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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This newsletter is not representative of the views of the company.

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Testimonials and Referral Notes

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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!

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!

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!!

Samuel Wong. Financial Services Manager. Perennial Alliance. Great Eastern Life

We first had Joan come down to our premise to do a training with us on how to use the Headquarter platform. It was interesting induction session. Beyond that, she is also responsive and helpful and does her best to deliver whenever we need assistance and advise on how best we can use the system. I would like to thank Joan and her team for their continued support and dedication. Looking forward to working towards boosting and empowering our advisory system to the next level! 💪🏻😉💪🏻 Cheers!

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!

Alice Phua. Michael Seow & Associates

It was wonderful having Joan here with us to share and refresh my memory about the HQ platform. She was engaging and I found the hands-on approach effective in aiding our learning. She is also helpful and attentive to my needs - helping me to brainstorm ideas and giving suggestions on how my services could be marketed. Truly appreciate her work. Keep it up, Joan!