How much MPF comes out of your salary in Hong Kong
You and your employer each pay 5% of your relevant income, you pay nothing below HK$7,100 a month, and neither of you pa...
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How to write the amount on a Hong Kong cheque in words
English or Chinese are both accepted, and whichever you write, the words beat the figures. Write HK$10,001 in Chinese an...
Following S$10,000 through a Singapore T-bill auction
A Singapore T-bill's headline rate looks directly comparable with a fixed deposit's. Following S$10,000 through the Sept...
The 916 on a gold chain means something different in Malaysia and Singapore
Malaysian regulations make the fineness stamp compulsory, fix 22 karat as 916 rather than 917, and force the receipt to...
A Singapore credit report can come back with no score at all
Credit Bureau Singapore grades borrowers AA to HH — but five other grades carry no score, and two of them are adverse fi...
Singapore's core inflation leaves out a third of the price index
MAS Core Inflation drops accommodation and private transport, which together carry 35.6% of the 2024-based CPI. Most of...
The annual Sharpe ratio hides an assumption about your returns
Annualising a monthly Sharpe ratio by multiplying by the square root of twelve is not a unit conversion. It is Andrew Lo...
Malaysia banned the Rule of 78, and the Rule of 78 was never the expensive part
On Bank Negara's own worked example the Rule of 78 costs an early settler at most about RM632 on a RM100,000 loan. Readi...
A distress-zone Z-score does not mean a 70% chance of bankruptcy
The Altman Z-score's famous 70% is the share of firms that DID fail which had scored in the distress zone — a sensitivit...
The South Asian number ladder that no two countries share
Lakh and crore are usually presented as one regional system continuing upward into arab and kharab. Take the ladder to f...
Why a Pay Rise Won't Grow Your Pension
The OECD says Thailand's pension replaces 41.5% of an average wage and 20.7% of twice that. Singapore falls from 57.6% t...
Thailand Raised Your Social Security Deduction. It Also Raised Your Pension.
The wage ceiling had not moved since 1995. On 1 January 2026 it went from THB 15,000 to THB 17,500, and it is scheduled...
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