View this email in your browser

Laura Hoi

In Touch

A Monthly Curated Newsletter

When was the last time you received kindness from somebody? When was the last time you extended an act of kindness to someone else, and to what end? As it turns out, there can be tremendous merits and outcomes in paying forward a kindness received with a good deed to somebody else, especially when done out of gratitude. The concept of "Paying It Forward" is nothing new, but in our world, I believe we could do with more compassion and selflessness as it brings out the best in us.

The Art of Paying it Forward Without Spending a Dime

When we pay it forward we commit an act of selflessness that transcends our connection to other humans on the planet, elevating the human experience in a positive way. Whether it’s a showing of kindness, faith, or even compassion, it all makes a difference and can potentially trigger a chain reaction of reciprocated behavior.

 
read more
 

The Power of Altruism

Classical economics adopts a model that says people are primarily driven by material self-interest. Political science assumes that people are driven to maximize their power. But this worldview is clearly wrong. In real life, the push of selfishness is matched by the pull of empathy and altruism. This is not Hallmark card sentimentalism but scientific fact: As babies our neural connections are built by love and care. We have evolved to be really good at cooperation and empathy. We are strongly motivated to teach and help others.

 
read more
 

The Paying it Forward Paradox | Wayne Baker | TEDxUofM

 
view video
 
 
Proudly Brought to You
 
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
 
 
 
WhatsApp Me
-
unsubscribe
You are receiving this email because you're my client, a friend or you've given permission to receive this email. If you'd rather not receive our emails, you can unsubscribe from our mailing list by clicking 'Unsubscribe' above.

© Laura Hoi, All rights reserved.

Testimonials and Referral Notes

View the full list

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.

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.

Jeremy Koh. Senior Manager. ASM

I was first introduced to Laura by a close friend in 2021 when I shared with him that I needed some help on CPF planning for my retirement. When I first met Laura, I was impressed with her level of professionalism. She took the time to really understand my financial situation, my goals and my needs before recommending what I should do with regards to my query on my CPF monies. She is very clear and simple in her explanations and gave me a very clear overview and provided me with financial advice beyond what I had expected, and not just confined to retirement planning. Laura is not pushy in her approach and is sincere, knowledgeable and experienced. I am glad to have her to help me manage my portfolio and strongly recommend anyone who needs professional and trusted advice to meet up with her.

Dr Tan Eng Hoe & Mary

We have known Laura for several years now. Recently, I reached out to her to get her opinion about some retirement plan options. She did not push us any products but instead patiently helped us to make a decision based on our needs at our current stage of life. She was very patient in going through our all our existing policies that we have purchased through the years and offered very clear explanations. We are very thankful for her advice and would strongly recommend her to anybody looking for a different perspective from a trusted financial consultant.

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.

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.