Occupy Beach Street Weekly Highlights - 20th July 2014

Are you missing out on all the FUN? Come and join us at Occupy Beach Street this Sunday!

Exciting activities are waiting for you to explore! More Information on www.fb.com/occupybeachstreet

Anyone of you going? I am !!!

Penang to ban foreign cooks in hawker stalls

The Penang government will implement a ban on foreign cooks in hawker stalls to protect their food heritage.

Chief Minister Lim Guan Eng said that hawker licences were only given to the locals but the local council discovered that a few hawkers had employed foreign cooks. 

He said the local council was currently gathering feedback from the public on the matter and that the ban could be implemented as soon as early next year. 

"We are considering to revoke their hawker licences if they are found to hire foreigners as their main cooks but we need to get public feedback before we proceed with the implementation," he told reporters Saturday.

According to research conducted by the Penang Island Municipal Council (MPPP), 119 foreigners were working as cooks in 68 hawker centres in Penang Island. 

Lim said Penang was famous for its hawker food and the food must retain a local taste instead of a foreign taste.

"It defeats the purpose of approving the hawker licence only for the locals if the hawkers employed foreigners as their main cooks," he said. 

He also reminded the hawkers to only employ foreigners as their kitchen helper, waiters or waitresses.

"We will take into consideration the public's needs before proceeding with the implementation," he said. 

Over 68 hawker centres were screened during the research, with the majority of the hawker stalls in Bayan Baru, Relau, Jelutong and Tanjung Tokong operated by foreigners. - Bernama

Ok, this move I 100% agree. I do not want our local hawker food to lose it's style and taste due to foreigner cooks! Support support support!

Bank Negara raises OPR by 25 basis points

Bank Negara Malaysia (BNM) raised the overnight policy rate (OPR) by 25 basis points to 3.25% on Thursday, the first time since May 2011 with economists expecting the rate hike to address the potential rise in financial imbalances. 

Alliance Bank Malaysia chief economist, Manokaran Mottain said the hike in the OPR was a "pre-emptive measure to prevent further disproportionate risk taking as well as reducing asset price misalignments".

"While the central bank in previous instances had preferred to make use of macro prudential tools in reducing asset price bubbles risks, the rate hike will likely deliver greater traction in averting any excessive leveraging activities," he said.

BNM said the decision was made at its monetary policy committee (MPC) meeting as the latest economic indicators pointed to continued strength in exports and private sector activity in Malaysia. It also expected Malaysia's overall economic growth momentum to be sustained.

"The floor and ceiling rates of the corridor for the OPR are correspondingly raised to 3.00% and 3.50% respectively," it said. "At the new level of the OPR, the stance of monetary policy remains supportive of the economy."

BNM said going forward, the overall growth momentum was expected to be sustained while inflation has been relatively stable.

"Exports will continue to benefit from the recovery in the advanced economies and from regional demand. Investment activity is projected to remain robust, led by the private sector."

"Private consumption will be supported by stable income growth and favourable labour market conditions. The prospects are therefore for the Malaysian economy to remain firmly on a steady growth path," it said.

BNM said inflation has been relatively stable as the effects of the price adjustments for utilities and energy continue to moderate. Demand driven inflation remains contained, it added. 

"Looking ahead, inflation is, however, expected to remain above its long-run average due to the higher domestic cost factors. 

BNM added amid the firm growth prospects and with inflation remaining above its long-run average, the monetary policy committee decided to adjust the degree of monetary accommodation. 

This normalisation of monetary conditions also aims to mitigate the risk of broader economic and financial imbalances that could undermine the growth prospects of the Malaysian economy, said the central bank. 

Alliance Bank's Manokaran said the MPC's decision to raise the OPR by 25bps was within expectation as well as market consensus.

He pointed out that since the previous MPC meeting in May, financial markets had been influenced by this expectation.

The ringgit rallied to RM3.172 against the US dollar on Wednesday, up 2.06% gain. At the close on Thursday, the ringgit was trading at RM3.182.

"In the meantime, the rise in OPR will likely improve Malaysia's attractiveness amongst foreign investors, leading to stronger capital inflows, lower bond yields and an appreciating ringgit.

