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Ruth Tan

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A Monthly Curated Newsletter

As the world enters a recession, the upcoming year can pose a challenge for many due to increasing economic uncertainty, and the natural fears surrounding it. In this issue, we look at some trends and possible actions that can help us become more emotionally and financially resilient to not just ride out the challenges, but rise above them. I hope this gives us hope.

How to Be Happy in a Recession

Recession begets misery, which makes for more economic bad times. You naturally make the pattern worse by following your loss-aversion instincts. Although you probably can’t break the global economy out of this feedback loop, you can break yourself out of it. Start with the following three practices.

 
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Here are 8 ways to bulletproof your finances ahead of a likely recession in 2023

5 personal finance experts here give tips on how to protect your finances. Their recommendations include building up an emergency fund, trimming your regular spending and up-skilling

 
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How to Stay Optimistic During Hard Times

 
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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.
 
Ruth Tan
 
 
 
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Testimonials and Referral Notes

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Catherine Lim. Key Accounts Manager

I have known Ruth for years, from a colleague to a dear friend. During her 5-year tenure in the MNC we worked together, she had changed several bosses and almost every time that happened, she would be given a different portfolio to handle. Each time she saw it as an opportunity to grow instead of dwelling in self-pity how challenging the role was or how established she had been in the current role. When I knew she became a Financial Consultant and asked if she could review my plans, she agreed immediately. She is someone I trust and she has my best interest at heart. Since then, she has been constantly updating me on plans or investments that might interest me. Ruth is quick to respond and will always give sound advice on financial related issues. Call Ruth now. You won't regret.

Lisa

Ruth has been my consultant for years now. Although I met her by chance, I am happy for that! I feel that she genuinely cares about and wants to make a real connection with her client. She would listen to my concerns before trying to provide a solution. She is patient in explaining and finding middle ground between minimising my future risk and ensuring my comfort and confidence on the plan. I also appreciate that she gives her client enough space and time to think and consider about the financial plan throughout the process. Thanks Ruth!

Dr Claris Shi. Ministry of Health

I usually shy away from Financial Consultants but Ruth was so friendly and genuine, and didn’t laugh at my lack of financial planning knowledge! She took time to go through all my policies and identified areas where I needed coverage. She definitely goes above and beyond her call of duty and is so easy to talk to when I have any questions.

Jess Liu. Executive Director, Private Bank Team Leader

My trusted financial advisor Ruth Tan has been an invaluable asset to my financial stability and peace of mind. Her expert guidance in both insurance and financial planning, coupled with her exceptional follow-up service, has not only protected my assets but also helped me achieve my long-term financial goals. I can't recommend Ruth highly enough for her unwavering dedication and responsive support.

Evon Lim

Ruth IS a superwoman!! Dedicated to her job, wants to help people, and always giving her best to BBGen. It's tough as a working mum and to be balanced (in all aspects is even harder.) I knew her as the yogi and barre instructor from 4-5 years back. I love her choice of music and her effort in ensuring her students are having fun. She is a go-getter.

Joann Ong. Manager

I like that Ruth is genuine, honest and patient. She doesn’t hard sell, but instead she suggests the best possible plans that cater to my needs. She is very precise in her presentation and is always able to breakdown complex topics into simplified conversation. I would recommend her to my family and friends.