好可爱的家人!

今天早上在图书馆,老公递给我一本书,一个日本作家写的大概是陪在你身边。我就给毛毛读,原来是两个人相爱在一起久了又相互讨厌,后来又和好的故事。想想老公当时的神情很是可爱!是要给我读的?结果一会又给毛毛拿回两本书,一本是做蛋糕,一本是花园里种植植物。他的手好快!怎么找到的呢?嘻嘻

晚上带着豆豆毛毛去一个朋友在东海岸的公寓。毛毛到了那里说,这里太好了,后来又说想在这里住一宿。晚上我就趁机和毛毛说爸爸妈妈要努力,毛毛也要努力才能买这样的房子,她说她要努力画画努力学习。等我教育她说存钱买房子,不该买的东西都不买时,她又不愿意了:)小孩太逗了!

大宝贝儿子豆豆断奶了!

礼拜六晚上老公下定决心让豆豆断奶!不过这一个礼拜我也隐约感觉到豆豆早上四点要吸很久,喝不饱,一晚上起来好多次!整天我头都是晕的!他也是睡不好!也想着是时候了!没想岛最后决定是老公做的!我真的优柔寡断,内心情绪万千,舍不得啊!第一天他哇哇哭,我一边安慰他一边自己哭,谁愿意看着自己孩子哭得撕心裂肺的受罪!我和他唯一的bonding就没有了,我真心的怀念这一年多来我背奶挤奶晚上喂奶的日子!一想到这,心里酸酸的!感谢老公、虽然工作压力山大,还是陪我给豆豆断奶,帮我给豆豆冲奶粉!不过还好豆豆这么乖,第二天轻轻哭一段就断了!离他睡整夜觉的日子不远了!第三天第四天他都是自己喝完奶咬着奶嘴满床咕噜,一会就睡着了!感恩我有这样一个天使宝宝!第二天为了表扬他还给他买了软软的球!他四点起来一定要抓东西,昨天抓那个超级大的球不放!我于是又买了四个软球给他玩!这孩子和他爸一样,看到球就玩起来没完没了了!以后肯定也踢球像爸爸!不过我希望我儿子豆豆是大高个!踢球的没有几个高个!

豆豆断奶这几天又把毛毛和老公放一个房间,还让毛毛自己睡了一两天!又很担心毛毛一个人出去睡了内心也会缺乏安全感或者不适应之类的!这就是当妈的❤️!

老公为了一个项目晚上多累都要爬起来工作,内心有点心疼他的同时也在想,他咋这么爱工作呢!希望他可以在事业上可以越来越棒!

哈哈,本来最开始想写的是豆豆终于一个人一个小床了,我现在一个人一个大床滚来滚去太舒服了!开心的事写着写竟然跑题变伤感了:)


令我大吃一惊的毛毛!

从出生到现在,毛毛晚于八点起床的时候屈指可数。每次早晨我说我累了,毛毛都一个人玩到八点半九点,我真的不是一个合格的妈妈:( 毛毛真是一个乖女儿!这个礼拜天早上,毛毛突然叫我,让我快来!我走到厨房,发现橱柜上摆好了面粉,牛奶,鸡蛋和橄榄油。毛毛把全部的东西准备好了,就等我和她一起做蛋糕。看到这些,我的心都化了!小孩子的记忆力和模仿力真是惊人啊!我要时时刻刻提醒自己,给毛毛树立好榜样!
毛毛最近站到电梯里会每次让别人先下,自己给别人按按钮;会懂得关心爸爸妈妈;会有礼貌的说谢谢;小朋友来自己的家里,会和小朋友一起分享,玩玩具,会带着小朋友做沙画,送小朋友礼物去,越来越懂事了!
从2月18日开始,还有了自己的交际圈,家长一起配合毛毛参加她同学的生日趴! 以后有机会也一定要给毛毛办一个像样的生日聚会!

IMG_1492

Singapore stock exchange

Working Experience:

Worked on payment system of Singapore Exchange Clearing System, implemented payment generation including variation calculation and margin calculation, SWIFT interbank transaction instruction generation and message sending and consuming with IBM WebSphere MQ. Deployment and operation on IBM WebSphere application server.

More materials:

Execution, Clearing, and Settlement

A transfer of financial instruments, such as stocks, involves 3 processes:

  1. execution
  2. clearing
  3. settlement

Execution is the transaction whereby the seller agrees to sell and the buyer agrees to buy a security in a legally enforceable transaction. Thereafter, all the processes that lead up to settlement is referred to as clearing, such as recording the transaction. Settlement is the actual exchange of money, or some other value, for the securities.

Clearing is the process of updating the accounts of the trading parties and arranging for the transfer of money and securities. There are 2 types of clearing: bilateral clearing and central clearing. In bilateral clearing, the parties to the transaction undergo the steps legally necessary to settle the transaction. Central clearing uses a third-party — usually a clearinghouse — to clear trades. Clearinghouses are generally used by the members who own a stake in the clearinghouse. Members are generally broker-dealers. Only members may directly use the services of the clearinghouse; retail customers and other brokerages gain access by having accounts with member firms. The member firms have financial responsibility to the clearinghouse for the transactions that are cleared. It is the responsibility of the member firms to ensure that the securities are available for transfer and that sufficient margin is posted or payments are made by the customers of the firms; otherwise, the member firms will have to make up for any shortfalls. If a member firm becomes financially insolvent, only then will the clearinghouse make up for any shortcomings in the transaction.Graph showing the execution, clearing, and settlement of a securities transaction between the buyer and the seller.

