| 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. | |  | | Pak-Tjun Chin I got to know Steven through a mutual friend back in Nov-2019. Being a foreigner new to Singapore, Steven warmly welcomed me into his weekly hiking sessions at Bt Timah Forest Reserve. Since then, we have been religiously 'conquering' Bt Timah hill. More recently, we even extended our hike to start from MacRitchie Reservoir. Steven's motto is 'What is impossible today, will become warm-up tomorrow', and he truly believes in this!
Separately, I have also grown to trust Steven with my insurance needs. Being new and alone in Singapore, I knew that having appropriate insurance coverage is paramount. Steven was very detailed and thorough in his briefing sessions and provided me coverage options that suited my needs. No pushy sales or pressure. I would strongly recommend Steven to anyone looking for an experienced, authentic and straight-taking insurance advisor. | |  | | 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. 👍🏼👍🏼 | |  | | Mei Mei apj Regional Sales Compensation Enablement Manager, Hp Inc I have a strong recommendation for Steven Sit if you are looking for a personal financial consultant or any advice related to insurance counseling.
He is committed, knowledgeable and reliable. He is always contactable and ready with any answer if you needed to check on your policies. No hassle, no waste of time and he is always there for you.
My first policy back then in 1992 and more through the years till my recent policy were all well managed by Steven, my trusted agent! | |  | | Educator, Ministry Of Education Steven is a very responsible agent with integrity. Client-centered, he seeks to understand the client needs before recommending a product.
He will tirelessly explain clearly and allows clients to clarify, as well as give them critical information. | |  | | June Ang, Director AON
I met Steven when I was an underwriter in AIG more than 10 years ago. During that period, he was not my appointed Life agent yet but I was impressed with his proactiveness and diligence. Subsequently, Steven was appointed as my personal agent. Steven continues to be an impressive financial advisor. He also extends his assistance as a personal friend. He is a trustworthy agent and friend, a person whom I would definitely give a "thumbs up." | |  | | Frederic Steven became my trusted agent recently, and after a long process on my side.
I value independent, unbiased advice, and I had long sessions with him sharing on my needs, his understanding, the different products he could offer and so on, and I eventually decided to entrust him with part of my financial planning.
Thank you Steven for offering good and neutral advice, that makes a difference. I know I am in good hands now. | | | | |
