nsrcc photography contest winner may-june11.pdf · tan sze wah, looi wan hui, tay siak meng...

May | June 2011A bi-monthly publication by National Service Resort & Country Club

NSRCC PhotographyContest Winner

NSRCC(280x216mm)_FA.ai 4/4/11 6:17:28 PM

contents

CERT No. 97-2-0717SS ISO 9001: 2000

MAY | JUN 2011

is published bi-monthly byNational Service Resort & Country Club10 Changi Coast Walk, Singapore 499739Tel: 6542 8288 Fax: 6545 6508MICA (P) No. 117/11/2010

Email [email protected]

Honorary EditorLaurence Goh

The views and comments in this magazine may not necessarily represent that of the NSRCC management. No part of this magazine may be reproduced without prior written permission from NSRCC. All correspondences should beaddressed to the Editor, RESORT VIEW.

Editorial TeamTan Sze Wah, Looi Wan Hui, Tay Siak Meng William, Chu Cho Wah, John Low, Monica Cheang, Stanley Ho, Goh Ying Ying, Shila Syarianti and Phoebe Cheong

Designed & Printed bySemco Design Communications Pte Ltd

On the cover: ‘Dusk’ by Member Anthony See is the winning photo of the recent NSRCC Photo Contest

updates4 Golfer’sInsurance

17thMixedInter-ClubBowlingMixed

League

SAFRAResortBowl-LaneUpgrading

Rescheduled

5 VoyagedelaVie

6 SingaporeDiscoveryCentre

GoGreen

seen & heard7 ThankYouForParticipatingInEarthHour

8 Captain’sCup2011

front page10 ‘FondMemoriesofNSRCC’PhotographyContest

2011

live well, eat well

12 GoodDebtvsBadDebt

on par14 CharityGolf2011

16 SandBunkers–LearnToLoveEm!

18 NSRCC-ClearwaterSanctuaryGolfResortInter-

ClubGolfFriendly

Hole-In-OneAchievements

19 InternationalWomen’sDay2011

upcoming events & promos20 Kids’Craft“JewelleryMaking”

Workshop

Kids’RoboticWorkshop–“Dungeon

HunterWits&ScienceQuest”

21 SocialEtiquette

AnnualJuniorTennisTournament

22 14thAnnualSwimmingCarnival

2011

23 NSRCCSeaSportsCentre–

ConstantWind

24 TheLaserTagBattleChallenge

BellyViewCafe

25 Chit’sBar&Restaurant

in every issue2 OfficeBearers

AtYourService

3 TheEditorSpeaks

30 CalendarOfEvents

28 AffiliatedClubs

29 FacilitiesDirectory

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GENERAL MANAGERDennis Ng Soon [email protected]

MANAGERSKranji SanctuaryChu Cho [email protected]

Golf DivisionJohn [email protected]

FacilitiesDavid [email protected]

Course MaintenanceJames Sua, [email protected]

ResortStanley [email protected]

Marketing, Membership & CommunicationMonica [email protected]

FinanceJoanne [email protected]

HR & TrainingJoey [email protected]

[email protected]

Accounts AssistantTan Boo Kian 6540 8588(Payment & Statement of Accounts Enquiries)

[email protected]

Senior Executive (Membership)Tan Ei Kheng 6540 8552

Membership Service OfficersAizah Ibrahim 6543 5732Siti Aishah 6540 8555

Corporate [email protected] Executive (Corporate Comm)Goh Ying Ying 6540 8550

Asst Executive(Corporate Comm)Shila Syarianti 6540 8556Phoebe Cheong 6540 8557

[email protected]

Senior Executive (Golf)Vincent Pereira 6540 8547

Executive (Golf)Derrick Tay 6540 8546

Asst Executives (Golf)Ong Eng Peng 6540 8544Nasarudin Ismaon 6540 8545

Asst Executive (Driving Range)Hadi Putra 6543 1726

SPORTS/RECREATIONsports&[email protected]

Senior Asst Executive (Resort)Juhainiemasra 6540 8564

Asst Executive (Resort)Airene Tan 6540 8563

SAFRA RESORT [email protected]

Executive (Resort)Dennis Chew 6540 8567

CORPORATE/PRIVATE [email protected]

Senior Executive(Business Development)Tim Wong 6540 8565

Account Executives(Business Development)Yam Chung Wai 6540 8566Patrick Soong 6543 5735Kang Wee Lee 6543 5749

KRANJI [email protected]

Executive (Golf)Henry Thang 6795 2310

Executive (Operations)Tony Pang 6795 2309

Asst Executive (Golf)Mohd Shahrin 6795 2304

office bearers

at your service

PATRONPrime Minister of SingaporeLee Hsien Loong

BOARD OF DIRECTORSChairmanChiang Chie FooDeputy ChairmenLim Siang Hoe BennyLG Neo Kian Hong DirectorsBG Ang Aik Hwang GaryTan Kok Yam

GENERAL COMMITTEEPresidentLG Neo Kian HongVice PresidentsTan Kok YamComr Peter LimCaptainKwa Hian Djoe Andrew

MembersGoh Eng Yau LaurenceHui Choon KuenLeong Chee Keen EdwardCOL Lim PerrySeah Chin AikWong Liang Chin Jeffrey

DISCIPLINARY COMMITTEEChairmanHui Choon KuenMembersAng Hwee Meng RalphLoh Boon Leng DavidRajan s/o Sankaran NairTan Chiam HaiTan Kim San Ric

GREENS COMMITTEECaptainKwa Hian Djoe AndrewVice CaptainsTay Kian Hwee DavidLee Hu Gek Cynthia

MembersToh WinstonChew Chong Aun ShaunChong Chin Wah JennyChua Ling Ling SallyLee Kim Teck AndrewLim Cher Meng HenryTan Lay HarTan Sze WahTeo Whee Sian Maureen

HANDICAP SUB-COMMITTEEMembersChua Yam SengHuang Mee Foh DavidLiong Sok Wei MichelleNg Kim Chua JohnTan Kah HanTan Yong Hui BrianTay Siak Meng William

RESORT & FACILITIES COMMITTEEChairmanSeah Chin AikVice-ChairmanLee Chee PengConvenor (Bowling)Florence KhemlaniConvenor (Tennis/Squash)Lee Cher Tong DavidConvenor (Billiards)Chan Kah Lok RogerMembersLooi Wan HuiTang Ing Koon DerrickToo Chee Keong Patrick

EDITORIAL COMMITTEEHonorary Editor/ChairmanGoh Eng Yau LaurenceVice-ChairmanTan Sze WahMembersLooi Wan HuiTay Siak Meng William

We have a winning photo for our NSRCC Photo Contest which is in the front cover of this issue. We received many entries and this black and white photo was eventually chosen after careful consideration and deliberation. Read on inside on why this unique photograph is given the top notch! You can also see the other entries for comparison. Everybody is a winner because all the photographs are excellent, that is why we have featured the top finalists in the RV for the rest to enjoy.

Our Annual Charity Golf is back once again and this time, the beneficiaries are Alzheimer Disease Association, Down Syndrome Association, Leukemia and Lymphoma Foundation, SAF Benevolent Fund and Society for the Physically Disabled. If you have not already signed up for it, please do so as soon as possible for a very good cause. We have always been very supportive of the annual golf event and let us continue to strive for better results to do our part and share for the needy and less fortunate members of our society.

Do you know that we have a very chic restaurant down at the NSRCC Sea Sports Centre? It is called Chit’s Bar & Restaurant and you should try the food there! I will not reveal the secret but will let you savour the fine dining for yourself!

Golfers, you will be pleased to know that we intend to feature some golfing tips on how to play better golf in each issue of the RV for you to learn and improve your strokes. In this issue, we have featured the much dreaded bunker shots which place anxiety in us when we play. No fear, the pro is here! I have tried it and it works! Looks like my handicap index of 14.9 is set to go down soon!

