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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.

 
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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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DISCLAIMER

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

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Testimonials and Referral Notes

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Charlene. Wealth Strategist. DRF

Joan is a helpful person who aids in my understanding of the system. She is good at articulating and illustrating how best we can use the system in our workflow. I found it useful and interesting meeting up and getting to know her. You'd enjoy meeting her too!

Patrick Chang. SimplyWills

I just met up with Joan today on how HQ could add value to our outreach process. She has shared with me some interesting ideas to explore and I believe that you’ll learn something useful from meeting up with her.

Julia Seehoo & Jenney Mah. Darien Agency. AIA Singapore

Thank you Joan for your patience in guiding us on the HQ application. Your bubbly & smiley nature goes a long way in helping in our understanding. We learnt alot especially when you "go the extra mile" 🙏😇 It was a wonderful session - we are encouraged to do hands-on on the software!

Jaslyn Ng. Financial Services Director. Top of The Table. Prudential Singapore

Joan is a helpful, engaging and enthusiastic trainer who has our interests at heart when it comes to positioning us well. She takes effort to educate & show us clearly how their system can work for us. Not only that, I also found the Headquarter system very comprehensive and user-friendly in delivering touchpoints to our customers. I'm thankful for her work and her team so far and I highly recommend her & the company HQ!

Bernard Pang. Apex. NTUC Income

Joan came over to our office to help us get started on using their Sales OS. She is passionate about her area of work and in helping us, and I thought it was very useful and engaging. I think you will enjoy getting to know her too! Thank you Joan!

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!