About 80% of Singaporeans live in HDB flats on 99 year lease. Many of us fall within this category, and we can read in the media that many Singaporeans and PRs are concerned about the remaining lease years.
Concerns include passing over to the next generation, ability to buy a used HDB flat when the balance lease is 40 – 60 years. Understanding the HDB flat is an asset and what 99 years lease means to retirees downsizing.
Let’s say our HDB flat has 40 years left, what can we do with these 40 years?
Let’s discuss, so that most of us can have a better understanding of this topic and it’s implication.
The Ministry of Health has announced a new long term care insurance to be launched in 2020.
SilverHairsClub has a discussion group starting 26 Feb 2018 for members on CPF life, Medishield and Eldershield. The group discussion is now closed.
The new Whatsapp Careshield discussion starts 15 June 2018. This topic will end 15 Aug 2018. To participate, please register with whatsapp +65 9489 4360 with the msg “Careshield”. Registration closes 12 June 2018.
1. Strictly for SilverHairsClub members only. Participants are required to introduce your name and interest.
2. No URL, video clips, pictures.
3. No copy and paste.
4. Screenshots allowed.
5. No unrelated topic, except eldershield, medishield. A star * will be given for unrelated topic. A second star * means automatic exit.
Place : One Raffles Place @Food Junction at 5 Level Time : 1300 to 1500 hr Date : 9th Jun 2018 MRT : Raffles Mrt or Clark Quay Mrt
link : www.onerafflesplace.com.sg/
* Terence will be there !
There will be few events for group discussion on the following topic :
1. Makan Group 2. SHC logo patches registration 3. HDB flats on 99 year lease 4. Whatsapp Careshield discussion 5. Tour Group
Hope to see members to register.
Pls pardon me for my slow in process due to my commitment in full time courses until July and also my first time EO. Kindly be kind and give chance to forgive my short fall.
1. Howard 2. Stella 3. Peter Ong 4. Peter Ong wife 5. Angie Ng 6. charles wee 7. Adeline TAN 8. Daisy Phua 9. Tony Ang 10.Thomas Goh 11.Gabriella Chua 12.Hew Lee 13.Bernie 14.Steven Chan 15.Terence 16.Cheng Whye Kee 17.Ronald Tay 18.Winnie Ng 19.Caroline Gee 20.Dolly Lim 21.Sha Mo 22.Alan Ang 23.Suzie Lim 24.Christine Teo 25.Roland Wee 26.K H Leong
12 pax have confirmed flights for this trip. Once 20 pax is reached, we will stop. Hotel and transport will be confirmed for 20 pax only. As this is peak season in view of beautiful weather, please whatsapp +65 9489 4360 to participate in discussion.
* * * * * * *
This year, Loi Krothong is celebrated on the 23th Nov 2018 which is the full moon of the 12th Thai month.
The travel period will be 10D9N, with Loi Khrothong included. This date is very romantic, and the plan is to celebrate the occasion in Chiangrai. Participants will get to loi a floating Krothong along the river and watching it float away. There will be fire crackers, fireworks, floating upwards lighted lanterns and a Loi Khrothing dinner. I hope members will be able to dress traditional thai costumes during the evening.
Our trip will start from Chiangmai city 1N, then up to Chiangrai, the Golden Triangle, cross the Laos border and back to Chiangmai city. We are planning to go to Doi Angkhang and Doi Mae Salong. An overnight in a tent is also in plan plus a cross over the border to Laos.
The rainy season is over, and weather is cool. Beautiful sceneries, mists and clear skies. This period is the most romantic time of the year in Thailand. Nov is also the beginning of the peak seasons. No school holidays.
Guys and gals are encouraged to come join this trip which also aims to help you evaluate living in Chiangmai, Chiangrai and Northern Thailand.
All participants will buy their own return airtickets. You may arrive on 20 Nov in Chiangmai. We spend the 1st night in Chiangmai. You will book your 1st night.
From 21 Nov, everything else will be booked as a group. We stay in Chiangmai on the 28 Nov and leave CNX on 29 Nov. Those who wish to stay later, fine.
I hope this trip will bring members closer together and getting to know new and more friends. Strictly for SHC members only.
If you are interested to join this trip, please indicate your interest here. There will be an early bird pricing, which will be announced mid Aug. Good to find your room mate now.
To participate, whatsapp SHC Chiangmai Nov to +65 9489 4360.
This is an EC activity. Bring your adult friends who are over 45!
Join us for an enjoyable morning hike when the humidity is less intense!