We are looking for new volunteers to help out at the various committees. If you are interested to be part of our volunteer team to serve the club and its members, please get in touch with us and we will follow up with you. I must say that it is a very satisfying experience to serve in the Club and it is truly a positive experience as part of our national service contribution. We do not look for rewards but satisfaction that we are part of the success of the club over the years. Come and join us! I am certain that with more than 10,000 members, there must be many of you who are experts in your own fields and can contribute towards the continuing growth of NSRCC.

This will be my second last issue of the RV as its Editor. My last issue will be the July/August 2011. There will be a change of Editor after 7 years. Stepping down together with me will be our Captain Andrew Kwa and Seah Chin Aik, the Chairman of the Resort and Facilities Committee. I will introduce you to the new office bearers at the next issue!

We would like to wish all of you Happy Vesak Day and of course, happy school holidays! Have fun! See you around in the club! If you see me, please come and say hello and I will still buy you a beer or drink!

Cheers!

SLTC (NS) Laurence Goh Eng YauHonorary Editor

the editor speaks

How are all of you!Time flies so fast that we are moving to the mid-year mark already. We have lined up a lot of exciting events for you and your family members to be engaged in during the school holidays. Hey, we have managed to get good discounts for you for the theatrical circus spectacular “Voyage de la Vie”, the Singapore Discovery Centre as well as the newly opened Sea Sports Centre. Go and indulge yourself with your families ok! There are also kids workshops for jewellery making, robotics and social etiquette. For those interested in sports, the annual tennis open and swimming carnival are here, so sign up for them during the school holidays!

updates

New Premium for Golfer’s Insurance

17th Inter-Club Bowling Mixed League 2011

Annual Premium Rates (1 April 2011-31 March 2012)Per Adult $25 (subject to GST)Per Junior* $12 (subject to GST)*under the age of 14 years oldNote: The minimum requirement is a pass in their proficiency test

All golfers are required to have a golfer’s insurance either through NSRCC or through other golf clubs.

The golfer’s insurance offered by NSRCC through MSIG is an add-on member service provided by the club on a cost-to-cost basis without any profit or gain by the club.

Members without any golfer’s insurance may sign up by downloading the application form from the website and email to [email protected] or contact us at 6540 8543/ 8858. Alternatively, you can approach our staff at the Main Lobby Reception or Golf Reception for assistance.

The policy letter will be mailed to successful applicant within the same month of enrolment. Principle members and their family who opted for the yearly auto renewal would have received their billing along with a renewal policy letter in April.

For existing insured members, kindly contact us if you have any doubts on your insurance or other related matters.

The Inter-Club league rolled off in March and would continue for six months.

Currently leading the pack, Team NSRCC attained a total of 11622 pinfalls at publication time. Our six bowlers performed remarkably well during the recent game, with Remy Ong scoring a total of 260 pinfalls in a game.

Team NSRCC was also awarded the Team High Series scratch with a total score of 2453 pinfalls.

Congratulations and press on!

SAFRA Resort Bowl - Lane Upgrading RescheduledSAFRA Resort Bowl will close all 20 lanes for upgrading from 27 June to 26 July instead of the original schedule from 3 May to 31 May. It will re-open on 27 July.

Team Seletar Country Club (SCC)

Team NSRCC

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updates

NSRCC Special PackageVoyage de la Vie™

A multi-million dollar production with an international cast from 19 countries, Voyage de la Vie™ is Singapore’s longest running original production with over 250 performances! Be awed by the dazzling costumes, magnificent sets and death defying circus feats.

Be entertained by the spectacular cast and crew!

Simply present your NSRCC membership card at any SISTIC outlets island-wide or Resort World Sentosa™ Festive Grand to enjoy special discounts on tickets purchased.

Terms & Conditions• Tickets to be purchased at any SISTIC outlets island-wide or Resort World Sentosa™ Festive Grand.• NSRCC membership card must be presented to enjoy the offer.• Promotion is not valid with other promotional offers, discounts, vouchers or membership.• Promotion discounts are applicable to Category 2 to 5 tickets only.• Promotion discount of 20% for purchase of 2 tickets and above is not entitled to be used in

conjunction with the family package.• Promotion is valid from 1 May 2011 to 31 July 2011.• All prices are inclusive of GST but excludes $3 SISTIC booking fees and handling charges.• Maximum 4 tickets per redemption.

Ticket PricesCategory 2: $128Category 3: $108

Showtimes8.30 pm (Wed - Fri)5 pm & 8.30 pm (Sat & Sun)

Category 4: $88Category 5: $68

10%off

single ticket 20%off

2 tickets & above

Family PackageBuy 2 Adult tickets &

get 2 Child tickets Free!(Free tickets valid for children aged 4-12)

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updates

Visit the Singapore Discovery Centre with your family and friends today to enjoy special rates.

Exploring the Singapore Discovery Centre is made easier with NSRCC. Simply present your NSRCC membership card at the Ticketing Counter to enjoy 10% off Admission or Admission Plus ticket.

Admission

Adult: $9 (U.P $10) / Child: $5.40 (U.P $6.40)Includes:• Centre Admission• SAFTI bus tour• One iWERKS Giant Screen Format 3D Film

Admission Plus

Adult: $13.50 (U.P $15) / Child: $9 (U.P $10)Includes:• Centre Admission• SAFTI bus tour• One iWERKS Giant Screen Format 3D Film• One iWERKS Feature Movie

Singapore Discovery Centre

For more information, please visit our website at http://www.nsrcc.com.sg/club-news

Terms & Conditions- Promotion is redeemable at Singapore Discovery Centre.- Promotion is not valid with other promotional offers, discounts, vouchers or membership.- Each membership card must be presented to enjoy the offer.- Valid from 9 March 2011 to 30 June 2011.- All prices are inclusive of the prevailing GST rate.- Up to 4 tickets per redemption.

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updates

NSRCC turned off non-essential lights in some areas of the club to mark Earth Hour 2011.

Throughout the club, external building perimeter lights, lights at carpark A, B and C were switched off in a bid to raise awareness on energy conservation. The carpark was significantly darker during the hour.

The inaugural event also saw some bungalow guests voluntarily switching off lights in their unit while armed with their light sticks provided upon check-in. They were joined together by close friends, family and relatives enjoying a night together playing board games, exchanging conversations and having dinner.

The club hopes to extend the span of ‘lights out’ more extensively next year.

During Earth Hour

Before Earth Hour

“Good effort by the club to raise awareness on climate change’’

- Mervin Cheng, Member

Thank you for participating in

Earth Hour!

Advertisement

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seen & heard

Pang Ek Wee Max, clinched this year’s Captain Cup after emerging as the overall winner. Playing off handicap 13, he scored 37 points OCB (L9) to win the trophy presented to him by Andrew Kwa who graced the event. Tan Teck Seng and Tan Qing Hong finished second and third place respectively. Prizes for the Handicap Matchplay 2010 were given away.

During his speech at the awards presentation ceremony, Andrew Kwa expressed his gratitude to the players who turn up, his committee members and the management for assisting him during his reign at helm of greens committee and for their firm support. He remarked that he enjoyed his tenure and will continue to serve as long as he remains a member in the committee.

He also extended accolades to the course

Captain’sCup 2011

(L-R) Seah Chin Aik, Chairman (Resort & Facilities Committee); Tan Kah Han, Member (Handicap Committee); Andrew Kwa ,Captain (Greens Committee); Lim Chuan Poh, Chairman (Agency for Science Technology & Research, A* Star); Ng Yat Chung, Managing Director Portfolio & Systems (Temasek Holdings Pte Ltd); Winston Toh, Member (Greens Committee), Dennis Ng, GM (NSRCC), Laurence Goh, Chairman (Editorial & Audit Committees)

Club Captain Andrew Kwa tees off at Airforce hole 2

Captain’s Cup has come a long way since it was hosted by Club captain Andrew Kwa back in 2005. It is also the time of the year when the Captain discusses the golfing period gone by and unveil plans for the next. The event played in Stableford format saw a strong turn out as 160 members supported the outgoing Captain for the last time at his namesake cup.

