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

How to Exit Your Contract with a Timeshare and Protect Your Credit
How to Exit Your Contract with a Timeshare and Protect Your Credit
Exit your contract with a timeshare safely. Follow proven steps to cancel, avoid scams, and protect your credit while ending your timeshare agreement.
How to Access American Bank Services in Spain as an Expat
How to Access American Bank Services in Spain as an Expat
Access American banks in Spain as an expat. Learn about US bank branches, account options, fees, and what documents you need to manage your finances.
How Foreigners Can Set Up and Use WeChat Pay in China
How Foreigners Can Set Up and Use WeChat Pay in China
Set up WeChat Pay in China as a foreigner using your passport and international credit card. Follow easy steps to pay with WeChat Pay without a local bank.
How Alipay Uses Encryption and Biometrics to Protect Your Data
How Alipay Uses Encryption and Biometrics to Protect Your Data
Alipay safety relies on strong encryption and biometrics to protect your data, prevent fraud, and ensure your personal information stays secure.
Hong Kong Entry Requirements for Philippine Passport Holders in 2025
Hong Kong Entry Requirements for Philippine Passport Holders in 2025
Travel requirements for Philippine passport holders to Hong Kong in 2025: no visa for 14 days, valid passport, proof of funds, and return ticket needed.
Easy Ways to Call Malaysia Using the Country Code 60
Easy Ways to Call Malaysia Using the Country Code 60
Call Malaysia easily by dialing your exit code, then the calling code Malaysia (60), followed by the area or mobile code and local number. Skip leading zeros.
Easily Cancel Your HelloFresh Subscription with These Tips
Easily Cancel Your HelloFresh Subscription with These Tips
Cancel HelloFresh subscription easily by following step-by-step instructions, avoiding extra charges, and confirming your cancellation status.
A Simple Guide to SWIFT Meaning and How It Operates
A Simple Guide to SWIFT Meaning and How It Operates
SWIFT meaning explained: a secure network connecting banks worldwide to send payment instructions, not funds, using unique SWIFT codes for accuracy.
A Deep Dive into Chase Business Account Services
A Deep Dive into Chase Business Account Services
Chase Business Account options offer tailored features, fee waivers, and digital tools. Compare account types and requirements to find your best fit.
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