ERA ACADEMY
2025 Sep
ERA ACADEMY
2025 Sep
USM 1
2025 Aug
ULTIMATE SALES BOOSTER
2025 Aug
ULTIMATE SALES BOOSTER
2025 Aug
USM 1
2025 Aug
ERA ACADEMY
2025 Aug
USM 1
2025 May
UAS
2025 May
SALES+ NEW P2 ANALYTICS CRUSHING YOUR COMPETITION WITH THE ALL NEW PRESENTER AND TREND ANALYSIS 2.0
2025 May
USM 1
2025 May
ERA ASIA PACIFIC BUSINESS CONFERENCE 2025
2025 Apr
ULTIMATE SALES BOOSTER
2025 Jan
ERA ACADEMY
2024 Nov
NEXT LEVEL
2024 Nov
NEXT LEVEL PROJECT CLOSING TO YOUR FIRST DIAMOND
2024 Nov
USM 1
2024 Nov
ERA ACADEMY
2024 Nov
UAS
2024 Nov
ULTIMATE SALES BOOSTER
2024 Nov
USM 1
2024 Nov
USM 1
2024 Nov
ERA ACADEMY
2024 Nov
MONTHLY DIRECTION
2024 Jul
MONTHLY DIRECTION MAXIMIZING REAL ESTATE CYCLES TRENDS, TIMING AND OPPORTUNITIES BY EDA ALEX LIM
2024 Jul
ERA ACADEMY
2024 Jul
ULTIMATE SALES BOOSTER
2024 Jul
USB | UPDATES ON COMPLIANCE ISSUES - SVP NICHOLAS POA
2024 Jul
USM 1
2024 Jul
ULTIMATE SALES BOOSTER
2024 Jul
USM 1
2024 Jul
UAS
2024 Jul
ULTIMATE SALES BOOSTER
2024 Jun
MONTHLY DIRECTION
2024 Jun
MONTHLY DIRECTION PROPERTY MARKET STRATEGIES ENHANCE YOUR NEW HOME SALES WITH 5 SIMPLE STEPS BY EDA EUGENE KOH
2024 Jun
ERA ACADEMY
2024 Jun
ERA ACADEMY
2024 Apr
ERA ACADEMY
2024 Apr
USM 1
2024 Apr
USM 1
2024 Apr
ERA ASIA PACIFIC BUSINESS CONFERENCE 2024
2024 Mar
ULTIMATE SALES BOOSTER
2024 Feb
P204S0993 = MARKETING COMMERCIAL SHOPHOUSES - ONLINE - ZOOM
2024 Feb
UAS
2024 Feb
P201S1083 = HDB RESALE ELIGIBILITY AND CALCULATIONS - BUYERS - ONLINE - ZOOM
2024 Jan
MONTHLY DIRECTION
2024 Jan
USM 1
2023 Dec
USM 1
2023 Dec
USM 1
2023 Nov
ULTIMATE SALES BOOSTER
2023 Nov
UAS
2023 Nov
USM 1
2023 Nov
USM 1
2023 Nov
ULTIMATE MARKET INTELLIGENCE SEMINAR
2023 Nov
ULTIMATE SALES BOOSTER
2023 Nov
USM 1
2023 Nov
Q4 CAD
2023 Nov
USM 1
2023 Nov
ULTIMATE SALES BOOSTER
2023 Oct
PROJECT EXPERT
2023 Oct
MONTHLY DIRECTION
2023 Oct
SHIFTING PERSPECTIVES UNVEILING THE TRUE MEANING OF NET WORTH
2023 Oct
CONFERENCE
2023 Oct
USS 3
2023 Oct
P201S0963 : ESSENTIAL KNOWLEDGE FOR HDB OWNERS UPGRADING TO EXECUTIVE CONDOMINIUM - ONLINE - ZOOM
2023 Sep
LUXURY MARKET TOUGH MARKET TOUGHER MINDSET
2023 Sep
ACTION FOR AGENTS - FINDING SUCCESS IN THE REAL ESTATE BUSINESS
2023 Aug
OLD IS GOLD CONSERVATION SHOPHOUSE MASTERY
2023 Aug
FROM REALTOR TO LANDED EXPERT A JOURNEY OF TRIUMPH
2023 Aug
USM 1
2023 Aug
