Cheong Efon

Chief Wishes Planner

Cheong Efon

Chief Wishes Planner

Wishes Readiness

It's either you are wishes-ready, or your wishes, you'll bury. To be wishes-ready, you only need to have your wishes documents in order.

In principle, you may DIY all your wishes documents. Nevertheless, I would be extremely delighted to have a chat should you need any clarification, explanation, assistance and/or advise.

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- AIA SG ◦ Precepts Legacy Pte Ltd
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Newsletters

Articles Worth Sharing

Newsletter Issue 103: Teachings From Nature's Tapestry

Lessons flow through every corner of life—seen in creatures great and small, in blossoms and branches, in wind and water. Nature invites us to slow down, listen closely, and carry its gentle teachings into our own stories.

As Singapore marks its 60th birthday this August, we celebrate more than just milestones—we embrace everyday moments. From savvy ways to maximise vouchers and nostalgic memories that stir the heart, to family-friendly adventures waiting to be explored, we honour our shared journey with pride, joy, and unity.

After a pause or shift in pace, it’s natural to need a quiet reset. This season is about steady steps — not starting over, but picking up where you left off with a bit more clarity. A moment to reflect, realign, and move forward at a pace that feels right.

Whether you're jetting off with family, flying solo, or exploring on a budget, smart choices can make every journey smoother and more rewarding. From practical tips to meaningful moments, let thoughtful planning and openhearted curiosity guide your adventures—so you can roam far, light, and well.

Whether we are mothers ourselves or simply have someone in our lives who has played a motherly role to us, chances are, our lives have been influenced in profound ways by motherhood. Let's take a moment in this issue to honour, value, and draw lessons from the incredible wisdom of women and mothers who have impacted our worlds.

In the pursuit of wellness, every small step matters. Discover how nourishing your body, staying active with intention, and making mindful choices can shape a healthier, more balanced life. From everyday nutrition tips to inspiring fitness journeys, find ways to thrive—body, mind, and spirit—one thoughtful action at a time.

Singapore’s Budget 2025 lays the foundation for economic resilience and community support. From financial aid and SG60 perks to business investments and digital growth, this edition unpacks key measures shaping the nation’s future. Discover how these policies impact businesses, families, and individuals in an evolving landscape of opportunities and challenges.

As Lunar New Year celebrations unfold and we gather with friends and family, let us remember that prosperity is not just about wealth and abundance but also about the wisdom shared and traditions passed down through generations. Amid the laughter, meals, and festivities—and the inherent hope and symbolism they carry—be kind and mindful to yourself and others, ensuring that the deeper meaning of heritage, connection, and togetherness endures beyond the moment.

As we enter the new year, it's the perfect time to celebrate endings and acknowledge our achievements. Embracing closure and recognising small wins fosters personal growth, resilience, and emotional well-being, transforming life's transitions into opportunities for reflection and reinvention as we move forward with intention.

As the year winds down, it’s the perfect time to reflect on the many reasons to be grateful in our lives. From uplifting mental health to strengthening connections, gratitude helps us end the year with purpose and warmth. Discover simple practices and insights to embrace appreciation and nurture meaningful moments this season.

Embark on meaningful journeys with insights to plan memorable vacations, navigate budget travel, and uncover cultural treasures. Whether you’re crafting a family adventure or exploring last-minute deals, these ideas inspire travel that deepens connections, stretches savings, and invites discovery.

As families navigate the challenges of exam season, it's important to foster resilience, support growth, and nurture well-being. These insights explore how to create a balanced, supportive environment for children, helping them thrive academically, emotionally, and financially.

Persistence and perseverance are the cornerstones of personal growth. As we enter the final stretch of the year, these traits become even more essential. Discover ways to harness determination, build resilience, and stay committed to your goals. Even when the journey feels long and challenging, remember—you’re closer than you think. Let’s push through this last lap together.

Navigating the rising cost of living requires strategic planning. This issue provides tips on budgeting, skill development to increase income, and utilising resources to manage money. I hope these strategies help empower you to stretch your money further and maintain financial stability.

Prioritizing our health and immunity is essential, especially with summer holidays and travel on the horizon amid the recent surge in COVID-19 cases. Here are some practical tips, nutritious recipes, and expert advice to keep you safe and ensure healthy and enjoyable summer vacations for you and your loved ones!

As we approach the time of year when scorching temperatures send us seeking refuge indoors, this issue offers essential tips and strategies for managing the heat. Arm yourself with knowledge and discover ways to stay cool, hydrated, and healthy amidst the sweltering heat, ensuring you thrive in your daily life!

Life is a multifaceted journey of growth and transformation. From overcoming setbacks to embracing professional and personal development, this issue contains wisdom on self-forgiveness, career and financial success, and the limitless power of lifelong learning. The process of growth may not always be easy, but it will be worth it. I hope this enriches your life.

Amidst rising costs, aging and retirement planning is becoming a growing concern for many. Yet, more than just ensuring financial readiness, one who is planning to retire also needs to be psychologically prepared for the shifts in lifestyle, routine and everything that comes along with it. In this issue, let's explore expert tips on staying healthy, mentally sharp and financially secure, so we can age gracefully in our golden years.

As we embrace 2024, discover essential insights for a prosperous journey ahead. Explore key financial strategies and economic trends aligning with the Dragon Year's promise of prosperity. Immerse in the cultural vibrancy of the Lunar New Year celebrations. I hope this issue with its blend of wisdom and practical advice equips you to navigate the opportunities and challenges ahead with confidence. Together, let's ride the Dragon!

In this issue, here are some insights on mindful reflection, effective goal-setting, and strategic reviews. I hope this helps you equip yourself for a thriving year ahead with impactful resolutions and fresh perspectives. Let's embark on this journey of growth and renewal together.

Embrace the spirit of the holiday season in this month's issue, where cherished traditions meet thoughtful innovation. From smart savings and healthy feasts to meaningful gifts and cozy stays, our collection of articles offers a reflective journey through holiday warmth. Savour every moment with our handpicked tips and recipes, and let's celebrate the joy and generosity that define this wondrous time of year.

