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  • 넷플릭스 영화 <굿뉴스> 리뷰

    ― 하이재킹 납치사건을 블랙코미디로 풀어낸 놀라운 현실 풍자

    넷플릭스 신작 <굿뉴스(2025)>를 본 사람이라면 누구나 한 번쯤 이렇게 느꼈을 겁니다.
    “이게 정말 영화일까, 아니면 지금의 현실일까.”

    감독 변성현은 이번 작품에서 1970년대 요도호 하이재킹 납치사건을 모티프로,
    국가 권력과 언론, 그리고 개인의 욕망이 얽힌 ‘블랙코미디 스릴러’를 만들어냈습니다.

    웃음 뒤에 남는 건 불편함이고,

    그 불편함은 곧 우리 사회의 거울이 됩니다.

    설경구, 홍경 연기의 무게감

    이 영화의 중심에는 두 배우가 있습니다.
    설경구는 납치 사건의 배후로 의심받는 전직 기자를,
    홍경은 사건의 실체를 파헤치는 신입 기자를 연기합니다.

    두 사람의 대립은 단순한 진실공방이 아닙니다.
    세대, 가치관, 생존 방식의 충돌이죠.
    특히 설경구의 무표정 속 냉소는 영화 전체를 관통하는 주제 —
    “진실은 누구를 위한 것인가” — 를 가장 날카롭게 드러냅니다.

    하이재킹 납치사건, 그러나 웃을 수 없는 코미디

    ‘굿뉴스’는 분명 블랙코미디입니다.
    하지만 우리가 웃는 순간, 그 웃음은 곧 불편한 자각으로 바뀝니다.

    하이재킹 납치사건이라는 비극적인 실화를 희화화한 게 아니라,
    그 안에서 인간의 욕망과 체제의 모순을 비틀어 보여줍니다.
    뉴스는 진실을 전해야 하지만,
    이 영화의 세계에서는 뉴스조차 상품이 됩니다.

    감독은 말하죠.
    “진실은 언제나 팔리는 쪽의 것”이라고.

    영화적 완성도 ― 차가운 현실에 유머를 더하다

    <굿뉴스>는 단순한 정치 풍자극이 아닙니다.
    서스펜스, 코미디, 드라마가 교차하며 묘한 리듬을 만들어냅니다.

    • 카메라 워크는 다큐멘터리처럼 차갑고,
    • 대사는 연극처럼 리듬감이 있으며,
    • 음악은 장면의 무게를 절묘하게 비틀어 냅니다.

    덕분에 관객은 한순간도 긴장을 풀 수 없습니다.
    ‘웃어도 되는 건가?’
    ‘지금 내가 보고 있는 건 현실 아닌가?’
    이런 질문이 끝까지 따라옵니다.

    “이 나라는, 언제부터 진실보다 연출이 더 중요해졌을까.”

    ‘굿뉴스’는 그런 질문을 던지는 영화입니다.
    블랙코미디의 형식을 빌렸지만, 본질은 진실을 잃어버린 사회에 대한 보고서입니다.
    그래서 영화가 끝난 후에도 오래 마음에 남습니다.

  • A Cash Buyer’s Guide to San Francisco Townhouse Insurance

    Prologue: “Should I Get Insurance or Not?”

    Hello, everyone! I’ve come with a clear answer to a question that often pops up in our community.

    “I paid cash for a townhouse in San Francisco.
    Do I really need to get insurance? Some people say yes, others say no, and it’s so confusing.”

    Let me give you a straightforward answer to this question.

    “Yes, you must get insurance.”

    Below, I’ll explain exactly why, from legal considerations to real financial risks.
    By the end of this post, you’ll know not just if you need insurance, but what kind of insurance to get and how to get it.

    Part 1. The Misconception: “It’s Not a Legal Requirement, Is It?”

    Many people think insurance is unnecessary because “California state law doesn’t mandate homeowners insurance.”
    And it’s true, as a cash buyer, you’re free from the pressure of a mortgage lender.

    However, this is only half the truth. A townhouse is part of a community, which means you must follow a new set of rules: those of the Homeowners Association (HOA). Most HOAs have bylaws that contractually obligate every unit owner to maintain individual homeowner’s insurance to protect the interests of the entire community.

