Bee Leng & Estelle

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Bee Leng & Estelle

Financial Services Consultants

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Newsletter Issue 93: Happy Travels

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

Going extra mile

I have known Bee Leng through my husband. She had been silently but consistently sending birthday and CNY cards to him since he was about 19 years old. Back then, my husband merely bought one CPF investment policy from Bee Leng. Over the years, Bee Leng continued sending cards to my husband. It was because of her gesture, my husband remembered her after 30 years, when we wanted to purchase more policies. You see, we had disappointment in the previous agent serving us, mainly because the reply were frequently few days later after my whatssap, sometimes calling and she was overseas. The client-agent relationship was more like a passive one. We called Bee Leng through the number printed on her greeting cards. She came with Estelle. Boom! Things just escalated so fast. They were prompt in delivering their commitments, I could reach them through whatssap or calling them. I knew they can be trusted with providing knowledge to us. Even though some policies were not under Bee Leng, she helped me in claiming the insurance for my younger son though the hospitalised case was a few years ago. Bee Leng and Estelle could assist me to claim further monies, albeit my agent said it couldn't be done. Now, I've changed most of my policies from that agent to Bee Leng and Estelle. They gladly took over although they do not have commission, took initiative to do summary for my whole family, including those from other insurer. They went the extra mile and I'm truly appreciative of their sincere concern in advising us matters regarding insurance. Thank you Bee Leng and Estelle!

Della

5-stars consultants

Bee Leng and her daughter are 5-stars consultants. There is nothing I would pick on, especially their service. Even though I have known Bee Leng for over 20 years, I did support my friends and other agents, but unlike Bee Leng, some didn't stay long enough in the industry to service our policies while some are no longer in contact.
I give Bee Leng and her daughter many many likes for being responsible and reliable.

Mr Phan

Appreciation for Outstanding, Professional, Customer-Centric, and Timely Service

I want to express my heartfelt appreciation for the outstanding, professional, customer-centric, and timely service provided by Bee Leng and her daughter Estelle. As a loyal customer, I have personally experienced their exceptional performance and feel privileged to have the opportunity to work with them.

From the first interaction, Bee Leng has demonstrated exceptional professionalism. She patiently listened and understood my individual needs, providing me with tailored insurance solutions. Whenever I had inquiries about insurance matters, she always offered thoughtful responses, giving me the confidence that I have obtained the best coverage.

What sets Bee Leng apart is her genuine care and empathy towards customers. I feel valued and every communication is filled with warmth and friendliness. This communication approach allows me to express my thoughts and needs without hesitation.

Whenever there were updates in insurance regulations, Bee Leng promptly notified me and offered corresponding recommendations. Her keen awareness and profound expertise enabled me to stay informed about the impact of regulatory changes on my insurance plans, providing me with valuable decision support.

I am delighted to see that Bee Leng's daughter Estelle has also joined the business, continuing the legacy and commitment to excellent service. She demonstrates similar expertise and service-oriented approach, providing clients with top-quality advice. Witnessing this family team working together to create a brighter future for clients fills me with great confidence.

Bee Leng and Estelle extend their exceptional service not only to me but also to my friends. I have already recommended them to my friends, fully believing that they will receive the same high-quality professional service.

In conclusion, Bee Leng and Estelle have become an irreplaceable insurance advisor in my heart, thanks to their exceptional business acumen, professional knowledge, and customer-centric service. I sincerely thank Bee Leng and Estelle for everything they have done.

Thank you!

Wu’s family

Reliable, compassionate and trustworthy

Dear Bee Leng & Estelle
I just wanted to take a moment to thank you for the exceptional service you both have provided me with over the past years. Always willing to go the extra miles.

Your knowledge and expertise are also highly valued. From the beginning, you have taken the time to explain complex insurance terms in a way that is easy for me to understand, which has been immensely helpful.

When it came time to file a claim, I was grateful for the guidance and support you provided. You made sure that I had all the necessary information and documentation, and helped me navigate the claims process with ease.

