Habits & Decisions That Compound

Janice Sam

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A Monthly Curated Newsletter

As human beings, we are a culmination of our environment, decisions, behaviours and habits. It is worth giving thought to how we live our lives; taking a step back to reflect on some of our own less-than-ideal tendencies and ponder about how we can mitigate or improve upon them. Here are some resources that I hope can help us foster habits and patterns that can create an upward cycle for ourselves over time.

7 tips to get healthy habits to stick without getting stressed

Change for the better is a process. Like training for a marathon or learning a new language, improving your wellbeing has to be approached realistically and progressively to work. So sure, you won’t get results overnight, but over time small gains add up. The trick is sticking with it long enough that the new habits you want to incorporate into your day-to-day become automatic..

9 Good Money Habits You Can Form

While you may have ambitious money goals, the key to reaching them is building a collection of smaller everyday habits. By taking baby steps that become second nature over time, you’ll hopefully be able to improve your financial situation. Here are some small habits you can develop today that may help your money grow.

How to Be Happy – 7 Habits of Happy People

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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.
Janice Sam

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Testimonials and Referral Notes

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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.

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!

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! :)

Jayanthi. Cardiac Technologist

Working with Janice has been an absolute pleasure. She is knowledgeable, responsive, and genuinely committed to helping her clients find the best coverage to meet their needs. What I appreciate most is her patience in explaining the fine print and her ability to simplify complex policies so I can make informed decisions. Whether it was reviewing my existing coverage or recommending better options, Janice always put my interests first. Her professionalism and warmth make her not just a reliable agent, but someone I trust completely with my insurance matters. I highly recommend Janice to anyone looking for an agent who truly cares.

Muhammad Firdaus Bin Rasack. Customer Service

Service is good and up to date.

Stella. Teacher

Janice is a great listener so this makes each meet-up or review session a pleasant one. She is patient in explaining and answering all my queries pertaining to the wide range of plans, down to the jargon used. I like that she goes the extra mile to run through your current plans and draft out alternatives and improvements to them, prior to meet-ups. Janice has kept herself well abreast of various policies and schemes offered. (not limited to just those under her company) I believe her knowledge and years of experience in this field have benefited those under her charge. I am relieved to know that I can always rely on her to keep me updated on current trends and also provide me with the support I will need when necessary.