Lawyers · 07/22/2025

This article delves into debt set-off under U.S. bankruptcy law, analyzing the fundamental conditions for set-off, requirements before and after filing, and its limitations regarding fairness and public policy. Understanding these aspects aids both debtors and creditors in better protecting their rights.

Insurance · 07/22/2025

This article provides an in-depth analysis of the necessity of car insurance in the United States and the main types of coverage, including liability, collision, and comprehensive insurance. It offers comprehensive insurance knowledge and practical advice for international students and new drivers, helping them effectively manage unexpected risks while driving.

Taxation · 07/23/2025

This article delves into the types and applications of corporate tax credits and deductions, highlighting their positive impact on business finances. It emphasizes the importance of effectively utilizing these tax tools to help businesses reduce tax burdens and enhance competitiveness.

Taxation · 07/23/2025

This article delves into the key elements of tax management for businesses and self-employed individuals, including the role of EIN, the reporting of employment taxes and estimated taxes, FATCA compliance requirements, and tax incentive strategies. It aims to assist businesses in enhancing their compliance and financial management capabilities.

Finance · 07/24/2025

REITs (Real Estate Investment Trusts) provide investors with an opportunity to participate in the real estate market without the need for direct property management. Despite the impact of high interest rates, the market outlook remains optimistic. This article introduces the concept of REITs, their types, advantages, risks, and effective REITs ETF investment options.

Finance · 07/24/2025

The BoA Customized Cash Rewards credit card is known for its no annual fee and customizable cash back options. While it is beginner-friendly, the cap on rewards and the complexity of its structure limit its appeal, making it suitable for users with specific spending needs.

Finance · 05/23/2025

The cybersecurity industry is experiencing rapid growth, driven by increasing demand due to digital transformation and rising cyberattack frequency. Investors can capitalize on this trend by focusing on related public companies and cybersecurity ETFs such as CIBR and HACK. With the introduction of artificial intelligence technologies, innovation and market size in the cybersecurity sector are expected to continue expanding, presenting a vast market outlook.

Finance · 07/24/2025

New housing start data serves as a leading indicator of the U.S. economic condition, impacting various sectors such as real estate and banking. It is measured through building permits, the number of starts, and housing completions. Housing starts are significantly affected by interest rate fluctuations; low rates encourage home buying, while high rates dampen consumption. Recent data shows an increase in housing starts, and the future outlook for investment and the economy is closely tied to inflation control.

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.

Taxation · 07/15/2025

This article presents various statistical data about the U.S. tax system, covering information on corporate taxes, personal income taxes, and charities. These data provide important insights into tax policies and their impact on life and the economy.

Telecom · 07/17/2025

This article provides a comprehensive review of Twigby's phone card service, examining its strong reliance on the Verizon network, plan options, price changes, and performance in basic functions such as calls and texts. Additionally, it analyzes the pros and cons along with the customer service experience, offering reference suggestions for users contemplating a carrier switch, helping them make informed decisions.

Loans · 07/18/2025

In mortgage applications, borrowers can choose to apply through banks or loan brokers. The difference lies in that banks serve the retail market while loan brokers operate in the wholesale market. About 50% of loan applications are conducted this way. Loan brokers offer a variety of options from multiple banks, personalized loan plans, and professional services, with their commissions paid by the lending banks, showing a greater focus on the clients' interests. Choosing a professional loan

Loans · 07/18/2025

This article provides a detailed analysis of the calculation methods for mortgage interest in the United States and various repayment options. It introduces the formulas and pros and cons of the equal principal repayment and equal total payment methods, emphasizing basic concepts of principal and interest. By using examples, it illustrates the impact of different repayment methods, assisting borrowers in choosing a repayment plan that suits their needs.

Finance · 06/13/2025

U.S. stock index futures fell significantly on Friday due to global market concerns following Israel's attack on Iran. Despite rising oil prices, tech stocks are still under pressure. Comments from NVIDIA's CEO highlighted the impact of export restrictions on the company's business, potentially affecting market expectations for its future performance. Overall market sentiment has been volatile, with investors adopting a cautious approach.

Telecom · 05/21/2022

eSIM cards are becoming increasingly popular in the United States, allowing users to easily switch numbers and carriers while supporting multiple numbers, enhancing convenience.