Getting to know you gathering in Orchard Road @ Shaw House, basement food court.
Calling all Silverhairs Club ordinary members, newbies to meet, mingle, share our activities, joys, fun and laughter. Let’s enjoy the evening together!
Thank you.
EOs : Alice Tan & Christopher Tan.

The Mar mthly gathering was just over. Held at the Esplanade, unser the Helix bridge, the event went on very well. The weather was absolutely kind to all of us.

Alice, I am glad that there is tremendous show of fellow members getting together to get to know one another.

An Veron’s video is really fantastic. It captures the occasion very well. Under the open skies and Singapore’s most modern skyline, the singers sang and entertained fellow members.

So many helping hands. I thank the committee for the great show, the singers, the members who prepared the potluck, and the volunteers who picked up the lost sheep from the meeting point.

Share this video with your friends.

Terence Seah

Most seniors like us turn to low-impact exercises and cycling is one to stay healthy in old age. We don’t have to be a great athlete to enjoy a ride.

Benefits (just to name a few):-

• Indoor stationery or outdoor cycling improves balance and leg strength.
• Give us more strength and stamina over time.
• A great way to improve our mental health, is ideal for seniors who suffer from memory loss…
• Is FUN and great supports for socializing when done in Groups ~ a great way to meet new friends.

EO – Douglas Chan (joined since 2005), our cycling enthusiast will guide you along your every trip, be it SG or JB.

Join our Active Senior Cyclers – What’sApp 9489 4360

39 ARMENIAN STREET
SINGAPORE 179941

Just got an confirmation email from the Peranakan museum  with complimentary entry with English or chinese guided tour on Mid april to May 2023.

Perankan Lunch restaurant consist of 4 different sets of menu at $10++ exclude drink. I will reveal detail upon confirmation with the peranakan boss.

Here are some suggestions to enhance a silver hairs club.

1. Offer a variety of activities: Seniors enjoy a wide range of activities, from exercise classes to social events. Make sure to offer a variety of options to cater to everyone’s interests and abilities.  .
2. Create opportunities for socialization: Seniors often face social isolation, so it’s important to provide opportunities for them to connect with others. This could include coffee mornings, games, and group outings.
3. Provide education and learning opportunities: Many seniors are eager to continue learning and exploring new topics. Offer classes or lectures on subjects that interest them, such as history, art, or current events.
4. Incorporate technology: While not all seniors are tech-savvy, many are interested in learning more about technology. Provide classes or workshops on using smartphones, social media, or other digital tools.
5. Invite guest speakers: Bring in guest speakers to talk about topics of interest to seniors, such as health and wellness, retirement planning, or local history.
6. Offer volunteer opportunities: Seniors often have a wealth of experience and knowledge to share with others. Provide opportunities for them to volunteer in the community or within the club itself.
7. Create a welcoming environment: Make sure that all members feel welcome and included, regardless of their background or abilities. Encourage a sense of community and belonging by celebrating members’ birthdays and other milestones.

Item 4 and 6 are looking forward to enhance it – looking forward for more volunteer to leverage the task.

Managing personal finances is an important aspect of maintaining a stable and healthy lifestyle. It involves keeping track of expenses, creating budgets, and making informed financial decisions. There are two main types of expenses to consider when managing personal finances: fixed and variable expenses.

Fixed expenses are costs that remain the same each month, such as rent or mortgage payments, car payments, and insurance premiums. These expenses are essential and usually cannot be avoided. Fixed expenses are predictable and can be planned for in advance, making it easier to create a budget.

Variable expenses, on the other hand, are costs that can fluctuate from month to month. These expenses include things like groceries, entertainment, and travel. They are often discretionary expenses and can be adjusted based on your needs and priorities. It is important to monitor variable expenses carefully and make adjustments as necessary to avoid overspending.

When managing personal finances, it is essential to consider both fixed and variable expenses. By understanding the difference between the two types of expenses, you can create a budget that reflects your priorities and financial goals. This will help you to manage your money more effectively and avoid unnecessary debt.

For example, let’s consider a typical monthly budget that includes both fixed and variable expenses. Fixed expenses might include rent or mortgage payments, car payments, and insurance premiums. These expenses will likely add up to several hundred or even thousands of dollars each month. Variable expenses might include groceries, entertainment, and travel. These expenses can vary widely from month to month depending on your lifestyle and spending habits.