Terrain is easy to moderate.
Towering trees and rather thick foliage along the trail provides shade,
Expect occasional gradual uphill slopes and downhilling that might give your calf
muscle a good stretch at the end of the walk.
Drinking water to keep hydrated; covered walking shoes, umbrella (raincoat
might be warm in the forested areas) and insect repellent.
Walk Team: Charles Wee, Veronica Wong, Mary Tan, Azhari Cuttilan,
Linda Chua and I, ChristinA Chan…. signing off
Interested to venture into the forest? Register soonest!
Interested to venture into the forest? Register soonest!
1. Linda Chua
3. Jenny L
4. Lydia P (withdrawn)
5. Tony A
6. Winnie T
7. Peter Goh
8. Stella S
9. Doris T
10. Graham S
11. Grace Kang
12. Bernie C
13. Margaret S
14. Phyllis T
15. Lilian K
16. Lydia S
17. Peggy Y
18. Arthur Y
19. Irene C
20. Yoon Chin
21. Azhari C
22. Ron T
We can have the May monthly gathering if a member raises his/her hand to be the EO. I won’t be available in May and June 2018.
If you have not been an Event Organiser for the monthly gathering, plse give it a good, as all members are expected to organise at least one event for the club.
One option is SilverHairsClub invites outside organisers to handle the monthly gathering. I would assume there will be an organising fee, if we are unable to organise the event ourselves. I hope members would make effort to be an EO, as the Club has expenses, and this is one way to keep the club going. We would therefore no need to hire external organisers.
The 3rd evaluation trip will be based in Chiangmai city. This trip will focus on moving around CM city, plus an overnight trip to a town, 1 hr from the city.
This trip caters to city dwellers, as is preferred by Singaporeans. CM city has almost all the facilities and entertainmentof a modern city. Participants get to experience local thai transport. For those adverturous, you can team up in groups of 4 to rent a car to drive around, or a scooter in groups of two to venture into the old city.
For common areas where we go togather, we will use public transport. Basically the Song Thaew which is a pick-up with two rows facing one another. Each ride costing 15-20 baht within the city.
Participants will get to book and stay in a hotel. You can choose your own hotel. Ideally in groups of two or four. Participants will have to book their own airtickets.
The first group to form will get to choose the dates, about 7 nights. Scoot and Silkair flies to CM regularly. Plse check for special promotions.
Those who are interested to join this trip, plse whatsapp +65 9489 4360 to join the group discussion.
SilverHairsClub is planning to have a day trip to Batam, followed by an event D&D at a Batam venue, and returning to Singapore the next day.
The event is likely to be on a Sat/Sun, in June 2018. A few members are assisting with the thinking and planning process. If you like to join the committee, plse whatsapp me +65 9489 4360.
We will leave Sat morning from Harbourfront. Have lunch somewhere, enjoy Batam and returning to the overnight venue. Our D&D starts at 6pm, knocking off to bed late into the night, have our breakfast at the hotel, before catching our ferry back to Singapore.
Options are open for now. We can opt for an organised tour which include the hotel stay or our own free and easy.
If you have a firmed suggestion, do let me know. Preference given to suggestions if you have taken the tour and stayed in the hotel. We shall close suggestions on 9 May 2018. Event will be held in June, and confirmed once we have decided options available. Let’s have a non-tradition idea.
Perth is 5 flying hours from Singapore. Time wise, we are in the same time zone, +8 hrs GMT. And One SGD is about one AUD.
Scoot, SIA, Jetstar and Quantas fly regularly to Perth. Perth city is small in size, compared to Singapore.
Like most tourists, Singaporeans can get a 1 year tourist visa, multiple entry and 3-mths at one stay. I hear that we can even get a 3 or 6 year extended visa. Got to check.
Many Singaporeans settle down in Perth, not necessary in the city but in many suburbs south of Perth. Connected by fast timely trains and highways, one gets to travel into the city within 30 mins. Unlikely muti storey shopping centres, Aussie malls are generally ground or low level. Due to space availability, car parks are huge, and very often, one gets to park for free. How much do we have to pay for a car? SGD 4000 for a 2nd hand car or SGD 99,000 for a new car.
How are living prices in Perth? What’s it like to live in a house? Or should one settle for an apartment instead, just like many of us are used to? How much does it cost to buy a house or an apartment? SGD 450K or SGD 1.5 m for a 1,500 sq m space.
