| 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. | |  | | Loh Soi Min I bought a simple Travel Insurance from Steven as I was going on a Everest Base Camp trek.
I was totally impressed by the level of commitment and service provided. I had to be evacuated on the way down after a fall. As we had to contact AIG for approval for the medical evacuation, I messaged Steven and his response to my questions were quite immediate, giving me the necessary numbers and items claimable each time a message is sent.
This no doubt helped me to get the necessary approvals quickly and I was evacuated within 24 hours. For a small value policy, Steven has shown that he has his clients' interests at heart and can be trusted fully. He is definitely someone whom I would consider as my financial adviser. | |  | | Ching Eng This is a long overdue note to a fantastic individual.
I know Mr Steven Sit for more than 20 years when we were both in same military NS unit. He was already in the early success then and he led an extravagant lifestyle at that time.
Therefore it was not surprising that he barely made it in the annual fitness assessment and I remembered laughing at him sarcastically.
Well, he has since transformed into a big enthusiast in wellness activities (ask him for the pic full of run event medals) and more importantly, with a transformed personality.
Through the engagements at personal and financial planning levels, Steven is always a call or a text away. He is passionate in life and always shared the best and relevant products with those he connects. There is no selling, just sharing.
In a complex situation, I remembered telling him I shall take it up with his management as I fully aware it was beyond him but he still represented me to escalate till a closure.
Steven’s transformation is an inspiring and good learning model to me. I have benefitted a lot by applying his philosophy of “Law of Attraction”
Have a chat with Steven! He is my friend, my life coach and by the way - he is my financial advisor!
Thanks Steven! | |  | | Siok Hock, your fellow Signaller/ Friend/ Buddy I vividly remembered the moment sometime in May 1993, when I was first introduced to you in amongst all the trucks and other fellow servicemen and especially those in your command.
When you spoke to them, I sensed your care for them without compromising your task. When your guys echoed their "Yes, Sir", I felt their confidence in your leadership.
29 years later and that's now, I am very happy that I have got a friend in you and you as my trusted advisor for insurance, investment, and retirement matters. I am glad that with your advise on all matters, I will be comfortable and even healthy to enjoy my years ahead and with you as my fellow Signaller/ Friend / Buddy.
Thank you, Steven. | |  | | Chris, Business Owner Ever since Steven took over my family's insurance affairs, our insurance coverage has not only gotten better, it has also gotten cheaper!
Steven is one of those rare agents who genuinely strives to put his clients' welfare before any other considerations. Over the years he has displayed impressive patience with us, explaining all the details of various policies, and going the extra mile when needed. And with all that, Steven has become a friend I enjoy spending time with. I am looking forward to continuing to work with Steven for a very long time. | |  | | 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! | |  | | Stella Poh, Executive Secretary Hup Soon Global Corporation Pte Ltd My first policy was bought from Steven, 20 years ago. I think the most important thing is having a responsible and reliable agent to be in the same trade and Company is not an easy thing. However, I am glad that he is still in the industry working and servicing my policies. Steven knows his work well and is willing to give valuable advice on what is needed.
It is not just selling policy to his clients. Instead, he treated his clients as friends and this make the working relationship merrier. | | | | |
