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Joan Tong

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A Monthly Curated Newsletter

As the world enters a recession, the upcoming year can pose a challenge for many due to increasing economic uncertainty, and the natural fears surrounding it. In this issue, we look at some trends and possible actions that can help us become more emotionally and financially resilient to not just ride out the challenges, but rise above them. I hope this gives us hope.

How to Be Happy in a Recession

Recession begets misery, which makes for more economic bad times. You naturally make the pattern worse by following your loss-aversion instincts. Although you probably can’t break the global economy out of this feedback loop, you can break yourself out of it. Start with the following three practices.

 
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Here are 8 ways to bulletproof your finances ahead of a likely recession in 2023

5 personal finance experts here give tips on how to protect your finances. Their recommendations include building up an emergency fund, trimming your regular spending and up-skilling

 
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How to Stay Optimistic During Hard Times

 
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I seek to reach out to people who believe in safeguarding the interests of their loved ones. Let me know if I can be of help to someone you know or care about. We can make a difference to lives when it matters most. Cheers.
 
Joan Tong
 
 
 
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This newsletter is not representative of the views of the company.

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Testimonials and Referral Notes

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Frederick. Senior Financial Consultant. Great Eastern Financial Advisers

Joan is an interesting trainer who makes the session engaging and fun. She shares ideas that work and I found practical and has utility. Get to know this system and to connect with her!

Corlissa Ling. Financial Consultant. AIA Singapore

When Joan came to our agency to do a training, I liked that she was very comprehensive in covering what we needed to know. It was an easy to follow and fun session overall. She's also an approachable person. Thanks Joan & HQ!

Corinne Teo. Prudential Singapore

Today Joan came over to bring us through on how we can use HQ for our benefit in our workflow system. Found it interesting and useful. You should hear from her!

Bernard Pang. Apex. NTUC Income

Joan came over to our office to help us get started on using their Sales OS. She is passionate about her area of work and in helping us, and I thought it was very useful and engaging. I think you will enjoy getting to know her too! Thank you Joan!

Jasmine Wu. Executive Financial Consultant. Prudential Singapore

Joan is a passionate & helpful individual who cares about positioning users like myself well to clients, especially in terms of client acquisition and retention. She's also good at breaking down the steps on what we can do to make the best out of the platform and shares tips that work. She's fun & humorous too, which makes her great to be around with anytime!

Dylan Ng. Financial Advisor. PIAS-Apex Wealth

Joan came to our agency to present and bring us through using the HQ system and we found that she is highly effective in helping us to engage our clients in a more meaningful and interesting way. I think you will not regret meeting her.