is me again, already 4 month working here....
but recently a lot of policy from sg government restrict FT/FW/PR.

Previously i plan to get the PR, but now PR like no use already....
erm.....is it the right time back 2 malaysia?
Since anwar confident that take over the malaysia......??

I should come 2 sg few years back but not now...it seems i had make a mistake

HDB steps up enforcement against PR Subletting Under regulations which take effect on Wednesday, Housing Board flat owners who are permanent residents will no longer be able to sublet their flats for an indefinite period of time.

Presently, flat owners who are Singapore citizens and permanent residents are allowed to sublet their flat after the minimum occupancy period. The approval is granted for a maximum of three years per application, and owners can apply to renew the period of subletting upon the expiry of each three-year period, said a Housing Board spokesman on Wednesday morning. There is also no cap on the number of renewals and the total period of subletting, he added.

Under the revised rule, permanent residents will only be allowed to sublet their flat if they have not done so before. The approval will be granted for a year only, instead of three years. Upon expiry of the one-year period, the application to extend the approval will be assessed on a case-by-case basis and approval will be granted only if there are extenuating reasons, said the spokesman.

The total period of subletting during the flat owners' entire duration of the flat ownership will be capped at five years.

Nothing to do with luck, I definitely didnt born with a silver spoon in my mouth. And all my investment are from my own pure savings. Never took any single cent from parents after I left uni, infact I gave them and my sister monthly allowance.

The luck that I have are

- I knew a job wont get me rich, so I settled for a position that wont drained me mentally and physically.
- I invest money and time in business and property.

- I network with like-minded people, rule of thumb from books I read, is that, mingle with 6 people who are eaning more than you do.

- I am frugal with my spending.

- I bought a car in Sg (cause of the business I have), but the installment comes from the excess cash from rental income in Msia.

You just have to be smart in handling your money. Okay I sound as if I am preaching Robert Kiyosaki Rich Dad Poor Dad but yeah I believe in delayed gratification.

I know of an investor in his mid 40s, his salary isnt much and lower than mine, a family man, but he has got multiple properties, palm oil land and condos in Singapore. How he does it? He save and invest.

The only naysayer always reminds me is that, "you wait, if the market crash, you'll suffer when all your properties are not rented". Oh well, wait I shall then. Worst case, I go bankrupt. I rather try than sitting by the fence not doing anything but blaming not being lucky.