Vincent Tan with his son, Mark, a NSRCC junior golfer

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maintenance team in recognition for their efforts towards keeping the greens well-manicured. He pledged continuous support to his successor BG (NS) Winston Toh and also rallied golfers to support the Charity Golf event in May. It was an enjoyable evening although tinged with a little sadness as it was Andrew Kwa’s last Captain’s Cup. He will be stepping down in June when his term ends.

All in all Captains’ Cup was a celebration despite no one scoring a hole-in-one. As they say it is not always about winning, it’s about the spirit of participation and togetherness.

Henry Lim, Member (Greens Committee); Tan Kah Han, Member (Greens Committee); Andrew Lee, Member (Greens Committee); Cynthia Lee, Vice-Captain (Greens Committee); Winston Toh, Member (Greens Committee); Tan Sze Wah, Member (Greens Committee)

(Front row, L-R) Lim Chuan Poh, Andrew Kwa, Cynthia Lee, Dick Toh (Back row, L-R)John Low, Winston Toh, Laurence Goh, Ng Yat Chung, Seah Chin Aik, Tan Sze Wah

Andrew Kwa delivering his speech

Captain’s Cup Results Name Points

Overall Best Stableford Pang Ek Wee Max 37 OCB L91st Runner-up Tan Teck Seng 372nd Runner-up Tan Qing Hong 36Handicap Matchplay by Division‘A’ Division Winner Ng Chong Loy Michael‘B’ Division Winner Kum Cheng Kiong‘C’ Division Winner Kong Kum Hong‘D’ Division Winner Lee Ka MengLadies Division Vanessa Khoo

Captain’s Cup Overall winner, Max Pang receiving his trophy from Club Captain

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front page

‘Fond Memories of NSRCC’There is a saying which goes “a picture speaks a thousand words.” We asked you to join us in our photography contest based on the theme “Fond memories of NSRCC”.

Anthony See

Bernard Khoo

Jason Isaac Wong

NRCC has just celebrated its 17th birthday and it was timely for members to share their joyous moments spent in the club.

The first prize goes to Anthony See with his photo titled – “Dusk” which portrays the masculinity that not many would see. In comparison to many other coloured photos submitted, “Dusk” seems to have a way of showing memories in a different perspective.

The second prize went to Terence Koh with the photo titled – “Seeding our future”. Terence shared with us that the picture was captured whilst his stay at the resort. Being an avid golfer, he felt inspired by the young golfers who were taking lessons with great passion for the sport.

“The theme is memories of NSRCC. This shows the junior golfers having fun practising golf. This will bring back fond memories when they grow up,” said Laurence who too felt that the photo represented the theme well.

Third prize went to Alvin Sim for his submission titled “Mighty Twins Birthday”. Alvin celebrated his twins – Anderson and Anthony’s 7th birthday at our resort last April.

The photo captured the essence of happiness and enjoyment shared amongst the kids.

The top three winners walked away with Canon cameras and Jumbo Dining Vouchers proudly sponsored by Canon Singapore and Jumbo Seafood Restaurant.

We would like to thank all members for their participation. Do look forward for future contests!

‘I decided to take a very different photo of the club instead of the usual colour, fun photos, I choose to have it in black and white capturing its masculinity which I think

many people will not see.’ – Anthony

1st Prize

The Entries

(Anthony won a Canon EOS 1000D and $500 Jumbo Seafood dining voucher)

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Photography Contest 2011‘Fond Memories of NSRCC’

Alvin Sim

Bernard KhooKeith Wong

Liew Mee Peng

Terence Koh

‘We booked a chalet at NSRCC for our twins 7th birthday last year. Anthony and Anderson were so happy and they had so much fun. They were like

playing catching and chasing balloons at the garden outside our chalet number 24. We are glad that we

have chosen the right place with nice environment to celebrate our mighty twins birthday.’ – Alvin

‘As an avid golfer, I have played in many golf clubs in Singapore and overseas but rarely have I seen so many young aspiring golfers

taking lessons to achieve the future aim. Golf, proclaimed as a gentleman’s game, helps to nurture and instill discipline in these young golfers who perhaps one day could do our nation proud. Afterall, what is achievement without dreams, hard work and perserverance. These shots also served as a reminder that each

and every golfer has to start somewhere. Whether young or old, masculine or feminine, it doesn’t matter at all.’ –Terence

2nd Prize 3rd Prize

(Terence won a Canon IXUS 130 and $300 Jumbo Seafood dining voucher)

(Alvin won a Canon Power Shot A3 300 LS and $200 Jumbo Seafood dining voucher)

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Pay Off Bad DebtsPeople forget that there is “good debt” and there is “bad debt”. Bad debt is any debt on consumption. Thus, to me car loans, personal loans, credit card debt are all bad debt and a person should avoid such debts or aim to pay them off as soon as possible.

If there’s a way you can be “debt-free” and yet enjoy the benefit of leverage that debt provides wouldn’t it be better? It can be done, let me show you how.

Personally, my housing loan is $x amount. What I have in cash is more than $2x. So am I debt free? Actually on a net basis, I am. However, I’m deliberately “retaining the housing loan debt” because it makes financial sense to do so. In my opinion, the problem with most people is that they only have a limited knowledge of finance and debt but they just stick to concepts such as “be debt free as soon as possible” without looking at the issue deeper.

Leverage on Debt – And Gain From ItThey did not think deeper, such as how you can “be debt-free” but still enjoy the “leverage” that debt provides ( just like what I’m doing). One of the greatest leverage is the potential to grow your wealth by making use of debt appropriately. Isn’t that better? It’s likely having your cake and eating it too.

Not doing what I am doing may be “shortchanging” yourself.

As I mentioned, as long as a person does not over-borrow (that is have a debt servicing ratio less than 35%), he can just aim to pay off housing loan by age 55 - he need not be in a hurry to pay it off.

Why It Makes Sense to Keep Some DebtWhy? Here are the reasons.

1. Housing loan is cheapest loan a person can ever get. Currently, housing loan interest rate is about 3%, compared to 7% for car loan, 14% for personal unsecured loan and 24% for credit cards!

2. Paying off a housing loan does not increase your net worth.

Let me use an example to illustrate:

Mr A owns a condominium with a market value of $500,000. He has an outstanding housing loan of $400,000 and no other liabilities. He has other investments worth about $100,000 and has $100,000 in cash/CPF Ordinary account balance. He is considering using the $100,000 in cash/CPF fully to reduce his housing loan from $400,000 to $300,000 after reading books which “teaches” him to be debt-free as soon as possible. Will doing so really improve his net worth position? See below:

live well, eat well

Good Debt vs Bad DebtIf you read any typical Personal Finance book from a bookstore, one recurrent advice they have is “be debt-free as soon as possible”. According to Dennis Ng, many people quickly pay off all their debts after reading such books including housing loan, which may not be the best decision.

This is his current Net Worth Position:

Assets: Cash/CPF $100,000

Other investments $100,000

Property (market value) $500,000

Total assets $700,000

Less total liabilities:

Housing Loan $400,000

Net Worth $300,000

By using his cash/CPF to reduce his housing loan,

this would be his revised net worth position:

Assets: Cash/CPF $0

Other investments $100,000

Property (market value) $500,000

Total assets $600,000

Less total liabilities:

Housing Loan $300,000

Net Worth $300,000

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Dennis Ng an accountant by training and a Certified Financial Planner with 16 years of experience in bank lending. He founded www.HousingLoanSG.com, an independent mortgage consultancy in 2003. In May 2009,

he launched www.MasterYourFinance.com, a financial education portal and in the same month he launched the first bilingual (Chinese/English) book on personal finance in Singapore entitled Mastering Your Personal Finance.

