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...
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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...
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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...
Vietnam Salary Deductions Explained (2026): New Tax Brackets, Insurance and Take-Home Pay
Your tax bill fell in January 2026, not July — on a ₫30,000,000 salary that is ₫450,000 a month. Seven brackets became f...
Philippine Salary Deductions Explained (2026): SSS, PhilHealth, Pag-IBIG and Tax
Your offer says ₱30,000 and your payslip says ₱26,542.45. Here is exactly where the rest goes — the three contributions...
What a Year of Currency Movement Does to an Invoice
A USD 10,000 invoice raised in January and paid in August was worth 10.8 million more rupiah, and 141 fewer Singapore do...
What a Tuition Total Leaves Out
Our own calculator says a four-year degree costs $54,400, and discloses that it excludes fee changes between years. We m...
How Many Domains Does Your Bank Send Email From?
Every scam-email guide ends with "check the sender", which assumes a bank is a domain. We read the published records for...
What Actually Happens to Your Bonus
The tax on an extra $1,200 is identical whether it arrives as salary or as a bonus — we computed it at five salary level...
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