Chloe Kong

Prudential Executive Financial Consultant | MDRT

Chloe Kong

Prudential Executive Financial Consultant | MDRT

I found a beautiful thing when a career and a passion came together!

After graduated from banking and finance, I decided to take a leap of faith to embark my career as a financial consultant in Prudential.

With my strong passion in financial planning, it leads me to the 10th year in the insurance industry and reached out to more than 800 lives to provide financial advice to their planning and service their insurance portfolio with my experience.

I believe in “A good financial plan is a road map that show us exactly how the choices we make today will affect our future”.

Hope I can use my knowledge and experience to value add the people around me.

Chloe Kong
Representing Prudential Assurance Company Singapore (PTE) Limited. Reg no. 199002477Z
work: chloekong@pruadviser.com.sg
www.prudential.com.sg/FC-info

Company approval code: 991/07Dec22

Work
- Prudential Assurance Company Singapore (Private) Limited
Credentials

Newsletters

Articles Worth Sharing

Newsletter Issue 94: Cultivating a Grateful Heart

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.

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.

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

Hi Everyone ,

Chloe has became my servicing consultant after my ex-consultant left the company.
She helped me to review my protection and accumulate portfolio. I find her explanation is very clear and easy to understand.
Throughout the years, I appreciate her effort to constantly update me and invite me to various seminar which the topic is very useful.
Thanks Chloe and wish you all the best in this career.

Regards,
Chean Wei

Hi Everyone ,

Chloe was recommended by one of my colleague.

When I first met up with her. I have no idea about insurance. Her sharing and explanation is very thoughtful and clear. No hard sell. It makes me feel comfortable to speak to her for my financial planning.
Chloe also help me to make sure that the money is spending on the right aspect and which is most needed.
Throughout the years, I truly appreciate her prompt response whenever I need her advice. Thank you Chloe. Wish you all the best!

Regards,
LiFang

Hi Everyone ,

Chloe was assigned to service my policies after my previous consultant left the company.

I find she is a reliable person as she always reply me promptly and giving me her genuine advices. She also constantly update me regarding to the changes of my hospitalisation policy to make sure that I’m aware about the changes.

I’m appreciate her constant effort and would definitely recommend her to anyone who is looking for a reliable person to take care of their policies.

Regards,
Youwen

Hi Everyone ,

My friend shared with me about her experience with her financial consultant, Chloe. The experience was wonderful and my friend also highly recommend me to meet up with Chloe.
I felt happy that I have met her.
Throughout the few discussion with Chloe, I truly understand the importance of insurance planning and found the suitable policies to protect my future.
Chloe is not pushy. Instead, I feel very relax to discuss insurance with her.
I’m thankful that my friend introduced Chloe to me and I will definitely recommend her to all my friends!

Regards,
Eileen Sim

Hi Everyone ,

I heard about Chloe from one of my colleague and very soon we have a meet up for discussion.
Throughout the meeting, I learnt a lot and the whole session was fruitful.
I find Chloe understand my situation and concerns. She explain the difference options for me in detailed and gave me the recommendations that is suitable to my needs.
Now, I can have a peace of mind as I have done my insurance planning which I always think about very long ago.
Thanks Chloe!

Regards,
Anne Chu

Hi Everyone ,

My sister introduce Chloe to me as she find Chloe is very helpful and professional.
Chloe shared with me about financial planning and some stories from her experience. The whole discussion with Chloe is comfortable and fruitful as her explanation is very genuine and sincere.
I feel thankful to her amazing customer service rendered and so happy that all my doubts have been clarified.
Highly recommended!

Regards,
Nikki

Hi Everyone,

Chloe is my financial consultant as well as my friend since primary school.
She is a person who very detailed and responsible. I feel so thankful to have her to handle my insurance portfolio and claims. She always update me with the latest information of my policies and never disappoints me.
Recommended!

