Jin Han Ngoh 吴金翰

Senior Financial Consultant

Jin Han Ngoh 吴金翰

Senior Financial Consultant

If I’d missed you, please do forgive me. That’s because I’m rushing against time to help my clients & loved ones before any misfortunate event happens to them.

“Don't wait. The time will never be just right” - Napoleon Hill

Risk Management . Retirement Specialist

Ngoh Jin Han
Representing Prudential Assurance Company
Singapore (Pte) Limited
Reg. No. 199002477Z
Email : Ngohjinhan@pruadviser.com.sg

https://www.prudential.com.sg/fc-info

559/25Aug21

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- Prudential Assurance Company Singapore (Pte) Limited Reg. No. 199002477Z
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Newsletters

Articles Worth Sharing

Newsletter Issue 104: Unforgettable Trips, Practical Tips

Embark on meaningful journeys with insights to plan memorable vacations, navigate budget travel, and uncover cultural treasures. Whether you're crafting a family adventure or exploring last-minute deals, these ideas inspire travel that deepens connections, stretches savings, and invites discovery.

Lessons flow through every corner of life—seen in creatures great and small, in blossoms and branches, in wind and water. Nature invites us to slow down, listen closely, and carry its gentle teachings into our own stories.

As Singapore marks its 60th birthday this August, we celebrate more than just milestones—we embrace everyday moments. From savvy ways to maximise vouchers and nostalgic memories that stir the heart, to family-friendly adventures waiting to be explored, we honour our shared journey with pride, joy, and unity.

After a pause or shift in pace, it’s natural to need a quiet reset. This season is about steady steps — not starting over, but picking up where you left off with a bit more clarity. A moment to reflect, realign, and move forward at a pace that feels right.

Whether you're jetting off with family, flying solo, or exploring on a budget, smart choices can make every journey smoother and more rewarding. From practical tips to meaningful moments, let thoughtful planning and openhearted curiosity guide your adventures—so you can roam far, light, and well.

Whether we are mothers ourselves or simply have someone in our lives who has played a motherly role to us, chances are, our lives have been influenced in profound ways by motherhood. Let's take a moment in this issue to honour, value, and draw lessons from the incredible wisdom of women and mothers who have impacted our worlds.

In the pursuit of wellness, every small step matters. Discover how nourishing your body, staying active with intention, and making mindful choices can shape a healthier, more balanced life. From everyday nutrition tips to inspiring fitness journeys, find ways to thrive—body, mind, and spirit—one thoughtful action at a time.

Singapore’s Budget 2025 lays the foundation for economic resilience and community support. From financial aid and SG60 perks to business investments and digital growth, this edition unpacks key measures shaping the nation’s future. Discover how these policies impact businesses, families, and individuals in an evolving landscape of opportunities and challenges.

As Lunar New Year celebrations unfold and we gather with friends and family, let us remember that prosperity is not just about wealth and abundance but also about the wisdom shared and traditions passed down through generations. Amid the laughter, meals, and festivities—and the inherent hope and symbolism they carry—be kind and mindful to yourself and others, ensuring that the deeper meaning of heritage, connection, and togetherness endures beyond the moment.

As we enter the new year, it's the perfect time to celebrate endings and acknowledge our achievements. Embracing closure and recognising small wins fosters personal growth, resilience, and emotional well-being, transforming life's transitions into opportunities for reflection and reinvention as we move forward with intention.

As the year winds down, it’s the perfect time to reflect on the many reasons to be grateful in our lives. From uplifting mental health to strengthening connections, gratitude helps us end the year with purpose and warmth. Discover simple practices and insights to embrace appreciation and nurture meaningful moments this season.

Embark on meaningful journeys with insights to plan memorable vacations, navigate budget travel, and uncover cultural treasures. Whether you’re crafting a family adventure or exploring last-minute deals, these ideas inspire travel that deepens connections, stretches savings, and invites discovery.

As families navigate the challenges of exam season, it's important to foster resilience, support growth, and nurture well-being. These insights explore how to create a balanced, supportive environment for children, helping them thrive academically, emotionally, and financially.

Persistence and perseverance are the cornerstones of personal growth. As we enter the final stretch of the year, these traits become even more essential. Discover ways to harness determination, build resilience, and stay committed to your goals. Even when the journey feels long and challenging, remember—you’re closer than you think. Let’s push through this last lap together.

Navigating the rising cost of living requires strategic planning. This issue provides tips on budgeting, skill development to increase income, and utilising resources to manage money. I hope these strategies help empower you to stretch your money further and maintain financial stability.

Prioritizing our health and immunity is essential, especially with summer holidays and travel on the horizon amid the recent surge in COVID-19 cases. Here are some practical tips, nutritious recipes, and expert advice to keep you safe and ensure healthy and enjoyable summer vacations for you and your loved ones!

As we approach the time of year when scorching temperatures send us seeking refuge indoors, this issue offers essential tips and strategies for managing the heat. Arm yourself with knowledge and discover ways to stay cool, hydrated, and healthy amidst the sweltering heat, ensuring you thrive in your daily life!

Life is a multifaceted journey of growth and transformation. From overcoming setbacks to embracing professional and personal development, this issue contains wisdom on self-forgiveness, career and financial success, and the limitless power of lifelong learning. The process of growth may not always be easy, but it will be worth it. I hope this enriches your life.

Amidst rising costs, aging and retirement planning is becoming a growing concern for many. Yet, more than just ensuring financial readiness, one who is planning to retire also needs to be psychologically prepared for the shifts in lifestyle, routine and everything that comes along with it. In this issue, let's explore expert tips on staying healthy, mentally sharp and financially secure, so we can age gracefully in our golden years.

