| 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  | | 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. | | Michelle Tan | | | | | | | | 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.
© Michelle Tan, All rights reserved. | |  | | Maylinda, Banker Michelle is a very sincere and honest financial adviser that will not push or hard sell her clients. I used to dislike insurance agents until I met her because in my perspective, insurance agents only care about sales targets and commissions.
Even though I did not take up any plans after meeting her (as I wasn't ready), she was still very helpful and always ready to listen and address any issues or problems I encounter. She will provide me her most genuine advices, constantly reminding me not to overbuy as she understand my life and current financial situation.
She is the only financial adviser who is able to convince me, a non-believer in financial planning, to someone who is now very enthusiastic in planning for myself and my kids. You will not regret meeting her and she will definitely value add you, just like how she did for me ! | |  | | Sabrina, Relationship Manager Michelle was never a pushy agent. When she first approached me, I was not ready to commit into any financial plans. However she was never hesitant to clarify any doubts that I have. She is very responsive whenever I need any of her advices and is patience with me despite asking her tons of questions.
She was also not afraid to share some personal information about herself, and it was heartening to know that we have went through similar experiences regarding our finances, and she will be able to provide honest advice regarding our choices and whether it is suitable.
She takes pride in what she does and will only recommend and curate solutions that is of my best interest. I feel at ease having her embarking my financial journey together with me :) | |  | | Doris, Educator Michelle always carries herself in a professional manner and possesses the relevant knowledge to answer all of my queries. Moreover, she backs up her advice with statistics and credible sources, so the information that she shares are reliable and accurate.
She doesn't dive straight to "selling" me any plans. In fact she put in a lot of effort listening and understanding me. This got me comfortable to seek all sorts of financial advice from her ongoing forward basis. | |  | | Alicia, Human Resource Just 1 meet up with her, I could tell Michelle is passionate, knowledgeable, and genuine as she explained everything in detail and included scenarios that I could relate to.
Thank you Michelle for guiding and advising me ! It's awesome to start this journey with you, and I'm glad you'll be here to watch me grow ! | |  | | Michelle, Computer Engineer From our very first meeting, I was impressed by Michelle's depth of knowledge and their ability to explain complex financial concepts in a way that was easy for me to understand.
She took the time to listen to my financial goals, understand my risk tolerance, and assess my current financial situation thoroughly. This level of transparency and responsiveness gave me peace of mind, knowing that my finances were in capable hands. | |  | | Pei Wen & Jokko, Business Owners Michelle is by far one of the most patience and responsible financial consultant that we have ever met. When we first approached her, she put in great effort to go through all our existing policies with different service providers and only recommended policies that suit our needs.
We felt comfortable with Michelle as there was never any pressure to buy a product simply to close a sale. Explanations given were always detailed. She also provides excellent after sales service and she is very responsive and patience when dealing with our enquiries, issues with payments and claims.
We are very glad to have found her and feel assured that we have someone whom we can trust and to consult whenever the need arises. To many more milestones together ! | | | | |
