Finance · 03/13/2025

The US CPI unexpectedly fell to 2.8%, with the weakened inflation possibly prompting the Federal Reserve to cut interest rates, leading to a stock market rebound. However, the unpredictability of Trump’s policies and potential threats of economic recession keep investors wary of market uncertainties. Furthermore, the high valuation of US stocks raises concerns about long-term growth, necessitating a cautious approach.

Finance · 06/28/2025

This analysis examines key factors influencing the future of the US stock market, including the impact of high tariffs from Trump’s policies, upcoming earnings reports, and the Federal Reserve's interest rate policies. Although short-term business activity may slow down, potential cooperation in Sino-US relations and signs of recovery in the job market provide the market with confidence for the future.

Finance · 08/06/2025

Recently, gold prices retreated from a five-week high as investors took profits and focused on the upcoming trade negotiations between the US and Europe. Analysts believe that despite the fluctuations, there is still potential for an upward trend in gold prices. Additionally, the strength of the US dollar has impacted the gold market, and the Federal Reserve's rate decisions are highly anticipated.

Telecom · 07/18/2025

This article introduces several cost-effective single-person mobile plans in the US, including Spectrum Mobile, Boost Infinite, TextNow, and Twigby. It emphasizes the importance of mobile hotspot features, providing insights for consumers to choose the right SIM card for their needs. The discussion includes the characteristics of well-known operators and personal usage experiences, helping readers better understand the mobile SIM card market in the US.

Finance · 07/24/2025

Dividend ETFs in the US stock market have gained popularity among investors. This article analyzes the pros and cons of six popular ETFs, emphasizing the overall market environment and dividend investment strategies, while highlighting the potential risks associated with high dividends and yields. Additionally, it discusses the dividend tax rates in the US and the diversification advantages of ETFs, providing investors with a comprehensive reference.

Job Search · 09/02/2025

This article analyzes the major selection and employment status of Chinese students in the United States, as well as the opportunities and challenges of returning to China for employment. Based on US News recommendations, it provides a list of 25 high-paying job positions. Furthermore, it offers suggestions for undergraduate students to enhance their competitiveness in securing employment opportunities in the US after graduation.

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

Finance · 07/18/2025

Credit Default Swaps (CDS) are financial derivatives primarily used for risk management and speculation. By purchasing CDS, financial institutions and investors can reduce the credit risk of bonds, akin to buying insurance. Furthermore, investors can speculate using CDS without owning the underlying debt instruments. The complexity and flexibility of the CDS market provide participants with diversified investment choices, thus playing an important role in both risk management and speculation.

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

Taxation · 07/18/2025

This article provides a comprehensive analysis of ITIN (Individual Taxpayer Identification Number), including its definition, purpose, application process, and common questions. The primary official use of ITIN is for tax reporting, but many financial institutions also accept it for identity verification, allowing individuals without an SSN to apply for bank accounts and credit cards. ITIN can be applied for independently or through a professional accountant, with attention to its validity and

Education · 07/18/2025

This article explores the multidimensional comparison of private middle and high schools in the United States, assisting families in selecting a school that meets their educational needs. By considering boarding and day options, ratings, geographic location, and curriculum, parents and students can make informed decisions among various institutions. Excellent schools like Blair Academy and Phillips Academy in Boston, California, and New York offer students expansive opportunities and potential

Education · 07/18/2025

Founded in 1865, Cornell University is a prestigious private research university located in Ithaca, New York. It offers a variety of colleges, excelling in liberal arts and agricultural sciences, with graduate programs in management, engineering, and law. The university emphasizes holistic student development, hosting numerous student organizations, and ranks among the top institutions globally and in the U.S. for producing Nobel laureates, showcasing its significant impact on quality education

Education · 07/18/2025

Middlesex School is a prestigious private high school located in Concord, Massachusetts, dedicated to providing quality education and college preparatory programs. The school is characterized by critical thinking and a positive learning atmosphere, with 100% of graduates admitted to top universities. The tuition is $75,475, and the student-to-teacher ratio is 1:4. In 2024, students were accepted into several elite institutions, showcasing the school's exceptional educational outcomes.

Education · 01/10/2024

The cost of higher education in the United States is rising, with the ten most expensive universities in 2023 including Sarah Lawrence College, Harvey Mudd College, and Columbia University. Their annual tuition fees generally exceed $60,000, placing a significant financial burden on students' families. These prestigious institutions attract talented students from around the world; however, the pressure of tuition costs in the pursuit of higher education cannot be overlooked.

Finance · 07/22/2025

Independent Risk Management (IRM) is a crucial component of financial institutions, serving as a second line of defense to oversee risk activities in U.S. branches. IRM is committed to supporting business units in making prudent decisions through a robust risk governance framework, ensuring corporate compliance and a healthy culture. This framework encompasses various types of risks, enhancing risk control capabilities and laying the groundwork for the sustainable development of the enterprise.