As we embrace 2024, discover essential insights for a prosperous journey ahead. Explore key financial strategies and economic trends aligning with the Dragon Year's promise of prosperity. Immerse in the cultural vibrancy of the Lunar New Year celebrations. I hope this issue with its blend of wisdom and practical advice equips you to navigate the opportunities and challenges ahead with confidence. Together, let's ride the Dragon!

In this issue, here are some insights on mindful reflection, effective goal-setting, and strategic reviews. I hope this helps you equip yourself for a thriving year ahead with impactful resolutions and fresh perspectives. Let's embark on this journey of growth and renewal together.

Embrace the spirit of the holiday season in this month's issue, where cherished traditions meet thoughtful innovation. From smart savings and healthy feasts to meaningful gifts and cozy stays, our collection of articles offers a reflective journey through holiday warmth. Savour every moment with our handpicked tips and recipes, and let's celebrate the joy and generosity that define this wondrous time of year.

As inflationary pressures continue, affecting both individuals and businesses, it is vital to equip ourselves with effective strategies to navigate this environment. This issue provides pragmatic insights and ideas, guiding us to not only weather these economic challenges but also thrive in the midst of them. I hope this brings us greater financial resilience and empowerment.

In celebration of Children's Day, here is a friendly collection of articles brimming with insights! I hope these writings can guide us in embedding valuable skills, boosting financial literacy, and laying down a roadmap to raising resilient, balanced children. May we empower the upcoming generations, helping them blossom into well-rounded and holistic individuals. Let's cherish the joy of nurturing our future

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.

In today's rapidly ageing society, advance care planning and long-term care planning are emerging as critical considerations for ensuring a comfortable and secure future. As we journey together through the intricate aspects of planning for what lies ahead, it's never too early to make such vital decisions. It's your future; plan it well.

In the delicate balance between awe and envy lies an opportunity for growth. Awe opens our eyes to the beauty and possibilities around us, while envy stirs our desires for improvement. By using awe as a wellspring of inspiration and envy as a catalyst for positive change, we get to harness these emotions to fuel our ambitions, cultivate empathy, and create a brighter future for ourselves and others in various aspects of our lives.

As artificial intelligence (AI) and chatbots like ChatGPT become ever more prevalent, AI’s potential to transform our lives and economy cannot be understated. With the increasing adoption of these technologies, they will not only transform the ways we use or consume information, but they are also poised to play a pivotal role in just about every aspect of our lives, including work, finance, and parenting. In this issue, we explore the nuances of AI and the possibilities it brings to our world.

Necessity is the mother of invention. Throughout history, humans have demonstrated the ability to innovate, solve problems, and create solutions in the midst of crises, resulting in some of humanity's greatest inventions. All it took was resourcefulness, action, and persistence. Through this issue, I hope to provide insights into how we can live life constructively and creatively, regardless of the challenges that we may face today.

As we get back into the groove of work, our most important arsenals have to be our health and brains. After all, these are essential in allowing us to lead a functional and meaningful life. To do that, we need to take care not to fall ill and ensure that we upkeep our physical, mental, and social well-being. Let us explore in this issue the various ways that help us protect and strengthen our overall health.

For many, the festive season is a time of food, celebrations, social interaction, and hype. Coupled with the continuous demands of work and life, such periods can sometimes leave us feeling drained, and some of us may even struggle to get a breather. In this issue, I have put together resources on how we can possibly wind down and benefit from more intentional quiet and less noise.

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.

We live in three distinct timeframes - the Past, the Present, and the Future. Many times, we tend to live and make decisions based on what gives us immediate gratification, and often to our detriment. Despite not knowing what tomorrow will bring, planning ahead removes uncertainty and provides clarity to our lives. In this issue, I have included articles that I hope will inspire you to take actions that your future self will thank you for.

Many of us lead busy and stressful lives. Even when we may be caught up meeting deadlines, sprinting towards our next goals, or looking after our families, we cannot neglect taking appropriate breaks for our well-being. While it may feel counter-intuitive to do so, sometimes the best thing is simply to step away from the four concrete walls to go for a walk outdoors. It refreshes the mind, body and soul, and is beneficial for our health and creativity. So let's lace up our trainers and walk our stresses away.

In an environment of rising inflation and uncertainties in global geo-political climate, almost no one is spared from the economic consequences of the day. It is therefore more important than ever to be intentional and mindful in how we manage our finances in our daily living. Here, I have put together some resources which you can tap on to help you gain a better insight on how you can be more savvy with your money.

Every one is different, and differences in opinions, interests, backgrounds and personalities tend to come with conflicts. Whether is it our co-workers, friends, family members or even our partners, disputes are not only common, but they're natural and sometimes inevitable. The question is, while such conflicts arise, how do we navigate them? Do we attempt to work through issues amicably with others, or do we allow our egos and emotions to rear its ugly head? Today, we look at practical tips on how we can manage ourselves and relationships in more mature ways.

As humans, the pursuit of change and progress is something that is innate to every one of us. Like it or not, there will always be things in life that we hope could be a little different, a little better in the way that daily situations & events turn out. It could be in the way we think, speak, or the way we handle everything from our finances to our relationships with others. We seek to become better -- and we should. As we strive to continuously exceed our potential, we rise above all previous versions of ourselves and grow stronger. In this issue, we look at some ways in which we can embrace a better self and an even better future.

In life, there are days and moments where everything we do does not feel enough, or face situations that are beyond our control. A common response to such instances is to doubt ourselves and our abilities, and that is a very normal and human thing to do. But the effect of self-doubt can cut both ways: It can either spur us to achieve our goals and thereby boost our confidence levels, or cause us to feel entirely powerless and paralysed. Fortunately, whether we allow it to work for or against us is mostly up to us. In this issue, we will explore the ways in which we can harness self-doubt to build confidence -- one step at a time.