    What happens if you ignore these HOA rules?
    You could face severe consequences, including fines, legal action, and in the most extreme cases, the HOA can even place a lien on your property.
    So, while you may have avoided the requirements of a lender, you’ve inherited a new contractual obligation with your HOA.

    Part 2. Townhouses Need a Dedicated Policy: HO-6 vs. HO-3

    You might be thinking, “Can’t I just get a standard homeowners insurance policy (HO-3)?”
    The answer is no. Townhouses require a special type of policy designed specifically for them:
    the HO-6 condo/townhouse policy.

    An HO-3 policy is designed to cover the entire structure of a single-family home, both inside and out. However, because townhouses share connected structures and common areas, an HO-6 policy is the appropriate choice.
    Insurers don’t offer HO-3 policies for townhouses to avoid redundant coverage on the shared structure.
    The HO-6 policy focuses on covering the interior of your unit and your personal belongings.

    Part 3. Master Policy + HO-6: Creating the Perfect Combination

    The key to full protection for a townhouse is understanding how your HOA’s master policy and your personal HO-6 policy work together to cover all the gaps.

    • Master Policy: This policy, which is funded by your HOA fees, covers shared structures and common areas like the building exterior, roof, and hallways.
    • HO-6 Policy: This is your personal policy that fills in the gaps where the master policy leaves off.

    The type of master policy your HOA has will determine what your HO-6 policy needs to cover. You should review your HOA’s documents to find out if the master policy is ‘Bare Walls,’ ‘Single Entity,’ or ‘All-in.’

    Master Policy TypeWhat Your Personal HO-6 Policy Must Cover
    Bare WallsEverything from the interior walls inward, including plumbing, electrical, flooring, cabinetry, personal belongings, liability, and loss assessments.
    Single EntityAll upgrades and improvements made to the unit after its original construction, personal belongings, liability, and loss assessments.
    All-inPersonal belongings, liability, and loss assessments.

    An HO-6 policy provides crucial protection beyond the interior structure, including:

    • Personal Property Coverage: Protects your belongings like furniture, clothes, and electronics.
    • Personal Liability Coverage: Covers legal fees and settlement costs if someone is injured or their property is damaged on your premises.
    • Additional Living Expenses (ALE): Pays for temporary housing and other living costs if a covered event makes your home uninhabitable. This is crucial in a high-cost city like San Francisco.

    Part 4. San Francisco’s Hidden Risks: Earthquakes and Floods

    Beyond fire and theft, San Francisco faces unique natural disaster risks that are not covered by standard homeowners insurance.

    • Earthquakes: The U.S. Geological Survey (USGS) estimates a 72% chance of a magnitude 6.7 or greater earthquake hitting the Bay Area within the next 30 years. Standard policies do not cover earthquake damage, so you must purchase a separate earthquake insurance policy.
    • Urban Floods: San Francisco’s hilly topography and history of developed waterways mean it is vulnerable to urban flooding during heavy rainfall. Flood damage is not covered by either a standard home policy or earthquake insurance, making separate flood insurance through the Federal Emergency Management Agency (FEMA) a necessity.

    Part 5. The Real Cost of Being Uninsured

    Thinking you can “self-insure” to save money is a dangerous myth.
    The cost to rebuild a home after a major disaster can be hundreds of thousands of dollars , a financial burden most individuals cannot bear.

    While government aid from agencies like FEMA or SBA may be available, it is not a substitute for insurance. FEMA disaster grants, for instance, are capped at a maximum of $42,500, which is a drop in the bucket compared to total losses.

    Furthermore, what if someone is injured on your property?
    Without liability coverage, you would have to pay all legal fees and settlement costs out of pocket, a situation that could lead to financial ruin.

    Epilogue: Smart Insurance, The Path to Protecting Your Assets

    Whether you bought your San Francisco townhouse with cash or a loan, insurance is a critical safeguard.

    • How much will it cost?
      A standard HO-6 policy in San Francisco costs an average of $1,150 to $1,560 per year.
      In addition, you must consider earthquake insurance, which can cost an average of $1,770 to over $6,000 annually, and flood insurance.
      The total annual cost is estimated to be between $3,000 and $7,500.
    • Tips to save on premiums:
      • Compare quotes from multiple insurers.
      • Choose a higher deductible to lower your monthly premium.
      • Install fire prevention or security systems to qualify for discounts.