Food. How is eating out, or cooked in? What are prices like? Is it easy to get Asian food? What about service charges? How much does pork or chicken cost? What about vegetables, milk, fish, apples and mangoes? Will I feel at home? Afterall, we have live in Singapore for more than 50 years, with Cold Storage, NTU Fairprice, Seng Siong and our local grocery shop.
Friends. Easy to find friends and make friends? Where are they? One can tell how many Singaporeans live in Perth by chatting with the passengers on Scoot or Singapore airlines. We can also tell when there is a Singapore National Day gathering.
Health and Medical. As a citizen or PR, how are medical facilities and health costs? Oops, we are retiring tourist. How long does one have to wait to see a doctor? What is it like to see a doctor, a dentist or a pharmacist? Where are the hospitals? Private and Govt.
Seasons. How are the summers and the winters? How extreme can the weather get? Can we as retirees take the weather? Oh, my bones ache and my joints may go stiff. Or is it always hot, steamy and rainy? Does it snow?
Life must be more interesting. What about entertainment? What time do shops open and close? Do shops open on Sat and Sun? Heard that fishing, crabbing and picking abalones are fun activities. Are there bars, dancing places and restaurants that close at midnight? Or do they close at 6pm only? Anyway to get a massage for SGD 30 per hour? Cinemas, karaoke rooms and bowling alleys, are they easily available? What about open markets and Sunday Fleamarts? Hmm, got Korean or Taiwanese movies, or Singapore Ch 5, 8 or CNA, or not?
Space and fresh air. Australia is big. Australia is not Perth. There is Sydney, Melbourne, Tasmania, Adelaide, and many more cities. What’s there to do? Farm stays, passion fruit picking, grapes and vineyards, kangaroos, whales, dolphins and sharks. Can we truly see a million stars at night or is there haze at times? Can we engaged in sports?
Many Singaporean retirees travel to Perth each year. This include a number of SilverHairsClub members who live in Perth. What is it like to live in Perth? Or in any other city. Share your thoughts and comments.
Meeting Place: Blk 7 Empress Road Market/Hawker Centre, off Farrer Road
(not Farrer Park).
Get to Meeting Place:
1) Nearest MRT-CircleLine CC20 Farrer Road MRT, Exit B, walk “against
traffic flow” along Farrer Rd to Blk 7, approx 6/7mins walk
2) by Bus – available along both sides of Farrer Road: 48, 93, 153, 165, 174,
186, 855 and 961.
EC: ChristinA Chan.
The water PipeLine Rambles are a series of 4 treks introduced in 2008.
WPLR 2 and WPLR 3 are my favorite treks.
1st WPLR 2 was on 2nd August 2008 & then on 09March 2013, 5 years ago.
IF you have not been on this WPLR, you will not wanna miss it!
IF you have done this before, I reckon you are not able to recall and will
not want to miss it either!
This interesting trek with lush greenery all the way is not “our norm walk in the park”.
The terrain is undulating, as we trek up & down slopes, the route is mostly off the
The trail is exploratory and you can add some excitement if you so wish,
** get onto & walk on a large pipe OR
** slide down another OR
** test of strength…. challenge your Hand Power, heave oneself up a 4-feet
wall (if the wall is still there).
Let me assure you that the challenges are not as daunting as it seems ….
The walk shall end likely somewhere at Sixth Avenue where a variety of cuisine awaits!
Covered walking shoes that would not skid is highly recommended, but not new shoes as some parts might be sloshy.
IF you do not wish your legs to itch, come in long pants, longer socks & insects repellent; walk light with only the necessities.
Our Walk Team ECs: Charles Wee, Veronica Wong, Mary Tan, Azhari Cuttilan, Linda Chua and I, ChristinA Chan,,,,, signing off!
Do bear with me should we wander off course as I have no time to recce the entire trail,
COME! LET’S RAMBLE TOGETHER! 😀
2. Stella Sheng
3. Steven Chan
4. Andrew Koh
5. Yoon Chin
6. Jenny Lim
7. Doris Tan &
8. Graham Smith
9. Ronald Lam
10. Christina Pan
11. Janis Han
12. Phyllis Tan
13. Lillian Teo
14. Arthur &
15. Peggy Yap
16. Lydia Soh
i am planning a day outing in JB .Have replace my MPV to 7 passengers seat.
date of EC event is on 12 april 2018 . ( thusrsday )
time 0830hrs . meet at karnjil MRT Station control room .
we will use d public bas either SBS 170 or d yellow bas causeway cw 1 which ever come first ! once we all cross over JB , i will pick my car about 15 minutes walk , while u all hang around city square shopping mall crowded with sporean !! hahahaha
Cost RM 500 for more than 12 hours driving around in JB . IT FIXED per car regardless of 1 or 7 passengers. we will whack d latest shopping mall in tampoi & if majority love bak kut teh , will eat llor !! much better than in town & much cheaper too !! best is they sell fresh steam fish , not many outlet have it !!
