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Man starts charitable fund with close to $100k in life savings left by his nanny
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Man starts charitable fund with close to $100k in life savings left by his nanny

A tech investor was shocked to find out that his majie, or nanny, left him her life savings of close to $100,000 when she died.

To honour her, the 41-year-old, who wanted to be known only as Mr Lim, used the money to set up a charitable fund in her name with the Community Foundation of Singapore (CFS) in 2023.

The Loi Ooi Toh Fund supports home care service for seniors, among other things.

A tech investor was shocked to find out that his majie, or nanny, left him her life savings of close to $100,000 when she died.

To honour her, the 41-year-old, who wanted to be known only as Mr Lim, used the money to set up a charitable fund in her name with the Community Foundation of Singapore (CFS) in 2023.

The Loi Ooi Toh Fund supports home care service for seniors, among other things.

On honouring his late majie’s memory in this way, Mr Lim said: “It’s a statement that her life mattered. I hope, in a very small way, to honour her and the generations of majie who have made Singapore their home and given their lives in service. Rather than them fading into history, we can help to remember them.”

Majie are women from China who worked as domestic servants or nannies in Singapore since the Republic’s pre-independence years. The last of these majie were said to have retired in the 1970s and 1980s.

Mr Lim is one of the growing number of people who have started a donor-advised fund at the CFS, which is Singapore’s first community foundation, set up in 2008.

There were 244 such funds by the end of September, up from 143 funds in the 2019 financial year, said CFS director of partnerships and engagement Theresa Cheong. Sign up

Donor-advised funds allow wealthy donors to give to a range of charitable causes without incurring the significant expenses needed to start and run a standalone private foundation.

At the CFS, a minimum of $200,000 is required to start a donor-advised fund, and the donor can name the fund and decide on the charitable causes to support. The CFS will handle the administration and management of the fund.

To start the Loi Ooi Toh Fund, Mr Lim topped up more than $100,000 of his own money to the sum Miss Loi left, to meet the $200,000 sum required.

He said his majie was originally from Guangdong, China, and she never married.

“Toh Jie”, as his family called her, started working for his family when she was in her 60s and he was a pre-schooler. She lived in their house for four to five years until she retired.

“She was like a surrogate grandmother to me,” said Mr Lim, who would only say that he had a “privileged upbringing” when asked about his family.

She cared for him and his younger brother, while a Filipino maid did the housekeeping chores. His youngest brother was born after Miss Loi retired.

Recalling how she was strict and “stoic”, Mr Lim said: “She was not a woman of many words, but she was always happy to see us.”

Mr Lim said his family kept in touch with Miss Loi until her death about 10 years ago. She was in her 90s when she died.

After retiring, she lived in a one-room HDB rental flat in Chinatown, which she kept “super spartan and super clean”, Mr Lim said.

She was “fiercely independent” until she fell and broke her hip.

She could not walk unassisted after that, and Mr Lim’s family paid for her nursing home stay for a few years until she died.

“She spent her life in service to others,” he said. “To the end, she was always thinking about how she could do something for us.”

Mr Lim said Miss Loi left the bulk of her life savings to him for his wedding, and the rest of her money went to her relatives in China.

“I was shocked by the amount and that she left it to me. I was only the last of her charges. I was very touched.”

He is not married, and said he would pay for his own wedding if he does tie the knot.

As he did well at work during the Covid-19 pandemic “and I don’t really have any need for the cash”, Mr Lim used the money Miss Loi left him to start the charitable fund.

Mr Lim said many social workers visited Miss Loi when she was living alone after retirement and so, he wanted to support social work education.

The Loi Ooi Toh Fund supports financially disadvantaged social work undergraduates at the Singapore University of Social Sciences.

It also funds the Yong-en Care Centre’s home care service, which supports seniors with limited mobility and chronic health conditions as they recover at home after being discharged from the hospital.

Ms Cheong said the growing number of donor-advised funds at CFS reflects the growing awareness and shift towards strategic and impactful philanthropy.

Many of the new donors give to education, healthcare and social welfare, she said, adding that there is a growing interest in sustainability causes.

CFS disbursed $22.5 million in charitable grants in the 2023 financial year, up from $16.8 million the year before.

The Dr Lim Boon Tiong Foundation was started in 2018 with a gift of $24 million – the largest sum given to start a donor-advised fund at the CFS – to support urological cancer research, palliative and elderly care.

The late Dr Lim was a general practitioner who worked until he was 80 years old, and he often gave free medical treatment to those in need, Ms Cheong said.

In 2023, the widow of the late Law Society president Adrian Tan started the Adrian Tan Memorial Fund as a “heartfelt tribute to her late husband and to support causes Adrian was passionate about”, Ms Cheong said.

