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Had so fun this afternoon during our Staff Lunch Appreciation. Everyone dressed up as Superheroes to serve the administrative staff. A fun and engaging afternoon well spent!
Do you know any Superheroes in your life? No, they do not have to be a superhero wearing cape. Anyone can be a superhero.
𝐻𝑜𝓌 𝓉𝑜 𝐵𝑒𝒸𝑜𝓂𝑒 𝒶 𝑅𝑒𝒶𝓁 𝐿𝒾𝒻𝑒 𝒮𝓊𝓇𝓅𝑒𝓇𝒽𝑒𝓇𝑜?
Luncheon with @tflfinancial.
Had so fun this afternoon with @tflfinancial Staff Lunch Appreciation. Everyone dressed up as Superheroes to serve the administrative staff. A fun and engaging afternoon well spent!
Do you know any Superheroes in your life? No, they do not have to be a superhero wearing cape. Anyone can be a superhero. .
𝐻𝑜𝓌 𝓉𝑜 𝐵𝑒𝒸𝑜𝓂𝑒 𝒶 𝑅𝑒𝒶𝓁 𝐿𝒾𝒻𝑒 𝒮𝓊𝓇𝓅𝑒𝓇𝒽𝑒𝓇𝑜?
Thank you Charlotte for your trust in my work and for being so supportive and recommending my services to people important to you. I greatly appreciate the support and trust. It means a lot to me! .
*photo taken when I was still fat!
Recently I've been thinking what's the best way to get people to do more than putting their money in a bank deposit account. Seriously, with inflation and retirement being known events, it's just foolish to think hoarding money will ensure you are financially safe unless you earn an obscene amount of money. .
Find out the 3 possible strategies to help you kick start your smarter saving journey from the link in my profile!
How many people say they will spend lesser during retirement? 🙋🏻♀️🙋🏻♂️
These 4 common assumptions are the most often encountered reasons why people say retirement planning is unnecessary. .
I belong to the group where I can die but I cannot suffer. The fear of running out of money to pay for my lifestyle frightens me more than anything else. Why got people not scared one ah?
1 230 November, 2019
Change is inevitable, but growth is optional. We want to be your insurance partner as you take your business to the next level.
Find out more about how you can protect your business from unexpected events. Link in Bio.
Learn more about how to use your daily habits to pay lesser and earn better. .
Earn Better by saving your money in a bank account that gives a higher interest. You can also gain money if you use certain apps which rewards people as long as they purchase through their system. .
Pay Lesser by spending through credit cards. Find the optimal cashback card based on your spending habits to help you earn rebates/cashbacks while you go about your usual spending.
Click on the link on my profile to find out more!
So other than working hard, we play really hard too! Beyond the usual advisory work that we do, we hang out for interesting activities. .
Just last week, we went to check out our colleague's gaming cave where he has an arcade machine installed in his home. It's so cool and there's so many old school and modern games we didn't want to leave! .
One of the games I enjoyed most is his VR set which is an amazing experience. I'm tempted to make one of my rooms a games room as well after this visit. .
If you are bored at work and looking for a fun bunch to hang out with on top of great mentorship on how proper advisory can be done, we are expanding our team! Drop me a DM!
1 925 November, 2019
It seems to be human nature to constantly search for a hidden key or some esoteric bit of knowledge that suddenly leads to the end of the rainbow or a winning lottery ticket.
In our quest for success, we often overlook the most powerful tools available to us: time and the magic of compounding interest. Investing regularly, avoiding unnecessary financial risk, and letting your money work for you over a period of years and decades is a certain way to amass significant assets.
Here are several tips that should be followed by beginning investors.
1️⃣Diversify your investments
The popular way to manage risk is to diversify your exposure. Prudent investors own stocks of different companies in different industries, sometimes in different countries, with the expectation that a single bad event will not affect all of their holdings or will otherwise affect them to different degrees.
2️⃣Set long term goals
By knowing how much capital you will need and the future point in time when you will need it, you can calculate how much you should invest and what kind of return on your investment will be needed to produce the desired result. To estimate how much capital you are likely to need for retirement or future college expenses, use one of the free financial calculators available over the Internet.
3️⃣Understand your risk tolerance
By understanding your risk tolerance, you can avoid those investments which are likely to make you anxious. Generally speaking, you should never own an asset which keeps you from sleeping in the night. Anxiety stimulates fear which triggers emotional responses (rather than logical responses) to the stressor.
