Panny Pang Chai Yin

Prudential Executive Financial Consultant

Panny Pang Chai Yin

Prudential Executive Financial Consultant

🌈以诚待人，以毅处事🌈

Hi I’m Panny! 我是彩羿^^

I am mother of two ,one toddler & 1 baby

🌞My story🌞

I come from Accounting background, but after graduated, I joined SIA as a cabin crew before I embarked my career in Prudential as a financial consultant.

During my journey in SIA, I’ve found myself enjoying deliver good service with sincerity and paying attention in small details. This experience shaped me to a better understanding person to address people’s needs.

I am Mrs Singapore World 2023. I am blessed that there are many people trusted me and support me in my journey to become a better person who empower people and able to make positive impact to the society.

🌞My belief🌞

My principle is to help my clients in financial planning holistically, just like how I do it for myself and my family. The key is to be down to earth, so that the financial dream will come true. People with goals succeed, because they know where they are going. I am assisting people to reach their destinations safely and early.

🌞My work🌞

In this career, to works closely with people, listening and understanding are my first priorities before anything’s else. Putting your interest before me is what differentiates me from others. Just like you, I like to use minimal resources to achieve my goals ,I know how important is this because I’m also consumer too.

Do you have a professional financial consultant? If not, I will be delighted to meet you to discuss your financial planning process. Let’s grow together for different life stages !click whatapps icon to connect with me!

With love,❤️
Panny 彩燕
Representing Prudential Assurance Company
Singapore (Pte) Ltd
Reg. No. 199002477Z

#GrowthwithPanny
#Wortheverypenny

MAS issued Rep. No. PCY300005241
email: pannypangcy@pruadviser.com.sg

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

297/08Apr22

Work
- Prudential Assurance Company Singapore (Pte) Ltd
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

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Hi 所有人,

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。

Regards,
理财夫人彩羿

Insurance is important!

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!

Jaslyn

I enjoy her Service!

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。

Xin Yun

Meet someone interesting

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 ❤️

Sasa Ng

Meet someone interesting

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

Kok Yit

Meet someone interesting

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。

Lim Zheng Hee

Meet someone interesting

Panny provides a professional and clear-cut explanation during our zoom conversation. Why say so…
In first, I don’t have much knowledges in term of financial analysis, but she very patient to guide and
give the scenarios so that easy to follow her pace (step by step) to understand what I suppose to plan
for my own future.
Her follow up action and response capability is quite prompt and effective, you won’t be lost throughout
the entire conversation. Highly recommended.
Appreciate it!

Khee Jiuh 32 Builder

Meet someone interesting

I like the way you serve and it’s awesome! Went above and beyond to give me the best quote possible. I have never experienced such hard work in keeping me and my family protected for a low price. Would highly recommend you to everyone I know in Singapore. 👍

Allen Lim

A Twin Brother

Very professional and patient in explaining the different policies and solutions. Can tell that she really cares for her clients from the insights she has shared during our meeting. Through her, we learnt a lot more about risk management and we are very thankful for her services!

Dallas and Dillon

Thanks to Panny

She's someone who would offer to help review your policy and sharing her opinion and highlight the points of concern to be take note for during the changes to different stage of life.
She's cheerful and straight to the point in giving advise~ she's someone comfortable to talk to, and she's willing to share her knowledge especially in policies review. She's filled with passion to reach out for more and to be able to share more of what she knows to more people.

Nicole
34
lovely mother of 1

Exceptional service from Panny

I just want to commend Panny for her exceptional service that she's doing for her clients.Panny is very prompt answering my questions and concerns and she posses excellent knowledge to get matters resolve quickly. You have a winner's attitude in Panny and I appreciate that she takes her clients' need seriously. My first contact with Panny was 3/2022 and I can honestly say that she has been a pleasant and a knowledgeable agent to work with. If she didn't have an answer for my questions at the time she made sure she called me back or WhatsApp the information that I needed. Thank you for having her working for me. I very rarely get the wonderful service she provides from anyone else.

