Finance · 07/17/2025

This article presents 12 no-annual-fee credit cards in the U.S. worth considering, including popular options like Chase Freedom Unlimited and Chase Freedom Flex, which offer generous cash back and rewards points. Additionally, it recommends certain credit cards that provide 5% cash back in specific categories and cards that offer high cash back for everyday spending, giving consumers a wide range of choices to enhance spending efficiency and quality of life.

Loans · 07/17/2025

This article explores the various types of small business loans available for immigrants applying in the U.S., including application requirements and considerations. By understanding different financing options such as term loans, SBA loans, working capital loans, equipment loans, short-term loans, and business credit cards, immigrants can select the appropriate loan type based on their needs and learn how to build a credit history to enhance their chances of successful loan applications.

Loans · 07/18/2025

This article analyzes the factors affecting refinancing time after purchasing a home in the United States, including credit scores and loan types. It is advised to consult professionals for guidance.

Education · 07/25/2025

This article discusses the process of successfully transferring international credits in the United States, emphasizing the importance and procedures of transcript evaluation. It offers guidance on how to obtain transcripts and what to pay attention to, while also advising the selection of reputable evaluation service agencies to meet U.S. educational standards.

Taxation · 03/28/2025

The Earned Income Tax Credit (EITC) policy, implemented in 1975, has become one of the largest anti-poverty programs in the United States, helping millions of families escape poverty. By 2024, 23 million families will receive $64 billion in support, with the maximum EITC amount continuously increasing. This policy not only improves economic conditions but also aids families and individuals in achieving long-term financial stability and self-actualization.

Education · 07/25/2025

This article explores how to convert foreign credits into courses acceptable within the U.S. education system, emphasizing the importance of transcripts and the critical preparation of materials during the evaluation process. Understanding the requirements of the target institution and effective communication with the evaluation office are vital for enhancing international students' chances of obtaining educational credentials.

Finance · 05/21/2025

US Treasury yields have risen due to the budget bill and a downgrade in credit ratings by Moody's. Investors are closely monitoring policy changes and housing market data, facing a complex investment environment and risk challenges.

Finance · 07/25/2025

Understanding financial management in the United States, covering practical information on opening bank accounts, creating budgets, using credit cards, and remittances. This knowledge helps new immigrants adapt to financial life in America, ensuring economic independence and stability.

Taxation · 08/13/2025

This article provides guidelines for addressing audits related to the Earned Income Tax Credit (EITC), emphasizing the importance of required documentation and communication with the tax authorities. It offers clear guidance on the audit process for taxpayers.

Taxation · 08/12/2025

The latest IRS announcement includes important aspects such as new refundable tax credit policies, updates on classifications for tax-exempt organizations, and processes for changes in accounting methods. This provides taxpayers with timely policy guidance and compliance recommendations.

Taxation · 08/07/2025

This article discusses the concept, formation, and impact of federal tax liens, highlighting their detrimental effects on personal finances and credit. It offers effective pathways for lien release, helping you understand the legal significance and consequences of tax liens.

Finance · 07/25/2025

This article outlines the types of financial institutions in the United States, including the pros and cons of commercial banks and credit unions. It emphasizes the importance of new immigrants in choosing financial services and recommends learning about financial knowledge.

Finance · 08/07/2025

When investing in real estate, selecting properties with appreciation potential requires attention to six key factors: performance, price, financial status, tenant credit, vacancy rate, and holding strategy. These elements will assist buyers in making informed decisions to rapidly achieve wealth growth.

Loans · 07/22/2025

When applying for a mortgage in the U.S., both identity and repayment ability are crucial. Understanding how different visa categories affect loans, as well as assessing credit history, monthly debt-to-income ratio, and property value, can significantly assist buyers in obtaining financing.

Taxation · 03/28/2025

Since its implementation in 1975, the Earned Income Tax Credit (EITC) has alleviated economic pressure for millions of low-income families. Over the past 50 years, the EITC's amount and coverage have significantly increased, providing crucial financial support that helps families escape poverty.