Finding The Silver Lining

Joan Tong

In Touch

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.

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

How to Stay Optimistic During Hard Times

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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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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!!

Adam Ng. Financial Consultant. Great Eastern

I experienced the services of Joan and her company, Headquarter.io, and I found it to be very insightful and refreshing. I'm thrilled to learn more and I believe that you will benefit from getting to know what their client engagement platform can do for you!

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!

Fiona. PIAS

Joan and I met up for a training session and I found it very beneficial and refreshing. It was a nice and awesome session. I like that she is very patient, friendly and approachable and I have gotten a better idea on how I can use HQ more effectively thanks to her sharing. I think you need to hear from her and it will be worth your time.

Eleanor

My team and I met up with Joan today and it was a refreshing session on how HQ can work out for us. You must meet her!

Donna. Senior Financial Planner. Prudential Singapore

Joan is a reliable & effective person in helping people to engage their clients in a more meaningful way. She's also responsible, patient and helpful. You'll enjoy meeting her!