Most of us are not taught much about personal finance and investment during our school days.

Sure, we learn all the basics—math, science, literature and history—and enter the real world armed with all the necessary skills to land a good job and earn a living. Paradoxically, we are also still in the dark about what basic finance skills are necessary to help us reach a comfortable retirement.

We know how to earn money, but that is only half the equation for success. We must also learn how to protect it and make it grow by implementing savvy personal finance and investment decisions throughout our lives.

This educational gap is filled by generous and knowledgeable advisors like Dennis Ng. In this book, Dennis kindly shares with readers a compilation of various articles covering a plethora of personal financial issues that will be of interest to everyone. Some of his advice will seem so commonsense you will think, ‘why didn’t I think of that before.’ Other concepts will be counterintuitive, such as learning that it may not be very wise to pay off your home mortgage early.  

Implementation of the ideas into your everyday life will require nothing more painful than discipline and patience—although these human commodities tend to be rare in today’s instant gratification society. Retiring comfortable, even wealthy, is now within your grasp. Dennis will help you learn to be efficient with your money and live a little below your means so you can set aside savings, and invest your savings wisely with a long-term view.

We live in turbulent and challenging times. Nonetheless, Dennis’ timeless little gems of wisdom never go out of style. As he likes to say with such gusto, “Yes, you can retire a millionaire!” 

Curtis J. Montgomery,
Author of Sun Tzu on Investing – 15 Strategies for Dynamic Investments