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XX. the one mad week of errands.
Preparing for this elaborate proposal required a number of props, and since it was my proposal, I wanted to accomplish most of it by myself as much as possible. I sought help of course, on matters that I didn’t consider myself familiar with.
I approached Hilary to ask him to recommend a professional printer. I liaised with a printing company and paid for five A2 and three A3 full colour prints on PP sticker with a five millimetre kappaline mounting. And I made my way to the obscure Kallang Bahru on Wednesday to pick up the prints, since delivery wasn’t worth it for such a small quantity. I took leave on Thursday to complete the remaining errands. I had no idea printing these things were so costly…
I started my day at IMM where I spent an unimaginably long time in Daiso and Giant, picking out tiny plastic bags for goodie bags (so that everyone who turned up at the party took home something), a magic chalkboard as a prop for photo-taking, seven glass cookie jars to store sweets, five luminous paint markers, and a whole stack of tidbits.
It was there and then that I discovered that I have decidophobia (no kidding!). I became unexpectedly stressed at having to choose from the huge variety that was available to me. I even made distress calls to Cheryl, Melody, Yixian and Keith because I started to panic so much. Cheryl and Keith were amused by it but realised shortly that I was seriously distressed, so they patiently walked me through every decision that I had to make at those supermarkets. It was the most stressful errand, ever!
Besides helping me to record the song, Johann was also generous enough to restore my guitar to showroom condition, including drying, cleaning and dressing it with a new set of strings. Having my guitar restored was also helpful for my worship set at J333 (the Wednesday prayer meeting) anyway.
But as you would know by now, it seems like I never get to do things the easy way… The E-string snapped during soundcheck and I was frustrated, not because I had to use an inferior guitar, but because I had to buy a new string! So I swung by the Clementi Yamaha and to my horror they ran out of E-strings. But fret not (no pun intended!) for I simply purchased a new set of strings.
After Clementi, I made my way to Holland Village to make orders and pay for eight tubs of ice-cream at The Daily Scoop and arranged with Wei Kurk to help me pick it up on Friday, before the engagement party. I also swung by Party City to order enough helium-filled balloons to fill the function room. It was my first time ordering balloons and I got shocked at how expensive these items were considering they only had an eight-hour lifespan! I paid for it nonetheless and arranged with Xianyi to receive the balloons at the function room on Friday evening.
My last stop was back to the office at Tanglin Road, where I dumped the loot and packed them into plastic bags, with labels on each of them for my crew to pick up; Gideon picked up the guitar, guitar stand, projector and placards, while Keith picked up the logistics needed for the engagement party.
Oh, did I mention that it was pouring this entire time and that I didn’t have an umbrella? Okay, I just did. And I accomplished all these errands without a car. Yes, I had to make do with public transport the entire time, carrying with me big and small, heavy and bulky plastic bags. And I completed all these errands just in time to meet Huiyi at her office to head for her birthday dinner together with her family. Perhaps this justifies why I forgot to buy her birthday cake that day.
Next chapter: the one regrettable conflict.
XIX. the inception – the surprise within a surprise.
Planning a surprise proposal itself was enough to keep me busy. But I am a sanguine. And I am over-the-top. So I decided to also plan a surprise engagement cum birthday party for her.
Yes, the proposal itself was a private affair where she had all the time and space in the world to enjoy the moment. But I was sure she also wanted to celebrate this moment with close friends. Besides, it was also her birthday. So it made complete sense for me to throw a party immediately after she became my fiancée. Yes, I am justifying my decision, but it proved to be well worth the extra effort.
Hence, I made numerous phone calls to establishments like The Coffee Connoisseur (TCC) @ KBM, Simply Shiok @ One North, The Daily Scoop @ Holland Village and Haato @ Greenridge Close to enquire about holding the party there. TCC instantly priced themselves out of my consideration (and I wasn’t impressed with their service inflexibility too).
Simply Shiok had space constraints but the owner, Gladys, was kind enough to offer to rent the adjacent restaurant to create more seating capacity. I thanked Gladys for her effort but decided to turn her down because the cost didn’t justify the result.
Wei Kurk attempted to help me pull strings with the owner of Daily Scoop (they were former school mates). But we didn’t order enough ice-cream to qualify as bulk purchase so instead of dining in, I placed an order for eight tubs of ice-cream instead. Much to the dismay of my guests (but to my absolute amusement), I picked out four unique flavours and four even more unique flavours. I didn’t understand why people couldn’t appreciate flavours like Gingerella or Salted Mr Brown… But I digress.
Haato was another one who proved to be inflexible with their services. They refused to let me book the entire premise (even after their peak hour during dinner) unless I could guarantee minimum orders per customer. I wasn’t impressed and I wanted to rebel by getting my guests to clome the restaurant group by group and take over all the tables one by one. But I decided against it and ended up canceling my reservation.
Let me sidetrack here. If you are reading this and you own a café or restaurant, do yourself a favour and HELP THE MAN who wants to hold his engagement party at your place! Come on, he’s about to bring 40 people to your restaurant to create a positive memory there for everyone in attendance. It makes complete commercial, marketing and economic sense for you to host his party. Don’t you get it!?
I ended up throwing out the idea of holding the party outside and decided to scale it down instead. I asked Xianyi to help me book his condominium’s function room instead (which was more affordable anyway) and I decided to DIY this engagement party; I’d buy my own food, beverages, desserts, decorations and set my own theme for it. I was sure I could have done a much better job at throwing a party than those so-called food and beverage experts. Most of them didn’t leave me with any food for thought.
Three-quarters of those who were waiting in ambush...
Next chapter: the one mad week of errands.
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!
joey asher | misunderstoodsunshinekid 