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The Fact
The “spotlight effect” is the cognitive bias that causes others to think they are being observed and noticed more than they actually are. People experience this because they naturally see everything from their own point of view first. Learning to reduce its influence can make one become less self-conscious.
You must have clear goals before doing investment. A long shillings couldn't be a goal. You have to determine what's more important for you: cost or investment terms. Such approach helps you to determine investment instruments you need.