Recently, Singapore’s favorite oppa, Jamus Lim, has been receiving flaks for his suggestion of the government employing leverage during this recession time. While it may be true, it is not ideal for government; for us ordinary people, in the realm of personal finance it makes sense. Its just that we have to be wise about it. Low Interest Rates and Strong Dividends  Many Singaporeans have been using the low interest rate environment to make their bucket of gold in Singapore’s property market. Borrowing at 2.0% interest and below, they have purchased apartments and rented them out to foreigners, expats and even to our own countryman at rental yields of 2-3% on the condo price. They have earned the differential between rental yields and interest yields as well as having earned their pot of gold from the appreciation of Singapore property prices through the decade. In my view, it is definitely