The Adrian Tan Memorial Fund focuses on facilitating access to legal services for marginalised communities through Pro Bono SG, and advocating for the welfare of migrant workers.

Mr Tan died in July 2023 at the age of 57, after a legal career that spanned over 30 years. He is also known as the author of The Teenage Textbook and its sequel, The Teenage Workbook.

Source: The Straits Times © SPH Media Limited. Permission required for reproduction.

Events

Colabs: doing more for persons with disabilities

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As persons with disabilities reach age 18 and exit the school system, they face new life challenges, including living their desired life and gaining access to care and support. With a keen eye on identifying opportunities to improve the lives of these individuals, we kicked off the Colabs Disability series which focused on engagement pathways and employment through catalysing cross-sector collaboration.

As part of the series, participants were recently invited to the MINDS’ Idea Employment Development Centre to understand what a sheltered employment workshop in Singapore would look like. Made up of a diverse group, including social enterprises, corporates, philanthropic institutions, government agencies and non-profits, the group bonded over a common desire to learn and do more for persons with disabilities.

The group took part in various work stations at MINDS, where they interacted and worked alongside their clients. On a daily basis, clients were engaged in a wide range of activities, from seeding, retail, craft and kitchen work, to the packing of edible gifts, bottled water, and disposable earphones.

Next, participants gathered to share their aspirations for persons with disabilities, and their ideas on how the current model of sheltered employment could be improved. For many in the room, it was an eye-opening experience and a great chance to explore opportunities to contribute and collaborate.

Within the context of the sheltered workshop, companies and philanthropists can:

Create greater variety in jobs in workshops, or increase the number of jobs available, by connecting sheltered workshops with potential employers to explore and implement job re-design matched to the abilities of persons with disabilities, or encouraging companies to outsource certain tasks to persons with disabilities (e.g. event decoration, gift preparation, logistics). Much of this can be enabled by education and outreach to potential partners.

Provide a variety of social activities outside of work tasks in sheltered employment workshops, through partnerships with existing non-profits.

Improve the financial sustainability of running sheltered workshops by funding wages or subsidies, providing pro-bono services or skill-based volunteering to sheltered workshops in the marketing of existing products such as bottled water, food and gifts.

Companies and philanthropists interested in understanding how to work together with MINDS can contact the Idea Employment Development Centre to explore possibilities.

If you’re interested in what can be done to support persons with disabilities and their caregivers, the DesignSingapore Council has published an ethnographic study documenting how persons with disabilities live, work and interact with society, along with an illustrated overview of services supporting persons with disabilities. 

Some suggestions for collaborative solutions – based on the collective feedback of over 80 participants in the series – are outlined in the Colabs publication ‘A Call for Collaborative Giving: Bridging the Divide for Persons with Disabilities’ which can be downloaded here.

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CFS welcomes new Chairman Christine Ong, succeeding Laurence Lien

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Three individuals standing together in front of a screen, engaged in an activity or presentation.

(From left) Catherine Loh, Christine Ong and Laurence Lien.

The Community Foundation of Singapore (CFS) welcomes new Chairman Christine Ong on 1 April 2019, succeeding outgoing Chairman Laurence Lien. The handover was announced at the CFS Philanthropy Forum 2019 held on 18 March.

Signalling a new phase for CFS as the organisation looks to the future, Christine brings extensive experience spanning 30 years from the banking and finance industry, with key leadership positions in Citibank and UBS. She has long been involved in volunteering and mentoring in community regeneration, education and the arts. At UBS, she started a community affairs programme which raised $3 million to support various causes around the region including educating disadvantaged young people in East Java and saving children from being used as drug mules in the Mekong sub-region.

Christine is a current board member of Focus on the Family. She most recently served as Chairman of Arts House Limited and was previously on the board of The Esplanade Co Ltd (2015–2018).

Said Christine, “It is an honour for me to step into Laurence’s giant shoes at CFS. Laurence has not only built a successful organisation but his inclusive leadership has helped forge strong relationships with donors, partners and stakeholders.I am grateful for the opportunity to lead CFS which, over the years, has transformed how philanthropy is approached. As the organisation evolves to respond to an increasingly complex social landscape, I shall continue to build on the trust and meaningful relationships established between donors and charity partners to inspire even more giving and lead CFS into the next decade.”

Laurence was a founding director of CFS when it was launched in 2009, acting CEO from 2009–2013, and has served as its Chairman since 2013. He has been instrumental in introducing the concept of community philanthropy through donor advised funds to Singapore. He played a significant role in helping CFS grow to achieve 126 funds, raising over $134 million and disbursing over $71 million to over 400 charitable organisations in Singapore.

CFS CEO Catherine Loh remarked, “Under Laurence’s strategic leadership, CFS has grown tremendously and established itself as an organisation well-regarded for its community knowledge, professionalism and strategic approach to giving.”

