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Personal Financial Planning, Fourth Edition by Wai Mun Fong, Benedict Koh

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To God who has given me the opportunity to learn, research and write about personal finance; and

To my wife, Alice, and my children, Elizabeth, Jonathan and Abigail for their love, support and encouragement.

B.K.

To my wife for her constant support and encouragement in writing this book.

F.W.M.

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