Age: 21 School: Hong Kong Baptist University, Year Three BBA (finance) student Young Post: Do your studies help you to make money in daily life? Chan: Yes, definitely. I have invested nearly HK$100,000 in the stock market since Year One. At the beginning, I lost money sometimes, but I have a better knowledge of the market and make more profit now. I analyse market trends with teachers during lectures. I am very happy that what I have learned at university has become useful in my life. I have earned at least HK$20,000 so far. My parents and my elder brother also invest in stocks. They encourage me, too. YP: Do you have any other income? C: Yes. I tutor six secondary school students and earn HK$100 to HK$120 per hour. I teach each student for at least two hours a week. So I earn more than HK$1,000 a week. In addition, I teach piano to three students. I charge them HK$140 to HK$250 per hour, which means I am earning about HK$600 a week. YP: What do you do with your income? C: I buy clothes, eat out and spend on entertainment. I don't really pursue brand names. Even if I buy an expensive handbag, I will use it for a long time. Also, I regularly put HK$2,000 in my investment account to buy shares. I mainly buy blue chips because the risk is lower. My parents pay my tuition fees so I do not need to worry about that. YP: Do many finance students invest in the stock market like you? C: Not really. I guess about three or four students out of 10. Some do not save enough money to invest. I earned my capital quickly by tutoring many students. YP: How many credit cards do you have? C: Only one. I think credit cards are too much of a temptation because we don't need to pay cash for transactions. Then your spending may easily get out of control. I never exceed my credit limit.