| 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. | | | | 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. | | | | Janice SamFinancial Consultant, Prudential Hi Everyone,
Emily is a leader who is willing to go the extra mile to support us with claims, underwriting, and new businesses.
She would invite other successful colleagues to give us inspiration and encouragement for our career here at Prudential. She would also invite other experts on other expertise such as investment to keep us abreast of the current market outlook. She would also provide us with courses to help us with upskilling our knowledge and improving our skills. | | | | 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. | | | | 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. | | | | Amy LoFinancial Consultant, Prudential Hi Everyone,
My Director, Emily, is passionate about her work especially in helping her clients in anyway possible whenever her services are required. Her passion is one important factor that made me stayed with her for over 20 years.
Not only she loves her clients, she also strive to help her consultants whenever possible. We can count on her to help out whenever we encounter issues with our work. | | | | Tracy PangFlorist, Lavender Bliss Hi Everyone,
She is my insurance agent and she has all the insurance knowledge to answer all my questions.
Also, she is always cheerful and very supportive of my online business. It's like a life mentor giving me guidance and encouragement with her experience and inspiration.
Thank you Emily. | | | | |