henrytestimonials.gif (1425 bytes) The followings are greeting and comments from fellow customers and forum participants. I would like to take this opportunity to thank you for your valuable feed back and shall continue to work hard to improve the web site and customer services. Do drop me a line if you have some good suggestions. Meanwhile, I am sorry for putting up the following messages prior to seeking your permission. If you feel offence and would like me to take out your message, please e-mail me and I shall amend it accordingly. Once again, thank you for your testimonials, and most important, please continue to support this web site. ----  by Henry Tjoa

On Website HiM ......

Just visited your website and i thought it was fantastic, clean clear graphics, loads of information. Looking forward to using the member services, listening to your advice and expertise and reading from the forum. Great work,  - wee chyn

Enjoyed reading your Insight N Focus. Just a thought on your Item No. 7 on compounding and No. 8 on how you can become a millionaire, how about the opposite situation?? Could you also advise the public what will happen if the opposite happens ie. say if I have $100,000 capital and I lose 10%,20%,30%,40%,50% etc of my capital... then how much do I have to recover to make back original capital??
If you could show the public the power of Compounding from Positive n Negative situation then hope it could educate more people to more aware of risk-side of stock markets.

I have personally experienced the great difficulty to recoup original capital after 20-30% losses but not able to put down in exact percentage. Many thanks - Wah Chong

I had just discovered your site, It is good. As  I am not a tech person, I intend to take up your classes soon. Meanwhile, Could you advice me STI is on a upward trend or otherwise. Will Dow disturb our up trend as the market here are now more on earning mode growth. Thanks.
- Satish.

I'm very impressed with your HIM information. I recently opened an on-line trading account with you and would like to receive more trading tips from you and other fellow members. As a novice investor, I believe I can benefit from such valuable interactive session. Many thanks in advance!  - Siung Tjen

I'm impressed by the overall construction of the new HIM website, and have been a keen follower of your previous HIS website for months.
And thus have decided to open a trading account for myself, wife and son with the Phillips Securities on Friday (2 July 1999) and now awaiting approval. I have also indicated on the application forms to have you as my broker (CA). I do hope that you'll kindly process and accept the applications. Lastly, please include me in your mailing list for any trading news and opportunities. Regards
- Ong Lai

I am impressed with your analysis and articles on investment habits.  I like to join you as member and be your customer. Please let me know how to go about it. Thank you very much.
Best Regards,
- Darren Tan

I surfed your investment web site. Very informative and I like your style. I just open an online account with your company, can I specify you as my trader ?
- Jean

Henry, well done on your HIM web site, I always surf your web site regularly, it is really impressive and informative. However I would love to be able to access your membership page. Please give me an id and password. Thank u - William Ang

I've been following your commentary. Kind of enjoy and felt well informed. Can i subscribe to you for first hand email??  - cwm

I have always logged onto your website ever since I opened account with your company. I find BT Forum and Fish Forum very informative. Made some money from the tips there too. Thanks for allowing access to your site. I will certainly continue to visit everyday!! Keep up the excellent work!
- Novice

Suggest if possible add in 1 or 2 moving average lines on STI index chart. It will help to make buy or sell decision. I really like your web page. It gives lots of data and history. Thanks for providing such service. - PT

From:   LTInvestor  
Subject:  Good Job Henry    7/11/99  7:26:00 PM

You have done something good to the investors. Thanks. Keep up the good job

From : Ah-Lang Greenpants
Subject: This place is really a very good site 7/24/99 7:53:00 PM

This site has a lot of information which investors in Singapore would like to have assess to. In addition, the weekly and long-term review is fantastic. Very good technical analysis and a list of factors to watch. Thanks.

From : Rickee
Subject: Great Site! 7/24/99 9:68:00AM

Hello Henry, You have a great website going. I will pop in more oftern. Regards.

On Singapore Market Weekly Commentary .....

First I would like to say that your weekly market review is superb. You're an expert in Elliot's wave theory. I'm interested in joining as a member to your service, please let me know how to open an account with you. Regards,  - K. H.

I almost thought that you are going to be wrong this week. Looks like your are on the dot again. Primarily, we are still focusing on buy on dip and sell into euphoria while adopting a hold on blue chips. excellent business for remisiers with this kind of market

I feel that market bull is here to stay. interbank at 1 % plus is excellent and very encouraging. with ocbc fixing 5% for 5 yrs i think they must have seen the possibility of long term low environment. - Jere

From: Ah-Lang Greenpants
Subject: To Henry : your technical analysis 7/24/99 8:00:00 PM

I just come across your market review and I like your technical analysis.