As inflationary pressures continue, affecting both individuals and businesses, it is vital to equip ourselves with effective strategies to navigate this environment. This issue provides pragmatic insights and ideas, guiding us to not only weather these economic challenges but also thrive in the midst of them. I hope this brings us greater financial resilience and empowerment.

In celebration of Children's Day, here is a friendly collection of articles brimming with insights! I hope these writings can guide us in embedding valuable skills, boosting financial literacy, and laying down a roadmap to raising resilient, balanced children. May we empower the upcoming generations, helping them blossom into well-rounded and holistic individuals. Let's cherish the joy of nurturing our future

Making decisions on property is not trivial, as they often have effects on our quality of life in ways that are not just material but also financial and emotional. Regardless of our experience levels in making decisions on our properties and homes, it helps to have an appreciation of what resources are involved, and how we can be resourceful about them. I hope you find the materials in this issue useful.

In today's rapidly ageing society, advance care planning and long-term care planning are emerging as critical considerations for ensuring a comfortable and secure future. As we journey together through the intricate aspects of planning for what lies ahead, it's never too early to make such vital decisions. It's your future; plan it well.

In the delicate balance between awe and envy lies an opportunity for growth. Awe opens our eyes to the beauty and possibilities around us, while envy stirs our desires for improvement. By using awe as a wellspring of inspiration and envy as a catalyst for positive change, we get to harness these emotions to fuel our ambitions, cultivate empathy, and create a brighter future for ourselves and others in various aspects of our lives.

As artificial intelligence (AI) and chatbots like ChatGPT become ever more prevalent, AI’s potential to transform our lives and economy cannot be understated. With the increasing adoption of these technologies, they will not only transform the ways we use or consume information, but they are also poised to play a pivotal role in just about every aspect of our lives, including work, finance, and parenting. In this issue, we explore the nuances of AI and the possibilities it brings to our world.

Necessity is the mother of invention. Throughout history, humans have demonstrated the ability to innovate, solve problems, and create solutions in the midst of crises, resulting in some of humanity's greatest inventions. All it took was resourcefulness, action, and persistence. Through this issue, I hope to provide insights into how we can live life constructively and creatively, regardless of the challenges that we may face today.

As we get back into the groove of work, our most important arsenals have to be our health and brains. After all, these are essential in allowing us to lead a functional and meaningful life. To do that, we need to take care not to fall ill and ensure that we upkeep our physical, mental, and social well-being. Let us explore in this issue the various ways that help us protect and strengthen our overall health.

For many, the festive season is a time of food, celebrations, social interaction, and hype. Coupled with the continuous demands of work and life, such periods can sometimes leave us feeling drained, and some of us may even struggle to get a breather. In this issue, I have put together resources on how we can possibly wind down and benefit from more intentional quiet and less noise.

As the world enters a recession, the upcoming year can pose a challenge for many due to increasing economic uncertainty, and the natural fears surrounding it. In this issue, we look at some trends and possible actions that can help us become more emotionally and financially resilient to not just ride out the challenges, but rise above them. I hope this gives us hope.

We live in three distinct timeframes - the Past, the Present, and the Future. Many times, we tend to live and make decisions based on what gives us immediate gratification, and often to our detriment. Despite not knowing what tomorrow will bring, planning ahead removes uncertainty and provides clarity to our lives. In this issue, I have included articles that I hope will inspire you to take actions that your future self will thank you for.

Many of us lead busy and stressful lives. Even when we may be caught up meeting deadlines, sprinting towards our next goals, or looking after our families, we cannot neglect taking appropriate breaks for our well-being. While it may feel counter-intuitive to do so, sometimes the best thing is simply to step away from the four concrete walls to go for a walk outdoors. It refreshes the mind, body and soul, and is beneficial for our health and creativity. So let's lace up our trainers and walk our stresses away.

In an environment of rising inflation and uncertainties in global geo-political climate, almost no one is spared from the economic consequences of the day. It is therefore more important than ever to be intentional and mindful in how we manage our finances in our daily living. Here, I have put together some resources which you can tap on to help you gain a better insight on how you can be more savvy with your money.

Every one is different, and differences in opinions, interests, backgrounds and personalities tend to come with conflicts. Whether is it our co-workers, friends, family members or even our partners, disputes are not only common, but they're natural and sometimes inevitable. The question is, while such conflicts arise, how do we navigate them? Do we attempt to work through issues amicably with others, or do we allow our egos and emotions to rear its ugly head? Today, we look at practical tips on how we can manage ourselves and relationships in more mature ways.

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.

In life, there are days and moments where everything we do does not feel enough, or face situations that are beyond our control. A common response to such instances is to doubt ourselves and our abilities, and that is a very normal and human thing to do. But the effect of self-doubt can cut both ways: It can either spur us to achieve our goals and thereby boost our confidence levels, or cause us to feel entirely powerless and paralysed. Fortunately, whether we allow it to work for or against us is mostly up to us. In this issue, we will explore the ways in which we can harness self-doubt to build confidence -- one step at a time.

Statistically, most people live till an average age of 80 years. Although this number varies across cultures and nations, we cannot deny that life is still all too fleetingly short. 80 years a lifetime translates to 80 summers and 80 winters - to love, laugh, live, and make the most of our time on this earth. Far too often, when faced with our mortality, we look back at our lives and think of all the things that could have been different. Regret may sometimes be inevitable, but it is still possible to live an unlimited life with the limited time that we have. In this issue, we look at some of the ways we can do so.

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.

Life can be unpredictable with obstacles, making it sometimes difficult to stay afloat. Whether it is the loss of a loved one, stress from work, or financial woes, everyone faces challenges and does at some point, struggle with remaining optimistic or hopeful. Nonetheless, it is still important to maintain positivity to keep us going; by finding the good in the bad, and being the light in the darkness. For this issue, let us explore on what being positive means & how we can harness it in ways that truly benefit our lives.

As humans, we have an innate need for connection and approval from others. Often, we make an effort to gain validation and this is natural. Yet, in our world today, this need for others’ approval becomes magnified; as many of us are constantly plugged in on social media, we tend to get caught up in the pursuit of “likes”, “shares”, “follows” & engagement. These can have implications on our mental well-being and happiness. Through this issue, I hope that we can be more aware of the impacts & risks associated with excessive use of social media, and what we can do about it so that we can live out our best lives.

