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Laura Hoi

In Touch

A Monthly Curated Newsletter

As humans, the pursuit of change and progress is something that is innate to every one of us. Like it or not, there will always be things in life that we hope could be a little different, a little better in the way that daily situations & events turn out. It could be in the way we think, speak, or the way we handle everything from our finances to our relationships with others. We seek to become better -- and we should. As we strive to continuously exceed our potential, we rise above all previous versions of ourselves and grow stronger. In this issue, we look at some ways in which we can embrace a better self and an even better future.

The Relentless Pursuit of Improvement

It is no secret that I believe growth is the only guarantee that tomorrow will be better. It is no mystery that I think personal growth is the steppingstone to success for any leader. If you or I want to stay in front of the curve and lead others, then we must do the work that keeps us out front. We must continually improve. But as I seek to improve, there is one thing I know not to chase, and that is perfection. Perfection is a trap. Do not chase perfection as a leader - chase improvement. Make today better than yesterday so tomorrow can be better than today. The relentless pursuit of improvement will take any leader far.

 
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I used to be jealous of other people's wealth and success - here is how I finally got over it

Envy. It is an emotion that we all feel at some point. It is also a really dangerous emotion when we are trying to build a strong financial life. Envy is pure poison to a healthy financial life. After all, envy encourages us to make some pretty poor decisions. Like every other character flaw, however, envy can be overcome. You can directly reduce the envy itself, or you can at least reduce the bad choices you make as a result of envy. Here are seven strategies I use to cut envy out of my own life.

 
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This is How to Break Your Limits | Dan Lok Motivational Speech | Goalcast

 
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I seek to reach out to people who believe in safeguarding the interests of their loved ones. Let me know if I can be of help to someone you know or care about. We can make a difference to lives when it matters most. Cheers.
 
Laura Hoi
 
 
 
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Testimonials and Referral Notes

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Carol Koh. Associate Lecturer & Swimming Coach. Republic Polytechnic

Laura is a childhood friend whom I had not caught up with in ages. When we first met up many years later, the feeling was so comfortable, even when I asked her for financial advice as a friend. As such, I decided that she would make a good financial advisor. She was very attentive and understood my needs. She is very knowledgeable in financial planning and gives sound advice. With Laura as my financial advisor, I know that I am in good hands! Thanks to Laura, I feel more assured of my retirement plans and I’m definitely more covered medically!

Eugene & Cheryl Teng.

Aunty Laura (we call her aunty because she has been helping us since we were kids) has been providing financial advice for our entire family for close to 20 years! She has been very supportive of us and with changes to the economy, have helped us adapt our financial situation accordingly as well. Thanks Aunty Laura for all your help, providing us with a headstart as compared to the other kids my age. Of course I have to thank my mum for investing in us, but due to Aunty Laura's help, my sister and I have been able to be covered comprehensively since we were young, which many kids in Singapore do not have the luxury to do so. Onwards another 20 years!πŸ˜„ - Eugene Teng ShopeeExpress β€”β€”β€”β€”β€”β€” Auntie Laura has been my mum's insurance agent since I was young and have seen me grew up from a child to an adult. I witness how she has help my mum handled her finances and also health insurances, to ensure that we are all well covered. Now that I have grown up, I have also entrust my financial and health insurance portfolio with Auntie Laura. She would provide relevant advises and coverage that I should get and would explain in detail each plan purposes. Her patient and bubbly character makes it easy to approach whenever I have queries for my plans and making the exchange a stress-free and comfortable setting. πŸ™‚ - Cheryl Teng, Trading Operator, Total Energies

Chun-Chau. Director of Business Development. Saab

Laura has been our financial consultant more than 15 years, seeing us through the various stages of our lives and financial priorities. I recalled that she advised me on my personal insurance at the infant stage of my career, to advising me on family protection when I started my family and having kids, to looking at building an education portfolio to support my kids' education and now, looking at building my retirement funds. We are glad to have her watching over our entire financial and insurance portfolio including other products which are outside her portoflio. She is our "go-to" person for any financial matters including car and housing loans as well as home, car and travel insurance. Besides providing financial advisories, what I really like most is her personalised support. I recalled my daughter was hospitalised years back, she visited her, brought her a soft toy, find out how she was doing and even helped us make claims from an insurance company outside her portoflio. It has been an amazing journey with Laura. I would say that insurance and finance are very sensitive and personal matters. We need someone whom we can trust. We are glad that we have Laura as our trusted consultant, a closed friend of ours and a great auntie to my kids.

Chee Hok Yean. President Asia Pacific. HVS

Laura has been my financial consultant since 2002. She has provided very customised and holistic financial planning advice for me, especially in the area of retirement planning. I enjoy working with her because she makes sure she understands my situation and needs first before crafting a solution for me. Her explanations are clear and she provides options in different perspectives and is not pushy in her approach. I am glad to have found somebody I can trust to help me manage my financial planning portfolio.

Rayn Ngong. Senior Vice President. GIC

Laura was introduced to me in 2002, not long after I had just started working. Over the years, she has maintained close contact with me and has been regularly updating me and my family in our financial planning journey. Of all the Financial Consultants I have met, Laura has been the most conscientious and comprehensive in her financial planning strategies. With her competent advice over the years, I have been able to comfortably plan for my family's protection as well as our wealth accumulation needs. At the same time, as Laura is a certified Estate Planner, she has also helped me in the area of legacy and estate planning. Getting a trusted consultant who looks out for you is important. I am thankful that I have not just found a trusted financial consultant, but also a good friend who has seen me through the different stages of my life.

Gerard Tong . Director, Epitrain Pte Ltd Adjunct Professor. SMU, NUS

Let me start by saying I am not an easy person to deal with. I am impatient, opinionated and stubborn. The fact that Laura has been servicing me since 2004, and is the only Financial Advisor whom I have bothered to speak more than 5 words to, speaks volumes of her approach, presentation and knowledge. From the start, I made it clear that as a (now retired) financial market professional, I was not interested to hear about investment-linked policies, believing that I could do a better job that the fund managers. Laura kept that in mind, and respected that, occasionally making a passing recommendation on a fund she felt was really worth looking at, but immediately putting that aside as soon as I impatiently gave her a dismissive wave. Instead, she focused on building up a portfolio of policies which covered other critical areas, such as death, sickness, mortgage protection and such. Never over-selling, she would not push more coverage than was required to me. Not the sort of insurance agent to close a deal, collect their commission and forget the client, Laura readily advised and assisted with claims, and consistently checked up on my situation in life, personal and financial to review my coverage, even advising me on my plans to scale back as my coverage requirements shrank with age. Just this month, after identifying that I was losing interest in managing my own money, but still wanting superior returns, she sold me a bond fund policy, after years of watching my dismissive hand. It shows great professionalism, keeping mum about investment-linked policies all these years, but always keeping a look out for changes in my life state, and bringing it up again when it has become appropriate. If you’re looking for a professional, competent, reliable Financial Advisor (in truth, we all NEED one, even if we have not realised it yet), who genuinely cares about you, then look no further.