Travel · 07/15/2025

A road trip is the best way to experience the USA. The car rental industry is well-established, offering a variety of models with prices generally ranging from $15 to $90 per day. Economy cars like the Corolla start at $35, mid-size cars like the Infiniti Q50 from $90, and SUVs like the Compass from $45. Rental costs are influenced by season and rental duration, with off-peak times being cheaper and longer rentals offering discounts. Bringing a GPS and choosing appropriate insurance can help red

Finance · 07/15/2025

This article explores the advantages of investing in the U.S. stock market, highlighting a wealth of quality companies, high market returns, a stringent regulatory environment, and diverse trading options. It also warns investors to be mindful of investment risks and provides an overview of market trading hours and mechanisms. By understanding this information, investors can plan their U.S. stock investment strategies more effectively and prepare for maximizing their returns.

Loans · 07/18/2025

In the United States, student loans are categorized into federal and private loans. The application process is straightforward, but it is essential to plan appropriately to manage loans and finances effectively.

Finance · 07/18/2025

Immigrant entrepreneurs in the U.S. face significant challenges in securing funding. Federal and state government business grant programs can help reduce startup costs by up to $40,000. This article provides an overview of business grants, eligibility for immigrant and minority groups, and various types of federal funding available. It also outlines the application process for these grants, offering practical resources for immigrants to support their entrepreneurial dreams.

Finance · 07/18/2025

Non-residents face challenges accessing banking services in the U.S. This article recommends four top banks for non-residents: Chase, Bank of America, Wells Fargo, and HSBC. These banks offer convenient account opening options, low fees, and comprehensive online services suitable for various customer needs. It is advised to prepare the necessary documents and choose the right bank during the account setup process to ensure a smooth experience and meet individual banking requirements.

Taxation · 07/18/2025

This article explores the tax obligations related to reporting overseas income and the mechanisms for exemptions. It emphasizes that U.S. tax residents must declare their global income and provides a detailed analysis of tax reduction strategies such as the Foreign Earned Income Exclusion (FEIE) and Foreign Tax Credit (FTC). Effectively utilizing these tools can help avoid double taxation and reduce the overall tax burden.

Taxation · 07/18/2025

Form 5471 is primarily used for U.S. citizens and residents to report their investments and management in foreign companies. Submission requirements include owning shares of a foreign company or serving as an executive or director. The information required is related to the ownership percentage and must be submitted by the tax filing deadline; late submissions incur significant penalties. Compliance is crucial to avoid fines.

Finance · 07/18/2025

The 401k plan is a retirement savings system introduced by U.S. companies to encourage employees to save for the future. Established in 1978, employees can voluntarily participate by contributing a portion of their income from pre-tax earnings, with restrictions on withdrawals until a certain age. Employers often match contributions based on the employee's input. Key benefits of the 401k plan include tax deferral and options for long-term investments, promoting economic flexibility.

Finance · 07/18/2025

This article explores the development and structure of the U.S. financial markets, focusing on the characteristics and advantages of the money and capital markets. The U.S. money market demonstrates strong competitiveness and liquidity in an intangible form, encompassing a diverse range of financial instruments. Meanwhile, the open policies of the capital market allow various companies to access financing and encourage foreign investments, providing abundant opportunities for global investors.

Education · 07/18/2025

U.S. college admissions policies are becoming more flexible, with many institutions no longer requiring SAT or ACT scores. This shift reflects the demand for educational equity and focuses on diverse student talents. Recent research indicates that early cognitive abilities have a much greater impact on achievement than standardized test scores, and grade-skipping can significantly enhance the learning outcomes for gifted students. In response, we need to reevaluate and innovate educational

Telecom · 04/26/2024

The main reason for the annual increase in broadband costs in the U.S. is price discrimination, where companies gradually raise prices after initial discounts to boost profits. Due to market monopolies and consumers' habits of tolerating small price hikes, many do not choose to switch providers. In response, professional organizations can advocate for users' rights to lower prices, helping consumers save money and time.

Education · 07/18/2025

This article provides an overview of the public school system in the United States for immigrant families, covering information such as enrollment, curriculum, and student rights.

Insurance · 07/18/2025

This article provides an in-depth analysis of car insurance requirements in the U.S., including essential coverages, optional features, and money-saving strategies. It also presents a ranking of insurance companies to assist readers—especially new immigrants and international students—in making informed insurance choices and avoiding unnecessary financial losses. By thoroughly understanding various coverage types and recognizing common pitfalls, readers can more effectively manage their insurance expenses and achieve real savings.

Education · 07/18/2025

This guide outlines the rights and support measures for immigrant children receiving education in the United States. All children have the right to free public education, including enrollment procedures and required documentation. Schools support students through grade and class divisions, while laws protect the rights of immigrant students and provide necessary language assistance. Parents are encouraged to be actively involved to help their children succeed in school, and school staff are responsible for ensuring the comprehensive development and support of students.

Transportation · 07/17/2025

Understand the traffic rules in the United States, including traffic lights, speed limits, and parking regulations, to ensure a safe road trip.