Finance · 07/22/2025

Preferred stock is a type of equity that has priority over common stock in dividend payments and asset distribution, offering a fixed dividend rate and preferential rights. While it comes with limited voting rights, it is highly appealing to investors for its stable returns and risk management benefits. Understanding the characteristics of preferred stock and market dynamics is crucial for informed investment decisions.

Taxation · 07/17/2025

This paper analyzes the tax gap in the United States, highlighting that from 2014 to 2016, the gap reached $496 billion, which includes unreported income, underreporting, and unpaid taxes. It emphasizes the importance of tax compliance and explores the role of policy initiatives and future outlooks aimed at improving overall tax compliance rates to ensure a fair distribution of tax burdens.

Taxation · 07/24/2025

A Limited Liability Company (LLC) is an ideal choice for registering a business in the United States, protecting personal assets from company debts and offering flexible tax options. Establishing an LLC involves minimal paperwork and flexible profit distribution, yet it may be subject to employee benefit tax burdens and ownership transfer restrictions. Understanding the relevant tax filing processes significantly reduces entrepreneurial risks!

Taxation · 07/03/2025

Vietnam and the United States have reached a trade agreement to reduce tariffs to 20%. Huang Guanhua, Executive Director of Xurong Group, noted that while lower tariffs are beneficial, it is necessary to renegotiate profit distribution and adjust the supply chain structure to respond to market changes. Additionally, Xurong will continue to expand its international manufacturing layout to promote sustainable development.

Taxation · 08/13/2025

This article explores the compliance and complexities faced by private foundations during asset disposal, emphasizing the legal risks involved in significant asset liquidation and distribution processes, as well as their importance for the foundation's operation. Proper asset management can not only promote the sustainable development of the foundation but also requires strict adherence to tax regulations to avoid potential legal consequences.

Loans · 07/21/2025

This article discusses the significance of loan history in U.S. loan applications, the relationship between borrowers and lenders in assessing creditworthiness, and the crucial roles of annual percentage rate (APR) and credit scores in home buying. It also introduces an upcoming overseas property investment and immigration education exhibition in Shanghai, alongside a launch event for GMCC's quality loan projects, emphasizing their efforts and impact in meeting market demands.

Finance · 07/21/2025

This article provides an in-depth analysis of the real costs and holding expenses of real estate in the United States, including property taxes and ownership advantages. It emphasizes the importance of a long-term investment perspective and market fundamentals. By deconstructing holding costs, it reveals potential investment opportunities and points out existing cognitive biases. Rational decision-making and understanding institutional safeguards are key to achieving stable value growth.

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.

Apartment Rental · 07/17/2025

This article provides a comprehensive overview of how to handle early lease termination and rental disputes in the United States. It outlines the steps for communicating with landlords, reviewing contracts, subletting, and making payments, emphasizing the importance of legal methods in rental issues. Additionally, it discusses strategies for addressing property disputes, including the options of calling the police and pursuing legal action, to help tenants protect their rights.

Loans · 07/17/2025

This article shares personal experiences and advice on obtaining a home loan while holding an F1 OPT status. It emphasizes the importance of carefully selecting loan types, institutions, and agents, while maintaining a good credit record and transparent source of funds. Additionally, defining property prices and rationally planning loan amounts can facilitate a smoother loan application process. It is hoped that these insights will help more international students successfully achieve their

Insurance · 07/18/2025

This guide provides a detailed overview of the necessity of car and home insurance in the United States and their main types. Car insurance includes liability, collision, and comprehensive coverage, with pricing based on the driver and vehicle conditions. Home insurance protects landlords and tenants against property loss, covering structural damage and personal belongings. By understanding these insurances, international students can better protect their interests and reduce financial risks

Insurance · 07/18/2025

In the United States, international students need not only health insurance but also auto and home insurance. Auto insurance includes liability, collision, comprehensive, and other types, with liability insurance being legally required. Home insurance helps mitigate property loss during unfortunate events. Selecting the right insurance plan and managing risks are crucial to meet legal requirements and protect one’s rights. Additionally, it's important to consider the coverage for potential risks

Insurance · 07/18/2025

This guide details the types and regulations of auto and home insurance in the United States. Auto insurance includes liability, collision, and comprehensive coverage, with legal requirements mandating that every vehicle on the road must be insured. Home insurance is applicable to both homeowners and renters, covering various aspects such as property structure and personal belongings. Understanding and selecting the appropriate insurance can effectively protect personal assets and safety

Apartment Rental · 07/17/2025

Renting has become a significant challenge and expectation for young people in today's society. From property type and layout to furniture configuration and contract details, individuals need to pay attention to every aspect to secure their ideal home. This article outlines the key steps in renting, including verifying the landlord's identity, contract requirements, cost breakdown, and responsibility allocation. It aims to provide tenants with comprehensive rental guidance, protect their

Taxation · 08/07/2025

The IRS recently released important tax guidance, including applicable price indices for the LIFO inventory assessment method and adjustments for low-income housing credit bonds. This aims to aid businesses in reducing tax burdens while ensuring compliance. Additionally, it clarified the tax-exempt rules for capital gains on the sale of residential property and strengthened the management of taxpayer identification numbers, aimed at enhancing the accuracy and efficiency of tax processing.