| In a year where many of us are affected and perhaps feel powerless over our incomes amidst a pandemic, it is a good time to take stock of our financial health and confront our feelings about them & the way with deal with them. Whether we are young, middle-aged or senior, here are some important principles & practical tips on money management that we can fall back on which can go a long way into helping us optimise our finances and become financially wiser. | | The Richest Man in Babylon by George S. Clason Save at least 10 percent of everything you earn and do not confuse your necessary expenses with your desires. Work hard to improve your skills and ensure a future income because wealth is the result of a reliable income stream. You cannot arrive at the fullest measure of success until you crush the spirit of procrastination within you. | | 6 Ways You Can (Legally) Reduce Your Income Tax For YA 2021 Do them before the end of the year. | | Freedom from the money culture | Lynne Twist | TEDxBerkeley | | 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. | | | | 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. | | | | 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. | | | | Aimson, Hotel Manager I started off this insurance policy with my colleague’s wife initially. I’m quite skeptical about Insurance Agents as they gave me impression of “hard selling”, “constant calling” not for updates but to sell new policies to you or leave u “unattended” once u sign on the dotted line.
At first, I was quite worried when my colleague told me my account will be handing over to another Insurance Agent, as I’m not sure if I am able to communicate freely with her. Things changed the day I met Joo Chin in real life.
First impression that I’ve got for Joo Chin: She’s not afraid to voice out what coverage you need but do not have.
Joo Chin is an insightful, broad minded, truthful, dutiful & sociable agent 😀 . To be exact, she’s more like a “caretaker”of your personal benefits rather than a normal Insurance Agent on the street.
Years down the road with Joo Chin as my Insurance Agent, she never fails to keep track and provide constant updates of my policies. Yes, like most agents, she will definitely promote or try to update what are the potential addition we should have. But most importantly she does not “hardsell”.
She ensures that she shares all benefits of having the policy and she leaves the decision entirely to you.
Long story short, Joo Chin is definitely someone you can rely on.
Rest assured that she is not like those agents out there just trying to sell their products and leave u in no man’s land once u sign on the dotted line. Instead, she ensures you are well taken care of because she does not want any of her clients to suffer the same experience as her beloved mom.
| | | | 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 🥰 | | | | 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!
| | | | 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!! | | | | |