For transferable securities, the clearinghouse aggregates the trades from each of its members and nets out the transactions for the trading day. At the end of the trading day, only net payments and securities are exchanged between the members of the clearinghouse. For options and futures and other types of cleared derivatives, the clearinghouse acts as a counterparty to both the buyer and the seller, so that transactions can be guaranteed, thereby virtually eliminating counterparty risk. Additionally, the clearinghouse records all transactions by its members, providing useful statistics, as well as allowing regulatory oversight of the transactions.

Settlement is the actual exchange of money and securities between the parties of a trade on the settlement date after agreeing earlier on the trade. Most settlement of securities trading nowadays is done electronically. Stock trades are settled in 3 business days (T+3), while government bonds and options are settled the next business day (T+1). Forex transactionswhere the currencies are from North American countries have T+1 settlement date, while trades involving currencies outside of North America have a T+2 settlement date. In futures, settlement refers to the mark-to-market of accounts using the final closing price for the day. A futures settlement may result in a margin call if there are insufficient funds to cover the new closing price.

Modern day settlement and clearing evolved as a solution to the paper crisis of securities trading as more and more stock and bond certificates were being traded in the 1960’s and 1970’s, and payments were still made with paper checks. Brokers and dealers either had to use messengers or the mail to send certificates and checks to settle the trades, which posed a huge risk and incurred high transaction costs. At this time, the exchanges closed on Wednesday and took 5 business days to settle trades so that the paperwork could get done.

The 1st solution to this problem was to hold the certificates at a central depository — sometimes referred to as certificate immobilization—and record change of ownership with a book-entry accounting system that was eventually done electronically. The New York Stock Exchange was the 1st to use this method through its Central Certificate Service, which eventually become the Depository Trust Company, then became a subsidiary of the Depository Trust and Clearing Corporation (DTCC). In Europe, Euroclear and Clearstream are the major central depositories. The process of eliminating paper certificates entirely is sometimes referred to as dematerialization.

A further improvement was multilateral netting, which further reduced the number of transactions. Brokers have accounts at central depositories, such as the DTCC, which acts as a counterparty to every trade. So instead of sending payments and securities for each transaction, trades and payments were simply aggregated over the course of the day for each member broker, then were settled at the end of the day by transferring the net difference in securities and funds from 1 account at the depository to another.

For example, if a broker bought 100 shares of Microsoft for a customer and sold 50 shares of Microsoft for another customer, then the broker’s net position is the accumulation of 50 shares of Microsoft, which would be recorded at the end of the market day. If the broker paid $25 per share to buy the 100 shares of Microsoft stock and sold the 50 shares for the same price on the same day, then the net difference plus transaction costs is debited from the broker’s account at the end of the market day, and credited to the account of the central depository. Likewise, only 50 shares of Microsoft would be transferred to the broker’s account, since this is the net difference of buying 100 shares and selling 50 shares.

Nowadays, governments around the world are promoting, or even requiring, central clearing, so that they can assess the systemic risk being imposed upon economies by their financial institutions, especially in the trading of derivatives, as was witnessed in the recent credit crisis of 2007-2009, when governments had to bail out many financial institutions because of a possible domino effect if a major institution would fail. Central clearing is the best means of maintaining records so that financial risks to the economy can be better assessed.

refer:

http://thismatter.com/money/stocks/settlement-and-clearing.htm

 

 

我一辈子的贴心小棉袄

1月20日。季承问毛毛妈妈过生日送我什么礼物?毛毛说了一堆她自己喜欢的东西,然后我强调说,是我过生日,她想了想,说送我五个涂脸的,又说送我十个,真是我的贴心小棉袄啊!她怎么知道的呢?下午我刚刚查完要买什么化妆品。

毛毛真是我一辈子的贴心小棉袄!我要好好爱毛毛!努力和她一起成长!

(这张在巴厘岛的照片很像小时候的她)

1月27日

生日礼物,让毛毛帮我选了潘多拉的一个charm,后来我喜欢另一个,就换了,她很不开心:)

Phuket Trip

Phuket (20160906-20160910)

好久没有旅行了, 这一次安排一家人, 爸妈,两娃一起旅行。希望全家人一起出行,可以放松心情,和拉近感情。

day 1: 出发

毛毛刻苦读书

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出发留念

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毛毛开始她的新朋友之旅。 之后还有许多。

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租车, 车还算拉风吧?

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现实是这样的, 性价比最佳之toyota vios。

2016-09-06 11.10.54

 

租车经验之: 不要在网上预订, 达到之后直接在机场租车反而便宜, 而且还车也方便。 崭新的vios 之需要950 tb 一天。

第一晚直接杀到 Your Kitchen, 海鲜市场买了鲜活海鲜。一筐海鲜, 龙虾,虾耙子,螃蟹,竹棒,鱿鱼和贝壳,只花了3000 tb, 一个字便宜。

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day 2 半岛游

启动自驾游, 一路沿海,向南行驶。

途径巴东海滩, 卡龙海滩, 卡龙山顶观景台, 神仙半岛。

卡龙海滩

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卡龙山顶观景台, 100 tb 附送老鹰

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神仙半岛

 

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经过半日自驾, 老妈累晕了。 晚上和累睡的毛毛在hotel 休息。 其他人杀到 tripadvisor 推荐的lillo, 距离hotel 只有700 米, 还是要开过去。

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day 3 下雨天, 在hotel 带娃

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晚上去看simon show (人妖show)

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day 4: 雨过天晴, 出海咯

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day 5 回家咯

在机场遇到同住hotel的越南小朋友。

2016-09-10 08.56.18