Since 2008, Dennis has been writing a fortnightly column for My Paper as a guest writer under the name of吴加万. He is a regular contributor to financial magazines and newspapers such as Straits Times, TODAY, The Edge, Business Times, Home & Décor, My Paper, Lianhe ZaoBao, Shin Min Daily News, Simply Her, Asia Financial Planning Journal, Executive Inc and Lianhe WanBao. He is often quoted by some of these publications for comments on financial matters.

Dennis is also one of the financial experts invited to blog on IM$avvy - a personal financial planning educational website run by the Central Provident Fund Board and supported by MoneySENSE.

Dennis co-hosted a weekly “Live” Radio Talk show with Most Popular DJ Wang Lee Jeng on 95.8 FM for more than 2 years from year 2003 to year 2005, the longest Radio Talk Show on Personal Finance in Singapore’s history.

This article reflects the personal view of the author. Readers are advised to inform themselves appropriately and adequately before making any financial decisions.

As you can clearly see from the preceding example, using his cash/CPF to reduce his housing loan, he is simply reducing his asset to reduce his loan. The net result of doing so makes no difference in his net worth position, which remains as $300,000.

3. By reducing your housing loan, you may actually be reducing your “Financial Security”.

If you have debt, you and your family may be better off in the event of a personal crisis. What are the 3 worst things that can happen to anyone? They are death, disability and retrenchment. In all 3 worst scenarios, the person who did not use up his cash/CPF to reduce loan, his dependants would actually be in a better financial position than after he reduces his loan as they would have more cash available on hand.

If he had taken up a mortgage insurance, his housing loan would in fact be paid off by insurance in event of death and total permanent disability. Thus, by reducing his loan, he is just reducing his own benefit from mortgage insurance.

4. You can actually gain financially by keeping your housing loan! As I have shown in the detailed spreadsheet above calculations of $100,000 loan vs $100,000 savings.

5. Opportunity cost of using cash to pay off housing loan

As mentioned, I hold about 30% cash currently. If next year, U.S stock market crash due to correction in the U.S.

property market, I would be able to benefit from a “crisis” because I have cash to invest when prices are low. People who use cash to reduce loan has NO cash to take advantage of opportunities in a crisis.

People say “crisis is an opportunity”.

It’s wrong. I say, a crisis is only an opportunity to those people who have cash. A crisis is NO opportunity for people who do not have cash to invest. When a crisis comes, I can easily make 50% to 100% returns. Just take a look at past crisis eg. SARS in S’pore in year 2003 and you would know what I say is the truth.

6. You can easily get 3% to 4% annual returns single premium endowment even if you don’t know how to invest.

For people who say they don’t know how to invest their money, that’s why they use cash to reduce loan. My reply to them is just take up a 20 year single premium endowment and you can easily get annual returns of at least 3.5% per year. ( just get any quotation from any insurers in Singapore and again you know I’m speaking the truth.)

7. Instead of using cash to reduce your loan, you can take up “Interest Offset Loan”. By doing so, you’re not paying interest since the interest earned on your cash 100% offset interest you pay on your loan. You enjoy the same advantage as paying off your loan. However, you have another additional advantage of having liquidity of your cash which you forgo if you use cash to reduce loan.

About

the Author

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on par

The first Charity Golf started in 1995, as an annual golf event as a gesture encouraging golfers to give back to community to help the less fortunate community among us.

With strong corporate, members and individuals support, this event has since developed into a much anticipated annual community-driven charity event. To date, Charity Golf has helped raised funds for

more than 30 charity organisations. This year, your charitable contribution will aid the patients from Alzheimer

Disease Association, Down Syndrome Association, Leukemia and Lymphoma Foundation, SAF Benevolent Fund, Society for the Physically Disabled. We share their touching stories.

Living with DementiaMdm Soh is a 79 year old Cantonese lady diagnosed with diabetes, hypertension and hyperlipidaemia. Mdm Soh suffered a stroke in 2004 and was admitted to Changi General Hospital. She was referred to Alzheimer’s Disease Association’s New Horizon Centre (Tampines) for continuing

rehabilitation after her discharge from hospital. She could not walk steadily and she was highly susceptible to falls. The family was in a dilemma as they were not able to afford a maid to look after her full-time nor her only daughter was able to quit her job.

Mdm. Soh regained her independence after a period of rehabilitation at New Horizon Centre (Tampines). Later on, she was diagnosed with dementia a degenerative disease. She needed constant reminders in her daily chores. Occasionally, she would wake the whole family up at 3 am in the morning insisting

that it was late morning and everyone must get up and often quarreled with them. She attended New Horizon Centre (Tampines) 5 days a week. Due to the family’s financial situation, she was given a 75% government subsidy for her attendance at the Centre. However, as the family could not afford to pay the remaining 25% of the programme fees for her rehabilitation and for the transport fees, she was granted full waiver by the Association.

Coping with Down SyndromeHong An, a young adult with Down Syndrome was enrolled in the Down Syndrome Association’s Adult Enhancement Programme (AEP) when it was launched in 2006. The AEP programme equips adults with Down syndrome aged 18 years and above with social and vocational skills. Most importantly, it gives young adults like Hong An opportunities to explore possibilities for independent living and open doors for vocational opportunities.

Since attending the AEP classes for the past five years, 25 year old Hong An has shown good progress in taking care of himself and developing his social skills. He has also developed good daily living skills such as folding clothes, preparing simple meals for himself and buying food from hawker centres and fast food chains.

The programme has definitely taught him to be more independent and he is now able to independently travel on public transport to and fro from his home to the DSA Centre at Junction 8 Bishan. Another one of his major achievements is being employed as a sales assistant in the DSA thrift shop in Telok Blangah Crescent for the past two years. Hong An is a good example of a person with

NSRCC Charity Golf 2011

Fore a Cause

Madam Soh with Dementia dancing with two staff

Yong Zhuo with his mum after undergoing leukemia treatment

Eng Huat receiving therapy at SPD’s rehabilitation centre

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Down Syndrome who has shown that given the right training and opportunities, they can successfully integrate into mainstream society.

Youth hit by Rare Blood DisorderNine year old Yong Zhuo was diagnosed with defective B cells, a rare blood disorder. His childhood has been spent shuttling between the hospital and home since his condition was discovered barely 5 months after he was born. An unrelated cord blood donor was sought and found but the cost was very high. When the Leukemia and Lymphoma Foundation was approached for help, it provided the funds for the procurement and shipping cost of the cord blood unit from overseas which came to $40,000. Yong Zhuo is now doing well and a normal life is already within his reach and there lies hope and happiness ahead for him and his family.

Overcoming Physical DisabiltiesEng Huat was previously a carefree independent bachelor. In 2009, at 56 year old, he suffered a stroke. Waking up from the stroke, he realised that he was partially paralysed on the left side of his body and had trouble speaking clearly and coherently. This stroke has taken away his independence and his ability to take care of his elderly mother whom he was then living with. His mother passed on later and he now lives alone.

Eng Huat started intensive therapy sessions at came to Society for Physically Disabled (SPD) Rehabilitation Centre to re-learn the most basic skills like using his left hand and fingers as well as learning to speak again. Mr Yeo visits the centre three times a week for therapy sessions on specially adapted transport service. Both his therapy and transport fees are highly subsidised by SPD as he does not have any income and is unable to afford the full fees.

One year on, after many therapy sessions, Mr Yeo is able to hold a conversation confidently though his speech is still slightly slurred and delayed. He has also regained some physical independence and is now able to move around with the aid of a quad stick and take care of his daily living activities.

SAF Benevolent FundThe SAF Benevolent Fund (SAF BF) was set up in October 1996. It provides financial assistance to MINDEF/SAF personnel and/or their families who may be in dire financial circumstances resulting from the death of the serviceman or the serviceman being permanently incapacitated. The financial assistance is given over and above existing provisions for compensation in the case of injury/death due to service.

