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Swining Bells Grade 4 ABRSM exam 2013-2014 C3

This piece is just recorded this morning after I finish my piano exam in sun 30 Aug 2015

I will be moving house at the end of the year or year start.

Right now I just move in to this house brought under my eldest sister single name for 389K Singapore dollars. It was brought in July last year and I move in start Oct. 4A model flat about 104 square meter 11 level build 29 years old.

Right now at the end of this year or start of the year, I will be moving house as my second elder brought another flat quite near bus interchange or Train station but same town a bit near to where I stay now. Instead of 5 family member stay in this flat, I and my second elder sister two person stay in a much bigger unit. It is 5A model flat about 142 square meter 11 level build 21 years old at 452K Singapore Dollars. My eldest sister is able to apply for HDB loan so using CPF saving of about 200K to pay half then half get loan. My elder sister also have CPF saving of 200K cannot able to get HDB loan as pay is too high above 5K Singapore dollars monthly so got bank loan is principal approved right now we getting a deal of this bigger flat last month end, loan is under processing currently and evaluation report just out now about 450K for this flat. So end up three person or even lesser will stay in this flat as this bigger unit have three bedroom have option to partition another one maybe next time from one of two big living room. It also have front balcony at front entrance and kitchen service balcony at the back link to toilet.

My job contract is extended for a year

After this 5 month extension, my job end of last month had extended for a year, and it will be on a yearly extension basics. After this 5 month extension ended in 05 Aug this year, I will be getting a pro rated gratuity bonus in this month September pay. After that it will be a month gratuity bonus on every  year extension job contract completed. Every job contract extension there will be increment of basic pay to about 5% each.

I had gone for some job interview to send out my resume but at this time I had stop my job search for the time being. I spend a few days at the end of may this year to send out some resume and attended one interview, stop a while and last month middle started a few days to send resume online or e-mail attended one job interview. I find that my current pay is quite high and hard to ask to match my pay or even higher so stopped the search. The reason is to start job search early as this job may not be renewed but now I accepted the pay offer and extension end of last month.

Moved back to Virtual Private Server (VPS) from Reseller Shared hosting.

The price which I paid monthly from second month is US$12.99 just two dollars more than US$10.98, I having free cpanel, much faster web site loading, unmanaged, more bandwidth and free space, daily R1Soft backup.

Reseller hosting can be slow at sometimes, space is 30GB and bandwidth is 300GB. This VPS is running in SSD XEN virtualization, total space is 80GB, free incoming bandwidth and outgoing of 2.5TB, thus I think can manage the VPS myself with cpanel no need fully managed plan. Had been running for one day the performance is great and cheap too. In the first month, there is 50% discount which I paid.

This is the limited time offer, especially the free cpanel which is going to be no more at this URL

Web site for this hosting company is as I move from reseller shared hosting server located from Singapore to US VPS.

Downgrade from VPS to reseller hosting plan.

Now I been using web hosting reseller plan but location is in Singapore. Last time is using KVM VPS server which is much faster but host in US. There is a saving of over S$40 Singapore dollars as compare now paying US$10.98 to US$44.99 last time monthly. Since my sites are using word press not so resource hungry, this is a good option to me to save. My uploaded video works well too by using a video converter from my PC to just upload. For the VPN access, I looking for a better solution rather than to use my KVM VPS.

Scherzo in F ABRSM piano exam piece abrsm grade 4 A2 2013-2014

Wasn’t playing too well but tried the best, just sold off digital piano for 1K played on this old piano near 30 plus to 40 years Yamaha U3 brought in 14 Feb 2015 at 2.3K Singapore dollars.

I now under debt repayment scheme (DRS)

Due to overspending of credit card and line and pay min amount, I am now under this scheme for 5 years to pay off all outstanding amount which is about 89.7k Singapore dollars which bear zero interest rate. The annual membership fee is about $300 for first and second year, S$350 for year 3 to 5 maximum. Before this plan come in, I need to file a bankruptcy which cost over 1.8k to file and swear an oath in high court unable to pay the debt need to apply for DRS plan. So I engage an consultant to pay S$2950 include 1.8k which the remaining are the service fee they charged. Before the DRS approval, I have to pay assessment fee of S$350 and review fee of S$250.

The installment plan are 57 months 1.5k each month as there are condition like half of AWS bonus receive to be contributed to pay off the debt faster. If after assessment once my debt is over 100K Singapore dollars or does not prove to have regular income the DRS will not be eligible that will put be under bankrupt or I have to arrange payment plan with bank instead. Once I have a case, it is very hard to apply for any credit facilities with the bank for many years very long time.

