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Janice Sam

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A Monthly Curated Newsletter

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.

 
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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

 
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How to Stay Optimistic During Hard Times

 
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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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Azry Ismadi. Technical Service Representative

I have been with Prudential for quite some time and Janice has been very closely updating my insurance plans from time to time. I'm not worried about my insurance coverage as her explanations were brief and clear. Absolute satisfaction under her care. Thank you!

Muhammad Iskandar Bin Ishak. Student

I just wanted to say a big thank you for your help in my financial planning. Although I do a little bit of planning on my own, you gave a lot of valuable information and inputs with regard to life goals (the overall big picture) and helped me to look out for what I am missing in my plans.

Yvonne. Lab Technologist

I have known Janice since she just started out in her financial planning career and am proud to see her develop into the professional and knowledgeable financial planner she is today. Janice is sincere, and detailed and always acts in my best interest. I have trust in the advice provided by Janice and would recommend her services to others.

Muhammad Sufri Bin Sulaiman. Barista

Very patient and kind person. Always soft-spoken and will use simple words to explain things that I don't understand.

Muhd Rafhan. Sale Executive

Hi Sam, It’s been a few years since you are taking charge of my family policy, always grateful to have you to be my Insurance Agent/Friend. Recently had an accident during my holiday, and had a broken finger as such when I back to Singapore for a check-up. Called up Sam and inform her of the situation I’m in and she was fast in response, enquiries & making a smooth transaction for me. Thank you Janice Sam for being a friend/agent.

Lasith. Solutions Architect

Being known for more than 5+ years, Janice is a friendly and supportive Insurance and Finance agent. She is very informative and able to address the client's need up to the standards with thorough details and explanations. I would highly recommend Janice to anyone who is looking for Finance or Insurance agent without any hesitation.