    To protect your home, which is likely your largest asset, don’t hesitate. Talk to an insurance expert today. Don’t be complacent just because you’re a cash buyer; make sure you’re fully protected from the risks of living in San Francisco.

    If you found this helpful, please share it with the community!

  • Finding Affordable Car Insurance for Immigrants : Money-Saving Tips and Recommended Comparison Sites

    Why Car Insurance Feels So Expensive for Immigrants

    One of the first big expenses after moving to the U.S. is car insurance.
    For many immigrants, the cost comes as a shock.
    Even if you’re a careful driver with years of experience abroad, U.S. insurance companies often treat you as a new driver because you don’t have a U.S. driving record yet.

    👉 This means higher premiums, sometimes double what locals pay.

    But the good news is: with the right strategies and tools,
    you can reduce your monthly payment significantly.

    How Car Insurance Works in the U.S.

    Before jumping into saving tips, it helps to understand why premiums vary so much:

    • Driving history → Accidents, speeding tickets raise your cost.
    • Credit score → In many states, insurers use it as a risk factor.
    • Location → Living in a busy city (like Los Angeles or New York) costs more than suburban or rural areas.
    • Type of car → A new luxury car costs more to insure than an older sedan.
    • Coverage level → Minimum liability is cheapest, but comprehensive protection is safer.

    Practical Ways Immigrants Can Save on Car Insurance

    1. Shop Around and Compare Quotes

    Prices can vary dramatically between companies for the same coverage.
    Never accept the first quote you get.

    2. Bundle Insurance Policies

    If you also need renter’s or home insurance, bundling them together often gives a discount of 10–20%.

    3. Ask About Discounts

    Many insurers offer hidden discounts:

    • Good student discount (for kids in school)
    • Safe driver discount
    • Defensive driving course completion
    • Paying 6 months upfront instead of monthly

    4. Adjust Your Coverage

    If your car is older, consider dropping collision or comprehensive coverage and just keeping liability. This can save hundreds per year.

    5. Improve Your Credit Score

    It may take time, but improving your credit can directly lower your insurance cost in many states.

    Recommended Car Insurance Comparison Sites

    To find the cheapest option, use online tools that let you compare multiple quotes:

    👉 Tip: Always get at least 3–4 quotes before choosing.

    Common Questions Immigrants Ask

    Q1: Can I get insurance without a U.S. driving history?
    Yes. Some companies accept foreign driving records or international licenses, but expect to pay more in the beginning.

    Q2: Do I need full coverage?
    It depends. If your car is financed (loan/lease), the bank will require full coverage. If it’s fully paid off, you can choose liability-only to save money.

    Q3: How long until my insurance gets cheaper?
    After 6–12 months of safe driving in the U.S., your premium usually decreases. After 3–5 years with no claims, you’ll see big savings.

    Final Thoughts: Smart Shopping = Big Savings

    For immigrants, high car insurance costs can feel unavoidable — but they don’t have to be permanent.

    👉 Key steps:

    • Compare quotes using trusted sites.
    • Adjust coverage to fit your situation.
    • Ask for discounts.
    • Keep a clean driving record.

    Within a year or two, you’ll see your rates drop and your options expand.

    💡 Remember: The first quote is rarely the best quote. A little extra time shopping around can save you hundreds of dollars every year.

  • Enrolling Your Child in School: Understanding the U.S. Education System

    Public vs. Private Schools, and ESL Program Guide for Immigrant Families


    Why School Enrollment Feels Complicated for Immigrant Parents

    Moving to the U.S. with children can feel overwhelming. Beyond finding housing and jobs, one of the biggest questions is:
    👉 “Where and how should I enroll my child in school?”

    Unlike Korea, where education pathways are more uniform, the U.S. system varies by state, school district, and even neighborhood. Understanding the basics will help you make the best choice for your child.

    Public vs. Private Schools: Key Differences

    Most immigrant families first face the choice between public and private schools.

