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THE IMPORTANCE OF CREDIT SCORE WITHIN THE UNITED STATES

A concept that regularly confuses recently-arrived African immigrants is the overwhelming importance of credit history within the United States. In simple terms, your credit score registers aspects of your financial history—particularly if you pay your bills promptly—and determines whether or not it is risky to lend you money. As such, if you have a good …

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Collectivism and Individualism within the United States

According to Hofstede’s cultural dimensions theory, one of the aspects that define cultures and societies is the degree of interdependence between individuals in a community. This position is granted on a scale between individualism and collectivism, often called the Individualism Index. In simple terms, individualist societies emphasizes individuality—“I” before “we”, and keeps closeness with a …

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