NSRCC 16

To register or sponsor call golfing at 6540 8500, or email: [email protected] .For personal donations email [email protected]

Visit http://www.nsrcc.com.sg/golf/major-golf-events for more information

How You Can Help

Date21-22 May

VenueSAFRA Resort Golf Course & Kranji Sanctuary Golf Course

FormatDouble Peoria / Stableford by

Open Division played over 18 holesHole-in-one prize

Proudly sponsored by Daimler SEA Pte Ltd

Charity Golf2011

Entrance Fees:Safra Resort (AM) Safra Resort (PM) Kranji Sanctuary

NSRCC member $180 $200 $90Basic member $200 $220 $120Guest/non member $200 $250 $150

Hong An now able to travel independently on public transport

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1. You will ideally not strike the ball directly. The best way to play most greenside bunker shots is to swing the club under the ball with an open clubface. The question is how much power to give your swing because you are not directly striking the ball. It is obviously going to be more than the power normally to reach your target if you were to strike the ball. For the hesitant golfer this can be a tremendous cause of distress. What if you accidentally hit the ball first? This then leads to the understandable reaction of playing the next bunker shot with far more care and less strength and then you wind up leaving the ball in the bunker. It is a viscous cycle that leads to a phobia about sand bunkers. The biggest problem I see about phobias is that while you are consciously avoiding them, you become more focussed on them. Your brain cannot differentiate between “don’t go there” and “go there” commands so invariably you find yourself faced with more and more bunker shots. Once you have conquered this part of the game though, suddenly the intimidation of sand bunkers dissolves and you find yourself on the greens more often than not because your mind can focus freely on what you want to do (hit the ball to your target) rather than being scared about what not to do (hit into the sand).

2. Opening the clubface. Most golfers know what an open clubface should look like but most perform this “opening” the wrong way. You must rotate the club in your hands to the desired amount of openness and then re-grip the club (photo 3). The mistake a lot of golfers make is to rotate their hands/arms until they see the clubface at the desired openness and think they have opened their clubface (photo 2). They have not! What they have done is just changed their grip though into the strongest grip on the planet. This will have a neutralizing effect where the amount of openness that appears on the clubface will be wiped out by the strong grip. You must change the relationship of your hands with the club so that when you swing under the ball the clubface is definitely open. We open the clubface to increase the bounce under the club so that the club skids through the sand versus digging. The club gains more loft when it opens also so that the ball comes out high and soft. The direction (alignment) and strength of the swing (swing speed) adjustments are necessary because of these other essential changes – swinging under the ball with an open clubface.

3. Commitment. Hesitation and fear all fester due to a lack of commitment in following through with these basic principles. Without commitment, failure is pretty much sealed as your fate. I remember some really valuable practice sessions many years ago in the early years of my golfing journey where I was determined to get this problem of bunkers out of my system. I had gradually developed a phobia for sand bunkers and I knew I had to do something about it. So I took the time to practice from the bunker until I got it - I had to stick at it and experiment with all of these variables until I felt the confidence of them working. Rest assured your persistence will be rewarded. I can say for a fact that most touring golf professionals will prefer to miss a green in sand than miss a green

on par

Sand BunkersLearn to Love ‘Em!We see it all the time…golfers struggling to get out of sand bunkers on the golf course. Of course by virtue of the tag given to them of being a sand trap it only stands to reason that we should try to avoid these areas. If you are able to take on board and understand these few basic concepts of bunker play, you too will realize how simple and easy playing from the sand can be.

Swing the club on plane to the left of target with an open stance with the weight and ball a little left in your stance.

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in the rough. You can achieve much more control out of the sand than out of the rough….

4. Odd Lies. The real fun once you have conquered standard lies is dealing with more difficult lies. Through proficiency in handling these more difficult lies, and this includes plugged lies, downhill lies, poached egg lies, side hill lies, and even combinations of all these, you have earned your confidence. However, such proficiency takes time and dedication but starts with applications of some of these simple concepts and developing the ability to adapt to varying conditions in a logical fashion. A lot of times, problems become bigger problems due to panic and not enough consideration to how you are going to adjust yourself. Open your mind up, get creative, and practice these strange positions because you’ll never know when you will need to apply the shot. Here are just a couple of examples for you to try.

• Downhill Lie – This is quite often not given the respect that it deserves. One of the most difficult lies to control is the downhill lie from the sand. The problem is, as always, what is directly behind the ball. In this case, a sloping wall of sand is behind the ball, because what you have to imagine here is the club head swinging back and missing the sand and then coming down and going under the ball. So we have to mold our body to the slope (photo 1) and break our

wrists very early on the take away to avoid hitting the sand (photo 2). Because this shot will typically come out with a lower trajectory because of the body tilting forward with the slope, you will need to compensate for that with some extra opening of the clubface so that your ball has enough elevation to clear the lip of the bunker in front of you. Then you must cut down quite steeply in the downswing and feel like your

club follows the slope. Of course, like normal, you must swing under the ball and take a volume of sand. A good one to practice and get a feel on how the ball responds.

• Plugged Lie – This is always one where the golfer freaks out when they see it. In most instances with some basic “plugged lie technique” you can get your ball out of the sand bunker, which is your first objective. With much more practice, it is actually possible to get quite clever and control the accuracy of where these shots finish. The challenge starts understanding about the sand and your clubs and understanding how the ball reacts to certain things we do. When the ball is embedded in the sand, depending on the texture of the sand to some degree, you have to dig your club down and still get under the ball. How to create a digging action?

Square up your clubface, even lean the shaft forward a fraction and close the club a fraction will certainly take the “bounce” out of the sand wedge. Lob wedges (60 degree wedges) tend to have less bounce than normal sand wedges – good to remember that one. You must dig down with enough strength to excavate a volume of sand from under your ball and considering that your ball is already embedded, that means usually quite a bit of force. It feels more like a stabbing action, like your club follows a “V” shape in the downswing rather than a more semi-circular shape. The ball will pop up and forward with the volume of sand. You won’t get any back spin on this shot so allow for more roll when the ball hits the green.

Try these out next time you have the chance to practice from the sand. Don’t let a little thing like having problems with your bunker shots spoil your fun playing the game. Turn the situation around. Make it one of the strengths in your game. Keep practicing – you can really be awesome from the sand!

Article contributed by Phil Brew Golf Academy which is located at NSRCC Changi and Kranji. For enquiries contact 6545 1601 or email: [email protected]

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S/N Who When H’cap Where

1 Ng Choon Seng 27/02/2011 24.1 KSGC Hole 5

2 Eric Lee Teck Tong 28/02/2011 15.8 Navy Course Hole 3

3 Wong Kwok Yin Ignatius 06/03/2011 16.6 Navy Course Hole 3

4 Lim Kiam Chai Victor 15/03/2011 16 Airforce Course Hole 8

5 Tan Pee Teck 26/03/2011 18 Navy Course Hole 6

6 Gan Chin Hock 27/03/2011 21.7 KSGC Hole 14

on par

For results of Monthly Medal, please visit http://www.nsrcc.com.sg/posting/golf

Hole-In-One Achievers

NSRCC played host to members from Clearwater Sanctuary Golf Resort with an inter-club friendly match held at Changi Golf Course recently. It got underway with a ‘warm-up’ match played at Kranji Sanctuary Golf Course on 26 February with the actual tournament kicking off on 27 February at SAFRA Resort Changi Golf Course.

The 53-strong Clearwater entourage from Ipoh led by its Liaison Committee Chairman Dr Chew Chew Teik Chye played against NSRCC’s team led by General Manager COL (NS) Dennis Ng.

Clearwater representatives Manimanan and Cheah Nyoon Fong clinched first and second position respectively with third position claimed by NSRCC’s William Tay. Clearwater won the Challenge Trophy with 367 points, based on the best of 10 scores from both teams, while NSRCC managed 359 points.

The event concluded with the prize presentation cum lunch held at Jumbo Seafood Restaurant. Both clubs exchange mementos and many took the opportunity to take photographs where new friendships were forged.

