top ten reasons to rejoice for our Dawson flat.
As HY and I experience the Dawson saga, it doesn’t just give us the assurance that God has good plans for us, but also that He has the perfect timing. Hence, the best thing we should do, always, is to trust in His gifts and believe in His timing. I will be detailed in this thanksgiving because I want to give God the full glory. This will be a long entry.
The Dawson BTO (Built-To-Order) project was designed by award-winning architects and centrally located in the Queenstown district. As a result, around 10,000 people applied for it, making it over-subscribed by a few times. We applied for a four-room flat because we know that by 2016, we probably would have just started our own family.
There were 1,102 four-room flats available and our queue number was 1,302, meaning we needed 200 applicants to drop out before we were eligible. However, we actually needed more than 200 applicants to drop out because these 1102 units were divided to meet the ethnicity quota. This basically means that we needed Chinese Singaporeans to drop out if we wanted to smell a chance! Nonetheless, we made it by God’s grace and here are ten reasons why we are still rejoicing and praising God for His providence.
I. Balloting Success. By God’s grace we were successful on our first attempt – quite a miracle considering that there people who have repeatedly applied without success. I remember telling HY that the more we had to depend on “luck”, the more confident I was for God is in control and that we need not depend on our achievements.
II. Right Phase of Relationship. Timing was key in our application. We had arrived at a point in our relationship where we were ready to move on to the next phase of our courtship. We felt that we were ready to progress in our relationship.
III. Additional Housing Grant. Couples with a combined income of less than $5,000 would receive additional housing grant (AHG) of up to $40,000 from HDB. Basically, the lower the combined income, the higher the AHG awarded. This worked out perfect for us because by God’s divine timing, we applied for this when HY was a student without income and when I drew the modest salary of my working life. Any earlier and I’d be on a better income, any later, and we’d have been on a higher combined income. Applications for Dawson opened in that perfect window. HDB actually requested for HY’s CPF statements only up to June 2010 – she began work on 1 July and would therefore have CPF contributions from July onwards! Get it?
IV. Staggered Downpayment. HDB created this payment method to encourage couples to settle down at a younger age. Those below 30 years old have the option to pay their deposit (10% of cost of flat) at two intervals – once at flat selection (now) and the other at keys collection (six years later). And as this is completely paid through CPF, it means that our cash-commitment amounts to zero (not because we have a lot in our CPF, but because of the AHG).
V. Queenstown District. One of the factors that helped us to increase our balloting chances was to be situated near one of our parents. To qualify for this, you’d need to stay within a 2km radius of your parents. Ghim Moh is over 4km from Dawson but because both estates belong to the Queenstown town council, we still qualify.
VI. Breakthrough with HY’s Parents. There was no easy way to ask HY’s parents for their approval and support for this application. We were so scared about this that we actually methodically prepared a detailed six-page FAQ as we tried to speculate the questions they might ask, and we even rehearsed the Q&A! This chat also took place at a time when there was slight tension in the family. It really took courage and a step of faith to present this to them. And their response took us by complete surprise, “Actually you don’t need to ask us because it’s your combined decision… But if you ask us, there’s no issue – this is a good deal – go ahead!” W-O-W!
VII. Centrality. In light of the current skyrocket prices of flats, our Dawson flat actually seems affordable (and almost a steal). It’s a great investment no matter how you look at it. One reason why we were attracted to the place was for its location – a 10-minute commute to almost anywhere (Ghim Moh, Holland Village, the Singapore CBD, Orchard Road, Harbourfront, Chinatown and City Hall), leopard-crawling distance to Grace Assembly of God and walking distance to Queenstown MRT.
VIII. Growth Spurt in Faith. We selected the flat on the fourth day of Grace Retreat. We spent most of the two weeks before our selection appointment refreshing the HDB website, checking how fast our quota was depleting. Our appointment was the second-last of the day and at the time of our selection, we were amongst the final 10 Chinese (i.e 10 more remaining units for the Chinese ethnicity). When we left HDB, there were only five units left. By 10am the next day, the Chinese ethnicity quota had completely depleted. Imagine the mental roller-coaster! Despite all that, we managed to select a high floor – 11th – and while it feels like a relatively low floor in a 47-level block, it was much higher than we had expected!