Statistically, most people live till an average age of 80 years. Although this number varies across cultures and nations, we cannot deny that life is still all too fleetingly short. 80 years a lifetime translates to 80 summers and 80 winters - to love, laugh, live, and make the most of our time on this earth. Far too often, when faced with our mortality, we look back at our lives and think of all the things that could have been different. Regret may sometimes be inevitable, but it is still possible to live an unlimited life with the limited time that we have. In this issue, we look at some of the ways we can do so.

For the past years, given the pandemic and restrictions, many of us were forced to re-evaluate how to plan and book trips for holidays, or consider whether we should even be planning for any travel at all. Now, as borders are opening up, we have reached a stage where many of us are ready to start traveling again and make vacation plans once more. The catch, though, is that traveling will likely continue to be complicated as new variants emerge. How then do we plan for travel? In this issue, we explore this matter in more depth.

Life can be unpredictable with obstacles, making it sometimes difficult to stay afloat. Whether it is the loss of a loved one, stress from work, or financial woes, everyone faces challenges and does at some point, struggle with remaining optimistic or hopeful. Nonetheless, it is still important to maintain positivity to keep us going; by finding the good in the bad, and being the light in the darkness. For this issue, let us explore on what being positive means & how we can harness it in ways that truly benefit our lives.

As humans, we have an innate need for connection and approval from others. Often, we make an effort to gain validation and this is natural. Yet, in our world today, this need for others’ approval becomes magnified; as many of us are constantly plugged in on social media, we tend to get caught up in the pursuit of “likes”, “shares”, “follows” & engagement. These can have implications on our mental well-being and happiness. Through this issue, I hope that we can be more aware of the impacts & risks associated with excessive use of social media, and what we can do about it so that we can live out our best lives.

It is a season of feasting, socialising and spending time with our family and friends. Amidst the bustle of festive preparations and joviality, let us not forget to take care of our well-being even as we celebrate this time of wealth, health and happiness. Stay safe, savvy and prosper!

By this time, we would have endured quite a long period of the COVID-19 pandemic and many things have changed. Collectively, we have adapted to new ways of living, working and socializing. While there is no telling of when this pandemic will truly “end”, one thing’s for sure: Life goes on. The best we can do is to continue to look towards the future and live out the best we can. As we head into a new year, here are some predictions and trends we can look forward to.

In times of uncertainty, it’s easy to get overwhelmed. With the COVID-19 outbreak, we are faced with the challenge of adapting life around the virus and navigating intense market volatility. This leaves many of us feeling anxious and even disempowered.

Confucius, the Chinese philosopher, left us with these words to contemplate: The man who asks a question is a fool for a minute: the man who does not ask is a fool for life. As the year winds down, it is time to reflect on some popular and widely - accepted beliefs and misconceptions that we may hold that do not serve us in achieving our goals and desires. Today, we look at debunking some of these misconceptions to expand our thinking and explore new perspectives and horizons.

In meeting the demands of work and every day life, many of us can feel compelled to do all things at once, and may become overwhelmed or less effective as a result. To counter this, it is worth taking a moment to adjust our pace; to give ourselves the space to practice taking one step at a time in the ways we perform our tasks and how we manage our minds & emotions.

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.

In a world where more of us are increasingly working remotely, the issues of exhaustion, burnout and digital fatigue have become more pronounced in recent times. The implications on mental health and quality of life are real. Here are insights and resources that I hope can help us better understand the nature of the burnout that we may experiencing. More importantly, we can learn to manage, uplift ourselves and also the people around us.

Leadership is the act of guiding a team or individual to achieve a goal through direction and motivation -- and there is a leader in all of us. This issue contains insightful resources and pointers that touch on the various under-talked about but important aspects of leadership. I hope this inspires us to not just exercise good leadership in our daily lives as individuals and organisations, but more importantly, help us get through and thrive even in difficult times.

As our personal lives get increasingly intertwined with our work in this season, it becomes more important than ever to find ways to devote our energies to become more effective & productive as individuals. Here, I'd love to share with you on some resources and powerful ideas on how we can not only become more productive, but also make our work & daily life more meaningful in the process.

What does it mean to lead a good life? The meaning of a good life, or life for that matter, is subjective. But there are some evergreen truths and wisdoms that we can all live by that help us gain the most out of life even through obstacles and challenges. In this issue, I have put together for you a series of insights, tips & advice by some of the best thinkers throughout history on how to live out a good life. I hope these resonate with you.

Dignity is the state or quality of being worthy of honour or respect by virtue of being human, and every person has an intrinsic need to feel valued and needed. Yet, in our world, there is often a gap between the ideals and realities of how dignity is accorded to individuals across age, gender, social statuses and financial positions. In this issue, I'd like to bring attention to the topic of dignity, and the ways which we can protect & honour the dignity of others and ourselves.

Women have long played a huge part in our society and economy. When it comes to uplifting women, the work extends beyond just international women's day or month. In fact, it requires continuous effort from not just leaders, but also every day folks like us to recognise and appreciate the great potential of women in our lives. In this issue, I'd like to share insights on how we can be enablers of women's progress while staying aware of the realities and struggles they may face. I hope this helps us in empowering the women and girls in our midst.

When was the last time you received kindness from somebody? When was the last time you extended an act of kindness to someone else, and to what end? As it turns out, there can be tremendous merits and outcomes in paying forward a kindness received with a good deed to somebody else, especially when done out of gratitude. The concept of "Paying It Forward" is nothing new, but in our world, I believe we could do with more compassion and selflessness as it brings out the best in us.

