Dear friends, A common aspiration among those in our Family Circles is home ownership. Currently, they live in a 1 or 2 roomed flat rented from the government at a highly subsided rate but they aspire to have a place they can call their own. 2 mothers. I shall call Jean and Joan have 4 and 3 children respectively. They have come to realize that without a job where their employers contribute to their Central Provident Fund (CPF) account monthly, they are unlikely to have enough savings to purchase a flat. CPF is a mandatory social security savings scheme funded by contributions …