Transportation · 07/17/2025

Subways in the United States offer an economical and convenient public transportation option. This article provides a detailed guide on purchasing tickets and riding the subway, along with practical safety tips for new immigrants. It covers the advantages of subways, how to adjust to the subway system, and essential riding precautions. The aim is to enhance readers' understanding and adaptability to the U.S. subway system.

Education · 01/03/2025

The 2025 Big Ten Academic Alliance Neuroscience Conference focuses on interdisciplinary collaboration to advance brain research. The conference will bring together experts from diverse fields to discuss cutting-edge technologies and address challenges faced by women in science. The goal is to foster a thriving brain research ecosystem. Discussions will span various topics, promoting knowledge sharing and collaborative efforts. This event aims to accelerate discovery and innovation in neuroscience through the power of interdisciplinary partnerships and by supporting the contributions of women researchers.

Travel · 08/13/2025

Alaska attracts international students with its unique geographic location and diverse culture, offering abundant learning and living opportunities. The state not only hosts notable institutions of higher education but also provides an ideal environment for various research. Although the climate and geographic position pose challenges, they also nurture students' growth and independence.

Finance · 02/10/2025

Rivian is ending its exclusivity agreement with Amazon, opening its commercial electric van sales to all businesses. This aims to diversify revenue streams and address market competition. The move is expected to broaden market reach, reduce costs, and enhance business resilience. Rivian remains committed to fulfilling Amazon's 100,000-vehicle order and has initiated a pilot program with AT&T. The company is also actively resolving component shortages and improving operational efficiency to support this expansion.

Taxation · 07/18/2025

Discover 13 tax deduction methods for self-employed individuals to help you save effectively. This includes deductions related to home office expenses, phone and internet costs, health insurance, business meals, travel, vehicle use, advertising, and education. Maintaining clear financial records ensures compliance and helps you confidently take advantage of tax benefits.

Taxation · 08/01/2025

This article explores the tax rules related to asset disposal, covering the calculation of gains and losses, their nature, and tax reporting regulations. It includes special considerations for business assets and identifies transactions that are not within the scope of discussion, helping readers to clearly understand the relevant tax requirements.

Finance · 07/17/2025

This article provides a detailed analysis of the process for applying for credit cards and bank accounts in the United States. It covers the necessary preparations before opening an account, the ITIN/EIN application, types of credit cards, credit record inquiries, and major banking services like Zelle. Practical advice is offered for new immigrants to help them successfully establish credit and a banking system. The article emphasizes the importance of choosing the right bank, understanding key

Insurance · 07/17/2025

In the United States, rental apartment insurance is categorized into landlord, tenant, and natural disaster coverage. Understanding the protection offered, associated costs, and the claims process is crucial.

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.

Insurance · 07/17/2025

As natural disasters become more frequent, renter's insurance is increasingly vital for tenants to protect their property. The main coverage areas include natural disasters, temporary housing, valuable items protection, and liability insurance. Additionally, it is essential to understand the pricing and exclusions involved. This guide helps you gain insight into the benefits of renter's insurance, how to apply for it, and how to choose the right insurance company.

Loans · 07/18/2025

This article introduces several well-known personal loan platforms in the United States, including SoFi, LendingClub, and Prosper, highlighting their features and advantages, as well as how they facilitate interaction between borrowers and investors. Other platforms like PayPal Credit and Discover Personal Loans are also briefly mentioned, and readers can find more details on their official websites.

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.

Taxation · 07/18/2025

This article explores tax treatment and tax minimization strategies when selling property in the U.S. It covers property transaction taxes, federal capital gains tax, and tax obligations for foreign sellers. Five tax-saving methods are proposed, including retaining renovation receipts, exemptions for primary residences, and like-kind exchanges. Additionally, it discusses optimizing taxes through inheritance and emphasizes the importance of professional consultation to ensure compliant and

Finance · 07/18/2025

The Federal Reserve's balance sheet is a crucial tool for its monetary policy, covering its asset and liability structure. This report demonstrates its significant impact on the market economy, particularly after the financial crisis when quantitative easing policies led to a substantial increase in asset balances, reaching $4.5 trillion. Analyzing the balance sheet can aid in predicting the Federal Reserve's policy direction and market trends, especially in terms of performance variations

Finance · 07/18/2025

Credit Default Swaps (CDS) are a type of financial derivative primarily used for credit risk management. The buyer pays a fee in exchange for protection against the issuer's default. CDS are crucial in financial markets as they help institutions hedge risks and provide investors with tools for credit risk assessment. This article explores the concept, history, trading mechanisms, investment strategies, and risks associated with CDS, aiming to help investors understand their value in the