Hi Jas, You string a chord in my heart..... "From rags to riches is my story of how we bought our first HDB home with no money in the bank and as little as $2000 in CPF to having reaped some profit to finally be able to do up a nice home of our own.. after 5 years.." Those were e days man! So deeply etched in my heart. I am goin to to where i came from, yr neighour estate, tampines. Going to start my own renvo soon! Have a smooth renov ahead. cheers