It is a season of feasting, socialising and spending time with our family and friends. Amidst the bustle of festive preparations and joviality, let us not forget to take care of our well-being even as we celebrate this time of wealth, health and happiness. Stay safe, savvy and prosper!

By this time, we would have endured quite a long period of the COVID-19 pandemic and many things have changed. Collectively, we have adapted to new ways of living, working and socializing. While there is no telling of when this pandemic will truly “end”, one thing’s for sure: Life goes on. The best we can do is to continue to look towards the future and live out the best we can. As we head into a new year, here are some predictions and trends we can look forward to.

In times of uncertainty, it’s easy to get overwhelmed. With the COVID-19 outbreak, we are faced with the challenge of adapting life around the virus and navigating intense market volatility. This leaves many of us feeling anxious and even disempowered.

Confucius, the Chinese philosopher, left us with these words to contemplate: The man who asks a question is a fool for a minute: the man who does not ask is a fool for life. As the year winds down, it is time to reflect on some popular and widely - accepted beliefs and misconceptions that we may hold that do not serve us in achieving our goals and desires. Today, we look at debunking some of these misconceptions to expand our thinking and explore new perspectives and horizons.

In meeting the demands of work and every day life, many of us can feel compelled to do all things at once, and may become overwhelmed or less effective as a result. To counter this, it is worth taking a moment to adjust our pace; to give ourselves the space to practice taking one step at a time in the ways we perform our tasks and how we manage our minds & emotions.

As human beings, we are a culmination of our environment, decisions, behaviours and habits. It is worth giving thought to how we live our lives; taking a step back to reflect on some of our own less-than-ideal tendencies and ponder about how we can mitigate or improve upon them. Here are some resources that I hope can help us foster habits and patterns that can create an upward cycle for ourselves over time.

In a world where more of us are increasingly working remotely, the issues of exhaustion, burnout and digital fatigue have become more pronounced in recent times. The implications on mental health and quality of life are real. Here are insights and resources that I hope can help us better understand the nature of the burnout that we may experiencing. More importantly, we can learn to manage, uplift ourselves and also the people around us.

Leadership is the act of guiding a team or individual to achieve a goal through direction and motivation -- and there is a leader in all of us. This issue contains insightful resources and pointers that touch on the various under-talked about but important aspects of leadership. I hope this inspires us to not just exercise good leadership in our daily lives as individuals and organisations, but more importantly, help us get through and thrive even in difficult times.

As our personal lives get increasingly intertwined with our work in this season, it becomes more important than ever to find ways to devote our energies to become more effective & productive as individuals. Here, I'd love to share with you on some resources and powerful ideas on how we can not only become more productive, but also make our work & daily life more meaningful in the process.

What does it mean to lead a good life? The meaning of a good life, or life for that matter, is subjective. But there are some evergreen truths and wisdoms that we can all live by that help us gain the most out of life even through obstacles and challenges. In this issue, I have put together for you a series of insights, tips & advice by some of the best thinkers throughout history on how to live out a good life. I hope these resonate with you.

Dignity is the state or quality of being worthy of honour or respect by virtue of being human, and every person has an intrinsic need to feel valued and needed. Yet, in our world, there is often a gap between the ideals and realities of how dignity is accorded to individuals across age, gender, social statuses and financial positions. In this issue, I'd like to bring attention to the topic of dignity, and the ways which we can protect & honour the dignity of others and ourselves.

Women have long played a huge part in our society and economy. When it comes to uplifting women, the work extends beyond just international women's day or month. In fact, it requires continuous effort from not just leaders, but also every day folks like us to recognise and appreciate the great potential of women in our lives. In this issue, I'd like to share insights on how we can be enablers of women's progress while staying aware of the realities and struggles they may face. I hope this helps us in empowering the women and girls in our midst.

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.

As we begin a fresh year, it is a good idea to not just evaluate ourselves based on the previous year on how we have been managing our lives, but also to find out ways to become more productive as we move along. In this issue, I'd like to share with you some powerful ideas on productivity and how we can make the best of our resources, time, energy and capabilities. Let's do this!

In the words of Poet Ali in his TED Talk, "Every language we learn is a portal by which we can access another language"; the more we know, the more we can speak. To round off the year, I'd like us to take a moment to learn new concepts, stories and ways of seeking and connecting, which will empower us to adapt to the needs of others & ourselves in the way we relate, love, heal, and see possibilities. I hope this inspires you.

In a year where many of us are affected and perhaps feel powerless over our incomes amidst a pandemic, it is a good time to take stock of our financial health and confront our feelings about them & the way with deal with them. Whether we are young, middle-aged or senior, here are some important principles & practical tips on money management that we can fall back on which can go a long way into helping us optimise our finances and become financially wiser.

All of us would have people around us that we learn from in our lives. And people whom we in turn teach and need to be accountable to at some point - as students, working adults or parents. The better we are at relating and leading others into growth, the better we become as individuals. In this issue, I hope we can draw some lessons and wisdom from these materials that can help us cultivate values and cultures that we want in our lives and lift us up.

As humans, we often like to think we're right, even when we can be wrong at times. Many of us have the unconscious tendency to seek information that support our existing beliefs & disregard or undermine those that do not match ours. But doing so without awareness or questioning can have adverse effects in the way we think, make decisions & live our lives. Today, I'd like to share with you some potential consequences of confirmation bias & what we can do about them.

The world as we know it has changed for good on pretty much every level - from our lifestyles, to habits, to incomes and economy. As we navigate our way and find our place in trying times, it is important to stay grounded and keep the faith as we focus on seeing and creating opportunities, solutions & meaning. While there are no quick fixes in times like these, there's still a space for us to find ways to improve and cope better in our lives. I'd like to share them with you in this issue. Let's keep our heads up in choosing to persist in hope & good thoughts, and I believe we will emerge stronger than before.

