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CELESTE KOO

PRUDENTIAL FINANCIAL CONSULTANT

CELESTE KOO

PRUDENTIAL FINANCIAL CONSULTANT

Wall of TrustCall Me
Articles Worth Sharing

Celeste was a cabin crew with Singapore Airline for 10 years. With her 10 years
of good service record, she embarked her career as a financial consultant in
Prudential.

In fact, she turned down a job that offered the expected salary of her choice.
But decided to take a leap of faith in this career as a financial consultant.

Celeste wanted a job that is meaningful that she can impact peoples life and
value add to them as well.

The 4 key take away Celeste implement in her business:

1. She help clients identify any potential gaps of their existing policy, by
enhancing and closing up the shortfall for their coverage and generating wealth
for their future. By assisting them in identifying their cash flow allocation to
support in their forward planning.

2. Good follow up skills with client.
Celeste update clients on the status of the policy/claims or any doubts should
they have any. Financial planning that client can rely on.

3. Customer Service
During challenging time when client needed us the most. Rest assured that
Celeste will be there for you and be able to answer questions that will help
ease the process.

4. Long term relationship
Celeste believe in walking the path and journey with her clients through
different stages of life.

Come and be part of my community! I will be more than happy to value add to you
and together I’m here to plan for your future for you and your love ones.

Be it protection, wealth accumulation, retirement and investment through
Investment-Linked Products.

Celeste Koo
Representing Prudential Assurance Company Singapore (Pte) Ltd.
Reg. No. 199002477Z
www.prudential.com.sg/fc-info

Company Approval Code
121/15Apr23

* Work
* Prudential Assurance Company Singapore (Pte) Ltd
* Credentials

2021,Quality Club. 2021,FastTrack Elite. 2021FastTrack. 2022,Quality Club.

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NEWSLETTERS

ARTICLES WORTH SHARING

NEWSLETTER ISSUE 80: HOME DREAMERS

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.

NEWSLETTER ISSUE 79: BEFORE IT'S TOO LATE...

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.

NEWSLETTER ISSUE 78: UNLOCKING POTENTIAL OF OUR AWE AND ENVY

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.

NEWSLETTER ISSUE 77: LIVING WITH NEW REALITIES OF AI AND CHATGPT

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.

NEWSLETTER ISSUE 76: IN HONOUR OF MOMS

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.

NEWSLETTER ISSUE 75: KEEP CALM & INNOVATE

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.

NEWSLETTER ISSUE 74: BRIGHT, BRAINY & BEAUTIFUL LIVING

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.

NEWSLETTER ISSUE 73: THE GOLDEN GIFT OF INTENTIONAL QUIET

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.

NEWSLETTER ISSUE 72: FINDING THE SILVER LINING

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.

NEWSLETTER ISSUE 71: PLANNING AHEAD

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.

NEWSLETTER ISSUE 70: TAKING A WALK

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.

NEWSLETTER ISSUE 69: MIND OVER MONEY

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.

NEWSLETTER ISSUE 68: NAVIGATING DIFFERENCES, CONFLICTS AND RELATIONSHIPS WITH
MATURITY

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.

NEWSLETTER ISSUE 67: BETTER THAN BEFORE

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.

NEWSLETTER ISSUE 66: SELF-DOUBT & SELF-CONFIDENCE

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.

NEWSLETTER ISSUE 65: 80 SUMMERS, 80 WINTERS, 1 LIFE

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.

NEWSLETTER ISSUE 64: TRAVELLING AGAIN

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.

NEWSLETTER ISSUE 63: BEING POSITIVE

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.

NEWSLETTER ISSUE 62: SOCIAL MEDIA AND MENTAL HEALTH

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.

NEWSLETTER ISSUE 61: BEING SAVVY THIS FESTIVE SEASON

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!

NEWSLETTER ISSUE 60: LOOKING TOWARDS 2022

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.

NEWSLETTER ISSUE 59: 6 ESSENTIAL MONEY MOVES TO MAKE IN UNCERTAIN TIMES

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.

NEWSLETTER ISSUE 58: MISCONCEPTIONS THAT HOLD US BACK

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.

NEWSLETTER ISSUE 57: ONE THING AT A TIME

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.

NEWSLETTER ISSUE 56: HABITS & DECISIONS THAT COMPOUND

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.

NEWSLETTER ISSUE 55: MANAGING BURNOUT

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.

NEWSLETTER ISSUE 54: ON LEADERSHIP

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.

NEWSLETTER ISSUE 53: PRODUCTIVITY, PERSONAL EFFECTIVENESS & MEANING

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.

NEWSLETTER ISSUE 52: LIVING A GOOD LIFE

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.

NEWSLETTER ISSUE 51: DIGNITY AND WHY IT MATTERS

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.

