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Janice Sam

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A Monthly Curated Newsletter

Life can be unpredictable with obstacles, making it sometimes difficult to stay afloat. Whether it is the loss of a loved one, stress from work, or financial woes, everyone faces challenges and does at some point, struggle with remaining optimistic or hopeful. Nonetheless, it is still important to maintain positivity to keep us going; by finding the good in the bad, and being the light in the darkness. For this issue, let us explore on what being positive means & how we can harness it in ways that truly benefit our lives.

7 Ways to Stay Positive Even During the Toughest Times

Scientists found that even though people who identify as optimists tend to be more positive in general, they too start assuming the worst as the moment of truth about something important nears. On the other hand, some people would rather stay positive whenever possible, since it's easier to fight off stress and anxiety when you have a sunny outlook. Here, we've gathered some of our favourite expert tips for staying optimistic when you're dealing with some super hard stuff.

 
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Positive Money Mindset: 15 Tips to Transform Your Money Mindset from Negative to Positive

Do you find yourself feeling down about money or uninspired? Maybe you aren't making as high of an income as you'd like to be. Something that contributes a lot to your success is the way you think. A positive money mindset can change your outlook and improve your finances. Here are 15 tips to transform your money mindset when you need to think positively.

 
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Your brain is wired for negative thoughts. Here's how to change it.

 
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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.
 
Janice Sam
 
 
 
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Testimonials and Referral Notes

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Supraja. Software Engineer

I have known Janice for more than 3 years now. She is a very good Financial Advisor who did a detailed analysis of my background and does regular reviews to give me the best possible options for my financial goals and to make sure that the options I choose are in line with my goals! She explains the intricate details of the policies so that I have a strong understanding and know the nuances of the policies. I highly recommend her to anyone who is early in their career (when I started) and wants to plan for their life ahead! You will get a clearer picture of how to put your financial goals in place!! Definitely worth spending your time discussing with her!! Good luck! :)

Muhammad Sufri Bin Sulaiman. Shift Supervisor

Janice has been a great insurance and financial advisor for me for a good 10 years! I believe we met in 2015 (cant remember where and who introduced us!) but she took care of me well. Very patient and polite in her ways, never pushy or forceful. Thank you Janice for all the years managing my insurance! To many more years ahead!

Shaifuddin. Delivery driver

Knew Janice for almost 10 years. Throughout the years she attended to me very well. She always checks up on me on my well-being. Wish you all the best in your future endeavors!

Muhammad Hairul. Receiving Coordinator

Everything was explained clearly, never left any of my questions unanswered.

Muhammad Reduan Bin Alias. IT System Administrator Analyst

I have been a client of Janice Sam, my Prudential agent, for over a decade now, and I can confidently say that her service has been nothing short of outstanding. Throughout our long-standing relationship, Janice has consistently demonstrated professionalism, deep product knowledge, and genuine care for my financial well-being. She always takes the time to explain policy details clearly, ensuring I fully understand my options before making any decisions. I appreciate her transparency and the fact that there is never any pressure to purchase unnecessary products—she truly prioritizes my needs and budget. Janice’s dedication goes beyond just being an advisor; she treats her clients as friends, making every meeting comfortable and stress-free. Her patience and commitment are evident, especially when she provides regular updates and guidance, even during uncertain economic times. I have always felt assured that my interests are her top priority, and her sincerity and honesty have built a strong foundation of trust between us. I highly recommend Janice to anyone seeking a reliable, knowledgeable, and caring financial advisor. Her passion for her work and her clients’ well-being is truly commendable, and I am grateful to have her as my trusted Prudential agent.

Nurulain. Online Business Owner

Janice has been my advisor for about 8 years and never fails to solve all my queries. She is always present and ready to serve. She is very friendly and professional. There was a time when I was admitted to the hospital and was lost about the medical claims/covers. She was there to guide me and follow up when I was discharged. Indeed a caring individual too. During meet-ups, Janice never fails to ask about the well-being of my family and me. I am glad she is always there to meet once a year for catch-up and updates. She is very detailed in her explanations of policy/plans. I felt her sincerity and wish more individuals could benefit from her great service. Thank you, Janice.