Suppose you have a monthly income of $3,000 and your fixed expenses amount to $1,500. This leaves you with $1,500 for variable expenses. You might allocate $400 for groceries, $200 for entertainment, $100 for travel, and so on. By creating a budget and tracking your expenses carefully, you can ensure that you are living within your means and avoiding unnecessary debt.

In conclusion, managing personal finances is a crucial skill that everyone should develop. Understanding the difference between fixed and variable expenses is essential for creating a budget that reflects your priorities and financial goals. By tracking your expenses carefully and making informed financial decisions, you can manage your money more effectively and avoid unnecessary debt.

Fixed expenses are those expenses that do not change or fluctuate with the level of activity or usage. They are typically recurring expenses that are paid on a regular basis, often monthly or annually. Examples of fixed expenses include rent, insurance premiums, loan payments, and subscription fees.

Variable expenses, on the other hand, are expenses that change based on the level of activity or usage. They tend to be more flexible and are not always recurring expenses. Examples of variable expenses include utilities, transportation costs, entertainment expenses, and groceries.

Part II : Here is an example of a list of fixed and variable expenses:

Fixed expenses:

• Rent/mortgage
• Property taxes
• Insurance premiums
• Loan payments (e.g., car loan, student loan)
• Membership fees (e.g., gym membership, professional association fees)
• Subscription fees (e.g., Netflix, Spotify)

Variable expenses:

• Utilities (e.g., electricity, gas, water)
• Transportation costs (e.g., gas, public transit fares)
• Entertainment expenses (e.g., dining out, movie tickets)
• Groceries
• Clothing and personal care expenses
• Home maintenance and repair expenses

It’s important to track both fixed and variable expenses to get a complete picture of your spending habits and to help you make informed financial decisions.

Part III : My budget from $1500 reduce to $549.17

Peranakan culture is a unique blend of Chinese and Malay traditions that has evolved over centuries in Southeast Asia. If we would like to preserve this rich cultural heritage, here are some simple efforts can take:

1. Learn about Peranakan culture: Educate yourself about the history, customs, and practices of the Peranakan community. Read books, watch documentaries, attend talks, and visit museums.
2. Cook Peranakan food: The cuisine is a significant part of the Peranakan culture. You can learn to cook traditional dishes and share them with your family and friends.
3. Use Peranakan-inspired decor: Incorporate Peranakan-inspired decor into your home. You can use traditional fabrics, ceramics, and furnishings.
4. Wear Peranakan-inspired clothing: Wear Peranakan-inspired clothing, such as sarongs, kebayas, and batik prints.
5. Attend Peranakan events: Attend Peranakan cultural events and festivals. You can learn more about the culture, meet members of the community, and support local artisans.
6. Support Peranakan businesses: Buy from Peranakan-owned businesses to support the community and help preserve their cultural heritage.
7. Share your knowledge: Share your knowledge and experiences with others. Educate your family, friends, and community about Peranakan culture and its significance.

Updates!!!
Hotel chosen : Ibis Bangkok Siam
Flight Details
26/03 SIN – BKK Scoot608 Depart 0700 Arriving 0830
29/03 BKK – SIN Scoot605 Depart 1455 Arriving 1820

Cost (Flight & Hotel) : $372.15/pax 
a) Based on twin sharing @ Ibis Hotel.  For 1 single, the cost is estimated at $496/pax.
b) Handcarry bag (7kg) only
c) 15kg Baggage, extra charge of $54 for both ways
d) Departing on the next morning timing, will be incurring another $17 extra/pax
e) You will need to get travel insurance individually which we can map out later

Both Pattiya and I are planning a F&E Bangkok Trip from March 26 – 29 2023. This trip will be done solely on own timing/agenda as well as going thru obstacles with public transport – BTS and MRT, buses and others.

Maximum to go : 16 fully paid members (inclusive of Pattiya and myself), we still go ahead even we dont have 16 members.