BY 1700hrs ,if again majority like 2 experince BBQ coconut we will hit . it will be 40 minutes drive if not then we whack d orang asli seafood center not in kg jawa whch have 3 seasfood resturant swarmed by many sporean & tour bas . worst is not cheap compare to experince in perling ya !! also to those who love to buy ubat medicine in pharmacy , much cheaper compare to city ya .
we can have massage for those who love it ! hair , manqiue or whatever during d day time !! watch out for d next trip in Desaru ya ! have fire crackers ,if anyone is game for it FREE YA,,,
cheers & be good ya !!
Bro Sam What APP ME @ +600170666056 OR DROP A LINE in here ya !!
hahahahahaha a india trained & qualified laughter yoga teacher !
From feedback over the last 12 years in SHC, I would summarised that more than 99% of retirees finally prefer to settle down in Singapore, instead of going to Malaysia, Thailand, China or Indonesia. For many Singapore is home; Family is here, it is a safe country, and we have excellent medical facilities. Going overseas is more a holiday. And we communicate in English and Chinese.
However, there is a 1% that would still consider living overseas, for various reasons.
We started the topic of short term retirement, and I realise that many felt it is not as low cost as some of us would have thought. So, come the next question. If I plan to spend SGD XXX per mth, where do I get the money from? how do I fund my overseas stay.
Yes, for the 1%, you are welcome to join the SHC WhatsApp discussion on “How to fund our retirement overseas?
Simply, WhatsApp to +65 9489 4360 and msg “How to find our retirement?”. Closing date 15 Apr 2018.
We shall start on 17 Apr 2018.
Strict rules apply. no URL, no video. only screen shots allowed. This is discussion and text communication. And no personal attacks on anyone.
The SHC WhatsApp group on CPF Life, MediXXC and health insurance has 49 participants. The top topics are CPF payouts, MediXXX and Health insurance. Other topics are CPF Life payouts, retirement acct and related retirement costs.
As these are important topics for many of us, and I would like to organise a live session for us to share information, ask Questions and hear what other members have to say about these topics.
Plse note this is a member sharing activity. You are advised to contact CPF directly for the information you require.
The WhatsApp discussion is excellent, as it has allowed members to share with one and all. This will continue and you are invited to join. We shall taken in new participants until closing date 15 Apr 2018.
The live discussion will be 3 hrs. One hour for speakers, one hour for Q&A and one hour for group discussions.
The date and time is now fixed as follows:
Date: Sat 28 Apr 2018.
Time: 2.30 – 5.30pm
Venue: 78 Shenton Way, Spore 079120. Behind M Hotel. Nearest MRT Tanjung Pagar. 31st floor. Use of place, complementary from member Raymond Wong.
A security pass will be required to enter the building.
A projector is provided for speakers and USB presentation
No food is provided. Only drinks.
Cost: SGD 4.50. Payment to POSB Savings 542-10756-1, Treasurer Christina Chan.
If you would like to speak on a topic, you have 15 mins. Please contact Terence Seah with topic briefs at WhatsApp +65 94894360.
For those unable to attend this session, feel free to continue to join the Whatsapp discussion which is ongoing.
This event is strictly for SHC members. Closing date for registration: 17 Apr 2018.
We are at the thinking and planning stage for our April monthly gathering. Some ideas include holding the event at West Singapore or North Singapore. We could hold it on a weekday in the evening, to cater to working members. This may mean the CBD. We could add a talk or topic. We may even be able to hold the event in your office or factory.
But, important is to find a suitable location, near a MRT station. It is always good to have flexible F&B, rather than a fixed menu. We should keep costs low.
Most members can respond their participation, if we give 10 days notice. Lets keep our options open. I look forward to hear your ideas and suggestions. Closing date for feedback: 1 Apr 2018.
SHC is taking one more step to expand its membership. Through Meetup, we are looking at new members, as young as 45. Membership is free; and the same club rules apply. All applicants for SHC membership will go through our normal procedures.
Currently, we have Andrew Koh leading and managing the SHC facebook channel. Before the end of 2018, I shall be looking out for one or two members to head the SHC meetup channel meetup.com/SilverHairsClub-Singapore/.