As they dedicate their love and lives to their households and make constant sacrifices for their family’s & children’s well-being, mothers never retire. For all these, moms deserve more thoughts besides during Mother’s Day. But should mothers also think about planning their own retirement — financially speaking? In this issue, as we give tributes to all mothers, we would also like to give thoughts to a mother’s financial freedom. Mothers deserve a worry-free retirement as well.

Albert Einstein said, "Compound interest is the eighth wonder of the world. He who understands it earns it. He who doesn't, pays it."

Today's phone in our pocket has 100,000 times the power of the computer that landed man on the moon 50 years ago. Our world is evolving at breakneck speed today. The World Economic Forum projected that more new jobs will be created compared to the ones lost. Uncertainty remains about what these new jobs would be. But the time to change our approach to learning new skills has come. The time is now. The 4th Industrial Revolution has begun.

There are many new things to deal with at this time while we are being isolated from life-as-usual. A new lifestyle, a new future and something that can be quite subtle - a new kind of burnout. It should do us well to be aware about this so we can learn to disengage when we need to. I wish you and your loved ones good health and may you continue to stay safe!

Amidst a pandemic, the profound impact & discomfort of loss or the prospect of loss is felt almost universally. We may find ourselves and even those we care about feeling anxious & restless, which makes it challenging as we find ways to adjust not just physically, but also mentally & emotionally. At this time, emotional support for one another becomes ever more essential. Here, I'd love to share with you insights that can help us have a deeper understanding on the complex emotions that we may be dealing with, & the ways in which we can provide meaningful social support in our daily interactions through being present & holding space for others.

What the eyes cannot see is bringing countries to their knees as we write. The full impact of Covid19 is still unknown. It has ushered in a new reality for the World. Our lives will never be the same again. And Covid19 won't be the last. While we #fightasone, let's see how we can prepare ourselves and our children for this new future - together. Here are some good reads that I believe can help us rethink this new future and its possibilities. If you find these resources useful, please forward them to those you care about, especially at a time such as this. Cheers!

Here's wishing you and yours a very fruitful 2020, and the best is yet to come! Another year, and what better way to start it with a collection of thoughts that might turn out to touch your life for the better? I hope you could find something useful and share along with those you care about too. Cheers for a blessed 2020!

When the going gets rough, it can at times be easy to lose sight of what we set out to attain in our lives, be it in our personal endeavours, work or finances. The process of going & pushing through such situations may not be most comfortable, but persevering and talking about how to handle them is necessary. These are perspectives I found useful and inspiring. I hope this gives you hope.

In many ways, relationships are key to our well-being, as trusting, fulfilling relationships lay the foundation for our emotional health and security. But to work through relationships and trust matters aren't always linear or clean - they can be messy and raw. Here are some articles that I found incredibly valuable that enrich us in our personal and professional lives.

Change is hard. To force change is harder. They usually don't last. Perspectives however, are easier to accept. They change our minds and maybe that's what we need more than change itself. I hope you enjoy these articles.

These are some rather transformative articles that could help you and those you care about. So please be free to share them. I hope you find them beneficial. If you like them, do drop me a note and I'll be very glad to know I've added value and touched someone.

The lack of sleep being linked to chronic illnesses like diabetes and heart disease isn't a happy story. Certainly not for those of us who are more conscious about building happiness in life. Please share this newsletter issue with those you care about. We can impact lives together!

The Bucket List - chances are that you may not have made one. It is an interesting journey that we can take together. It's also a lot easier taking a peep at some of the most inspiring bucket lists that we have put together to share with you. Let's start one and live it out!

Since our taste buds are not working like black and white TVs. We know it's meant for some tasty good food. Yummy! Let's stay healthy, and also up our knowledge about making some nice interesting food. Here are some really good resources curated for you.

There's a man in Singapore, that every time he concludes a business deal, he would go buy a plant and plant it somewhere. It's a simple way of giving back. He was also able to disengage and be with himself while doing something meaningful, albeit how simple it was. In this issue are some more examples of such life's lesson that we can benefit from. All we need, is to just take some time, slow down and breathe in the fresh air.

There are just too many things that we know to be good for us, but have not yet become a part of us. Applying wise financial habits may be one of them. Here are some to learn about by seeing them from the eyes of a very successful woman - Oprah Winfrey. Change requires conscious efforts. I hope some of these thoughts will begin to be a blessing in your life. Cheers.

In case you missed the news, besides the big 3 - US, Russia & China, tiny Singapore would be the next to send a human into Space using a helium Stratospheric balloon capable of lifting an SUV. This is a 5 years arduous journey filled with many inspiring stories. A Visionary who saw the possibilities, followed by 150 applicants to be Singapore's first Astronaut, and finally an extraordinary individual to make the trip, laying his life on the line. Yet his project isn't about Space. It's about creating a better mental model for Singaporeans - that with the heart, mind and grit, we can do great things. Enjoy this historic moment.

Or rather, this issue is about learning the secrets of being interesting. Even calling it a secret is a little too much. In today's world of overwhelming information overload, it's about paying attention to certain things that some people do to make themselves more interesting than others. We can all do better in life with a little dose of this knowledge. So let's dig in!

In this issue, I'd like to do something different. All of the highlights are very interesting videos from TED talks about the way we think. The videos are between 15 to 30 minutes, but they are well worth your time I promise. Hope these resources will help create marginal changes in your life every so often. Let's be enlightened together!

Research seems to point to the fact that those who engages in deeper conversations with others are happier people. This is what I call a happy finding. It levels with what makes us human. We speak, we listen, we feel, we learn, we take and we give. And deeper conversations allow us to lift each other up.

In the last issue, we discussed how robots will change our lives in the future. It has become increasingly important for us to keep our minds on the ball, stay sharp and stay progressive. If half the jobs in 2020 are yet to be known to us, how can we prepare ourselves and our children today? To face a fast changing future, we need to first understand it. We need to try and take a peek into this future and start to embrace change.

We have come to a very unique juncture in time, where we are transitioning into the 4th industrial revolution. This is a time where technology as we know it will start to escalate in its rate of change. Our lives and jobs will surely be impacted. But how? It is time to consider this and take stock of where we might stand now and three to five years later.

