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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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!

Jeffrey Wong & Agnes Cheng. Financial Services Director & Manager. Tokio Marine Life Insurance Singapore

Joan came to our premise to go through a training session on how to maximise the use of the Headquarter platform and I found it incredibly useful. She was also patient and lively in imparting to us how it works, and went the extra mile to help us in setting up. Appreciate it. We highly recommend!

Dylan Ng. Financial Advisor. PIAS-Apex Wealth

Joan came to our agency to present and bring us through using the HQ system and we found that she is highly effective in helping us to engage our clients in a more meaningful and interesting way. I think you will not regret meeting her.

Elicia & Team. SP Stanley Fu. AIA

Today we had a fruitful session with Joan on how we can use HQ for our advisory system. Do take the time to listen out to her interesting ideas!

Marcus. Prudential-Pathfinder

Joan came down to our agency to being us through on how to use HQ for our work. We found interesting and useful and I think you'd benefit from it.

Jun Hong. Financial Services Director. Prudential

Joan came to our agency today to do a training on how to use the Headquarter Platform. I found it interesting and refreshing. I think you'd benefit from meeting her and getting to know her too!