"Looking ahead, we do not see the recently announced OPR hike to be the start of a monetary tightening process. At the new rate, the OPR remains accommodative of growth. In this regard, we expect the OPR to remain unchanged at 3.25% for the rest of 2014," he said. - By The Star

With current situation, increase interest rate, WTF !!??!! New couples and newly graduates really facing tough time going to own a house going forward...

10 Tips to look out for and pay attention when attending JOB INTERVIEW

Hmm, this might not be using to some of you, but I do see the value in it while reading it. It served as a reminder or checklist for any individual to take note while attending an job interview answering questions related to how you handle situations or problem faced. Nice one and no harm reading!

Penang Bon Odori Festival 2014

Date: 19 July 2014

Time: 6pm- 11pm

Venue: Esplanade

*Fireworks display at 10pm

Penang’s most anticipated Japanese cultural  festival is back  this year with exciting games, mouth watering Japanese food, exotic performances and more.

The annual Bon Odori Festival will be happening on the 19 July 2014, from 6pm – 11pm. As usual, the fireworks will start at 10pm sharp.

There will be over 80 stalls selling authentic Japanese food, handicrafts and games. Visitors can also try out Japanese traditional costumes and take photos with Cosplayers.

Two groups, specially imported from Japan will be performing during the night. The first group is a Japanese Folk dance and Dagaya with special taiko drums

There will also be a Miss Yukata Competition this year. The champion will be rewarded with RM1,500. The second prize winner will recieve RM1,000 while the third-placed contestant will receive RM500.

For more information please call 04-650 5136 or  012-4337063.

Make sure if you are planning to enjoy this show, be there early or be there using motorcycle, else you will be in deep frustrated with the traffic there. Enjoy the fireworks!

Occupy Beach Street Weekly Highlights - 06th July 2014...DON'T MISS IT!

Weekly Highlights - 06th July 2014

Are you missing out on all the FUN? Come and join us at Occupy Beach Street this Sunday!

Exciting activities are waiting for you to explore! More Information on www.fb.com/occupybeachstreet

Do come out early Sunday and join, this is very fun and exciting! Total recommendation!

Jennifer Lopez to perform in 2014 Formula 1 Singapore Grand Prix in September

Latina superstar Jennifer Lopez is joining the amazing line-up of international stars who will be performing over the 2014 Formula 1 Singapore Airlines Singapore Grand Prix race weekend (Sept 19-21) at the Marina Bay Street Circuit.

Lopez, who just released her eight studio album A.K.A, last performed in Singapore in 2012 at Gardens by the Bay.

The 44-year-old singer proves that a little heartbreak – she separated from Casper Smart, her boyfriend of almost three years recently – is not going to stop her from shaking her derriere around the world.

La Lopez was seen jiggling what her momma gave her at the Fifa World Cup 2014 opening ceremony in Brazil last month, performing the official song We Are One with Pitbull and Brazilian singer Claudia Leitte.

Also scheduled to perform at the September event in Singapore are Robbie Williams, Mayday, John Legend, Pet Shop Boys and Ziggy Marley. More artistes will be unveiled soon.

I wonder what about Malaysia GP? Who is performing? Who is pulling the strings? Or am I just dreaming?

Mom's Bake newly delicious product - Fudge Chocolate Brownie!!!

Hmm, make no mistake, I must intro this finger licking yummy food to each and everyone, all readers out there. Mom's Bake latest offering captures my heart completely! For the very simple reason, I love the wet and sticky brownie and I love chocolates! The sweetness, the aroma and the stickiness just suits me perfectly the best! I LOVE IT !!!

Fudge Chocolate Brownie .. Intro Price: RM14. Usual Price: RM16. Order Now !!!

For the introduction of this latest yummy product, Mom's Bake is doing promotion - RM14 instead of RM16. Don't miss out this great opportunity, be fast and grab the offer. Please ping me if interested, I can help to place order and provide more information of the delivery (only in Penang). After all, I guarantee you that your RM14 will be value for money and money well spend for such a nice dessert!

Facebook scores record 1 billion interactions for World Cup ....LIKE LIKE LIKE!

SAO PAULO: With 1 billion posts, likes and comments in just the first half of the World Cup, the soccer tournament is already the most talked-about event in Facebook Inc’s decade-long history, data obtained by Reuters showed.

The soccer conversation measured between June 12 and June 29 involved 220 million people and 1 billion interactions, the Facebook data showed.

