Education · 07/25/2025

The TOEFL (Test of English as a Foreign Language) is a globally recognized assessment of English proficiency, evaluating candidates' skills in reading, listening, speaking, and writing. It provides support for students seeking to enter international higher education and the workforce. The exam can be taken at test centers or online, and the ETS website offers a wealth of preparation resources to help candidates prepare effectively.

Finance · 07/21/2025

For immigrants over the age of 45, proper retirement planning is crucial. In the U.S., retirement income primarily comes from Social Security, 401(k) plans, and annuities. Each method has its unique advantages, and a well-balanced combination with early planning can ensure future financial stability. Adapting to changing needs and tax situations is essential to achieving economic independence and improving quality of life.

Telecom · 07/22/2025

This article provides a comprehensive analysis of the major mobile network service providers in the United States, including AT&T, T-Mobile, and Boost Mobile. It outlines their discount policies, offering users a variety of options and affordable plans, with the goal of helping consumers make more informed choices regarding their mobile service.

Finance · 07/24/2025

This article explores the definition, calculation, and impact of the VIX (Volatility Index) on the market. It analyzes how investors can utilize the VIX index and related derivative products to inform their investment decisions. Additionally, the article summarizes corresponding investment strategies and important considerations for risk management.

Transportation · 07/24/2025

Vehicle inspections in the United States vary by state and encompass various aspects, including safety checks and emissions testing. Understanding the specific regulations and processes for each state is essential to ensure your vehicle meets safety and environmental standards, helping you avoid unnecessary troubles and expenses.

Finance · 07/24/2025

This article explores the characteristics of US Treasury Bond ETFs, including the differences between bonds and stocks, the basic components of bonds, and the importance of bond investments. Through case studies, investors can better understand the components and returns of Treasury Bond ETFs, enabling them to make informed investment decisions. Additionally, the article discusses the risks and market conditions affecting bond investments, providing a comprehensive reference for investors.

Taxation · 07/23/2025

This article discusses the classification of deductible items and specific practices, including methods for deducting state, local, and foreign taxes, defining real estate taxes and personal property taxes, and identifying non-deductible taxes. It also offers suggestions for optimizing tax liability to help taxpayers navigate the tax season more easily.

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.

Education · 07/17/2025

This article discusses coping strategies for international students accused of exam cheating, emphasizing the importance of academic integrity. It provides specific recommendations for various disciplinary outcomes, including academic warnings, probation, suspension, and expulsion. The article highlights strategies such as timely communication with advisors, writing appeal letters, and considering emergency transfers, assisting students in navigating challenges and getting back on track

Social Networking · 07/24/2025

This article offers a comprehensive guide to communication in the United States, covering key skills such as non-verbal communication, direct expression, formal and informal conversations, casual interactions, and proactive questioning to help newcomers integrate better into the American social environment. By learning common expressions and understanding cultural humor, readers can enhance their communication abilities and strengthen their connections with others.

Job Search · 07/28/2025

Unemployment can lead to anxiety, but by responding calmly, understanding your rights, applying for assistance, budgeting, updating your resume, and actively job searching, you can effectively manage this transition period and lay a foundation for the future.

Culture · 07/25/2025

This article explores the phenomenon of culture shock, analyzing its four stages and coping strategies. The goal is to provide effective adaptation advice for immigrants, helping them to smoothly integrate into their new environments and establish a sense of belonging.

Lawyers · 07/02/2025

This article examines the changes in the legal process of applying for asylum at the U.S. border, emphasizing the importance of seeking professional legal assistance in a complex immigration environment. Timely applications and clearly expressing the risk of persecution are crucial for successfully obtaining asylum.

Lawyers · 07/08/2025

The new government has implemented strict immigration policies that affect overstayers and immigration court procedures. Immigrants must stay informed about legal changes and seek timely legal support to avoid potential risks and challenges.

Education · 07/25/2025

This article offers various effective strategies to help parents support their children in successfully adapting to school life. Suggestions include focusing on emotional well-being, recognizing warning signs, engaging in positive communication, and participating in extracurricular activities, all aimed at promoting children's mental health and educational development.