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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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Fiona. PIAS

Joan and I met up for a training session and I found it very beneficial and refreshing. It was a nice and awesome session. I like that she is very patient, friendly and approachable and I have gotten a better idea on how I can use HQ more effectively thanks to her sharing. I think you need to hear from her and it will be worth your time.

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.

Christopher Joo. Financial Consultant. AIA Singapore

Joan came to our agency to do a training and we thought it was highly informative and engaging. She was also in giving us ideas in which we found practical and I highly recommend any salesperson to adopt this system. Get to know her!

Clara & Patrick. AIA-SP Victor Lim

Patrick and I met Joan up for a refresher training session on how to use HQ for our business and workflow. We found it very useful. And I think that you'd find it valuable and interesting getting to know Joan.

Cliff Chen. Senior Financial Consultant. Great Eastern Singapore

Joan was insightful in generating ideas in which I found practical. It was a very interesting session and I highly recommend any salesperson and practitioner out there to adopt this system from HQ!

Agnes Cheng. Financial Services 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. I think you won't regret getting to know her!