Norazleen Osman

Financial Services Consultant

Norazleen Osman

Financial Services Consultant

Norazleen dubbed as #yourFUNd&financialbestie, is a solution provider to your financial situations. She is dedicated to empowering individuals like us to take charge of our finances.

She believes that everyone has the potential to achieve financial success, but sometimes we need a helping hand to navigate the complexities of the financial world. That's where she comes in - she is here to be our trusted advisor, a guiding light on our journey towards financial prosperity.

As a listener, she understands that each person's financial situation is unique, and there is no one-size-fits-all solution. She takes the time to carefully listen to our goals, concerns, and dreams so that she can provide tailored guidance that aligns with our specific needs.

Her ultimate goal is to be our solution provider. Whether we are looking to build a solid retirement plan, reduce debt, save for the future, or invest wisely, she is committed to finding comprehensive solutions that work for us. With her expertise, experience, and access to a wide range of financial tools, she strives to empower us to make informed decisions and achieve financial freedom.

Together, let's embark on a journey towards financial independence. Take charge of our finances, and let her be our dedicated partner in achieving our financial goals. She is excited to work with us and support us every step of the way.

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Newsletters

Articles Worth Sharing

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

A YOUNG COUPLE WHO CHOOSE TO PREPARE EARLY FOR THEIR RETIREMENT.

With Kak Nora, I feel assured that I have made the right move to start on an investment that is Syariah compliant and that my investment will be in good hands. Despite being new in the field, she is knowledgeable and reassuring, providing us with realistic and practical advice backed by relevant data. Her explanation on how our CPF projection will be sufficient to sustain us during our retirement gives us a peace of mind. I can feel her sincerity in her sharing and intention to help our community be more savvy in investment and wealth management. 👍🏽

I like Kak Nora’s positive vibes and enthusiasm. She’s so energetic when she shared her knowledge.
She explained everything in great detail and clarified our doubts and questions. She was able to give us examples and shared stories to help us further understand that what we are venturing into will be beneficial for us. She’s very meticulous in preparing the slides and documents needed for our consultation. She focused on what we wanted, which is growing our wealth. She’s not pushy or try to force us to take up additional policies. 🥰

All the best in this new field, Kak. Semoga dipermudahkan segala urusan InsyaAllah.

Regards,

Hanafiah Yusof, IT Project Manager and Nirmala M
Ismail, Teacher

A Concerned Father who Wants to Ensure His Beloved Family Is Comprehensively Covered

I can't express enough gratitude for the exceptional service I received from Norazleen Osman during my recent search for insurance policies for my family. Navigating the world of insurance can be overwhelming, but she made the entire experience surprisingly smooth and stress-free.

From our very first meeting, Azleen demonstrated a level of patience and understanding that immediately put me at ease. She took the time to truly listen to my concerns, ask insightful questions about my family's specific needs, and explain the various insurance options in a way that was clear and easy to understand.

What truly sets her apart is the genuine care and dedication she shows to each client. She wasn't just interested in selling me a policy; she was committed to helping me make informed decisions that would protect my family's future. Her attention to detail and willingness to go the extra mile were truly remarkable.

Thanks to Azleen's expertise and guidance, I now have peace of mind knowing that my family is well-protected. I wholeheartedly recommend her services to anyone seeking a financial advisor who is not only knowledgeable and professional but also genuinely invested in their clients' well-being.

Sat (Software Engineer) and Dee (Civil Servant)

A Independent Lady Who Sees the Importance of Protecting and Growing Her Income

I really like how Ms Norazleen curated, advised and explained carefully each and every plans that are well-suited to my needs and wants. She was really patient and very transparent and would readily answer all my queries. She would not push for time and would ensure I understand and make an informed decision before signing up for any plans.

Definitely recommend those who are still having doubts and would want a clearer and transparent explanation and those who seek a patient advisor who will go beyond her ways to help you out.

Faz Abdul Rahim (Pre-School Teacher)

A Proactive Mother who Ensures Her Newborn is Adequately Covered with Savings Plan Put In Place

Noraz took the time to understand my financial goals, and risk tolerance. She is always available to answer questions, and offer sound advice. Noraz is a person of integrity and genuinely care about her clients' well-being which is evident in every interaction. Her guidance has been invaluable in helping me make informed decisions and feel confident about the financial direction for my child.

I highly recommend Noraz to anyone seeking expert financial advice and personalized service. Her dedication makes her an invaluable asset to anyone's financial planning journey.

Lyn A
R (Civil Servant)

A Progressive and Forward-looking Young Lady who has Put Her Short and Long Term Savings in Place

I feel the whole process made me feel satisfied because my financial needs/wants were listened to and being an over-ambitious young adult, I tend to be a bit reckless with financial decisions so one thing I like the most is that Cik Leen helps me ground my actions, giving the pros and cons about the product to ensure that I make the best financial decision for short term and long term plans that is sustainable, manageable yet would still grow my wealth for the future.

