Lawyers · 07/21/2025

Chapter 13 of U.S. bankruptcy law provides a legal framework for individual debtors to restructure their debts, allowing them to plan for repayment in installments over three to five years. It applies to individuals with a stable income and non-corporate owners. Applicants must meet income and debt limit criteria, and can retain assets by creating a repayment plan. This process differs from bankruptcy liquidations under Chapters 7 and 11, aiming to assist individuals in repaying their debts in a manageable manner.

Education · 07/21/2025

Community colleges play a significant role in higher education in the United States, offering affordable courses and transfer opportunities that flexibly meet student needs. However, their academic reputation and course offerings may have limitations, so it's essential to consider personal goals and career plans when making a choice.

Education · 07/21/2025

This article analyzes the pros and cons of community colleges in the United States, emphasizing their affordability and flexibility. Community colleges offer two-year education, vocational training, and transfer opportunities, attracting many students looking for quick employment or further education. Although the campus atmosphere is relatively simple, its unique advantages make it an important choice in higher education.

Education · 07/21/2025

Community colleges in the U.S. offer two-year associate degree programs that focus on vocational training, with flexible courses and low tuition costs. As popular fields such as construction, healthcare, and technology emerge, community colleges become ideal for those looking to enter the workforce. Graduates possess competitive employment potential, and with smart choices in their majors, they can achieve high-paying career advancements, showcasing promising job prospects.

Education · 07/21/2025

This article explores the main differences between community colleges and traditional universities in American higher education. Community colleges offer low-cost, two-year practical skills education, while traditional universities provide undergraduate degrees and a wider range of major options along with campus life. Students should make informed decisions based on their individual needs and goals when choosing between these educational paths.

Education · 07/21/2025

This article explores the program offerings of American community colleges and their impact on students' employment prospects. Community colleges provide a variety of degree programs, including humanities, business, science, and arts, aimed at meeting diverse interests and career needs. Additionally, short-term vocational training programs offer students quick entry into the workforce, helping them acquire practical skills. Choosing the right major is crucial for success.

Apartment Rental · 07/21/2025

This article analyzes the factors affecting rental prices in the United States, emphasizing the impact of location, property condition, and size on rent. Urban areas generally have higher rents, while rural areas have lower ones. Within the same city, rentals in city centers and convenient transportation locations tend to be more expensive. The age of the property and available amenities also significantly affect prices. Balancing personal needs and budget is crucial when choosing a rental.

Insurance · 07/21/2025

As natural disasters increase in the U.S., insurance companies are starting to limit coverage in high-risk areas, including ceasing to offer hurricane and wildfire insurance. Five major property insurance companies have decided to stop providing coverage in disaster-prone regions, leading to a contraction in claims coverage. Data shows that over the past three years, claims for natural disasters have amounted to $295.8 billion. The insurance industry faces the need to adjust underwriting strategies to address rising claims costs and risks.

Education · 07/21/2025

This article explores the main differences between public and private universities in the United States, providing guidance for prospective college students. Public universities are typically funded by state governments, offering lower tuition rates for in-state residents. In contrast, private universities rely on tuition and donations, often providing extensive scholarships and personalized teaching. When making a choice, it's important to consider various factors comprehensively.

Transportation · 07/21/2025

In the United States, a driver's license is not only a permit to drive but also a versatile form of identification in everyday life. It can be used for legal driving, verifying identity, purchasing alcoholic beverages, and renting cars. Understanding the various uses of a driver's license can help individuals make better use of this important document.

Apartment Rental · 08/16/2021

During study abroad in the USA, housing is a critical issue every student must face. This article offers various rental channels, including school recommendations, experiences from seniors, social media, professional rental websites, and housing agency services. Through these diverse methods, international students can more efficiently and safely find suitable accommodation. It is also advised to understand the school’s dormitory policies in advance to ensure a smooth move-in process.

Apartment Rental · 07/21/2025

Renting a property in the United States with a business visa often involves long-term contract requirements. However, this can be addressed by opting for family rooms in hotels or serviced apartments. These types of accommodations offer flexible rental periods suitable for short-term business needs. It is advisable for business professionals to prioritize these options to achieve an optimal balance between living experience and cost.

Travel · 07/21/2025

This article discusses the convenience of RV rentals in the United States, categorizes vehicle types, and outlines important rental considerations. It is advised for first-time renters to choose large companies to enjoy more flexible services. RVs are equipped with amenities such as air conditioning and refrigerators to ensure a comfortable journey. RV campsites are widely available nationwide, alleviating the hassle of hotel bookings and enhancing the overall travel experience. Rental costs are calculated based on mileage and rental duration, and it is essential to confirm details in advance.

Apartment Rental · 07/21/2025

This article provides a detailed comparison of seven rental types in the USA, including dormitories, apartments, co-living spaces, single-family homes, and townhouses. It analyzes the characteristics, advantages, and disadvantages of each type, along with practical tips to assist renters in making suitable choices based on their individual needs.

Finance · 12/14/2023

The rise in the yield of U.S. long-term government bonds has become a focal point, influencing global asset pricing and economic outlook. Yields on 10-year and 30-year bonds have reached new highs, raising concerns about the persistence of a high-interest-rate environment. Analysis indicates that robust economic data and the Federal Reserve's hawkish policies have jointly contributed to this change, highlighting its potential impact on investors.