| 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. | | Planning Ahead Is the Key to Living With More Spontaneity Scheduling spontaneity doesn't lessen the joy of spontaneity; it enables it. You still have the freedom to do whatever strikes you in the moment - even more so because you know that's exactly what you intended to do. | | 10 Reasons To Start Christmas Planning Early With a bit of forethought, there's no reason it needs to be quite as nerve-wracking or frustrating as often the days leading up to the holidays are. So, in case you're not entirely convinced of the benefits that early preparedness brings, let's take a look at the 10 reasons to start Christmas planning early. | | What are the chances?  We can't predict the future, but we can plan for it. But why does this even matter? Meet some ordinary people thinking about these things. | | 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. | |  | | Tomas A Norton Steven has been serving our family very well for over two decades with savings, life, health and accident policies. Over this time, his attention and care has been first class.
Thankfully we invested early via Steven and the entire family is now sitting on valuable policies with high cash values. They represent a solid foundation for retirement and an excellent head start in saving and coverage for our two children.
I expect our relationship with Steven to continue. We are most pleased. | |  | | 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." | |  | | Tasnim, Healthcare Professional When I wanted to apply for an insurance in 2020, I had zero knowledge and understanding about how insurance works then and what type of insurance will benefit me.
After knowing Steven, he cleared all my doubts, helped me understand better about my protection & savings needs and recommended policies which help me while ensuring that the solutions suit both my needs and budget.
Overall, Steven is a good agent who will is always prompt when I have any queries or need his help.
Thank you for always being there! | |  | | 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. | |  | | Nguyen Xuan Ngoc Hoa I first got in touch with Steven many years ago, when I only just started working and was looking for basic, affordable insurance coverage. Despite being admittedly a very small client, Steven still treated me with care and respect, attending to my many questions.
Many years later, when I had an emergency at work and had trouble getting hold of my existing corporate health insurer, it was Steven again that I turned to. Even when he wasn't our insurer, he answered my every question and called frequently to check in on the situation. He helped to scan our existing policies and advised me on the options that were available and how to proceed. Eventually we made the choice to switch our corporate health insurer to AIA, under Steven's care.
Now that I am starting a family and looking to invest in life insurance and critical care coverage, I know once again that I can trust Steven to give me fair, reasonable advice on what to take up, based on my needs and abilities. I feel like I can select products and options that are most suited for my needs, with Steven's advice.
Thanks Steven for the wisdom and companionship over the years, you have made such “scary” life matters a breeze! | |  | | Jane Law Steven is very professional, patient and helpful.
He is tireless. Always willing to explain and answer questions pertaining to my queries and claims.
Steven treats his clients like good friends, always go that extra mile when help is needed most.
Really appreciate your friendship.
Thumbs up to Steven! | | | | |
