| 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. | | How to Be Happy in a Recession Recession begets misery, which makes for more economic bad times. You naturally make the pattern worse by following your loss-aversion instincts. Although you probably can’t break the global economy out of this feedback loop, you can break yourself out of it. Start with the following three practices. | | Here are 8 ways to bulletproof your finances ahead of a likely recession in 2023 5 personal finance experts here give tips on how to protect your finances. Their recommendations include building up an emergency fund, trimming your regular spending and up-skilling | | How to Stay Optimistic During Hard Times | | 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. | | Emily Lim | | | | | | | | unsubscribe | You are receiving this email because you're my client, a friend or you've given permission to receive this email. If you'd rather not receive our emails, you can unsubscribe from our mailing list by clicking 'Unsubscribe' above. © Emily Lim, All rights reserved. | | | | Ong Kok FongTeacher, Ministry Of Education Hi All,
Emily is not just my insurance agent. She is a wonderful friend who helped me and my family by rendering her help to us as our most needy time.
She analysed the existing policy that we are holding and would recommend what we need to us.
My greatest appreciation from her came when my mother was ill. Emily helped my family and I so much. From ferrying my mother to treatments, to lending us her car for our usage when she’s out of town. I always asked myself, which insurance agent would do that?
After my mother passed on, she helped us with the process to file for claims and such. Not just for the claims to her company but other insurance companies as well. We would be lost without her careful guidance.
Apart from being my insurance , she had also helped to monitor the funds I had, ensuring that I would not suffer any losses.
Emily is not an agent who goes to her clients for business purposes only. She wants the best for her clients within their comfortable budget. She is not someone who pushes for business for her own sales volume. she would be the first person available when the need arises.
Emily is a very caring, she would do all she could to help anyone in need. Knowing that life is tough for me as a single mother, she often checks on me to make sure I m well. When she knows my children want to be exposed to the financial consultant field, she immediately offer to take them in and enroll them in any available platform.
I’m so grateful to have Emily as my one and only trusted agent and my personal friend. | | | | Roger ChenFinancial Consultant, Prudential Hi Everyone,
Putting People First - is certainly the best way to describe my leader, Emily.
Emily is a leader who always have people’s interests at heart, she is always willing to go the extra mile for people who requires help, I have never heard her rejecting people’s plea for genuine help, this is especially rare in a world where many people are used to be self-centered, focusing only on their benefits.
From this selfless trait she has, I have learnt to be generous with people and to be sensitive to people’s well-being.
Towards her own associates, she has also never stopped finding ways to groom her associates to be the best version of themselves even if it risks sounding like a stern parent at home because she only wishes to see her associates prosper and do well in life as she believes that each of us, no matter which starting point we are at, will have the potential to be better and she never gives up on us even if we ourselves may have given up on ourselves. If you are seeking a leader who can inspire you to be become the best version you can be, Emily is the one to look for! | | | | Lim Ee AiHome Maker Hi Everyone,
Emily is very professional and knowledgeable in her work of field, always there to help and advise when we need her.
I went for my cataract operation in November 2022 and she was the one helping me sourced for Doctor and even accompany me to the consultation, very grateful to her!
All of our family members have policies with her, when insurance is concern, she's the one to approach, no second thought!
She is such a kind-hearted, caring, generous and empathetic person, very eager to lend a helping hand for those in need! We are very happy to have her taking care of our insurance matters! | | | | Doreen Lau Ah GuatDoing community work now Hi Friends,
Emily is caring and efficient who has empathy for her clients. She will go all the way out to help them. She is fast, efficient and very reliable. She is not only our financial consultant but our good family friend. | | | | Lee Ler YangStudent, Ngee Ann Polytechnic Hi Everyone,
Aunty Emily has always been around my family. Whenever we needed any clarification for our policies, she would always be available to answer our queries.
My personal experience with aunty Emily is when she recommended a policy to my sisters and me. She painstakingly went through every detail of the alternatives and justified what’s best for us. What’s best for us, and not what’s most profitable for herself.
When I expressed my interest in her business, she unselfishly brought me into her workplace and gave me advice on how I could go about achieving what I wish to be in the future.
Aunty Emily is very generous in offering her help to my sisters and me, she supported me in my studies to ease the burden off my mother.
I'm thankful for everything aunty Emily had done for my family and me.
Aunty Emily, no words can express my gratitude to you, thank you for being around us, I’m grateful to have you as a mentor. Please continue to guide me along. Thank you. | | | | Jeremy and Catharine LimScientist & Homemaker Hi Everyone,
Emily has served our parents faithfully ever since she started her career in this industry more than 30 years ago. We have been privileged to be under her care for the past few years. We have come across and been served by our fair share of 'financial consultants'.
Emily really stands out with her honest sincerity and wealth of experience. She advises with our best interests at heart, prioritizing our needs rather than her personal agenda. As a veteran in the industry, we appreciate that she continues to keep up with the trends and competition - so her advice remains relevant to our changing needs. Her after-sales service is equally stellar and timely, often involving her going above and beyond what is required. A simple and recent example would be when she found out we were down with Covid. Emily immediately arranged to bring food, fresh coconuts and herbal medicines personally to our doorstep.
Truly, Emily is more like a wise friend with practical advice we can turn to than a mere financial consultant going through the motions. | | | | |