Reflecting on his ten-year tenure at CFS, Laurence said, “When you start a venture in the non-profit sector, you don’t own anything. The rewards are not material but instead a personal satisfaction that comes from knowing you made a difference.”

He cited CFS’s phenomenal four-fold growth in 2018 as a fitting time for his departure, “CFS is really at an inflection point and it is a good time to leave on a high note. I am confident that with a good board and team already in place, and an experienced hand taking over as Chair, CFS will grow from strength to strength, and become a landmark in Singapore’s giving landscape.”

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The competition was organised by City Harvest Community Services Association and received support from FUN! Fund, a Community Impact Fund jointly established by the Community Foundation of Singapore and the Agency for Integrated Care, with the aim of addressing social isolation among the elderly.

Senior Minister of State, Ministry of Communications and Information & Ministry of National Development Mr Tan Kiat How attended the event. He encouraged the elderly to stay physically and mentally well, as well as urging them to participate in community activities and enjoy their golden years together.

Learn more about FUN! Fund at https://www.cf.org.sg/fun-fund/.

 

The programme provides the children with a non-threatening platform to connect with peers and have positive conversations. In addition, it exposes them to different people who can assist to broaden their perspectives.

L.S., a volunteer with the Reading Odyssey programme @ Spooner Road

中心“常胜将军”胡锦盛:比赛限时反应要快

现年92岁的胡锦盛是最年长的参赛者。自2017年退休后,他几乎每天都到活跃乐龄中心报到,从此爱上了玩拉密,每次可玩上三个小时,在中心是“常胜将军”。

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News

Lianhe Zaobao: CFS has helped donors set up more than 80 funds in the past 8 years

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胡洁梅 14 November 2016

从资助年长者活动的基金,到帮助工艺教育学院学生的“纳丹教 育提升基金”,新加坡社会基金会协助设立的基金从八年前的七个, 蓬勃发展至目前的80多个,支持各类公益项目。

年设立的慈善机构新加坡社会基金会(The Community Foundation of Singapore)旨在为善长仁翁提供咨询服务,协助他 们成立基金推展公益活动,并管理基金。捐款者须承诺至少20万元来 设立基金。

基金会总裁罗佩仪在回顾基金会的发展时指出,更多有经济能力 的个人和家庭希望能回馈社会,却没有时间和资源来设立基金会。“ 社会基金会希望为善长仁翁提供一站式咨询,协助他们管理基金,并确保良好且高素质的监管水平。”

她说,更多有经济能力的家庭推动慈善事业,把它当作教育下一 代社会责任的方式。近年就有更多家庭找上社会基金会,要求协助以 家人名义设立基金。

不过这类捐款者一般保持低调的捐款方式,谢绝受访。

罗佩仪受询时透露:“尽管经济增长放缓,基金会今年的捐款额 增长率仍持稳。受经济影响,加上去年SG50庆祝活动和优惠(捐款税 务回扣300%),去年收到的捐款额其实比较多,不过基金会今年也 迎来新的捐款者,因为他们明白在当前的经济情况下,更需要帮助有 需者,因此整体的捐款情况仍不错。”

至今,社会基金会已协助设立80多个基金,发放4200万元,支持 不同慈善项目,合作的慈善团体有超过400个。

基金会根据捐款者想支持的公益项目类别,协助成立基金,让相 关志愿组织机构利用。虽然多数捐款者支持的项目普遍针对年长者、 体障、教育事业等,但已逐渐以较新颖的方式推行,不局限于颁发奖 学金和助学金。

退休商人伯德(William Bird)与妻子设立的基金资助一些机构 为年长者举办郊游活动等,过去六年已有50多个乐龄护理中心获益。

SymAsia是另一个协助捐献者以个人或公司名义设立基金、并在 本地注册的基金会,由瑞士信贷(Credit Suisse)管理。这也是亚太 区唯一由银行经营的捐献者指示基金会(Donor Advised Fund)。捐 献者须承诺至少100万元设立基金。

瑞信亚太区家族办公室服务兼慈善顾问董事洪智聪指出,自2010 年设立以来,SymAsia基金会截至去年10月已有约8000万元捐款支持 亚太区的300多个慈善机构。SymAsia旨在支持人道和社会发展项目、 自然保护、教育、文化等方面的公益事业。

Read more.

Translation:

From helping the elderly to the S R Nathan Education Upliftment Fund, CFS has grown from seven to 80 funds in eight years, supporting a wide range of causes.

CFS provides philanthropy advisory services to donors who pledge $200,000 to set up a fund.

Said CFS CEO Catherine Loh, “More wealthy individuals or families want to give back but lack the time and resources to set up their own foundations. CFS offers one-stop philanthropic services for these donors, helping to manage the funds and ensuring that all grants are made with high levels of governance and accountability.”

