
Dividend Yield (Assuming DPU remain constant for FY2018): 0.0697 / 1.43 = 4.87%
NAV: $0.97
PB: 1.47 (47% premium!)

Gearing: 37.4% (MAS limit is 45%, the lower the better)
WALE (Weighted Average Lease Expiry): 9.6 years (the higher the better)
Total shares based on 2018Q1 (including manager's fees): 1,127,275,000

Long portfolio WALE provides income stability for the REIT (the longer the better) hence it is fairly conservative to assume DPU remain constant for this year as well. This is probably one of the reasons why Keppel DC REIT is trading at such a huge premium!

Do note that the numbers are just estimated and the assumption is that the acquisition happened on 1st January 2017 and rental are collected for the FY2017. This is not a projection/promise for FY2018. The NAV after the acquisition would be around $1.03. At the issue price of $1.353, the PB would be 1.31 which means I would be getting it at a premium of 31% instead of 47%!

It seems that the DPU will be affected by some IRAS rules as well which I am clueless about but if you are interested, you can read about it here - Income Tax Treatment of Real Estate Investment Trusts and Approved Sub-Trusts. Given the above numbers, I will try to project a much more conservative yield I should be expecting by using the worst case scenario/numbers if I were to subscribe to the private placement.

Distributable Income (no tax transparency and excluding a one-off capital distribution): $97,810,000
Issued Units (using the latest issued units from 2018Q1 instead of FY2017): 1,127,275,000 + (1,351,990,000 - 1,127,171,000) = 1,352,094,000
DPU = $97,810,000 / 1,352,094,000 = $0.0723?! (higher than $0.701 with a larger base/shares?)

Weird. Now I am confused by the numbers, no matter how I calculate/reverse the computation, I cannot tie/tally the numbers... 97,810 / 1,351,990 != 7.01! Although it clearly states that the distributable income has already excluded the one-off capital distribution of $1.7 million. Now that I look closely at it, even 82,300 / 1,127,171 != 7.12. I guess I probably oversimplify the numbers and the only way to proceed is to use whatever number that was given.

Dividend Yield: 0.0701 / 1.353 = 5.18%

In addition, the gearing will improve to 32.1% from 37.4% which will give them more opportunity to acquire more assets and improve DPU in the future. As technology advances, data have become increasingly important for every business. Guess what would be needed to do that? lol. The numbers definitely look more decent as compared to buying it off the market.

Another thing which I observe is that Keppel DC REIT declares distributions on a half-yearly basis (payment months are in February and August). This would be aligned with our DBS Multiplier strategy which I blogged about here - DBS Multiplier + SSBs + Joint Account = Higher Interest! With this REIT in our CDP, we can probably skip the SSB for August 2018.

All these while, I have been diluted by private placement. This is our first time receiving a private placement offer and it is finally our turn to dilute existing shareholders. Wahahahaha. Since the stock halted at $1.43, the share price will probably fall once it resumes trading. If you are comfortable with the above numbers, you can consider buying some if the price is lesser or around $1.353 :)

Do like any of the following for the latest update/post!
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2. Twitter - KPO and CZM
3. Click here to subscribe using email :)
4. Instagram - KPO_and_CZM (Did you see those delicious food photos to the right -->)

Samsung Pay Rewards - Free Active Fast Charging Wireless Charging Stand!

Updated on 6th May 2018: Unfortunately, the promotion has ended!

KPO is sharing another ridiculously good deal! Unfortunately, this is only for Samsung Pay users!

As Singapore moves towards a cashless society, mobile contactless payment should not be new to anyone. Samsung Pay/Google Pay (previously known as Android Pay)/Apple Pay works similarly to credit/debit cards payWave with the convenience of having all your cards in one device. On top of the usual credit cards rewards/benefits, one can still earn more points/rewards by using mobile contactless payment!

For instance, Milelion recently blogged about the possibility of earning 8 miles per dollar through Citibank-Apple Pay 20X promotion. On the other hand, there is Samsung Pay that rewards users through their own points/rewards system where one will be able to exchange for various items. The return/cashback is slightly difficult to quantify because points are awarded on a transactional basis (not based on spending).

There are 3 reward levels - Bronze (10 points), Silver (20 points), and Gold (30 points). Points are awarded per transaction depending on your level regardless of the amount spent. For instance, if I am a Bronze member and I paid $88 for grocery in NTUC, I will be given 10 points. On the other hand, if CZM is a Gold member and she paid $2 for a Yakun Kopi-C, she will be given 30 points! This is slightly counter-intuitive but if you think about it, we are simply changing the payment method and technically there is no need to further incentivize/reward us. One would need 10 purchases to move from Bronze to Silver and 30 purchases to move from Silver to Gold on that month. The level achieved will be carried over to the next month and you will be required to make the similar amount of purchases to keep the reward level. Remember these are all on top of what the banks are giving, so we are still earning 4 miles per dollar using UOB Visa Platinum and 1.2 miles per dollar through Citi Premier Miles.

Every now and then, Samsung will release new promotions/coupons for users to utilize those points such as Deliveroo promo code, lucky draw, etc. The latest one is a free Samsung Active Fast Charging Wireless Charging Stand (selling at around $98) for just 800 points! This promotion started on 4th May 2018 and will run until 27th May 2018 (while stocks last).