Thank you Cik Norazleen, Selamat Hari Raya Haji ❤️

Hanisah (Software Engineer)

A Young Lady who Believes in Long Term Financial Planning for Her Future Dreams

Based on the two sessions when I met Cik Nora, she gave me a lot of advice and educated me well on how long term savings through investment works. In fact, she has also given me an idea and a clearer vision on the benefits of investing early.

I was a little scared and nervous about investing as it is my first time handling a huge responsibility with my savings of several years. But Cik Nora assured me well and made me earn her trust as she was really patient, understanding and validated my worries which made me more comfortable to start a big milestone of mine with her. ☺️

What I like most about her is that she was very detailed with her explanations and even drew out a mindmap on how much I should save (for liquid, emergency, invest) and spend (based on needs and wants). As a visual learner, it really helped me a lot in terms of visualising and planning my own current finances and in the future. Her explanations were really thorough and it was a really smooth process ✨

Thank you so much Cik, for helping me this far! I really do appreciate the help it means a lot to me! 🥰

Ezabella S, Music Teacher in a Private School

Proactive Parents who Ensured Little Precious’s Coverage and Saving Plans are Put in Place

I met up with a few other financial consultants before meeting Cik Leen. None of them could help me to completely understand the available policies and coverage for my unborn child. Cik Leen responded fast after I delivered my baby and she was very detailed in her presentation. She proposed a comprehensive coverage after listening to both my husband’s and my concerns on our baby’s needful coverage and future financial needs.

Thank you for your time and all the trouble in explaining to me and my husband. I'm glad we crossed path as you were recommended by a relative member. Will definitely share my positive experience with you to others.

Fatin and Kamal

A Loving Mum who not Only Started on her Wealth Growth Journey but Also for Her Children

Nora is a very nice and knowledgeable person to deal with. She kept my interest in mind when advising. She is really helpful and I appreciate her help and support.

In fact, after starting on my own investment with Nora, I started my two teenagers on the investment journey too just to give them a head start in their wealth growth journey with Shariah-compliant investments.

Thank you Nora for your service.

Mdm Farha S
(Manager in a Bank)

A Progressive Homemaker Who Would Like to Grow Her Savings from her Past Businesses

I am happy with Nora from day one on her knowledge of the options that she has for us as well as her service.

You are friendly and patient in answering our queries. You are presentable and pleasant when dealing with us. I strongly feel you can do well in this field of work with such attitude.

Very importantly, you have the knowledge and you are genuine in explaining the product. Also you have a sense of helping others to achieve their financial freedom in life. Being truthful is important in doing business and you did give me that perception.

I prefer dealing with people who are fair and understand the need to provide good service and do it with passion.

Mdm Noorjahan (Former Property Agent and Home-based Bakery Business Owner)

A Lady Boss who Takes the Time to Plan for her Wealth Growth

I met sister Nora a few days after she had called me regarding the interest I expressed in Shariah investments via her social media.

After some questions which she asked me about my retirement plan, I came to a realisation that I was not doing enough to plan for my retirement. Sister Nora helped me do an assessment of our (my husband and myself) financial ratios, identifying areas where we are doing well, and other areas where we lacked. We were able to review our existing investment plans and insurance portfolios and understand it better. I understand that her wealth management expertise ranges from wealth protection and wealth growth especially for retirement plans. I truly appreciate her uprightness, genuineness, trustworthiness and professionalism with high quality service.

I must say that I have truly benefited from my relationship with sister Nora and will recommended her to my friends and family as I feel that she genuinely enjoys serving her clients.

Thameezh A
Muna, Manager

An Independent Lady who Wants to Have a Choice During Retirement

Nora explained the investment products that are Shariah-compliant very well and with clarity. She was also very transparent with her presentation.

I am glad that I took up the permissible investment (in accordance to Islam) which she introduced. Nora is very cheerful, and at the same time not a pushy financial consultant. She explained the product in a very detailed manner to me. She is also willing to go on Zoom when I needed additional information and clarification that would help me to consider before I make any decision.

I recommend Nora to whoever is planning to take up investment plans particularly those which are Shariah-compliant, do contact her directly as she can share with you without obligations.

From my encounter with Nora, she is contactable at any time and she is willing to go the extra mile to help me to understand better. She is also willing to accommodate me for the meet up time.

Norizan Yusop, Administration Officer

A Confident Mummy who Looks Forward to a Comfortable Retirement

Our interaction and experience with Sis Nora has been very positive. She came for our meetings very well prepared, ever ready to answer all of our queries. Her confidence puts me at ease, especially since I have zero knowledge in Shariah-compliant investments and this is my first investment portfolio.

