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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Charlene. Wealth Strategist. DRF

Joan is a helpful person who aids in my understanding of the system. She is good at articulating and illustrating how best we can use the system in our workflow. I found it useful and interesting meeting up and getting to know her. You'd enjoy meeting her too!

Jorene. AIA Strategic Alliance

I met up with Joan today for a session on how HQ can be used effectively for our financial advisory process in our team. I think it was beneficial and I believe you'd find it useful too.

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!

Alex Chong & Winson Ng. Financial Services Director & Financial Services Manager. AIA Singapore

Joan is someone who is passionate and energetic, and cares deeply about the progress of clients and users like us. She is also bubbly and approachable, and is good at what she does. In spite of our busy schedules, she was very patient and on-the-ball with her follow-ups and took time to catch up with us on-site, which we appreciate. Her training is clear, and we found the HQ platform to be user-friendly and easy to understand. Thank you Joan and HQ! Highly recommended.

Gagi Lee. Financial Consultant. Prudential Singapore

I found Joan to be an effective and bubbly person who makes it her duty to help people like me to engage our clients in a more fun and engaging manner. Thanks Joan & HQ!!

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!!