Emily Lim

Prudential Financial Services Director

Emily Lim

Prudential Financial Services Director

Hi Beloved Parents, Siblings, Relatives, Clients, Fellow Associates and all in A Big Family

Time flies. Would you believe I am already 31 years in this Financial Planning Services representing Prudential.

I thank God for the mid life crisis at age 31. I took the plunge to join the life insurance business without much expectation.

Looking back, I am very thankful to all my friends, relatives, ex colleagues, referrals and COI who trusted and supported me. I didn’t realize that the promise of the life insurance would have helped so many clients with claims to a tune of $10 million so far in my career.

My first critical illness claim within 3 years of purchase in 1995 had fully convicted me of the importance of my work of helping mankind reduce the financial burden should anyone be diagnosed with a critical illness, disability and premature death. Your aspiration for Financial Freedom is my commitment to help you achieve it.

I really enjoyed what I am doing. Be willing to give time. Be willing to listen. Be willing to serve. I am deeply grateful to all of you. Thank you.

God Bless

With Love💓
Yours Truly
Emily Lim

Representing Prudential Assurance
Company Singapore (Pte) Ltd
Reg. No. 199002477Z
Https://www.prudential.com.sg/fc-info
Approval code: 030/07Feb23

Work
- Prudential Assurance Company Singapore (Pte) Ltd / 51 Scotts Road #04-05 Prudential@Scotts S228241
Credentials

Newsletters

Articles Worth Sharing

Newsletter Issue 97: SG2025 Budget Perks

Singapore’s Budget 2025 lays the foundation for economic resilience and community support. From financial aid and SG60 perks to business investments and digital growth, this edition unpacks key measures shaping the nation’s future. Discover how these policies impact businesses, families, and individuals in an evolving landscape of opportunities and challenges.

As Lunar New Year celebrations unfold and we gather with friends and family, let us remember that prosperity is not just about wealth and abundance but also about the wisdom shared and traditions passed down through generations. Amid the laughter, meals, and festivities—and the inherent hope and symbolism they carry—be kind and mindful to yourself and others, ensuring that the deeper meaning of heritage, connection, and togetherness endures beyond the moment.

As we enter the new year, it's the perfect time to celebrate endings and acknowledge our achievements. Embracing closure and recognising small wins fosters personal growth, resilience, and emotional well-being, transforming life's transitions into opportunities for reflection and reinvention as we move forward with intention.

As the year winds down, it’s the perfect time to reflect on the many reasons to be grateful in our lives. From uplifting mental health to strengthening connections, gratitude helps us end the year with purpose and warmth. Discover simple practices and insights to embrace appreciation and nurture meaningful moments this season.

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

Passionate About Her Work

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.

Amy Lo
Financial Consultant, Prudential

My Only Trusted Agent

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.

Ong Kok Fong
Teacher, Ministry Of Education

Saved My Life In The Nick of Time

Hi Everyone,

I am very grateful to Emily for saving my life way back in 2010. I remembered on that fateful day I was feeling very sick and the GP ordered me to admit to A&E immediately, but not sure of which hospital to go to. I gave a call to Emily and she straight away drove to my office and picked me up. Before heading to SGH A&E, she insisted that I should have my lunch first. She accompanied me thru the registration at the A&E. Next thing I landed up in hospital for next 2 months. Doctor mentioned that I was saved in the nick of time as I didn't know I was critically ill. On that day, Emily liaised with my kids on where I was and arranged for them to visit me on the next day.

I had since entrusted my children and myself in her care knowing that she will be ever ready to take care of me and my family. Thanks Emily! You are always so helpful and willing to go extra mile for others. You are awesome!

Jennifer Koh
Administration

First Class Service

Hi Everyone,

I have a very good relationship with Emily. Her ever-ready helpful, kind & positive attitude has always provided me & my families’ members with her First Class service. I have decided to engage Emily as my financial planner cause I have witnessed how she will always go thru the extra-mile to assist all of my other families members especially from being there with them during those final moments till processing the claims. I truly appreciate the speed all my claims were processed so far especially when I had a fracture 3 years ago. Not forgetting the off-&-on TCM treatment claims for my lower back injury, incurred from a fall at home too.

She also helped me with my travel baggage claims when my luggage was damaged at the airport on one of my holiday trips couple of years ago. Hence I strongly recommend Emily for your financial planning as she has me & my family best interest at heart.

Evelyn Lui Wan Theng
Clerical, Ngee Ann Polytechnic

Goes the Extra Mile

Hi Everyone,

Auntie Emily has been and will continue to be my go-to insurance agent, as her passion and sincerity in taking care of our financial future shines through her work, she goes the extra mile and ensures that we truly understand the plans that we chose to participate in, whilst also catering specialised plans for different members of our family.

Apart from being an insurance agent, Auntie Emily continually exposes us to different career pathways through attending the events that she recommended, and also gives us advice beyond that expected from the usual insurance agent. She is the embodiment of service from the heart and will definitely brighten your life!