IX. Payment Commences in 2016. Yes, it will take half a decade for the flat to be ready but we see it as a good thing because it means that we’ll have more than enough time for our CPF to swell with nearly six years of monthly contributions. By then, we won’t even need to worry about additional cash injections because we could easily sustain the monthly repayments. This is significant; if we had purchased a resale flat, we’d require around $80,000 liquid cash (how!?) – half for Cash-Over-Valuation (COV) and half for renovations. Thank God we need not worry about that! In fact, we can take our time over to slowly and steadily save for renovations.
X. Housing Loan Eligibility. As this is a BTO, it means that our housing loan eligibility (HLE) would be reassessed when we collect the keys in 2016. This means that our HDB loan would be derived based on our combined income in 2016, instead of now, where it’d be based on only a single income. This is easily a difference of over $200,000 in loans! Can you imagine if we had to borrow that additional amount from a bank to finance a resale flat, or buy a $200,000 flat?
There’s so much more to thank God! For one, we are officially home-owners now and it’s a huge load off our chest. After all, purchasing a house is one of life’s milestones, and for us to nail it at 27 and 23 years old respectively, was beyond our expectations. To know that we’ve overcome this hurdle allows us to focus on building our relationship and making us even stronger than before. God is faithful indeed. All glory to Him alone!
day three – arise, faith, arise.
On the third day, Jesus rose from the dead; on the third day of this Retreat, my faith rose to another level. These are the thoughts of a man with little faith and was gently rebuked by God, for He has certainly proved His faithfulness to me, not that He needed to.
- To proclaim that the kingdom is at hand is to do the three things Jesus commonly did – to save, to heal and to do miracles.
- Biblically, there are three types of faith – desperate, believing and persistent; regardless of category, we ought to depend on God as a newborn babe would depend on his mother, for without faith we cannot please God (Hebrews 11:6).
- Faith is not about praying harder, longer or louder, and is not about begging or pleading with God, but focussing on God and how big He is, and not on our faith.
- Contrary to popular belief, faith isn’t based on feeling, emotion or circumstances, but on facts; didn’t Jesus rise from the dead? That’s a fact and that’s healthy faith; you can’t get saved without the Holy Spirit filling you.
- The mustard seed illustration is not about the size of our faith but the size of God, that we may see who He is and how circumstances yield to His power.
- Faith is to be exercised and activated, after it is taught and learnt; it is the currency in the kingdom of God and the absence of it renders you invalid.
- The Holy Spirit is the key to revelation and the grace of the Holy Spirit does the recalibration and reorientation. Conviction is not condemnation.
- Don’t try to get something you already have. Instead, we should keep the Spirit dripping like a tap intentionally left turned on slightly, so that whenever we require Him, He will be there, ready to flow.
- We’ll worry lesser about what others think of us when we realise how seldom they actually do. May this free my young people to relate with others.
- In my full-time calling, I should never worry about the money factor or even allow it to be a consideration because God will always make a way.
- Always pray in the Spirit, for when your body is out, your spirit is still praying. Praying in the Spirit means that you are always praying the will of God and hence you will always be on target. Lastly, praying in the Spirit is a decision – so make it, “I will decide to pray in my spirit”.
- The three primary purposes of speaking spiritual language is for praise, intercession and edification.
- After you learn to speak the language, you will learn to live the lifestyle; operating by the Spirit is to walk by the Spirit and not by the flesh and hence it should naturally lead to a fruitful life of love, joy, peace, patience, kindness, goodness, faithfulness, gentleness and self-control.
In my time with God in the morning, He spoke to me through Psalm 126:3 and it’s a reminder of His steadfast grace, unmerited favour and unfailing love in my life. HY and I have picked out our top 20 choices but we have a feeling that we’ll end up with that particular unit that we set our eyes on from the start.