As we begin a fresh year, it is a good idea to not just evaluate ourselves based on the previous year on how we have been managing our lives, but also to find out ways to become more productive as we move along. In this issue, I'd like to share with you some powerful ideas on productivity and how we can make the best of our resources, time, energy and capabilities. Let's do this!

In the words of Poet Ali in his TED Talk, "Every language we learn is a portal by which we can access another language"; the more we know, the more we can speak. To round off the year, I'd like us to take a moment to learn new concepts, stories and ways of seeking and connecting, which will empower us to adapt to the needs of others & ourselves in the way we relate, love, heal, and see possibilities. I hope this inspires you.

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.

All of us would have people around us that we learn from in our lives. And people whom we in turn teach and need to be accountable to at some point - as students, working adults or parents. The better we are at relating and leading others into growth, the better we become as individuals. In this issue, I hope we can draw some lessons and wisdom from these materials that can help us cultivate values and cultures that we want in our lives and lift us up.

As humans, we often like to think we're right, even when we can be wrong at times. Many of us have the unconscious tendency to seek information that support our existing beliefs & disregard or undermine those that do not match ours. But doing so without awareness or questioning can have adverse effects in the way we think, make decisions & live our lives. Today, I'd like to share with you some potential consequences of confirmation bias & what we can do about them.

The world as we know it has changed for good on pretty much every level - from our lifestyles, to habits, to incomes and economy. As we navigate our way and find our place in trying times, it is important to stay grounded and keep the faith as we focus on seeing and creating opportunities, solutions & meaning. While there are no quick fixes in times like these, there's still a space for us to find ways to improve and cope better in our lives. I'd like to share them with you in this issue. Let's keep our heads up in choosing to persist in hope & good thoughts, and I believe we will emerge stronger than before.

As they dedicate their love and lives to their households and make constant sacrifices for their family’s & children’s well-being, mothers never retire. For all these, moms deserve more thoughts besides during Mother’s Day. But should mothers also think about planning their own retirement — financially speaking? In this issue, as we give tributes to all mothers, we would also like to give thoughts to a mother’s financial freedom. Mothers deserve a worry-free retirement as well.

Albert Einstein said, "Compound interest is the eighth wonder of the world. He who understands it earns it. He who doesn't, pays it."

Today's phone in our pocket has 100,000 times the power of the computer that landed man on the moon 50 years ago. Our world is evolving at breakneck speed today. The World Economic Forum projected that more new jobs will be created compared to the ones lost. Uncertainty remains about what these new jobs would be. But the time to change our approach to learning new skills has come. The time is now. The 4th Industrial Revolution has begun.

There are many new things to deal with at this time while we are being isolated from life-as-usual. A new lifestyle, a new future and something that can be quite subtle - a new kind of burnout. It should do us well to be aware about this so we can learn to disengage when we need to. I wish you and your loved ones good health and may you continue to stay safe!

Amidst a pandemic, the profound impact & discomfort of loss or the prospect of loss is felt almost universally. We may find ourselves and even those we care about feeling anxious & restless, which makes it challenging as we find ways to adjust not just physically, but also mentally & emotionally. At this time, emotional support for one another becomes ever more essential. Here, I'd love to share with you insights that can help us have a deeper understanding on the complex emotions that we may be dealing with, & the ways in which we can provide meaningful social support in our daily interactions through being present & holding space for others.

What the eyes cannot see is bringing countries to their knees as we write. The full impact of Covid19 is still unknown. It has ushered in a new reality for the World. Our lives will never be the same again. And Covid19 won't be the last. While we #fightasone, let's see how we can prepare ourselves and our children for this new future - together. Here are some good reads that I believe can help us rethink this new future and its possibilities. If you find these resources useful, please forward them to those you care about, especially at a time such as this. Cheers!

Here's wishing you and yours a very fruitful 2020, and the best is yet to come! Another year, and what better way to start it with a collection of thoughts that might turn out to touch your life for the better? I hope you could find something useful and share along with those you care about too. Cheers for a blessed 2020!

When the going gets rough, it can at times be easy to lose sight of what we set out to attain in our lives, be it in our personal endeavours, work or finances. The process of going & pushing through such situations may not be most comfortable, but persevering and talking about how to handle them is necessary. These are perspectives I found useful and inspiring. I hope this gives you hope.

In many ways, relationships are key to our well-being, as trusting, fulfilling relationships lay the foundation for our emotional health and security. But to work through relationships and trust matters aren't always linear or clean - they can be messy and raw. Here are some articles that I found incredibly valuable that enrich us in our personal and professional lives.

Change is hard. To force change is harder. They usually don't last. Perspectives however, are easier to accept. They change our minds and maybe that's what we need more than change itself. I hope you enjoy these articles.

These are some rather transformative articles that could help you and those you care about. So please be free to share them. I hope you find them beneficial. If you like them, do drop me a note and I'll be very glad to know I've added value and touched someone.

The lack of sleep being linked to chronic illnesses like diabetes and heart disease isn't a happy story. Certainly not for those of us who are more conscious about building happiness in life. Please share this newsletter issue with those you care about. We can impact lives together!

The Bucket List - chances are that you may not have made one. It is an interesting journey that we can take together. It's also a lot easier taking a peep at some of the most inspiring bucket lists that we have put together to share with you. Let's start one and live it out!

Since our taste buds are not working like black and white TVs. We know it's meant for some tasty good food. Yummy! Let's stay healthy, and also up our knowledge about making some nice interesting food. Here are some really good resources curated for you.

There's a man in Singapore, that every time he concludes a business deal, he would go buy a plant and plant it somewhere. It's a simple way of giving back. He was also able to disengage and be with himself while doing something meaningful, albeit how simple it was. In this issue are some more examples of such life's lesson that we can benefit from. All we need, is to just take some time, slow down and breathe in the fresh air.

