# Key 1:
Start Early – For a Longer Investment Horizon
(Bought my first HDB in 1988 when I was 24)

# Key 2:
Do Not Wait to Save Enough for your Dream Home. That Usually Never Happens
The whole idea is to gain a FOOTHOLD, no matter how small
(No 20%, no CPF because Civil servant CPF super low.)

# Key 3:
Plan Ahead, Prioritize : Your Lifestyle
Determines How Rich You Will Get
(Borrow 6x my monthly salary to renovate and pay in installation.)

# Key 4:
Owning More than 1 Property –
Are you Smarter? Using OPM
(Start to buy Private after buying my second HDB 10 years later in 2006)

# Key 5:
Leverage – Acquiring More with Less
(Start to Leverage after re programming myself using google and Youtube.)

# Key 6:
Buy It, Hold It. Using Time as an Ally for a Higher Rental Yield
(Time is not on my side, got another 30 years to live if lucky. 8 more month to 55 years old)

# Key 7:
Buy at a Fair Market Price
(All my private and HDB are new launch. 1988 4A 81K, 1996 5I 250K, 2006 2 Bedroom 958sqft 535K, 2011 3 Bedroom PH 1453sqft 1,305,800)

# Key 8:
Understand the Locality and Master Plan
(Only understand go Hawker and wet market nearby good enough)

# Key 9:
Leasehold or Freehold? Does it Matter
(99 or Freehold who cares, all my property 99 still loving it.)

# Key 10:
Buy Within Your Means, Do your homework
(In Singapore you can buy still don't buy, there is nothing more I can say)