Finally, I have been impressed with your responsiveness. You always respond quickly to my inquiries, and I feel like you genuinely care about addressing any concerns I may have. This level of customer service is rare these days, and it has not gone unnoticed.

Overall, I am extremely pleased with the excellent service both of you have provided and a big thank you for being such a reliable, compassionate and trustworthy insurance agent to my whole family

Colynn and family

Good good good 服务

Good good good 服务。认识美玲是经过我的老板介绍。我很满意她与她女儿的服务。当有急事，第一时间联络得到。要买保险就是要找这样的agent。强力推荐！

Mr Tan

Guardian angel to us

We are so thankful that for an administrative error almost 10 years ago that allowed Bee Leng to cross paths with us. Since then, she has been providing us with the highest standard of service, with such a big heart and gentle soul. Our family had multiple health issues such as cancer and emergency surgeries, and Bee Leng has been so supportive throughout. Her promptness and urgency in filing paperwork for our bills has allowed us to fully concentrate on recovery. We had false emergencies in the middle of the night, calling her at 3am to confirm our hospital coverage etc. She always answers our calls immediately with a concerned voice, and explains patiently to us. Bee Leng only recommends and customizes the most beneficial plans for us, she has never pressured us into purchasing plans for her own benefit. Thank you Bee Leng, you have been like a guardian angel to us ❤️

Diana and Amanda

对AIA买的保险格外有信心

我是TINA CHEONG。我于2个星期前意外跌倒，膝盖骨粉碎性骨折，因为当时是周六，一般人都在家休息，我第一时间联络我的保险经纪美龄，她很热情的告诉我该做什么，这已经不是第一次这么好的服务了，她半夜都会接电话，她一路来都是这么热忱的对待她的工作！使我们对AIA买的保险格外有信心，真希望能有多一些这样负责人的经纪。我会大力推广你们AIA的保险！因为你们有这样好的经纪美玲。

Tina Cheong (Mar 2023)

Strongly recommend!

Our family has known Bee Leng for almost 30 years when she first assisted my parents with their insurance plans in 1994.

Throughout the years, our family feel that Bee Leng’s dedication to her clients and career roots deeply from her sincere passion to help people achieve a better quality of life. Her excellent service has been recommended to our extended family too! I personally had been hospitalised thrice and each time she met me personally to assist me in getting the necessary documents ready. Despite her large pool of clients, she is always prompt, efficient to deliver and never fails to make one feel assured.

Moving forward, Bee Leng’s daughter Estelle is an excellent complement in this dynamic duo. Whenever it comes to our financial/insurance review, we are impressed by the way she present our current insurance overview. We are grateful for their help over the years to help our family overcome stressful situations, and also able to call them our friends.

We strongly recommend them to anyone looking for a planner for their insurance and financial needs.

Brillyn Toh and family

Responsive and Responsible

I've known Bee Leng for 20 over years, she was doing cold call at Boon Lay Mrt station the first time I had met her. From me alone, a single young man, buying insurance from her till I get married and settled down as a family man with 2 kids...its a long journey friendship between an insurance agent and ourselves i guess.

She is clear in what she is recommending and leaves no room for doubts. She is responsive and always do her best to set up convenient times for us during reviews or any insurance related issue. Certainly, there are emergency periods in regards to health for my family. She is always there to guide us through the claiming process which serves the whole purpose of buying insurance, within the policy conditions.

I always tell my wife and kids, I think we are lucky to meet such a responsible insurance agent. Blessed.

Thank you BeeLeng.
We have aged gracefully and I am grateful of having you as my family insurance agent/friend. Do Stay healthy

Perry Koh

Supportive agents

I had known Bee Leng for more than 15 years. She came across to me as a very responsible and reliable insurance agent that has excellent communication skills. She will not promote any product that is not to our benefit and certainly not persistence in promoting any products for her to close any deal.

She will listen attentive to our needs, ensuring that she understand our needs, before proceeding to make several recommendations for us to have a better choice in selecting what is best for us.
Ultimately, in my opinion she is the sort of person that can provide sharing and moral support for any unpleasant situation that arises and even rendering physical help if needed too.