Regards,
Shandy (teacher)

Hi Everyone ,

Chloe shared with me the importance of financial planning and made me realised how important of the financial planning is.
She is very sincere and down to earth. I appreciate the effort she takes to address my questions.
I’m glad that I have reached out to her and would highly recommend Chloe as a financial consultant to anyone who want to find out more about insurance.

Regards,
Pik Han (Researcher)

Hi Everyone ,

I met Chloe few years back to learn about financial planning. Dedicated and professional, Chloe is genuinely concerned for my well-being and protection.
She gave me the honest and unbiased advice on how to better manage my policies to maximise my protection with the best value.
Throughout the years, Chloe has also been tirelessly updating me regarding my policies.
I feel thankful to have Chloe as my friend and financial consultant. She comes with my full recommendation.

Regards,
KK Sing

Hi Everyone ,

Chloe is the most helpful and knowledgeable financial consultant that I have ever met.
She shared with me the importance of financial planning for my retirement. I was thankful for her thoughtfulness and patient to explain all the details of my policies.
I benefit a lot from her and she is highly recommended to people who need some help to take care of their policies.

Regards,
Mr Tan

Hi Everyone ,

My engagement with Chloe was great. She shared with me the importance of financial planning and the different type of policies for my coverage.
She was very patient and detailed. She helped to analyse my situation and gave me the most suitable solutions to make sure my coverage is sufficient and sustainable.
I find her advice is genuine and sincere. I am glad that I have her to service my policies. Will definitely recommend her my friends who are looking for insurance and financial planning.

Regards,
Yen Bin

Hi Everyone,

I got to know Chloe many years back through one of my best friends in school. Throughout the years, Chloe has provided her good and professional services.
She is very patient, thoughtful and never pushes me to make a decision on the spot. It makes me feel comfortable and confident in my decision and planning.
I’m glad to know Chloe and have her service my policies. She is highly recommended and will definitely introduce her to friends who are looking for insurance.

Regards,
Goh and family

Hi Everyone,

After working for a few months, my friend recommended his financial consultant to me and suggested me to meet up with her to learn about financial planning.
Out of curiosity, I decided to meet Chloe. She shared with me about financial planning and how financially independent is important to every fresh grade. I was totally agree with her and decided to take up some policies from her which is within my comfortable budget.
She is patient and have answered all my questions clearly so I can fully understand my policies well.
I have also recommended her to my mother.
Highly recommended!

Regards,
Tristy T

Hi Everyone ,

Chloe help me to service my policies after my previous financial consultant left the company. The conversation with Chloe is comfortable as she is not pushy and always help me to solve my insurance problems. She comes across as a very sincere and genuine person. I’ve introduced her to my best friend and family member. Never disappoint us, we all appreciate her effort and her passion in her work.
Highly recommend to people who are looking for a reliable financial consultant to service your policies and claims.

Regards,
Mdm Ho

Hi Everyone,

My wife recommend me to meet Chloe to review my policies after my financial consultant left the company. Initially, I felt it was unnecessary as I think I have pretty good coverage. However, after meeting Chloe for the discussion, I realised that I can have greater and more comprehensive coverage by using the same amount of premium every month.
She is very patient and good listening to my needs. We always have great discussion and she make sure that I’m fully understand my coverage.
That’s why I will definitely recommend her to anyone who needs a financial consultant .

Regards,
Low and family

Hi Everyone ,

A few of my colleagues recommend Chloe to me as Chloe is helping them to service their policies.
Base on my friends’ recommendation, I agree to meet Chloe and let her to review my insurance portfolio.
The discussion with Chloe is good. She is very patient and good listening. She understand my situation and needs. I found she is very sincere in her advice and proposal.
Never regret to meet her and I feel so happy that I have her, someone like a friend to me to service my policies.
Highly recommended!

Regards,
Joanne Soong

Hi Everyone ,

After graduation, my cousin shared with me the benefits of financial planning and recommend me to meet her financial consultant, Chloe.
Chloe’s sharing is very down-to-earth, clear and easy to understand. She is also a genuine and friendly person. She listens to my needs and propose the policies that meet my financial needs and budget, no hard selling at all. I like how she is genuine to service her client.
Strongly recommended!

