Guiding Principles and Tips on Taking Charge of Finances in Our Lives

Joan Tong

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A Monthly Curated Newsletter

In a year where many of us are affected and perhaps feel powerless over our incomes amidst a pandemic, it is a good time to take stock of our financial health and confront our feelings about them & the way with deal with them. Whether we are young, middle-aged or senior, here are some important principles & practical tips on money management that we can fall back on which can go a long way into helping us optimise our finances and become financially wiser.

The Richest Man in Babylon by George S. Clason

Save at least 10 percent of everything you earn and do not confuse your necessary expenses with your desires. Work hard to improve your skills and ensure a future income because wealth is the result of a reliable income stream. You cannot arrive at the fullest measure of success until you crush the spirit of procrastination within you.

Are Your Money Beliefs Holding You Back?

According to research performed by Dr. Brad Klontz and Dr. Sonya Britt, professors at Kansas State University, three out of four primary money beliefs (money avoidance, money status, and money worship) are linked to potentially destructive financial behaviors. For example, these patterns of money beliefs have been associated with having lower levels of net worth, lower income, and higher amounts of revolving credit.

Freedom from the money culture | Lynne Twist | TEDxBerkeley

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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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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!

Wei Shan. Financial Consultant. Great Eastern Life

Joan and I met up this morning for a training session on how to maximise the usage of the HQ platform. She was very engaging in her way of explaining and I think you can benefit from meeting her too!

Rossellini & Emelyn. Senior FCs. Eminence Group

We got to know HQ services thanks to our colleagues who got signed up lately for the refreshing features and reminder functions that they had to offer for our work processes. We think it's worth exploring and finding out more from Joan and her team on how it can be beneficial for your business! And thank you Joan for the session and for taking the time to bring us through on how we can use and maximise the HQ system! It was easy to understand and useful. All the best!

Hup Song. Financial Consultant. SP Group

My colleague and I met up with Joan for a session on how best to use and maximise the Headquarter client engagement platform. We found it useful and refreshing and I feel that she's someone you should meet! You won't regret it!

Ivy. Executive Financial Consultant. Prudential

Joan’s bubbly and helpful nature is an asset as she is able to connect and relate well with people. It’s a pleasure working with her! Not only that, she is also someone who is detailed, listens intently, and is conscientious. Even after-sales, she is all about making sure that we FCs like us make the best out of the system and services that her company provides and not let our investment go to waste. Appreciate your time and work very much Joan! All the best!!

Aderline. Financial Consultant. CO Wealth Advisory

A few of my colleagues met up with Joan for a session and we found her to be helpful and professional. She also did not hesitate to give us ideas, tips, insights and inspiration in which we found applicable. So it you're in the sales line, do get to connect with Joan and check out this cool HQ platform!