From a parent to a child, between friends and professionally in the workplace - there's something special about the role of story telling. And we've a lot to learn from the world's great story tellers. Some of the best are comedians, public speakers and politicians. But there's more. I hope the following articles will help you get started in this interesting journey of learning and exploration.

It's been a while since the subject of Retirement was discussed. In this issue's video, it's quite interesting to see how children have different ideas about Retirement. I'm sure all of us have our ideas as well. Yet life can mercilessly erode these dreams. But not if we are really serious about them. So how serious is your retirement dream?

The future seems to come at us at a faster pace than before. It brings along with it many questions. Will automation take over our jobs? What new jobs will be created? And which existing ones will be obsolete? How can we survive? Yet some things don't change. Understanding the things that will change and those that won't can help us carve out a better future.

Most of us find it hard to change even when we know we need to. If only it's as easy as a walk in the park. But once in a while, a certain change of perspective is all it takes. Hopefully, today can be one of those time for you. We can gain some insights and wisdom from these articles that are worth sharing.

Do we need to get better at time management? Or do we need to instead think about Time itself? More specifically, what it means to us - with the very limited time that we have. The answer would be different for each of us. But I'm rather certain that taking time to ponder about Time itself can be a fruitful thing to do.

The World Health Organization's latest report says diabetes has quadrupled in the past 34 years. It's certainly something that we should care about. Not just for us, but also our loved ones. Here's a starter to help us understand and prevent this disease better.

Health is important, so is a good life and great food! One of the great thing about being in Singapore is that there's always new food places to explore. In this issue, I'd like to bring you to a couple really good yummy places - wrapped up with a hilarious video you don't wanna miss.

Singapore is growing as a cultural center. But why is Art important? And how can Art, in its many forms make our lives better? Deep within all of us, there's a need for expression and appreciation. There's certainly more for us to explore and learn about Art. Do not miss the video below. Oh how beautiful this is ~ a celebration of art and life!

It is always quite refreshing to discover new things about our health. In this case, Vitamin C is one of those surprises. Do watch the video below till the end ~ it could be a life saver. But please seek your doctor's opinion as well.

The more we read, the more we can share. And sharing is caring. Here are a few interesting articles I'd like to share with you in this issue of my newsletter. Remember to pass it along to those whom you care about too.

It isn't the bucket either. One good news is that more people are now surviving cancer. The other good news is that life expectancy has increased from 75 to more than age 80. But hold that thought for a moment - it's only good news if one is financially prepared to survive such a critical challenge.

We may have thought that creativity is a realm belonging to a selected few. But is it? In this issue, we explore together some interesting stories that may strike a chord of inspiration for you. You can be creative too.

Testimonials & Referral Notes

Meet someone interesting

Working with Efon and Rachael has been rewarding. They optimize my existing plan, and ensure I was getting the maximum value possible. Thanks to them, I feel protected as my hospital plan now has full coverage. Additionally, I feel supported long after the paperwork was done, with prompt response and regular follow-ups.

Michael Siew

Always a step ahead

Efon delivers outstanding value through her level of service and support provided. She consistently provides updates through annual review of my existing policies to keep me informed, and also takes an extra step to understand my needs and provide advice based on my needs. I feel comfortable and assured having her as my insurance agent.

Wei Ting ( Accountant, Integral Ad Science )

Meet someone interesting

I appreciate that Efon stays in regular contact to review my policies and provides suggestions that align with my risk profile. She communicates openly and offers her professional opinion with my interest in mind. I trust her judgement and am pleased with the service she provides.

Valerie Yoong

Meet someone interesting

I appreciate how Efon always brings objectivity and sincerity to our regular annual reviews. She takes effort to find out about plans that are not purchased through her in order to help me make informed decisions.

Colin Wong, Vice President UOB Bank

Meet someone interesting

Efon delivers outstanding value through her clear and professional explanation of the policy she recommended to meet my needs. Her knowledge helped me achieve my retirement securely. I highly recommend her to anyone looking for an insurance agency that puts customers first.

Ong Yee Leng, Deputy Contracts Manager

Value-add Financial Services

Hi All,

Efon delivers outstanding value through her service. Her unique approach has helped me to achieve my target benefit. Her professional and dedicated service has made a lasting impact on my business.

Regards,
Jason Ng, General Manager, Raja Golf Pte Ltd

Peace of Mind

Hi All,

Efon has been my trusted insurance agent for several years, and working with her has always been a seamless experience. She is incredibly reliable and efficient, consistently ensuring that the insurance renewal process is smooth and hassle-free. Her deep expertise in insurance matters and her proactive approach have given me great peace of mind, knowing that I’m always well-covered and up to date. I highly recommend Efon to anyone looking for a dependable and knowledgeable insurance agent who truly puts her clients first.

Regards,
Tuti, Marketing Manager, St
Joseph's Institution International

Life protection for my family

Hi All,

I am writing to express my sincere appreciation for the outstanding service Efon have provided as my insurance agent.

Her professionalism, prompt communication, and thorough knowledge have consistently exceeded my expectations. Whether answering my questions, guiding me through policy options, or helping me navigate the claims process. I’m blessed to have her as my Financial Service consultant 🥰

Regards,
Catherine Chang, Manager, Shipping company

Policy Review

Hi Everyone,

I want to sincerely thank my insurance agents, Efon and Shamir, for their outstanding service and support. They helped me plan a solid and well-thought-out retirement strategy, and I now feel confident and secure about entering my golden years.

They took the time to clearly explain everything in a way that was easy to understand, and they were always available to answer my questions and guide me through the process. Their professionalism and genuine care made me feel completely comfortable every step of the way.

Thanks to Efon and Shamir, I now have peace of mind knowing my future is in good hands.

Regards,
May Kong

My agent, My friend

Hi Everyone,

In 2016 when I had my first baby, I approached a few agents and I can’t find the feeling of building a lifelong relationship with them. Just then, as fate would have it, I came to know Efon and Eugene.