    🏫 Public Schools

    • Free for residents, funded by local taxes.
    • Enrollment is based on your home address (school district zoning).
    • Quality can vary depending on the district. Families often move to neighborhoods with stronger school reputations.
    • Offer support services, including ESL (English as a Second Language) programs.

    🏫 Private Schools

    • Funded by tuition (can range from $10,000 to $50,000+ per year).
    • Admission is not tied to where you live.
    • Smaller class sizes, sometimes religious or specialized curriculum.
    • ESL support may not be as standardized as public schools.

    👉 Tip for immigrants: Most families start with public schools, since they provide ESL resources and are free. Later, if budget allows, some consider private schools for smaller class sizes or specialized programs.

    The Enrollment Process: What You Need

    When registering your child in a public school, typical requirements include:

    1. Proof of Address (lease agreement, utility bill).
    2. Child’s Birth Certificate or Passport.
    3. Immunization Records (each state has vaccination requirements).
    4. Previous School Records (translated if necessary).

    Enrollment usually starts at the local school district office or directly at the assigned neighborhood school.

    ESL Programs: A Lifeline for Immigrant Students

    One of the most important supports for immigrant families is the ESL (English as a Second Language) program.

    • ESL helps non-native English speakers adjust academically and socially.
    • Students receive additional English instruction while also attending mainstream classes.
    • ESL teachers often act as cultural bridges, helping both children and parents navigate the school system.
    • Placement tests determine the child’s English level and the intensity of ESL support.

    👉 Parents should ask:

    • “Does this school offer an ESL program?”
    • “How long does my child stay in ESL before transitioning fully to regular classes?”

    Understanding Grade Levels and School Structure

    The U.S. divides schooling differently from Korea:

    • Elementary School: Kindergarten (age 5) to Grade 5 or 6.
    • Middle School: Grade 6–8 or 7–8 (ages 11–13).
    • High School: Grade 9–12 (ages 14–18).

    Children are placed by age, not test scores. For example, a 10-year-old child will usually enter Grade 5, even if their English is limited. ESL support fills the language gap.

    Common Concerns of Immigrant Parents

    Q1: Will my child fall behind because of English?
    Not necessarily. ESL programs are designed to help children catch up. Many students adjust within 1–2 years.

    Q2: Can parents be involved in the school?
    Yes. Parent-Teacher Associations (PTA) welcome involvement. Schools encourage immigrant parents to join, even with limited English.

    Q3: What about after-school activities?
    Public schools often provide sports, music, and clubs. These activities help children make friends and practice English in real situations.

    Final Thoughts: Building a Strong Start

    Enrolling your child in an American school may feel confusing at first, but once you understand the system, you’ll see many opportunities.

    • Public schools provide free education and strong ESL support.
    • Private schools offer more flexibility but come at a cost.
    • ESL programs ensure that immigrant children don’t fall behind academically while learning English.

    👉 For immigrant parents, the best first step is contacting your local school district office and asking about enrollment, ESL availability, and school performance.

    With the right start, your child can thrive — academically, socially, and culturally — in their new American environment.

  • The Fastest Way to Improve Your Credit Score in the U.S

    Credit Card Strategies and Smart Credit Management Tips

    Why Credit Score Matters So Much in America

    If you’re new to the U.S., one of the first surprises is how important a credit score is.
    In Korea, renting a place usually means paying a deposit.
    But in the U.S., landlords, banks, and even phone companies all want to see your credit score.

    • Want to rent an apartment? They check your score.
    • Buying a car or a house? Your loan interest rate depends on it.
    • Even setting up a cell phone plan can require a big deposit if your score is low.

    In short, your credit score is not just a number —
    it’s like a financial passport that affects almost every part of life in America.

    Why Credit Cards Are the Fastest Way to Build Credit

    Many immigrants try to avoid credit cards because they fear debt.
    But here’s the truth:
    👉 If you only use cash, your credit score will not grow.

    Credit cards are the most effective tool to build credit quickly.
    The key is not to “spend more,” but to spend smart and pay on time.

    Biggest myths:

    • “If I carry a small balance, it helps my score.” ❌ Wrong. It only costs you interest.
    • “The more I spend, the faster my score goes up.” ❌ Wrong. Overspending hurts your score.

