An huge amount of flyers have been mysteriously appearing at my door-step in recent days. Ah, 5-years is up, no wonder! Remember in earlier post about finding our first pot of gold? Many of us have been generously provided with the chance to obtain one, in case we don’t have it. The key idea is that my HDB BTO apartment was bought from HDB at subsidized, lower-than-market prices. In Singapore context, this is as good as a sure-win scenario. Plus, every Singaporean is entitled to two such opportunities. The only criteria is that you must have one mandatory resource – time. The HDB flats requires time to be built. I did a check at HDB’s website and the first apartment in my estate that was sold happened in March 2016. The interesting thing about my estate is that all apartment types are 4-roomers, with the exception of a handful of high-floor units having balconies. This ......