Her daughter, Chua Kai Jin (Estelle), she is young and friendly, able to extend the same support as Bee Leng as well.
I am glad to know them as friends and also as agents that would not hesitate to render their help in any dire situations.

Carmen

办事效率好又快

服务很好！我认识美玲24年了。那么久以来，有什么关于保险的问题，找她帮忙，很快就可以解决。办事效率好又快。之前住院的理赔，也处理得很好。名师出高徒，美玲和她的女儿都在服务我们全家的保单。我们很满意这对母女档的服务

Lim family

Always contactable and response at the soonest

I've known Bee Leng since I was a child when my parents started purchasing insurance from her. Have recommended my in laws who does not believe in insurance in the past to her, and they have since believed that insurance is essential in times of unforseen circumstances. As a mother now, my kids insurance are also purchased from her.

She is always contactable and response at the soonest to my enquires. In times of emergency where my husband and child was hospitalise, I have no idea on what AIA information to provide to the admission counter. Bee Leng is patient and guided me the process and everything went smoothly from admission to discharged.

Her service is excellent, and I have never thought of changing to another agent.

Thumbs up and thank you for the service you and your daughter have provided

Sherlynn's family

Very genuine agent, not just for sales

Bee Leng is knowledgeable, responsible and trustworthy. Her after sales service is superb. Even for policies I bought from other insurance companies, before meeting her, Bee Leng helps to review and service. Very genuine agent, not just for sales. Always friendly and responsive, so clients feel comfortable contacting her anytime. Grateful for the friendship forged after so so so many years

Peggy

真诚、服务周到、又专业

我和丽映认识美玲二十多年。从还没生孩子，买到有孩子。全家人都是美玲和愷津服务。真的很难找到做那么久的agent。
她们真诚、服务周到、又专业。我们有什么不明白的都可以问她们。随传随到 👍🏼
身边的亲戚朋友需要保险，我们都介绍给她。
感谢美玲一路来帮我们规划，让我们了解保险的重要性。强力推荐她们 💯
美玲最棒 ❤️

Shiow Feng and Liying

Always there for clients

Bee Leng is very helpful. Even when I had problem, she dropped by to see what adjustments can be done to my policies. She and her daughter (Estelle) always recommend plans based on my needs and budgets. I would not hesitate to refer them to my family and friends 👍

Adric Giam

TRUSTWORTHY AND RELIABLE CONSULTANTS

美玲和她的女儿服务一流。我认识美玲几十年了，一路来都不相信保险，是因为相信美玲而相信保险的。她们人很好，做朋友也好，做代理员也好。很热心帮助顾客，当我遇到什么困难/不明白都会找她。不单单只是保险，一有问题，我都会想到找她，问一下她的意见。我全家的保单都是她们服务，希望一直保持良好的关系。强力推荐这对母女档。
I have known Bee Leng for over 20 years. To be honest, I don't believe in insurance. It is because of the superb service Bee Leng provided me, I trust her and started to believe insurance is actually essential for wealth protection. She and her daughter are helpful. I am always assured that I can contact them whenever I have any queries. Strongly recommend this mother-daughter duo.

Lee family

保障客户的利益

美玲谢谢你这二十八年保险服务。你总能站在客户的立场，尽可能地保障我们的利益。我给你一个赞👍。您的专业精神，真的是没话可说。我也会为你的女儿愷津，在保险这一行加油😁

Kok Siong's family

Number 1 agent

Bee Leng is the best consultant I have ever met. She is our family's Number 1 agent. I have referred many friends and relatives to her and we are all satisfied with her service. I would rate her A plus plus plus for her service and professionalism. Wishing her and her daughter loads of success

Chng family

最棒最尽责的保险经纪

认识美玲有十多年了，现在我们全家大小的所有保险都是跟她买的。美玲真的是我们见过的最棒最尽责任的保险经纪。工作经验和知识非常丰富。每次介绍保险条规都非常清楚，而且都会尽量从我们的实际需求和朋友的立场推荐一些有帮助的保险。每次我们有任何问题，不管平时还是周末，白天还是晚上，美玲都会尽快和及时的回复。每次我们要报销药费单，简单发给美玲，很快就帮忙处理了，真的很感谢。每次和朋友聊天，如果刚好聊到他们想买保险，我都会给他们推荐美玲。最近两年美玲女儿，Estelle, 也是每次一起下来我们家里，帮忙解释我们的很多疑问。我们相信， Estelle肯定能做得像她妈妈一样或甚至更优秀。

