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

Say Goodbye to High Fees: Practical Guide to Using USDT for Remitting to Studying Children Abroad
Say Goodbye to High Fees: Practical Guide to Using USDT for Remitting to Studying Children Abroad
Still troubled by high overseas tuition remittance fees? This guide provides parents with practical steps to use USDT (stablecoin) for study abroad remittances, helping you safely bypass foreign exchange quotas, achieve fund arrival within 1 hour, and minimize costs.
Global Cryptocurrency Regulation Map: Which Countries Are Leading the Future
Global Cryptocurrency Regulation Map: Which Countries Are Leading the Future
Explore the current state of global cryptocurrency regulation, with the EU (MiCA), UAE (VARA), and Hong Kong leading the future through clear frameworks. Understand the diverse paths of major economies like the US and UK, and see how compliance shapes industry patterns and investment opportunities.
Exploring Technical Paths for Stablecoins to Enable Instant Payments
Exploring Technical Paths for Stablecoins to Enable Instant Payments
Stablecoins leverage blockchain's 24/7 operation and smart contract automation to achieve second-level payments. This article deeply analyzes three mainstream technical paths—exchange deposits/withdrawals, seamless payment gateway conversions, and cash networks—revealing the principles and challenges behind instant settlement.
Guide to Avoiding Pitfalls in Cross-Border Transfers: Common Mistakes and Risk Prevention
Guide to Avoiding Pitfalls in Cross-Border Transfers: Common Mistakes and Risk Prevention
Want to complete compliant cross-border transfers smoothly? This guide helps you avoid common traps. From accurately filling in recipient information and identifying hidden fees like exchange rates and intermediary banks, to understanding foreign exchange quotas and large-amount declaration legal red lines, comprehensively prevent operational errors and compliance risks to ensure your funds arrive safely and efficiently.
Essential USDT Remittance Guide for Parents of Overseas Students: Secure and Cost-Saving Cross-Border Payment Full Strategy
Essential USDT Remittance Guide for Parents of Overseas Students: Secure and Cost-Saving Cross-Border Payment Full Strategy
Want to save thousands of dollars on study abroad remittances? This guide is designed for parents, detailing how to complete cross-border payments securely and at low cost via USDT. From platform selection to risk prevention, get step-by-step operations so large tuition remittances are no longer expensive.
New Way to Remit to the Philippines: USDT Transfer Process and Advantage Analysis
New Way to Remit to the Philippines: USDT Transfer Process and Advantage Analysis
Want to use stablecoin (USDT) to remit to the Philippines and control fees within 1%? This article provides a detailed illustrated tutorial teaching you how to safely operate via the TRC-20 network, from purchasing USDT to withdrawing pesos on local Philippine platforms, helping you complete remittances quickly and at low cost.
Easy Collection: Stablecoin (USDT) Remittance Makes Freelancing Freer
Easy Collection: Stablecoin (USDT) Remittance Makes Freelancing Freer
Are freelancers still enduring high cross-border collection fees? Learn how to reduce costs to below 1.5% with stablecoin (USDT) remittance, with funds arriving in minutes, completely eliminating hidden fees and long waits of traditional bank wires.
New Era of Overseas Salary Distribution: Stablecoin USDT Payment Guide 2025
New Era of Overseas Salary Distribution: Stablecoin USDT Payment Guide 2025
Looking for low-cost methods to distribute overseas salaries? This guide details how to use USDT stablecoin to pay wages, reducing per-transaction costs to under $1 with minute-level arrival, helping you easily manage global team compensation.
Why Are Your USDT Remittance Fees So High? The Problem Might Be Here
Why Are Your USDT Remittance Fees So High? The Problem Might Be Here
Wondering why your stablecoin USDT remittance fees are so high? Fees mainly come from high spread purchases and choosing the expensive ERC20 network. This article teaches you how to buy low-cost via bank transfer and prioritize the TRC20 network to minimize fees.
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