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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!

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announcement! change of address in 2016!

I had intended to post a very (x 1 million) long entry, which I am currently still writing, but I can’t contain the joy anymore and I must declare it immediately. I promise though, that the elaborated entry will arrive in the coming days (if not, weeks). For now, HY and I are delighted to announce that we have, by the amazing grace of God, successfully selected a four-room flat in the coveted HDB Built-To-Order project called SkyVille @ Dawson, and we cannot wait to receive the flat in the coming years. I PROMISE – details to be released soon! But for now, here’s what our future home will look like!

The following pictures were all taken from here; this link is also the official website for this project. Our address in 2016: 87 Dawson Road #11-XX, Singapore 141087. (I ought to keep the unit number secret for security reasons…) Oh man, HY and I are super overwhelmed by God’s goodness! We have had one crazy journey with the Lord and we have so much, so much to thank God for! Thank you for all your prayers! HY and I are on our way to becoming property owners! Can’t wait! Can’t Wait!! CAN’T WAIT!!! (((:

can i dream with You?

In life, there are many things that we share in common; dreams are one (and nightmares are another, but let’s not go there today). We tend to associate positivity to dreams (e.g. daydreaming always seems light and fluffy, after all it can’t be scary building sandcastles in the sky, right?); and we tie in negative connotations to nightmares. There are, however, dreams that well, are just neutral.

Like most of you, I can’t quite recall the majority of my dreams. I do recall a few particular (bizarre) ones, such as:

  1. It was 1994 and the first World Cup I watched. Brazil won Italy on penalties and it was Italy’s maestro Roberto Baggio who missed that decisive last kick. I was Signore Baggio and I remember placing the football on the penalty spot. The millions of spectators in the stadium were rapturous in their chanting of “JOEY! JOEY!” (Yes, indulge me, please). Very non-chalently, I silenced all of them with a wave of my hand and I knelt down to gather a handful of grass. (This is when it gets crazy…) I put one blade of grass into my mouth… And I shouted, “MEE GORENG!!!” (!!!) This catapulted everyone into delirium and they began their choruses of “MEE GORENG! MEE GORENG!” I went on to score of course, not that it mattered anymore. Crazy, I know.
  2. A part of my childhood was spent in the messy precinct of Jalan Besar and that was when I was really into Taoism – deities, ghosts, spirits, souls blah blah blah. It was also the time that I was really into Ghostbusters… (Yes, the TV/movie series with Marshmallow Man.) I recall being able to fly and manoeuvre around the estate on some cool skateboard machine. My main task each evening was to heroically exterminate the spooky beings in the (there’s-something-strange-in-the-)neighbourhood. I did that with ease and a dash of suave of course, shooting out from my bazooka green, acidic, slimy blobs of I-don’t-know-what and sucking the vermin into an ashtray-shaped ghost containment unit. As with all crazy dreams, before the mission was over, I ended up RECRUITING these ghosts instead. There is no sense in this, of course.
  3. When I am stressed, I almost always end up dreaming about looking for a needle in a haystack. (Cliche, but that’s the most normal bizarre dream…)
  4. And when I am very stressed, I dream about eating a piece of cake that grows bigger and bigger with each mouthful, and this stupid piece of cake (I remember it to be a strawberry shortcake) grows to the size of a HDB flat! It gets really insane because I’m supposed to finish eating a piece of cake that doesn’t quite finish!

These are the four dreams that come to my mind all the time, but I think if I had the time, I’d be able to pen down a few more ridiculous ones. Does anyone have crazy (or crazier) or recurring dreams like that? Do share!

On a more serious note, I actually am of the opinion that creativity takes place in the purest form in dreams. It’s as if each night we go to sleep with a white canvas, beckoning God to paint on it. Think about it, there are absolutely no limits in dreams; I can be anyone, doing anything, at anywhere I desire, at anytime I determine and with or without anyone. To an extent, it is when we actually get to experience what CREATING is like. (With God as the supreme Creator, I opine that human beings have absolutely no creativity. We are only able to innovate because everything that we “create” is but a reference from something else that already exists. More on that in another entry…)

Hence with dreams potentially serving as such powerful platforms, I’m inclined to do what I wanted to do some time ago – put a small notebook beside my pillow and to jot down, in whatever semi-conscious state I am in in the immediate aftermath of any dream. This is as good as getting free downloads from the Creator of the universe. Sounds lunatic, but dreaming actually taps into the creative power of God. (I say that very loosely and irresponsibly, of course.)

The more I think about it, the more I am convinced that new songs and poems can be written and inspired by dreams. Dreaming is the playground for divine revelation and forward thinking. Our (finite) imagination is the platform for infinite possibilities. Holy smoke, I don’t even know how those statements came about. I believe that dreaming (whether day or night) transports us to places that our human eyes cannot see and our cognition cannot handle. We should not underestimate what (the work of God in) our minds are capable of accomplishing.

Of late, I keep dreaming of one particular action but in different scenes; I dream that I’m running against the wind – be it in football matches, away from crooks, chasing buses or even just regular jogging. Wind (or resistance), be it external or internal, is the immediate obstacle that is common to all, that all of us must overcome. I have mine and you have yours, in varying intensities. It’s always easier to cycle downhill or swim with the current; but it is running against resistance that train muscles and going against opposition that confidence is built up. These song lyrics sum up my sentiment perfectly:

逆风的方向,更适合飞翔;我不怕千万人阻挡,只怕自己投降。- 五月天:《倔强》

(Translated: Traveling against the wind is the best way to take flight; I’m not afraid of the opposition of a million people, I only fear my own surrender.)

I haven’t the faintest clue how this article evolved into this ending but I’m glad it did anyway; I just kept typing. In a sense, I put into practice what Finding Forrester advocates:

“No thinking – that comes later. You must write your first draft with your heart. You rewrite with your head. The first key to writing is… to write, not to think!”

Spoken like a classic Sanguine, without first dreaming, we are never going to get anywhere. Dreaming without action may be useless and a complete waste of resources but without dreaming we have no solid action to execute at all! Let’s engage God in our dreams. Can I dream with You?

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