Alex
A father
A husband
A father

Excellent Financial Consultant Friend

Professional, sincere and determined. These are the top things that come to mind with Panny as a Financial planner/consultant, as well as a friend. She is personal touching and caring when doing the financial planning with us.

Panny is well equipped with all the knowledge of her products and she is able to answer our nasty questions patiently. I would recommend Panny as your financial planning consultant if you still do not have one or you need another point of view on your portfolio.

Ted
IT specialist

She is professional and sincere!

Thanks Panny Pang for spending her time almost 2 hours to review my own existing insurance policy.
She is well prepared with PPT slide and explained to me very detailed and easy to understand.
She never hard sell me any insurance products but instead she light me up with the awareness of how important is the financial protection to a person.
Before her review session, I have never realised I have a critical shortfall in my existing insurance policy until Panny telling about it, if you are wondering what have she discovered, please do not hesitate to pm her, her intention is create your awareness.

Yew Joe
Engineer

应该早点认识你

Panny, 谢谢你详细且耐心的分析讲解给我听，让我更深入了解保险。你让我感觉你很贴心，一开始不会硬推销 ,反而先了解我的财务状况然后再为我搭配最适合我的保障。你的专业让我无顾虑的，放心买下这份保险。
你让我感觉你的初心是要帮助人得到更好的保障，而不是在做推销。
谢谢你如此的细心与体贴，你绝对是个好保险经纪。加油噢😊😊😊

Vinnie
Manager

我选彩燕～因为我相信她

彩燕，一个从小就认识的朋友。
她就是一位很有毅力,为自己设定目标 ,然后会很努力往目标前进。
从以前成为空姐到后来为了家庭转换跑道，挺着大肚子踏入理财规划这个行业，这些靠得都是她的毅力跟努力。
虽然是这样但她在理财投资方面绝对不是为了自己而不断推销或者逼你签保单的理财顾问。
她会先了解你现阶段的规划，然后customize适合你的保单。就算不谈保险，她也会跟你分享很多生活上有用的资讯。
对生活跟工作都很有热忱的她，绝对是一位值得信赖的朋友/理财顾问！

春美
33
旅游爱好者

Someone will really listen & understand

After finish my first online discussion with Panny, I would said that she is a cheerful, friendly and always take pride in her work. She is professional whereby only recommend those insurance plan that suit my family needs and budget. If you are looking someone whom you can trust with, I will definitely recommend her as she will listen to your needs and give you recommendations!

Mitchell
33
Working professional

A sincere girl

I have known Panny for 10 years. She came across as a sincere girl who is truly passionate about her profession – Financial Planning.

This is clearly evident from the way her plans and manages her own financial/insurance plan. As everyone’s needs and wants are different, she will analyse each case and plan or advise for them as if she would have plan for herself.

Her advice for me is always candid and realistic. I have come across many financial planners yet Panny is the only one I know so far who regularly keeps me up to date with the changes in the financial and insurance industry.

To date I have recommended a couple of friends to her and they have positive feedback on her attitude and professional image. It is very important to me who I recommend for financial planning especially where money is concern and Panny has never failed me in this aspect.

Panny is also someone who truly believes in keeping regular contacts with her clients. With benefits such as “new year surprise box”. She is indeed a sweet and thoughtful person. To me personally, financial and insurance products are tools to achieve my financial needs.

But, without a good financial planner, I will never be able to know what products I need and the way to achieve my goals. I have 100% trust that Panny is able to assist me in this aspect.

Yann
33
Accountant

让我安心的代理，专业的Panny

在新加坡工作六年多了, 一直想为自己买份保险, 但迟迟都没找到个可靠的代理。通过朋友推荐认识了Panny，她在了解我的财务状况及需求后，在我能力所及下为我搭配了最适合我的保障，也一直很有耐心地分析保单内容，解答我这个问题宝宝的所有问题。

Panny让性格很多虑的我在与她认识的短短两天内就把保单签成了，因为她的专业，让我感到很安心♥️

Jasine
28

She is someone who will put herself in other’s shoes

From the entire session with Panny, I understand the minimum protection that everyone should have & I realised how important financial protection is in our entire life.