There are just too many things that we know to be good for us, but have not yet become a part of us. Applying wise financial habits may be one of them. Here are some to learn about by seeing them from the eyes of a very successful woman - Oprah Winfrey. Change requires conscious efforts. I hope some of these thoughts will begin to be a blessing in your life. Cheers.

In case you missed the news, besides the big 3 - US, Russia & China, tiny Singapore would be the next to send a human into Space using a helium Stratospheric balloon capable of lifting an SUV. This is a 5 years arduous journey filled with many inspiring stories. A Visionary who saw the possibilities, followed by 150 applicants to be Singapore's first Astronaut, and finally an extraordinary individual to make the trip, laying his life on the line. Yet his project isn't about Space. It's about creating a better mental model for Singaporeans - that with the heart, mind and grit, we can do great things. Enjoy this historic moment.

Or rather, this issue is about learning the secrets of being interesting. Even calling it a secret is a little too much. In today's world of overwhelming information overload, it's about paying attention to certain things that some people do to make themselves more interesting than others. We can all do better in life with a little dose of this knowledge. So let's dig in!

In this issue, I'd like to do something different. All of the highlights are very interesting videos from TED talks about the way we think. The videos are between 15 to 30 minutes, but they are well worth your time I promise. Hope these resources will help create marginal changes in your life every so often. Let's be enlightened together!

Research seems to point to the fact that those who engages in deeper conversations with others are happier people. This is what I call a happy finding. It levels with what makes us human. We speak, we listen, we feel, we learn, we take and we give. And deeper conversations allow us to lift each other up.

In the last issue, we discussed how robots will change our lives in the future. It has become increasingly important for us to keep our minds on the ball, stay sharp and stay progressive. If half the jobs in 2020 are yet to be known to us, how can we prepare ourselves and our children today? To face a fast changing future, we need to first understand it. We need to try and take a peek into this future and start to embrace change.

We have come to a very unique juncture in time, where we are transitioning into the 4th industrial revolution. This is a time where technology as we know it will start to escalate in its rate of change. Our lives and jobs will surely be impacted. But how? It is time to consider this and take stock of where we might stand now and three to five years later.

From a parent to a child, between friends and professionally in the workplace - there's something special about the role of story telling. And we've a lot to learn from the world's great story tellers. Some of the best are comedians, public speakers and politicians. But there's more. I hope the following articles will help you get started in this interesting journey of learning and exploration.

It's been a while since the subject of Retirement was discussed. In this issue's video, it's quite interesting to see how children have different ideas about Retirement. I'm sure all of us have our ideas as well. Yet life can mercilessly erode these dreams. But not if we are really serious about them. So how serious is your retirement dream?

The future seems to come at us at a faster pace than before. It brings along with it many questions. Will automation take over our jobs? What new jobs will be created? And which existing ones will be obsolete? How can we survive? Yet some things don't change. Understanding the things that will change and those that won't can help us carve out a better future.

Most of us find it hard to change even when we know we need to. If only it's as easy as a walk in the park. But once in a while, a certain change of perspective is all it takes. Hopefully, today can be one of those time for you. We can gain some insights and wisdom from these articles that are worth sharing.

Do we need to get better at time management? Or do we need to instead think about Time itself? More specifically, what it means to us - with the very limited time that we have. The answer would be different for each of us. But I'm rather certain that taking time to ponder about Time itself can be a fruitful thing to do.

The World Health Organization's latest report says diabetes has quadrupled in the past 34 years. It's certainly something that we should care about. Not just for us, but also our loved ones. Here's a starter to help us understand and prevent this disease better.

Health is important, so is a good life and great food! One of the great thing about being in Singapore is that there's always new food places to explore. In this issue, I'd like to bring you to a couple really good yummy places - wrapped up with a hilarious video you don't wanna miss.

Singapore is growing as a cultural center. But why is Art important? And how can Art, in its many forms make our lives better? Deep within all of us, there's a need for expression and appreciation. There's certainly more for us to explore and learn about Art. Do not miss the video below. Oh how beautiful this is ~ a celebration of art and life!

It is always quite refreshing to discover new things about our health. In this case, Vitamin C is one of those surprises. Do watch the video below till the end ~ it could be a life saver. But please seek your doctor's opinion as well.

The more we read, the more we can share. And sharing is caring. Here are a few interesting articles I'd like to share with you in this issue of my newsletter. Remember to pass it along to those whom you care about too.

It isn't the bucket either. One good news is that more people are now surviving cancer. The other good news is that life expectancy has increased from 75 to more than age 80. But hold that thought for a moment - it's only good news if one is financially prepared to survive such a critical challenge.

We may have thought that creativity is a realm belonging to a selected few. But is it? In this issue, we explore together some interesting stories that may strike a chord of inspiration for you. You can be creative too.

Testimonials & Referral Notes

Meet Jin Han!

Jin Han has a really patience and helpful nature.
Instead of helping his clients and treating them as business partners, he really gets to know you first before helping you.
Other then that, he is really respectful towards his clients.

I would really recommend him to you all.

Ms Tan
Business Owner

Assured & Comfortable

Jin Han is a really dedicated financial consultant. I remember clearly that he engaged me when I was in a position where insurance would be considered a luxury to have, at that point, only managed to get 2 simple cheap plans. Normally, one would think that the agent would just close the 2 simple plans and just probably spend more time on finding more lucrative prospects.

