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

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.
Can You Have More Than One Cash App Account? Rules, Limits and Risks
Can You Have More Than One Cash App Account? Rules, Limits and Risks
Learn whether you can have more than one Cash App account, how multiple accounts affect limits, when a second account makes sense, and what risks to avoid.
U.S. Stock Market Holidays 2026: Holiday Calendar, Daylight Saving Time, and Trading Arrangements
U.S. Stock Market Holidays 2026: Holiday Calendar, Daylight Saving Time, and Trading Arrangements
A complete guide to 2026 U.S. stock market holidays, early closing days, U.S. daylight saving time, and Beijing time conversion, helping international investors plan U.S. stock trading, deposits, FX conversion, orders, and portfolio management.
 Revolut USA Alternatives: Multi-Currency Accounts, Fees and Limits
Revolut USA Alternatives: Multi-Currency Accounts, Fees and Limits
Compare Revolut USA alternatives for multi-currency accounts, international transfers, card spending, ATM withdrawals, freelancer payments, business accounts, fees, limits and safety checks.
 ChatGPT Team Discount and Promo Questions: What Is Real, What to Avoid and Payment Alternatives
ChatGPT Team Discount and Promo Questions: What Is Real, What to Avoid and Payment Alternatives
Learn what is real about ChatGPT Team discounts, ChatGPT Business pricing, promo codes, nonprofit discounts, seat billing, payment methods and safer subscription alternatives.
PayPal Goods and Services Fees and Protection: When to Use Alternatives
PayPal Goods and Services Fees and Protection: When to Use Alternatives
Learn how PayPal Goods and Services works, what fees sellers may pay, when buyer and seller protection apply, and when alternatives may be better.
Wire Transfer Fees Compared: Chase, Wells Fargo, Western Union and Alternatives
Wire Transfer Fees Compared: Chase, Wells Fargo, Western Union and Alternatives
Compare wire transfer fees from Chase, Wells Fargo, Western Union and alternatives. Learn when bank wires, money transfer apps, ACH or Zelle make sense.
How to Pay for ChatGPT Team: Team Subscription, Invoices, and Billing Methods Explained
How to Pay for ChatGPT Team: Team Subscription, Invoices, and Billing Methods Explained
ChatGPT Team has been renamed ChatGPT Business. Before paying for a team subscription, you should confirm seat types, payment methods, invoice entity, tax ID, whether API usage is billed separately, and how monthly or annual billing affects member changes and budget management.
Which Users Is Biya U.S. Stock Trading Suitable For? Fees, Rules, and What to Know Before Using It
Which Users Is Biya U.S. Stock Trading Suitable For? Fees, Rules, and What to Know Before Using It
Biya U.S. stock trading is suitable for users who want to manage multiple assets, understand fee rules, and are willing to check the order page. Before using it, you should understand zero commission, platform fees, fractional share rules, order types, and regional eligibility conditions.
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