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

Health Savings Accounts Are Quietly Becoming Essential for More Families—You Should Know About Them!
Health Savings Accounts Are Quietly Becoming Essential for More Families—You Should Know About Them!
Health Savings Accounts offer tax advantages, flexible funds, and long-term growth, helping you manage medical expenses efficiently, enhance financial security, and suit users of high-deductible health plans.
Afraid of catching a knife while bottom fishing? Itching to miss the opportunity? Use this trick to collect money first and then bottom fishing, Buffett will give you a thumbs up!
Afraid of catching a knife while bottom fishing? Itching to miss the opportunity? Use this trick to collect money first and then bottom fishing, Buffett will give you a thumbs up!
In the past week, the market has been completely disrupted. The sudden tariff policy has once again put pressure on the already fragile sentiment, and many stocks with good fundamentals are also unable to escape the fate of collective decline.
What Does Quadruple Witching Day Mean? Analyzing the Critical Moments of Market Turbulence
What Does Quadruple Witching Day Mean? Analyzing the Critical Moments of Market Turbulence
Quadruple Witching refers to the four times a year when multiple contracts expire, triggering a surge in trading volume and volatility in U.S. markets. This article details its definition, mechanics, investment impacts, and common misconceptions to help you understand market anomalies.
How to Choose an Options Strategy? A In-Depth Comparison of the Advantages and Risks of Covered Calls and Covered Puts
How to Choose an Options Strategy? A In-Depth Comparison of the Advantages and Risks of Covered Calls and Covered Puts
2025 Edition: A comprehensive comparison of Covered Call and Cash-Secured Put strategies, analyzing returns, risks, margin requirements, exercise and dividends, Greeks, and China’s ETF/index option systems to clarify selection logic and suitable scenarios.
A Comprehensive Guide to Purchase Orders: From Execution to Efficient Payment
A Comprehensive Guide to Purchase Orders: From Execution to Efficient Payment
A purchase order defines a legally binding document issued by the buyer to the seller to confirm the intent, quantity, and price for purchasing goods or services. It clarifies transactions, controls budgets, and ensures efficient payment through a three-way matching process.
Where Can You Buy a Money Order? Learn About the Ways and Costs of Purchasing a Money Order
Where Can You Buy a Money Order? Learn About the Ways and Costs of Purchasing a Money Order
Want to know where to buy money orders most cost-effectively? This article provides a detailed comparison of purchasing money orders at the post office (USPS), Walmart, banks, and convenience stores, including fees. Learn about limits, service fees, and convenience at each channel to help you easily choose the most suitable payment solution.
What is the Withdrawal Limit of Bank of America ATMs?
What is the Withdrawal Limit of Bank of America ATMs?
Bank of America ATM daily withdrawal limits are typically $1,000, but the exact amount depends on your account type and client relationship. New accounts may have lower initial limits. To check your limit or for large withdrawals, log into the app or contact the bank.
Details You Must Know Before Using Apple Pay to Pay Someone
Details You Must Know Before Using Apple Pay to Pay Someone
Want to send money to a friend with Apple Pay? Before making a payment, understand these Apple Pay payment details: transfers are completely free, funds can only come from a UnionPay debit card, and payments typically arrive instantly on business days. Most crucially, once the recipient accepts, the transaction cannot be reversed.
Sending Money from the US to GCash: A Convenient, Secure, and Inexpensive Remittance Method
Sending Money from the US to GCash: A Convenient, Secure, and Inexpensive Remittance Method
This article introduces the process of sending money from the US to GCash, including remittance steps, fees, exchange rates, and how to ensure the security of the remittance. It is suitable for users who need to make cross-border remittances.
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