General | Biz Info - Part 2

Category Archives: General

Gone Back to Writing

I have gone back to writing articles for students doing their assignments and also for a travel website. This is done on a part-time basis. By the way, my cute Pomeranian puppy can chase after baby cockroaches and use her nose to squash the roaches to death. She had seen me killing roaches running around using my bare hands. I have tried using tissue papers before but it just does not work. They will manage to escape and scurry away. I just slap them on the wall or floor with my palm for a higher chance of hitting the target, and then wash my hands with anti-bacterial liquid soap.

My favourite laptop is now under repair as the hard disk almost crash with daily error messages and bad sectors when booting up. So I conveniently sent it to the technician downstairs to change to a new 1 Terabyte hard disk for $220 with backup another $80. He happens to own a computer peripherals factory in Butterworth. There are many businesses downstairs with several restaurants of various styles of food from hawker food to fusion, western, nonya and Chinese. A new Mamak cafe will open soon as well.

The Basics of Sex Therapy

THE BASICS OF SEX THERAPY

Sex therapy may help many sexual performance issues that stem from emotional discontent. Oftentimes, when these issues are discussed or resolved in some way, a healthy and fulfilling sexual functioning will return. One method is to use male enhancement pills to restore size and function to your penis, and the best product right now is Malegenix. Hiding sexual health issues is the first, and only, response for most, but talking through problems is the first step to finding the solution. If shame is preventing you from finding help, here are a few facts. 31 percent of men and 43 percent of women experience sexual dysfunction on some level. So, not only may you be struggling with sexual difficulties in silence, but so might your partner. Sex therapy’s goal is to get to the core issue, such as shame or fear of disease, and reverse them.

WHO CAN PERFORM SEX THERAPY?

There are many professionals, such as a psychiatrist, psychologist, or sex or marriage counselor available to conduct sex therapy. Not only can sex therapy help with erectile dysfunction, it can also help with low libido, depression, ejaculatory issues that may stem from anxiety, a history of abuse, and others. Involving your significant other can help both of you understand the issues that may be lowering the quality of your sexual relationship.

HOW DIFFERENT IS SEX THERAPY FROM OTHERS?

Sex therapy is very similar to other forms of therapeutic counseling. Despite the somewhat exaggerated depictions on television, there is nothing egregious happening when the sex therapist closes his/her door. According to Barbara Bartlik, MD, a psychiatrist and sex therapist, sex therapy takes into account psychological and potential physical problems. Both partners are consulted to discover their role in the sexual performance issues. Behavior is examined, interpreted, and solutions are discovered.

To reduce performance anxiety, you may go through mindfulness training, which can help you remain present during activities.

West London Choir

School choir always contains a mixture of students in the senior high school level. Some students prefer to get there simply because they have experienced positive encounters in elementary and junior high school choirs. But across the nation, financial cutbacks have removed music programs from schools. So it’s becoming a lot more common for college students to participate choir in senior high school getting didn’t have previous choral encounters. If you’re a new comer to choir, listed here are a couple of strategies for getting the most from this program. For more information on West London Choir, visit our website today!

Learn Teacher Expectations

Senior high school choir teachers are often amazing well-educated, and beautiful motivators. They’ve mandated teaching standards that they have to follow, as well as their personal educational histories frequently have an interesting combination of academics. You can assist your son or daughter probably the most by looking into making sure to go to to school night. You are very likely a summary of teacher expectations for that year. These can include scheduled performances, competitions, festivals and field journeys, as well as financial details about each event. The times of colleges supplying financial support of these things might be in your school. You are able to better arrange for the entire year by knowing in advance how you can plan for it. Additionally, you will wish to ask the way the teacher grades. There might be academic work additionally to performance grades. Each teacher’s policy differs.

Support Fundraiser Efforts

For many parents, this may mean donating time for you to assist the teacher organize a fundraising event. For other parents, this may mean sponsoring your son or daughter along with a friend who’s less fortunate. For a lot of, this can mean buying fundraising event products, or finding the aid of buddies, family, and co-workers to market products. Teachers can organize the fundraisers so the entire profit earned would go to each particular child’s account. You’ll also have fundraisers in which the entire profit earned by everybody would go to help the costs for everybody. Attend in class fundraiser concerts, then sell tickets to buddies. This kind of fundraising event offers the most profits for that choir. And, whenever your budget permits, offer to give funds directly towards your son or daughter’s occasions. Fundraiser attempts are hard to manage for teachers, and fatty checks will always be appreciated.