SALES+ TRAIN THE TRAINERS WORKSHOP
2023 Aug
USM 1
2023 Aug
RESALE LENS AND LISTING MANAGER
2023 Aug
ULTIMATE SALES BOOSTER
2023 Aug
USM 1
2023 Aug
STRATEGIES AND TIPS FROM MILLIONAIRE AGENTS
2023 Aug
NEXT LEVEL
2023 Aug
ULTIMATE SALES BOOSTER
2023 Aug
ULTIMATE MARKET INTELLIGENCE SEMINAR
2023 Aug
Q3 CAREER ADVANCEMENT DAY
2023 Aug
MONTHLY DIRECTION
2023 Jul
ULTIMATE SALES BOOSTER
2023 Jul
ULTIMATE SALES BOOSTER
2023 May
RE-MODEL YOUR FINANCIAL DISPLAY WITH ASSET ADVISOR & TIME PLANNER
2023 May
USM 1
2023 May
USM 1
2023 May
MONTHLY DIRECTION
2023 May
Q2 CAREER ADVANCEMENT DAY
2023 May
USM 1
2023 Apr
ULTIMATE SALES BOOSTER
2023 Apr
MONTHLY DIRECTION
2023 Apr
USS 6
2023 Apr
USM 1
2023 Apr
ULTIMATE SALES BOOSTER
2023 Mar
USM 1
2023 Mar
ULTIMATE SALES BOOSTER
2023 Mar
MONTHLY DIRECTION
2023 Mar
ASIA PACIFIC BUSINESS CONFERENCE 2023
2023 Mar
USM 1
2023 Mar
CONFERENCE
2023 Feb
MILLIONAIRE ACHIEVERS' CHINESE MARKET SEMINAR
2023 Feb
SUITE: MARKETING & MY WEBSITE
2023 Jan
USM 1 : ERA DIGITAL TOOLS
2023 Jan
MONTHLY DIRECTION WITH COO THOMAS TAN
2022 Nov
USM 1 : ERA DIGITAL TOOLS
2022 Nov
ULTIMATE SALES BOOSTER
2022 Nov
USM 1 : ERA DIGITAL TOOLS
2022 Nov
ULTIMATE WEALTH SEMINAR
2022 Nov
Q4 CAREER ADVANCEMENT DAY
2022 Nov
ULTIMATE SALES BOOSTER
2022 Nov
USM 1 : ERA DIGITAL TOOLS
2022 Nov
ULTIMATE MARKET INTELLIGENCE SEMINAR
2022 Nov
ULTIMATE WEALTH SEMINAR
2022 Nov
UNCOVER THE SECRETS OF FINANCIAL WHIZ
2022 Oct
USM 1 : ERA DIGITAL TOOLS
2022 Oct
USM 1 : ERA DIGITAL TOOLS
2022 Oct
TALK ON PERSONAL TAX & FAMILY OFFICE
2022 Oct
ULTIMATE SALES BOOSTER
2022 Oct
USM 1 : ERA DIGITAL TOOLS
2022 Oct
ULTIMATE WEALTH SEMINAR
2022 Sep
MONTHLY DIRECTION WITH COO THOMAS TAN
2022 Sep
ERA Q3'22 CAREER ADVANCEMENT DAY
2022 Aug
ULTIMATE WEALTH SEMINAR
2022 Aug
ULTIMATE SALES BOOSTER
2022 Aug
ULTIMATE SMART MARKETING
2022 Aug
LEGAL TALK
2022 Aug
PHYSICAL CLASS
2022 Jul
ULTIMATE CONSUMER SEMINAR
2022 Jul
ULTIMATE SALES BOOSTER
2022 Jul
USM 1 : ERA DIGITAL TOOLS
2022 Jul
MONTHLY DIRECTION WITH COO THOMAS TAN
2022 Jul
ULTIMATE SALES BOOSTER
2022 Jul
ULTIMATE SALES BOOSTER
2022 Jul
ULTIMATE MARKET INTELLIGENCE SEMINAR
2022 Jul
LEGAL TALK
2022 Jul
ULTIMATE SMART MARKETING
2022 Jun
MONTHLY DIRECTION WITH COO THOMAS TAN
2022 Jun
USM 1 : ERA DIGITAL TOOLS
2022 Jun
LEGAL TALK
2022 Jun
USM 1 : ERA DIGITAL TOOLS
2022 Jun
