I'd like to thank Ian McGugan, for encouraging me to write this book, and for showing me what great financial writing is supposed to look like. To the teachers at Singapore American School, who prompted me to write an understandable guide for the layperson. Many of you have turned an important corner by saying no to the excessive fees charged by certain financial service operators, and I'm excessively proud of you for that.
Hats off to Kris Olson, Keith Wakelin, Deb Wakelin, Neerav Bhatt, Gordon Cyr, and Seng Su Lin for allowing me to pry into their financially empowered personal lives for the betterment of others.
And for helping a technological Luddite, cheers to Excel master, Dan Skimin; the Jedi of patience, Lavinia Vasundran; technological coach, Dianna Pratt; and graphics guru, Paul Welsh.
Thank you to Facebook master Alex Wong; webmaster of infinite degrees, David Dixon; artist supreme, Fang Yang; my secret agent, John Kimzey; and the supplier of nutritional power, Jane Antique.
Nick Wallwork, of John Wiley & Sons, deserves my sincere gratitude for believing in this project, as do production master, Janis Soo; editor extraordinaire, Jennifer Wells, and the marketing tag team of Cynthia Mak and Cindy Chu.
Finally, thanks to my wife, Pele Hallam-Young, for her unwavering encouragement. Every day with her is Christmas.