Regards,
Jia Hoon

Hi Everyone ,

After graduation, Chloe approach me and suggest me to learn about financial planning. Throughout the conversation, I realised that it was very important to understand financial planning and start earlier in life.
Her explanation is very detailed and clear, I was enjoy discussing with her and I can felt her passion about her job in the conversation.
She is a very helpful person too. I believe that she will continue to value add her client with her knowledge and professionalism.

Regards,
Jet

Hi Everyone ,

I was referred to Chloe by my colleague. The discussion with her was comfortable and relaxing. She truly understand my situation and giving me different options to plan for my protection. She is patient and not pushy. I’m glad that I have someone like her to service my policies. Will definitely recommend her to all my friends!

Regards,
Amanda Chang

Hi Everyone ,

I met Chloe when I was a single and just started work in Sg. Chloe shared with me the financial planning that normally foreigner and PR will do in Sg. I found it was very meaningful and important so I follow her advices.
Today, I’m a father with a son and a happy family. I’m glad that she never failed to provide her best advice and services to me and my family. Our family is happy with her caring heart and will recommend her to all my friends who is looking for insurance.

Regards,
Alfred Loh

Hi Everyone ,

I knew Chloe since the time I was a single. Now, I have become a mother and my son is already primary 2. I’m glad that Chloe is still around assist me and my family. She always give us different solutions when comes to financial planning and help me to analyse and give me her best advice. She is always genuine in her advice and this is why I recommend her to all my friends around.

Regards,
YaLing

Hi Everyone ,

I met Chloe many years back when the time I just became a father and looking for insurance for my son. Chloe explained to me how important are the insurance coverage for every members of the family and the potentially hefty costs of critical illness.
She listening and understand of my situation and needs. Throughout all the meeting after so many year, she is always responsive and gave me the solutions that suitable for me and my family.
Highly recommended!

Regards,
Zhi Yong

Hi Everyone ,

My sister introduced Chloe to me after she have done her policies review.
The discussion with Chloe was great. She is a very good listener and very patient. Throughout the conversation with her, I learnt the difference kind of protection planning for myself and my family. Now, I have a better understanding of my insurance portfolio.
I’m thankful to meet her and feel grateful to have her to take care of my policies. Would recommend her to all my friends around who is looking for insurance.

Regards,
Yong Family

Hi Everyone ,

My brother introduced Chloe to me when I was looking for insurance for my 2 kids. Through the discussion, she made me aware of how important is the insurance coverages of myself as a father to the family.
She helped me to identify my insurance coverage gap and gave me the solution that I needed for my family.
I will highly recommend her to anyone who is seeking to evaluate their insurance plans and financial goals.

Regards,
Edmund

Hi Everyone ,

Chloe has been my financial consultant since 2014. Never regret! Throughout the years, I found Chloe is very genuine in her approach to understand my perspective and insurance needs. Today, I have all my insurance policies secured under her expertise and also introduce her to my husband.
Jiayou Chloe, your genuine attitude will make you a long run in the business. Looking forward to catch up with you during review.

Regards,
Shuting & Mc (husband and wife)

Hi Everyone ,

My engagement with Chloe was great.
Through the few meeting with her, she always explained everything very clearly to me so that I can understand what is my existing insurance policies and the options that I have and how to enhance it with greater value.
I hope she will continue to jiayou and help more people with her experience and professionalism.
All the best, Chloe!

Regards,
Jenn Low

Hi Everyone ,

Before meeting Chloe, I have no idea what policies I have bought throughout the years. Like most of the people, I was very busy with my daily routine.
By the recommendation of my best friend, I get to know Chloe as she is the one who help my friend a lot and the most patient financial consultant among all her existing financial consultant.
I’m grateful that I met her and knowing that she will help me to take care of all my policies.