NEWSLETTER ISSUE 50: EMPOWERING WOMEN IN OUR MIDST

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.

NEWSLETTER ISSUE 49: THE GIFT OF PAYING IT FORWARD

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.

NEWSLETTER ISSUE 48: DONE IS BETTER THAN PERFECT

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!

NEWSLETTER ISSUE 47: OF LANGUAGES, LOVE AND POSSIBILITIES

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.

NEWSLETTER ISSUE 46: GUIDING PRINCIPLES AND TIPS ON TAKING CHARGE OF FINANCES IN
OUR LIVES

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.

NEWSLETTER ISSUE 45: ON TEACHING, LEARNING & GROWTH

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.

NEWSLETTER ISSUE 44: THE ABILITY TO RETHINK & REASSESS OUR MINDS

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.

NEWSLETTER ISSUE 43 : STAYING GROUNDED IN THINGS THAT SERVE US

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.

NEWSLETTER ISSUE 42 : MOMS NEVER RETIRE?

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.

NEWSLETTER ISSUE 41: THIS IS THE 8TH WONDER OF THE WORLD - EINSTEIN

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

NEWSLETTER ISSUE 40 : MASTERING THE SKILL OF LEARNING NEW SKILLS FAST

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.

NEWSLETTER ISSUE 39 : WHAT IS HURTING EMPLOYEES AND EMPLOYERS

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!

NEWSLETTER ISSUE 38 : HOLDING SPACE IN DIFFICULT TIMES

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.

NEWSLETTER ISSUE 37 : COVID19 - NO TURNING BACK FROM A NEW FUTURE AND REALITY

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!

NEWSLETTER ISSUE 36 : MAKE THESE 6 DECISIONS

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!

NEWSLETTER ISSUE 35 : WHEN THE GOING GETS ROUGH

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.

NEWSLETTER ISSUE 34 : TRUST, RELATIONSHIPS AND EMOTIONAL SECURITY

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.

NEWSLETTER ISSUE 33 : THESE ARE SIMPLY WORTH SHARING WITH YOU

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.

NEWSLETTER ISSUE 31 : THE POWER OF TINY GAINS

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.

NEWSLETTER ISSUE 30 : HOW THE WORLD FORGOT TO SLEEP

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!

NEWSLETTER ISSUE 29 : DON'T LEAVE LIFE WITHOUT IT

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!

NEWSLETTER ISSUE 28 : 8 RIDICULOUSLY GOOD RECIPES THAT ONLY TAKE 15 MINUTES

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.

NEWSLETTER ISSUE 27 : LIFE'S MOST POWERFUL LESSONS

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.

NEWSLETTER ISSUE 26 : 3 FINANCIAL WISDOM FROM A WOMAN WITH 3B NET WORTH

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.

NEWSLETTER ISSUE 25 : COME 15TH MAY, SINGAPOREANS HAVE ONE MORE THING TO BE
PROUD OF

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.

NEWSLETTER ISSUE 24: THE INTERESTING SECRET

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!

NEWSLETTER ISSUE 23: THE WAY WE THINK

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!

NEWSLETTER ISSUE 22: WHY HAPPINESS IS LINKED TO DEEP TALK

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.

NEWSLETTER ISSUE 21: HALF OF THE JOBS IN 2020 ARE NOT YET KNOWN

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.

NEWSLETTER ISSUE 20: YOUR LIFE IS ABOUT TO 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.

NEWSLETTER ISSUE 19: THE INDISPENSABLE POWER OF STORY

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.

NEWSLETTER ISSUE 18: RETIREMENT DREAM VS REALITY

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?

NEWSLETTER ISSUE 17: SOME THINGS DON'T CHANGE

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.

NEWSLETTER ISSUE 16: 2 TIPS FROM A 116 YEAR OLD

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.

NEWSLETTER ISSUE 15: THE THING ABOUT TIME MANAGEMENT

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.

NEWSLETTER ISSUE 14: WHAT YOU NEED TO BEAT DIABETES

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.

NEWSLETTER ISSUE 13: HIPSTER HAWKER STALLS - YUMMY!

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.

NEWSLETTER ISSUE 12: OH HOW BEAUTIFUL, BEAUTIFUL, BEAUTIFUL!

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!

NEWSLETTER ISSUE 11: SECRETS OF THE HEART - UNCOVERED

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.

NEWSLETTER ISSUE 10: THE RESULT OF READING

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.

NEWSLETTER ISSUE 9: THIS ISN'T THE BUCKET LIST

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.

NEWSLETTER ISSUE 8: CREATIVITY

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.

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WALL OF TRUST

TESTIMONIALS & REFERRAL NOTES

MEET SOMEONE I TRUST

I had an Excellent experience with Celeste.
She would make sure my husband and myself understand the details and is patience
during the whole process. She is able to clarify things whenever we are unsure
of.
There are 3 key take away from the session.

