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Are you a very good student? What characteristics are required to be a good student? I am sure that we have all come across people who have rather annoyed us during our academic life, people who were disruptive, loud, rude and basically annoying. These people are what I classify as bad students and should have been kicked out the lessons until they learned how to behave. What about a good student; is it all about their ability to learn or do they need to possess other qualities?

Before I continue I have to admit that I am no longer a student. I am now a fully fledged worker; working in the fields of last minute holidays and DVD authoring; I also work on a project which offers cheap mobile calls.

These are the types of people that I believe make a good student:

1. Co-operative. A top student will co-operate with the lecturer and will be more than happy to help their fellow students to improve. They will be described as being a pleasure to have in the class.

2. Hard working. A good student will be hard working, they will try to get the most of each lesson that they attend.

3. Positive. A top student will have a positive attitude and will convey this to the other students.

4. Attentive. A good student will listen to what the lecturer and his fellow class mates are saying, rather than talking at the same time, which is the majority of students seem to do these days.

5. Fun. A top student will brighten up the class as they will be fully aware when it is the right time to have a little bit of fun. All work and no play makes Jack a dull boy.

The above are just a few examples of what I believe are the characteristics of a good student. OK, so are you really a good student?

Despite it still being a few months away serious investors are already starting to pick their stocks for 2010. Research, research and more research is the name of the game. So where will be the places to invest for profit in 2010?

Now it is important that I a make one thing clear to the readers of this article before I continue; please do not take what you read as any form of financial advice as I am not a financial adviser. I am just an average man who enjoys trying to make cash by investing on the stock markets. I see it as a bit of fun and very much a gamble. By trade I offer advice on training for foster carers, provide cheap holidays and I am also involved in composite door company that offers affordable composite doors.

I really like the companies that are looking to invest their way through this current crisis. This takes a bit of nerve and a lot of ready cash but is a move that is likely to prove very beneficial in the long run. This may just turn out to be the perfect time to buy a business. Many business owners are unable to raise finance and are desperate to sell up therefore any person with the available cash can easily bag themselves a bargain.

The companies who do invest are the ones that are likely to make the most profits when the gloom and doom of this credit crisis lifts. It is all about ensuring that you are best placed out of all of your competitors when business starts to boom again.

As for regions, I am particularly attracted to the stock markets in Russia, in India and in China. A slightly riskier proposition is the Japanese stock market but is one that could easily shine next year.

For all you investors out there – good luck in 2010! Steve Hill from the UK, invester of the year 2094! OK maybe not invester of the year; how about investor of the century lol.