ULTIMATE WEALTH SEMINAR
2022 Jun
ERA Q2'2022 CAREER ADVANCEMENT DAY
2022 May
UAP 2
2022 Apr
DIGITAL TALK SERIES
2022 Apr
USS 2 : CONDO AND EC MASTERY
2022 Apr
USM 1 : ERA DIGITAL TOOLS
2022 Apr
USP
2022 Apr
MONTHLY DIRECTION WITH COO THOMAS TAN
2022 Apr
USM 1 : ERA DIGITAL TOOLS
2022 Apr
LEGAL TALK
2022 Apr
ULTIMATE WEALTH SEMINAR
2022 Apr
ASIA PACIFIC BUSINESS CONFERENCE 2022
2022 Apr
USM 1 : ERA DIGITAL TOOLS
2022 Feb
ULTIMATE SALES BOOSTER
2022 Feb
MONTHLY DIRECTION WITH COO THOMAS TAN
2022 Feb
ULTIMATE SMART MARKETING
2022 Feb
PHYSICAL CLASS
2022 Feb
USM 1 : ERA DIGITAL TOOLS
2022 Feb
FENG SHUI TALK
2022 Feb
ULTIMATE WEALTH SEMINAR
2022 Feb
INDUCTION PROGRAMME
2022 Feb
ULTIMATE SMART MARKETING
2022 Feb
USM 1 : ERA DIGITAL TOOLS
2022 Jan
P106S0621 - TRANSFERRING OWNERSHIP OF A PROPERTY - PART 2 ONLINE -ZOOM
2022 Jan
P202S0942 - STEP-BY-STEP GUIDE FOR FOREIGNERS BUYING PROPERTY IN SINGAPORE - ONLINE - ZOOM
2022 Jan
REALTY WATCH
2022 Jan
UTE 2
2022 Jan
MONTHLY DIRECTION WITH COO THOMAS TAN
2022 Jan
ULTIMATE SALES BOOSTER
2022 Jan
USM 1 : ERA DIGITAL TOOLS
2022 Jan
ULTIMATE SALES BOOSTER
2022 Jan
ULTIMATE WEALTH SEMINAR
2022 Jan
ULTIMATE WEALTH SEMINAR
2022 Jan
LEGAL TALK
2022 Jan
USS
2021 Nov
UTE 2
2021 Nov
ULTIMATE WEALTH SEMINAR
2021 Nov
ULTIMATE SALES BOOSTER
2021 Nov
ULTIMATE SALES BOOSTER
2021 Nov
LEGAL TALK
2021 Oct
USM 1 : ERA DIGITAL TOOLS
2021 Oct
ULTIMATE WEALTH SEMINAR
2021 Sep
MONTHLY DIRECTION WITH COO THOMAS TAN
2021 Sep
P202S0942 - STEP-BY-STEP GUIDE FOR FOREIGNERS BUYING PROPERTY IN SINGAPORE - ONLINE - ZOOM
2021 Aug
MONTHLY DIRECTION WITH CEO MARCUS CHU
2021 Jul
UTE 2
2021 Jul
ULTIMATE SMART MARKETING
2021 Jul
USS 6 : BREAKTHROUGH SALES WITH COMMERCIAL PROPERTIES!
2021 Jul
ULTIMATE SALES BOOSTER
2021 Jul
USM 1 : ERA DIGITAL TOOLS
2021 Jul
UAS
2021 Jul
UTE 1 : RECRUITMENT VIA FACEBOOK
2021 Jul
USM 1 : ERA DIGITAL TOOLS
2021 Jul
ULTIMATE WEALTH SEMINAR
2021 Jul
ULTIMATE SMART MARKETING
2021 Jul
REAL ESTATE LEGAL TOOLKIT
2021 Jun
MONTHLY DIRECTION WITH CEO MARCUS CHU
2021 Jun
ULTIMATE WEALTH SEMINAR
2021 Jun
P204S0798 - UNDERSTAND RETAIL LEASING INDUSTRY - ONLINE - ZOOM
2021 Apr
ULTIMATE SMART MARKETING
2021 Apr
USM 1 : ERA DIGITAL TOOLS
2021 Apr
USP
2021 Apr
UTE 2
2021 Apr
ULTIMATE SALES BOOSTER
2021 Apr
BREAKTHROUGH SALES WITH COMMERCIAL PROPERTIES!