However, he did make sure to check in on me every once in awhile, which was pretty heart warming. I remember having submitted claims through the prudential web portal, just minding my own business, I would then receive a text from him checking if I got hurt after seeing the claims submission. Not to forget the birthday cake and card that he would send me yearly. Heck, the cakes over the years would have probably been more costly than whatever commission he earned from me. However, that did not stop him from showing a true human side to insurance agents whom I have always been sceptical about.

He also puts in a lot of effort to keep up with my portfolio and schedule regular appointments to keep me updated on my portfolio and any seemingly potential new products that he feel may suit my current earning power. Never one to hardsell, he is always sincere in what he shares and he takes the time to customise the coverage/premiums for me based on what I can afford, and not just try to sell me the most expensive premium under the guise of "my personal benefits".

I feel very assured and comfortable whenever we have an appointment as I know that this is not a salesman I am talking to, but an expert who is well versed in finance, and who is someone who really cares for the well being (physical/financial) of his clients.

To anyone who is scrolling through his wall of testimonials, I am sure there are many repetitions of compliments when it comes to his professionalism yet staying grounded. Pls do not hesitate to even reach out to him!

To Jin Han, bro, keep up the solid work of yours and may you always remain the humble, sincere and detail oriented consultant you have been over the years! Cheers!

Jone Lum
Logistics Manager

Down to Earth

A down to earth individual that puts its clients need first.

Very patient in painting a clearer picture for me who has no financial knowledge by relating to what I do. You will be able to see that he actually gets to know more about you instead of simply pushing his service.

He is understanding and respectful towards a persons time and definitely keeps to his words!

Cheryl

Meet MR AFFABLE!

Jin han takes the time to understand his clients before tackling their needs and concerns.
Really appreciate him treating his clients not as business partners from the get-go but as friends instead.

Being constantly updated with news and information in the market. Jin han is not only extremely knowledgeable but also passionate in this field!

He is the go-to financial consultant and would definitely recommend him to my family and peers!

Jordi
Interior Designer/Animator

Appreciation

I wanted to express my appreciation for the excellent service provided by Jin Han.

His patience and understanding throughout the process were truly remarkable. It's refreshing to work with someone who takes the time to listen and address all my concerns.

Thank you for your exceptional professionalism and dedication to me!

Jie Hui
Nurse
KK Hospital

Better insights!

Working at CCK MRT, I'll always see Jin Han either in the early morning or late night. It's been a while since we met up due to both of our hectic work life.

Recently we caught up to discuss about life and future plans. Told him that I'll be a married man soon. He then went on to share about the future plans that he has in his pockets. Explained everything out and also told me that he isn't pressing to make me sign with him. I shared my concerns regarding this as we would have to sit and talk with my future partner.

Overall, he gave me a better insight to what he can offer me in the future and secure my long term goals. A hardworking guy and also a good friend. A future FC to look out for. 👍🏻👍🏻

Hafidz
30y/o
SMRT officer

Genuine & Patient.

I met Jin Han for a short financial planning sharing session over lunch.

Although it was meant to be a short sharing session, he was genuine and patient in his sharing, and he cleared my doubts on several areas.

Would strongly recommend Jin Han for anyone who is looking for a reliable and trustable financial consultant. Thanks Bro!

Elias
29y/o

Meet my Insurance Bro!

As an individual, Jin Han has always been very concerned about his peer’s well being. He has ears of a therapist and compassion of a nurse. Which allows him to understand an individual’s needs.

His detailed explanation not only allowed me to understand the need of financial planning. He used illustrations to paint me a clearer picture of the importance as well and it intrigued me into wanting to know more.

Ngoh Jin Han is a top notch Financial Consultant. Thank you my bruh!

Dinesh
28y/o
Engineer

A Timeless Buddy

The last I met Jin Han was close to a decade ago. As compared to our mischievous young self back during secondary school, I am personally impressed to see how he has nurtured well into a very reliable and down to earth individual not only as a Financial Consultant but also as a friend.

Indefinitely, his transparency, to-date knowledge and honesty are commendable. These are traits that are hard to come by. Most importantly, he doesn't resort to pressure or fear-like tactics pertaining to illustrating policies/products compared to most individuals I've come across.

I look forward to working alongside him in the quest for more up-to-date knowledge and possibly, managing my future policies with Prudential.

Dzul
28y/o

Meet him!

While dealing with issues I’ve had with previous financial consultants, my partner recommended Jin Han to me and I’ve not looked back since.

Jin Han helped me look through the policies I had and gave me some recommendations to help build my portfolio. He patiently took over my policies and took time out of his schedule to help me understand what policies would benefit me the most.

I appreciate his honesty and will definitely recommend him as a financial consultant.

Glenda Chia
28y/o
Pilates Instructor

Honesty, Transparency & Openness

Jin Han is a very knowledgeable financial consultant despite his young age. He exudes professionalism and a positive mindset, ever since i’ve started engaging in his services.

He’s helped me gain a much broader understanding of my current financial situation and is extremely patient throughout the entire process.

Honesty, Transparency and Openness isn’t something that’s common nowadays but Jin Han proves otherwise. He is definitely someone you can trust, and I think these qualities are what sets him apart from the others.

Jinfero
28y/o
Barista
Maxi Coffee Bar

No second thoughts

Hi Everyone,

Jinhan has been a long time friend and he recently took over my portfolio after my initial agent left insurance industry.

After taking over my portfolio, Jinhan immediately studied about my cpf investment portfolio and initiated a meet up to re-diversify my investments.

With the recent changes to the life insurance policies in Singapore, He took no time in planning another meeting with me to keep me up to date with the changes which might potentially affect my policies and portfolio.

Overall a very trustworthy guy and friend whom I’ll have no second thoughts when he is handling my insurance and investment policies.

Sincerely,
Keith Koh
30y/o
Air Steward
Singapore Airlines

Meet Jin Han!