    The real formula is simple:
    👉 Use your credit card regularly, keep usage low, and pay the balance in full every month.

    Golden Rules for Raising Credit Score Quickly

    1. Keep Utilization Below 30%

    If your credit card limit is $1,000, don’t spend more than $300 a month.
    In fact, keeping it under 10% shows even stronger financial discipline.
    Banks like to see that you can use credit, but you’re not dependent on it.

    2. Always Pay in Full

    Pay the statement balance completely, not just the minimum payment.
    Paying only the minimum makes you look risky and racks up interest.

    👉 “Full payment, every month” is the golden rule.

    3. Build a Consistent Payment History

    35% of your credit score comes from payment history.
    Even small charges like a Netflix subscription or utility bill help build your score,
    as long as you pay on time.
    Set up Auto Pay to avoid missing due dates.

    Smart Shortcuts to Boost Your Score Faster

    Become an Authorized User
    If a family member with a strong credit history adds you to their credit card as an authorized user, their good history helps lift your score.

    Start with a Secured Credit Card
    For newcomers, traditional cards are often denied.
    A secured card (with a refundable deposit) is an easy way to start. After 6–12 months of responsible use, you can upgrade to a regular card.

    Don’t Apply for Too Many Cards at Once
    Every new application temporarily lowers your score.
    Focus on keeping your first account in good standing.

    Keep Old Accounts Open
    The length of your credit history matters.
    Closing an old account can actually hurt your score.

    Common Mistakes to Avoid

    ❌ Maxing out your credit limit
    ❌ Paying bills late, even by a few days
    ❌ Thinking debit cards build credit (they don’t!)
    ❌ Opening multiple cards too quickly


    Frequently Asked Questions (FAQs)

    Q1: Do I need to carry some balance to build credit?
    No. This is a myth. Paying your balance in full each month is the best strategy.

    Q2: How long does it take to see results?
    With consistent use and on-time payments, many people see noticeable improvements in as little as 3–6 months.

    Q3: What credit score should I aim for?

    • 700+: Good (approved for most loans with fair interest rates).
    • 750+: Very Good (lower interest rates, better offers).
    • 800+: Excellent (best loan terms, top credit cards).

    Q4: Can I check my credit score for free?
    Yes. You can check through apps like Credit Karma or directly from the three major bureaus (Experian, Equifax, TransUnion).

    Final Thoughts: Credit Score is a Habit, Not a Secret Trick

    There’s no magic button to jump from 0 to 800 overnight.
    But with small, smart steps, you’ll be surprised how quickly your score improves.

    👉 Start today:

    • Use your credit card for small, regular expenses.
    • Pay in full, on time, every month.
    • Keep your utilization low.

    Do this for a few months, and your credit score will not just improve —
    it will open new doors in your life in America.

  • K-Pop Dance 101: Your First Step to Dancing Like an Idol

    The Ultimate Guide for Beginners: From Choreography Tips to Online Classes

    Hello, everyone!
    Today, I’ve prepared a very special post for anyone who dreams of dancing as coolly as their favorite K-pop idols. Have you ever watched a flashy stage performance and wondered, “Could I ever dance like that?” It might seem too difficult at first, but don’t worry. We have ‘K-Pop Dance 101’ to guide us!

    What Does ‘101’ Mean?

    The term ‘101’ comes from the numbering system for introductory courses in American universities. For example, ‘Physics 101’ is the first class that teaches the basics of physics. This means that this article is the perfect first-step guide for beginners who know nothing about K-pop dance. So, let’s dive in and have some fun!  

    In fact, K-pop dance can be more than just a hobby—it can be a great way to bring vitality into our daily lives. According to a K-pop dance studio owner in Dallas , many students find that learning to dance helps them become more outgoing, make new friends, and even boost their self-confidence. That’s why it’s more important to focus on ‘enjoyment’ than on technical perfection.

    Dance Tips for Beginners: Learn Smartly While Having Fun

    1. Find Your Own Pace and Your Own Style

    Let go of the pressure to be as perfect as the idols. Just having fun and moving your body is enough. When learning from YouTube, it’s a great idea to slow down the video speed or loop difficult sections to practice at your own pace.  