Haiying's Family

We are in good hands

Dear Bee Leng

Just wanted to say a big thank you for your prompt assistance for my pre-hospitalisation authorisation process. It helps a lot that it’s a painless and fast process to get the approval as I’m in the midst of preparing for surgery. Thank you very much for your professionalism and valuable support all these years. My mum and I are very glad that you’re our agent. Gives us peace of mind and assurance that we are in good hands! ⭐️

ps: we’re amazed that you know our policies at your fingertips each time we call you! 👍🏻👏🏻

Thanks once again

Lydia

An Honorable person

Thank you for the guidance and kindness when I am in doubts and troubles. Bee Leng helps and advises me through my difficult times. She also updates me on my policies and recommends investments and policies which are suitable for me. I am glad to know her and have her as my agent. She is the first person I contact and depend on when an emergency happens. I will keep on supporting her.

Ms Teo

Dedicated, experienced and talented agents

Estelle and her mother (Bee Leng) have always taken care to assess my needs and provided suitable proposals, enabling me to achieve my financial goals. She has always explained the products proposed in details, and took time to clear up any doubt I may have had.
Overall, she has efficiently addressed my insurance requirements and provided exceptionally friendly service. She enabled me to acquire the peace of mind needed to focus on developing my business knowing that my family will have the protection required in the future.

In Singapore, AIA is famous throughout the industry for treating his customers well and this is indeed thanks to the work of dedicated, experienced and talented persons such as Estelle Chua. I have often recommended Estelle to close friends and they have been equally satisfied with the quality and professionalism of her services.

Lan

Service Excellence

Thank you Bee Leng for being instrumental in my family’s insurance needs being with me, my husband & two children. Bee Leng is a trusted resource for us and has always been honest if she couldn’t offer something better than what we already had.
She is simply the best! So easy to talk to and helpful as always. I would like to extend my thanks to Estelle for her well thought advice as well. God Bless both of you!

Vivien Yong

Grateful for the wonderful service

We are very lucky to have met you. When we were lost and unsure of what to do, you were there for us, guiding us step by step. Else, we would not have solved our problems.

When my husband was seriously ill, I'm grateful to have someone like you. You accompanied me and encouraged me to go through that difficult journey

Once again, really thank you for the help you have given us ever since then. I hope that you can continue to help service my family's policies in the future

I will definitely recommend both of you to my friends and customers for insurance next time as I know your service is the best!

Christine

A Committed Friend

I've known Bee Leng for over 15 years. Great customer service. She's a very dedicated person who priorities my needs. She fulfils my requirements dedicatedly without any hesitation. She's so patient. I will never hesitate to recommend Bee Leng to any of my family or friends. And I wish Estelle all the best too. Such a sweet girl. May God bless you both.

Julie

我见过最棒的保险从业员

美玲和她的女儿服务很棒，很庆幸当初选择了她们服务我的保单。当我发生事情找她们帮忙，她们常说一句话没事有什么问题可以打给我不管多晚都可以打给我，我都会帮忙你的。听了这一番话心也得到安定让我遇事不慌乱。她们是我见过最棒的保险从业员。谢谢你们！

Vivian Kua

赞！

美玲是一位充满爱心💗 、服务週到的一位AIA的保险经纪人。她的服务态度和辨事能力让我们一家人都很滿意。我们一家人（我的孩子和孙) 都有买AIA保单。我们都很感谢她能为我们辨事。让我们放心又开心。现在我们也認識她的女儿(Chua Kai Jin Estelle) 她很有礼貌也很耐心和我们讲解我们买的保单。我们很幸运有这么优秀的保险经纪为我们服务。在此谢谢两位友善的服务。赞！

Mr and Mrs Peh

With such trusty insurance agent, I feel a sense of relief in case of any emergency. Appreciate her professionalism and proactive support!