“More families have started charitable giving as they see family philanthropy as a way to bring multi generations closer together and instil a sense of social responsibility in the younger generation. In recent years, an increasing number of families have approached CFS to set up family or legacy funds.”

Many of these donors wish to remain private and declined to be interviewed.

Ms Loh continues, “With slowing economic growth, as well as donors having given a higher than normal amount last year due to SG50 celebrations and incentives (300% tax deductions), we do find that donation amounts are lower this year. However, we also have new donors who understand the urgency to provide more financial support to the needy despite the economy slowdown. As a result, overall donation growth is constant this year.”

Up till today, CFS has raised $80 million in donations, disbursed $42 million in grants in partnerships with over 400 charities.

CFS helps donors set up funds, then bridge donors to support their desired charitable causes. While most donors still gravitate towards the usual causes such as education, health, elderly and the disabled, they are open to supporting these causes in new ways.

Mr and Mrs William Bird’s fund has benefited seniors from over 50 eldercare centres.

SymAsia is another organisation that helps individual donors or companies set up funds, managed by Credit Suisse. It is Asia’s first bank that manages donor advised funds, with a minimum donation of $1m to set up a fund.

SymAsia’s Deputy CEO Bernard Fung said, “Since 2010 till last October, SymAsia has raised $80m in donations to help 300 charitable organisations in Asia. SymAsia supports development and community programmes in environment, education, culture.”

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Stories Of Impact

Helping migrant workers with a home and a heart

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Happy group of individuals posing with a 'home' sign.

When Li Meimei*, a single mother of two young children from Chongqing, China came to Singapore last year, she had hoped to be able to work to pay off the loan of RMB 200,000 (SGD 40,000) which she had taken out in her home country.

However, she got far more than she had bargained for when she started working for a beauty and massage parlour in Singapore. Not only did Li have to pay kickback to her employer, she was also coerced to perform illicit acts for customers. When Li refused, she was punished with menial labour such as cleaning and clearing out rubbish.

While working, Li suffered a fall and fractured her tailbone. Her employer was unsympathetic, and after discovering that Li would take a long time to recover, cancelled her work permit and attempted to repatriate her without compensation of salary or returning her kickback.

Eventually, Li managed to seek reprieve when she approached the Humanitarian Organization for Migration Economics (HOME). HOME is supported by the Migrants Emergency Assistance and Support (MEANS), a Community Impact Fund (CIF) managed by the Community Foundation of Singapore (CFS). HOME provided Li with shelter, food and a transport allowance, even paying for her medical bills which allowed her to continue treatment for her injury.

Singapore is host to more than a million low-skilled and semi-skilled migrant workers from countries in the region, and many of these workers experience similar situations faced by Li Meimei. Unpaid salaries, overwork, physical and psychological abuse are the problems that some of these men and women have to endure during their employment in Singapore. A significant number of migrant workers are also victims of forced labour and human trafficking.

Through CFS’s casework team, HOME was able to assist 1,400 marginalised migrant workers in 2019. Out of that number, 409 workers were provided with financial assistance to pay for temporary accommodation, seek medical care and buy food. CFS disbursed a grant of over $47,500 in June 2019 using donations via Giving.sg. Such financial assistance is also extended to support male migrant workers who are evicted from their dormitories, or for migrant workers to purchase flight tickets and bus rides to reach their home countries safely.

HOME received IPC charity status in 2004, and continues to be one of the few organisations in Singapore that provides support to migrant workers and is dedicated to upholding their rights. Their efforts are primarily directed towards the welfare and empowerment of migrant workers, which are focused on but not limited to shelter, transport, crisis support, skills development, counselling and medical needs.

*not her real name

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The competition was organised by City Harvest Community Services Association and received support from FUN! Fund, a Community Impact Fund jointly established by the Community Foundation of Singapore and the Agency for Integrated Care, with the aim of addressing social isolation among the elderly.

Senior Minister of State, Ministry of Communications and Information & Ministry of National Development Mr Tan Kiat How attended the event. He encouraged the elderly to stay physically and mentally well, as well as urging them to participate in community activities and enjoy their golden years together.

Learn more about FUN! Fund at https://www.cf.org.sg/fun-fund/.

 

The programme provides the children with a non-threatening platform to connect with peers and have positive conversations. In addition, it exposes them to different people who can assist to broaden their perspectives.

L.S., a volunteer with the Reading Odyssey programme @ Spooner Road

中心“常胜将军”胡锦盛:比赛限时反应要快

现年92岁的胡锦盛是最年长的参赛者。自2017年退休后,他几乎每天都到活跃乐龄中心报到,从此爱上了玩拉密,每次可玩上三个小时,在中心是“常胜将军”。

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Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry's standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book.

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