    Not all K-pop choreographies have the same difficulty.
    Choosing a dance that fits your own rhythm and personality is a crucial tip for a successful dance experience. If you like smooth, groovy movements, I recommend BLACKPINK’s ‘Pretty Savage’ or ITZY’s ‘Wannabe’. Both have fun moves that are easy to follow without too much pressure. If you want something more powerful, you can challenge yourself with a song that has faster, more precise moves like ATEEZ’s ‘Say My Name’.

    2. Recommended K-Pop Dances for Beginners

    • FIFTY FIFTY – Pookie: With a difficulty level of 2.5 out of 5, this is a great choice for beginners. You can focus on learning the catchy hand movements and body grooves.  
    • BTS – Go Go: The choreography is not fast and the moves are simple, making it easy for those new to dance.  
    • ITZY – Wannabe: The ‘Wannabe’ shoulder dance is a simple yet stylish and fun move that anyone can easily learn.  
    • Nayeon – Pop!: This song is known for its easy and fun choreography, including the side-to-side ‘funky’ knee dance.

    3. Double Your Practice Effectiveness

    Have you ever wondered why an idol looks so much cooler doing the same move?
    It’s all about the small details.
    Pay attention to delicate movements like lightly flicking your wrist or tilting your head at a specific moment.  

    Beyond simply mimicking the moves, it’s essential to practice in front of a mirror to check and correct your form. Platforms like STEEZY Studio even offer a special feature that uses your camera as a virtual mirror, allowing you to see yourself next to the instructor.

    Find Your Own Studio to Learn Dance

    1. Your Room is a Dance Studio! Online Classes

    • YouTube: This is the mecca of K-pop dance covers. Countless cover artists provide step-by-step tutorials and ‘mirrored version’ videos, so you can practice on your own.  
    • Specialized Online Platforms (e.g., STEEZY Studio): These platforms address the limitations of YouTube. They offer dance-specific features like video flipping, looping difficult sections, and the virtual mirror to maximize your learning efficiency. You can even take classes from professional choreographers who have worked with BTS.  
    • Private Lesson Platforms (e.g., Superprof): If you want more personalized feedback, finding an online private instructor is a great option. Platforms like Superprof list online tutors who can give you customized lessons for an average cost of $25-$28 per hour .

    2. The Joy of Dancing Together! Offline Communities

    There are many K-pop dance studios and communities thriving across the U.S.. ‘K-Pop Dance Dallas’ in Dallas, for instance, has collaborated with HYBE America to serve as an audition platform , and the Korean Cultural Center in Los Angeles (KCCLA) also hosts various events like K-pop academies and dance festivals.
    These offline spaces offer a special experience that online learning cannot provide, allowing you to connect with others who share your passion.

    Dance: A Value Beyond the Moves

    Embarking on K-pop dance is more than just starting a new hobby; it’s the beginning of a meaningful journey to explore yourself and connect with a new community.
    The ‘101’ in this guide aims to clearly show you the starting point and the vast possibilities that K-pop dance offers.
    If you feel inspired by the idols’ dazzling performances, the most important thing is to enjoy turning that inspiration into reality at your own pace.

    Let go of the pressure to be a perfect dancer, and simply enjoy the process of each move,
    feeling your body and mind change positively.
    You can learn effectively on your own with YouTube and online platforms, and you can double the fun by joining an offline K-pop dance studio and community.
    The ultimate goal of this journey isn’t to dance exactly like an idol but to find true joy and confidence by dancing in your own way.

    So, what choreography do you want to learn first?
    Share your first K-pop dance challenge song in the comments below!
    I’ll see you next time with more exciting Hallyu stories!

  • Important Things to Know When Renting a Home in the U.S.

    Security Deposit Issues in U.S. Rentals

    When signing a rental contract in the U.S., the security deposit is one of the first hurdles.
    It usually equals one month’s rent, though some states allow landlords to charge two months or more.

    • Refund conditions: If the property is in good condition when you move out, you should get your deposit back. However, deductions are common for cleaning or repairs.
    • Tip: Always take photos or videos of the property’s condition before moving in. They can serve as evidence in case of disputes.
    • Extra note: Some states require landlords to keep deposits in a separate bank account. Check whether this rule applies where you rent.

