Education · 08/06/2025
ACT Allows Students to Retake Specific Exam Sections
Starting September 2020, the ACT announced a new policy allowing students to retake individual subject tests without having to retake the entire exam, and to combine scores for a higher composite 'superscore.' This policy aims to reduce student stress but has sparked discussions regarding educational equity and fairness in the application process. Currently, over 1,000 colleges have made standardized tests optional, further shifting the competitive landscape for applicants.
Finance · 08/26/2025
US Mortgage Rates and Homebuying Trends to Watch in 2024
This article delves into the key factors influencing US mortgage interest rates, including macroeconomics, inflation, and Federal Reserve policy. In the face of an uncertain market environment, potential homebuyers are advised to closely monitor economic data and policy changes, compare loan terms from different lenders, and develop a reasonable home buying budget based on their financial situation. Home buying decisions should be made cautiously, and consulting with professionals is recommended.
Finance · 07/18/2025
In-depth Analysis of the Federal Reserve Balance Sheet and Its Economic Impact
The Federal Reserve's balance sheet is a crucial tool for its monetary policy, covering its asset and liability structure. This report demonstrates its significant impact on the market economy, particularly after the financial crisis when quantitative easing policies led to a substantial increase in asset balances, reaching $4.5 trillion. Analyzing the balance sheet can aid in predicting the Federal Reserve's policy direction and market trends, especially in terms of performance variations
Education · 07/21/2025
Exploring Popular Majors and Career Prospects at Community Colleges in the United States
Community colleges in the United States offer a variety of professional courses across fields such as humanities, business, and technology, helping students build a foundation for future employment. Additionally, short-term vocational training programs provide convenience for working individuals and students needing to acquire new skills. When choosing a major, factors such as career interests, industry prospects, and costs should be considered to find the most suitable path.
Job Search · 07/21/2025
The Impact and Advantages of Community Colleges on Job Resumes in the United States
This article explores the impact of American community colleges on job resumes, analyzing both their positive and potential negative effects. It provides effective strategies for showcasing community college experiences in resumes. The importance of skills, industry certifications, and internship opportunities gained at community colleges in enhancing job competitiveness is emphasized. Furthermore, it demonstrates how job seekers can leverage these experiences to their advantage and improve their employment prospects.
Job Search · 07/25/2025
Getting Work Authorization in the USA Important Information and Application Guidelines for EAD
This article provides a detailed overview of the Employment Authorization Document (EAD) in the United States, including its definition, eligibility requirements, and application process. The EAD is an essential document for legally working in the U.S. and is available for refugees, asylum seekers, and certain visa holders. Understanding the application steps and preparing the necessary materials is crucial for successfully obtaining work authorization and embarking on a career journey.
Taxation · 07/18/2025
Understanding ITIN and EIN: Application Guide and Practical Differences
This article explores the differences and applications of ITIN and EIN, two types of tax identification numbers. ITIN is designed for individuals without an SSN, primarily used for tax filing and bank account applications, while EIN is a business identification number commonly used for tax and employment purposes. Understanding their application processes and uses is essential for engaging in legal and compliant financial activities in the United States.
Finance · 07/18/2025
The Evolution of Net Interest Margin in the U.S. Banking Sector and Its Relationship with Interest Rate Policies
This article explores the relationship between the net interest margin of the U.S. banking industry, interest rate policy, and Treasury yields, alongside their dynamic changes.
Job Search · 07/18/2025
US Job Market Challenges for H1B Lottery Rejects
The U.S. Citizenship and Immigration Services has announced that the H-1B lottery for fiscal year 2026 is fully subscribed, and there will be no additional draws. Many applicants who were not selected face new challenges. Despite the disappointment, there are several strategies to consider, including looking for exemption visas and exploring other visa options, to seek new opportunities for studying and working in the U.S.
Finance · 06/13/2025
Trumps Appliance Tariffs Raise Costs for Businesses Consumers
The U.S. announced a 50% tariff on imported appliances, including refrigerators and washing machines, effective June 23rd. This affects eight major appliance categories. Businesses will need to adjust supply chains, reduce steel usage, or seek policy support. Consumers may face higher prices for imported appliances. In the long term, this could encourage domestic appliance manufacturers to improve their competitiveness. This move is a significant shift in U.S. trade policy, particularly concerning steel-intensive products and impacting international trade flows.
Job Search · 08/14/2025
US Asylum Seekers Gain Work Permits Through Legal Process
This article provides a detailed guide for asylum seekers who entered the US by walking, focusing on the application process for a US work permit. It outlines the required documents and important considerations. The article emphasizes the connection between asylum applications and work permit applications, recommending that applicants seek professional legal assistance to improve their chances of success. This aims to help new immigrants legally integrate into American society by obtaining employment authorization while their asylum case is pending.
Education · 07/21/2025
Florida Campus Cell Phone Ban Progress Focus on Student Attention and Parent Communication
Florida plans to implement a campus phone ban to enhance student focus, potentially becoming one of the strictest in the nation. The effectiveness of this policy remains to be evaluated.
Finance · 12/14/2023
Analysis Of The Stability Of The US Fiscal Deficit And Public Debt
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.
Job Search · 08/21/2025
Singapore Updates Visa Rules HR Policies for Businesses
This article provides an in-depth analysis of Singapore's immigration visa and human resource policies. It covers permanent residency application eligibility, various work permits, Employment Pass application requirements, work permit exemption activities, and key aspects of HR compliance. The article aims to offer a comprehensive guide for businesses and individuals seeking to expand their operations in Singapore, assisting them in obtaining visas and achieving success in the country. It provides practical insights into navigating the complexities of Singapore's immigration system and HR regulations.
Finance · 05/21/2025
Impact of US Treasury Yield Changes and Budget Bill Discussions
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.