Recently, I was recounting to my sisters lucky incidents that happened to our family. For me, I brought up the example of how I got the scholarship to ANU: The only way I could study overseas was to get a scholarship that must at least cover tuition fee. Hence, I was scouting for university that had Actuarial Science course and offered scholarship. In Australia, at that time, I only knew Macquarie University and University of Melbourne offered the course but neither offered scholarships, at least not to oversease students. A schoolmate, who was also interested in Actuarial Science, asked me whether I want to go together with her to the Australia Education fair. I declined because of the reason I gave above. Later, after she had already gone to the fair, she told me that ANU offered the course and also scholarship that we could apply. I was luckly on 4 fronts in this instance: ANU had the course I wanted, they offered scholarship, a schoolmate went to the fair specifically looking for t...