And since the ball will be rolling for another two weeks, the tournament is set to break new records as the biggest social media event to date.

“People are having conversations on Facebook about what they watch in a really unprecedented scale,” Nick Grudin, the company’s director of partnerships, told Reuters.

“In addition to sharing and connecting with friends, people are engaging in real time with the media and the public voices they care about most.”

Facebook is the latest social media company to capitalize on TV-related traffic around big events like the World Cup, a trend started years ago by the microblog website Twitter Inc.

People use Facebook to comment about things they watch live, an interaction that could turn into a source of ad revenue for the company.

Facebook’s record numbers were possible because of widespread mobile penetration. Seven out of 10 users globally connect to the network from mobile devices, which represent roughly 60 percent of the company’s ad revenue.

There is also soccer’s global appeal. The first week of the World Cup alone saw 459 million interactions on Facebook, more than this year’s Super Bowl, the Sochi Winter Olympic Games and the Academy Awards combined.

The 1 billion mark was reached after traffic accelerated as the World Cup moved into the knockout round. On Saturday, more than 31 million people put up 75 million posts, likes and comments about Brazil’s nail-biting victory over Chile, which propelled the home team to the quarter-finals.

“This Cup has been a catalyzing cultural moment for people around the world,” Grudin said, “and we see it reflected on Facebook.”--REUTERS

www.nst.com.my

I for once never doubt the power of Facebook, it's so widely use and talk about topics....well done Facebook and well done World Cup 2014!

GALAXY Life Treats YOU FREE Chatime of your choice!

GALAXY fans! Who loves CHATIME?! GALAXY Life's got GOOD news for you! How about a.... FREE Chatime redemption via GALAXY Life?! Oh! If you flash out your GALAXY S5, you get TWO free Chatime! 
Hurry on down to any** Chatime near you from 8.00pm onwards!

Date: 30th June 2014
Time: 8:00pm - 10:00pm

Choice of drinks (REGULAR) worth RM5.90:
1. Pearl Milk Tea
2. Grass Jelly Roasted Milk Tea
3. Honeydew Milk Tea
4. Hazelnut Chocolate
5. Passion Fruit QQ
6. Wintermelon Grass Jelly

Simply follow these steps to get your hands on the FREE Chatime!:
1. Download GALAXY Life application on Google Play Store.
2. Launch the GALAXY Life application and sign in with your Samsung Username and Password.
3. Select the FREE Chatime deal on GALAXY Life’s page
4. GALAXY Life users will need to press on the "REDEEM IT” to get your e-Voucher.
5. Store personnel will record your redemption code by pressing “Shop Staff Swipe” to record your order
6. ENJOY your refreshing Chatime! =)


*Terms & conditions apply
**All Chatime outlets except: Kenanga Wholesale City, Mid Valley, Taylors Lakeside, Masjid Jamek, Genting Highland, KLIA2, Queensbay Mall.


Terms & Conditions
1. Offer valid only for Samsung GALAXY Life and Samsung GALAXY S5 users, first come first serve basis and while allocated stocks last. Any changes of the redemption will be subject to the availability of the drinks at the time of the redemption.
2. Samsung GALAXY S5 users may redeem one (1) e-voucher for two (2) Regular Chatime.
3. Samsung GALAXY Life user may redeem one (1) e-voucher for one (1) Regular Chatime.
4. Valid at selected Chatime outlets on 30th June, 2014 from 8pm – 10pm only.
5. This e-voucher is valid for the following:
a) Regular Chatime worth RM5.90
b) Flavors: 

• Pearl Milk Tea
• Grass Jelly Roasted Milk Tea
• Honeydew Milk Tea
• Hazelnut Chocolate 
• Passion Fruit QQ
• Wintermelon Grass Jelly