Hi Jarrold,

Jin Han was introduced to me by my cousin Sheryl & David when he heard of my lack of financial knowledge. Jin Han was able to impart knowledge to me clearly through a virtual meeting with genuine care.

He is detail-oriented and able to pin point my needs with regards to financial planning.

Best Wishes,
Ryan
25y/o
Air Force Regular

Meet my fc

Hi Everyone,

Jin han is a patient financial consultant who isn’t pushy about selling the policies and comes across as someone who genuinely cares for your health and wealth. He lays out concepts that are relatable to you in a comprehensive way.

He makes sure he checks what he’s unsure of, instead of providing inaccurate informations.

Currently, he is managing three policies for me and it has been a great sales experience so far.

Regards,
Goh Xuan Han
31y/o
Human Resource
JPMorgan

Meet my trusted fc!

Hi Everyone,

As parents of a 2 year old, my husband and I have a common goal of early retirement and a worry-free future for our boy, as we know that our next generations will only have it tougher.

After reviewing our existing policies, Jin Han took the effort to put together all the information in table form such that at one look, we can clearly see what coverage do we already have, and more so, what are we lacking on.

Jin Han was thorough and meticulous in going through his proposals and only recommends what we need. We are now more assured that our family is well covered in case of any misfortune, and we also started another savings plan to boost our long term saving goal.

Overall, all our meetings with Jin Han has been just pleasant, as we could feel his positive and sincere disposition even through Zoom during this Covid time. Would definitely continue to engage him to discuss our financial needs as we progress to our next stage of life!

Sincerely,
Sheryl Jude
29y/o
Analyst
Citibank

THE BEST FC!

Hi Everyone,

Jin Han is the third financial advisor that I know and so far the best.
We were introduced to each other through a mutual friend(Hamizan). However Jin Han and I weren’t able to meet in person because it was during the circuit breaker period so we had a zoom meeting.

Nevertheless he was able to give me a clear idea on why financial planning is important and how beneficial it is to me and my family.

Jin Han is a very friendly and hardworking person who is very professional at his work. He makes things seem less complex and understandable.
It was a pleasure getting to know him.

Yours Sincerely,
Sharon
28y/o
Systems Engineer
Infosys

Honesty really matters.

Hi Everyone out there whom is in need of not just a FC but a friend,

As a millennial, I understood the pressure of being a sandwich generation just by observing my parents. Hence, I grew to be more aware of my spending habits, savings and planning my own finances. But let's come to terms, we simply may not have that much time, effort and expertise to plan our finances to achieve what we intended to. Sometimes we doubt ourselves, and require a second opinion. This is where Jin Han filled the role.

It is until I met Jin Han, that I realize having savings without a goal for it is like writing a story without a plot. That is why I've decided to pick up a policy with Jin Han after he analyzes my portfolio, and recommended products that first and foremost work as a form of security, and secondly add value towards achieving my goals and milestones in life.

I've met FCs all the time, outside MRT, near shopping malls and even the post office. They approach you with a motivation to close you. And how many of you actually hear from your FCs after signing a policy with them?

This is where Jin Han is different.
As a FC, he made it a point to listen to your needs and goals, before he recommends anything at all. He keeps in mind your goals, such that when he meet you the next time, it is not a sales pitch, it is a proposal to get you closer to your goals. Ultimately, he only wants the best for his peers, friends and clients, as such he is truly the embodiment of Prudential, Always Listening, Always Understanding. I hope there is more FCs like that out there.

TLDR, Meet Jin Han for 1 session, talk to him about your dreams and goals. And you'll experience what does Prudential mean by Always Listening, Always Understanding.

Sincerely,
Joshua Quek
28y/o
Content Developer

A decade old friendship.

Hi Fellow peers & family members,

An almost a decade old friend, colleague and a desk partner, Jin han has always been someone you could entrust responsibilities with. His genuine care for his friends and families clearly reflects on his work ethics as well.

What I love and adore about working with Jin Han, in a financial consultant standpoint, was his prioritization of my needs over anything else.
Followed by my affordability in a month to month basis and then policies he thinks might benefit me. And the best part was that if i were to reject any policies, that'll be the end of it. No persistence, nothing. You'll genuinely feel like you're being taken care of and that's a very unique in his field.

Paired by his humility to admit his limited knowledge regarding certain policies, assures me that whatever policies he presents are both well researched, legitimate and trustable.

As someone who has an honest genuine personality and great deal of humility, Jin Han is someone i can rely on and instill this confidence in me that my financial planning will be well taken care of for a very long time.

Sincerely,
Mohammad Nashrul Khairy
28y/o
Motion Graphics Designer
Freelance

Meet someone interesting

Hi Everyone ,

From the get go, Jin Han’s propensity to be straight forward enables me to get a sense about his integrity and character.

The consultant that you are potentially going to work with for several years has to be someone you are comfortable around and ideally can connect with.

That said, with the degree of trust placed, one tends to open up and get personal with him and this is when he is able to tailor you your personal plan.

He is capable of relevant analogies to make it easier for one to understand.

I’m already well assured upon the first meet!

Regards,
Hisyam
35y/o
Operations Manager
Virgin Active Singapore

Meet my trusted bro

I have met a lot financial Consultants before, but Jin Han was the first one I choose to trust and I believe he will be my last one also.

Through 2 years of army and had lived with him, I found he is a very responsible and friendly person.

After the meeting with him for insurance matters, his professional knowledge in insurance and finance field made me to choose him become my financial consultant.

Guan Yu
30y/o
Physical Trainer

Meeting by chance

Hi Everyone,

By sheer chance, I bumped into Jin Han on my way to collect my motorbike from the dealership. He introduced to me a comprehensive but affordable personal accident plan, which was the first policy that I got from him.

