Hi. I've been receiving & reading your free newsletters for quite some time now and I must first of all thank you for this unique service that sheds light on the intricate business of housing loans. This sort of insightful information is extremely helpful to the layman. - Yew Yee

Hi Dennis, read your interview with Sunday Times on 4 Nov 2007. Your views on not owning a car have made you different from those who were interviewed in previous Sunday Times' issues. Most of them owned a BMW, Lexus, Mercedes or a simple family car but you are one of the few who get by without one. In the process, using 6% annual growth, you have saved about S$1.6 million ! My wife and I now support your view and tell ourselves not to buy a car unless absolutely necessary as we both enjoy walking (and I enjoy cycling).

Hope you can continue to contribute to the BT or Sunday Times in future. Look forward to reading more of your articles/interviews.

Actually, I want to say thanks to Dennis for educating me a few months back about good debts and bad debts, both in this and CNA forum.

He had made me changed my perception of debts and started to realise the fundamental rule that it is silly to clear good debts all at once, but should instead to put the available funds to earn higher return so that the net effect is debt-free situation. Thanks Dennis once again

Dennis, I see that you are quite an established person being featured on TV and having a prominent website. I must say that you are very successful in the line of finance. I hope that you will continue to write such great articles that will benefit the general public and perhaps bring insight to many people in various industries. - Ethan Chan

Thanks for the information and the articles you posted. They're indeed educational and informative for me. Please keep up the good work. - Mr Au