Welcome Buying Choir Uniforms

It can be hard to locate school choir robes in schools nowadays. Many schools go for stylish coordinated dresses for women and slacks and shirts for boys. If your little one transpires with take part in show choir, every item worn should be uniform right lower towards the footwear and stockings. Idol judges will visually inspect choirs for appearance and award points for matching attire, well-groomed hair and appealing smiles. But, the key to putting on a choir uniform may be the sense of owned by a fantastic team, and knowing that you’re putting your very best feet forward during performance. These feelings of pride may be worth every cent committed to your son or daughter. So, go ahead and, do what must be done to complete the very best that you could in connection with this. Want to know more about central london choir? Visit our website for more information.

Your son or daughter will make use of your support, and everybody signed up for the choir program will improve due to the value it offers. Choir is where for gaining confidence and existence skills. This is the way to assist your son or daughter flourish in senior high school choir.

FRP Lock – Factory Reset Protection

From the definition, Factory Reset Protection (FRP Lock) is a security method that was designed to make sure someone can’t just wipe and factory reset your phone if you’ve lost it or it was stolen. However, there is a way to bypass it by checking out bypass FRP Samsung Galaxy Protection for the ubiquitous Samsung smartphones.

As for Bypass FRP HTC Protection for HTC smartphones, you can click on the links above to find out more information. As far as smartphones are concerned, I rather let a techie person handle it for me, albeit with more payment. But should you love to explore smart phone tech stuffs, then you might like this post and the links above.

Afterall, everything can be figured out from the internet but it requires time and effort to crack the code. There will be a sense of accomplishment as you self discover tech stuffs online and able to sieve out the wheat from the chaff.

SGX Hacks for Malaysian Investors

Hi, I’m Ian.

I’m a Malaysian who invest in stocks listed on the SGX where I’m receiving a steady flow of dividend income on a quarterly basis. Perhaps, you may ask:

‘Ian, are you a Singapore P.R.?’ Nope.

‘Ian, are you based in Singapore?’ Nope.

‘Ian, have you worked in Singapore before?’ Nope.

‘Ian, do you have a bank account in Singapore?’ Nope.

‘Ian, how do you invest in Singapore?’ I’ll answer it now.

In this article, I’ll share what I know and do so that you can start investing in SGX-listed stocks as a Malaysian investor based in Malaysia itself. Therefore, here are the 7 hacks that you need to know before investing in the SGX.

#1: An Overview of the SGX

As I write, the SGX offers a boutique of 700+ stocks to investors. The biggest 30 stocks are included as constituents of the Straits Times Index (STI). For a start, they include huge corporations which might have just ring a bell to you such as UOB, OCBC, SIA, Genting Singapore, and CapitaLand. Besides, SGX has a well-developed REIT market where investors can invest in a globalized portfolio of Billion-Dollar commercial real estate. Currently, the STI and the S-REIT markets are the main focuses for most investors who are investing in the SGX.

#2: CDS account vs. Trust account

Here, I’ll write from my perspective as a customer of Maybank Investment Bank (IB). I’m using Maybank IB for my investments in stocks listed on both Bursa Malaysia and the SGX.

Bursa

For Bursa-listed stocks, the buying process is straightforward. First, I deposit an amount into my stock account. Second, I place my order for the intended stock. Third, the money in my stock account would be debited and my stock with the amount of shares would be credited into my CDS account which is under my own name.

SGX

For SGX-listed stocks, the buying process is different. For my first purchase, I deposit an amount into a Global Trust Account. The amount deposited was a little more than the intended amount I wish to invest. Then, I place my order for the intended stock online. After the order, I would have to call my broker (Maybank IB’s staff) to inform him about my investment. From which, I wait for 1-2 working days for the contract note that states the exact amount of my investment in Ringgit. My money in the Global Trust Account would then be debited and my stock would be credited into my Trust (Custodian) Account where Maybank IB keeps my stock and collects dividends on behalf of me.

#3: Transaction Fees

For MayBank IB, the minimum brokerage fee is set to be S$ 30 a transaction. Inclusive of a few miscellaneous charges such as GST and stamp duty, every transaction, buy or sell, should cost a minimum of S$ 32. Here, I’ll calculate the ideal minimum amount of capital needed to make your venture into the SGX worthwhile. For instance, if you intend to limit the transaction costs at 1% of your capital, then, the minimum amount you need to invest is S$ 3,200 or RM 9,600 per investment.

The amount needed will obviously be lower if you choose to limit the cost at 2% of your capital. Ideally, it is best to keep it low and thus, I reckon that you should not invest if the transaction cost is above 2% of your capital.

