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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Desmond Fu. Financial Consultant

I had an interesting session with Joan on HQ and how it can be of use in our advisory process. It was a fruitful time. You should take time to hear her out for her input. Highly recommended! It’s awesome!

Sally Chew. Senior Financial Planner, Great Eastern

I just want each of you to know how great Joan is! She came to support us with her 100% to walk us through how we can best maximise the potential of HQ for ourselves. She’s the person you want to meet in the morning - contagious happy vibes! The session went so well because of her genuine effort and patience with us. Through her training session, I am able to fully optimise my usage of HQ. Thanks Joan for the blessed session!

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.

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!

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!

Donna. Senior Financial Planner. Prudential Singapore

Joan is a reliable & effective person in helping people to engage their clients in a more meaningful way. She's also responsible, patient and helpful. You'll enjoy meeting her!