Her explanations are crystal clear, and I appreciate how she puts my best interest at heart, providing me with ample time to think through my decisions instead of pressurizing me into making one.

I think what sets Sis Nora apart from most of the advisors I’ve met is her sincerity and her drive to help others make an informed choice for the future. I’ve learnt a fair bit from our two short meetings. She’s not your typical advisor who pushes for sales; she educates. Thank you sis Nora!

Hazliana M
Lahir, Educator (Sec School)

A Forward-Looking Couple Who Looked into Growing their Wealth

I came to know about Norazleen and her services thru social media. Initially, I was pessimistic about meeting her as I had zero knowledge abt Shariah-compliant investments. Me n wife eventually met and listen to her explanations and advice...

Norazleen was passionate, detailed in her explanations and the best part of it was there wasn't any coercion or hard sale tactics from her. She let us decide what kind of investment suits us best.

Thanks Nora for the time and effort in enlightening us, appreciate it much... 🫰🏻

Mohamad Ramli, Civil Servant and Noor Aidah Adam, Civil Servant

A Young Lady Who Chooses to Start Early for Her Future Nest

As my personal financial consultant, Nora communicates clearly and has definitely given a clear and detailed explanation in investing.

The one thing I like about her is that she is not pushy. There was no pestering during the meeting. She answered my questions and clarified my doubts patiently. She also gave me the space to think on the available options that I have.

I would recommend Nora to anyone who wants to start investing as she would be the right person to be your consultant. She would guide you by explaining in simple terms and using clear examples. If you never try, you will never know! 😉

Maira Latif, Programme Coordinator

JUST STARTED WORKING BUT SHE SEES THE IMPORTANCE OF HAVING ADEQUATE INSURANCE COVERAGE

She has a very warm and friendly personality! As someone who is receiving her service, I feel very assured that I’m getting all the help and advice that I need

I like her presentation style! It's very clear and succinct, very easy to digest!

Keep doing what you are doing!

Nadhirah, Manager in a Statutory Organisation

A DYNAMIC LADY WHO PRIORITISES WHAT IS IMPORTANT

I was sceptical especially when it comes to insurance or investment as I always think that I’m still young and having normal savings in the bank would be sufficient for me till my retirement age. Till I met Kak Leen who shared her knowledge with me about financial matters which are very forthcoming and no hard selling which not many financial consultants process nowadays. To me, she is a real deal.

As a first timer, of course I have a lot of questions popping up in my head and no doubt she has always been there clearing my doubts. I am glad I choose her as my financial consultant who is good in what she does.

Other than being my financial consultant, she is like a friend, sister to me. I don’t feel pressure to tell her my needs when buying financial plans with her. She takes "No" as easy as it seems to be. She does her paperwork efficiently, always updating me along the way. She always making sure it benefits me more than her which is a real deal in her.

I am glad we met and I put my full trust in her on this. Thank you for always sharing knowledge with me about savings, investments and its importance.

I think this is the best investment I have made in my life, to be honest. I feel that I finally did something useful and Kak Leen clears my worries knowing that I can age without financial worries in years to come.

No more looking back. Keep doing you, Kak!

Nurul Ain M
Nazar, Civil Servant

FAR-SIGHTED AND FORWARD-LOOKING PARENTS WHO STARTED INVESTING FOR THEIR BOYS ❤️

We were looking for a suitable halal investment plan meant for our boys, to start them off early in their investment journey and saving up for their future. Kak Nora facilitated the process well and was able to propose and put together a comprehensive plan.

Alhamdulillah we are able to open one investment account for the boys with Kak Nora’s guidance and advice.

At least we have kickstarted some extra savings for them, a sort of legacy to pass to them ❤️.

Parents of Rayyan, Rayza, Rayhan & Rayif

A couple who Take Actions in Ensuring that They Have Sufficient Insurance Coverage

During the two sessions with Norazleen, what struck me most was how knowledgeable she is about the different insurance policies and her level of dedication and passion for her work. She displays joy and enthusiasm while explaining the different policies. She gave very clear and step-by-step explanation of the policies. She also made the time to travel to our home at our convenience.

The sessions were long and intense due to the nature of the in-depth and detailed explanation and form-filling, but Noraz has never once waned in energy and zest throughout the sessions. This could only stem from her passion for her job.

I felt assured knowing that I have the proper insurance coverage now and trust Noraz will continue to be helpful whenever I need consultation about my policies.

Fadzil Ismail, Special Education Officer and Rohaidah M
Taib, Teacher

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.

Norazleen Osman

Financial Services Consultant

Norazleen Osman

Financial Services Consultant

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