Tomas Ng

Tomas Ng

Wealth Risk Specialist | Investment Educator

MA in Finance, FRM certified, took mass communication courses. Develops risk models for retail banking at a regional bank. Writes Mingda on Risk column for Yicai Media. Runs YouTube channel Margin of Safety using TV drama clips to explain investment risks.

Latest Articles

Why Does AI Compute Growth Drive Storage Demand? The Difference Between Training, Inference, and Data Retention
Why Does AI Compute Growth Drive Storage Demand? The Difference Between Training, Inference, and Data Retention
Why does AI compute growth drive storage demand? This article explains how HBM, DRAM, enterprise SSDs, nearline HDDs, object storage, and data center storage are affected by AI workloads across training, inference, and data retention.
Why Are Enterprise SSDs Gaining Attention in AI Data Centers? Hot Data, Training Data, and High-Speed Read/Write Demand
Why Are Enterprise SSDs Gaining Attention in AI Data Centers? Hot Data, Training Data, and High-Speed Read/Write Demand
Why are enterprise SSDs becoming a critical storage layer in AI data centers? This article explains hot data, training data, checkpointing, inference retrieval, NVMe, QLC/TLC NAND, and how AI workloads are reshaping the storage supply chain.
SNDK Stock Analysis: NAND and Flash Opportunities After the Western Digital Spin-Off
SNDK Stock Analysis: NAND and Flash Opportunities After the Western Digital Spin-Off
Analyze SNDK stock by looking at Sandisk’s post–Western Digital spin-off positioning, the NAND Flash cycle, AI data center demand, financial results, long-term agreements, valuation comparisons, and key risks, helping you decide whether SNDK deserves continued attention.
How to Invest in U.S. Stocks Without an Overseas Bank Card? Accounts, FX, Funding, and Trading Paths Explained
How to Invest in U.S. Stocks Without an Overseas Bank Card? Accounts, FX, Funding, and Trading Paths Explained
You may still be able to invest in U.S. stocks without an overseas bank card, but the key is your brokerage account, FX path, same-name funding route, and withdrawal loop. Learn about account setup, USD funding, fees, and compliance risks before making your first trade.
Which ETFs Could Buy SpaceX After Its IPO? QQQ, SPY, VOO, and Index Fund Exposure Explained
Which ETFs Could Buy SpaceX After Its IPO? QQQ, SPY, VOO, and Index Fund Exposure Explained
Whether SpaceX enters the Nasdaq-100 or S&P 500 after listing depends on exchange listing, liquidity, market capitalization, free float, profitability, and trading history. The Nasdaq-100 Fast Entry mechanism may allow large IPOs to be reviewed sooner, while S&P 500 inclusion is still affected by the 12-month trading-history requirement, GAAP profitability, and index committee judgment.
Will ChatGPT Plus Be Downgraded If Renewal Fails?
Will ChatGPT Plus Be Downgraded If Renewal Fails?
Whether ChatGPT Plus is downgraded after a renewal failure depends on whether payment is restored, whether the subscription has expired, and where it was originally purchased. This guide explains payment failure causes, Plus benefit changes, chat history impact, web/iOS/Android troubleshooting paths, and ways to avoid duplicate charges.
How to Pay for Perplexity Pro: Card Binding, Billing, and Subscription Management
How to Pay for Perplexity Pro: Card Binding, Billing, and Subscription Management
How do you pay for Perplexity Pro? Learn how to bind a card on the web, how Stripe billing works, iOS and Android subscription differences, payment failure troubleshooting, auto-renewal, cancellation, refunds, and invoice management rules.
Why Do Overseas AI Service Payments Need USD Support and 3D Secure Verification?
Why Do Overseas AI Service Payments Need USD Support and 3D Secure Verification?
Overseas AI service payment failures are often related to USD payments, 3D Secure, billing address checks, issuing-bank risk controls, and subscription rules. Learn how ChatGPT, Claude, API top-ups, and other AI payment scenarios work, and how to judge whether your card is suitable for cross-border AI service payments.
WeChat Pay for Foreigners: Real-Name Verification, Cards and Alternatives
WeChat Pay for Foreigners: Real-Name Verification, Cards and Alternatives
Learn how foreigners can use WeChat Pay in China, including real-name verification, supported international cards, fees, limits, common issues and payment alternatives.
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