The Author, Wan Latifah WM, was doing her PhD in International Finance at the University of Nottingham, U.K. from 1992 to 1994 when she produced this thesis on macro-modeling of de...ver maisThe Author, Wan Latifah WM, was doing her PhD in International Finance at the University of Nottingham, U.K. from 1992 to 1994 when she produced this thesis on macro-modeling of debt and twin deficits for the ASEAN countries. She was a self-sponsored student during her stay in Nottingham who managed her tuition fees by working as an academic tutor in the university and a tutor for one of the hall of residences. During those years she has proven that creativity is best when one has no money to spare other than paying tuition fees. With the PhD obtained, the author felt truly empowered and liberated. In life, own earnings to fund own studies is the biggest challenge. The studies in PhD was a great lesson for life learned!ver menos