TR EMERITUS

Yahoo! News reported on 17 March 2012 that a Toa Payoh 3 year old 5-room flat was sold for a whopping S$894,000! A few clicks of the mouse on HDB’s website enabled me to come up with the approximate loan figure the buyer has to service. Price of flat        = S$894,000 Max loan     = 90% if HDB loan (interest fixed... 

I came to Singapore at age 25 earning $5K a month in 2005. The money was more than enough for a bachelor sharing a 5-room HDB apartment with 2 other bachelor friends whom I knew from India. I always had enough to go out for parties at CQ, trips with friends, the odd date now and then (unfortunately few and far between) and yet... 

I believe I will be slammed for this but please hear me out before fellow brothers do that. Thank you. Note: I am not a graduate and is presently doing odd jobs to support my parents who are retrenched and living with me. I am not married and is reaching 45, not that I dont want to, but I cannot afford to. I did not go to university...