Habits & Decisions That Compound

Panny Pang Chai Yin

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A Monthly Curated Newsletter

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.

7 tips to get healthy habits to stick without getting stressed

Change for the better is a process. Like training for a marathon or learning a new language, improving your wellbeing has to be approached realistically and progressively to work. So sure, you won’t get results overnight, but over time small gains add up. The trick is sticking with it long enough that the new habits you want to incorporate into your day-to-day become automatic..

9 Good Money Habits You Can Form

While you may have ambitious money goals, the key to reaching them is building a collection of smaller everyday habits. By taking baby steps that become second nature over time, you’ll hopefully be able to improve your financial situation. Here are some small habits you can develop today that may help your money grow.

How to Be Happy – 7 Habits of Happy People

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Panny Pang Chai Yin

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Testimonials and Referral Notes

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理财夫人彩羿

前人种树，后人遮荫，一家人享受天伦之乐需要稳定的经济来源，把可预期和不可预期的风险转嫁保险公司，提供家庭一辈子的幸福保护罩，让理财夫人彩羿帮你轻松理财，让未来充满希望。

Jaslyn

Im Jaslyn from malaysia.im HR assistant.. when i was 28 years old, i was diagnosed breast cancer stage 4. Definitely feeling upset, hopeless and cant believe that i have cancer in this age group. However, there is no choice and only way to survive is to receive treatment. Fortunately, i have met panny a year ago before i was diagnosed cancer. Panny is the one who recommended a suitable insurance plan for me if not the cancer treatment fee which i cant afford at all at singapore. The fee is more than the salary i earned per month. From my opinion, there is no such thing "im still young so don't need buy insurance", im the good example so everyone please have your insurance for rainy day. Hope my personal experience inspires you all. Insurance is important! Panny is definitely an insurance agent you can be reliable and responsible to every customer need!

Xin Yun

Panny非常熱心，雖然我們總是在非上班時間聯絡她、尋求她的解答，她也會不辭勞苦地幫我們做各種計算，也會經常提醒我們需要注意的各種事項。

Sasa Ng

I am impressed by her professionalism and so appreciate her dedication to making sure I have the very finest service possible. She is truly to be commended for the outstanding job she did. I am truly grateful. I would highly recommend her to everyone who is in need. Thank you ❤️

Kok Yit

I'm happy with Ms. Panny services provided. She is very friendly and helpful to address my needs. Thumbs up for the good services.

Lim Zheng Hee

我是透過同事認識Panny的。剛好當時我有想買保險的念頭，便嘗試聯絡Panny。很快地，我們便訂好了線上會面的時間，Panny準時出現，並詳細地介紹了不同配套的保險，加上她個人經驗的分享和分析，讓我抉擇出最適合目前的自己的保險。有了保險，我感覺未來更有保障了，謝謝。