6. E-voucher is not redeemable for cash, not exchangeable or transferable, and cannot be used in conjunction with other promotional offers. 
7. A valid privilege e-voucher within the 60-minutes countdown and “Shop Staff Swipe” must be presented upon redemption and verification. 
8. Not applicable to any redemption prior or after the redemption time. 
9. Samsung Malaysia Electronics (SME) Sdn Bhd reserves the right to amend the terms and conditions at its sole discretion without giving any prior notice. 
10. Samsung Malaysia Electronics (SME) Sdn. Bhd. shall not be liable for any loss or damage whatsoever which is suffered (including but not limited to indirect or consequential loss) for personal injury which is suffered or sustained, as a result of accepting or using any of the e-vouchers. 
11. By redeeming the e-voucher, GALAXY LIFE user agrees to release and hold the Samsung Malaysia Electronics (SME) Sdn bhd and its employees, officers, directors, shareholders, agents, representatives, parent companies affiliates, subsidiaries, licensees, advertising, promotion, and fulfilment agencies, and legal advisors, harmless from any and all losses, damages, rights, claims and actions of any kind in connection with the e-voucher redemption or resulting from acceptance, possession, use or misuse of the ticket, or from any gift-related activity, including without limitation, personal injury, death, and property damage, and claims based on publicity rights, defamation, or invasion of privacy.
12. Other terms & conditions may apply.

Visit the Samsung Mobile Malaysia Facebook page for more details.

For those of you who are great fans of ChaTime and Samsung owner, now it's the time!!!

McDonald's Limited Edition of Coca-Cola glasses Collection 2014

Coca-Cola Glasses are back at McDonald’s! 
Now with 6 new classy patterns.

Available with every Large Coca-Cola Glass Meal from 26 June, 11am onwards. New patterns available every Thursday. Start with the Ripple Glass tomorrow. Hurry! While stocks last!

Promotion Period: 26 June - 30 July 2014
It's across all McDonald's restaurants in Malaysia....

Coca Cola glass collection period schedule and timeline:

• Ripple: 26 June - 2 July 2014
• Diamond: 3 July - 9 July 2014
• Linear: 10July - 16 July 2014
• Steel: 17 July - 23 July 2014
• Mosaic: 24 July - 30 July 2014

Specific terms applies such as:

1. Once Coca-Cola glass with every Large Coca-Cola glass meal.
2. Promotion only valid between 11am - 6pm.
3. Promotion valid while stock last.

Make sure you value your collection after you pay and collect it, not just for the sake of collecting!

High 5 Bread: Guess FIFA World Cup 2014 The Champion, Runners Up and 3rd Place Winner Contest

How To Participate

1. Purchase RM5 of High 5 Products from 7-Eleven in order to participate in the contest.

2. Snap or scan a copy of the 7-Eleven official receipt as proof of purchase.

3. Contestant must submit the above as stated via Facebook Message. In addition, contestants are required to guess The Champion, Runner Up, and 3rd Place Winner accordingly for the World Cup 2014.

4. 3 lucky winners will be selected from the pool of correct entries.


Prizes

3 x Backpack


Terms & Conditions apply.

Contest Period: 23rd June 2014 - 8th July 2014 (12:00pm)

Visit the High 5 Bread Facebook page for more details.

Who says eat more bread is not good? It's ABSOLUTELY GOOD and rewarding !!!

Boost Juice Bars: Buy 1 Get 1 for 50% off 6 more days !!!

Celebrate your day with Boost Happy Hour at Boost Juice Bars Encorp Strand Mall!

Rock up to the store with your family and friends from 23rd - 30th June 2014 to enjoy this deal!

6:00pm - 8:00pm (Weekdays only)

* Original low fat smoothies or crushes only.
* Not valid with any other offers.
* No stamps & VIBE points will be rewarded.

Visit the Boost Juice Bars Malaysia Facebook page for more details.

Isn't this sweet? I'm sure many of you will love it, so what are you waiting for???

The STAR: Win With Words

How To Participate

1. Cut and collect original letters printed daily in The Star.
* Please use ONLY ORIGINAL LETTERS as well as ORIGINAL ENTRY FORMS printed in The Star. Photocopies of any kind will be disqualified.

2. Complete English words by sticking the letters on to original Entry Forms for each series.
The first letter is provided & distinct for each series. Just complete 3 different words by sticking the remaining letters needed in the boxes provided. You MUST complete all 3 words in each entry form.

3. Write down the TOTAL POINTS.
Including the points from the 1st letter already provided.

4. Accumulate as many complete entry forms as possible to be the highest scorer.

• You are recommended to stick each entry form on a separate paper/cardboard.
• Count the TOTAL ENTRY FORMS and GRAND TOTAL POINTS from all your entry forms.
• Write both TOTALS on a piece of paper and submit together in 1 envelope.
• Send in via any method that will ensure delivery within the deadline of each series.

