Finance · 07/24/2025

This article explores three key indicators for evaluating investment performance, including profitability metrics and risk metrics. By analyzing standardized methods for assessing investment returns, such as annualized returns, investors can gain a clearer understanding of their investment performance. Additionally, recognizing the importance of risk management is crucial for achieving long-term, stable investments. Regularly reviewing and analyzing past investments can help investors continuously enhance their skills and strategies.

Finance · 08/21/2025

The U.S. Financial Diary, in collaboration with Hahow, presents an investment course designed for systematic learning of investment science. Covering 24 units, the curriculum includes financial analysis, macroeconomics, risk management, and asset allocation. Highly praised and recommended by numerous financial experts, this course aims to help investors build a solid path to wealth growth. It provides practical knowledge and strategies for making informed investment decisions and achieving long-term financial goals.

Apartment Rental · 07/21/2025

Before renting in Boston, it's crucial to clarify your study or work location, budget, and move-in dates. Familiarizing yourself with the public transportation system and evaluating your budget is vital. Boston's rent is relatively high and transparent, with many roommate options available. Rent in downtown and Cambridge is usually more expensive, so financial planning is essential. Additionally, communication about move-in dates should be flexible, and short-term subletting can be a viable strategy.

Finance · 07/24/2025

The US stock market, with its vast number of companies, market diversity, and long-term growth potential, is an ideal choice for novice investors. The convenience offered by online brokerages allows investors to easily access top global companies, with a low entry barrier making investment more accessible. While the Taiwanese stock market has its local advantages, the US stock market presents better growth potential and opportunities in the context of the global economic landscape.

Finance · 07/18/2025

The 401k plan is a retirement savings system introduced by U.S. companies to encourage employees to save for the future. Established in 1978, employees can voluntarily participate by contributing a portion of their income from pre-tax earnings, with restrictions on withdrawals until a certain age. Employers often match contributions based on the employee's input. Key benefits of the 401k plan include tax deferral and options for long-term investments, promoting economic flexibility.

Finance · 07/18/2025

The term 'petrodollar' refers to the income in dollars obtained from oil exports, which has been closely linked to the international economy since the 1970s. Oil pricing in dollars has solidified its status as the world's reserve currency. Oil-exporting nations use their dollar revenues to purchase goods, services, and investments, while importing nations must hold dollars to pay for oil. This system significantly impacts global trade and investment strategies, making an understanding of its

Education · 06/29/2025

This article explores the potential dissolution of the U.S. Department of Education and its implications for the education system. It points out that such a move could lead to a restructuring of education funding and regulation, particularly affecting students from low-income families. While executive orders aim to undermine the department's functions, a complete dissolution would require congressional legislation, which is unlikely to happen in the short term. State education departments need

Taxation · 07/17/2025

This article discusses the tax treatment and deduction strategies for rental properties and Airbnb in the United States. Landlords can offset their rental income through various avenues such as depreciation, mortgage interest, maintenance costs, insurance, and property taxes. For Airbnb, it is essential to consider the difference between short-term rental days and the services provided to determine the applicable tax reporting method. Additionally, it is recommended to keep all expense receipts

Job Search · 04/03/2025

Trump's immigration policy in his second term continued the 'America First' approach while opening new opportunities for high-skilled immigrants. Programs like EB-1A and NIW allow applicants to obtain immigration status more easily. Given the global demand for top talent, this policy is particularly attractive, especially for applicants from mainland China facing traditional immigration challenges. The aim is to provide these talents with policy benefits, enabling them to seize opportunities in the AI era.

Finance · 01/16/2025

In December, the core inflation in the U.S. showed a slight decline, but rising inflation expectations may prompt businesses and individuals to make purchases in advance. The dollar index has risen nearly 10% since late September, while the increasing divergence in global central bank policies may further influence the dollar's trajectory. The implementation of Trump 2.0 policies poses medium to long-term risks for inflation, making it essential to closely monitor these developments.

Finance · 08/19/2025

Shopee's monthly active users in Brazil surged by 30%, with logistics costs decreasing by 16%, as it rapidly closes the gap with Mercado Libre. By focusing on underserved markets, expanding digital financial services, and optimizing logistics efficiency, Shopee demonstrates strong growth potential in the Brazilian e-commerce market. However, intense competition may compress short-term profit margins. In the future, premium membership services are expected to be a new growth engine for Shopee in Brazil.

Finance · 08/16/2024

This article provides an in-depth analysis of the concept of Cost of Goods Sold (COGS), its composition, and its crucial role in corporate profitability. By understanding key components such as raw materials, labor, and manufacturing overhead, businesses can more effectively calculate gross profit and develop corresponding optimization strategies. Ultimately, this leads to profit growth and sustainable development. The paper highlights the importance of managing COGS for improved financial performance and long-term business success.

Finance · 06/09/2025

California's fuel imports hit a four-year high in May 2024 due to refinery shutdowns, which decreased local refining capacity and increased reliance on fuel from Asia and unconventional routes. While this alleviates short-term supply pressures, it also raises fuel costs and poses challenges related to price volatility, supply chain security, and environmental impact. California needs to diversify its fuel sources and develop alternative energy strategies to address future energy supply issues.

Finance · 08/13/2025

DappRadar is airdropping TLM tokens for the metaverse game Alien Worlds, presenting new opportunities in the blockchain gaming space. Participants should be wary of scams and rationally assess the value, avoiding blind following. The airdrop may cause a short-term price drop for the token, so newcomers should be especially cautious. This event highlights the growing intersection of metaverse gaming and blockchain technology, but requires careful consideration and risk management from potential participants.

Insurance · 07/21/2025

Family financial planning involves key components such as health insurance, disability insurance, life insurance, long-term care insurance, and estate planning, which together create a solid protection umbrella for households. Ensuring the appropriateness of insurance and the rational allocation of discretionary budgets are crucial for achieving both material and emotional security. Accurate asset allocation ensures the orderly transfer of wealth and economic stability for the family, laying a solid foundation for the future of every family member.