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Joshua Ng Gim Kay

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A Monthly Curated Newsletter

Life can be unpredictable with obstacles, making it sometimes difficult to stay afloat. Whether it is the loss of a loved one, stress from work, or financial woes, everyone faces challenges and does at some point, struggle with remaining optimistic or hopeful. Nonetheless, it is still important to maintain positivity to keep us going; by finding the good in the bad, and being the light in the darkness. For this issue, let us explore on what being positive means & how we can harness it in ways that truly benefit our lives.

7 Ways to Stay Positive Even During the Toughest Times

Scientists found that even though people who identify as optimists tend to be more positive in general, they too start assuming the worst as the moment of truth about something important nears. On the other hand, some people would rather stay positive whenever possible, since it's easier to fight off stress and anxiety when you have a sunny outlook. Here, we've gathered some of our favourite expert tips for staying optimistic when you're dealing with some super hard stuff.

 
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Positive Money Mindset: 15 Tips to Transform Your Money Mindset from Negative to Positive

Do you find yourself feeling down about money or uninspired? Maybe you aren't making as high of an income as you'd like to be. Something that contributes a lot to your success is the way you think. A positive money mindset can change your outlook and improve your finances. Here are 15 tips to transform your money mindset when you need to think positively.

 
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Your brain is wired for negative thoughts. Here's how to change it.

 
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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.
 
Joshua Ng Gim Kay
 
 
 
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Testimonials and Referral Notes

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Doctor Jonathan Ng

What sets Joshua apart from the rest as a financial advisor is that he isn’t simply pushing product, he advocates for a lifestyle of financial literacy. He has an astute understanding of the markets, able to cater to varying needs of clients and engage at a level comfortable for them. More importantly, it is his trustworthiness and professionalism that shines through which makes me willing to put my hard-earned money in his hands.

Augustine Tan, Global Data Analyst, Bloomberg LP

Joshua is straightforward as an agent, and as a friend. I appreciate the fact that he is not afraid to challenge your goals and assumptions, and his ability to steer your thinking to consider different perspectives, one which you may not have considered before. I appreciate his attention to small details such as our yearly cash flow planning and his genuine curiosity about my life so he is better equipped to advise me financially. He puts his money where his mouth is and I only regret I did not know him earlier in my financial planning journey. Nevertheless, he has never been pushy about me surrendering my existing policies, and is happy to work according to my needs. I also value his advice in other life aspects like the workplace and personal relationships, and am glad to be able to say that if I encounter any difficulties, he will be there for me as a friend first, and an agent second. I thank fate for bringing us back together as I know I’m in good hands

Miss Wong. Place Manager. Urban Redevelopment Authority

Above his professionalism and passion in his work, Joshua is dedicated towards serving his clients with his heart. He has a way of breaking down complex policies into simpler concepts that clients with minimal knowledge of financial planning like me can easily relate to. As he strive to care for our lives beyond financial needs, Joshua understands that he has to continuously equip himself with more knowledge and skills. His foresight and meticulous planning, provide a strong assurance that our lives are in good hands. Being a genuine friend he is, Joshua listens, understands and gives us breathing space and autonomy to make decisions essential to our lives.

Dr N Lin

Joshua has been very helpful in providing financial advice to his client! He will take the effort to understand the financial situation of his client and assist them in planning for the future in the best way possible. He provides his analysis and explains the various plans in a way that is easily understandable by focusing on the content of the product and how it applies to the client, rather than just hard selling the product which some financial consultants will do. He is also very patient and takes his time to do his research to help his customers.

Chua Yong Fa, Test Engineer, Tiktok Singapore

Joshua is logical and resourceful person. He will always figure out a way to resolve any problems whether it be with his own knowledge and experience, or through the employment of the expertise of specialists in other fields relating to the problem. His never-say-die nature and hardworking attitude pushes him to keep striving on to improve himself to be better as a person and an advisor. His honest and straightforward personality allows me to be able to share things with him to seek advice from him and also have an intellectually stimulating conversation with no holds barred. Having known him for more than 10 years, seeing his workstyle and growth from being the class chairman to the canoeing captain to becoming an advisor, I've grown to trust in his ability and workstyle to resolve problems pertaining to his craft. The connection that I have with him grows far beyond what any other agents have, which allows for ever more effective communication with him to get things done. I strongly believe that this bond we have will go a long way both in our friendship and the relationship we have as advisor and client.

Lau GK. Head Accountant. HReasily

One thing that sets Joshua apart from the rest is his efficiency. Queries and issues get resolved very quickly followed by constant updates. Met a few other people before deciding to work exclusively with Joshua. He also has a wide scope of knowledge beyond his area of expertise.