Taxation · 07/18/2025
In-depth Analysis of Individual Retirement Accounts in the U.S.: Differences and Features of IRA and Roth IRA
This article provides a detailed analysis of the characteristics and differences between the Individual Retirement Account (IRA) and Roth IRA in the United States. The IRA originated in 1974 and offers tax benefits for individuals saving for retirement, allowing participants to join voluntarily. Compared to a 401k, IRA offers more flexibility in investment choices but has contribution limits and tax obligations upon withdrawal. The article also discusses the tax deduction limitations of
Finance · 07/21/2025
How Immigrants Can Open Bank Accounts in the United States
Opening a bank account is crucial for immigrants as it ensures the safety of funds and helps prevent fraud. There are various financial institutions in the U.S. with specific account opening requirements, including identification and proof of residence. Some banks allow foreign IDs even without a U.S. ID. Common account types include checking accounts for daily use and savings accounts for saving. Debit cards simplify shopping and withdrawal processes. Proper account management is essential for maintaining financial health.
Education · 09/02/2025
Guide Helps International Students Adapt to US Colleges
This article provides prospective international students with a comprehensive survival guide for American universities. It covers course selection strategies, drop/withdrawal policies, classroom culture integration, and academic integrity. The aim is to help international students better adapt to American university life, avoid common academic pitfalls, and ultimately succeed in their studies. It offers practical advice on navigating the academic landscape and understanding the expectations surrounding ethical conduct in research and coursework, ensuring a smoother transition and a more rewarding academic experience.