Really appreciated Bee Leng support recently when I suffered a sudden and sever pain on my back. When I called her, she give me a clear instruction which hospital to go and how to register under AIA insurance coverage, she even called the hospital to confirm the availability of bed. The entire process from registration to admission to the ward was so smooth. Bee Leng also made follow up call to check after my discharge. Now I am fully recovered and really appreciated her professionalism and proactive support! The take away is that with such trusty insurance agent, I feel a sense of relief in case of any emergency! Call her now if you need any help on insurance!

David and family

Sincere, caring, helpful and assuring nature

We’ve known Bee Leng for many years now. Although we first knew her as an Insurance Agent, our relationship has grown strong and well that she’s now one of our very trusted friend. Many would know that in life there are friends and there are real friends. Bee Leng is of the latter. There are many adjectives to describe Bee Leng such as thoughtful, kind, warm, cheerful, positive, but her sincere, caring, helpful and assuring nature are the ones that stands out the most. She’s been there for us whenever we needed her both as a friend and the agent. She would come to our help at a very short notice. She’s been absolutely reliable that I do not have to worry about what I could ask of her when in need. Thanks Bee Leng for your friendship we treasure it and wish many more will find you just like us!

Siva & Taln

Recommend suitable plans

I have known Bee Leng for many years. She had recommended policies which are suitable for me. Whenever I have any queries, I always get prompt replies. She is very helpful and has assisted me with all my claims. I’m thankful to have her as my insurance agent.

Ms Low

服务周到，热情，知识丰富

我认识美玲大约在10年前，是一位好朋友介绍我的AIA保险经纪人。从那时开始，美玲就是我们家的保险经纪人。我们家的所有保险都是跟她买的。她的服务周到，热情，知识丰富。如果你想为自己和家人买份保险，我强力推荐你找美玲和她女儿聊聊，肯定会有不一样的收获。

Mr Pan

Excellent service. Fast and efficient.

We would like to express our gratitude towards Bee Leng for taking great care of our insurance over the past 13yrs.

Whenever I have doubts and needed her help, she will always be there or even if she missed my call, she will definitely return my call ASAP and explain to me in details and I have never need to worry about my entitlement or claims.

Insurance products are more or less the same, but what makes it difference is the insurance agent. Most of my friends and colleagues don’t even know who is their agent (cos keep changing) so they don’t know what they should do or what options they have, when things happen.

Thank you once for your excellent service, Bee Leng, and we will definitely continue this good relationship with you and your daughter :)

Jocelyn and family

Strongly recommend this mother-daughter duo

Kaijin (Estelle) and I are good friends since Sec Sch, I have always known that she wants to be an insurance agent since younger days due to her mother (Bee Leng)'s influence. I am very thankful for the both of them for being my insurance agents as they recommended the policies that are suitable for me and are always there whenever I need them. Even when I have the slightest queries about my policies, they are always available to explain to me, no matter how late the day might be. This reassured me a lot and I strongly recommend this mother-daughter duo to anybody anyday due to their good attitude, commitment and passion towards their job.

Lee Yiling

Friendly and approachable

I met Bee Leng in year 2000. She is very friendly and approachable. Because of her excellent service, I have been her loyal customer for more than 20 years. She is in charge of my wife and children policies too. Whenever possible, I'll always refer friends and family around me to her as I truly understand the importance of having a professional agent. When I got into traffic accident, Bee Leng helped with all my claims. As I was just casually telling her that my children had dengue, she immediately told me to prepare all receipts for her to do claim submissions. I am very grateful to have her and her daughter to service my family's policies.

Phang Han Ching

Very thankful

Time flies, 20 years has passed since I know Bee Leng.
Our relationship is not just agent and client but more like old friends. She is very professional in her field of work, and I appreciate all her efforts. Our family is very thankful to her.