“The Lord has done great things for us; we are glad.” God is good, He really is. Oh me of little faith. I should learn to step out of the boat!
“My son, you don’t need to prove anything to anyone because you are already fully-approved by Me and Me alone and that’s enough. Be secure in who I’ve created you to be and don’t get tangled in meeting the expectations of men.”
anticipating the future with thanksgiving and hope.
Without a shadow of a doubt, it was a one of the most momentous nights for HY and I, and certainly the most significant landmark of our journey together yet. And because we try not to count chickens before they hatch, we won’t announce what we’re celebrating over until we actually secure it – this keeps us praying without complacency until 10 June. And as we began the night declaring, “Blessed be Your name, whether You give or You take”, we’ll continue to pray with hope, in the attitude of an open-palm surrender. Chat us up if you want to share our joy. And please, continue to keep us in prayer! After tonight, HY and I can only declare the goodness and faithfulness of God – this episode has certainly pushed our faith to another level. How can we keep from singing His praise and giving all the glory to Him? We experienced a miracle tonight for God answered our prayers beyond all our expectations. It went better than we had speculated, for sure!
But speaking of speculation… I shall divert your attention to something I found on a website, which would be really ridiculous if it actually happened to SMRT in the future.
what determines the strength of our weaknesses?
In any social group – be it a cell group in church, amongst classmates, amidst extended relatives or in the company of colleagues – there always seems to be one person who is visibly weaker or slower than, or simply different from the rest. And we all know that this person’s anomaly causes him or her to stick out like a sore thumb.
I’d like to think that we’ve seen and experienced them all; we have met those who are mentally disabled, autistic, those with disorders like OCD (obsessive compulsive disorders) or ADHD (attention deficit hyperactivity disorder), those with poor EQ (emotional quotient) or relational skills, those that incredibly rude and intolerably inconsiderate, and finally the everyday individuals who are excessively sensitive, irritating, bossy or opinion-less, and the likes, who already struggle to fit in because they’re just different from the norm; they can’t (or struggle) to fit into the social group. As a result, when people don’t know how to deal with them, they simply shun them; those who are worse than scum scorn them. Shame on these insensitive individuals.
I was such a person.
This happened when I was in Primary school, before the saving power of Jesus Christ changed my life. There was a mentally handicapped boy in EM3 who was ostracised by everyone because he constantly went around to ask fellow students, in the strangest and most pathetic manner, “Do you want to be my friend?” As with (almost) every 11-year-old, I gave him that look of disdain and I walked away in disgust. I will never forget how low I stooped to that day and I carry that disappointment to this day.
I believe that the way we treat the least of us determines how strong we are. Already, these weaker individuals are eschewed by the world – I don’t expect many people to stop in their tracks to specially tend to or take care of them; no, most won’t even patronise them. They simply turn away in apathy – and I reckon it doesn’t even bothers them in the least bit. Our hearts have turned cold to those who are unlike us.
Like it or not, Christians, these people do exist in the church and more often than not they might just be sitting in the midst of us. How do we treat them? How do we respond to them? How do we extend love and grace to them? Sadly enough, more than half of us treat them in the same manner as the world treats them. No, unfortunately, these individuals are unable to find their city of refuge in church. Yes, we ought to be ashamed of ourselves. Aren’t we supposed to be the place that accepts everyone, regardless of who they are? It’s as if having to cope with a condition isn’t hard enough on the individual – we have to worsen it. It’s easy to love those who are lovely, isn’t it? But what about those who are unlovable? We ought to take a good hard look at ourselves in how we embrace people. My heart is so heavy even as I pen down these thoughts.