All the information was well presented and explained very well. She was very professional and the entire sharing session was informative.

Panny shared a lot of useful information and tried to understand the customer's needs. I didn't feel stressed during the sharing session with Panny. i.e. she won't keep promoting her products just because want to get personal benefit. She tried to understand the needs of the customer and put herself in someone's shoes. She tried her best to suit and solve the customer's needs.

It's important to know more about the financial protection that is available and affordable rather than zero financial protection. In case of an unfortunate event, life continues, and so do these quintessential expenses. So everyone should have at least minimum financial protection which is affordable.

Jason
32
Auditor

Truly recommend her service

I first cross path with Panny in a roadshow (or those set up) while I was buying lunch and she was really nice sharing her name card and not pushy at all.

At that time, I had thoughts of buying insurance but I did not really have the budget to do so because everytime I met up with a insurance agent, they miraculously set their goal to sell you the entire package instead of considering your personal financial health.

I think sometime later I found Panny's name card and decided to speak with her, she really take time to plan with me while understanding/caring for my financial health too. Not pushy at all...as much as we all would like the security but many times people cannot afford it.

Somehow this agent which is more like a sister/friend to me and she has been the sweetest managing all my insurance even helping me out with some unrelated to insurance issues which I am forever grateful.

Jesslyn

She willing to listen and understand me first 👍

Panny is very patient and willing spend time to explain the details with me. She show me examples and recommendations with calculations, with her professionalism. She is friendly, she is always with smile during our connection 😁

She engaged me in a conversation as friend, listen and understand my background and situation and make suggestions according to my needs 👍🏻

After engaging her for risk management advise ,I know that my family and myself now are well covered than before. I understand better the existing insurance that I have and the additional coverage that she inspired me to take up for my beloved family.
😉

Karl Loo
35
Account manager
Father of a lovely boy

找保险销售员？对不起，你要找的人不是彩燕

彩燕，我的人寿保险顾问。如果你在寻找保险销售员，对不起，你要找的人不是彩燕。因为她不做销售，她是 “寿险购物助理“。对，她不做推销；却能够帮助你认购最适合你的、或专门为你客制的寿险。
我个人是个比较特别的案例，我被公司从马来西亚派来新加坡工作，为期可能一年，或更长，不确定。所以我不想在这里承担太长期的保费。她非常耐心的帮我寻找合适的方案，过程中也帮我购买合适的医药卡。最后，花了 5 个月时间，我们成功找到了最佳方案，可以最大利益化我个人的寿险保障。
如果你也想知道如何可以利用五年的努力，换取未来直到 100 岁的安心，彩燕会耐心为你解答。

Dave
34
鬼才梦想工匠
IT specialist

一个可靠的朋友

彩燕是个有耐心，会聆听我讲话的朋友，会根据个人财经状况和需求推荐保险，不像之前的经历，看到agent会反感，会想跑。她不会强迫别人买保险，但她会给你对你最好的建议，不一定非要跟她买，但有需要的话，一定要给她机会跟你聊聊。她不仅是一个可靠的，专业的agent，也是一个健谈的朋友。

雪莉
32
仓库助理

很赞！

以前遇到其他的保险agent，总觉得很烦和啰嗦，很担心会购买到不适合自己的昂贵保单。我们很幸运能遇见Panny。她是个会依照我们的经济能力而推荐适合我们的保单计划，有不了解的地方也会耐心讲解直到我们明白为止。为人亲切以及她的服务态度让我觉得很赞!

