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

 Business Bank Accounts for Startups in 2025
Business Bank Accounts for Startups in 2025
Compare the best business bank accounts for startups in 2025, featuring top picks with low fees, digital tools, and strong support for growing companies.
Simple Ways to Call the UK from the US Without Hassle
Simple Ways to Call the UK from the US Without Hassle
Call UK from US by dialing 011, then 44, the area code without zero, and the local number. Follow these steps for hassle-free international calls.
Shopping on Amazon with Apple Pay Tips and Tricks
Shopping on Amazon with Apple Pay Tips and Tricks
Amazon does not accept Apple Pay directly, but you can use your Apple Card or buy Amazon gift cards with Apple Pay for secure shopping and rewards.
Master Shopping on Taobao in English with This 2025 Guide
Master Shopping on Taobao in English with This 2025 Guide
Use Taobao in English with this 2025 guide: switch language, set up your account, pay securely, and ship internationally with ease.
Is Sendwave the safest way to send money abroad
Is Sendwave the safest way to send money abroad
Sendwave safety includes 256-bit encryption, two-factor authentication, and strict compliance, making it a secure choice for sending money abroad.
How does an ACH debit transaction work
How does an ACH debit transaction work
An ACH debit transaction pulls funds from your bank account with your approval, moving money securely through the ACH network in 1-3 business days.
FHA Loan Process Explained and How to Apply Successfully
FHA Loan Process Explained and How to Apply Successfully
Understand FHA loan requirements, steps to apply, and tips for approval. Learn how to qualify, gather documents, and complete the FHA loan process
Discover the Top 10 Landmarks in Mexico for 2025
Discover the Top 10 Landmarks in Mexico for 2025
See the top 10 famous landmarks in Mexico for 2025, including ancient ruins, museums, and city icons. Plan your trip to these must-visit sites.
CNY versus CNH Understanding the Two Faces of Renminbi
CNY versus CNH Understanding the Two Faces of Renminbi
Differences Between Renminbi: CNY is regulated and used in China, while CNH trades offshore with fewer controls, leading to distinct exchange rates and uses.