OH! I Forgot!

I realized I forgot to talk about my GSM on the earlier post! >.< Anyway, my GSM, finance, isn't really that bad as it seems. It's actually pretty interesting, just that the timing doesn't call for my attention to be focused. Quoted from my lecturer, it's like "post lunch syndrome", everyone basically just gets lethargic after lunch and our attention span just gets shorten. I didn't sleep though, I paid close attention throughout the entire lecture, though I yawned a few times O_O I think I'm interested in finance, although some of the terms used are really profound and I can't really comprehend them well~ ANYWAY! Today's the last lecture for me :) which is a good thing because I can study after lessons on every Thursday!

One thing that I remembered most clearly was the sharing of bonds, unit trusts and insurances from the lecturer :) He's actually a very humorous guy, and I realized he has the "broken arm syndrome", and my friends agreed to it too! T_T He said investing in bonds is a good move since the coupon rate is quite attractive! It's basically about us, the citizens lending a certain amount of money to the government for a period of time, maximum of 20 years. I think I will invest in it after I enter the work field for 3 months :) We social worker associates don't earn much, so time is needed for us to save up a good sum of money. I'd most likely invest about $1k for a start, and once I save more, I will consider investing more! And, my lecturer told me it's pretty tough to find a trustworthy unit trust nowadays because the original concept was corrupted as time goes by. SIGH. I don't think I will ever spend my money investing on units trust now that I know how it's being function.

I've also decided to get life insurance for my parents and sisters, just to play safe, as well as other insurances that are necessary for my family. It's better to play safe since life's unpredictable, anything can happen at anytime. I learned many new things regarding to finance today and one day, IF, I ever have extra money, I will try to invest into shares. One principle of investing in shares is to read the facts and not hearsay. Some people get into financial crisis because they listen to what others say, and do what others do. Sometimes, it's all about facts, like how well the company is doing etc. Oh well, I know I don't have the rights to say too much on shares since I've attended only ONE lecture on it, but I try ;)


I'm waiting for my mum's call so that I can bring my sister out for dinner! Just wanna share this video, it's a song that I'm really addicted to right now!

Louis Tomlinson is super adorable :D The other guys are not bad too! This boy band will definitely shine in the music industry! Keep going, One Direction!