Yvonne Ho Pei San

Financial consultant

Yvonne Ho Pei San

Financial consultant

I have always believed that protection and financial planning is important and they are the best gifts for your loved ones. I am very happy to be in this career journey as it has always been my passion to be able to help people to fulfil their dreams and goals by protecting them from unexpected situations in life.

I look forward to walk together with you in this lifetime journey.

Work
- True North Financial, AIA Singapore Private Limited
Credentials

Newsletters

Articles Worth Sharing

Newsletter Issue 94: Cultivating a Grateful Heart

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.

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.

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

Patient, Understanding & Dedicated

Yvonne is very patient & makes the conversation comfortable to go through. She is also very understanding & helpful to recommend plans that suit my current situation and go through them clearly. She is also very dedicated and follows up often, never being pushy in any point of time. :)

Ximenez Soh, Interior Designer

Journey to Adulthood

Yvonne was very thorough and informative with her recommendations and advice. Especially now that I have just entered the workforce, I had felt that I had the financial capacity to get myself covered more comprehensively. She was able to strictly adhere to my budget without comprising on my concerns and overall coverage. Thank you Yvonne for guiding me in my journey to adulthood!

Luis Miguel Milleza

Reliable, Patient and Trustworthy

Yvonne is very patient and helpful, she is reliable and trustworthy, She patiently explain the benefits of the policies that suit me and although I have considered a few times whether to purchase the policy with her. Due to her friendliness and diligent person, I definitely will recommend my friends and families to Yvonne for insurance.

Sherney Song

Sincere & Informative

Yvonne is very patient and I feel comfortable with her. She is very informative and knowledgeable. And she is very sincere.

Tan Yiting

Patient, Pleasant and Informative

Yvonne is very patient and informative financial planner. She will listen carefully to my needs and recommend the plan accordingly. Besides that, she also follows up closely after sales to make sure the policy I bought suits my expectation. She is also very dedicated and hardworking. She will help to tidy and list up all the financial commitment and make sure I am comfortable with the premium before buying any policy. All in all, it is a pleasant experience and glad to have her as my financial planner.

Wee Chuan, Engineer

Wonderful experience on Financial planning journey!

I had a wonderful experience working with Yvonne for my financial planning needs. I was initially hesitant as I had encountered pushy agents before, but Yvonne was nothing like that. She patiently listened to my needs and provided me with customised solutions. She explained everything to me in detail and helped me gain a good understanding of financial planning. Her recommendations were tailored to my specific situation and wants, and she was never pushy or forceful with her suggestions.

Shawn Bernhard, Analyst

A Pleasant Experience

I had a pleasant time with Idawati and Yvonne. They patiently listened to my requirements and expectations, and were able to suggest some ideas based on my current situation. I especially liked that they were not very pushy or hard selling any products and gave me the space and time to consider my options.

Anirudh Ajith, Research Assistant

Fruitful session financial planning!!

It was a great session with Ida and Yvonne to know more about financial planning. I was really clueless about how financial planning is like and was always afraid of meeting people who hard sell their insurance plans to me. However, they are definitely not someone like this! Although I am a student and has almost zero knowledge, they could explain to me patiently and let me gain much knowledge about financial planning, thank you for the fruitful session!

Student

Helpful and Patient in hearing my request!

Yvonne is very helpful and patient in hearing my request. She explains the policies details well and gives good suggestions to cater to my needs.

Teacher

Portfolio review and financial planning

Thank you for your guidance! As a foreigner who first came in as a postgrad student + transitioned into full-time roles here, I didn’t know much about how insurance works in Singapore. Yvonne’s help has been valuable in making sure I have all important aspects of my coverage/planning taken care of. Friendly, knowledgeable and always offering clear advice and explanations. Thanks a lot!

Kate Loyola

Financial planning & Nomination of beneficiary

Yvonne Is a very helpful person. She is very initiative and proactive, taking a lot of interest in her friends that she makes along the way of doing her work. Truly an asset to the company she work for.

Wong Hon Mun

Financial planning

Yvonne is a great help and advisor to my insurance needs. She manages my insurance portfolio professionally, where she listens to your needs and provide solutions customised to your situation and wants. She's reliable and not pushy when it comes to insurance recommendations, and she takes the initiative to help me with my requests.

