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

 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.
Who Is Stronger, SpaceX or Blue Origin? How Should You Understand the Commercial Space Competition?
Who Is Stronger, SpaceX or Blue Origin? How Should You Understand the Commercial Space Competition?
Who is stronger, SpaceX or Blue Origin? Compare commercial space competition through launch capability, reusable rockets, Starlink, New Glenn, Blue Moon, NASA lunar missions, and commercialization paths.
How Are U.S. Fractional-Share Trading Fees Calculated? Common Charging Rules for Orders Below One Share
How Are U.S. Fractional-Share Trading Fees Calculated? Common Charging Rules for Orders Below One Share
As of May 2026, for U.S. stock fractional orders below 1 share, platform fees are often calculated as trade value × percentage rate, then compared with a USD cap and the lower amount applies. You cannot estimate them using whole-share per-share pricing. First distinguish fractional shares from odd lots, then reconcile fee disclosures and trade confirmations.
How Are U.S. Stock Trading Fees Calculated? Breaking Down Commission, Platform Fees, and Pass-Through Charges with a Whole-Share Order?
How Are U.S. Stock Trading Fees Calculated? Breaking Down Commission, Platform Fees, and Pass-Through Charges with a Whole-Share Order?
As of May 2026, this guide uses whole-share buy and sell examples to break down U.S. stock commission, platform fees, and SEC/FINRA pass-through charges step by step. It explains why $0 commission is not free and shows how to reconcile costs using fee schedules and trade confirmations.
Why Has SpaceX Become the Leader in Commercial Spaceflight? A Breakdown of Its Technology, Costs, and Launch Frequency
Why Has SpaceX Become the Leader in Commercial Spaceflight? A Breakdown of Its Technology, Costs, and Launch Frequency
Why has SpaceX become the leader in commercial spaceflight? This article explains SpaceX’s competitive advantages through Falcon 9 reusability, launch costs, annual launch frequency, the Starlink business loop, and Starship’s long-term potential.