Comment down below if any of these tips helped you! 🔥🔥
When you are focused on reaching your financial goals, learning how to save money and cut your budget is important. The more you can save, the more quickly you will be able to reach your goals.🙌🏻 These 3 money-saving hacks can help you reach your financial goals by helping you save money on your everyday expenses
1️⃣Stop paying interest
If you have credit card debt, come up with a debt payoff plan. Then try to reduce the amount that you pay in interest. You can also transfer the balances to an interest- free credit card to help you save while you are paying off your debt.
Many people end up eating out or ordering takeout because they are too tired to plan and cook a meal at the end of the day. One strategy to deal with this is to prep your meals for the week on one day. This may mean cooking and freezing your meals so that all you have to do is heat them up when you get home.
Another option to save money is to try buying used instead of new. This may not work for every item, and you may end up using something as a holdover until you can save up and pay cash for the model you want.
If you have other money saving tips, please feel free to leave a comment down below to share your tips with everyone! 🔥
A budget is one of the best tools you have at your disposal to get control of your finances and to improve your financial situation. 💯
Budgeting takes work, especially in the first few months. You’re still getting organized, adjusting to any potential lifestyle changes, and simply getting used to the idea of being on a budget.
Here is one budgeting hack that can help, and might just give you the push you need to stick to a budget once and for all.
Cash only budget means that you are supposed to take out a certain amount of cash each week or month for a particular category, for example clothes. Once the money is gone, it’s gone. This will help you stick to a budget, even in your problem areas.
If you want to look at how you spent the money within these categories, keep the receipts. This way, you can further study your spending and determine when you run into issues.
1 122 November, 2019
The checklist helps us to ensure we cover all bases. A financial planning checklist makes it easier to see which tasks have been completed and which needs to be addressed.
Use this checklist to help you run through key points of the financial plan that needs you to pay attention to.
4 722 November, 2019
You punch a clock day in and day out, earn a meagre pay-check for performing mundane tasks far beneath your capabilities, and for what, to help catapult someone else to success? If so, you are not alone.
Many people are trapped in a cycle of chasing someone else’s dream for them, while theirs go unrealized.
Here is one entrepreneur that we can learn from:
William zhou, CEO & Co Founder of Chalk
Chalk is described by Forbes as “Microsoft for teachers.” This education-based software company was birthed out of William’s desire to assist overworked, overburdened educators. His company has created software that simplifies lesson planning, assessments, and the evaluation process for teachers.
The lesson we can learn from William is that it is important to connect and care about your customer. His primary motivation for starting this company was to provide a service to help teachers and not just to earn a great pay check.
He ended up doing both.
The amount you make is a reflection of how much value you’re creating for your company or people. If creating value for others is what you want, we’re here with you.
Drop a 🙌 in the comments box and we’ll send you a special link for you to start building your hustle.
1 221 November, 2019
Do you know how the SRS account works to help you get tax relief? .
This summary will give you an overview of all that you need to know about the SRS account.
Edited because the original image had typo error
It doesn’t matter what you do or where you work – everyone is looking for ways to be more productive on the job.
But excessive amounts of caffeine and list-making won’t get you any closer to reaching peak productivity levels today.🚫
Here are 3 top tips to be more productive.
1️⃣Cut your to-do list by half
Take a less-is-more approach to your to-do list by only focusing on accomplishing things that matter.
2️⃣Take more breaks
The ache in your brain after several long hours of work should be your signal to take a break. Give yourself a moment to refresh and you’ll come back recharged and ready to achieve greater efficiency.
3️⃣Follow the 80/20 rule
Only 20 percent of what you do each day produces 80 percent of your results. Eliminate the things that don’t matter during your workday -- they have a minimal effect on your overall productivity.
Let us know if any of these tips has helped you increase your productivity!! Or if you have more tips, we’ll love to hear from you! 🔥🔥
✈️🎄Going Holidays? Have You Got yours?
✅Better Be Safe Than Sorry!!!
Further 5% off on products "Travel/Hme/Maid/Accident/Mobility/Standard Car/Motorcycle & Cyber.
Simply key in at *Referral & Coupon code: PF00090708 to get it.