POIs intended to adventure are as follows:

1. Iconsiam- White Orchard River Cruise – Dinner Cruise
2. Leng Saap Restaurant – Strongly recommended by Pattiya for their speciality – Pork Ribs
3. Maeklong Railway Market (hope tht I got this place right) – interesting place whereby both train and market peddlars are using the same location giving way to each other whenever needed.  A POI that definitely a go.
4. As for night market, as there are too many locations these days so we will choose 1 once we confirmed the hotel that we intended to stay
5. Not forgetting spa and massages to look out for too.
6. For those interested for shopping – maybe can try if 1 can get Korean Hanbo for the coming SHC D&D – Good suggestions right…
7. For those keen of cafe hunting for coffees and cakes, there will be no short of these too.
8. Last but not least, night spots to enjoy before we headed home

For 4D/3N, the above POIs will keep us very busy, I am sure.

I will be checking on the airfare/hotel packages thru travel agent first as the last check for online booking for both airfare/hotels will be around $330/pax based on the twin sharing.  My personal preference will be if Travel Agent’s quote is only less more that $50+, we will go for travel agent’s arrangement.  Of course, I am not stopping those to go direct to book online but on 1 clause, try to get the same hotel to save time

I would also like to advise for those going for this trip that have not taken 4th jab, to go for flu jab for protection.

Members going:
1) Pattiya
2) Dolly Lim
3) Alan Ang
4) Cheng WK
5) Terry Chun
6) Lim HP
7) Lawrence
CLOSED…

Hi,

Anyone interested pl PM asap.

1. Non members pay $90 for dinner n music on 3rd Feb. at the Changi beach club.

This is posted on behalf of Alice Tan – EO for Newbies Meet-up

Hear the calling, Yes, yes, you did not heard wrongly.

Calling all newbies, let’s gather at Shaw Centre on 16/01/2023, Monday from 6 pm to 9pm to have dinner and chat. Let’s enjoy and have a wonderful evening together.

EO : Alice Tan

Going hatyai on 7th Jan..
love to have 3 others to rent a car for 3 days and move around Songkla.
I am very familiar. If we share common interest pl pm me.
Hike, tennis, massage, eat, drink listen to music, sightseeing n know places for you to shop till you dropped.
3 nights.

Hi,

Anyone interested page me.

Cost include:

$845 for single room/$645 for double to a room . Include airline tickets Singapore to Hatyai (hdy), Hdy to Phuket (hkt) and HKt to Sin on budget airlines. You have to purchase it yourself. Will give timings later.

Van transport for 6 days.

4 star hotel for 5 Nights.

A tour guide for HKT..

Based on 7 persons. I need a treasurer . Kee Chiew please.

Like what I do, buy me a single malt whisky for hdy n hkt.. really really like buy me a peated single malt when back..

You suggest places of interest n I ll include it in the itinerary.

Will form a Wats app group once we have enough people .

6th to 11th Feb
transport itinerary
6th Feb Sin hatyai by scoot
8th Feb Van transport to phuket
11th Feb Phuket Sin by budget airlines
getting quotes now from agent for hotel/ transport/tourist site.
Details will follow.
Any suggestion welcome.

BATU PAHAT HIKE : PERDANA HILL
12-13 December 2022
Stay 1 night @ Batu Pahat
Details, please join Weng’s groupchat at 9169-9348

https://www.facebook.com/613633346/videos/828060288470028/

EXTRA !!!! EXTRA !!!!

