I recently spoke to Carolyn Wright at RTHK about the costs associated with raising children in Hong Kong. As students head back to school, many parents are taken aback by the numerous expenses that arise. Children, while a joy, can be more costly than anticipated. From swimming or language lessons to catering for the picky eater stage, and the essential purchase of laptops or iPads, it's easy to see where all your money goes.   According to Hang Seng Bank , the estimated annu