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.

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.

Education · 10/05/2024

University of Connecticut doctoral student Berger has been awarded a NOAA Fellowship to study the impacts of climate change on Atlantic scallop fisheries and explore sustainable management strategies. Her research will focus on understanding how changing ocean conditions affect scallop populations and developing approaches to ensure the long-term health and productivity of the fishery. This work contributes to the broader goal of promoting sustainable fisheries management in the face of a changing climate.

Education · 09/02/2025

US college student support programs aim to help disadvantaged students overcome economic, academic, and psychological challenges to successfully complete their studies. Through financial aid, academic tutoring, career development, and mental health support, these programs help students improve their employment competitiveness and realize their life value. In the future, student support programs should strengthen data analysis, expand service scope, enhance collaboration, and focus on long-term follow-up to improve service quality and coverage.

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.

Loans · 07/18/2025

When Chinese investors purchase real estate in the United States, loans are a common option. This article discusses the requirements for H-1B visa holders applying for home financing, including the importance of credit scores, types of loans, and pre-approval letters. H-1B visa holders can apply for FHA and conventional loans, but they need to pay attention to down payment ratios and credit scores. It is advised to prepare in advance to improve credit scores to ensure smooth financing.

Loans · 07/18/2025

This article provides a detailed analysis of the calculation methods for mortgage interest in the United States and various repayment options. It introduces the formulas and pros and cons of the equal principal repayment and equal total payment methods, emphasizing basic concepts of principal and interest. By using examples, it illustrates the impact of different repayment methods, assisting borrowers in choosing a repayment plan that suits their needs.

Loans · 07/23/2025

This article provides a comprehensive analysis of essential information that homebuyers need to know when obtaining a mortgage, including types of mortgages, calculation methods, application processes, and strategies for choosing institutions. It offers practical guidance on acquiring loans for prospective homeowners.

Finance · 07/23/2025

The net worth of an owner-occupied home represents the actual ownership portion of the property by the homeowner. This article analyzes the definition, construction methods, calculation methods, and various financing applications of home equity. By effectively utilizing equity, homeowners can fund large expenses and increase financial flexibility.

Loans · 07/25/2023

The latest survey by the New York Fed reveals that the rejection rate for credit applications has widely increased across various types of loans in the U.S., particularly for mortgages and auto loans. Applicants with high credit scores are less affected, while rising borrowing costs have pressured Americans' willingness to take out loans.