Ho Xin Ni

Protection planning

Yvonne is an outgoing person that forms trusts and friendship between her clients which makes it really comfortable communicating and asking questions when in doubt. Moreover, she’s a hardworking and diligent person who worked overtime so that she could provide insurance and safety to my family. I strongly recommend her as she is also very passionate to her job. Wishing you all the best to your future endeavours!!

Jocelyn Velasquez Mungcal

Portfolio Review and Protection planning

Yvonne Ho has been of great help. She recommends policies to what it suits within my financial needs within my financial means. She is reliable and easy going. She took the initiative to help me above and beyond. I would recommend anyone out there looking for a meticulous and professional financial advisor!

Leck Chew Yen

Policies Review & Recommendation

AIA assigned Yvonne to me after my agent left. She was very informative and was able to answer most questions that I've raised. She came in as a great help when I was trying to make a claim. I truly appreciate her intervention on the seamless claim process. Thank you Yvonne.

Doris Seah

Portfolio Review

Yvonne is very thorough in the financial review process. She is patient and not pushy. I am happy that she listens attentively to my needs.

Mabel Lock

Protection planning & Review

I will always refer everyone I know in need of insurance to approach Yvonne from AIA as I assure that you will not only get and best insurance product but will get a friend for life…

Shirley Eng Hsueh Lee

Portfolio Review

Yvonne is helpful and meticulous in servicing my insurance policy and claims. She makes it a point to check off various checklist of tasks during this process. This is especially important for me as the insurance claims process takes time and involves many steps. Yvonne also periodically reviews my insurance policy and recommends solutions to cover any coverage gaps, with concise explanations.

Goh Jie Ming Benjamin, Financial Analyst

Financial & Protection planning

Yvonne provided me with her valuable advice on financial planning process. She is a very friendly and easy-going person. Always listening to my needs.

Candice Kan, Analyst

Sharing on Protection

Its started when Yvonne visited our home and allowing a bit of conversation and the idea is attractive and decided to have my family to have insurance. :)

Allan Pangan Mungcal

Portfolio review

Yvonne is a knowledgeable, efficient and friendly agent. She goes the extra mile in managing the financial planning process for me. Whenever I have a question or concern with my insurance policies, she works on my concerns right away. I would highly recommend her.

Serena Goh Hui Yi

Meet someone interesting

Ms Yvonne Ho is a very patient person. I find her very passionate about her work. She too is quite knowledgeable with the products AIA had to offer. Most impt of all, she is not pretentious n are Frank with her opinions/view whenever I questioned or seek her advice. She is 1 who can put customer at ease and comfortable.

Mr Goh Eng Lam

Insurance portfolio review

Yvonne is very attentive and informative to AIA products detail and able to tailor to your requirement, need and budget. Explain in details and make sure you understand the product. Product recommend she will show you the illustration. A picture worth a thousand words.

Mr Tan Hung Heng

Protection planning

I was allocated Yvonne as my agent via the official AIA Portal and I’m so glad they did. She was extremely polite and professional. She promptly set up a meeting to explain options for the medical and accident insurance that I needed. Always punctual, she patiently explained the details of each plan and happily answered all my specific questions. She took the time to understand my actual requirements and made sure I choose the right plans and add ons. She always followed up on time, taking extra effort to arrange meetings after work hours and make things as convenient for me as possible.

Yvonne made me feel that she genuinely cares, I would highly recommend her to anyone planning to get insurance.

Ashok Machingal Narendranath

Financial planning & Nomination

Yvonne was very helpful and nice enough to walk through my brother and I through many insurance terms and policies. My brother and I do not have much knowledge and we are glad to have come across Yvonne. in this day and age, I feel that securing yourself with long term plans is very much needed. And if you are young and are looking into getting insurance, Yvonne would be the perfect candidate to walk you through the numerous insurance options.

Luis Miguel Milleza

Financial planning & Nomination

Yvonne is very informative and approachable. Making things as clear as possible and often asks if we/I have any questions. She always engages on friendly conversations, shows that she doesn’t only think of business but also build a relationship with her clients!

Cesar Enrique Araullo Milleza

Nomination of Beneficiary

Yvonne is very friendly, easy to converse with. She help me to understand the benefits of getting insurance in AIA.
She is very knowledgeable on what AIA is offering. This would never my start in AIA, might be getting some more plans in future.