1. Life insurance will help provide financially for your survivors.
2. Health insurance protects you from catastrophic bills in case of a serious
accident or illness.
3. Long-term disability protects you from an unexpected loss of income.

I will definitely recommend my friends to her.

Jolin

NEVER TOO LATE TO START!

Celeste is a professional, customer-orientated and hardworking individual"

She shows me the importance of why planning for my future financially is
important. She value add to me on the options available to beat the constant
inflation and shows me how money can work hard for myself.
She also prepares me for the unforeseen circumstance and relook my coverage.

I will definitely recommend my friends and family to her

Edmund
Procurement Head

MEET MY FINANCIAL CONSULTANT

My experience with Celeste was awesome as she explains the products and terms
patiently and she was not pushy. She takes the time to under my needs and
recommended the necessary policies that suit my needs. I found her professional,
and approachable and she is responsible and truly cares even after-sales.

I was able to have a better understanding of the products which allows me to do
some modifications to my current plans after her professional advice and I am
happy that we became even closer and we can share our life experiences and
motivate each other.

I will definitely recommend my friends and family to her!

Nikki
Bank Sales Manager

MEET MY FINANCIAL CONSULTANT

Celeste has always been there to provide information relevant to my needs, never
pushy and respects my personal preference. I feel confident with my plans in her
good hands and will definitely recommend any friends and family who needs an
open sharing session! Shout out to Celest who never fails to create smiles for
me and my family with nice touches to show she remembers each any every of our
milestones! One truly satisfied customer!

Jason
Assistant Director

MEET MY FINANCIAL CONSULTANT

Celeste was introduced by my daughter.
When I started to engage with Celeste, I told her that I would like to
understand more about my existing policies and address on the shortfall to cover
the gaps for my family replanning purpose.

I was impressed by Celeste's sincerity, patience, and friendliness that she was
so generous to share her professional knowledge with me without taking
opportunity to hard sell nor to convince.

She also opens up herself to talk about some fun things when she was a SQ
stewardess as well as her pet parrot as I also have one.

Celeste is one of the consideration factor that makes me decided to go with the
plan. As she always thinks from my side, analyze and plan together with me. Most
importantly she listens carefully to my need, tackle all issues or on my
mis-done with immediate action, and keep me closely in the loop of progress
update.

My family felt comfortable and reliable to have her supporting us not only now
but in the future. Her dedication to client's need with her professional
knowledge and attitude while she still can carry with her personal touch even
during the exploration journey, i sincerely appreciate it and highly recommend
to whoever wants to get a professional, caring and sincere agent to plan
together for their future.

Thanks a lot Celeste and appreciate for your patience and caring as well.

Jessy
Global Head

MEET MY FINANCIAL CONSULTANT

Celeste is the best insurance agent I’ve ever worked with. She make sure I stay
protected and revisited my current policies and explain on the shortfall I have.

She’s goes way above and beyond as a Financial Consultant, and always returns my
calls and emails without fail.

I would recommend her to anyone that I know.
Thank you for always being there for me and my family!

Kenny
Logistic Manager

MEET MY FINANCIAL CONSULTANT

Celeste is a close friend of mine and who always put her friends and clients
interest first.

She was always very helpful in planning my financial portfolio and make time to
fit my work schedule. She has helped to identify the gaps in my coverage on my
existing portfolio and recommend additional coverage that will suit my budget
and lifestyle.

Celeste is a hardworking financial consultant and I am confident that she will
be able to service my existing financial policies and needs in a long term.

I will definitely recommend my friends to her!

Daniel
Business Development Manager

MEET SOMEONE SINCERE AND HONEST

Celeste is very honest and sincere person, so I decided to chose her over other
agent.
Celeste explanation was very clear and easy to understand. She will go to the
extra miles to explain my other existing policy to me. Which I have forgotten
what it was covered and paid for.

I will definitely recommend my friends and relatives to her.

Patrick
CEO

MEET MY FINANCIAL CONSULTANT

I chose Celeste out of other Financial Consultant because of our previous
working relationship at PartnerGroup.

I found her to be one of the most caring and attentive people there, which is an
important quality I look for in a financial consultant. I have good experience
with Celeste. She explained things very well and tailored the plans to my needs
and is very efficient in her work.

The key takeaway is, insurance should be a key part of our financial planning
and I will definitely recommend my friends!

Peter
Global Head Fund Controller

MEET MY FINANCIAL CONSULTANT

Celeste responded to my requests timely. She does not come across as very pushy
which is what draws her apart from a typical financial consultant.

She is very knowledgeable and she explained all my options. She was also very
helpful, courteous and friendly! I truly appreciate the exceptional service she
provided me.

Definitely not one of those financial consultant that go missing in action when
you need help nor those that after receiving their commission from you, they
hardly follow up because you don’t pay a premium with them. Thank you so much!

