| As the world enters a recession, the upcoming year can pose a challenge for many due to increasing economic uncertainty, and the natural fears surrounding it. In this issue, we look at some trends and possible actions that can help us become more emotionally and financially resilient to not just ride out the challenges, but rise above them. I hope this gives us hope. | | How to Be Happy in a Recession Recession begets misery, which makes for more economic bad times. You naturally make the pattern worse by following your loss-aversion instincts. Although you probably can’t break the global economy out of this feedback loop, you can break yourself out of it. Start with the following three practices. | | Here are 8 ways to bulletproof your finances ahead of a likely recession in 2023 5 personal finance experts here give tips on how to protect your finances. Their recommendations include building up an emergency fund, trimming your regular spending and up-skilling | | How to Stay Optimistic During Hard Times  | | Proudly Brought to You I seek to reach out to people who believe in safeguarding the interests of their loved ones. Let me know if I can be of help to someone you know or care about. We can make a difference to lives when it matters most. Cheers. | | Steven Sit Poh Sang | | | | | | | | 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.
© Steven Sit Poh Sang, All rights reserved. | |  | | Anna Neo Steven has been the most trusting, reliable and competent agent one can have.
Our friendship of over 20 years started from my very first life policy. Since then, Steven has been a trusted family friend within my circle of extended family and friends.
I know I can depend on Steven whenever I needed help and advice. He is always ready to listen and attend to my queries. Recently our family underwent a challenging time when my mother suffered from a stroke. Steven has been very patient in supporting and explaining every step to us, from hospitalisation, transferring to community hospital to post hospitalisation care.
Our family and I really appreciate Steven's friendship, care and concern, and the professionalism he displays during his work. We are indeed blessed to have met and know Steven. | |  | | Hway Sang I have come across many financial and insurance advisors who fade away after time. So much so that when you are in need, they can’t be found.
Steven on the other hand is a person who is dependable. He is an energetic person with trustworthy character. He is always attentive and prompt. Never failed to answer phone calls or respond texts even when he is on holiday.
Thank you Steven, for helping on my sister’s case. She would have a lot more to worry about if it is not for you.
I highly recommend Steven to anyone looking for quality advice and impeccable customer service. | |  | | Herta Monica Montesino Cucos (MBA LLM), Corporate Development Manager, AMITY Singapore Steven has always been amazing!
I am so happy and grateful that I was recommended to him as my advisor for my medical insurance needs.
He has helped me to understand and ensured I had the best plan with the right coverage that’s suits my needs and budget.
When I fell sick and was hospitalized, he answered my queries promptly & also made sure everything is covered by my plan! I can't tell how secure and cared I felt, as I was alone in a foreign country with none of my family members around then.
I can’t imagine switching to another advisor. Steven is probably the best insurance advisor I could ever find as he has gone above and beyond in his customer service!
In a few words, Steven is phenomenal!
Responsive, attentive to my needs, and professional! Couldn’t have asked for anyone better. Love the service and I highly recommend him.
| |  | | Carol Chua Foo, Adjunct Lecturer, Republic Polytechinc Steven has been a true professional in handling my family's insurance and financial planning needs.
In the last 2 years, we had 2 accidents with our children and desperately turned to Steven for assistance. During both occasions, he was there to assist us throughout the journey, accessible at all hours of the day and provided us professional guidance and advice.
Most importantly, he showed genuine care and concern. I guess at the end of the day, such authentic and genuine display of human emotions are the key reasons why we have been his clients since 1990s. | |  | | Michelle Ong, Business Owner I’ve known Steven for over 10 years and he is truly one of the more genuine agents I have come to know.
He will always put his clients interests before his own as he offers his professional advice base on what the client needs and never for his personal gains only.
He cares for his clients and always makes a point to set appointment at the clients’ convenience. The special efforts he is willing to put in for his clients is something you certainly don’t get to see everyday.
Steven is not just a good agent, he has also become a good friend. He is always encouraging his clients to have a healthy and balance lifestyle, choosing to bond over a glass of wine occasionally.
I will definitely recommend Steven to anyone who’s looking for someone who goes beyond his call of duty and cares genuinely as a friend. 👍🏼👍🏼 | |  | | Language Coach & Property Consultant What struck me when I met Steven was that he was Friendly, sincere and warm. He would clarify any doubts I had and was Assuring.
Over the years when claims had to to be made, he was also Meticulous in ensuring that I was well taken care of and would follow up closely on the process. In short, he's Excellent in his work and his passion to give the best to his clients is evident.
So, if you have not spoken to this Friendly , Assuring , Meticulous and Excellent family agent of ours , you should. | | | | |