Regards,
Jing Wei

Hi Everyone ,

I heard about Chloe from my cousin when she was helping my cousin to settle her hospitalisation claims. I was impressed by her hard work and efficiency. By then, I get to know her to work for my insurance plans too. She was patient in guiding me and I felt assured that she has my best interest at heart.
I am thankful to have her helps and service my policies.
Wish you all the best, Chloe!

Regards,
Evelyn Koh

Hi Everyone ,

I have known Chloe for more than a decade and I’m so glad that my insurances are under her care. She is not only my financial consultant, but also a listening ear who show a caring heart to my life.

She is always genuine with her advice and giving the recommendations that are tailored to my needs and situation.

I have a peace of mind to be under her care. Would recommend her to every friends of mine who are looking for insurance

Regards,
Lijia

A kind soul to my family

Hi Everyone ,

I met Chloe after my ex financial consultant left the industry. At first, I was hesitant to meet someone new to take over to service my policies but after talking I decided to give it a chance as she persisted.

No Regret! Chloe did a good job to review my insurance policies and understood my situation well. She customised the plan for me according to my needs and budget. As a mother, I feel more at ease as I know I have planned well and have someone trusted and reliable to help.

I have also referred her to my husband and family too. Hope she can help more people with her knowledge and professionalism.

Regards,
ChuLing and family

My Reliable Agent

Hi Everyone ,

Chloe came across as a patient and genuine person who is not pushy on selling policies!! She always take times to listening to my needs and clear all my questions in mind.

Throughout the years, she has constantly put in the effort to update me every changes for my policies. I truly appreciate her hard works and have referred her to my husband and friends.

Glad to be under her care. Highly recommended!

Regards,
PeiLing and Colin (Husband and wife)

Meet someone interesting

Hi Everyone,

I knew Chloe when I was pregnant for my first one and seeking for insurance coverage. Chloe has done an excellent job to explain the policy to me. She is patient and make sure that I’m fully understand the range of coverages and benefits for me and my baby.

I have introduced Chloe to my family members too. With her professionalism and sincerity advice, we feel comfortable to working with her and knowing that she will take a good care of us.

Regards,
Yok (A Mother)

A Caring Heart To My Family

Hi Everyone,

I got to know Chloe from my brother many years back. She came across as a sincere & genuine person, different from other approaches I've encountered. That time, I was still single and looking for some coverage for myself. Chloe helped me to review all my existing policies, including my overseas policies and company employees benefits. From there, I have a better understanding about my coverage.
Now, I have become a husband and a father, chloe is still always giving us the best care and update of all my policies.I'm definitely impressed by her hard work & efforts she has put in for my family. RECOMMENDED!

Regards,
Bosco Fong (A happy family)

A sincere friend to me

Hi Everyone ,

我认识 Pei Yi 已经好多年了，她给我的印象很诚恳。不像其他的理财顾问急着卖保险。Pei Yi 会清清楚楚的分析所有的情况和把保单内重要的细节讲给我听，再把合适我的保险介绍给我。我很庆幸认识 Pei Yi, 她对我来说，不但是理财顾问，她也是一位会聆听我心事的朋友。
向Peiyi 买保险我很放心。

Regards,
Ting

A Patient and Responsible Person

Hi Everyone ,

I know Chloe few years back. Since then, I never regret having Chloe as my financial consultant. For the past few years, she has proved herself to be a trustworthy, reliable, responsible, knowledgeable in her profession and never fail to lend a listening ear to me. She’s never pushy that I should get this or that, in fact she took the time to analyse my current situation and make excellent recommendation to what I need at the moment. She is patient and respond to my questions or concerns as soon as she can. Both my husband and me feel very relieve to have her take care of our portfolios and highly recommend her to anyone without hesitation or reservation.