2021 Mar
USS 6 : BREAKTHROUGH SALES WITH COMMERCIAL PROPERTIES!
2021 Mar
MONTHLY DIRECTION WITH COO MARCUS CHU
2021 Mar
USM 1 : ERA DIGITAL TOOLS
2021 Mar
ULTIMATE SMART MARKETING
2021 Mar
WEBSITE MARKETING SEMINAR
2021 Mar
UTE 2
2021 Mar
USS 6 : BREAKTHROUGH SALES WITH COMMERCIAL PROPERTIES!
2020 Dec
CAREER ADVANCEMENT DAY
2020 Nov
ERA TRAINING
2020 Oct
ULTIMATE WEALTH SEMINAR
2020 Oct
USP 2 : ASSETS PROGRESSION
2020 Oct
UTE 2
2020 Oct
ERA TRAINING
2020 Oct
SOCIAL MEDIA MARKETING SEMINAR
2020 Oct
USS 1 : PROJECT MARKETING MASTERY
2020 Oct
UTE 1 : RECRUITMENT VIA FACEBOOK
2020 Oct
ERA TRAINING
2020 Oct
LEGAL TALK
2020 Oct
WEBSITE MARKETING SEMINAR
2020 Oct
UTE 2
2020 Sep
ERA Q3'20 CAREER ADVANCEMENT DAY
2020 Aug
WEBSITE MARKETING SEMINAR
2020 May
DIGITAL PLATFORM SEMINAR
2020 May
DYNAMIC DIALOGUE
2020 May
DYNAMIC DIALOGUE WITH CIRCUIT BREAKER CONQUERORS
2020 May
USS 1 : PROVEN TRADEMARK SALES TECHNIQUES IN PROJECT CLOSING
2020 May
ERA TRAINING
2020 May
DPS | HOW TO ACE YOUR PROSPECTING DURING THE CIRCUIT BREAKER BY 99.CO
2020 May
WECHAT SEMINAR
2020 May
WECHAT SEMINAR | USE WECHAT TO BUILD A GREAT BRAND DURING COVID-19! BY WARREN TEH
2020 May
ERA DIGITAL TOOLS
2020 May
USM 1 | FULFIL YOUR REAL ESTATE GOALS WITH MYERA! BY DAVID SEAH
2020 May
EMAIL MARKETING SEMINAR | EMAIL MARKETING FOR REAL ESTATE BY EMARSTIY
2020 May
PERSONAL BRANDING SEMINAR
2020 May
USM 3 | HOW TO BOOST YOUR DIGITAL QUOTIENT DURING CIRCUIT BREAKER (ONLINE FREE SESSION) BY SOPHIA NG
2020 May
USM 4 | PERSONAL BRANDING SEMINAR (ONLINE FREE SESSION) BY ALTON SEOW
2020 May
ULTIMATE MARKET INTELLIGENCE SEMINAR
2020 May
WECHAT SEMINAR | HOW TO SECURE YOUR LEADS AND CREATE AN EFFECTIVE REFERRAL CLIENT BASE BY LEO GAO
2020 May
DIGITAL PLATFORM SEMINAR
2020 May
DPS | HARNESS THE POWER OF DATA ANALYTICS WITH SOREAL BY SOREAL
2020 May
LANDED MASTERY
2020 May
USS 3 | LANDED MASTERY (ONLINE FREE SESSION) BY BJORN CHUA
2020 May
DYNAMIC DIALOGUE WITH THE CBP CONQUERORS
2020 May
USS 1B | PROJECT FINANCING SIMULATOR - JACKSON WOO
2020 Apr
ULTIMATE MARKET INTELLIGENCE SEMINAR
2020 Apr
ULTIMATE MARKET INTELLIGENCE SEMINAR | COVID-19 GREAT LOCKDOWN - MARCUS CHU, COO
2020 Apr
ULTIMATE WEALTH SEMINAR | STAY ON TOP OF YOUR BUSINESS!