Send MORE entries in 1 envelope to get HIGHER points.
For Hong Leong Bank customers, get extra 100 when you open a deposit account with RM1,000.

Contest Weeks:

1. Series 1: from 23/06 to 06/07/14. The closing date of submission is 06/07/14.
2. Series 2: from 07/07 to 20/07/14. The closing date of submission is 20/07/14.
3. Series 3: from 21/07 to 03/08/14. The closing date of submission is 03/08/14.
4. Series 4: from 04/08 to 17/08/14. The closing date of submission is 17/08/14.

Terms & Conditions apply.

Contest Period: 23rd June 2014 - 17th August 2014

Visit the Win With Words - The Star website for more details.

If you are free and patience, please join, it's going to be fun!

5 Common HomeLoan Mistakes to Avoid

Taking a home loan? Here are 5 common home loan mistakes that people make especially when they’re applying for it for the very first time. Read on so you can avoid these pitfalls too.

Diving in when you’re not qualified

Banks, by nature, are generally eager to offer home loans to qualified homebuyers. The keyword, though, is “Qualified”. In Malaysia, a qualified home loan applicant generally refers to one with the appropriate Debt Service Ratio (DSR) and has no red marks on the Central Credit Reference Information System (CCRIS) report collated by Bank Negara. If you don’t fit the criteria, they’ll have no problem rejecting your application. So before you apply you’ll want to make sure you’ve done the necessary preparations and are not fighting a lost cause right from the start.

Tips on DSR and CCRIS

• You can easily check your DSR by dividing your total monthly debt / loan commitment (including the loan you plan to take) against your monthly income. Say the bank has a DSR requirement of 50% and your monthly income is RM10,000; you’re considered a qualified candidate if your total loan / debt commitment is RM5,000 or less.
• You can make sure your CCRIS is clean simply by servicing all your existing loans, debts and credit card bills on time.

Going straight for the lowest interest rate and nothing else

You’re going to borrow a big sum of money. Obviously, you’ll sign up with whoever that offers you the lowest interest rate. Right? To a certain extent, it is. Your priority should definitely lies with getting the lowest possible interest rate, but you shouldn’t forget about things like margin of financing, lock-in period, and simple stuffs like making sure a branch is within your vicinity.

For a list of things you should consider, check out these 6 things you should consider when taking up a home loan to buy a house in Malaysia.

Applying with just one bank and telling them so

In Malaysia, it has become a general practice for seasoned homebuyers to “shop around” for the best home loan deals before you commit (NOTE: to find out how, read our guest post with renowned Malaysian property guru Jeffery Lam).  Apply with only one bank, and what you’re really doing is giving yourselves no other options even if the terms offered to you are appallingly bad.

The even worse mistake you could be making is telling a loan officer that “they are the only bank you’re applying with”. It’s pretty much the same as giving them the licence to give you the worst possible rate, because they’d know you have no where else to turn to as the 2-or-3-week deadline you’re usually given by the housing developers runs down.

Not factoring in your home loan costs

Home loan involves fees, charges and even home insurances that may come as a surprise for the inexperienced homebuyers. Some banks absorb part of these charges, whilst others may not. Most homebuyers have limited funds (and hence the need to take a loan), so it is imperative that you understand these charges involved before you commit.

To understand the major fees and charges associated with buying a property through a home loan, please refer to our article “Are You Financially Ready to Buy a House in Malaysia” written for The Star Property.

Not reading the terms & conditions

At iMoney, we’ve always emphasised on the need to read all the fine prints for anything that involves money. This goes for your home loan agreement as well. If you don’t have the capacity to do so, make sure you get the loan officer to point out all the things that matter (such as loan amount, interest rate, instalment amount, loan period, margin of finance, lock-in period, early settlement penalty and fees & charges).

The general rule: if it doesn’t appear in your agreement, it doesn’t take effect. Period. So if your home loan shows a lock-in period of 3 years whilst your officer is telling you it’s 1 year, the former wins. All the time.

www.imoney.my

Good sharing from imoney.my. Very useful tips and guidance, worth a read...

SENHENG TOSHIBA Share and Win Contest 2014

This is so simple !!! Just follow the instruction in the site, and stand a chance to win !!! Good luck!