As a first time mummy, I just have so many ‘don’t knows’. Through a few meetups, with Efon and Eugene, I changed my perspective of an insurance agent, meeting up is not a must buy! They listened patiently, analysed my many 'don’t knows" and came up with the remedy, gave professional recommendation. Efon is also a mummy, she knew my thoughts and doubts. My family is really glad to know Efon and Eugene. We have a piece of mind that they now help to handle our family policies.

Regards,
Jade, Managing Director, Tiro Metal

Estate Planning with Efon

Hi Everyone,

Efon is patient and attentive, taking the time to truly listen to my needs and concerns. She went above and beyond to work out the best solution tailored to my situation. From my experience, Efon consistently prioritises her clients’ interests, demonstrating transparency, trustworthiness, and authenticity in all her dealings.

Her thoroughness and meticulous preparation instilled confidence in me at every step. I felt assured and supported throughout the entire process of legacy planning, knowing I was in capable hands. I highly recommend Efon to anyone seeking professional and compassionate guidance in estate and succession planning.

Regards,
Emma, Corporate Communications Professional

ESTATE PLANNING

Hi All,

Recently, Efon had helped me to set up both my Will and Lasting Power of Attorney. She was detailed and assisted me in understanding the benefits and process of doing my estate plan. Knowing that my family is aware of my final instructions and wishes is a huge peace of mind for me. If you are looking for someone reliable and responsive to assist in your estate planning, you are in good hands with Efon.

Regards,
Joanna Yeo, Director, Biz Global Services Pte Ltd

Financial Planning for my family

Hi Everyone,

I have consulted Efon on various financial planning process. She has been very attentive and patient throughout the process. She listened to me and furnished the most suitable option to safeguard my family's balance sheet. She also utilised the latest financial planning tools to provide the clarity and map to achieve my goals. She has been genuine and sincere in our interactions. I would recommend a chat with her to possibly benefit from her financial advisory services like I did.

Regards,
Steven Lwi, Chief Corporate Development Officer, EXEO Global Pte Ltd

My AIA Agent

Hi All,

Efon inherited the servicing of my AIA polices after my agent retired. She made the efforts to go through with me all my existing policies, and also updated me on the major changes to my hospitalization plan. As a result, I'm able to save hundreds of dollars in premiums. Throughout the past 3 years, she has been prompt in assisting my queries on my polices though I have not bought any new policy under her. I am happy with her and would recommend you if you are looking for a dedicated, reliable consultant. What touches me most is that she is selfless and goes beyond to assist on other matters outside of insurance. Truly a selfless person and one I can call a friend.

Regards,
Laurence Tan, Owner of Decofix DIY Store

A Friend Indeed

Hi All,

Efon has been conscientious with updating me on the changes of our family's hospitalisation plans as well as policy reviews. We have benefited from it when we avoided paying extra few hundreds in premiums after a recent hospitalisation episode. She's always in touch and I know I could always reach out to her. Do consider having a chat with her if you are looking for a dependable financial advisor.

Regards,
Jeanette Ng, Investment Portfolio Counsellor, Citi

Family Estate Planning with Efon

Hi Everyone,

Efon has a genuine interest in helping us come up with a will which expresses what we are looking for at this point. During the process she is patient and gives us sufficient time and space to think through what we want out of this exercise. She will also guide us into thinking about aspects which we overlooked and gives practical suggestions when we are stuck. More importantly the entire process allows us to have a clearer view of where me and my husband are and what we need to think through as we prepare to pass our assets to our loved ones smoothly.

Regards,
Yeo SW, Finance Professional

Family and personal insurance

Hi everyone,

I'd like to express my gratitude to Efon for her exceptional attention to detail, patience, and genuine desire to assist me with my insurance coverage. She went above and beyond to ensure I fully understood my path to being well-covered for life. Thanks to her, I now have peace of mind knowing I am clear about my insurance.

Regards,,
Pei Ying, Director, Light Chiropractic

Family Insurance

Hi all,

I’ve known Efon for about 6 years now. And she’s a dear friend whose kind, understanding and one with a lovely heart who cares to listen and ever ready to help!

And naturally when I had to choose someone to manage my family’s health policies she was my go-to person.

It’s been such a breeze working with her & she’s very efficient & on top of things. She takes time to explain every single detail patiently

And when I had to do a travel insurance claim for my husband recently she handled everything effortlessly and I did not have to stress about anything

I would highly recommend her if you want someone who is genuine & truly cares about yours and your family’s health and financial needs.

Regards,
Anne Goswami, Director, Affluent Trade Management

Meet Someone Interesting

Hi All,

Efon has been very helpful with my policy and responsive with my claims. She has also assisted me for my Will, LPA and AMD. I find her dependable, and highly recommend that you have a chat with her for your wishes planning.

Regards,
Henry Mak

My Financial Planner

Hi All,

Efon has been assisting me with my financial planning over the past 2 years. She is in touch with me regularly, had followed up promptly, reviewed and recommended options that benefits me in the long run. With the consistent reviews, I have a clear picture of what and how my insurance plans will serve and benefit me in the future. I appreciate the clarity she has been providing. May she be of value to you, like she is to me.

Regards,
Michelle Lim, Corporate Banker, HSBC

A Trusted Financial Planner

Hi all,

Efon is sincere in getting to know her clients at a personal level and providing professional advice thereafter. She provides detailed explanation and explains terms which might be overlooked.

Apart from insurance needs, she goes the extra mile to help my family and I, genuinely caring for us as friends. With her, I have confidence that my family and I are financially insured in the years to come.

Thank you Efon!

Regards,
Jan Teo, Teacher

Happy with the great assistance rendered

Hi All,

Efon was assigned as my servicing agent around 4 years ago. She is responsive when I needed assistance. She is very patient and friendly to an elderly like me.. During one of our chats, she noticed administrative gaps and quickly assisted to close them. She also helped me to reinstate Careshield to ensure I have long term care coverage. I am happy and lucky to have her as my AIA agent. I will gladly and strongly recommend her to any of you who need good and prompt assistance.

Regards,
Alice Geuo, Retiree

Well-Balanced Financial Planning

Hi Everyone,

I was first contacted by Efon because the policies bought by my dad years ago required review. I am glad she took over our case and did a comprehensive summary which made it easy for us to decide what was best. I was impressed by her knowledge that I continued with her to review my own portfolio.