Mr Poon & Fanny

Panny 做到了！👏

Panny是我觉得很努力➕很有耐心➕非常真诚的顾问😊

很多时候当我们听到对方是保险顾问/理财顾问😨...
我们会有种想要避君三舍的感觉...
但亲切➕愿意聆听➕时刻愿意站在我们角度为我们分析规划的顾问，真的很少...
但是Panny做到了👏🏻

所以Panny绝对是个能够被信赖的顾问——能够时刻让我们问得省心，买得安心👍🏻

谢谢你，Panny，加油💪🏻

Polin
32
自由业者

愿意聆听与尊重他人

很多人会抗拒谈死亡、意外与疾病。很多人也会抗拒保险，也许是个人经历或是一种成见。现今社会，个人未来的财务规划和保险几乎密不可分了。

其实我也是有过不好的保险采购经验，重点问题出在遇到不专业且不负责任的保险业务员。年纪渐长，自然会担心危机处理的问题，毕竟一人紧系家人、爱人……人没万一无所谓，有个万一如何留爱不留债才是关键。

在大马本身也曾从事保险业，来到新加坡工作后，国情不同，自然需要更深入的了解与分析。这个时候，弟媳彩燕给我很全面的介绍，让我了解相关保险配套。对于比较门外汉的顾客，彩燕也会尽力说明清楚，政府相关条例，公共与私人住院等问题都会耐心解释。

另外，各个保险配套的与利弊，她也会因为我的收入与未来规划等需求进行分析。在了解保单的过程中，也会发现自己的感受与关注点受到尊重。

彩燕不会极力推销不适合的保单，而是依据个人状况做出明确浅白的分析，这就是一个称职保险业务员应有的态度与专业。你可能会取笑说，因为是自己的弟媳才这么推荐。我觉得举贤不避亲，我肯定在保险的专业上，彩燕绝对是值得信任的对象。

聆听要点与深入分析是彩燕最大的优点，这正是需要保险与财务规划的你我最需要的特质。如果你对于保险毫无头绪，她也愿意了解你的想法，建议你最适合的配套。

彩燕不介意你货比三家，热心的提供她所了解的一切，若是有她没法给出最佳解答的相关疑问，她也不会含糊带过，反而是再三确认后再给予负责任的答案，让人放心。

我再说一次「举贤不避亲」，再次推荐弟媳彩燕成为你保险与财务规划的良伴。

赞辉
36
讲师

见证Panny的部份成长

Panny，一個不算認識很久的人，就從她是空姐到她成家變人妻，榮升一位媽媽再變成現在一位優秀的保險經紀人。

一個特別努力的人⋯她說過以前剛當空姐時候的英文不好，之後將勤補拙的到現在能說出一口流利的英文。

每一位成功者都有一個開始，勇於開始，才能找到成功的路。她也不例外，從一個對保險毫無觀念的人一直努力學習上課到現在已經有不錯的成績⋯成為很多人眼裡善良，細心，負責任，稱職的保險經紀人！

最有效的資本是我們的信譽，它24小時不停的為我們工作！所以我希望妳可以一直保持這樣的態度，為更多的人服務～

Cherub
37
爱好旅行者

努力的Panny

我个人觉得Panny是个特别努力的人。看到你的面书/Insta,可以看得出你总是设目标并尽全力完成它。你也喜欢帮助它人，总是很愿意分享自己的经验给与身边的人。除此之外，我觉得你也很健谈。还记得有一次你还在lift里面跟一个不认识的家人聊起天来。是个很容易相处的人。

我会相信你的原因主要是第一我觉得你不会hard sell。也会先了解客户的需求以及情况才开始推荐保单。第二，不管我们有任何的问题，你都会很有耐心的解答。至于你不是很会的，你也不会随便给答案，而是会find out那个答案才解答我们。

