Better Than Before

felix hoe, 何泓铮

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A Monthly Curated Newsletter

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.

The Relentless Pursuit of Improvement

It is no secret that I believe growth is the only guarantee that tomorrow will be better. It is no mystery that I think personal growth is the steppingstone to success for any leader. If you or I want to stay in front of the curve and lead others, then we must do the work that keeps us out front. We must continually improve. But as I seek to improve, there is one thing I know not to chase, and that is perfection. Perfection is a trap. Do not chase perfection as a leader - chase improvement. Make today better than yesterday so tomorrow can be better than today. The relentless pursuit of improvement will take any leader far.

I used to be jealous of other people's wealth and success - here is how I finally got over it

Envy. It is an emotion that we all feel at some point. It is also a really dangerous emotion when we are trying to build a strong financial life. Envy is pure poison to a healthy financial life. After all, envy encourages us to make some pretty poor decisions. Like every other character flaw, however, envy can be overcome. You can directly reduce the envy itself, or you can at least reduce the bad choices you make as a result of envy. Here are seven strategies I use to cut envy out of my own life.

To reach beyond your limits by training your mind | Marisa Peer | TEDxKCS

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Proudly Brought to You I seek to reach out to people who believe in safeguarding the interests of their loved ones. Let me know if I can be of help to someone you know or care about. We can make a difference to lives when it matters most. Cheers.
felix hoe, 何泓铮

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Testimonials and Referral Notes

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Shayne Chan. Business Support Executive

Yeow Chuan, he really is the most responsive insurance agent that I met so far. He will try his best to suit my current financial needs and provide me a good idea and plan for my policies. He will dropped me a message to inform if he out of town to make sure his client still can reach him on time. He is very responsible and positive person. He really is a good financial planner for me and I trust him until I reach my life goal.

Li Chin. Senior Executive Secretary in CEO's office

Felix called to introduce himself after one of webinars I attended to share more about his company and available services. Felix is knowledgeable, attentive and thoughtful during each of our meetings to understand my financial concerns. To be frank, after two meetings I still didn’t understand everything but one thing was very clear - by proper forward planning, his proposal of retirement plan is able to give me the financial security that I had been seeking and he can help to obtain more comprehensive insurance coverage with lower costs (the insurance premium would be reduced by approximately 50%). This will give me the ability to organise and control my fiscal life and may enable me to retire earlier than I thought. Felix is always patient and friendly to address whenever I called in with questions and concerns. This is important in today’s busy climate and impersonal service. I appreciate the services I get from Felix. Thank you.

Zhi Qin. Teacher

大学时期就已经认识Felix了，他一直是个值得信赖的朋友，因此毕业步入职场后就请他帮忙规划财务。 Felix会耐心倾听我对退休生活的需求，并根据我当下的经济情况，给我介绍适合我的财务配套。他也会认真讲解相关配套的细节，比较不同方案的优劣势，让我可以在最短的时间内了解自己能获得的保障。不仅如此，他也会分享一些理财观念，并解答我对投资的一些疑惑，让我有所启发。也很感激有他在理财这条道路上的引导，让我对未来的生活充满憧憬。

Li Chin. Kishen Kumar

A fun and informative night to catch up with Felix and his team. Thank you Felix and APEX for the invitation. Appreciated a lot. Great client focussed on fun with brief introduction information for some product seminar.

Ming Li. Management Executive

Yeow Chuan is well prepared for our review every time and he always provide his excellent service and share the knowledge with me. I am grateful with his service and choose him as my financial consultant. Hope we can improve and grow together along the way.

Qi Hua. R&D Mechanical Engineer

Felix is one of the best financial advisors I had met. He has helped me better plan for my financial goals with detail analysis on the pros & cons on my financial planning, which in turn help me better understand the areas I need to improve on. Furthermore, Felix is highly professional, ethical and knowledgeable on what he is doing, is always nice talking and learning financial knowledge from him. I would highly recommend his services to people who wish to achieve their financial goals and also had better understanding on financial planning.