3 Financial Wisdom from a woman with 3B Net Worth

Joan Tong

In Touch

A Monthly Curated Newsletter

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.

The 3 Best Pieces of Financial Wisdom From Oprah Winfrey

From movies to books to TV shows, it seems that everything Oprah touches turns into gold. There's a lot that we can learn from Oprah, so here are her three best pieces of financial wisdom.

How to Create Better Spending Habits

Spending money is a fact of life, albeit one of the fun ones. Another fact of life: How you spend your money is just as important to your financial success as your decision to save or get out of debt.

Financial Advice From KIDS

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Proudly Brought to You I hope you have enjoyed this issue of my InTouch newsletter. Do feel free to contact me if I can be of service to you and your friends
Joan Tong

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Testimonials and Referral Notes

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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.

Joycelyn Phang. MDRT Qualifier 2021. Prudential Singapore

HQ is a great platform / channel for publicity, especially for people like us who need to run their own business. I love the function that it can customize our own birthday cards and make our clients feel privileged as it's something personalised. On top of that, working with Joan is amazing because she is friendly, helpful and dedicated lady. She is always able to assist me on technical works as I’m not good at IT stuffs. Honestly speaking, I can’t live without HQ now, thank you Joan & HQ. I would highly recommend this platform for everyone, 10/10 must try!💯

Wei Shan. Financial Consultant. Great Eastern Life

Joan and I met up this morning for a training session on how to maximise the usage of the HQ platform. She was very engaging in her way of explaining and I think you can benefit from meeting her too!

Donald. Financial Consultant. Prudential

Our agency recently got signed up on the HQ Sales OS and Joan came to our agency to train us. I appreciate how engaging and helpful Joan was in imparting & helping us understand how the system can benefit us. I think it was very useful and refreshing. And would recommend you to get to know learn about HQ from her!

Joan Tong. Heartzmail & Headquarter

We missed Keon Chee, our moderator in this picture. HQ brought together this event with the support of our friends and associates. Bottom from left: Michael Seow, Benny Ong & Allen Lim. Top from left: Zi Lem, Will Ho, Samuel Koh, Joan Tong and David Chee. A massive THANK YOU to all of you for this successful and fruitful event!

Shimin

I like how Joan is patient and reliable, and she is also an insightful and engaging trainer who has our interests at heart when it comes to positioning us well.I'm grateful for her work so far and I highly recommend her and the company HQ!