| 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. | | 7 tips to get healthy habits to stick without getting stressed Change for the better is a process. Like training for a marathon or learning a new language, improving your wellbeing has to be approached realistically and progressively to work. So sure, you won’t get results overnight, but over time small gains add up. The trick is sticking with it long enough that the new habits you want to incorporate into your day-to-day become automatic.. | | 9 Good Money Habits You Can Form While you may have ambitious money goals, the key to reaching them is building a collection of smaller everyday habits. By taking baby steps that become second nature over time, you’ll hopefully be able to improve your financial situation. Here are some small habits you can develop today that may help your money grow. | | How to Be Happy – 7 Habits of Happy People  | | 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. | | Joash | | | | | | | | unsubscribe | You are receiving this email because you're my client, a friend or you've given permission to receive this email. If you'd rather not receive our emails, you can unsubscribe from our mailing list by clicking 'Unsubscribe' above.
© Joash, All rights reserved. | |  | | Jumat Hassan, Head (Training) BMW Singapore Joash is not just my consultant but over the years of working together on my family’s portfolio, we have become good friends. Watching his career grow over the years, I find him sincere and trustworthy. He has identified crucial aspects of my financial planning and has provided sound advice. Joash exudes confidence and empathy, excelling in his work. Our meetups are always enjoyable; he's well-versed and can discuss diverse topics. I see great potential for him to become one of the best in the business. | |  | | Derrick, VP Doha Bank My friendship with Joash from Prudential goes way back to the year 2000 when we were studying together. Our conversations about my financial portfolio have been insightful, and his expertise in this field is evident. Joash's ability to engage in meaningful exchanges and share valuable ideas has made our meetups enjoyable, leaving me with a sense of joy and satisfaction. Beyond being a specialist in his trade, Joash is a true professional and a friend, making him a pleasure to work with. I am confident in his ability to provide excellent financial guidance and support to anyone in need of it. | |  | | Gary C. CEO Alpha Engineering & Consultancy I am delighted to write this recommendation for Joash, a highly skilled financial adviser with whom I had the privilege of working. Joash's commitment and dedication to his work are commendable, providing the best financial guidance for his clients.
He has a remarkable ability to simplify complex financial concepts and create engaging content that educates and informs his clients. His attention to detail and commitment to accuracy are qualities that make him stand out in the industry.
What sets Joash apart is his genuine passion for helping people make informed financial decisions. I have received sound financial advice, and others in my family have experienced the same. I highly recommend Joash to anyone seeking financial advice, and I am confident that his clients will find his services invaluable. | |  | | Pramoj, Sales Director Infosys I had the pleasure of connecting with Joash on LinkedIn, and our professional relationship quickly transformed into a genuine friendship. Joash is not only sincere and caring but also an exceptional financial consultant. His valuable advice on housing strategies has been insightful, providing me with ideas that have proven beneficial. I appreciate his expertise and highly recommend Joash. | |  | | Riya Gote, Founder & Director, Scriberlee Having known Joash since 2022, I can confidently vouch for his excellence in financial advising. He reflects expertise and dedication in all that he does. Joash's remarkable ability to simplify complex concepts and genuine passion for helping others to make informed decisions sets him apart. He's not just a consultant but also a trusted friend, sincere and trustworthy. Joash's blend of confidence, clarity and courage ensures enjoyable and productive interactions. I highly recommend Joash for invaluable financial guidance. | |  | | Matthew Tan, Senior Financial Services Consultant Having known Joash since 2010, I can confidently attest to his excellence in his field. His financial advice is consistently sound, reflecting his expertise and dedication. Joash stands out for his kindness, sincerity, and a drive to excel in all he undertakes. Working with him is not only productive but also enjoyable, thanks to his wonderful disposition. I foresee even greater success in Joash's career in the time to come. | | | | |