The initial purpose to engage her service was to enhance my investment planning. However, Efon realized that I am lacking in protection. She was not pushy during our conversations, gave updates periodically and time for me to make my decision. Because of her, I am having a well-balanced portfolio now. Her professionalism and patience are worth commending.

I strongly recommend anyone to have a chat with Efon. She is one of the best consultants that I have ever come across.

Regards,
Wen Hui, Senior Operations Executive, SBS Transit Ltd

GREAT CATCH UP WITH FRIEND

Hi Everyone,

Efon has been a trusted friend for almost 16 years. She is reliable, dependable and proactive. I am pleased with her service. Do consider hearing her out and you will see what I meant.

Regards,
Dr John Lim, Founder and Owner, ACC Institute to Human Services

Health and Retirement Planning

Hi Everyone ,

I'd like to express my appreciation for Efon's efforts to get me protected from potential hospitalisation bills. She did not stop when AIA didn't consider my application and went the extra mile to successfully secure a cover for me.

Additionally, she used a comprehensive software and clear concept to derive my retirement shortfall before recommending plans to me. I'm glad to be able to make good financial decisions with clarity based on my needs and budget.

Thanks Efon !

Regards,
Karine Chow, Vice President at Societe Generale

Family Estate Planning

Hi All,

I'm glad to have Efon work out my Estate Plan last year. She answered all my questions promptly and patiently. She also asked the right questions and drew out my concerns. As a result, I'm able to have a thorough Estate Plan that gave me a peace of mind. I know with certainty that me and my family are well taken care of when I am not able to do so. Do consider having a chat with her for your Estate Planning.

Regards,,
Jasmine Kwok, Director, Compitek Corp Pte Ltd

Estate Planning

Hi All,

I took up Efon's invitation to do Estate Planning after a health scare in late 2018. It was an awakening call for me and my family that it might be too late to plan my wishes for them. Efon was detailed, consultative and patient throughout the process. She brought up scenarios which I wouldn't have thought of on my own. I'm feeling assured now as I've equipped and empowered my family to fulfil their dreams regardless where life will take us.

Regards,
Elaine S

Enhancing Medical Insurance

Hi Everyone,

Efon is very diligent in ensuring my understanding of the plans I had purchased and the extent that my family is protected from unforseen events. She made a point to update me on my investments and medical plans at least twice a year. I am also invited and informed of client campaigns and webinars. I truly appreciate her professionalism and efforts to go the extra mile.

Regards,
Eugene Sng, Director, Stellent Networks

Secured a better safety net for me and my family

Hi Everyone,

I've known Efon for more than half of my life. She's a friend who has kept in touch all these years. The busyness of life kept me from reviewing my insurance portfolio and she was never judgmental or pushy. When I've finally found time to enhance my protection plans, she explained in detail and helped me to choose what's best for me and my family. The plans were set in place swiftly to secure a safety net for us. I'm glad to have this peace of mind through her.

Regards,
Chien Nee, Private Tutor

The Beacon of Light and Strength

Hi Everyone,

Thank you so much Efon for your professionalism and patience. Throughout the whole process of drafting the wills, you had always provided excellent suggestions to my questions. I never felt that you were pushing me to complete the wills. It was always with my concerns that came first. We became friends during this time. What a pleasure! Thank you also for indulging in me and giving me more than enough time to review the wills. I will not hesitate to recommend you to my friends and family!

Regards,
Beng Li

Critical Illness Plan for Son

Hi Everyone,

Efon helped me to optimize my finances by reviewing my insurance portfolio. Through her, I've enhanced my Disability Insurance coverage and I've also took her advice to not purchase more Critical Illness plans till my annual income has increased. I have just bought a Critical Illness plan for my son from her last month. Look forward to having her around for trusted financial advice.

Regards,
Isu Tan, Business Owner of a Global Franchise

Critical Illness Protection for Children

Hi Everyone,

I've known Efon since our university days. She comes across more as a friend helping with my financial and insurance needs rather than a hard-selling insurance agent. I have a clear idea of what I want, and she is able to understand my background and needs and to advise accordingly. It's always a pleasure to catch up with her over lunch and coffee while she updates me on new plans and products that may suit my needs. Keep up the good work!

Regards,
Kelly, Senior Accounts Manager

Retirement Planning

Hi Everyone,

I have known Efon for several years and only in recent year did I transferred all my AIA insurances to her for her to help manage my AIA insurances and investment portfolios. Efon is very engaging and knowledgeable about her products., She is never pushy but maintains patience when addressing all my queries and doubts. She is also very thorough when explaining her products and her advices are sound and relevant. I am comfortable and confident that I am in good hands. Trust is important when you have a strong partnership with your Financial Consultant and I am happy to find this with Efon. Wishing one and all a very Blessed and Memorable Christmas! God Bless!

Regards,
Catherine Chee, Regional Procurement Manager

Annual Review

Hi Everyone,

I've heartfelt thanks for Efon's genuine concern for me. She took pains to explain the importance of bridging financial gaps for the sake of my family.

Even after the policy has been incepted, we remain as good friends and have went out together with our families a couple of times. I'm so glad that this relationship isn't transactional and look forward to counting on her for my family's insurance needs.

Regards,
Tan Cheow Cheow, Quality Engineer

Comprehensive Critical Illness Plan for Daughter

Hi All,

I've known Efon for more than 14 years and she is one of my bosom pals. She respects my decision when it comes to financial matters, and is not pushy. When I heard about the Power Reset for Critical Illness plan, I immediately got it for my daughter. Then, there's a plan upgrade exercise the following year. Efon tried her best to upgrade the plan for my gal even though I've returned to Hong Kong. I am very pleased to have this peace of mind that my gal enjoys all-rounded critical illness protection and also confirmed that I can certainly rely on her for me and my family's insurance needs.