2020 Apr
[UCS] TEA TALK SERIES | 29 APRIL 2020 | 5-6PM | BY GARY LAU
2020 Apr
P204S0798 - UNDERSTAND RETAIL LEASING INDUSTRY - ONLINE - ZOOM
2020 Apr
USS 2 | CONDO & EC MASTERY - EUGENE LIM, RYAN CHEANG & DARRYL HO
2020 Apr
"REMOTE CONTROL" CLOSINGS WITH 360 VIRTUAL TOURS
2020 Apr
ERA DIGITAL TOOLS
2020 Apr
ERA DIGITAL TOOLS | WHAT’S NEW FOR IERA?
2020 Apr
LUNCH CHAT ON HOME ERGONOMICS
2020 Apr
USM | "REMOTE CONTROL" CLOSINGS WITH 360 VIRTUAL TOURS (ONLINE FREE SESSION) - KEITH TAN
2020 Apr
[UCS] TEA TALK SERIES | 24 APRIL 2020 | 5-6PM | BY ZAC HUANG
2020 Apr
EMAIL MARKETING SEMINAR
2020 Apr
EMAIL MARKETING SEMINAR | EMAIL MARKETING FOR REAL ESTATE BY EMARSTIY
2020 Apr
[UCS] TEA TALK SERIES | 23 APRIL 2020 | 5-6PM | BY KEVIN LIM
2020 Apr
MASTERING FACEBOOK FROM BEGINNER TO EXPERT
2020 Apr
P105S0791 - CPF USAGE & HDB HOUSING LOAN AFTER 10 MAY 2019 - ONLINE - ZOOM
2020 Apr
SOCIAL MEDIA MARKETING SEMINAR
2020 Apr
SOCIAL MEDIA MARKETING SEMINAR | ACCELERATE YOUR LEAD GEN WITH 3C'S TECHNIQUES
2020 Apr
USM 2 | MASTERING FACEBOOK FROM BEGINNER TO EXPERT (ONLINE FREE SESSION) - KELVIN NEO
2020 Apr
[UCS] TEA TALK SERIES | 22 APRIL 2020 | 5-6PM | BY JAMES POH
2020 Apr
7 CRITICAL FUNDAMENTALS TO STRUCTURE A DEAL
2020 Apr
QUALIFYING YOUR BUYERS FOR ECS
2020 Apr
USS 1 | 7 CRITICAL FUNDAMENTALS TO STRUCTURE A DEAL (ONLINE FREE SESSION) - EUGENE KOH
2020 Apr
USS 2 | QUALIFYING YOUR BUYERS FOR ECS (ONLINE FREE SESSION) - DARRYL HO
2020 Apr
Q4' 19 CAREER ADVANCEMENT DAY
2019 Nov
C2:L1 - (C2L2S0736) FINANCIAL CALCULATIONS & TAX PLANNING FOR DECOUPLING
2019 Sep
C2: L1 - (C2L1S0697) UNDERSTANDING REAL ESTATE SUCCESSION PLANNING, WILLS & TRUSTS
2019 Sep
Q3'19 CAREER ADVANCEMENT DAY
2019 Aug
Q2'19 CAREER ADVANCEMENT DAY
2019 May
NYON TRAINING & HIGH TEA SESSION
2019 Feb
2019 ASIA PACIFIC BUSINESS CONFERENCE DINNER
2019 Feb
ULTIMATE WEALTH SEMINAR
2018 Nov
Q4'18 CAREER ADVANCEMENT DAY
2018 Nov
Q4’18 CAREER ADVANCEMENT DAY
2018 Nov
ULTIMATE PROPERTY INVESTMENT MASTERY (10 OCT, 18 OCT, 23 OCT - 10AM-6PM & 29 OCT - 10AM-2PM)
2018 Oct
THE DIGITAL EDGE
2018 Sep
ERA Q3'18 CAREER ADVANCEMENT DAY
2018 Aug
Q3’18 CAREER ADVANCEMENT DAY
2018 Aug
ULTIMATE LEADERSHIP WARRIOR CAMP
2018 Jun
Q2’18 CAREER ADVANCEMENT DAY
2018 May
THE ART OF SELLING LUXURY PROPERTIES
2018 Mar
ERA APBC 2018
2018 Feb
ERA EXECUTIVE CONDOMINIUM SITES BUS TOUR (BUS 2)
2017 Nov
2017 ERA Q4 CONFERENCE - DIVISION DIRECTORS AND AWARD WINNERS
2017 Nov
Q4'17 CAREER ADVANCEMENT DAY
2017 Nov
ARDMORE THREE WINE APPRECIATION NIGHT - 22 SEP, 4-7PM
2017 Oct
GEM RESIDENCES SEMINAR-1ST OCTOBER,3-5PM. RSVP NOW
2017 Oct
MARTIN MODERN NON CORE CPD TRAINING-PENETRATE THE LUXURY MARKET & MAKE $500K IN THE NEXT 12 MONTHS!
