Happy New Year [新年快樂]! Hope everyone had a chance to countdown 2021 with friends and family. With the new year just starting though, lets explore a psychological effect [心態轉變] which …
Blog 69: Gaslighting by Xavier Lo, FIA, FRM, MBA
Merry Christmas everyone [聖誕快樂]! In light of recent events, I’d like to discuss something that I’ve known all along, but only just found out that there was a term for …
Blog 68: Internship Mentality by Xavier Lo, FIA, FRM, MBA
Its nearly Christmas [聖誕節] and the end of another year. It is not uncommon for university students to take part in an internship programme [短期實習工] for maybe 3 months to …
Blog 67: Confirmation Bias by Xavier Lo, FIA, FRM, MBA
Have you ever noticed that people’s views are becoming more and more extreme [極端] these days? Its actually really difficult to have civilised debates [正常辯論] with people about politics or …
Blog 66: Interview Tips – Graduates by Xavier Lo, FIA, FRM, MBA
Depending on where you are, its about that time of the year where companies are starting to interview [面試] candidates for their graduate positions [畢業生職位]. Here are some tips I …
Blog 65: Price Earnings Ratio by Xavier Lo, FIA, FRM, MBA
Do you ever hear bankers talking about the P.E. ratio? P.E. ratio this, P.E. ratio that. No? Well, me neither, but the P.E. ratio is actually quite an important ratio …
Blog 64: Attractive Service Economic Index by Xavier Lo, FIA, FRM, MBA
A bit of a light-hearted post today. The Attractive Service Economic Index [侍應吸引力經濟指數]is a somewhat offensive [有攻擊性] and inaccurate [唔準確] way of measuring the state of the economy. However, I …
Blog 63: Framing Effect by Xavier Lo, FIA, FRM, MBA
Behavioural economics [行為經濟學] is a subject that I really enjoy reading about, and something I’ll write about regularly. We will touch on one small part of it today: the Framing …
Blog 62: Mental Health by Xavier Lo, FIA, FRM, MBA
I’d like to really highlight something that is important to all of us actuaries. There is a lot of emphasis right now on healthy eating [健康飲食] and staying physically active …
Blog 61: Reinsurance Structures by Xavier Lo, FIA, FRM, MBA
Firstly, thanks for all of you who reached out to me with questions. I personally prefer to reply through Instagram so feel free to reach out here! Today’s topic will …
Blog 60: Random Sampling by Xavier Lo, FIA, FRM, MBA
Back to technical this week – lets talk about Random Sampling [隨機抽樣]. Yes I know that most of you readers are actuaries, or at least have an understanding of basic …
Blog 59: Business Interruption by Xavier Lo, FIA, FRM, MBA
As we are still in covid [新冠肺炎] times, might as well write about something that has been brought into attention these few years. Business Interruption insurance [停業保] has always existed, …
Blog 58: Loss Leaders by Xavier Lo, FIA, FRM, MBA
Let me start today’s blog with a question: why do you think companies sell new products? Obviously to make money right? Well, not always – today’s blog is about Loss …
Blog 57: Negative Externality by Xavier Lo, FIA, FRM, MBA
Think about a time when you were on public transport [交通工具]. You stayed up late the night before and just want a peaceful, quiet time on the way to work. …
Blog 56: Risk Based Capital: Part 1 by Xavier Lo, FIA, FRM, MBA
Risk Based Capital [風險資本] is quite a hot topic [熱門話題] in Hong Kong during the recent few years. The reason for this is because there will be regulatory changes [制度改變] …