Dear Auntie Emily, I am deeply grateful for the advice and opportunities that you have extended to me and my family, thank you very much for being a shining torch along our journey!

Lee Chen Xi
Patient Care Assistant, IHH Healthcare

Inspired Me with Her Generosity

Hi Everyone,

Emily has been there with me since the beginning. Till date I am already 15 years in the career, thus we have worked with each other for a long time. She has always inspired me with her generosity, letting me realized there is so much more in giving than taking. This attribute has helped me progress well in this career and thus I will say Emily has been an integral part in my growth.

She has always been frank with the people she deals with and that helps a lot in shaping many of us who are under her watch. On a personal note, she cares about my family as well and not just the career and I appreciate a lot for this caring side of her.

Looking forward to future interactions with Emily in the years ahead. Thanks Emily for being there for me all this while :)

Peter Teo
Financial Services Manager, Prudential

Our Best Interests at Heart

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.

Jeremy and Catharine Lim
Scientist & Homemaker

Fixed Appointment for Me

Hi Everyone,

I just need to call my FC Emily Lim for help to get a right lady gynecologist. Bingo, Emily fixed appointment for me. I just need to show up for the appointment. She was also there physically to support me. Thank you, Emily!

Chia Bee Kim
Safety Officer

Fetched Me to the TCM

Hi Everyone,

I am thankful to Emily who helped me find a TCM for my injury after a fall last April 2022. She came and fetched me to the TCM for treatment for at least twice. All my claims were successful. If you want to get a reliable agent, look for Emily!

Chern Sueh Ping
Retiree

Care for My Wife's Spirituality

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.

Richard Tan
Transport Service Provider

A Dedicated and Heartwarming Leader

Hi Everyone,

My director, Emily, is a dedicated and heartwarming superior. She is genuine in helping her agents and does it wholeheartedly without complains. Be it underwriting status or claims, just a word from us and she will go all out to seek answers for our queries.

Emily’s vast experience in this industry makes her a great mentor to her agents. Her sincerity coupled with the amount & depth of attention that she give her clients are valuable traits that she passed down to us. Because of her strong emphasis on servicing, we naturally strive to be responsible consultants for our clients.

Our job is not always smooth sailing as we have to constantly deal with rejections and sometimes difficult clients. However, with a supportive team and passionate leader, work becomes much more enjoyable!

Wendy Ong
Financial Consultant, Prudential

Give Us Inspiration and Encouragement

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.

Janice Sam
Financial Consultant, Prudential

Professional and knowledgeable

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!

Lim Ee Ai
Home Maker

Responsible and Caring Person

Hi Everyone,

Emily is a responsible and caring person. She is responsive and has helped me with my insurance enquiries and claims.

Emily updates me on changes to insurance plans related to our policy and provides options to ensure adequate coverage

She is Attentive to client’s needs and personally visits client when client is hospitalized. Great service.

Tan Ru Chen
Engineer

Always Cheerful and Very Supportive

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.

Tracy Pang
Florist, Lavender Bliss

Truly One of a Kind Leader

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.

Alexander Kong
Financial Consultant, Prudential

Putting People First

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!

Roger Chen
Financial Consultant, Prudential

Supported Me in My Studies

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.

Lee Ler Yang
Student, Ngee Ann Polytechnic

Tip-top and Excellent Service

Hi Everyone,

Emily has been providing us with tip-top and excellent service throughout the many years that she has been our insurance agent. Her quick response and professional advice has always been appreciated by my wife and I as well as our family.

Emily's extensive knowledge and experience in the financial planning/insurance industry is of great importance to us as she provides sound advice for our insurance requirements.

Through the many years, we have become more than agent/client. We are close family friends now.

Kwa Eng Kiat
Business Development, Digital Dream

Empathy for Her Clients

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.

Doreen Lau Ah Guat
Doing community work now

Cheerful, Friendly and Resourceful

Hi Everybody,

Time flies, I have been insured with Prudential for almost 30 years, approached by Emily Lim, my good friend. I knew her when she was working in MINDEF. Over the years, I and my children are insured with Prudential. Besides, I also invest in Prudential products which are introduced by Emily.

Emily is a cheerful, friendly and resourceful agent, especially because I've had problems recently to get a hospital bed for my husband and engage a helper to assist me in taking care of him. She assisted me to get the wanted items FOC and a suitable maid within a short time frame. I am grateful to her.

Currently, she is in charge of all my Prudential products. When any of my policies mature, she will remind me. I am thankful to have such a responsive agent.

Ong York Chin
Retiree

A Friend and a Companion

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.

Tan Wee King (Ms)
Professional Nurse Award 1995
Commonwealth Foundation Award 1999
Inaugural President's Award for Nurses 2000
30 years Community Service Award

Emily Lim

Prudential Financial Services Director

Emily Lim

Prudential Financial Services Director

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