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. | New HDB policy: Standard, Plus and Prime – how does it affect you? Housing and Development Board (HDB) will change how it classifies Build-to-Order (BTO) projects, starting in the second half of 2024. The policy changes intend to ensure that HDB policies continue to remain relevant in Singapore's current social and economic construct. | Understand the costs of buying a home This article provides a comprehensive guide to the costs of buying a home in Singapore, including down payment, stamp duty, legal fees, and renovation costs. | DECORATE YOUR HOME FOR FREE | 10 DECOR IDEAS ON A BUDGET | 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. | | | 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! | | | Richard TanTransport Service Provider Hi Everyone,
I personally do not believe in Insurance all my life until my wife was diagnosed with rare lung cancer stage IV in 2019. My late wife approached Emily to complain about severe backache. Emily arranged an orthopedic doctor to see her. Emily also took the time to fetch her to the doctor and stayed with her to accompany her the whole day. She also fetched her from chemo on days when I was busy with my work. Which agent would do that? Only Emily would do it! Not only Emily took care of my wife’s hospitalization claims, but she also took care of my wife spirituality. My wife was called home to the Lord after almost 2 years of fight with cancer. Emily also helped me process claims from other Insurers too. Emily has become my family member too. Recently, she also helped my maid Jiabao and accompanied her to SGH and private doctor to check on her health issue.
Thanks Emily with gratitude! Talk to her and get yourself protected. I too, have just got my overdue hospitalization policies which she approached me in 2010. If not for Emily’s help, I won’t know how to pay off my wife’s treatment bills which amount to 6 figures. | | | 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. | | | Tan Wee King (Ms)Professional Nurse Award 1995Commonwealth Foundation Award 1999Inaugural President's Award for Nurses 200030 years Community Service Award Hi Emily,
I believe my journey with you, which started during one of the lowest points in my life, will go far.
My husband had got himself a rare policy in order to support his ex-colleague – Emily Lim. A kind deed deserves another. When he passed on in 2016, Emily impressed me with her efficiency with a human touch when she helped process the policy claim. We had been friends since.
Emily has been a financial advisor to me like none other (I have four or five others). She keeps in touch intrusively. From her casual sharing, I hear of how she befriends her clients who need help and would go out of her way to assist, often what even family members would do.
I was touched by her concern for her staff, coaching them and giving them a leg-up when necessary, beyond work to their spiritual needs. Her role-modelling of attending to persons as a total fellow human being with multi-faceted needs would be helpful to those who are willing to learn from her.
As I age, I’m confident that I have a companion in Emily, as a friend and financial consultant who would be ready to assist and advise when necessary.
I thank God for you, Emily. May He continue to show you favour and anoint you with His love. | | | 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. | | | Alexander KongFinancial Consultant, Prudential Hi Everyone,
I have always struggled to find my place in the world. So it was easy for me to settle into a reserved geeky existence. However the harsh and expensive reality of life makes it impossible to continue living that way. Moreover it was particularly painful when family who knows me and cares for me worries whether I would make it in life. Hence I made 180 degree switch into sales and business and never looked back.
Changing and transforming to be better is painful and often times frustrating. Even more so when you are finding your way on your own without guidance. Things truly change for me when I met Emily and joined her team. My stars change, from a dependent and hopeless nobody into an independent and thriving agent, husband, father and son to his family and clients.
I have been blessed with many great leaders in my life but Emily is truly one of a kind. Through blood, sweat and tears she is fully committed to the transformation, livelihood and my growth as well as her team. Results don't lie. I have grown to believe in myself and begin to see how things can turn out well. I am able to see how I can have a happy succesful and fulfilled life thanks to Emily.
If you are looking to change your stars? My question to you is "What are you WAITING FOR?" Although Emily would be constantly knocking at your door, the question you need to come to terms with is this: "How much longer do you want to delay your breakthrough and get closer to the life of your choosing?". The opportunity is already here. | | | | |