I just to say hello to everyone. My name is Chee Yeen from Melbourne. I am an analyst programmer for a private investment company so I sort of know a bit about finance, and I am very interested in investing and finance in general. I have read a few threads here in the last few days and am very impress with the friendliness of all the people in the forum in posting questions and answers. Actually I am doing a bit of financial planning for the family involving trust and negative gearing etc. and found this site via Google. The discussion in the Account, Tax and Legal are really helpful to my situation.