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Joan Tong

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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.

 
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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

 
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How to Stay Optimistic During Hard Times

 
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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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David Chua. Financial Services Director. AIA-SP Affluence

Joan came to do a training for our group and we found it incredibly useful and insightful. I think anyone in Sales can definitely from this system!

Derek Chong. SP Group. Prudential.

Today Joan came to do a hands-on training on the HQ platform for our group. I found it very useful and engaging. I think you'd have fun and enjoy meeting her up :)

Colin Choo. PropNex Singapore

Recently Joan showed me the power of the HQ system. I think you'd be interested in finding out more. After sign up, your sales will skyrocket.

Yi Hui. Financial Consultant. Prudential Singapore

In the training conducted by Joan, she was effective, helpful & generous in sharing ideas that I found practical and useful. The HQ system is one system to check out as it is interesting and relevant, and I think anyone in the sales industry can benefit greatly!

Bee Ling. Master Financial Consultant. Prudential

I met up with Joan for a Refresher Session and I found her to be effective and engaging in imparting to me how HQ can be harnessed for my benefit. The time spent with her to clarify my doubts and questions on HQ was worth it as she guided me along. It was fun being around her too. Do get in touch with her and I think you'd find it useful!

Lucky Lim. AIA Financial Advisers

Today I met up with Joan for a Refresher Session and I found it useful and valuable in helping my business. I think it’s worth for you to explore and learn more about this Headquarter system.