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Hi all, may I seek some advice on HDB and ring ? 1) As we are waiting for the MOP of the flat, if we have reach 4yrs + I was thinking of sending a appeal to let us sell the flat to the open market. What would be the procedure be for this ? 2) For the proposal ring has been return to me since...

Hi all, my wife and I been ROM for 2 years and I had just found out from her recent trip oversea with her mum in a tour group, she met this younger guy. I admit our relationship do have their problems such as I'm busy with work and my part-time studies but she expected me to have a degree soon...