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Joan Tong

In Touch

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.

 
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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.

 
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Freedom from the money culture | Lynne Twist | TEDxBerkeley

 
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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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Testimonials and Referral Notes

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Evonne Chew. Financial Consultant. SP Group

Joan is very helpful in taking me through how to use the HQ system. I think it is useful and interesting getting to meet her up and getting to know her. You should take the time to hear from her soon too!

Clara Phua. Chartered Financial Consultant. PACS

Joan and I finally caught up today and I found her to be very helpful and dedicated in her area of work. She helped me sort out my web profile and was creative & insightful in generating ideas in which I could apply in my business. I highly recommend you and your team to check out their interesting and awesome system. You won't regret it!

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!

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.

Martin. Financial Services Director. AIA-RTP

Joan came down to our agency today to bring us through on how we can use HQ for our financial advisory & sales process. I found it useful. I think you'll benefit from meeting her. Enjoy!

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!