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 Currency is ZAR? The History and Current Situation of the South African Rand
What Currency is ZAR? The History and Current Situation of the South African Rand
What is ZAR currency? ZAR is the international code for South Africa’s legal tender, the South African Rand. As an emerging market currency closely tied to commodity prices like gold and platinum, its value is highly volatile. This article delves into the Rand’s history, key factors affecting its exchange rate, and provides a practical travel currency exchange guide.
Introduction to Ria Money Transfer Service: An International Remittance Solution with Low Fees and Global Coverage
Introduction to Ria Money Transfer Service: An International Remittance Solution with Low Fees and Global Coverage
Looking for a low-cost international remittance solution? Ria Money Transfer offers a network covering over 190 countries, transparent low fees, and diverse receiving options, ensuring your funds reach recipients worldwide quickly and securely.
Can Apple Cash be Sent Internationally? Understand the Key Elements of Apple Pay International Transfers
Can Apple Cash be Sent Internationally? Understand the Key Elements of Apple Pay International Transfers
You cannot directly send Apple Cash internationally, as it is limited to the United States. However, you can use third-party apps like Wise or Remitly, selecting Apple Pay as the payment method, to easily complete cross-border transfers. This article guides you on how to do it and compares fees and exchange rates.
Understand the Cash Loan Services in the United States, with Flexible Loan Options and a Fast Approval Process
Understand the Cash Loan Services in the United States, with Flexible Loan Options and a Fast Approval Process
A comprehensive analysis of US cash loan services, comparing personal loans and payday loans in terms of interest rates and conditions. Learn the key to fast approval: a credit score of at least 610 and prepared proof of income. Helps you choose the most suitable loan option and avoid high-risk traps.
How to Remit Money from Germany to the US: A Comprehensive Analysis of Bank Selection, Fees, Security, and Amount Limits
How to Remit Money from Germany to the US: A Comprehensive Analysis of Bank Selection, Fees, Security, and Amount Limits
This article details the process of remitting money from Germany to the US, including choosing the right bank, remittance fees, security guarantees, and amount limits. It helps you understand how to complete cross - border remittances efficiently and securely.
How to Convert US Dollars to Philippine Pesos and Achieve Quick Remittance via Remitly
How to Convert US Dollars to Philippine Pesos and Achieve Quick Remittance via Remitly
Wondering how to send USD to the Philippines with Remitly? This guide offers step-by-step instructions, from preparing documents to selecting cash pickup or GCash as the receiving method. Learn about Remitly's fee structure, optimal exchange rates, and remittance speeds as fast as a few minutes, making USD to PHP conversion secure and easy.
How to Choose PayPal's Family and Friends Transfer Option: Understanding Fees and Processing Times
How to Choose PayPal's Family and Friends Transfer Option: Understanding Fees and Processing Times
Want to know how to choose PayPal Friends and Family transfer? This article details its fee structure and processing time. Domestic transfers using balance or bank account are usually free, but cross-border or card payments incur fees. Transfers are often instant, but using a bank account may take 3-7 days. Note: This feature is not supported for mainland China accounts.
NVIDIA's Capital Expenditure Revealed: Why Computing Clusters Are AI "Super Competitive Edge"?
NVIDIA's Capital Expenditure Revealed: Why Computing Clusters Are AI "Super Competitive Edge"?
With the rapid development of artificial intelligence technology, especially in the fields of deep learning and large-scale data processing, computing power has become one of the key factors driving the progress of AI.
How to Securely Transfer Funds from One Credit Card to Another
How to Securely Transfer Funds from One Credit Card to Another
Want to safely transfer funds from one credit card to another? Direct transfers between credit cards are not possible. The only bank-recognized safe method is 'balance transfer,' where you apply for a new card to pay off the debt on the old card. This article will teach you how to do it and warn about the high risks of cash advances and third-party cash-out platforms.