The first ever inter-port game between both clubs sure left a lasting memory on our guests visiting the club for the first time. They were all praises for the golf courses from the challenging course in Kranji to the beautiful and relaxing courses in Changi.

NSRCC members can look forward to a return match at Clearwater Sanctuary Golf Course in the near future. Visit of web album at https://picasaweb.google.com.nsrcc.safra

First Inter-club friendly golf tournament

Clearwater Sanctuary Golf Resort and NSRCCInter-club Friendly Golf Tournament

Dennis Ng (GM, NSRCC) presenting the Challenge trophy to Lee Kuan Meng (Captain, CW)

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International

The annual International Women’s Day Golf tournament took off at NSRCC on 12 March with over 54 ladies in action. For the first time in four years, perfect weather greeted the high-spirited ladies who were decked in flamboyant yellow and/ or red attire.

Played over 9-hole, this event is held annually in conjunction with International Women’s Day, bringing women golfers together in celebration of the fairer sex and at the same time giving them an opportunity to pit their skills against one another. The ladies enjoyed a great game as they shared light banters and had fun on the golf course while having a great workout.

The winner of the tournament was Shermin Tan, taking the honour for the first time. Jen Goh and Shane Yeo came in second and third placing. In addition to the top three prizes, a prize was also awarded for the best outfit – which went to Ang Suat Ching. Jen Goh hit the longest drive and Wong Lay Hoon hit nearest to the line.

After the golf game, the ladies were treated to great food and delicious wines at the function room, along with talks by Prof Peter Lim and Dr David Consigliere from the Society for Continence (Singapore).

Congratulations to all winners and thanks to everyone who participated, helped and contributed in any way, making the event yet another success.

Thanks to supporters and sponsors for this event:Society for Continence (Singapore) supported by grant from Glaxo Smith Kline Pte LtdiPAC Financial Planning Singapore Pte LtdTreasury Wine EstatesNeoAsia (Singapore) Pte LtdDKSH Singapore Pte LtdSidefame (Singapore) Pte LtdSingapore Press Holdings – Her World & Golf DigestDaimler South East Asia Pte Ltd

Golf Tournament 2011Women’s Day

(L-R) Yvonne Soong, Jenny Sng, Ang Suat Ching, Go Theng Theng

(L-R) Tan Lay Har, Cynthia Lee (Vice-Captain, Greens Committee), Natalie Teo, Jen Goh

(L-R) Christina Yeo, Tan Kawi Peng, Lee Li Choo, Chew Kok Ai

Vanessa tests her drive

Visit our web album at https://picasaweb.google.com/nsrcc.safra

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upcoming Events & promos

8 June, Wednesday2 pm to 4 pm

One of the more popular crafts these days, especially amongst kids, is making jewellery.

Come join in this workshop where you will have a chance to learn the basics in making your very own earrings, bracelets and necklaces, and in no time you are set in making your own wonderful creation of personalised jewellery.

For more details, contact Juhainie at 6540 8564 or email [email protected]*Fees are subject to 7% GST. Programme starts with a minimum number of 10 participants.

“Jewellery Making” Workshop

Age Group: 8 to 12 years old*Fees: $35 (NSRCC Junior Members), $30 (Signed-in Guests)Closing Date: 30 May, Monday

23 June, Thursday2.30 pm to 5.30 pm

Age Group: 7 to 10 years old*Fees: $32 (NSRCC Junior Members), $35 (Signed-in Guests)Closing Date: 13 June, Monday

Be creative and imaginary in this workshop!

Go on a mission as a Dungeon Hunter to save your friends, facing challenges that will need your good brains and hands to solve IQ problems, puzzles and experiments.

Take the opportunity to learn solving hands-on problems in a fun and interactive environment and learn as a team and uses your analytic skills and creativity.

Some examples of activities are Crack the Codes, Key Trouble, Save the Prisoners and many more.

Kids Craft

Kids Robotics Workshop“Dungeon Hunter Wits & Science Quest”

For more details, contact Juhainie at 6540 8564 or email [email protected]*Fees are subject to 7% GST. Programme starts with a minimum number of 8 participants.

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upcoming events & promos

Social Etiquette

11 June, Saturday9 am to 6 pm

Venue: Tennis Court *Fees: $12 (NSRCC Members), $18 (Guests)Closing Date: 28 May, Friday

If you think you are the Rafael Nadal or Li Na of the next generation, come join us in our Junior Tennis Open 2011.

Junior Tennis players from the ages of 10 to 16 can look forward for an exciting challenge. NSRCC’s very own junior tennis tournament is a great opportunity for youths to not only hone their athletic skills, build up on their passion for the sport but also to make friends with fellow sport lovers.

If you think you have what it takes, come on down with full of energy and your mighty tennis racquet. Register Now!

For more details, contact Airene at 6540 8563 or email [email protected]*Fees are subject to 7% GST. Grouping of participants and format will be confirmed based on the actual number of participants and gender. Adjustments to group size may be made.

NSRCC Junior

Tennis Open 2011

Children are like the pillars of our future and teaching them social graces and etiquette at a young age will better mould their character from childhood. So, if your child ranges between the ages of 9 to 12 years old, come join us! This course teaches your child not just table manners but helps them in their formative years to prepare them to take the next step forward.

This interactive and fun-filled workshop will cover personal grooming and hygiene, posture and poise, meeting and greetings and many more. At the end of this workshop, your child will not only be well-equipped with the right social behaviour and etiquette but also pick up conversational skills, polite mannerism and most importantly develop self confidence.

For more details, contact Juhainie at 65408564 or e-mail [email protected]

*Fees are subject to 7% GST. The workshop starts with a minimum number of 8 participants

25 June, Saturday10.30am – 1.00pm

*Fees : $35 (NSRCC Junior Member) $40 (Signed-in Guest)Closing Date : 13 June, Monday

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upcoming Events & promos

14th Annual Swimming Carnival 2011

Put your swimming cap on! Look forward for a fun-filled swimming carnival this May. Boys and girls age 5 to 15 can compete in these categories – Freestyle, Breaststroke, Backstroke, Butterfly, Kickboard and Parent & Child Relay.

Events Eligible Age Group Year of Birth

*Individual event open to all age group

50M Freestyle

50M Breaststroke

50M Backstroke

5 – 7 years old (Boys / Girls)




1 January 2004 – 31 December 2006




50M Butterfly

8 - 10 years old (Boys / Girls)






50M Kick Board 5 -7 years old (Boys / Girls) 1 January 2004 – 31 December 2006

2 x 50M Parent & Child Relay Parent-and-Child -

This is a great opportunity not to be missed! We are giving away fantastic goodie bags this year. Parents are welcomed to join too. It is not only a great time for family bonding but also to bring out that competitive spirit in you!

For more details, contact Juhainie at 6540 8564 or email [email protected]

To pre-register simply provide your personal details (date of birth, gender, membership number, membership name, age group, address, contact numbers), name of the event you would like to register for.

Terms & Conditions1) Each participant is limited to 3 events only.2) The event will be hand-timed. Only the 3 top returned best time would be declared as the winners. The Official’s decision is final.3) The Organiser reserves the right to make any amendments/cancellation of event without notifying the participants.4) All entry forms must be received before the closing date. Late submission of the forms will not be entertained.5) The Club shall not be liable for any mishap or injury to the participants during or as a result of the course or activity.

29 May, Sunday 8.30 am to 2 pm

*Fees: $12 (NSRCC Junior Members), $15 (Signed-in Guests)Closing Date: 16 May, Monday

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For more information please call us at 6445 5108 or email us at [email protected]. Alternatively, you can visit our website at www.constantwind.com

Your Sea Sports AdventureBegins Here

Constant Wind Pte Ltd,

located at NSRCC Sea Sports Centre offers unique experiences

by the sea. They have a wide array of sea sports activities

suitable for everyone. Upcoming events to look out for are the Constant Wind Monthly Fun

Race and the Singapore Open Water Swim on 14 May. Besides

organising events, Constant Wind also provides you with fun-

filled sailing courses, rentals of windsurfs or sails.