INFO: Understanding the G-spot

Saw this article in one of my facebook post shared out by my friend. It may not be useful to you or me, just education purpose wise, no harm to read and know :)

The G-spot is one of the media's favourite erogenous zones. Its existence has been questioned more times than the Lock Ness Monster and there seems very little consensus about the role and function of this elusive area. Some claim it's an extension of the clitoris. Others claim it's imaginary. However, while scientist's opinions do vary, one thing's for sure. Every woman is different.

Some women have an area a few inches inside their vagina on the upper wall that swells when pressed and stroked, and can give intensely pleasurable sensations. Others find the same area simply gives them the urge to pee when stroked, and some women can't find it at all. Rubbing different parts inside the vagina can cause muscular contractions and some women report that they ejaculate when the area they describe as the G-spot is stimulated.

To find your G-spot, slide a finger inside the vagina then curl the tip as if crooking the finger and beckoning someone. Go slowly and pay attention to the way it feels under your finger: if you find the G-spot, it should swell. Continue to press lightly, using circling motions to explore and you'll soon discover whether you're aroused by G-spot stimulation or not. If it proves elusive, a sex toy – ideally with a curved tip – may make your mission easier.

Should you discover it's a new erogenous zone, think about positions that can stimulate it. Doggy style (with the woman on her knees and man on all fours behind her) and raised missionary (with woman’s ankles clasped around the mans neck) are both great for hitting the G-spot, and make it easy for the woman to caress her clitoris too. Manual stimulation from behind can be really effective, as can toys with curved heads or strongly defined curves.

And if you can't find your G-spot? Don't worry about it. We're all different and what works for one person can be a huge turn off to another. Who knows, maybe you'll have an erogenous zone all of your own...

The Male G Spot

Men also have the equivalent of a G-spot – known as the prostate gland. This is a few inches inside the anus on the upper wall. Not every man enjoys prostate stimulation but it's certainly worth considering regardless of your sexuality.Many men explore it during self pleasure and it can also add pleasure to other sexual play, if taken in a slow, lubricated and safe way.

ALLIANZ "Why Your Dad Is Your Superman" caption contest LAST DAY TODAY

It’s the LAST DAY for submission for the creative caption on ‘Why Your Dad is Your Superman’? Submit your entry to online.feedback@allianz.com.my

Not sure if only Allianz customers can join or it's open to public, but no harm to try since we don't lose anything. Best 3 caption wins !!!

Dengue Cases In Penang Rises By 177 Per Cent

GEORGE TOWN, June 11 (Bernama) -- Dengue fever cases in Penang rose by 177 percent to 807 cases as at June 7, an increase of 516 cases compared to the 291 cases reported for the corresponding period of last year.

The Chairman of the State Committee for Agriculture, Agro-based Industry, Rural Development and Health, Dr Afif Bahardin said the number of cases was expected to continue to rise following the dry weather and erratic rain lately.

"The dengue trend actually dropped slightly from the 13th week up to the 20th week but rose significantly in the following week until now due to the change in weather," he told reporters, here Wednesday.

He said there were four localities with the highest dengue cases namely Taman Dahlia in Butterworth; Taman Seri Impian, Bukit Mertajam; Jalan Kuantan and Jalan C.Y Choy here.

He said that the district health offices and the local authorities would launch the 'gotong-royong perdana' two weeks before the Muslim month of Ramadan.

-- BERNAMA

No wonder why the places I went (forrest hiking to garden walking) are full of mosquitoes apart from staying inside home....Please help and work together to combat this for a better living !

EPSON: Score A Stadium View For Your Home contest

Stand a chance to win an Epson 3D Home Projector for the finals!

Share the joy of watching the finals live, stadium style. All you have to do is guess the participating country teams headed to Rio that the projectors' colours closest resemble. Just click on the "Join Now!" button to win an Epson projector today!

How To Participate

1. Visit the contest page and register your details.

2. Answer the questions correctly.


Prizes

Grand Prize x 1: Epson Projector EH-TW5200

First Runner Up Prize x 3: Epson Projector EB-X03

Consolation Prize x 8 : RM500 AEON Shopping Vouchers


Terms & Conditions apply.

Contest Period: 3rd June 2014 - 23rd June 2014

Visit the EPSON website for more details. 

No purchase require! You just need to enter  your particulars, answer some EPSON related questions and guess some football nation's colour...EASY AS THAT !!! Good luck everyone!