Regards,
Gordon and Faye (husband and wife)

Glad to know Chloe

Hi Everyone ,

I was referred to Chloe through my friend as Chloe was already planning for her financial portfolio. My engagements with Chloe has been extremely positive and I have included my whole family's financial planning under her care.
She is very personable, sincere, and caring not just in her work but in the relationship as well. What I find commendable about Chloe is that she ensures due diligence in her response before putting forth an answer, and taking the effort to stay abreast of my life developments and changes so that her answers and recommendations are tailored to what I need.
Thank you and keep it up Chloe!

Regards,
Pauline (mother)

My Trustworthy Consultant

Hi Everyone ,

During my first meet up with Chloe, I was quite skeptical in the beginning but as with each engagement, this thought diminished. In fact, it had been nothing but positive and enlightening. Chloe is very sincere and professional in her work, yet bringing a touch of next-door-big-sister vibe to unravel all financial queries one might have. I have recommended her to my family member and Chloe extended the same level of professionalism too. I had been with Chloe since the early days and i never looked back.

Regards,
Celine How (Executive)

A Kind Soul To My Family

Hi Everyone,

There was something about Chloe that made me want to listen to her. I honestly never regretted my decision :)

She is a genuine, patient and very organised person. Through the few meetings I had with her, she always explained everything very clearly to me so that I understand the options I have. She never tries to replace my existing plans, but rather, recommend plans to complement my existing plans or what I am lacking.

Chloe always ensures that I am comfortable and never tries to push me out of my comfortable zone. I really appreciate her for that :)

Regards,
Dominic Su and Family

A Friendly and Sincere Consultant

Hi Everyone ,

以前对于保险的概念都是比较模糊的，直到看到朋友分享了自己购买的住院保险之后，向朋友咨询之后朋友向我推荐了Chloe，在我联系Chloe预约了见面之后，Chloe非常有耐心的向我普及了有关于购买保险方面的知识，简洁的话语让我更加容易明白有关于各种保险的类别与作用，并且为我推荐了最适合我的保险产品，真的很幸运能遇到Chloe这么友好、负责且又很专业的理财顾问，非常感谢Chloe。以后也会向身边的认推荐Chloe❤️

Regards,
Ye Lin Swe (executive)

让我很放心的朋友和顾问

Hi Everyone ,

Chloe 的帮忙真的让我很放心！做了她超过8年的顾客，从人生规划到保险理赔，她让我了解了很多保险的观念和好处。
我把身边的朋友也介绍给Chloe后，也得到很好的评价，真的很感谢有 Chloe 的帮忙和建议。真心推荐 💕

Regards,
Shannie Ha (beauty consultant)

A Helpful Big Sister To Me

Hi Everyone ,

I got to know Chloe from a friend.
Chloe is like a big sister to me, who is genuine, patient and a very helpful person. She is very sincere and professional in her work. She will explain me every details clearly and have an answer to all my questions.

I am happy to have Chloe here and I appreciate her for all the help she provided.

Regards,
Jenny Ang (business consultant)

My Reliable Consultant

Hi Everyone ,

Chloe became my financial consultant after my previous Fc resigned.She make an appt with me to go through all my policies.

Dedicated and professional, Chloe is genuinely concerned for my well-being and protection and gave me honest and unbiased advices.

Chloe have been tirelessly updating me and sharing with me how to better manage my policies to maximise protection with the best value.

I count myself lucky to have Chloe as my friend and agent and she comes with my full recommendation.

Regards,
Vanessa Thien

很亲切又专业的保险顾问

Hi Everyone ,

一直很想要了解住院保险，但又不知道要找谁询问，直到我的朋友向我推荐她的保险顾问Chloe 。见了面后，我发现 Chloe 是个有责任感和非常专业的理财顾问，她很有耐心地与我讲解适合我的保单，让我清楚的明白所有问题，真的很谢谢有她的帮忙。非常推荐❤

Regards,
Catherine Yow (beauty consultant)

Chloe Kong

Prudential Executive Financial Consultant | MDRT

Chloe Kong

Prudential Executive Financial Consultant | MDRT

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