In the following months after, we were able to work out a suitable insurance coverage and savings that I was comfortable with. Yet, I had to reduce or outright cancel some of it due to a unexpected change in life circumstances. Jin Han and his mentor has been understanding and helpful with advising in my current situation. I am very grateful to them!

Jin Han has worked his work to be a reliable and competent FC, and my to-go man for financial questions.

Regards,
Alvin
29y/o
Designer

Never regretted since

Hi Everyone,

I find that Jin Han is a good financial advisor. As he listens first to your needs and then he proposes a solution to help go through it.

So far, in every of the consultation we had, he made it simple and easy for me to understand. Often, I find that his presentation are well rounded and informative. His response is also very fast which ease me when I have doubts.

Also, I have met him through words of mouth - my cousin Syahirah. And I have not regretted since.

Regards,
Aini
30y/o
Lighting Designer
Lighting Planner Associates

Trustworthy FC

Hi Everyone,

After my meeting with Jinhan, he was able to inform me of up to date information as well as advising me what are my current priorities in terms of financial planning.

I was also able to have a new perspectives on how i should go about planning for the future.

I highly recommend anyone with enquires about their financial planning to approach Jinhan and he will be able to provide you with a clearer direction.

Sincerely,
Melvin
28y/o
Defensive Technologies

Knowledgeable and trustworthy

Jin Han has helped me gained a better understanding of the different policies out there and which one suits me the most.

He also takes time to craft the best policy suited to you after taking time to know you better and understanding you. I can count on him whenever i have any questions or anything happens!

Lian cheng
28y/o
Real Estate Agent
ERA

Meet my fc!

My friend recommended JinHan to me on regards to financial planning for my future. He is very friendly, responsible and trustworthy. Thanks to him, I have knowledge about insurance matters.

He walked me through step by step on the policies recommended according to my affordability and needs. Jin Han is very patient no matter how many questions i asked. He is also fast and efficient. I feel more secured with my savings plan which was handled smoothly by him.

Wirdah
26y/o
Childcare Teacher
Sparkle tots

Meet him!

For me, it’s wasn’t easy to choose which insurance policy to get since there are many out in the market, yet Jin Han was able to advise clearly on which suits an individual best. He learns about our individual interest and was patient in explaining them.

Through all our meet ups, I found Jin Han to be committed and reliable, which eventually led to me referring my boyfriend to him.

Thanks Jin Han for your time and advices!

Amanda
28y/o
Executive
FlyScoot

Meet my best FC everr!

Jin Han is a friendly and patient financial adviser whom is extremely dedicated to his job. He ensures that the individual’s financial needs are well analysed before drawing out the most suitable plan for them.

Jin Han never fails to clarify any doubts that I have even if he’s overseas. His pleasant disposition also made him very approachable. It was a pleasure meeting Jin Han and now I can be assured that my financial planning is well taken care of.

Wei Ling
27y/o
HNW Ops
Prudential Singapore

The go-to guy i trust

Responsible, honest and trustworthy, these are some of the qualities that best describe jinhan not only as financial consultant but as a fellow friend.

Passionate in what he does, jin han takes the time to understand a person's needs and concern.

Informative, jinhan keeps me well updated with the changes in the industry.

Jin han has helped me understand that financial planning will not only benefit me but also my love ones. He is my go-to-guy for my financial planing.

Hamizan
29y/o
Software Engineer

He’s got my back!

Hi Everyone,

Jin han is friendly and very professional at his work, the explanation is clear.

Very glad he is willing to sacrifice his precious night time just to accommodate with my schedule. He can be naggy at times but definitely not pushy.

Unquestionably I would recommend Jinhan to anyone who has any enquiry in an insurance plan.

Regards,
Shawn
29y/o
System Analyst
Sentosa Development Corporation

Meet my bro/insurance agent!

Jin Han is a very honest and sincere agent that I ever met. He is the one and only agent I know who is never pushy on his products.

He cares more of my affordability within my range of spending on the crucial product that I need for my future. Also, he does constantly update me on the latest news of the industry and market that might affect me.

He make things easier for me to know what I have so when things happen, I know where and who I should look for!

Henry
32y/o
Barista
Little Rogue Cafe

Not just a financial consultant, but a bro first and foremost.

Jin Han has been a great help to me in the handling and planning of my finances.
Even though i'm not good with numbers, he was able to break it all down for me clearly and concisely so that I could understand.

He has proven himself to be both a committed professional and fun dude, and I'm glad to be working together with Jin Han in planning for my financial future!

Joseph Tan Wei
28y/o
Producer
Barry Callebaut

My first step into financial planning

Hi People that matters,

Jin Han is very patient and down to earth person who explain each policy exceptionally. He cares a lot about his client and is always available when needed.

Through him, I was able to understand more about insurance matters and how the policies will eventually benefit me in the future.

Jin Han is definitely the insurance agent I will be recommending to my family and friends.

Regards,
Syahirah
23y/o
Draftsmen
TopSteel holdings Pte Ltd

Regular lunchtime coffee talks

Hi Shafiqah,

Before meeting Jin Han I didn’t have any prior knowledge about insurance and how it could benefit me in the future. He is a very dedicated and informative agent that I could trust. He makes sure I was up to date about industry changes.

Jin Han even went out of his way to check on my health after my accident. Which I never regretted getting my personal accident coverage that was recommended by him.

Thank you, Jin Han!!

Cheers,
Dewi
26y/o
Producer

Jin Han Ngoh 吴金翰

Senior Financial Consultant

Jin Han Ngoh 吴金翰

Senior Financial Consultant

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