The 3 key take away from the session is that, Celeste is Trustworthy, Diligent,
Genuine.

I will definitely recommend my friends!

Elthea
Pharmaceutical Sales

HELLO EVERYONE

I met Celeste as a regular customer at the cafe I am working. Always delighted
to meet and have a chat as she has a positive aura. She is not a hard seller and
provide concepts that are easy to understand, honest and open.
She is very hardworking and professional on what she does. I will highly
recommend my friends to her!I

Safwan
Barista at ASYLUM

MEET MY FINANCIAL CONSULTANT

My experience with Celeste was very fruitful. We began to catch up via zoom as
she helped me to look through my existing policies and address on any gaps for
my policies.

Base on my needs and concern , she provided options for me to consider and
explain the features of the plan very clearly.

She is very detailed and very patient in her presentation. Even when I'm in
doubt, she clarify it with confidence and address all my concern.

Celeste is knowledgeable on the products and introduced the ones that is
suitable for me.

I will definitely introduce to my friends! Always my pleasure to share the good
stuffs with others when it is beneficial.

Ai Ling
Nurse

MEET MY FINANCIAL CONSULTANT

I have been very comfortable with Celeste through all the meetups we had. She
give the best recommendations according to one’s needs & always ensures her
clients are comfortable to sign up for the policies :)
We’re more than just client-agent relationship in fact.

The biggest take away are:
- Don’t wait
- Get insured early
- Aim to get financial freedom

I will definitely recommand my friends to her because we love attentive and
passionate FCs like Celeste!

Gwendolyn
Founder & creative Director of INNERSKIN

MEET MY FINANCIAL CONSULTANT

I feel very comfortable with Celeste as she is not pushy and does not pressure
me into buying something that I do not need.
I feel that she genuinely cares about the well being of the customers. I do not
have enough time to research about insurance but Celeste has always taken the
time to educate me and let me know about my various option if I have any doubts

My 3 key take away from Celeste is that she is “Responsive”, “Reliable” and
“Customer first”.
I found that she’s a responsible Financial consultant who truly cares for her
customer even after-sales and never hesitate to advise me on financial matters.
She takes time to understand my needs and recommend the necessary policies that
meet my requirements. I really appreciate what Celeste has done for me and will
definitely recommend to my friends

Vince
Finance Analyst

MEET MY FINANCIAL CONSULATANT

I connect with Celeste very well and I trusted her due to my good working
experience with her previously.
Celeste work attitude and follow up skills is very good. And that is one thing I
look for in an agent.

I will definitely recommend my friends, and family members to her!

Jacelyn
Office Manager

MEET MY FINANCIAL CONSULTANT

Celeste is a very professional, honest and sincere Financial Consultant. She is
confident in her work and presented well.
Celeste is able to address my shortfall and concern.
The whole process with Celeste is assuring and smooth. I will definitely
recommend my friends and relatives!

Justin
Recruitment Officer

MEET MY FINANCIAL CONSULTANT

I’ve learnt from Celeste that it’s essential how important it is to have a
forced retirement plan. She showed me the key importance of planning early.

Based on statics cancer is the no. 1 cause of higher mortality these days hence
I decided to take up a cancer plan with Celeste. She also showed me the
importance of having an adequate early critical illness payout. She also shared
Breast cancer is also a predominant female illness. In 2021 I took up the pru
lady plan to Protect myself against female illness.

What sets Celeste apart would be her resilience, positive attitude and prompt
response.
Celeste would readily provide quick updates on claims or any new information of
upcoming plans should your require any information. I would definitely recommend
Celeste to my friends / family!

Tricia
Property Agent

MEET MY FINANCIAL CONSULTANT

I love the 15 mins presentation done by Celeste. It was clear and this gave me a
better understanding of what holistic financial planning is all about. Because
of her presentation, I'm more open with other plans that address the gaps in my
policies.

I will definitely recommend my friends!

Jocelyn
Music Admin/ Accountant

MEET MY FINANCIAL CONSULTANT

The main reason why I choose Celeste as my Financial Consultants, because she is
very professional and a pleasure to work with.

She has been awesome in finding the best insurance coverage for me. She always
has the answers for me and is quick to respond to all my enquiries and concerns.

I will definitely recommend her to my friends and others!

CK
Director

MEET MY FINANCIAL CONSULTANT

I had an amazing personalised service experience with Celeste during the meeting
and I'm glad I have met her.

Celeste is very professional and able to customised wealth accumulation
according to my gaps. She responded confidently to my doubts and is quick to
proposed ideas and solutions of my concern.

With her many years of SQ service experience, I am confident that I'm in good
hands and she can assist me to my future needs whenever I need her advise.

I would highly recommend my friends and family to her!

Ikhwan
Cabin Crew with SIA

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