Quote of the day:
Just be brave and take that leap of faith and go for your dreams. 🏆Dont be torn down by others who think that it is impossible.
So what are you waiting for? Take that leap of faith now and strive for success!🔥
Regardless of the job to which you're applying, you need soft skills. In order to succeed at work, you must get along well with all the people with whom you interact, including managers, co-workers, clients, vendors, customers, and anyone else you communicate with while on the job. These are the types of skills all employers value.👍🏻👍🏻
You will likely need to communicate with people on the job, and also able to speak clearly and politely with people in person, by phone, and in writing. Employers want employees who can not only communicate their own ideas, but also listen empathetically to others. Listening is the no 1 skill you got to master if you want to win the hearts of people.
Employers are always seeking people who will bring a positive attitude to the office. They want employees who will be friendly to others, eager to work, and generally a pleasure to be around. Being able to keep things positive is especially important if you’re working in a fast-paced, high-stress work environment.
Hiring managers look for job candidates who can work well with others. You need to be able to work effectively with the people around you and be able to work with others even if you do not always see eye to eye. Some skills related to teamwork include the ability to negotiate with others, and to recognize and appreciate diversity in a team.
Now, what’s 1 skill that you would like to acquire before the year ends? Share with us in the comments box below!!🔥
Having a well written CV and seeming confident in a face-to-face interview is not enough to get a job anymore. 🤔Finding the most suitable candidate for a specific position requires companies to innovate in the way they screen, assess and select candidates.
Personality is a scientifically-proven predictor of job performance and assessing a candidate’s behavioural tendencies in a work environment allows recruiters to understand if a candidate will, in fact, be a top performer and if he will fit the culture of the company.
A personality assessment beats the traditional methods of gathering information and provides recruiters with objective insights that significantly improve the candidate selection.
So what are you waiting for? Get your personality tests now!🔥🔥
"I know Janice through a recommendation from a friend. I can say that she is different from the other financial advisors which I have come across before because she takes time to understand our needs and lifestyle before introducing the best policy which matches closely to our profile. Most importantly she does not make me feel pressured to take up anything. .
I gain a lot of knowledge through my experience with her and of course - she talks about the fun stuffs too!"
- Aishah -
2 1215 November, 2019
10 years ago, I was someone who didn’t dare to think that I can be confident. I was someone who didn’t dare to express my thoughts 🥺
I often doubted & downplayed myself. Then one day, I decided to take a little step out of my comfort zone by doing things I fear; Approaching people, talking to strangers & embracing failures.
And that’s when things start to change. When you do the things you fear, you see growth for yourself. You become a little more confident and you grow more. And this cycle repeats 📈
If you do not have the necessary skills yet, I believe it can be acquired as long as you’re willing to. That’s how you can create endless possibilities 🔥
Fast forward to today, I still feel fearful, uncertain and not confident at times. The only difference is that I’ve created a possibility of dealing with it.
What’s 1 possibility that you like to create for yourself before the year ends? 👇🏻
Have you ever been in a situation in which you were so pumped up for your holiday or weekend getaway? 🧳 That being said, travelling brings about a multitude of stress, from worrying if you have sufficient data for the trip, whether you brought along your passport and visa etc.
Here are 3 simple travel hacks to make your overseas trip a little easier!✈️
1️⃣Email yourself a scan of your passport
Have you ever been in that situation in which you misplaced your passport? You will thank yourself if you are ever a victim of theft or loss.
2️⃣Enable private browsing when booking flights
Airlines and travel sites can record your visits by installing cookies on your browser, which can cause the prices shown to rise simply because you have searched for those flights before, and they know that you are planning a trip.
3️⃣Mark your bags as fragile🧳
Not only does this mean your bag is more likely to be handled correctly, but it will also find itself at the top of pile in the storage compartment of the plane. You will then be able to get your baggage first and kickstart your adventure!
1 514 November, 2019
I used to think that everyone wants to live well. This desire might be true only if it doesn't require effort. .
Most of us are contented with life. We just want life to remain stable and have no change even during retirement. Have enough money to hang out on weekends, eat simply on weekdays, have enough for the occasional holidays... .
This can only happen if we are forward looking and make plans today that ensures our future. If not we will be in for a surprise in the future.
Some key points about optimistic assumptions on retirement planning was shared here. .
1) Will you have enough based on future cost of living if inflation remains at 2-3% at 65-85?