#4: Invest or Trade

I think it’s expensive to trade SGX-listed stocks as every transaction, buy and sell, costs a minimum of S$ 32 as compared to RM 12 for Bursa-listed stocks if you use Maybank IB. Hence, it is more ideal for investors as stocks listed in the SGX, to me, are to be kept over the long-term. If you are a new investor, I reckon you to aim for dividend income so that you can quickly earn back the transaction costs after 3 – 6 months of holding onto your SGX-listed stock.

#5: How to Open my Stock Account?

If you choose Maybank IB (This is not a Sponsored Post), you can apply for both CDS account and Global Trade Account simultaneously. You just need to bring your NRIC, salary slip, and bank statements and walk-in directly to the nearest Maybank IB branch. I’ll provide the links below:

What to Bring:

Maybank IB Trading Account Application Details

Where to Go:

Where’s the Near Maybank IB branch from You?

#6: But, I want to Invest in the US Stock Market

The facilities provided by Maybank IB is not limited to the SGX. In fact, you can choose to invest in other markets such as NYSE, NASDAQ, and HKEx if you prefer to do so.

#7: Learn to Invest in the SGX

There are many tools and resources available to speed up your learning curve and to familiarize yourself with the Singapore market. Here, I’ll conclude my sharing by listing down some websites and blogs that I personally follow and read on a regular basis:

No.1 – The Fifth Person

The Fifth Person is Singapore’s leading site that focuses on value investing. It is founded by Rusmin Ang, Victor Ch’ng, Adam Wong and Kenji. It contains a lot of quality and very detailed reads on stocks listed in both Singapore and Malaysia (although I’m among the main contributors of Malaysian stocks).

No.2 – Value Invest Asia

Value Invest Asia is spearheaded by Stanley Lim, a CFA, a Johorian who has extensive working experiences in Singapore. It is also a site focusing on value investing and is building up fast-read materials, webinars and even a physical book ‘Value Investing in Asia’ for stock investors who intend to invest across Asia. (I’m also a regular contributor of the Malaysian articles of this site).

No.3 – Dr. Wealth

Formerly known as the BigFatPurse, Dr. Wealth started off as an investment blog and has evolved into a comprehensive financial education firm that has contents and courses on stock investing, REIT investing, angel investing, and even cryptocurrencies.

Ian Tai

Ian Tai is the founder of Bursaking.com.my, a platform that empowers retail investors to build wealth through ownership of fundamentally solid stocks. It is an essential tool that sifts out stocks that grow profits consistently from a database of over 900+ stocks listed mainly in Malaysia.

Pomeranian (‘Golden Lion’)

Isn’t the Pomeranian dog above sooooooooo cute? They have long furry pelt and are loyal to the master. Pomeranians are smart too. Above is one of my Instagram followers of many Pomeranian pictures and they sell t-shirts and leggings too. Nope, this is not a sponsored post, but a blog post to show the cuteness of Pomeranians which I happen to own one too. Leia is now 1 year and 1 month old. As a puppy, she won a photo contest consisting of dog tooth paste and anti-fleas solution. Well, yours truly took the photo and sent it to The Star publication during the contest period. The other 2 winners were Kaka and Wowo. How ‘Hokkien’ sounding for the names! The following week, The Star published article on Star Wars where Leia got her name from; – Princess Leia.

The initial name given by me was Princess, but it is too long to call as it has 2 syllables while Leia was given by second sis in Southampton and it is so much easier to call her. Anyway, congrats to second sis and hubby who both passed their PhD degrees already in the UK.

Going Down South Tomorrow Morning

I shall be traveling down south tomorrow morning to KL. After putting my pet Pomeranian in a pet boarding place, and a short trip to Sungai Petani, Kedah this afternoon, we shall set forth to KL in the morning. I have already put my supplements and vitamins into the pill box for 2 weeks, but I should be back soon as dad has to go for an ultrasound and my presence is needed, as requested by youngest sister.

I have also resumed writing for a travel website and I need cash to help offset dad’s exorbitant expenses due to a heart attack. His stay at a local nursing home is also not cheap and GST was charged too. Dad suffered 4 heart attacks in 6 months and the sooner he goes for an open heart surgery, the better. The question is where! Well, it is free in GH but payable in a private hospital. I could only pray that God will use the cardio surgeon as an instrument to help heal dad while the Almighty does the actual healing.

Dad is not like Dr Mahathir; still very strong and even won the recent election. Dad is fragile and is suffering from a few illnesses that I shall not mention. I just pray for his longevity and at the same time, not to neglect my work while accompanying youngest sis to the hospitals, GH or private. Meanwhile, pray for my safe journey to KL for business by car.

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