Finance · 07/18/2025

Mortgage-Backed Securities (MBS) are based on home mortgages, allowing investors to profit from borrower repayments. The 2008 financial crisis stemmed from this.

Finance · 07/02/2020

This report analyzes 12 key risk indicators in the U.S. financial market for June 2020, revealing the overall risk status of the market. The data shows a slight increase in overall risk levels, but several key areas have shown improvement. Liquidity, foreign exchange, and credit risks have improved; however, the volatility in the banking stock market has intensified, warranting attention. In summary, while the financial environment is gradually recovering, potential risks remain high.

Construction & Real Estate · 07/17/2025

This analysis focuses on the recovery of the U.S. residential real estate market and its impact on the economy, highlighting the structural differences compared to the bubble period of 2006.

Finance · 12/14/2023

This analysis examines the current state of the U.S. fiscal deficit and public debt, highlighting the need for policy responses to the threats posed by uncontrolled debt expansion on the economy.

Taxation · 07/17/2025

This paper analyzes the tax gap in the United States, highlighting that from 2014 to 2016, the gap reached $496 billion, which includes unreported income, underreporting, and unpaid taxes. It emphasizes the importance of tax compliance and explores the role of policy initiatives and future outlooks aimed at improving overall tax compliance rates to ensure a fair distribution of tax burdens.

Culture · 04/09/2025

The Trump administration's implementation of high tariffs aimed at revitalizing manufacturing is seen as a risky illusion by Viahart CEO Hart. The primary concerns are the high production costs in the U.S. and the fragile industrial supply chain, which cannot withstand such measures. Revitalizing the manufacturing sector requires a focus on long-term development rather than short-term gains.

Education · 01/26/2025

This paper delves into the 2025 emergency notification system test at the University of Miami, highlighting its crucial role in campus safety. It explores the construction of an efficient and reliable emergency notification system through multi-channel information delivery, analysis of technical challenges, and learning from the experiences of other universities. The paper also looks towards future development directions, aiming to enhance campus safety and security capabilities. The research emphasizes the importance of robust testing and continuous improvement to ensure effective communication during emergencies.

Job Search · 09/02/2025

This article provides an in-depth analysis of how international students in the US can balance academics and financial pressures through on-campus employment. It details the work restrictions for F1 visa holders, types of on-campus jobs, salary information, application procedures, Social Security Number (SSN) acquisition, and tax obligations. The article encourages students to actively apply for scholarships to alleviate financial burdens and ultimately achieve their study abroad dreams. It covers crucial information for navigating the complexities of working while studying on an F1 visa.

Education · 10/02/2024

Notre Dame alumni have made outstanding contributions in service and philanthropy. Figures like William Houston safeguard national security, Martin Regalia provides legal aid to vulnerable populations, and Christine Comizio Sheehan promotes youth sports. Through initiatives like RouteND and various social movements, the University of Notre Dame cultivates a strong sense of social responsibility in its students. These alumni embody the university's spirit of 'Faith, Learning, and Service' through their actions, demonstrating a commitment to making a positive impact on the world and serving the common good.

Education · 06/11/2025

The disbandment of the US CDC's Advisory Committee on Immunization Practices (ACIP) raises concerns about political interference in public health. Dissolving ACIP disrupts the scientific integrity and independence of vaccine policy formulation. This could lead to a crisis of public trust in vaccines, ultimately jeopardizing public health security. Rebuilding trust and ensuring the scientific basis of public health decisions are now critical challenges. The move is seen as a concerning precedent that could politicize future public health initiatives and undermine the credibility of expert recommendations.

Education · 03/03/2025

This paper explores the impact of the Clery Act on promoting safety transparency in higher education. It analyzes specific case studies from universities such as Ohio State University, New Jersey institutions, and Louisiana State University. The study emphasizes the importance of information disclosure, enhanced safety education, and continuous monitoring of Clery Act updates for colleges and universities. By prioritizing these aspects, institutions can improve overall campus safety and security for students, faculty, and staff. The goal is to foster a safer and more informed campus environment.

Finance · 08/14/2025

Interactive Brokers (IBKR) stands out as a professional choice for unlocking global investment opportunities, thanks to its exceptional global market connectivity, professional pricing, powerful trading platform, trusted security, and abundant educational resources. Investors can conveniently trade a diverse range of assets across 160 markets worldwide with IBKR, benefiting from low commissions and competitive interest rates. IBKR provides comprehensive support and services to its clients, making global investing more accessible and efficient. It's a compelling option for those seeking broad market access and cost-effective trading solutions.

Finance · 04/22/2022

This article explores the importance of pensions in senior dating, highlighting the limitations of solely relying on social security for retirement. It introduces savings insurance as an advantage for diversified retirement planning. Through case studies, it demonstrates the role of savings insurance in increasing retirement income and ensuring a secure life in old age. The article also presents key considerations for choosing savings insurance, aiming to help readers better plan for their retirement. Diversifying retirement income is crucial for a comfortable and fulfilling later life.

Apartment Rental · 11/03/2025

Yugo Bermejales student residence offers an excellent location, comprehensive facilities, all-inclusive fees, a balanced study and leisure environment, and reliable security in Seville. The residence aims to create a comfortable and convenient study abroad experience for students, fostering a vibrant and international community. It's an ideal accommodation choice for students studying in Seville, providing a supportive and enriching living environment that enhances their academic and personal growth. With its focus on student well-being, Yugo Bermejales ensures a seamless transition to life in Seville.

Education · 07/01/2025

This paper focuses on addressing the 'basic needs' security of university students in the United States. It analyzes the operational model of the 'Pack Essentials' program at North Carolina State University. By comparing and contrasting innovative initiatives at various universities, the study explores the systemic challenges in meeting students' fundamental needs. From the perspectives of students, institutions, and policymakers, it proposes strategies to create a more equitable and supportive higher education environment. The aim is to provide insights for building a system that better addresses student needs and promotes educational fairness.