Talking

After the discussion with my parents and future parents-in-law,my fiancée and I chose February 18th,the fifth day after Chinese New Year,holding our wedding event in Shanghai,China.We need to book the air tickets as soon as possible because that is a hot period for travelling.The fares have been increased compared to the normal days.

By AirAsia(KL to Hangzhou):

All fares listed are recorded on November 3rd,2009 and subject to change from time to time,exclusive with luggage charges and meals on board.

*The date that my fiancée and I flying to Hangzhou

#The date that most friends of my fiancée flying to Hangzhou

@The date that some friends and relatives of my fiancée flying to Hangzhou

*#@The date that we all come back to KL

By Malaysia Airline(KL to Shanghai):

If you could afford a higher price in order to get some convenience and perhaps better services,Malaysia Airline will be the nice choice.The return ticket is pricing RM1700-RM1800 inclusive with all charges recorded on November 3rd,2009.

Guys,please inform me your schedule of your flights before November 15th,2009 so that I could have enough time to let travel agent give some offer to me.Thanks.

Though there are still 107 days to go,I think I’d better to make all things on the track first because I don’t want to regret anybody in the wedding event.

Wish all the best!

Recently the economic is recovering from the recession.Thus,the share markets everywhere begin to show the growth.Many people may want to do some share investments as an alternative instead of buying mutual funds.So I just share with you how to start share trading in Malaysia.

Malaysia has only one share market-Kuala Lumpur Stock Exchange(Bursa Malaysia).Almost all buying or selling actions are taking place there except those direct deal/off market deal which normally involves in bulk transactions.Now we could go to open the trading account.

1.You could choose any securities(broker) company you like,perhaps you could consider whether it is close to your house and how the charges are.You could refer to this list for all registered securities.

The requirements for open a trading account in securities are very limited,normally the only requirement is you are above 18 years old.

2.Open a trading account and CDS account in the security

Trading account could be divided into two types-nominee account and direct account.

Nominee account:Once you buy some shares,your name will not show on the registration book of existing shareholders directly,instead it will show as XXX SECURITY-beneficial to YOUR NAME.

Advantage:Not necessary to visit the security frequently as they could help you deal with most matters(ie, banking in dividends,sign up forms for bonus shares/warrants etc).

Disadvantage:You can not apply for IPO using Nominee account.You may not receive the annual report,some gift vouchers easily.

Direct account:Once you buy some shares,your name will directly show on the registration book of existing shareholders.

Advantage:You apply for IPO using this account.You could receive the annual report and voucher from the company you invest directly.

Disadvantage:You may have to bank in the dividend by your own.If having some bonus issue,you may need to visit the security to sign up some forms by yourself.

However,I still prefer to have direct account.

The charge for open a trading account is varied from different securities,but most of them are free of charge.And commonly you only need to pay for RM10 for new CDS(Central Depositary System) account which is the account to electronically store your shares by some Malaysian law.

After you have a trading account and a CDS account,you are able to buy shares in the market.

3.Know the fees for each transaction

For buying or selling,it will occur some fees comprising of brokerage fee,clearing fee and stamp duty.

The brokerage depends on what methods you used to buy/sell shares-phone call or online.Commonly if you call for making the transaction,you will be charged higher,ie. 0.7%;if you make the transaction through online platform,you will only charged at 0.42%.

The clearing fee is 0.03%.The stamp duty is RM1 for every RM1000.However,I suggest you ask the details from the security.

These are all the basic stuff you need to do and need to know before you make the very first transaction.If you think you have absorbed all,you could start to enjoy the fun from share investment now.I think you could learn the rest knowledge from trading.

Girls always like to take pictures as they want to keep the most beautiful moment in their lives.My girlfriend’ friend Florence just received a set of studio photos which she made in a local studio several weeks ago.Once I saw the photos,I feel that I have to admit the magic of make-up and Photoshop.

All right,please stop dribbling.You could keep this information in your mind if you’re interested-she’s still available.

It’s the group photo of friends:

Left to Right:Vivian,Elaine,Alice(top middle),Felicia,Winnie(my dear girlfriend).

Middle bottom:Melanie,Florence.

Except my darling and Elaine,you guys still have some chances to flirt with one of them.Get my words,right?

We,the friends of Elaine,managed to plan a nice day for her to celebrate her birthday and we ran it today.

Firstly,we jogged together and actually had a mini picnic there.

Fruits,sandwiches,KFC and others were full of the table.We all ate a lot until we couldn’t move our steps.Well,a jogging exercise had totally turned into a food party.This was the very first program of the day.

We’d bought dozens of movie tickets for the afternoon session.Which movie?I just disclose here that it’s a funny and meaningful movie and for sure I will write my review asap.

After that,we again had our dinner together in the hawker’s street of SS2,PJ.Various foods and snacks induces our bellies.

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Well,my exam session will start in next week.So I will spend more time on revision now and be slow down on writing posts.Good luck to myself.