Thx u for ur reply...The reason is very simple and obvious for me.Seaman life is boredom and hard...when i was a single. everyday was adventurous. Since i got married , i wanna spend my time with my family.On top of that...it s not my dream job aside from money matters. In this case , i have to chage my career and have to study new path.In my country , we dun have proper finance institute.Study abroad is the only solution.Cost of studying in Singapore and Canada is not quite different.That s why , i choose canada. I can cover all my cost for 3 yr of study in canada without doing part time job.