FAMILY SAILING PACKAGE

They say fun always comes in a bundle. Sailing – a physically and mentally challenging sport no longer requires you to enjoy alone. Go on the Laser Bahia in a family of four together for a sail towards East Coast Lagoon or SAF Yacht Club. Skippers will be provided therefore, no experience is required.

Rates Half Day Full Day

Weekday $330 $580

Weekends/Public Holidays $380 $680

Refreshments will be provided

JUNE HOLIDAY SEA SPORTS FAMILY CAMP!

Looking forward to spending some family time at the Club? Wait no more. This June, The Sea Sports Centre at NSRCC is providing you with a great opportunity to not only have fun in the water but also to camp with your family members.

The two day one night programme held on 3 June to 4 June is filled with a myriad of activities such as sailing, kayaking camping with BBQ as well as an obstacle course. Gather your family members and relatives down for a great bonding session.

Rates Adult Junior ( 8 to 18 years)Weekday $150 $138

Notes:1 adult and 1 child per family is allowed. Camp starts with a minimum no of 20 participants


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If you are looking for a place to dine with friends and family in an informal and tranquil setting, Belly View Café at NSRCC Sea Sports Centre is Resort View’s recommendation.

The small eatery serve sea sports enthusiast mostly on weekends and public holidays. On weekdays and evenings, members often chill out at the café over lunch and dinner.

You can opt for simple zhi char fare or try their specialties: fish head curry or whole fish assam. The fish steam boat and the prawn roll are also favourites. If you need help with the selection, bubbly Doris the F&B manager is always around to give her recommendations.

The attraction of the place must surely be the setting. Members can choose to dine on the deck or in the covered sail loft area. The rustic seaside ambience is best enjoyed from 6:30 pm to 8 pm when the sunset view is simply breathtaking. Only the occasional roar of a jet engine taking off and landing reminds you that you are not in a seaside resort in Bali or Phuket, but right in the East Coast of Singapore.

And if you have been wondering why the café is named Belly View, you should look up at the planes flying over.

Opening hours:Daily: 11.30am – 10pm (Last order 9.45pm)

CPT Adventure, a training firm operating from the NSRCC SSC, has taken the hi-tech gadgetry of laser tag to an outdoor environment. Launching in May, our latest range of equipment comes with radio frequency capability for live scores and statistics that add a new dimension to Laser Battle. Games are played with specific mission-based role-play scenarios. Players are placed on combat teams and assigned specific functions, duties and roles as they battle each other on assigned missions.

Special eventsLaser tag activities are great for special events like birthday parties, family bonding and get-together sessions! Our party packages (minimum 12 pax), start from $49 per person for a 90 minute session which include snacks and drinks.

Contact Amos at 9675 1907 or email [email protected]

Corporate teambuilding eventsOur half day and full day programmes can be customised for anything from team bonding to leadership training.

Contact Kelvin at 6214 9412 or email [email protected] to put together a programme that best suits your organisation’s needs!

For more information, visit www.cptransform.com

The Laser Tag Battle Challenge

Belly View Café

Laser tag is now available at NSRCC Sea Sports Centre

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The picturesque view of the sea, surrounded by flora and fauna is set to take your breath away. After sunset, you and your loved ones can look forward to a night under the starlit sky as the party goes on.

If you have always dreamt of a romantic outdoor wedding, this “get-away” is not to be missed!

For customised wedding packages or booking enquiries, please contact Denise at 6214 9168 or email to [email protected]

Opening hours: 12 noon to 12 midnight daily

Visit our website at www.chits.com.sg

Romance by the beach

Chit’s Bar & Restaurant located at NSRCC Sea Sports Centre offers a romantic alfresco dining venue set against the backdrop of the Singapore Straits. Indulge in their signature dishes such as the NZ Lamb Chop and Chicken Curry.

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Calendar of Events 2011

augjun

4 (Sat)Snooker (Bi-monthly)

8 (Wed)Jewellery Making for Kids

11 (Sat)Junior Tennis Tournament

18 (Sat)Toastmaster

23 (Thurs)Dungeon Hunter Wits and Science Quest

25 (Sat)Social Etiquette

25 (Sat)Snooker (Bi-monthly)

2 (Sat)Swimming Term 3

3 (Sun)Swimming Term 3

4-27 (Mon & Wed)Vocal Class

9 (Sat)SAF Day Golf Tournament (am/pm) SAFRA Resort location

16 (Sat)Toastmaster

21 (Sat)Annual Get-Together For Committee & Staff (pm) SAFRA Resort Location

30 (Sat)Make Up Workshop

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6 (Sat)Grooming Workshop

13 (Sat)Tennis Singles

16 - 17 (Tues & Wed)National Day 9 Ball Pool Knockout

20 (Sat)Toastmaster

20 (Sat)Adobe Photoshop

27 (Sat)Snooker (Bi-Monthly)

27 (Sat)National Service Day Golf Comeptition - “Gotong Royong” (pm) SAFRA Location

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Information correct as at time of printing. Please call 6543 5725 for enquiries on Sports & Recreation Activities or 6540 8500 on Golfing Events.

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malaysiaJohor Tanjong Puteri Golf & Country Club Tel : 02-07-271 1888 (Office & Club) 6338 2828 / 6339 7266 (S’pore Office) Fax : 02-07-271 1333 (Office & Club) 6339 5128 (S’pore Office) Email : [email protected] Wesite : www.tpgr.com

Malacca A’Famosa Golf Resort Berhad Tel : 02-06-552 0888 / 0555 Fax : 02-06-552 0695 Website : www.afamosa.com Email : [email protected] Orna Golf & Country Club Tel : 02-06-521 0333 Fax : 02-06-521 0222 Email : [email protected] Negeri Nilai Springs Golf & Country Club Sembilan Tel : 02-06-850 8888 Fax : 02-06-850 3388 (Golf) 02-06-850 3005 (Admin) Email : [email protected] Tuanku Jaafar Golf & Country Resort Tel : 02-06-678 3088 Fax : 02-06-678 2908 Email : [email protected]

Staffield Country Resort Tel : 02-03-8766 6117 / 8 / 9 Fax : 02-03-8766 7173 Email : [email protected] Penang Bukit Jambul Country Club Tel : 02-04-644 2255 Fax : 02-04-644 2400 Email : [email protected] Website : www.bjcc.com.my

Bukit Jawi Golf Resort Tel : 02-04-582 0759 Fax : 02-04-582 2613 Email : [email protected] Website : www.bukitjawi.com.my Penang Golf Resort Tel : 02-04-578 2022 Fax : 02-04-575 0228 Email : [email protected]

Perak Clearwater Sanctuary Golf Resort Tel: 02-05-366 7433 Fax: 02-05-366 7434 Email : [email protected] Website : www.cwsgolf.com.my

Dear Members,

Please produce your Letter of Introduction, and Handicap Cards to qualify for the discounted/

reciprocal rates. The host club will charge walk-in rates otherwise. You may print your letter of

Introduction on our club website at www.nsrcc.com.sg using your members’ PIN. Please check our

website for the latest/current list of affiliated clubs.