I had been spending over 22K for sliming and facial, 12K on buying a piano, 4k plus on traditional natural treatment, 15K on gym and personal training. So add up like 53K, last year Dec, with interest rate of 24% on credit cards and some interest rate 18% on credit lines, I had been alone pay about S$1.3k interest per month to bank only, exclude any principal. If now I did not apply for DRS and interest rate is increase slightly, I will be paying at least 1.5K interest to bank alone exclude principal if always pay min since two years ago at start Apr 2013 where many credit card and line approved from many bank.

Lastly, my elder sister help me to pay 7K to one bank credit card and line which was canceled and demand full payment, and 3K to the consultant to apply DRS add up to 10k in last year Dec.

Updates of finding care group in new creation church Singapore

Since last Feb this year, I had been contacted the church care group ministry staff in charge and also send them a letter but till now I receive no outcome. I had this time just now send a letter to Pastor KE Mathews via courier and here what I wrote with attachment of previous letter and print out of my NOAH ministry profile online:

Hi Pastor Mathews

Please see attached. I had contacted the church care group ministry and also written to them but I did not receive any outcome in regards of what I have requested to visit another care group. I treat it as your church is unable to find me another care group to visit to with effect from now. Since you are the pastor in charge of the north zone care group, I currently have no care group to attend to in your church right now. I will have to leave your church now to find another church where there is cell group to attend. This letter is written for your info and my sharing.


Remembering Lee Kuan Yew 1923-2015

11072497_951926721514444_2252936457534746615_oSource: Photo from Mrs Lee Kuan Yew’s collection, taken from Lee Hsien Loong

Lee Kuan Yew First Prime Minister of Singapore had passed away in Monday 23 Mar 2015 0318H Singapore Time GMT8+

From this I had been thinking about few days to write Condolence and here is what I going to say in my blog and maybe post in my facebook.

“Hi Mr Lee, you had really run a Good RACE, building this nation not by any kind of unmerited favor, give more receive more or simply resting for increasing from any of this easy talk or teaching by others. This is what GRACE is which I really believe in. With  you, we all now have Good life a safe country place to live in, Good Education, Good Housing,  Good job with good and stable income. Hope you are fully perfect now and we will remember you always.”

Maybe later I going to Yishun nearest People’s Association community tribute to pay respect by just bowing down and write Condolence if there is chances there instead of parliament house.

How new creation church Singapore treat it’s members where finding a care group to visit.

I had just send out a letter to a church. I been attending care group but wish to change due to over crowded too many people come to a house, to look for a smaller group where the member are committed and effective minister to one and another. It will be hard and pray that close to my home there will be one.

Currently my care group I believe some people are not attending regularly as the church want me to attend regularly at all times. But even others are attending at all times if they failed to take down some notes in services when coming to care group they are not able to share what preacher preach which is what the church staff admin in charge of care group want before they could allow me to visit a care group. Some are attending very regularly but I may afraid they sleep in services so this may not be counting as attending a service. Some share a lot but went out of point of what we want to share in context with preacher on Sunday does. This letter is send out by courier and they should be receiving on Monday morning.

I understand from the church that I was refused by the church to join other care group ministry, had been calling church office main line but left my number and name with a staff so that they could call me back soon in the morning 9am 27 Feb 2015. Later at 10.30am I call to church direct care group ministry hotline and she told me that the church cannot recommend me a care group to attend as I did register my interest with noah online web sites.

After that night I attended care group asking the leader what did she told the church that I let her know why can’t the church recommend other care group for me to go. She told me that she told the church that I was settled down in another church. I ask her permission if I attend other church am I able to come her care group she said can. She thinks that this could be the reason and asking me if I still attending this church services regularly.

I said yes not always all the time regular as I have work in weekdays traveling time take me over 3 hours so always I out of house nearly 12 hours in a day. On Sunday I have piano lessons in the afternoon regular and sometimes later go vocal lessons so I am really burn out not to go church. Piano lessons on Saturday is full but I just paid exam fee for piano for coming July to Sep this year so need a lot of energy to reserve on Sunday for piano lessons so sometimes I will skip Sunday services. What I doing these does not put a good interest with your church and strong point to visit other care group, but I believe I will still give glory to God in piano and also my interest too. As such due to health issue, I need to gain enough rest, not to faint in service and church will send me to hospital due to that. And my whole family will put blame on your church if they know I need to Sunday services regularly at all times to feed the word of god so that I am allowed by the church to attend any care group of yours. Since care group now only in Friday night once to twice a month if I could attend well and worship share god words well why not the church stopping me?

I right now write this letter to you to show my unhappiness that your church treating a member like me to visit a care group. If the church thinks that I at risk then you can still refuse me visit care group. My care group leader cannot do anything to find other care group at most no care group for me since I left now.