I am sure that everyone know who is she – yes yes..super active 1) will bring her love of gift  for every members attending this event.
It’s a lab product (HSA Approved) soap which can help to reduce freckles , fairer skin , smooth skin and for Eczema problems too. The gift is in smaller heart shape , made by my 2 partners (both are retired Dr) Hope everyone like it. Click on the below AM Soap to see more info ya… Thank you for the kind generosity
AM Soap
Dear All,
Y2022 coming to the end and we will be organising our last monthly gathering for Y2022 with joyous theme for Xmas. Come dressed up in Red/Green/White or better still, as Santa Claus or others… Details as follows:
Date: 18 December 2022 (Sunday)
Time: 12noon – 5.00pm
Venue: Artbites Cafe, TRCC Republic Poly
All new and old members from different interest groups eg dancing, crafts, walking, cooking, gardening, cycling, travel, Batam, Thailand, JB and makan.
Venue Artbites Cafe, a cosy cafe, right in the relaxed setting of TRCC Republic Polytechnic.
MRT: Woodlands MRT, followed by Bus# 169 from Woodlands Interchange and alight at 2nd bus stop.
Western Menu – Food certified halal as listed
– salad
– french onion soup
– mala pasta
– chicken chunk
– garlic butter prawn
– broccoli w oyster sauce
– fish & chip
– potato curry puff
– mini cake
– cut fruit
– coffee/ tea
– jug of Water
Extras : Xmas log cake
Strictly no outside food is allowed to bring into the Cafe also
No liquor and/or beers are allowed too
Price: $ 25 nett / pax, payable to Treasurer Dolly Lim.
Paynow 9815 9363.
Limited seating : 80 first registered/first paid SHC Ordinary members only
Refund if cancelled before 10th December 2022. Seat will be given to next on waiting list.
Volunteers super required to the committees, kindly whatsapp
EO – Mia – 89388253
Co-EO -Joanne – 93697268
Highlights:
1) Gift exchanges among the members tagged a minimum $5.00 (own expense)
2) Ice breaker games : Anyone games to do this?
More to add ons to be list… Any one keen to help out, let us know your program, we will defnitely get back to you..
Come to register early and enjoy the fun of Xmas…. Cheers… Organising Committes
Registered and Paid
1) Mia Cheong – EO (19/11)
2) Joanne Khoo – Co-EO (19/11)
3) Stewart Chu 19/11
4) Emily Woo 20/11
5) Joy Tang 20/11
6) Margaret Wong – 20/11
7) Yvonne Loo 20/11
8) Rosalind Choon 20/11
9) KC Loh 20/11
10) Vincci Lee 20/11
11) Maggie Loh 20/11
12) Gingko Tay 20/11
13) Katherine Wong – 20/11
14) Ivy Lim 20/11
15) Caroline Gee 20/11
16) Dolly Lim 20/11
17) Calvin Chow 20/11
18) Iris Lim 20/11
19) Vincent Hee 20/11
20) Aminah Bee 21/11
21) Sandra Chuah 21/11
22) Henry Cheong 21/11
23) Katherine Yap 21/1
24) William Heng 21/11
25) Maureen Lee 21/11
26) Susan Shiu 22/12
27) Irene Ng 22/11
28) Pattiya 22/11
29) Jean Kwek 23/11
30) Yew Kwong 24/11
31) Joan Ang 24/11
32) Frank Poh 24/11
33) Joanna Lee 24/11
34) Sue ChanWN 25/11
35) Dorothy Loh 25/11*
36) Terence Seah 25/11
37) Jean Lim 25/11
38) Aunty Miao 25/11
39) Thomas Loh 25/11
40) Helen Chiew 26/11
41) Lydia Poh 26/11
42) Jerry Han 26/11
43) Joyce Bong 26/11
44) Peggy Goh 26/11
45) Eileen Tan 26/11
46) Daisy Phua 26/11
47) Fong WC 27/11
48) Sindhu Missy 27/11
49) Jessie Ong 27/11
50) Doris Tang 27/11
51) Jasmine Wong 27/11
52) Christina Chan 28/11
53) Sarene Teo 28/11
54) Leon Lau 28/11
55) Amy GraceNg 28/11
56) Michael Woodworth 28/11
57) Loh KM 28/11
58) Cola Tan 28/11
59) Julie Khoo 28/11
60) Teresa Tng 29/11
61) Frederick Hu 29/11
62) Marie Chong 29/11
63) Pauline Soh 30/11
64) Hilda Lim 30/11
65) Florence Ching 30/11
66) Chan Nai San 30/11
67) Teo Tian Boo 2/12
68) Christina Quek 2/12
69) Koh Chai Hoon 2/12
70) Audrey Ang 2/12
71) Betty Liang 2/12
72) Winnie Tan 4/12
73) Lawrence Lee 4/12
74) Jessie Khor 4/12
75) James Tan CL 4/12
76) Angela Chia 5/12
77) Marilyn Koh 5/12
78) Jennifer Kan 5/12
79) Vincent Siew 6/12
80) Sheema Conde 10/12
FULL AND REGISTRATION CLOSED

From time to time, I like to introduce members of the club, so we get to know them better. Jasmine jpined SHC in 2021.