Mary Jean Miranda

Portfolio review

I sincerely appreciate and extremely grateful for the time and effort Yvonne and Pearlyn put in.
They’re very expert in this field and friendly character making them very approachable. This allows their client to discuss their needs and seek advice freely.

Kelvin Lee, police officer

Portfolio review and summary

Having 2 is better than 1! Ida and Yvonne came at the right moment to review my existing coverage.

Although I could not sign up for one of the plans, they still did try their very best for me.

I eventually managed to plug some gaps in my portfolio and am glad to know that I can rely on both these ladies should I need information or assistance in reviewing my insurance coverage from time to time.

Thank you!

Daneal

Meet someone interesting

I appreciate Yvonne on guiding the insurance scheme for my soon as we are looking at good coverage for him during his National service period and she recommended a Personal Accident plan which the coverage is above than what was covered at the NS.

Tammy

Meet someone interesting

Yvonne is friendly and helpful person. She explains very patiently to my request. And also help me to do a financial planning needs as well.

TEG QI HAN

Portfolio summary

Yvonne & Pearlyn are very friendly and oriented. They explain been patiently. They even put time to us so as we can understand everything. I would like to extend our policy in the near future. The process is very fast and accurate.

Allan Thungcal (Door-Knock client with Pearlyn)

Portfolio summary and Protection/Financial planning

After meeting with Ms Yvonne, I am really happy and felt assured. All my needs (not exactly 100%) had been answered. Now I can sleep soundly and have a pleasant thoughts when I think about my kids future. Ms Yvonne had been a very caring and a passionate person. Am excited to work with her as my agent. Thanks Yvonne. :)

Norasmah MD Ali

Portfolio summary and Nomination of beneficiary

Yvonne has helped me to do a financial portfolio review and has allowed me to understand what is my needs gap and my priority at my current stage. Yvonne has recommended solutions that is suitable for me and she explains in details on the plan. This has definitely benefit me in my retirement journey.

Dennis Lim Boon San

Portfolio summary and Financial planning

Yvonne has opened up my mind, educated me on insurance matters. I am glad I am taking this step even at this age because it is never too late to start securing and planning (the best we can) for our future. The only regret I have is that I didn’t start earlier.

Maria Luisa A
Milleza

Portfolio summary and Nomination of beneficiary

Yvonne is very helpful and detailed, she explains the plan to me in details and is very patient. She has helped me and my family to do a financial review and a summary which has enabled me to know what are the needs lacking and what is sufficient. A recommended person to work with.

Francis Neo Koon Chuan, Director

Financial planning

Yvonne is a very helpful and thoughtful person. She listen to my needs and explain my plan in detail.

Chris Ching, Manager

Policy explanation

Yvonne is very patient and would explain the policies clearly. She is very thoughtful and would suggest options based on my comfort level. She would also see through each stage from explanation to paperwork process. Thank you.

Kelly Ho, Homemaker

Financial review

Yvonne is friendly and explained well regarding on the plan. Advice and able to recommend a good plan to take.

Alelee, Formulator

Financial Portfolio review

Yvonne is very patient in explaining and going through the plans with me to Ensure my understanding and comfortable with it before committing. She also make suggestions and proposals to suit my needs. Very helpful!

Lim Jee Poh, Personal secretary

Financial review

Yvonne is a very helpful and friendly person, she gives very clear and good advice. Provides great service. Feel assured and comfortable dealing with her.

Pao Sieng Kuong, Director

Financial review

Yvonne is easy-going and does not hard sell. Feel comfortable with sharing what policies and plans I need. She is willing to listen and give advices on Financial planning, is very prompt in reply and helpful. Feel assured with the policy that I have with her.

Dawn Chang, Make-up and hair stylist

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.

Yvonne Ho Pei San

Financial consultant

Yvonne Ho Pei San

Financial consultant

Newsletters

Articles Worth Sharing

Newsletter Issue 94: Cultivating a Grateful Heart

Newsletter Issue 93: Happy Travels

Newsletter Issue 92: Family First: From Exams To Finance

Newsletter Issue 91: Persistent Progress, Purposeful Pursuit

Newsletter Issue 90: Stretching The Dollar

Newsletter Issue 89: Boost Immunity, Travel Safely

Newsletter Issue 88: Keep Cool & Beat the Heat

Newsletter Issue 87: Growth and Transformation: Nobody Said It Was Easy

Newsletter Issue 86: Plan Well. Age Well.