Regards,
Angela Lee

Holistic Planning

Hi Everyone,

I've previously engaged Efon to enhance my children's protection plans. She keeps in touch regularly, not to sell me more insurance plans, but to provide me updates on financial matters. Recently, I acknowledged the importance of Estate Planning by getting her assistance to put in place my Estate Plan. The process made me realised there's certain truth to the saying "begin with the end in mind". Thank you Efon for the value you've brought me.

Regards,
Jamin Ong, Private Banker

My agent and long-time friend

Hi Everyone,

Efon believes in the importance of a holistic health insurance. Her convictions was evident in how she consistently followed up, in spite of my busy workload, to ensure my potential medical expenses will be adequately covered. Now, my wife and I have a peace of mind that our savings wouldn't be wipe out should bad health beckons. Not only does she care for my medical insurance, she also cares for me personally, just like a friend! I know that I can trust her, come what may. Thank you Efon!

Regards,
Jarrett Wong, CRM Manager, Zalora Group

Estate Planning

Hi Everyone,

"When you are in Heaven, don't leave your loved ones in Hell." Estate Planning is often avoided because of its unpleasantness. However, I've chosen to embark on asset distribution with Efon's help to make sure I leave behind a legacy and not a mess. Thank you for your advice and insights in maximising my family's estate!

Regards,
Jacqlyn Lee, Real Estate Consultant, ERA Realty Network

RETIREMENT PLANNING

Hi Everyone ,

I've known Efon for more than 3 decades. She has always been a dependable friend whom I know I can turn to. Naturally, I got her to set up my retirement ATM before it is too late. I am assured that my plan is in good hands!

Do check in with her on growing your retirement funds like I did!

Regards,
See Minghui, Assistant Vice President, Bank of America Merrill Lynch

Savings and Investments

Hi All,

Efon shows commitment and expresses great knowledge in her work. She ensured that I have the right idea about the savings plan I was looking for. She took the time to explain from the basics, as I have zero knowledge of it, to make sure I've understood before proceeding. To me, she's not just an advisor, but someone I look up to and seek advice from.

Above all, I am fortunate that I have known her.

Regards,
Daryl Neo

My expectations of a Financial Consultant

Hi Everyone,

Personally, I expect my Financial Consultant to be:

1) One who is dependable, reliable
2) One who is trustworthy
3) One who is honest enough to share his/her opinions even though it's not something you wish to hear
4) One who is patient, answering all administrative queries on repeat
5) One who keeps abreast with all the news/updates in the insurance world and informs his/her client
6) One who crosses the line and tries to build a genuine friendship
7) One who is not afraid and has no reservations to share his/her personal experiences without being judged
8) One who is disciplined with his/her time and tasks.

Efon is all of the above and much more. I'm so glad our paths have crossed.

Regards,
Kristina

Annual Review

Hi Everyone,

Efon was assigned to our family last year, after my dad's insurance advisor had left AIA. During the first meeting, she did a review and listened to dad's priorities and objectives for me and my sister. He accepted her proposal, and she kept in touch with us regularly.

During this year's review, she helped our family to save $432 annually, kept the same level of protection and enhanced the plans' returns. I'm very pleased with her initiative. I look forward to having her take care of the family's insurance needs for the years to come.

Regards,
Si Ying

Accumulation and Investment Planning

Hi Everyone,

Efon has always been patient, professional and meticulous in her help and advice rendered to me for many of my insurance needs.

Above all, her efficient and effective manner of operating her actual huge assets lies in her strong sense of values and great belief in ethics and her advisory for me.

Regards,
Anne Marie Gutierrez, Creative Director, Metamorphosys Training Consultancy

Capital protection and creation

Hi Everyone,

I have known Efon for years. With her consistent and trustworthy personality, taking up a policy with her needs no second thoughts. Indeed, my plans are well taken care of by her!

Efon is professional, responsible and committed. She updates me regularly and helps to monitor my plans closely which I appreciate much. She has high integrity and will help you make decision on the plan based on your needs instead of her personal benefits.

Efon, thank you!

Regards,
Ching Pei

Financial Planning after Graduation

Hi Efon,

Being the first time doing my own financial planning, I am grateful for your time and patience in answering all my queries.

Thank you Efon for the detailed clarifications and your guidance has helped me to understand simply and clearly the importance of the different plans available. Hence, I am completely aware of why and what I currently need and should be buying.

Really glad to have you as my Financial Consultant and wishing you all the best!

Regards,
Jocelyn Yong

Hospitalisation Claim

Hi Everyone ,

I am grateful for a dependable friend and agent in Efon. As an independent business owner, if not for Efon's concern that I get adequate hospitalisation coverage, I would not have had peace of mind when I was unexpectedly hospitalised not once but twice for nearly three weeks over the past two months. Not only did I not have to worry about the five-figure bill, the cumulative cost of post-hospitalisation follow-up (I was once on daily medical appointments, and now am still required to visit the specialist clinic twice-weekly) was also taken care of by the value-for-money rider plan she recommended. Above all, I was touched that Efon personally visited me to bring cheer during this difficult time.

Regards,
Huang Kailin, Founder, Picture People Plan

Employee Benefit

Hi All ,

I truly appreciate Efon for all the speedy, courteous and knowledgeable services rendered to our company. Efon has been patient and handled our corporate account effectively. Most importantly, she listens and goes the extra mile to provide appropriate advice and solutions that best meet our needs. Her service to us is invaluable. Well done, Efon!

Regards,
Janice Teo, Royal IHC, HR Business Partner

Hospitalisation coverage for family

Hi All ,

Efon is passionate and genuine about helping people around her to be well prepared in case of illness and accidents or when crisis strike. She listens and understands my situation and financial budget before recommending the most suitable plan which fits my needs. She will not hard sell and always put her clients' interests first.

I am glad to have her as my financial consultant.

Regards,
MeeDing, Senior Credit Analyst

DISCLAIMER

This is not an official AIA web profile. The views and opinions expressed in this publication are those of the author and do not reflect the official policy or position of AIA Singapore Private Limited (Company Registration No. 201106386R) (AIA), any other agency, organisation, employer or company. Assumptions made in the analysis are not reflective of the position of AIA other than the author.

Cheong Efon

Chief Wishes Planner

Cheong Efon

Chief Wishes Planner

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