| As we embrace the new year, it may help to remember that the turning of the year doesn’t call for grand plans or perfect routines. Instead, it invites calm, adaptability, and trust in small, consistent steps. The collection of articles gathered here speak about the value of steadiness over speed, flexibility over force, and provides a quiet assurance to just keep going—even without clarity. | | Most Resolutions Collapse by February. Here’s the System High Performers Use Instead If your resolutions fade fast, it’s not a discipline problem. This piece shows how high performers skip rigid goals and build simple weekly systems instead—focusing on identity, small habits, and structure to create change that actually sticks. | | Beyond the New Year: How to Turn Family Resolutions into Everyday Rituals Make family resolutions stick by setting small, realistic, shared activity goals, involving children in planning, focusing on behaviours not outcomes, building connection, and staying flexible—so routines become enjoyable habits rather than abandoned ambitions. | | Why humans are surprisingly bad at being happy | Laurie Santos  | | 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. | | Joo Chin Tay | | | | | | | | 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.
© Joo Chin Tay, All rights reserved. | |  | | Sharon Yuen, Executive Assistant Ms. Joo Chin has been providing us with such professional and efficient service since I first engaged for my family insurance a couple of years ago.
She has always responded to our requests quickly. Kudos to her extra effort, responsive, professional service, excellent job done to complete my policy. Will highly recommend it to all who want to consider buying any kind of insurance. No hard sell from her as she genuinely proposed the right policy to cater to your needs!
Overall, thumbs up!! | |  | | Zuraida, Cabin Crew (Purser) It Is So Nice Having You As My Agent. The Quality Of Service Provided By You Is Second To None. My Family And I Really Appreciate You Going Above And Beyond The Call Of Duty. You Soar To The Occasion. Thank You Joo Chin For Taking Care Of Our Insurance Needs And Being A Friend Who I Can Rely On. You Are A GEM! 💎
| |  | | Cheok Chuan Hock, Engineer I got to know Joo Chin through a friend’s recommendation. My first impression of her is very friendly, patient, and sociable.
Throughout the years, she also demonstrated her professionalism by giving insurance advice on different occasions. Also appreciated the yearly review done by her to help us understand our policy coverage. But afraid not, she is not pushy at all. She will explain the policy details to you with little or no expectations from you. She is definitely an Insurance Agent I would recommend. | |  | | Evon, Business Development Manager
With Joo as a financial planner, I feel assured that my best interest is taken care of. She keeps me posted of any news that impact my policies and even looks out for better alternative options years after my policy has been bought.
I really appreciate her level of service and dedication. Highly recommended because she truly cares!
| |  | | Winnie, Policewoman Joo Chin is patient in her explanation and makes the effort to do deeper research to address to our doubts instead of just providing an answer just for the sake of it. I also appreciate her making the extra effort by compiling a list of our insurance – that consists of detailed information of each policy, just for our easy reference. | |  | | Seri, Admin Executive Joo Chin is not only my insurance agent, she is my ex school mate and ex colleague turned good friend. We connected instantly due to similar vibes. I was in the hands of a seriously pushy and judgemental agent previously. As soon as I found out Joo Chin is from the same insurance company, I asked if she was willing to take over my policies. Of course this is an added administative work for her as she does not gain any commission from me. However due to her kindred spirit, she readily accepts my request. We have come a long way since. Joo Chin is not just my agent or friend, she is like family. She is not judgemental, she listens and gives wise advice. She promotes products but will never be pushy. She is really hardworking and disciplined. She keeps track of my investment progress and gives me timely updates. I love how she is an agent with a heart. She thinks of my mum during Mothers' Day and sends flowers. She even helped me promote and supported my little home baking business while I was unemployed. She is someone I feel at total ease with. Trustworthy, hardworking, disciplined, organised and wise 🥰 | | | | |