Toh family

可以让我安心的代理员

在我认识的保险经纪／财务顾问中，美玲是我最能够安心把我与家人的所有保单交与负责的保险理财顾问。因为在这20多年里，每当我有任何关于保单的疑问或遇见需要索赔时，都能第一时间联络上她。而她也会一一为我解答和给予帮助。所以在这20多年里，我把我和家人的个人保单、储蓄、房屋、意外、人寿和等等的保单交给美玲负责。同时每当有亲朋好友需要购买保单时，我都会推荐美玲。在此，我一家非常感谢美玲多年来的服务，祝愿她和她的女儿在这一行业大放光彩！

Soo family

Professional and Patient

I would like to express my appreciation to Bee Leng (financial advisor from AIA). I was looking to get a life plan for my son as I understand how important it is to be insured after a health scare earlier this year. So, my brother introduced Bee Leng to me. He always compliments how responsible Bee Leng is and her efficiency when responding to his query. So, I approached Bee Leng to seek her advice on the suitable products based on my budget.
On the day of meeting, she came prepared with all the information and even explained the product in depth. She reviewed my existing policies and suggested ways to be better covered. Not only that, she is able to address all my queries very professionally. I was very impressed that I signed up for the plan with her immediately. Till now, she is still very patient when I have questions on my policies, even after sales.
I am fully impressed by her professionalism. Keep up the good work!

Lina and family

幸运有她们的服务

美玲和她女儿人很好。我很信任美玲，全家的保单都由她们处理。当我有什么紧急／需要／问题，打一个电话，她们都可以帮忙解决，根本不用我去头疼。有时，我遇到什么问题（没关系到保单），我都会想到联络美玲，问问她的意见。只要能帮她都义不容辞。几十年的顾客与代理员关系，现在已成为朋友。我很感激。从我拿准证的时候（单身）开始买到现在，结婚有了孩子了还是很幸运有她们服务我全家。
Bee Leng and her daughter are really nice people. I trust Bee Leng to handle my family policies. Whenever I need help or if there's any emergency, I'll make a call to them and they can help settle my problem, saving me from a lot of headaches. I am very grateful for their service.

Lam family

最棒的保险从业员

以前我和美玲是邻居，一次和她父亲的闲聊中，得知他女儿是位保险经纪，当时正好想买保险，就约了美玲，没想到这一买就跟了她约20年，不后悔当初的选择，更确切地说，很庆幸当初选择了她。
她常说的一句话“不用紧，没事的，有什么事打给我，不论多晚！”本以为这只是句行业的客套话，但后面发生的很多事，让我意识到这真的不是句客套话，美玲是真正实践了她对客户的承诺，不论什么时候，只要打给她，她总会第一时间回复，安慰你的同时，一步步地教你要如何做，不论我是在急诊部、住院部还是在意外现场，她的声音总能让我在忙乱中得到安定，近20年了，谢谢你，美玲，你不知道你的服务对我们意味着什么，你的专业让我们能放心地选择、规划和理财，你的热忱，让我们遇事不慌乱，你总能站在客户的立场，尽可能地保障我们的利益，你是我见过的最棒的保险从业员！

Lim Family

Best agent! Highly recommend

My agent, Bee Leng, is the best! She is professional in her job. Reliable, thoughtful and committed. Well versed in insurance/finance industry. Provide the best advice and suggestion and prompt follows replies whenever you have any doubt. This is the reason all my policies have been with AIA for more than 20 years. I highly recommend her and her daughter for any insurance matters/financial services you may need

Khor Peng Chuan

100% Trustworthy

嗨大家好，我叫 Doris Peh。10 多年前，我老公买保险是向一位他的好朋友买，后来他的好朋友退休了由她的一位朋友Liaw Bee Leng 代替。她亲自上我家介绍自己，很亲切的笑容，又没有强迫我们加保。10多年后她还是一样不骄傲又肯帮助我们一些保单上的问题不管任何时候或者过了晚上10时一发简訊，她会马上回复帮我们解决问题，重点：她会问我们的经济许可，所以我会100% 相信她

Doris Peh

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.

Bee Leng & Estelle

Financial Services Consultants

Bee Leng & Estelle

Financial Services Consultants

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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

Newsletter Issue 19: The Indispensable Power of Story