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

Zelle Wire Transfer or ACH? Clearing Up the Confusion
Zelle Wire Transfer or ACH? Clearing Up the Confusion
Is a Zelle wire transfer possible? No, Zelle is a real-time ACH transfer, not a wire. It uses the ACH network for instant payments, unlike a separate wire system.
Why Is Canada's Country Code 1
Why Is Canada's Country Code 1
Canada's country code is 1 because it's a founding member of the North American Numbering Plan (NANP). To make a call, use the calling code for Canada: 1 + area code + number.
Is There a Monthly Zelle Transfer Limit?
Is There a Monthly Zelle Transfer Limit?
Yes, Zelle has monthly transfer limits set by your bank, typically from $10,000 to $20,000. This 2025 guide details the Zelle transfer limit at major banks.
The Ultimate Real-Time Data Test Google vs Yahoo Finance
The Ultimate Real-Time Data Test Google vs Yahoo Finance
Which platform is better for tracking stocks in real time? Our test reveals Yahoo Finance offers superior data speed, charting, and news for active investors.
The Ultimate Guide to the Best Money-Making Apps
The Ultimate Guide to the Best Money-Making Apps
Our 2025 guide reviews 18 of the best apps to make money. Compare top options for gig work, cashback, surveys, and passive income to start earning extra cash.
The Story Behind the NYSE Average Volume Surge
The Story Behind the NYSE Average Volume Surge
The 2026 NYSE average volume surge is driven by macroeconomic shifts, AI trading tech, and regulatory reforms. These forces created a highly liquid but volatile market.
Watching US Futures Live? Here's What to Expect
Watching US Futures Live? Here's What to Expect
Watching US futures live? This week's market direction hinges on key inflation data (CPI/PPI), major tech earnings, and critical S&P 500 technical levels.
It's Finally Here: Mainland China Users Can Now Register Wise with ID Card Only
It's Finally Here: Mainland China Users Can Now Register Wise with ID Card Only
It's finally here! Wise now supports mainland users completing account opening and identity verification with just an ID card — no passport or address proof needed. This guide provides detailed illustrated steps to help you activate your account in 10 minutes and easily obtain multi-currency collection details.
Offshore RMB (CNH) vs Onshore RMB (CNY): Which Exchange Rate Is More Favorable for You
Offshore RMB (CNH) vs Onshore RMB (CNY): Which Exchange Rate Is More Favorable for You
What is the difference between offshore RMB (CNH) and onshore RMB (CNY)? CNH rates are determined by market supply and demand, while CNY is officially managed. To exchange foreign currency for more RMB, choose the higher rate number; to exchange RMB for more foreign currency, choose the lower number. This article teaches you how to select the more advantageous rate.
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