2017 Sep
STAR OF KOVAN, PROJECT UPDATES + SHOWFLAT VIEWING
2017 Jun
EXCLUSIVE TALK BY KEO MR. EUGENE LIM FOR HUNDRED PALMS RESIDENCES BUYERS SEMINAR ON 18 JUNE 2PM
2017 Jun
NON CORE CPD COURSE-THE ULTIMATE EXPRESSWAY TO MASTER SHOWFLAT PRESENTATION & HOW TO EARN HIGH COMM
2017 Jun
2017 MONTHLY HOME OF THE ELITES AD
2017 May
C3:L1 - (C3L1S0239) ESSENTIALS OF PROFESSIONAL SERVICE MANUAL (PSM)
2017 Mar
2017 ERA ASIA PACIFIC BUSINESS CONFERENCE
2017 Feb
C2:L1 - (C2L1S0141) PRIVATE PROPERTY RESALE POLICIES AND PROCEDURES
2017 Feb
C2:L1 - (C2L1S0090) HDB RESALE POLICIES AND PROCEDURES AFFECTING BUYERS
2017 Feb
PROJECT TRAINING (FOREST WOODS)
2016 Sep
C2:L1 - (C2L1S0069) FUNDAMENTALS OF LANDED PROPERTY
2016 Mar
C3:L1 - (C3L1S0250) PRACTICAL GUIDE TO ETHICAL ADVERTISING
2016 Mar
C1:L1 - (C1L1S0020) UNDERSTANDING AND APPLYING THE CODE OF ETHICS AND PROFESSIONAL CLIENT CARE
2016 Mar
2016 ERA ASIA PACIFIC BUSINESS CONFERENCE
2016 Feb
Q3 2015 ERA HOME OF THE ELITES STRAITS TIMES ADVERTISING CAMPAIGN
2015 Oct
PROPERTYGURU TRAINING
2015 Aug
CELEBRATION NITE - KINGSFORD WATERBAY SHOWFLAT
2015 May
THE DIGITAL EDGE | RISE UP TO THE CHALLENGES IN THE SINGAPORE PROPERTY MARKET
2014 Jun
THE DIGITAL EDGE | 5 STEPS TO PROFITABLE DIGITAL MARKETING
2014 Jun
OVERSEAS PROJECT SALES AUSTRALIA
2014 Feb
2014 ERA ASIA PACIFIC INVESTMENT SEMINAR - ASSOCIATES
2014 Feb
POWER MONDAY | REGULAR ADVERTISING VS POWERFUL MARKETING STRATEGIES
2013 Sep
MARKET INTELLIGENCE & ANALYSIS - PAYA LEBAR
2013 Sep
ESSENTIALS OF CLUSTER HOUSING
2013 Sep
PROFESSIONAL SERVICE MANUAL
2013 Sep
POWER MONDAY | BREAKTHROUGH IN REAL ESTATE INVESTMENT TO INCREASE NETWORTH & CASH FLOW
2013 Sep
ESSENTIALS OF PROJECT MARKETING
2013 Sep
COMMON MISTAKES IN SALES & RENTAL (EXTERNAL LAWYER)
2013 Sep
POWER MONDAY | HELP YOUR CLIENT SAVE MONEY WHEN BUYING COMMERCIAL PROPERTIES
2013 Sep
ESSENTIALS OF PRIVATE PROPERTY RESALE
2013 Sep
CASE STUDIES ON CEA DISCIPLINARY & COMPLAINT CASES
2013 Sep
UNDERSTANDING ABSD & SSD
2013 May
CASE STUDIES ON CEA DISCIPLINARY & COMPLAINT CASES
2013 May
MARKET INTELLIGENCE & ANALYSIS - ALEXANDRA
2013 May
COMPLIANCE ISSUES IN MARKETING NEW PROJECTS
2013 May
SRX TECHNOLOGY
2013 Apr