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

WhatsApp me at +65 81886955

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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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Caselyn Lee. Senior Financial Consultant. Andrew Chuah Organisation

Joan was helpful to us in giving refreshing ideas & solutions that I found practical and interesting. I really recommend it any salesperson like yourself to adopt this system! Get to know Joan. I think you won't regret it!

Lynette Ng. Financial Consultant. AIA Singapore

I like how during our session with Joan, she was energetic and lively and made it a point to relate to us the benefits of the HQ system's features in an easy-to-understand manner. She's also someone who has our interests at heart when it comes to helping us understand how we can best use the system. Not to mention she's fun-loving & amicable too, and you'd enjoy getting to 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!!

Jimmy Tan. AIA Singapore

I met up with Joan today to review our progress on how we can further enhance our business using the Headquarter platform. Found it refreshing and helpful. We have benefitted from the session. Get to know her soon!

Natalie Choo. Prudential Singapore

Joan came over to share with my team on how we can maximise the usage of HQ for our advisory business. I think you’d have fun meeting her up!

Shimin's Team. AXA Insurance

We had a great time with Joan today learning about HQ and how it could aid in our business. It was an interesting and engaging session and you should take the time to hear her out.