努力很重要，也相信你也选择你觉得最适合你的道路。希望你可以因为你的努力而达到你所要的生活模式。但不要因为操劳而忽略了一些生活的细节，相信你会做到更好

Timothy
32
创业家

值得信任的Panny

感谢Panny，一位真诚且为顾客着想的agent。
由于对保险认识不多，总是一直反复的提问，还有一些琐碎的问题，Panny都很耐心的解答，并一步一步的引导我完成。她还会时不时提醒我一些细节问题。和她相处很舒服，没有负担。
她可以仔细的分析顾客的保障需求，并且做出具体的保单内容比较。对于顾客的长远规划提供实际建议，也乐于分享相关知识与经验。
她专业和认真的态度是有目共睹的，她的专业与个性让顾客很放心，是一位很值得信任的agent！

慧伦
36
教育工作者

细心，体贴和负责任的Panny

Panny, 我的保诚保险经纪
她是一位非常负责任的经纪兼老友。
每当我不明白保险的细节时，她会耐心的解释清楚保险里的每一个条约。我也很喜欢Panny提供的财务规划服务（重点是免费的。。哈哈）Panny会以我现在的财务状况，基于我本身最适合的财务投资建议。在那个过程，我也获益不浅。她时不时也会更新我保险界里最新的消息，这样子身为顾客的我可以确保自身的利益。
再一次证明Panny是一位非常细心，体贴及负责人的经纪。

凯宏
34
会计师

为顾客着想的Panny

因为疫情的影响，也不能顺通的来回马来西亚。就决定买一份意外保险。

本人也是第一次在sg买意外保险，庆幸让我遇到了Panny，Panny为人热情，友善总是换位思考，为顾客着想。

意外总是会发生，在今年的三月尾，本人在运动时不小心拉伤了大腿肌肉，然后就去看了医生，幸亏买了这保险，它让我索赔得到了这一次的医药费。不然真的会赔了夫人又折兵。

最后还是要感谢Panny和 Prudential，让我感觉买保险的重要性！！

Joe
30
Hairstylist

Competent and Personable

I met Panny to discuss my options on life insurance and found her to be competent and personable. She was able to explain things in a simple and concise manner for me to understand. I have found her to be diligent in her work. On a more personal front, she has a great personality as well. Her frank and forthright nature makes her suited for her current role as a financial advisor. I am confident that she will be an asset to anyone looking to plan out their financial future and will recommend her to my friends.

Bella
26
Administration personnel

细心的Panny

Panny很一位很friendly，很有责任和耐心的agent.从了解到签保单的过程中，Panny都很细心的推荐适合我自己的plan，也不强推我买其他plan.感恩缘分让我在FB群组找到一个像朋友的agent😜我真心觉得你是一个很积极，用功，有责任感的agent.此外，你也像大姐姐一样给了我保险以外的知识.希望你的努力让更多人发现你，加油💕

XinYi
26
Administration assistant

Positive and energetic person

Panny is friendly and professional. She is a good listener too.

After she understand my finance status and advise a suitable insurance plan to me within my budget. I feel more secure especially in my medical expenses part.

I wish Panny success in her career and continue to help more people get better and suitable insurance plan.

Tuck Wai
37
Chef

温柔的Panny

Hi Panny!
很感激的可以认识到你，20/04 我们初次见面，可能是我们年龄都一样让我很安心的跟你交谈而不抗拒，也谢谢你的温柔肯做我的聆听者。

也很谢谢你的宝贵意见和你的知识愿意跟我分享……和很仔细的指出我的问题所在和财务状况让我🈶️机会的改变变的更好.....

也很安心的在新加坡打工也可以🉐️到安全的保障，可以不必担心如果有意外🤕让我们担忧以后的生活状态……

最后想要告诉你真的很高兴认识你(Panny)希望我们以后都可以一起努力奋斗(互相帮助)让我们可以和自己深爱的人和家人可以过上安稳的好日子😜😜

Kenny Yew 🤗
33
Chef

真诚的理财顾问

Panny 给人的感觉很舒服，会根据我们的现状给于专业的建议，但也会尊重我们的意见，不会急於签单。这些特质也让我们相信她，让她成为我们的理财顾问。

Panny 谢谢你! 加油!

Steven, 43, Lecturer

Yes, I’m in trouble.