    👉 In short:
    A U.S. rental security deposit is not just about the amount—it’s about the conditions for refund.


    The Role of Credit Score in U.S. Rental Contracts

    Your credit score plays a major role in whether your rental application is approved and under what terms.

    • Typical threshold: A score above 650 usually means approval is likely, while 700+ often secures better terms and more options.
    • If your score is low: Consider using a co-signer or offering several months’ rent in advance as an alternative.
    • For immigrants and students: Even without a U.S. credit history, you can strengthen your application with proof of income, an employment contract, or bank statements.

    👉 Bottom line:
    Credit scores heavily influence U.S. rental contracts, so building credit early is crucial.

    Lease Agreement Checklist in U.S. Rentals

    A U.S. rental lease is often long and detailed. Here are the most important sections to review carefully:

    1. Lease Term – Typically 12 months; check penalties for early termination.
    2. Utilities – Confirm what is included (electricity, water, gas, internet) and what is not.
    3. Maintenance & Repairs – Some leases require tenants to cover certain repair costs; clarify responsibilities.
    4. Pet Policy – Check whether pets are allowed, and whether extra fees or deposits apply.
    5. Renewal & Rent Increases – Many landlords raise rent upon renewal (commonly 5–10%); verify terms before signing.

    👉 Key takeaway:
    Lease agreements directly affect your monthly expenses. Read every clause before signing.


    Conclusion:
    The Three Most Important Rental Tips in the U.S.

    When renting a home in the U.S., always check:

    1. The security deposit and refund conditions
    2. The impact of your credit score
    3. The lease agreement details

    By paying close attention to these three factors, you can avoid unexpected costs and disputes.

    👉 For newcomers such as immigrants and international students, understanding U.S. rental contract tips is the first step toward a smooth and secure living experience.

  • Financial Management 101 for U.S. Immigrants: How to Use Milemoa

    Prologue:
    A Financial Guide for U.S. Immigrants, Milemoa

    Immigrating to the United States brings new opportunities but also challenges with an unfamiliar financial system.
    From the concept of credit scores to complex financial products and tax laws different from Korea, it is easy to feel financially illiterate during the early stages of settlement.
    To bridge this information gap and build a stable foundation for life in the U.S., the Korean immigrant community ‘Milemoa’ serves as an important guide, going beyond a simple website.

    Milemoa originally started as a personal blog focused on credit cards and travel information, but it gradually grew into a private community.
    The community has become a key venue for “financial cherry-picking,”
    where members share ways to earn and efficiently use airline miles and hotel points by taking advantage of sign-up bonuses offered by credit card companies.
    The site’s unique structure is that the operator generates revenue through credit card referral commissions and does not run any separate advertisements or sponsorships.
    In this way, Milemoa functions as an oasis for Korean immigrants, sharing practical financial knowledge for settling in the U.S.

    Part 1.
    In-depth Analysis of the Milemoa Community: Value Beyond Simple Information Gathering

    Milemoa’s Identity:
    A ‘Productive’ Financial Cherry-Picking Community

    Milemoa is known among its members as the “American version of Sasasa” (people who live smartly), where information on financial cherry-picking using credit cards is actively shared.
    One of the community’s most significant features is its unique membership base.
    The majority of users are in their 40s and 50s and tend to see themselves as highly educated or professionals.
    Because of this, Milemoa is highly regarded as a place to quickly obtain high-level information necessary for American life, such as healthcare, taxation, and immigration documents.

    Users have also described Milemoa as “the only site in the US where Koreans can have productive discussions with relative politeness, without extreme slander or criticism”.
    This is an important cultural asset that differentiates Milemoa from other Korean communities.

    The members’ high level of education and professional backgrounds are a key driver in forming a network for exchanging high-quality information on all aspects of American life, beyond just sharing mileage tips.

    The Productive Community Culture and Its Other Side

    The value of information in the Milemoa community dramatically increases due to the expertise of its members.
    For example, if an immigrant posts a question about tax issues or the healthcare system, members working in those fields often provide detailed answers quickly.
    However, an important premise applies to this information exchange: the ‘AYOR (At Your Own Risk)’ principle.
    This means that all information shared on Milemoa is not official professional advice, and the user alone is responsible for any consequences resulting from a bad decision.

