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

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.
Can a credit card be added to Cash App?
Can a credit card be added to Cash App?
Yes, you can add a credit card to Cash App for payments, but a 3% fee applies. Note that credit cards cannot fund your Cash App balance, and your issuer may treat this as a 'cash advance' with additional fees.
How to Find the Nearest MoneyGram Location?
How to Find the Nearest MoneyGram Location?
Want to know where the nearest MoneyGram location is? Use the MoneyGram official locator or mobile app, enter your address or authorize location services, and instantly find it. You can also get the location's business hours, services offered, and navigation routes to ensure smooth remittance and receipt.
BiyaPay
BiyaPay makes crypto more popular!

Contact Us

Mail: service@biyapay.com
Customer Service Telegram: https://t.me/biyapay001
Telegram Community: https://t.me/biyapay_ch
Digital Asset Community: https://t.me/BiyaPay666
BiyaPay的电报社区BiyaPay的Discord社区BiyaPay客服邮箱BiyaPay Instagram官方账号BiyaPay Tiktok官方账号BiyaPay LinkedIn官方账号
Regulation Subject
BIYA GLOBAL LLC
BIYA GLOBAL LLC is registered with the Financial Crimes Enforcement Network (FinCEN), an agency under the U.S. Department of the Treasury, as a Money Services Business (MSB), with registration number 31000218637349, and regulated by the Financial Crimes Enforcement Network (FinCEN).
BIYA GLOBAL LIMITED
BIYA GLOBAL LIMITED is a registered Financial Service Provider (FSP) in New Zealand, with registration number FSP1007221, and is also a registered member of the Financial Services Complaints Limited (FSCL), an independent dispute resolution scheme in New Zealand.
©2019 - 2026 BIYA GLOBAL LIMITED