For most of the time, I thought I have sufficient coverage until I met Panny. Her explanation gave me a clearer picture of my financial situation.

What I like about Panny is she "cares". Not from the business perspective, but the sincerity to help you with your future financial planning.

Many of us do not aware including myself, as we move to a different stage of life, our responsibility and risk became higher. I have done my financial planning years ago. But as you have family & children, your financial planning needs to be upgraded to match those changes.

Thanks to your close follow-up and review, it gives me a wake-up call before it's too late. Thumbs up to Panny.

David, 33, Entrepreneur

理财顾问- 彩燕

Panny 是个很有耐心也很专业的顾问，她会很细心的解答我的所有疑问。她抱着热于助人的心态给我讲解适合我的保单，也很尊重我的意见。我会让她成为我的私人顾问是因为她是一个很有责任感的顾问，也提供了很多额外的知识让我更加了解自己需要什么样的配套。我很敬佩她怀着宝宝还很努力不断自我加油与增值自己，总让人觉得很积极很乐观的一个人。会带给身边的人慢慢正能量的人。值得让人学习。

Lisa, 33, designer

Make sure you are well covered

Sometimes you may think you are well covered, but the fact is you are may only well covered “at the moment”.

When you advancing in your career and getting more and more life events, you need some one to review you current coverage and suggestion to wealth management direction.

Panny is certainly doing well in helping me to transfer my risk with minimum cost and manage my additional cash balance to a safer place to grow and accumulate.

Ho Chan
Father of one adorable girl

真诚的Agent

Panny很真诚，也愿意帮助你解决你的问题
我们从一开始到签单之前面对了一些状况，因为Panny 的态度而愿意相信她，她这个特质让我最舒服。Panny 加油，我相信成功会留给努力的人。

San

Cheerful Panny

Panny is a very impressive and profesional financial consultant in which she really understand my needs first before recommend me solution.
I knew her when she was in her flying career.She is a positive, cheerful person and takes her job very seriously.

Sean

Passionate Women

I know Panny since kindergarten.
She is very hardworking, capable and multitask women and even now a very powerful young mummy of one daughter.

She very passionate of her own career regardless of what aspect & always care for her sourrounding friends and family. When just start her career as financial consultant, she already arrange a meet up with me to understand and analyse my financial background .However, I did not pass my portfolio to her because I have my own insurance agent follow up.

Time flies ~
Now she is my agent and i don't have to worry my policy as she will follow up closely and update me if any updates / benefit available. Truely remommend Panny as your finacial consultant and her professional will helps alot in your planning

Ka Yee

Very Sincere & Hardworking Panny

Thanks to Panny for her initiative to always keep us updated on the changes in insurance coverage/policies. She is knowledgeable and able to provide the support we wanted. Kudos to her!

Wen Ping & Chew Yen
Family of 4

Everyone especially young parents

Hi Everyone especially young parents,

Panny is a consultant with a delicate mind, thoughtful, kind and willing to spend time to understand the current conditions even it might not under her responsibility or coverage.

Panny will propose whatever is or might suitable, share the pros and cons if we consider the plan. Which i felt it is different from other which I meet before, only share the pros and pushing on the deal.

On top of that, Panny always concern about the progress of my health condition after she been informed I went for ENT consultation. It might be part of her duty, but the way of approach makes me feel warm and comfortable.

For me, consultant should be someone who knows to take care the client conditions, share the updated information or knowledge, share pros and cons of certain decision, help to find out solutions or help to find out actual information for those she is not strong in. On top of that, it is fine that consultant doesn’t know everything, but she must spend effort to find out, which Panny handle things in this way.

Truly appreciate her advices and help so far, feel lucky to meet such consultant.

Regards,
Chloe

Panny Pang Chai Yin

Prudential Executive Financial Consultant

Panny Pang Chai Yin

Prudential Executive Financial Consultant

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找保险销售员？对不起，你要找的人不是彩燕

细心，体贴和负责任的Panny