Habits & Decisions That Compound

Joan Tong

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A Monthly Curated Newsletter

As human beings, we are a culmination of our environment, decisions, behaviours and habits. It is worth giving thought to how we live our lives; taking a step back to reflect on some of our own less-than-ideal tendencies and ponder about how we can mitigate or improve upon them. Here are some resources that I hope can help us foster habits and patterns that can create an upward cycle for ourselves over time.

20 compounding habits that lead to huge results

Every habit turns out to be an upside advantage or a stumbling block to your best life. Many people desperately want the upside advantage — but their actions lead to a downward spiral. You can achieve extraordinary results if you identify the few essential and life-changing habits that have a massive impact on your expected trajectory.

I spend $725 a month on chores I could do myself, and it's one of the best money decisions I've ever made

"I'd spend ridiculous amounts of time and effort looking for savings hacks and DIYing everything to avoid spending money, because I saw my finances as a finite and precious resource. The truth is, time is much more valuable — a lesson I wish I'd learned far sooner."

Forget big change, start with a tiny habit: BJ Fogg at TEDxFremont

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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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Wenji. Financial Consultant. Prudential Singapore

A session with Joan reveals that she dedicated in her work in helping agents like myself service and retain clients in a more effective way. She's on-the-ball in helping us understand the system and also quick to answer questions that we may have. If you're in the financial services or sales line, do get to know Joan and check out how the HQ system can work for you!

Jia Hwan. Financial Consultant. Eminence Group

Joan is a friendly and helpful person who helps us in our understanding of the client engagement system for our area of work and relationships. It was easy and interesting to follow, and I think this is a system worth exploring. You'll enjoy meeting her!

Derek Chong. SP Group. Prudential.

Today Joan came to do a hands-on training on the HQ platform for our group. I found it very useful and engaging. I think you'd have fun and enjoy meeting her up :)

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!

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!

Jeremy Ng. Executive Senior Manager. Henry Kencana & Associates. Great Eastern Life

Not only is it a great system but it’s filled with great people leading the team. Namely Samuel who leads and Joan whom greatly supports. Joan gives her heart when she trains. And she is so open towards hearing and learning from us at the same time. Joan & Samuel constantly support and work hard as the backbone of HQ to add value to us. Not only is this consistent at point of sale of HQ system, it is also followed through with coaching and guiding our team after we became users of HQ. HQ incentives made it so helpful and encourage us to add value when we meet clients. This in turn attain great testimonials that supports the team as well as adds value to the marketplace. This is definitely a system to adopt for all practitioners out there!