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!
sermon recap: stephen the formidable forgiver.
I think my face is finally showing signs of aging and I do not relish losing my youth. While it has been thoroughly satisfying so far, I must be honest and say that it has also fatiguing to preach the last three consecutive weeks (so I salute RY who has been doing that week-in, week-out for the last decade). Preparing a sermon excellently is indeed a labourious challenge; I spend 15-20 hours on average with each one. The bigger challenge however, is to wait upon the Lord as I allow the Word to saturate my heart and mind – I try not to write a sermon academically; the biggest challenge is to hear from the Lord the word in season for my congregation. I find it easy to deliver a generic sermon, so it is vastly gratifying when I preach a sermon that speaks specifically to my people. I always pray that the Holy Spirit will do His work of revelation in my youths’ hearts as they receive the Word.
I am thankful to God for the generous encouragement and plentiful affirmation that I’ve received over the last three weeks; I never take any for granted – these pats-on-my-back spur me on to preach even sharper and deeper sermons! As I conclude Part III of Facebook with the Newbies, I embark on the preparation of the final installation. I pray that this series won’t just end on a climax, but it’d end in a manner that the Spirit leads. In the meantime, do check out the slideshow below to refresh yourself on the two main themes that Stephen leaves with us – managing anger and overcoming unforgiveness.
Part One – Managing Anger
- The main difference between the angry Jewish leaders who couldn’t control themselves, and Stephen who clearly was in control of his emotions, was that the latter had the Holy Spirit while the former didn’t; in short, the Jewish leaders had the presence of anger and the absence of the Spirit.
- The greatest obstacle to forgiveness is anger – for anger kills. It gives birth to murderous intent, which is different from incidental or accidental manslaughter. The Jewish leaders didn’t kill Stephen unexpectedly – they had planned to do it.
- Hate is a choice and the judgment of hate is murder in your heart (1 John 3:15).
- The Jewish leaders’ answer to Stephen’s inspiring and riveting sermon in Acts 7 revealed a three-step progression of anger.
- The first stage of anger is when you realise it with your senses, through your eyes and ears – “When they heard this”. When this happens, ask the Holy Spirit to be your filter, to separate and sieve away the things that make you angry.
- The second stage of anger is when you respond to it with your emotions, in your mind and heart – “They were furious“. When this happens, ask the Holy Spirit to help us to choose the right response in any situation.
- The third stage of angeris when you react to it with your actions, by your hands and mouth – “And gnashed their teeth”. When this happens, ask the Holy Spirit to help you do the right thing that doesn’t cause you to sin.
- Ephesians 4:6 states that we should not sin when we are angry, but it doesn’t say that it is a sin to be angry; what we do when we are angry makes all the difference.
- Anger is an extreme emotion that can sometimes be damaging and destructive; it is always a decision made in our thoughts and feelings, and it never happens by chance. Remember that anger is an emotion, not an action.
- We cannot control what happens externally (situations and circumstances) but we can ask the Spirit to help us to control what happens internally (emotion and cognition).
- The biblical remedy to managing anger is to pray and ask the Holy Spirit to help us – that’s why Stephen was known to be a man full of the Holy Spirit.
Part Two – Overcoming Unforgiveness
- While Stephen’s answer to the Jewish leaders was completely different from the way they treated him, his reply to them in the face of being stoned was actually quite similar to the way Jesus Christ in the way that He was crucified.
- Stephen had an absence of anger and a presence of the Spirit; he demonstrated for us three possible approaches to overcoming apparent unforgiveness.
- The first approach is to be filled with the Holy Spirit (“But being full of the Holy Spirit”) by exhibiting the fruit of the Spirit (Galatians 5:22-23). Actively deal with unforgiveness and not passively avoid it.
- The second approach is to look to God’s love intently (“He gazed intently into heaven”) and remember our God is One who is ready to forgive, gracious and merciful, slow to anger and abounding in steadfast love (Nehemiah 9:17)!
- The third approach to know Jesus’ mission wholeheartedly (“Do not hold this sin against them”) for when we understand that the mission of Jesus is to seek and save the lost (Luke 19:10), we’ll understand how to honour and give Him glory in our most trying situations.
- The glory of God is evidently distinguished and displayed when we compare manmadestructures to GodmadeWonders (pun intended); hence we should fix our eyes on something bigger than ourselves, better than our situations and more glorious. We should put on heavenly spectacles.
- Those who are full of the Spirit are game for anything in life, be it good or bad – because they are willing to do His work and to suffer for Him.
- Forgiving others is a natural cause of action when we are being forgiven by God.
- When evil does its worst, God does His best; Stephen’s martyrdom indirectly resulted in Paul’s conversion. Paul became a legendary missionary and author of half of the New Testament.
- God desires for us to be reconciled to Him first, before we are reconciled to others (2 Corinthians 5:17-19). We experience freedom to relate to others when we are liberated in how we relate to God.
I sincerely hope that was helpful for you. With that, I conclude Stephen’s chapter and look forward to the last character in this series, as well as some much-needed rest at the start of the week.
the delightful faithfulness of God.
I’ve had a long day and I’m exhausted but I write because I want to give God glory.
Today, on my way to work, in my morning chat with God, I told Him that it’d be really helpful if I had a vehicle as there is a lot to be done, a lot of people to meet and a lot of traveling to do during the December peak period.
After staff devotion, I returned CC’s missed call. He asked if I could do him a favour by picking up his Kangoo from the workshop tomorrow. He is my best friend and it wasn’t a tough request anyway so I gladly agreed to help.
“Eh actually why don’t you hold on to the car? I’m heading to Europe for two weeks. I leave tomorrow.”
I shared this with CC when he came over to my place tonight to borrow some winter wear. Even he, ever the agnostic, thought this random answered prayer was cool. I feel really blessed to have a friend that is CC.
HY always knew that I have considered buying a Kangoo in future (but probably won’t because she holds an auto license). So when I told her about CC’s offer, she shared my joy and she also reminded me of God’s sense of humour.
“And you’ve always wanted to own a Kangoo.”
How can I keep from singing Your praise? I could never do enough and I marvel at Your amazing love. When You choose to bless, You delights in doing so and exceed all expectations when I least expect it. You have met my needs. All glory to Your name.