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Rachel Huang Tianhui

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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.
 
Rachel Huang Tianhui
 
 
 
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Testimonials and Referral Notes

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Myint, nurse

I've had a pleasure with working with Rachel for my insurance needs. She can focus on the client's perspective and emphasize the benefits. I will definitely recommend her to anyone who is looking to buy insurance. Thank you Rachel!

Hashina, Lecturer

I’m incredibly grateful for the support and expertise of my insurance agent, Rachel Huang, who has been instrumental in helping me plan for a secure and fulfilling retirement. We began our journey together during the transition from AXA to HSBC Life. One thing that stood out was her sincerity and ease in simplifying complex financial concepts, making them feel manageable and achievable. She always consults me about my comfort zone before suggesting products that will help my insurance and retirement plans. Thanks for being there for me!

Yong Hong, Secondary School Teacher

Rachel was introduced to me by a good friend. She has been very helpful and professional, always taking the time to explain the different options clearly. I really appreciate how she listens and recommends what works best for me. She is someone I trust and can always turn to for advice.

Alvin Yeo, Agency Director of HSBC Life

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Vanessa, consultant

Rachel has been a very personable and responsive - even following up when I was unwell. Never was she pushy, always super patient. Will recommend to anyone looking for a trusted agent!

Ye Tong, HR Specialist

I highly recommend Rachel for her exceptional professionalism and expertise in financial planning. She is incredibly knowledgeable and takes the time to thoroughly understand my needs and circumstances before recommending financial products. Rachel goes the extra mile by carefully evaluates my current portfolio to ensure her recommendations are tailored and practical. Her approach is refreshingly client-focused, and she never pushes for higher-premium products that may not align with my current lifestyle. Instead, she thoughtfully considers my financial priorities and offers solutions that are both realistic and well-suited to my situation. Her guidance has been invaluable, and I truly appreciate her integrity and dedication to helping me make informed decisions.