SingaporeChangi Golf Club, SingaporeTel: 6545 5133 Filghts Available: Weekday mornings (except Mondays)

Sembawang Country Club, SingaporeTel: 6751 0320 / 328 Fax: 6752 0446Website: www.sembawanggolf.org.sgFilghts Available: Weekdays only

MalaysiaTiara Melaka Golf & Country Club, MalaccaTel: 06-231 1111 Fax: 06-231 4122Email: [email protected]

IndonesiaPalm Springs Golf & Beach Resort, BatamTel: 6276 1027 (Singapore) / 0778 761 222 (Batam) Fax: 6276 1028 (Singapore / 0778 761 223 (Batam)Website: www.palmsprings.com.sgEmail: [email protected]

Bintan Lagoon ResortTel: (62) 770 691 388 / (65) 6223 3223Fax: (62) 770 691 300Email: [email protected]: www.bintanlagoon.com

ThailandPhuket Country ClubTel: 660 76 3192004Fax: 660 76 319206Website: www.phuketcountryclub.comEmail: [email protected]

Gassan Khuntan Golf & ResortGassan Lake City Golf & ResortGassan Marina Golf ClubTel: +65 6547 1229 Fax: +65 6841 8809 Website: www.gassangolf.comEmail: [email protected]

South AfricaSpier Country Club, Cape TownTel: 27-21809-1100 Fax: 27-21881-3634Website: www.spier.co.zaEmail: [email protected]

Vodacom, World of Golf, JohannesburgTel: 27-11802-5864 Fax: 27-11802-7491Website: www.golfersworld.co.zaEmail: [email protected]

Members need not apply for an Affiliation Card. Just present your Membership & Handicap Cards.

specialgolfing

arrangements

indonesiaBatam SouthLinks Country Club Tel : 62 778 323837 (Batam) 62 21 3190 2070 (Jakarta) 6278 7079 (S’pore Office) Fax : 62 778 323849 (Batam) 62 21 3190 2772 (Jakarta) 6270 0029 (S’pore) Email : [email protected]

Jakarta Padang Golf Modern & Country Club Tel : 62-21-552 9228 Fax : 62-21-552 9177 / 87 Website : www.moderngolfcc.com Sedana Golf & Country Club Tel : 62-267-644 730 (Club) 62-267-644 733 (Golf Reservation) 62-21-612 8811 (Accommodation) Fax : 62-267-644 728 (Club & Golf Reservation) 62-21-612 8822 (Accommodation) Email : [email protected]

china Guangzhou Guangzhou International Golf Club Tel : 001-8620-8293 3888 Fax : 001-8620-8293 3168 Email : [email protected] Website : www.gigc.com.cn

Zhuhai Lakewood Golf Club Tel : 086-756-338 3666 / 0452 (Club) 852-2877-1215 / 1128 (Golf Reservation) Fax : 086-756-338 3898 / 086-756-339 9706 (Club) 867-5633 0452 (Hong Kong Office Golf Booking) 852-2877 8770 (Golf Reservation) Email : [email protected] Website : www.lakewoodclub.com.cn

thailand

Bangkok Pinehurst Golf & Country Club Tel : 662-516 8679 / 84 Fax : 662-516 2010

brunei Royal Brunei Golf & Country Club Tel : 673-2-611 582 Fax : 673-2-610 499 Email : [email protected] Website : www.jerudong-park.com

Affiliated

Clubs

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Facilities Directorymain lobby receptionTel: 6542 82886543 5725 (booking of facilities)8 am to 8 pm (daily)

membership centreTel: 6540 85558.30 am to 5.30 pm (Mon to Fri) 10.30 am to 2.30 pm(Weekends & Public Holidays)

f&b outlets

appetizer pte ltd (at bowling centre)12 pm to 11 pm (Mon to Thu)12 pm to 2 am (Fri, Sat & eve of Public Holidays)10 am to 11 pm (Sun & Public Holidays)

d’turret LoungeTel: 6543 28165 pm to 2 am (Mon to Thu & Sun)5 pm to 4 am (Fri, Sat & eve of Public Holidays)

jumbo seafood @ safra resortTel: 6552 343511.30 am to 3 pm (lunch daily)6 pm to 10.30 pm (dinner daily)

the deck (golfers’ terrace)Tel: 6546 50687 am to 8 pm (daily)

the golfers’ terrace (kranji sanctuary)Tel: 6898 26407 am to 8 pm (daily)

corporate/private events

The Falcon, The Corvette,The Larden,Oriole 1 and Oriole 2 For booking enquiries, call 6540 8566 / 6543 5735 / 6543 5749 or 6540 8565email: [email protected]

For bookings of The Sanctuary I & II at KSGC and F&B catering, call 6898 5168 (Ms Annie Chew) for reservations and enquires.

golf facilities

golf receptionTel: 6540 8500Fax: 6542 7710 / 6545 6525Opening Hours: 7 am to 5.30 pmBooking Hours: Weekend Golf(following weekend and public holidays)In-person* - 6 pm to 7 pm (Fri)Internet - 6 pm onwards (Fri)Telephone - 9.30 am to 5 pm(Sat onwards)* currently not available at Kranji Sanctuary Golf Course

Weekday GolfIn-person, Telephone - 9.30 am to 5 pm (daily)Internet - 9.30 am onwards (from Mon)

driving rangeTel: 6543 17267 am to 11 pm (daily, except Mon: 4 pm to 11 pm)

Phil Brew Golf AcademyTel: 6545 1601

golf pro-shops

SAFRA resort - transviewTel: 6543 38337 am to 7 pm(daily, except Mon: 11 am to 7 pm)

SAFRA resort - hon shin golf (club repair)Tel: 6542 29782 pm to 9 pm (Tue to Fri)10.30 am to 5 pm (Sat & Sun) kranji sanctuary - Phil BrewTel: 6861 87009 am to 6 pm (Tue to Fri)7 am to 6 pm (Sat, Sun & Public Holidays )

sports & social facilities

billiards room10 am to 10 pm(daily, but extendable to 11 pm upon request)

corner shop12 pm to 8 pm (Mon to Fri)10 am to 8 pm (Sat, Sun & Public Holidays)

fitness centreTel: 6543 57157 am to 9.30 pm (Weekdays)7 am to 8.30 pm (Weekends & Public Holidays)

fruit machine room9.30 am to 12 am (Mon to Thu)12 pm to 1 am (Fri)9.30 am to 2 am (Sat)9.30 am to 12 am (Sun & Public Holidays)9.30 am to 1 am (eve of Public Holidays)

funzone (amusement centre)12 pm to 10 pm(Mon to Thu, Sun & Public Holidays)12 pm to 11 pm(Fri, Sat & eve of Public Holidays)

karaokeTel: 6545 636512 pm to 11 pm (Mon to Thu, Sun & Public Holidays)12 pm to 2 am (Fri, Sat & eve of Public Holidays)

kidz corner (indoor playroom)8 am to 10 pm (daily)

kinderGolfTel: 6214 05819 am to 6 pm (Mon to Sun)

SAFRA resort bowlTel: 6545 6365 / 6545 205912 pm to 11 pm (Mon to Thu)12 pm to 2 am(Fri, Sat & eve of Public Holidays)10 am to 11 pm (Sun & Public Holidays)

SAFRA resort bowl - eastern pro-shop2 pm to 10 pm (Tue to Thu, Sun & Public Holidays)2 pm to 11 pm (Fri, Sat & Eve of Public Holidays)Closed on Monday

squash court10 am to 10 pm (daily)

swimming pool & wet playground8 am to 9 pm (Tue to Sun)12 pm to 9 pm (Mon)** 8 am to 12 pm are pool cleaning hours

tennis courts7 am to 10 pm (daily)

bungalow reception

Tel: 6542 2036Fax: 6545 6544Opening Hours: 9 am to 8 pm (daily)Booking Hours: 9 am to 7 pm (daily)

Six-month advance bookings are open on a rolling basis. Members can make bookings via phone, fax, in-person or via the Internet at our website www.nsrcc.com.sg. Check-in: 2 pm to 7 pmCheck-out: 9 am to 10 am

others

sparks & shines car grooming servicesSAFRA ResortTel: 6285 5655 7 am to 7 pm (Tue to Sun) Closed on Monday & Public Holidays

sea sports centre

constant wind sea sports centre & pro shopTel: 6445 510810 am to 7 pm (daily)

centre for performance transformationTel: 6214 9412

chit’s bar & restaurantTel: 6214 916811 am to 11 pm (daily)

gurame indonesian restaurantTel: 6542 203812 pm to 3 pm (daily)6 pm to 10 pm (daily)

nsrcc photography contest winner may-june11.pdf · tan sze wah, looi wan hui, tay siak meng...

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