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.

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.

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.

Finance · 07/25/2025

This article outlines the fundamental knowledge for immigrants using credit cards and managing loans in the United States. It emphasizes the importance of timely repayments and provides features and usage tips for secured credit cards and prepaid cards, assisting immigrants in effectively managing their finances.

Loans · 08/07/2025

When deciding to buy a home, if your rent exceeds the mortgage, you don't plan to move in the future, have good financial health, excellent credit scores, and some market knowledge, purchasing a home can be a wise choice. It is also crucial to understand mortgage options and lock in interest rates.

Education · 08/06/2025

Johns Hopkins University, founded in 1876, is a world-renowned research university located in Baltimore, USA. Known for its outstanding medical and public health schools, the university offers rich library resources and comfortable accommodation facilities. It encourages students to actively participate in various activities, fostering a positive learning and living environment. It is an ideal institution that pursues excellence in education.

Apartment Rental · 08/06/2025

The New York rental market is highly competitive, making it crucial to start searching for housing a month in advance and select the right rental type based on individual circumstances. Ownership condos and exclusive rental apartments each have their pros and cons, so tenants must make timely decisions according to their needs. This is especially important for international students who need to prepare application materials in advance to quickly secure their ideal accommodation.

Education · 07/24/2025

This article analyzes the semester system in American universities, including its three main forms: Semester, Quarter, and Trimester. It explores the impact of each system on students' learning pace, time management, and living costs. The article emphasizes the importance of selecting an appropriate semester system in relation to individual academic goals and career development.

Education · 08/07/2025

This article explores how to choose the right American high school for children, considering various factors such as the quality of education, extracurricular activities, and the proportion of international students. It offers advice based on specific cases, aiming to help parents make informed decisions.

Education · 08/13/2025

Rice University is ranked 17th in the overall US News rankings for 2024-2025, with excellent performance in various fields. Biomedical Engineering is ranked 10th, while Computer Science and Statistics are ranked 27th and 29th in 2022 and 2024, respectively. The rankings for international and graduate programs continue to rise, and looking forward, Rice University is expected to be a leader in education and research.

Insurance · 07/21/2025

The high cost of healthcare in the United States makes it crucial for F1 visa students to select appropriate health insurance. This article discusses the types of health insurance available, the process of visiting doctors, the use of emergency rooms, and the coverage of dental insurance. It emphasizes the importance of understanding insurance details so that students can effectively manage medical expenses and receive timely medical services during their stay in the US.

Education · 07/21/2025

This article discusses the challenges faced by community college graduates in the United States when applying for master's programs. It highlights that they typically need to complete a four-year bachelor's degree before applying and emphasizes the importance of understanding transfer agreements and credit transfer rules. With proper planning and advising, students can successfully transition to bachelor's programs and ultimately achieve their educational goals.

Education · 07/21/2025

This article explores the value and opportunities presented by community colleges in the United States, highlighting their flexibility, affordability, and career-oriented programs. Community colleges offer associate degrees and transfer opportunities, catering to students from diverse backgrounds. Despite some hesitation in choosing, attending a community college positively impacts students' academic and career goals. Overall, community colleges provide a quality entry point into higher education.