From: keito
Subject: Spot on Henry! 7/23/99 5:56:00 PM

Just want to say that your predictions for the mkt is almost spot on and is indeed very impressive!

From: Pat
Subject: Good Work, Henry 8/24/99 11:30:00 PM

Hi Henry, Has been reading your weekly review for long and short term prospective ever since this forum was created, however has not really been making any contributions yet. Have been following very closely on your weekly review, and noticed that your predictions are indeed very accurate. However, I would like to know to how long a period are you anticipating the long term view which you have put up in the commentary. Do your long term view varies as you updated your commentary every week?

On One Chart A Day......

Just to let u know.........
I felt that the type of info updates that u have been sending lately are
very, very interesting and very good!   Excellent info and services!
Best Regards- Tham K H

I truly appreciate your  email  trading advice.
Would you be interested to manage my portfolio based
on your decision as per email advice given daily. I
could spare about $100000 .
Regards- Tong S C

I am impressed with your diligence with sending me mail everyday to update me has been very helpful. I would like to see how I can see this info can be used for investing.  
Would it be possible for us to meet or can I call you ? Please give me your phone number. 
My phone number is xxxxxxxx
Thanks.- Desmond Ang  
 
Thank you always for your insightful analysis. I am always thankful when I received your email. Grateful trader- Kevin

Thanks, Henry. That very kind of you to issue a early
warning of such - KH

Excellent! Good job as you are adding value all the time.
Cheers! Jeff

Enjoying your charts. Please keep sending - Toon

You were right about the market. Appreciate your timely advice/ warnings on your take of the market situation. Shall follow your advice more closely in future. Although got some setbacks due some to my misjudgement overall has been rewarding. Thanks
- Kelvin

On Customer Services .....

Just to say thank you for your recommendations.  They have been spot on. Regards - David

Dear Swee Lin,
I am pleased to introduce my remiser Mr. Henry Tjoa to you. He is a very informative person who always keep you update on the latest market information and sometimes also provide "Hot tips". You may contact him directly through e-mail or better still sign-up online with him. Happy investment. Regards,
- Alex

I am taking this opportunity to thank you for your guidance and patience in helping me open a margin trading account.  You have made the process so easy for me by co-ordinating with your Accounts Dept. in spite of my being overseas. You stand out among the very few remisiers who has added value to the customer with your innovative website,  comments and guidance.   Even though the age of internet trading and online research is right here,  people like me would still opt to seek trading advise and draw on your valuable experience.   Keep up the good work......... Internet Trading/Research is useful but it will take a back seat when good experience remisiers like you are around. Warmest Regards,
- A Tanveer

Thank you for the advice. I did some observation and you are accurate in the shares prediction. Keep the emails come in and we appreciate your kind advise.  Best regards  - Rouda

I personally like your style as it's not "selfish" compared to the rest .How do I open an account with you ?? Currently I have another remisier from Tsang & Ong.  Pls advise.
Regards,
- James

I'm a Singaporean working in Dubai,U.A.E. Presently, I have been trading through my broker via IDD calls and e-mails and paying through phone banking via IDD calls. These proves to be costly, so what can be done to cut down on these measures? Also, to open up an online trading acc., must I be present in S'PORE or it could be done via mails and e-mails? Thanks.
Best regards,
- Henry Lee

Thanks for the great info you have been sending me lately.
Can you pls send these updates to my office email as well?
Leave my current's email(home) on your mailing list too, just in case I am on leave for the day.
 Thank you.- Alvin Chia

Would like to thank you for your effort in mailing us your valuable views on the market which we had made some $, your hard work and effort is much appreciated. We look forward to more co-operation / business contact and of course more $$$ in the year 2006. - Tan H L
Your first class service is highly appreciated. wish you and your family a safe, healthy, prosperous and happy Lunar New Year !!!
Thanks and regards,- Daniel

A Very Happy and Prosperous New Year to you and your
family.
A Big thank you for your technical analysis of the stock market. Regards - Karen Lim

Please send e-mail to: Mr Henry Tjoa