Finance · 07/23/2025

This article provides essential knowledge for effectively managing finances in the United States, including guidance on opening bank accounts, using checks and debit cards, applying for public benefits, budgeting, borrowing and credit, international remittances, and understanding income taxes. It aims to assist new immigrants or residents in better managing their finances.

Finance · 07/23/2025

This article delves into the concept of net worth and its significance, analyzing how to increase family net worth through property appreciation and loan repayment. It helps homebuyers and homeowners effectively utilize this financial asset to achieve financial freedom.

Insurance · 07/24/2025

This article provides a detailed analysis of common types of supplemental insurance in the United States, including accident insurance, critical illness insurance, hospitalization insurance, dental and vision insurance, cancer insurance, and life insurance. By exploring the characteristics and target demographics of each type, it assists readers in effectively managing their insurance budget and ensuring adequate risk and health protection.

Finance · 07/23/2025

This article introduces the basics of financial management for living in the United States, covering topics such as opening bank accounts, budgeting, remittance methods, and tax knowledge. It aims to assist immigrants in better integrating into their new environment, managing personal finances, and improving their quality of life.

Finance · 07/17/2025

The U.S. money market, as one of the most developed in the world, has rapidly risen to showcase its strong market appeal. Its characteristics include an intangible market operation, high competition, and a primary composition of the Treasury bill market and the federal funds market, which provide a solid foundation and stable support for the U.S. economy.

Loans · 07/18/2025

This article discusses the necessary proof of funds and remittance methods for purchasing a home in the US, including detailed requirements for both cash and mortgage purchases. Buyers must provide the seller with bank proof of funds and pre-approval for loans. Additionally, the article addresses the legal restrictions and effective strategies for Chinese citizens conducting cross-border remittances, advising buyers to choose appropriate methods to ensure a smooth home buying process.

Finance · 07/18/2025

Yankee bonds are securities issued by foreign borrowers in the U.S. market. They have rapidly developed in recent years due to financial reforms, becoming an important financial instrument.

Finance · 07/18/2025

This article explores the composition of the U.S. financial markets, including the money market and capital market. It analyzes key instruments in the money market, such as Treasury bills, federal funds, and commercial paper, while discussing the structure of the U.S. capital market, covering both the bond and stock markets. The article also emphasizes the functioning of financial markets and their impact on the economy, aiming to help readers understand the complexity and significance of the

Taxation · 07/25/2025

The "Tax Cuts and Jobs Act" has had a significant impact on individuals, businesses, and tax-exempt organizations. This article analyzes how various taxpayers should respond to the new tax law changes and their potential financial implications.

Loans · 07/22/2025

This article provides an in-depth analysis of Home Equity Line of Credit (HELOC), including its definition, calculation methods, and associated risks and benefits. It aims to help readers better utilize this financial tool to achieve their personal finance goals.

Finance · 07/28/2025

AMEX offers investors a wealth of trading opportunities, simplifying the trading process and aiding in portfolio diversification. In-depth analysis of market data and company financial reports is key to success, while maintaining market sensitivity and strategic planning is crucial.

Finance · 08/14/2025

This article, in the style of an educational blogger, provides an accessible introduction to commonly used financial metrics and valuation methods in US stock value investing, including shareholder equity, price-to-cash-flow ratio, and enterprise value multiple. It aims to help novice investors understand these key concepts, improve their financial analysis skills, and ultimately make better investment decisions by identifying undervalued, high-quality companies in the market. This guide simplifies complex topics to empower new investors.

Finance · 07/15/2025

The American investment market is complex and dynamic. Understanding the fundamentals of investing, macroeconomics, company valuation analysis, technical analysis, and commodities investment is key to success. By deeply analyzing various financial concepts and practical strategies, investors can make informed decisions in the market environment, achieving asset appreciation. Effectively applying this knowledge will help reduce investment risks and seize valuable market opportunities.

Finance · 12/14/2023

This report provides an in-depth analysis of the background, characteristics, and main tools of the Federal Reserve's structural monetary policy, assessing its role in financial markets and economic recovery during financial crises and recessions. Structural monetary policy addresses the limitations of traditional monetary policy with its flexibility and targeted approach; however, it also faces challenges such as liquidity traps and moral hazard. In the future, the Federal Reserve must balance these relationships to ensure the effectiveness and stability of its policies.

Taxation · 07/23/2025

This article provides a detailed analysis of the conditions and filing requirements for dependents, highlighting the different criteria for qualifying children and qualifying relatives. It aims to assist taxpayers in accurately reporting their dependents to obtain tax benefits, thereby enhancing their household financial management skills.