IFWF

Dr. Fan Yang PhD in Economics and Master’s in Mathematics Senior Economist Fellow IFWF Economic Department © International Foundation for World Freedom January 17, 2026 Introduction: New Lives, New Systems Moving to a new country is difficult. Immigrants and refugees often come to the U.S. after escaping war, violence, or other danger. Many arrive with little money and no experience with how the American system works.   One big challenge is understanding how to manage money here. Everything...

Po-Yen Hsu M.S. Environment and Sustainability © International Foundation for World Freedom December 11, 2025 1. Summary How eco-friendly actions reduce household costs and build long-term financial resilience. As the cost of living climbs across the United States, from rising utility bills to higher fuel prices, families are searching for ways to spend less without sacrificing quality of life. At the same time, environmental concerns are growing, pushing consumers to rethink how they use...

Dr. Fan Yang PhD in Economics and Master’s in Mathematics IFWF Economic Department © International Foundation for World Freedom November 26, 2025 Introduction: Rethinking Taxes and Refunds   For many people, tax season feels stressful or confusing. Some just hope for a big refund and then spend it quickly. But did you know that a refund is not extra money? It usually means you paid too much in taxes during the year, and the government is giving your own money back.   Instead of dreading tax...