Loans · 08/07/2025

When deciding to buy a home, if your rent exceeds the mortgage, you don't plan to move in the future, have good financial health, excellent credit scores, and some market knowledge, purchasing a home can be a wise choice. It is also crucial to understand mortgage options and lock in interest rates.

Finance · 07/21/2025

This article provides fundamental knowledge about using credit cards and loans in the United States, including the use of credit cards, interest rates, and repayment requirements. It discusses safe credit card options and payday loans for immigrants. These financial tools can help individuals build credit history; however, caution is advised to avoid debt pressure.

Loans · 08/04/2025

The continuous rise in U.S. housing prices is influenced by multiple factors, including a housing shortage, a significant increase in mortgage interest rates, and escalating inflation. Homebuyers, particularly first-time buyers, are facing severe challenges. Moving forward, it is crucial to focus on ways to address the tight inventory and reduce the financial burden.

Finance · 08/06/2025

The US stock market has recently experienced a sharp decline, as calls for military strengthening and interest rate cuts under Trump's administration grow. Poor economic data has raised concerns among investors. Additionally, changes in Trump's policies may affect the Federal Reserve's decisions and market confidence, posing serious challenges for the economic outlook in the future.

Finance · 04/10/2025

US CPI unexpectedly slowed down in March, with core CPI also declining. Price drops in energy and used cars were the main drivers. The market anticipates a potential interest rate cut by the Federal Reserve. Attention now turns to the upcoming PCE data for further insights into inflation trends and the Fed's future policy decisions.

Finance · 07/22/2025

Within the Federal Reserve, there are differing opinions on interest rate policy, with many expecting two rate cuts this year. It is emphasized that waiting for inflation to drop to 2% before taking action could negatively impact the economy. Analysis shows that while businesses are under pressure, consumer spending remains relatively stable, providing room for adjustments in monetary policy.

Loans · 07/17/2025

This article provides a comprehensive overview of the latest trends in unsecured loans in the U.S., detailing major lending institutions, their interest rates, loan conditions, and application processes to help readers better understand their options and procedures. Additionally, the article offers tailored loan advice for international students, emphasizing the importance of maintaining a good credit history.

Finance · 07/18/2025

This article introduces the basic concepts and operations of short selling. Investors borrow high-priced stocks and sell them, with the intention of buying them back after the price drops to realize profits. During the trading process, investors must maintain margin, pay interest, and manage associated risks. Understanding the mechanics of short selling is crucial for effective investing.

Finance · 07/18/2025

The Federal Reserve's monetary policy framework faces challenges due to high inflation, which may limit economic recovery. High inflation impacts household and business decisions, prompting the Fed to raise interest rates. To address these changes, key reform directions include evaluating the policy framework, enhancing transparency and flexibility, and improving public communication to ensure economic stability and sustainable growth.

Loans · 07/17/2025

This article provides a comprehensive overview of home mortgage fundamentals in the U.S., including the use of mortgage calculators, how to calculate loan amounts and total costs, and tips for selecting the right interest rates. Additionally, it offers a loan application guide for foreign buyers, emphasizing the importance of understanding market trends to help buyers make informed financial decisions.

Taxation · 07/25/2025

Statistics from the 2021 tax season indicate a decline in the number of tax filings and processing speed compared to 2020, although electronic and personal tax filings saw a slight increase. Despite a decrease in overall refund amounts, public interest in tax policies and economic stimulus has markedly risen, providing important insights for subsequent economic analysis.

Taxation · 08/01/2025

This article explores the strategies tax preparers should adopt when faced with tax penalties. It emphasizes the importance of verifying the accuracy of information and the need for timely responses. Additionally, the article analyzes the calculation methods for penalties and interest issues, aiming to assist tax preparers in better protecting the interests of themselves and their clients.

Taxation · 06/30/2025

The IRS has established the Currently Not Collectible (CNC) policy, allowing taxpayers to temporarily defer tax collection due to financial difficulties. While this can alleviate short-term burdens, it is essential to note that the debt still exists and will accrue interest and penalties. Applicants must submit relevant financial information, which the IRS will use to determine their eligibility.

Loans · 08/04/2025

According to a report by CoreLogic, the U.S. real estate market in 2024 is characterized by a general decline in home prices, an increase in mortgage delinquencies, and a preference for adjustable-rate mortgages among buyers. The waning interest of investors in purchasing properties and a drop in existing home sales indicate a shifting trend towards a buyer's market.

Taxation · 02/27/2025

The IRS's Direct File service allows taxpayers to securely and conveniently submit their federal taxes online for free, supporting both English and Spanish. This service also offers data import functionality and connects to a free state tax filing tool once federal filing is complete, aiming to enhance the overall tax filing experience.