Guiding Principles and Tips on Taking Charge of Finances in Our Lives

Joan Tong

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A Monthly Curated Newsletter

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.

The Richest Man in Babylon by George S. Clason

Save at least 10 percent of everything you earn and do not confuse your necessary expenses with your desires. Work hard to improve your skills and ensure a future income because wealth is the result of a reliable income stream. You cannot arrive at the fullest measure of success until you crush the spirit of procrastination within you.

Are Your Money Beliefs Holding You Back?

According to research performed by Dr. Brad Klontz and Dr. Sonya Britt, professors at Kansas State University, three out of four primary money beliefs (money avoidance, money status, and money worship) are linked to potentially destructive financial behaviors. For example, these patterns of money beliefs have been associated with having lower levels of net worth, lower income, and higher amounts of revolving credit.

Freedom from the money culture | Lynne Twist | TEDxBerkeley

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Proudly Brought to You 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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Testimonials and Referral Notes

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Cassie Xu. Financial Services Consultant. NTUC Income

Joan came to our office premise to conduct a session on how best to maximise the use of the client engagement platform, Headquarter. I found it very useful and it was fun. I think you'd enjoy getting to know her!

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.

Vanessa Low. Associate Financial Consultant. Prudential

Joan is very adept at explaining how the system works and she's good at demonstrating we can maximise the HQ system. We found the session to be insightful and practical and I highly recommend any salesperson out there to adopt this system.

Ivy. Executive Financial Consultant. Prudential

Joan’s bubbly and helpful nature is an asset as she is able to connect and relate well with people. It’s a pleasure working with her! Not only that, she is also someone who is detailed, listens intently, and is conscientious. Even after-sales, she is all about making sure that we FCs like us make the best out of the system and services that her company provides and not let our investment go to waste. Appreciate your time and work very much Joan! All the best!!

Yixiang. Credence Group. Great Eastern Life

Today Joan came over to our agency to demonstrate to us how HQ can be of value to our advisory system. We learnt quite a bit. You need hear from her!

Christine Tan. Prudential. GNK Group

Joan and I met up today for a refresher training session. I found it very useful and I think that you will not regret getting to know her for your own work purposes.