| For the past years, given the pandemic and restrictions, many of us were forced to re-evaluate how to plan and book trips for holidays, or consider whether we should even be planning for any travel at all. Now, as borders are opening up, we have reached a stage where many of us are ready to start traveling again and make vacation plans once more. The catch, though, is that traveling will likely continue to be complicated as new variants emerge. How then do we plan for travel? In this issue, we explore this matter in more depth. | | How To Travel Safely During the Pandemic Traveling right now might require a more detailed and cautious approach, but it can still be done while minimizing the risks of being exposed to variants of COVID-19. We spoke with pulmonary and critical care physician Joseph Khabbaza, MD, about the subject. Keep reading to find out what he has to say and get some tips for staying safe whether you're in the car, on a plane, at a hotel or on a cruise ship. | | 15 Travel Trends That will Change the Industry Forecasting the future is always tricky, and 2022 is no normal year. So, in our effort to look ahead, we recruited the help of several tourism industry veterans with longtime expertise in the airline, hotel, cruise and tour operator sectors. | | The Point of Travel | | 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 | | | | | | | | 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. | | | | 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. | | | | Dr Ronnie Mathew, Senior Consultant, SGH. Dr Sharon Mathew, Doctor, SGH We as a family relocated to Singapore from UK and we were looking for a good financial advisor for health protection related insurance products. Laura Hoi was introduced by a friend of mine. We met Laura for the first time in 2018.
My wife and myself were very impressed with Laura’s professionalism and detailed knowledge about various types of insurance related products available in the market. Equally impressive was Laura’s detailed analysis of our family’s overall financial position and ideal products for us to consider. This included life insurance, critical illness and hospitalisation cover.
Laura also created multiple easy-to-understand spreadsheets that helped us immensely.
Over the years, Laura had become a a friend and trusted advisor. Laura has consistently been awarded as one of the top level performers internationally in Prudential and because of her comprehensive and vast knowledge and experience, keen attention to detail of the overall needs of the individual/families, professionalism and wanting the best for her clients, we know she will scale even greater heights.
Thank you Laura. Best wishes.
| | | | 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!😄
- Eugene Teng
ShopeeExpress
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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. 🙂
- Cheryl Teng, Trading Operator,
Total Energies | | | | Yvonne Tan. Fitness Instructor I first got to know Laura in 2022 when she came to me to embark on her fitness journey.
As a Financial consultant, Laura is very sincere and has the ability to convey her recommendations in a very digestible, easy-to-understand format.
Through her review session with me, she was able to
1. Give me a Birds Eye view of my overall financial position.
2. Identify the gaps that I was unaware of
3. Consolidate a clear summary and develop a comprehensive action plan.
My experience with her has been enriching. She is knowledgeable and informative and most importantly, does not pressure me to make any decisions.
I would strongly recommend her to meet anyone who needs a competent financial consultant who puts your needs first and lets you make your decision without pressure. | | | | 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.
| | | | 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.
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