I am writing this blog post for a minority group in our society – the unfortunate owners of private homes. Their number is not small but their voices are not heard. You might say: But these people have money to buy private properties. Most of us can’t afford to live in condos. Some of us don’t even have an HDB flat under our name. Compared with us, their problems are not problems. See, this is exactly why when private homeowners run into troubles, no one will pity them. Our concepts of landlords are outdated for at least 20 years Two main groups of people will come for my consultation service. The first group wish to upgrade from HDB to private homes. The second group want to buy a second property for investment. The latter said they want to generate passive income or plan for (early) retirement. The idea is to buy a...