Just wanted to tell you that your book “Automatic Millionaire” was excellent. I finished it in a few hours and immediately opened an account with ING Direct – this account will be for my emergency fund. When I opened the account a few weeks ago, the rate was 3%. I received an email from ING Direct stating that they have raised the rate to 3.15% (what a blessing). I used to receive offers in the mail from ING, but always threw them away. I am now saving 10% of my salary in that account. Thank you for your sound and practical advice.