Take charge of your personal finances with the Rayo money framework Part 1: Understand your income and track your expenses The concept of money as we know it has undergone radical transformations since the modern homo sapiens first created a barter system to exchange goods and services. Today, money is a store of value. It’s what you use to buy stuff, to explore leisure-time activities, and to build a life…

“How much money should I be saving in my 20s, 30s, 40s and beyond?” This is an age-old question that everybody wants to know the answer to, especially so for immigrants in a new country who need the financial security in the event of any emergencies. Now, there’s no “one-size-fits-all”…

Moving abroad has its pros and cons. One thing every Indian misses is the festive vibe that comes with numerous festivals celebrated back home, especially when you see social media posts of your family and friends enjoying this special time. Once the festive season starts it’s almost like there is…

When you are in the third largest country in the world with a great internal conservation plan in place, your options of a getaway are plenty. Let’s be honest the United States is a huge expanse. And it’s as diverse as they come. You have the two largest oceans on…

Truth be told, the US that we know today was built by immigrant hands. When you look at the landmark events, inventions and technological breakthroughs that have shaped America, it’s plain to see that most of them would not have happened without immigrants. If we exclude the early settlers, even…

Settling in the United States of America is a dream for many across the world. Whether you’re a fresh college graduate looking to study in the US, a working professional relocating for a job opportunity, or someone moving on a short-term basis, opening a bank account is one of the…

Common American things that will surprise you, when you are new to the US Though the US is composed of people with different backgrounds, nationalities and ethnicities, there are some customs shared by all Americans that may seem odd, especially when you are new to the US. Some things Americans consider to be commonplace are actually quite unique to the US. If you’re not…

It’s that time of the year when you have to dredge up your last year earnings. That’s right — it’s tax season. Though this year’s tax filing season has been postponed until July 15, the date is now fast-approaching. For those of you who have recently moved to the US…

Moving to another country can be a daunting experience. Whether you’re moving for a new job, a spot at your dream school or just for a change in scenery, moving to new country means uprooting your life and embracing an entirely new system. We, at Rayo, understand how difficult moving…