2) Will you really be happy if you downgrade your lifestyle after 20-40 years of living as you currently do?
3) Are you prepared for the requirements of old age particularly if you are alone?
4) Is your current financial plans robust to meet your goals in the future?
For the full article, refer to the link on my profile!
1 613 November, 2019
You can be running a business, managing a team, or teaching a class--leadership skills are very important. Some people seem to be born knowing what to do to inspire and lead others, but for most of us leadership does not come that naturally.
Fret not as we have 3 top ways that you can be a better leader today!
1️⃣Manage your emotions.
To be at your best as a leader, it is essential to learn how to manage your emotions well, and when you do, you can manage your energy and the energy of others too.
2️⃣Develop your skills.
If you do not have the skills to lead, no title or position will ever make you into the leader you want to be. There is only one way to become a better leader, and that is to work on your leadership skills, develop expertise in your field, and discover the heart of what leadership is about for you.
3️⃣Become a great communicator.
Discipline yourself to understand what is happening around you today by observing and listening. A great leader is always a skilled communicator--not only as a speaker but also as a listener, someone who stays focused and tuned in to the nuance of a conversation.
What are you waiting for? Apply these tips in your daily lives and you are on your way to become a better leader!🥇🏆
1 512 November, 2019
Taking part in my first corporate initiative where I help employees to review their portfolios.
1 912 November, 2019
Quote of the day:
“ A leader is one who knows the way, goes the way and shows the way”
Do you aspire to be a leader?
Comment 🔥 below if that’s a hell YES for you! Let’s all aim to help one another grow and succeed!
Recent McKinsey research showed that although digital technology has propelled some companies to become clear market winners, but for many more companies, corporate earnings have actually been impacted. The reason for this is because consumers, not companies, are often the ultimate winners. This is likely to be seen in the insurance industry as well.
The way forward for the development and adoption of insurtechs would be in two phases beginning with a focus on digital distribution and data, the second being sales and marketing.
Click the link in bio or copy and paste this in your browser to read more bit.ly/2NA3Q2K
2 411 November, 2019
#Insuree helps you make better informed decisions!
1 211 November, 2019
Insurance penetration in Singapore is the highest in South East Asia, but yet 85% of Singaporeans are under insured. This means that based on their current income and assets vs expenses and liabilities, most Singaporeans do not have adequate coverage. Many may conclude that the main issue is because insurance products are highly complex. However, we realized the cause for is much closer to heart.
With Insuree, we aim to take away your frustrations from managing your insurance portfolio and bring back the value and purpose of insurance.
Click the link in bio or copy and paste this in your browser to read more bit.ly/2NAeBCb
1 111 November, 2019
Customer centricity at the core of our approach
1 011 November, 2019
The insurance industry is on the brink of a major revolution as adoption of insurtech enters a new phase with data being the driving force for these innovations. However, there are no quick fixes to this industry to transform insurance from an arcane policy-led industry into one that succeeds by placing the consumer at the heart of everything it does.
At Insuree, our approach is to empower consumers to make better informed decisions while enabling insurance providers and agents to deliver quality customer experience. Which is why by branding ourselves "Insuree", we identify ourselves with "the insured" and "policyholders" of insurance.
We invite you to join us in our ambitious goal to digitally transform the industry from the core by providing greater transparency to bring back the original purpose and value of insurance to society.
Click link in bio or copy paste this in your browser to read more bit.ly/2Q3qq5w
It's pretty common that I get asked if they should redeem their loan. I realised people really hate loans and debts. .
Personally, I think debt can be your friend sometimes. The wealthy all have debts because that's how they get richer. .
The crux is to know when debt is your friend and when it's your enemy. These questions will get you started to evaluating that.
1 210 November, 2019
What is your best advise to someone who is trying to gain financial freedom?
So glad I was the first few hundred FCs to attend the product training for our new Maternity Insurance - PruMum and PruFirst Promise!
PruMum is now available as a stand-alone plan. You can choose to pair it with a Life plan instead of an Investment-linker plan, and have it transferred to your newborn WITHOUT medical underwriting.
I’m pleasantly surprised that PruMum even covers for Gestational Diabetes and Postpartum Depression! Psychological consultations are also covered for. This is a product that truly understands what a mother has to go through... Pru cares!