Newsletter Issue 85: How To Ride The Dragon

Newsletter Issue 84: Reflect, Review & Recharge

Newsletter Issue 83: Holiday Highlights: Echoes of Joy

Newsletter Issue 82: Inflation & You

Newsletter Issue 81: Empowering Children

Newsletter Issue 80: Home Dreamers

Newsletter Issue 79: Before It's Too Late...

Newsletter Issue 78: Unlocking Potential of Our Awe and Envy

Newsletter Issue 77: Living with New Realities of AI and ChatGPT

Newsletter Issue 76: In Honour of Moms

Newsletter Issue 75: Keep Calm & Innovate

Newsletter Issue 74: Bright, Brainy & Beautiful Living

Newsletter Issue 73: The Golden Gift of Intentional Quiet

Newsletter Issue 72: Finding The Silver Lining

Newsletter Issue 71: Planning Ahead

Newsletter Issue 70: Taking A Walk

Newsletter Issue 69: Mind Over Money

Newsletter Issue 68: Navigating Differences, Conflicts and Relationships with Maturity

Newsletter Issue 67: Better Than Before

Newsletter Issue 66: Self-Doubt & Self-Confidence

Newsletter Issue 65: 80 Summers, 80 Winters, 1 Life

Newsletter Issue 64: Travelling Again

Newsletter Issue 63: Being Positive

Newsletter Issue 62: Social Media and Mental Health

Newsletter Issue 61: Being Savvy This Festive Season

Newsletter Issue 60: Looking Towards 2022

Newsletter Issue 59: 6 Essential Money Moves To Make In Uncertain Times

Newsletter Issue 58: Misconceptions that hold us back

Newsletter Issue 57: One Thing At A Time

Newsletter Issue 56: Habits & Decisions That Compound

Newsletter Issue 55: Managing Burnout

Newsletter Issue 54: On Leadership

Newsletter Issue 53: Productivity, Personal Effectiveness & Meaning

Newsletter Issue 52: Living A Good Life

Newsletter Issue 51: Dignity and Why It Matters

Newsletter Issue 50: Empowering Women In Our Midst

Newsletter Issue 49: The Gift of Paying It Forward

Newsletter Issue 48: Done is Better Than Perfect

Newsletter Issue 47: Of Languages, Love and Possibilities

Newsletter Issue 46: Guiding Principles and Tips on Taking Charge of Finances in Our Lives

Newsletter Issue 45: On Teaching, Learning & Growth

Newsletter Issue 44: The Ability to Rethink & Reassess Our Minds

Newsletter Issue 43 : Staying Grounded in Things that Serve Us

Newsletter Issue 42 : Moms Never Retire?

Newsletter Issue 41: This is the 8th Wonder of the world - Einstein

Newsletter Issue 40 : Mastering the Skill of Learning New Skills Fast

Newsletter Issue 39 : What is hurting Employees and Employers

Newsletter Issue 38 : Holding Space in Difficult Times

Newsletter Issue 37 : Covid19 - No turning back from a new future and reality

Newsletter Issue 36 : Make these 6 decisions

Newsletter Issue 35 : When the going gets Rough

Newsletter Issue 34 : Trust, Relationships and Emotional Security

Newsletter Issue 33 : These are simply worth sharing with you

Newsletter Issue 31 : The Power of Tiny Gains

Newsletter Issue 30 : How the World forgot to sleep

Newsletter Issue 29 : Don't leave life without it

Newsletter Issue 28 : 8 Ridiculously Good Recipes That Only Take 15 Minutes

Newsletter Issue 27 : Life's most Powerful Lessons

Newsletter Issue 26 : 3 Financial Wisdom from a woman with 3B Net Worth

Newsletter Issue 25 : Come 15th May, Singaporeans have One more thing to be proud of

Newsletter Issue 24: The Interesting secret

Newsletter Issue 23: The way we Think

Newsletter Issue 22: Why Happiness is linked to Deep Talk

Newsletter Issue 21: Half of the jobs in 2020 are not yet known

Newsletter Issue 20: Your Life is About to Change