JasmineW
Professionally, Jasmine plays the roles of both a Real Estate Agent and a Tourist Guide. Both professions are closely related – she conducts relocation tours to help visitors become familiar with Singapore, focusing on helping potential migrants orientate and settle down.

She handles tours like HDB Heartland Tour, Urban Planning Tour, Chinatown Historic District Tour and Rediscover Marina Bay Tour all serve to give visitors an appreciation of the essence of living in Singapore.

Pastime, she loves playing harmonica and doing craft.

Jasmine used to run a 24 hour internet cafe and an art & craft retail outlet in different locations. She has since given up on all the brick and mortar stores and operate only an online art & craft store.

She also enjoys a variety of activities on a weekly basis, e.g. walking, swimming and cycling. Likes making new friends and enjoy interesting conversations sharing life experiences. These different businesses, activities and people make her life, a colourful mould.

Jasmine volunteers in a number of Silverhairsclub activities.

Terence Seah

The 4D3N SHC Genting trip 22-25 September 2022 is confirmed and finalized.  We have a total of 19 participants .  The names of the participants are as follows :-

1. Sherry Wong
2. Susan Sia
3. Ng Bee Gek
4. Wendy Wee
5. Ng Bee Lian
6. Choo Liang Joo
7. Celine Ng
8. Birdy Loh
9. May Peh
10. Shirley Ngun
11. Ng Fook Weng
12. Bobby Bok
13. Serene Tan
14. Lim Choon Seng
15. Francis Rajaratnan
16. Jane Wong
17. Aminah Bee
18. Lim Eileen
19. Nancy Lim

Many thanks to Terence for organizing this trip.  We are disappointed that he is unable to join us due to his dialysis issue. I also like to thank all participants for their kind support for making this trip a Success.  Looking forward for a fun and enjoyable holidays with all of you.!!

Thank you ,

Sherry Wong

Maria Boey uses different tel to join SHC. Upon 1st approval, she contacted various members to join her investment schemes, as much as 50,000. She uses other tel numbers for her investment reach.

Upon meeting members, she invites them for dinners.

She is banned from SHC. Members seeing her at any club activity, plse contacted me 9489 4360, in confidence.

Terence Seah

Queen Elizabeth II has passed away. A Queen whom many of us know during our lifetime.

Some of us have been “to London to see the Queen”. And  I think everyone of us have memories of the Queen.

There will be no more Queen who has lived this long.  Lets share our memories of Queen Elizabeth II. When have you seen her?

Hello Fellow SHC members old n new,

My name is Leon and have been a SHC member for more than 10 years. The purpose of my posting today is to bring to your awareness of a nation wide campaign of a collaboration between Abbott Laboratories and Diabetes Association Singapore. I am one of the appointed ambassador/promoter of this campaign. This campaign is also announced in CNA news 2 weeks ago.

https://cnalifestyle.channelnewsasia.com/wellness/diabetes-blood-sugar-levels-wearable-glucose-monitor-no-prick-326531?cid=internal_sharetool_androidphone_31082022_cna .

They are introducing a revolutionary CGM ( Continuous Glucose Monitoring)program with a medical sensor that no longer required blood sampling and is painless. The first step to manage diabetes is is to monitor your blood glucose level and then manage it with diet and medication. Many diabetic person don’t do the blood sampling testing for fear of the needles and the hassle. In fact I observe many patient take a indifferent attitude towards their diabetic condition. Currently doctors prescribe medications that need you to take after every meal. Medication have side effects. With this program, you can manage your diabetes with diet first and then medication if necessary. This device is given free to all diabetes patients during this campaign period upon successful registration.

I urge all suffering diabetic persons to take the opportunity to participate in the program. The link to register is in the article near to the end. Diabetes is sometimes called the Mother of all diseases with its linkage to a host of future medical problems (blindness, amputation, kidney failure,etc) if it is not managed well. The campaign is for a limited period only ending in October.

So please don’t hesitate or proscratinate. Submit your registration now.

Thank you for your attention.

Leon Lau