Finance · 07/21/2025

This article outlines essential knowledge for managing personal finances in the United States, including how to open a bank account, create a budget, pay taxes, and use credit cards. It specifically provides information on public benefits and remittance channels for immigrants and newcomers, aiming to assist them in better adapting to and managing their personal finances. Mastering these resources and skills contributes to achieving economic independence and stability in daily life.

Finance · 05/21/2025

US Treasury yields have risen due to the budget bill and a downgrade in credit ratings by Moody's. Investors are closely monitoring policy changes and housing market data, facing a complex investment environment and risk challenges.

Taxation · 07/23/2025

The 2024 child tax benefits offer relief for eligible families, which must be reported on tax form 1040 and Schedule 8812.

Taxation · 07/18/2025

This article provides a detailed overview of the Individual Taxpayer Identification Number (ITIN) in the United States, including its definition, main uses, and application process. The ITIN is primarily used for tax filing, opening bank accounts, and applying for credit cards, especially for non-residents engaged in economic activities in the U.S. The article explains the application steps, required materials, and processing times, helping readers understand the importance of ITIN and how to

Telecom · 07/17/2025

This article provides a practical guide on how to obtain a US phone number while being outside the country. It recommends several effective virtual phone number applications and offers detailed usage steps and cost information. Additionally, it discusses the options for physical SIM cards. This guide aims to assist those in need of acquiring a US number.

Lawyers · 08/06/2025

This article explains how to apply for a US Green Card, including the types of Green Cards, application requirements, necessary steps, and the benefits granted. A Green Card allows holders to live and work in the US permanently, enjoy federal benefits, apply for immigration for family members, and eventually apply for US citizenship. There are various pathways for application, each with different requirements that must follow specific processes.

Telecom · 07/25/2025

This article analyzes five main ways to call China from the US in 2025, including Skype, Google Voice, Dianhua China, and international calling cards. It details their costs, top-up methods, and usage situations, helping users choose the most suitable communication solution.

Telecom · 07/15/2025

This article provides a detailed overview of mobile plan types in the USA, including prepaid and postpaid options, along with the features of major carriers such as AT&T, Verizon, and T-Mobile. It also addresses common questions when purchasing mobile phones in the USA, aiming to assist readers in selecting the phone plan that best suits their needs.

Telecom · 09/19/2020

This article introduces several prepaid mobile cards suitable for use in the USA, including brands like Lycamobile, Ultra, H2O, and Verizon. They offer a range of affordable plans catering to various user needs, with no contracts, deposits, or ID required. These features make them especially convenient for international students and travelers, enhancing internet access and the ability to make international calls. Additionally, Chinese customer support ensures seamless communication.

Finance · 07/21/2025

Debt management is a crucial aspect of personal and household finances, categorized into unsecured and secured debt. Unsecured debts include credit cards and medical bills, while secured debts encompass mortgage and auto loans. Assessing the debt-to-income ratio helps evaluate an individual's debt situation and financial health. Various factors, such as income loss and excessive repayment delays, can lead to an inability to meet debt obligations. Understanding these elements aids individuals in effective financial planning and reduces the risk of bankruptcy.

Finance · 07/17/2025

This analysis explores Citi credit card options, focusing on maximizing cashback and points utilization to assist users in effectively managing their everyday expenses.

Finance · 07/23/2025

The Bank of America Premium Rewards® credit card offers a 60,000-point bonus and flexible redemption options, designed for users who frequently travel and dine out. It has no foreign transaction fees and provides various travel benefits, enhancing your spending experience and rewards.

Taxation · 08/13/2025

This article aims to help you effectively demonstrate your eligibility for the EITC tax credit during an audit. It outlines the necessary documentation and specific steps to easily meet IRS requirements, ensuring the proper protection of your legal rights.

Finance · 07/23/2025

This article presents seven effective strategies for improving credit scores in 2025, including correcting errors on credit reports, making timely payments, and reducing credit utilization. It also recommends reputable credit recovery companies to assist you in quickly restoring your credit.

Loans · 07/21/2025

Loan history significantly impacts borrowers' future loan applications and interest rates in the U.S. The credit score is a key indicator, with higher scores often leading to lower rates. Maintaining a good credit history, managing credit card usage wisely, and making timely repayments are essential for improving credit scores. Avoiding frequent credit applications and regularly checking credit reports also help maintain a good credit record, providing favorable conditions for future loans.