Loans · 07/24/2025

This article provides a detailed guide for international students in the U.S. on the entire process of obtaining a loan for car purchases. It covers loan types, necessary documents, choosing loan institutions, and the steps for vehicle buying and registration, helping international students easily achieve their dream of owning a car.

Education · 07/25/2025

The TOEFL exam is an important criterion for measuring English proficiency, aiding in academic admissions and job opportunities. This article covers the definition of TOEFL, exam content, registration process, and preparation strategies, helping candidates gain a comprehensive understanding and effectively prepare for the test to enhance their English communication skills.

Education · 07/28/2025

This article introduces the GED and HiSET, two high school equivalency tests in the U.S., designed to help individuals who did not complete high school obtain their diplomas. It details the exam content, registration process, and preparation resources, highlighting the significance of obtaining a diploma for career advancement and further education.

Taxation · 07/18/2025

This article discusses the tax regulations for charitable and nonprofit organizations in the United States, including newly introduced clean energy tax credit opportunities. Specific institutions can utilize IRS office hours and pre-filing registration tools to receive assistance with selective payments and credit transfers, thereby achieving more effective financial management.

Education · 07/21/2025

In recent years, leading US universities have launched several new master's programs that offer low competition, high success rates, and flexible application requirements, providing new avenues for students aspiring to apply to prestigious schools. This article details the advantages of these new programs and specific application requirements, offering comprehensive reference information to help applicants find suitable programs and enhance their chances of admission.

Loans · 07/21/2025

In the U.S. home loan process, applying for pre-approval is a crucial step. It assesses the borrower's financial situation and provides proof of loan eligibility, helping buyers define their budget and enhance their competitiveness. Obtaining pre-approval can also effectively prevent negative impacts on credit scores. Understanding the validity period and renewal process of pre-approval aids homebuyers in successfully completing their transactions.

Transportation · 07/21/2025

Overview of drunk driving regulations in the U.S. for 2025: BAC standards, penalties, and educational programs aimed at reinforcing safety awareness.

Apartment Rental · 07/21/2025

The US rental market has recently experienced significant changes, with rents in 23 major cities decreasing year-on-year, leading to stronger bargaining power for tenants due to shifting supply and demand dynamics. The national median rent has fallen by $63 from its peak in August 2022, gradually stabilizing. However, as new apartment supply increases, this downward trend in prices may not be long-lasting, making it crucial for tenants to seize current opportunities.

Finance · 07/22/2025

The significant rise in U.S. long-term Treasury yields has attracted widespread market attention, impacting global asset pricing, economic outlook, and capital flows. This paper explores the recent trends in long-term interest rates, analyzing their underlying causes and potential effects. It argues that high long-term rates reflect economic growth resilience and market confidence, while also cautioning against the risks of a prolonged high-rate environment.

Finance · 12/14/2023

This article explores the recent surge in the yield of U.S. long-term government bonds, its causes, and global implications. The rise in long-term interest rates is a direct response of the market to changing expectations about the future economy, affecting global asset pricing, capital flows, and exchange rates. By analyzing the difference between nominal and real yields, we gain insight into market expectations for the economy and inflation. This trend may have profound effects on the international financial environment in the future.

Finance · 07/22/2025

This article analyzes the positive impact of the "Too Big to Fail Act" passed by the U.S. Senate on the U.S. stock market and discusses the market outlook for July and August. Data indicates that ETFs focused on innovative research and development have shown exceptional performance. Investors need to consider risks and opportunities, particularly in identifying potential investment targets among technology and innovation-related companies.

Education · 07/22/2025

This article provides a detailed overview of the visa application process and housing options for studying in the USA, aiding students in smoothly tackling various preparations before studying abroad. It covers exam requirements, visa procedures, important considerations for renting, and financial aspects of studying abroad, helping students embark on their study journey successfully.

Finance · 07/22/2025

In the first half of 2025, retail investor trading in the U.S. stock market reached $6.6 trillion, with purchases and sales of $3.4 trillion and $3.2 trillion, respectively, demonstrating strong buying confidence. According to Vanda Research, net buying amounts hit a historic high, driving active trading in individual stocks and ETFs. Retail investors continue to dominate the market direction even in challenging conditions.

Apartment Rental · 07/23/2025

This article recommends ten highly practical rental apps in the United States, including Zillow Rentals, Trulia Rentals, and Apartment List. These tools provide the latest property information, personalized searches, and quick application processes, making the rental experience more efficient and convenient. Suitable for renters with different needs, they help users easily find their ideal home.

Finance · 07/24/2025

US retail sales data, published monthly by the Census Bureau, assesses consumer demand and significantly impacts GDP. The data includes both brick-and-mortar and online stores and is influenced by seasonal factors. Healthy figures indicate economic expansion, while declining numbers suggest contraction, earning the moniker 'horrible data.' Recently, sales have shown a continuous decline, prompting the market to closely monitor relevant indices to evaluate economic prospects.