I’ll make it a little more relevant to us Christians, since I assume that most of you who read my blog are of the Christian faith. I’d say it again, the way we treat the least of us determines how strong we truly are. It’s like I’m rephrasing an old adage – that you are only as strong as (how you treat) your weakest link. If I want to see how loving a cell group is, I will examine how everyone treats the slowest, weakest and most unlovable member. So I find myself telling myself that whenever I deal with a needy person, the reputation of my church (and that of Jesus Christ) is at stake. I don’t know if this is the best motivation but I’m being honest. I feel pressured to do well, not for myself, but for the faith and organisation that I represent. I had better do well, so help me God.
the stream versus the rock – who wins?
I just returned home from a very late night chat, which I thoroughly enjoyed, with XY, because I was able to share from the bottom of my heart, and to let him see for himself the fire in my eyes with regards to my future. I also felt privileged as he shared a part of his life I’d never thought I’d hear. It was an open, honest, vulnerable and hugely satisfying conversation. I’m thank God for sending a brother like him into my life. It’s quite amazing how God connects in seamless tandem two individuals with vastly different upbringings, ideals, religious beliefs, values, dreams and decision-making models – not to mention our love-hate interest for each other’s football team (though that was not mentioned tonight). I even shared a little of my faith with him, why I love God (and how that is everything to me), and how I earnestly pray for his salvation. One day, he will know God.
As such, I’m unable to write a comprehensive article tonight. I don’t even know how to title this post. I do, however, would like to share two thoughts that have been tossing in my head the entire day. One stems from a quote and the other is how I approach my relationship with HY and why I think our love for each other is burning so strongly.
“In the confrontation between the stream and the rock, the stream always wins – not through strength but by perseverance.” – H. Jackson Brown
And the other is simply how the Holy Spirit reminded me that the only way to love HY unconditionally and more everyday, is to love God even more and as my first priority. Humanly, it’d be impossibly to do so – both ways.
let us never patronise God.
If I were hungry I would not tell you,
For the world is Mine, and all it contains.
– Psalm 50:12 (New American Standard Version)
This is one verse in the Bible that severely humbles me every time I read it; it keeps me on my toes because I’d never want to patronise God and offer Him mere lip service. Do I really think that the omniscient and omnipresent God doesn’t know what’s truly in my heart, beneath every word and deed? Who am I kidding? There’s no hiding from Him my insides. Each time I revisit this verse, I force myself to examine my private worship – for that determines the authenticity and power of my public worship. I’ve always believed that spiritual authority comes from time spent with God.
How can we even offer God something that He already has? What exactly is God hungry for? I’d like to believe that He is hungry for your praise and worship, devotion and thanksgiving, and your prayer and supplication. This sound extremely far-fetched but the truth is, God is after His own glory. And when you give Him the glory that is rightfully due to Him – I borrow JP’s thoughts – you are completely satisfied; it’s a place of gratification that nothing on earth can take, to know that you’re in the will of God.
Praise magnifies God’s being. Magnification isn’t making the subject bigger, but enlarging the subject in your perspective. Faith magnifies God’s doing. When God plays a bigger role in your life, the enemy and yourself plays a smaller role. That is why when you are in trouble, you ought to worship God, so that your faith can be built and that your perspective can be straightened out through God. And like the song we are so acquainted with, “Turn your eyes upon Jesus. Look full in His wonderful face. And the things of this earth will grow strangely dim, in the light of His glory and grace.”
Our response then, in the light of this verse, is to be a worshipper – one who directs and diverts the glory to God. And I believe, as absurd as this next expression may sound, that this is how we should feed God. Then maybe, God might speak to us; perhaps this is why we conventionally have a time of praise and worship before we hear God’s Word through a sermon. Worship is like ploughing the ground and the Word is like the seed being planted.
Hence, don’t be a casual worshipper if you want God to speak to you. Remember, God doesn’t need you to worship Him, so do not offer half-hearted worship – it has to be wholehearted, nothing less! If He was hungry, He wouldn’t even tell you. After all, the whole world (including you and I) already belongs to Him.
“Speak to me / And tell me all the things I need to know / I want to hear You now / (Can You) speak to me / I’ve opened up Your Word to free me / I want to hear You now” – Audio Adrenaline