To truly maximize the reward system, one should spend as little as possible and as many times as possible. lol. Everyone needs a cup of coffee everyday right? The number of Kopi-C required or cashback accumulated would be as follows:

	Points	Number of Transaction	Total Cost ($2 per Kopi-C)	Cashback*
Bronze	10	80	$160.00	61%
Silver	20	40	$80.00	123%
Gold	30	26.667	$53.33	184%

*The cashback is based on the retail price of $98 and could be higher if you drink Kopi-O. Hahahaha. Assuming if you do not have sufficient points and would need to accumulate 800 points from start, you will need 44 transactions!

	Points	Number of Transaction	Total Cost ($2 per Kopi-C)	Cumulative Total Points
Bronze	10	10	$20.00	100
Silver	20	30	$60.00	700
Gold	30	4	$8.00	820
		Total Cost	$88.00
		Cashback	111%

Having said that, I am guessing this promotion will probably end much earlier similar to the last promotion where one can exchange 1,800 points for a pair of Cathay movie tickets.

	Points	Number of Transaction	Total Cost ($2 per Kopi-C)	Cashback*
Bronze	10	180	$360.00	7%
Silver	20	90	$180.00	14%
Gold	30	60	$120.00	22%

*The cashback is based on a pair of weekend movie tickets at $13 each and could be lower if you redeem it for weekday movie tickets.

CZM and I have redeemed 1 each. Hope you get yours too :)

Do like any of the following for the latest update/post!
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Portfolio - April 2018 + What is Ezion W230416?

Happy Labour Day everyone! This week will be a very short week for those people that took Monday off :) Our portfolio increase by 4.01% to $336,021 - $7,767.24 of capital injection and $5,180.91 of capital gain.

SOLD
- Ezion (9,900 units) @ 0.225

I blogged about it last week - Ezion - Bleeding Stopped! In short, I am really glad that I sold it off on day 1. My total capital was $6,167.70 and I manage to get back $2,222.26 after ~ 4 years. I lost in total $3,939.30 including commisions which translate to a total loss of -63.9% and an annualized loss of -37.9%!

BOUGHT
- STI ETF (1,000 units) @ $3.40
- Lion-Philip S-REIT ETF (1,000 units) @ $1.006
- Parkway Life REIT (2,000 units) @ $2.78
- Ezion W230416 (5,940 units) @ $0

We bought 1,000 units of STI ETF when the market was throwing a tantrum early April and bought 1,000 units of Lion-Philip S-REIT ETF as part of our new strategy - New Singapore Budget, New REIT Strategy!

I blogged about the possibility of using leverage to increase our return - Leverage - A Double-Edged Sword. The initial plan was to use it to purchase a relatively stable stock giving 5% dividend, use the dividend to pay off the cost of borrowing/interest at 3% and earn the difference. That relatively stable stock is Parkway Life REIT. Having said that, we have yet to use any leverage because we still have money "idling" in our bank account.

Using the above illustration, it makes sense for us to "borrow" from ourselves (KPO Expense Fund) instead of borrowing from the bank. I know it may sound complicated/illogical to some of you but that is how we are managing our money. You can read more about it here - Managing Finances As A Couple.

Last but not least, there is Ezion W230416. As much as I would like to get rid of Ezion totally, it continues to haunt me. So what is W230416? It is a warrant/baby share which allows the shareholder to convert the warrant/baby share into the actual share/mother share before the specified expiry time at the specified conversion price. There are many reasons why a company would issue warrants but I will not get into that.

As you can see, Ezion issued 3 warrants for every 5 shares, the exercise price is $0.2487 and the expiry date is 5 years later on 2023-04-16 (derived from the warrant name). I had 9,900 shares before it was suspended so I was allocated 5,940 warrants (9,900 / 5 x 3) for being a loyal shareholder who did not sell the shares from 8th August 2017 to 16th April 2018. You can refer to this for more information.

Unfortunately, this warrant is not listed and cannot be traded/transferred unlike W200424 which is listed as BSHW with an exercise price of $0.50. Based on the current price of $0.121, both warrants are useless/worthless now because no one in the right mind will pay more to exercise/convert them to actual shares. Having said that, W230416 could be a sign that the management is confident that Ezion's business will recover and the share price will be higher than $0.2487 by 2023. However, existing shareholders do be prepared to be "diluted" in the event when Ezion's share price rise above these 2 exercise price (although I highly doubt that it will happen).

Dividends
The total dividends collected this month is $546.04. The breakdown is as follows:

Company	Symbol	ExDate	Shares	Total
CapitaLand Mall Trust	C38U	26-Apr-18	7,000	$194.60
First Real Estate Investment Trust	AW9U	23-Apr-18	7,109	$152.84
Soilbuild Business Space REIT	SV3U	20-Apr-18	15,000	$198.60

Total dividends collected for 2018: $2,697.52
Average dividends per month for 2018: $674.38

StashAway

Capital: $7,000.00
Current: $6,956.62 (IRR: -1.5%)

Health - KPO Needs to Lose Weight
Date: 2018-05-01
Weight: 72.4 kg (Gain weight! It seems that I have hit a plateau/natural weight of ~71-72++)

BMI: 24.1

Do like any of the following for the latest update/post!
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