| Making decisions on property is not trivial, as they often have effects on our quality of life in ways that are not just material but also financial and emotional. Regardless of our experience levels in making decisions on our properties and homes, it helps to have an appreciation of what resources are involved, and how we can be resourceful about them. I hope you find the materials in this issue useful. | | New HDB policy: Standard, Plus and Prime – how does it affect you? Housing and Development Board (HDB) will change how it classifies Build-to-Order (BTO) projects, starting in the second half of 2024. The policy changes intend to ensure that HDB policies continue to remain relevant in Singapore's current social and economic construct. | | Understand the costs of buying a home This article provides a comprehensive guide to the costs of buying a home in Singapore, including down payment, stamp duty, legal fees, and renovation costs. | | DECORATE YOUR HOME FOR FREE | 10 DECOR IDEAS ON A BUDGET  | | 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. | |  | | Grace, Procurement Michelle is a very honest and truthful personnel. When she first joined this industry, she was aware that I already have a number of policies with Prudential, and in her opinion, it was decent enough based on my situation back then.
She is not like some other financial advisors, who will go around asking colleagues, friends, relatives or family members to "support". She is also very hardworking as I have seen it personally, she works her way up to where she is right now - extensive clientele base.
Because Michelle has provided me with her utmost honesty, I decided to have her, and only her, to handle all my plans on a going forward basis. She is definitely a gem to work with :) | |  | | Jessie, Financial Controller Working with Michelle has been a game-changer for my financial future. Her comprehensive knowledge, attention to detail, and personalized strategies have not only safeguarded my assets but also accelerated my path towards financial success.
I'm thankful for the peace of mind and confidence that Michelle has brought into my financial life. Trustworthy, reliable – I highly recommend her services. | |  | | Alan, Superintendent Throughout my time with Michelle, she has displayed a strong sense of professionalism, patience and communication skills.
She never once rushed through the information and gave me as much time as I need to absorb it. She would always be swift and happy to answer any questions I had, be it big or small.
All-in-all Michelle has been a very empathetic, professional & friendly advisor. She has aided me greatly in my financial journey ! | |  | | Emilly, Project Analyst For those who are new to financial planning, I would definitely suggest choosing Michelle to be your Financial Consultant. I decided to jumpstart my financial journey and put my trust in her, and it was one of the best decisions of my life !
I wholeheartedly recommend her services to anyone seeking a knowledgeable and genuinely caring financial consultant. | |  | | Jessica, Designer Michelle is a spontaneous person and is eager to help me clear any doubts I have. During the zoom meeting, I felt super comfortable engaging with her. It’s not easy to connect with someone virtually, due to lack of personal touch, but Michelle is able to do it so well.
What I truly look up to is that she does not see her clients as a means to earn money, but is genuine in saving / touching another life. I can safely say that you are in good hands if you are Michelle's client :) | |  | | Chris, Business Owner The first impression I have on Michelle is that she is very friendly, patience, confidence & knows her products very well.
The reasons I took up plans with her even though I have other advisors is because I feel very comfortable with her. Most importantly, she is full of patience in explaining and understanding what my needs, wants and requirements.
We need more financial consultants like her in this industry. So thumb up for the good work & services ! | | | | |
