Finance · 07/18/2025

This article introduces the basic concepts of futures trading, including the definition of futures contracts, margin systems, settlement methods, and market classifications. As a highly liquid and low-cost financial derivative, futures attract many investors. The historical background and development of futures make them a tool for price protection for agricultural products and other commodities, while also being applicable to stock indices and government bonds.

Education · 09/18/2023

In the U.S., immigrant parents face challenges in finding childcare while they work or study, making daycare services a necessary option. For inexperienced parents, services like family daycare or childcare centers provide essential support. Choosing the right care can alleviate financial burdens, and leveraging help from friends or family members is also a viable solution. Additionally, understanding state regulations is crucial for ensuring children's safety.

Finance · 07/24/2025

This guide offers comprehensive learning resources for beginners in US stock investment, covering why to invest in US stocks, developing an investment mindset, and how to select stocks and ETFs. With our learning tools and decision support, you'll master everything from basic concepts to complex strategies, making it easy to participate in the world's largest stock market.

Education · 07/21/2025

Community colleges are favored by students for their low tuition and flexible courses. Many choose to study at community colleges before transferring to four-year universities, which not only eases financial burdens but also enriches learning and activity opportunities. Transferring enhances educational quality and provides students with scholarship support, allowing them to focus on their studies and future development. This path adds assurance to students' educational and career success.

Insurance · 07/21/2025

Business insurance is a vital tool for companies in managing risk, categorized into seven classes: business owner insurance, property insurance, liability insurance, product liability insurance, errors and omissions insurance, business income insurance, and automobile insurance. These types of insurance provide comprehensive risk protection, helping companies safeguard their assets, address potential legal liabilities, and mitigate financial losses. Selecting appropriate business insurance is crucial for ensuring the sustainable development of a business.

Insurance · 11/14/2022

A Forbes report indicates that South Dakota has the highest healthcare costs in the U.S., with an average per capita expenditure of $11,736. Nearly half of the adults in the state have not received mental health treatment. Additionally, Louisiana ranks second in costs, while Florida's physician visit rates are affected by financial issues. Michigan has the lowest costs. These data highlight significant disparities in healthcare affordability across U.S. states.

Apartment Rental · 07/21/2025

This article provides a housing guide for international students in the United States. It emphasizes the importance of clearly defining one’s housing needs and suggests utilizing resources from friends and family, as well as online forums from the Chinese Students and Scholars Association at schools, to help international students tackle housing challenges. By employing these methods, students can effectively increase their chances of finding suitable accommodation and reduce their financial stress.

Education · 01/10/2024

The cost of higher education in the United States is rising, with the ten most expensive universities in 2023 including Sarah Lawrence College, Harvey Mudd College, and Columbia University. Their annual tuition fees generally exceed $60,000, placing a significant financial burden on students' families. These prestigious institutions attract talented students from around the world; however, the pressure of tuition costs in the pursuit of higher education cannot be overlooked.

Finance · 07/22/2025

Independent Risk Management (IRM) is a crucial component of financial institutions, serving as a second line of defense to oversee risk activities in U.S. branches. IRM is committed to supporting business units in making prudent decisions through a robust risk governance framework, ensuring corporate compliance and a healthy culture. This framework encompasses various types of risks, enhancing risk control capabilities and laying the groundwork for the sustainable development of the enterprise.

Education · 07/22/2025

The University of Notre Dame, located in South Bend, Indiana, is renowned for its religious atmosphere and academic reputation. The campus is beautiful, with particularly strong programs in business and liberal arts, offering students abundant academic resources. Although winter can be long and harsh, social activities and sports events provide enjoyment for students. The university promotes volunteerism and actively offers financial aid, dedicated to enhancing the overall educational experience.

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.

Finance · 07/24/2025

This article introduces essential tools for investors, including systematic investment plans and annualized return calculators, along with a simple user guide and steps for backtesting investment projects. These tools enable investors to effectively assess risks and potential returns, allowing them to develop suitable investment strategies. Additionally, the importance of dividend records in investment decision-making is emphasized, encouraging investors to utilize these relevant tools to enhance their financial management efficiency.

Loans · 08/06/2025

This article provides a detailed overview of the functions and usage of a mortgage calculator, covering aspects such as mortgage types, interest rates, property taxes, and insurance costs. It assists homebuyers in understanding how to calculate their monthly mortgage payments and related expenses. Additionally, the article offers suggestions on extra repayments, loan term choices, and risk comparisons, enabling users to make informed financial decisions when purchasing a home.

Finance · 08/26/2025

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.

Education · 08/07/2025

Ambassador Christian School, located in Torrance, California, was established in 2013 as a private Christian school for international students. The school offers 16 AP courses and has 80% of its teachers holding advanced degrees, aiming to help students gain admission to top universities. In 2024, some graduates were accepted into several prestigious institutions. Additionally, the school provides various financial aid options to support students from regions like Vietnam.