Mummies who conceived through assisted reproduction can now apply too. Which makes sense since IVF is so common nowadays.
Who can apply? Expectant mummies up to 46 years old, and 36 weeks into their pregnancy, are able to sign up for this comprehensive coverage.
Are you an expectant mum? Or know of someone who is pregnant? Please contact me! #prulady#maternityinsurance#financialplanning#sgfinancialplanning#insurance#sginsurance#medicalinsurance#maternity#prudential#prufc
0 128 November, 2019
"I have known Janice for about 2 years and so far I have been happy with her financial advice. She has been patient and always ready to share her products to enhance her clients well-being. She is also persistent, consistent but never pushy. She has been a great help so far and also a good friend. She is innovative and always updating her clients and friends on her product and financial services. Keep up the good work and kudos to her!" .
- Dean, Operations Manager -
A client once told me that an appointment with me feels like attending a class, informative and educational (not boring ah). That’s because I go through the fineprint of the entire policy, and I try to make it interesting.
I realised that not many people know the standard industry terms in an insurance contract, even if they have bought policies before. This goes to show that their previous agents never went through with them. Well, not me. Insurance is straight-forward in that sense, it’s logical, well-defined and regulated. Once you understand it, it’s very rational.
For example, when I ask people if they know what the 37 types of Critical Illnesses are, I get answers like ‘lung cancer’, ‘breast cancer’, ‘diabetes’, ‘stroke’. Did you know that cancer is one category, no matter which site, and that diabetes is NOT an insurable critical illness? But the complications that come with it are payable with special benefit.
Did you also know that coma is a critical illness? And that its severity as defined by the industry is measured according to the duration of unconsciousness. As such, a coma under 72 hours is an early/ intermediate stage CI. Which also means that if you do not have any early CI coverage, and you wake up before 72 hours is up, you better knock yourself out again. 😅🤣 Kidding 😝
April marks the start of Q2 for 2019 & I’m super excited to take on a couple of challenges this month.
2 ᴀᴘʀɪʟ - 300% ɢʀᴏᴡᴛʜ
Was presented with a challenge of 300% growth as a team for the next 4 months and the team decided to accept it eventually. It’s a super super huge challenge for us and I think this journey to break records will be a meaningful one.
9 ᴀᴘʀɪʟ - ᴀᴄʜɪᴇᴠᴇʀ ᴅᴀʏ
I’ve never imagined before in my entire life I’ll get an opportunity to speak to a thousand people. Super thankful for this & I’ll do my best for this show 🙏
16ᴛʜ ᴀᴘʀɪʟ - ᴘʀᴇʟɪᴛ Q2 ʙᴏᴏsᴛ
Speaking to a room of veterans and awardees probably will require a lot more perspectives in order to create value for them. It’s just a couple of more days to create a new content deck.
19ᴛʜ ᴛᴏ 21 ᴀᴘʀɪʟ - ʙᴀʙʏfᴀɪʀ
Joining the team for this event as we put ourselves there in the biggest baby show that weekend to have meaningful conversations with new parents to be!
All in all, April is going to be a hectic month. I’m not sure how exactly am I going to do it. It would mean so so much to me if you could drop a 💪🏻 as a form of encouragement!
Annuity plans have been in the news recently and some of my friends have been asking me about it. Do you know that CPF Life is also a form of annuity plan?
An annuity is an instrument for retirement planning. Simply put, you save during your working years and only receive the payout upon retirement age, which is usually at a prefix age of 65. The monthly payout amount is fixed by you; You tell me how much money you want from this plan when you retire - $2,000? $1,000? $500? Then we work backwards and calculate how much you need to save aside now.
So it helps to know your monthly expenses now. It helps you to visualize how much you will need when you retire. Don’t forget even though you stop working at 65, the bills still come. Water, electricity, gas, handphone, food, insurance and some money to spend when you hangout with friends.
I also propose to clients the possibility of using annuity to hedge against increasing medical insurance premium in later years.
So when should you start? The old adage applies, the earlier you start to save, the easier it will be for YOU. Do you want to have a golden retirement? Do you want to enjoy after so many years of working life? DM if you want to know more! #ftwm#sgmummy#sgmotherhood#insurance#financialplanning#prufc#prudential#sginsurance#annuity#goldenretirement#seconddaytues#influencer#hustling
19 733 September, 2019
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