    This principle highlights the duality of Milemoa. On the one hand, it enables the free exchange of information, but on the other, it requires users to be clearly aware of the information’s reliability and limitations.
    Due to the nature of anonymous communities, there is no way to verify if the person providing the answer is truly an expert in the field.
    Therefore, users should not blindly trust the information on Milemoa but use it as a reference to gain ideas. For important decisions with legal or tax implications, it is essential to consult with a certified professional.
    Critics outside the community also point out that some users boast about excessive spending or unethical behavior, such as buying and returning items just to get card points.
    To use the information on Milemoa wisely, it is necessary to consider these critical perspectives as well.

    Part 2.
    U.S. Credit Cards 101: From Building Credit to Smart Use

    Understanding the U.S. Credit System: Why Credit Score Matters

    In the United States, a credit score is a key indicator of an individual’s financial health.
    It not only affects credit card approval but also influences mortgage and car loans, and even job applications.
    For new immigrants with no credit history, building a credit score is the most important first step toward settling in the U.S.
    The most common way to build a credit score is to get a credit card and use it responsibly.

    Choosing Your First Credit Card as a New Immigrant

    Getting a regular credit card can be difficult for a new immigrant with no credit history.
    The most realistic alternative in this situation is a Secured Card.

    Everything About Secured Cards
    A secured card requires a security deposit of at least $200 and up to $5,000, which then becomes your credit limit. Using the card and making timely payments on it reports to major credit bureaus, helping you build a credit history.
    Popular secured cards include Discover’s ‘Discover IT Secured Credit Card’ and Bank of America’s Secured Card.
    The Discover secured card has no annual fee and offers a 100% cash back match at the end of the first year. Both cards also provide a free FICO credit score, allowing users to monitor their credit score changes directly.

    The Unwritten Rules of Credit Card Issuers: Know the ‘Rules’ and See the Opportunities

    In the U.S. credit card market, each issuer has its own unique card approval rules. Understanding these rules is an essential strategy for effectively accumulating points.

    • Chase’s ‘5/24 Rule’
      Chase’s ‘5/24 Rule’ is an unwritten rule that states if you have opened five or more personal credit card accounts in the last 24 months, your application for a new Chase credit card will be automatically denied.
      This rule includes cards from other issuers, so a common strategy for starting a credit card points game is to get Chase cards first. Recently, this rule has become so official that Chase customer service representatives directly mention it.
      It’s also important to note that cards where you are an ‘authorized user (AU)’ can also count towards the 5/24 rule. For new immigrants, who are often added as AUs to a family member’s account to build credit, this can unintentionally hinder Chase card approvals.
      If you exceed the 5/24 rule due to an AU card, you can call Chase’s reconsideration department and explain that the account is not a primary one.
    • AMEX’s ‘Lifetime Rule’
      American Express (AMEX)’s principle is to give a sign-up bonus for the same card product only ‘once in a lifetime’.
      Therefore, once you’ve received a bonus for a card, you won’t be able to get it again even if you cancel the card and reapply later.
      However, an exception to this rule can be found in personalized offers sent via email or mail, which often do not explicitly state this rule.
    • Citibank’s ‘8/65 Rule’
      Citibank also has its own application rules. You can only apply for one of their personal credit cards within 8 days and a maximum of two within 65 days.
      These rules are important guidelines for beginners to avoid application denials and build a planned card portfolio.

    Part 3.
    Mastering Miles/Points: A Strategic Approach for Maximum Value

    Understanding the Points Ecosystem: Value Beyond Cash

    The key to financial management with credit cards lies in how you use the points you’ve accumulated. While most points can be converted into cash (typically $0.01 per point), the true essence of miles and points is finding “sweet spots” by converting them into airline miles or hotel points to unlock value far exceeding their cash equivalent. This goes beyond simple savings and allows for premium travel and services that would otherwise be unaffordable.

    Dissecting the Three Major Point Systems

    The three major point systems in the U.S. credit card market—Chase’s UR, AMEX’s MR, and Citibank’s TYP—each have different characteristics and usage strategies.

    • 1. Chase UR (Ultimate Rewards): Expanding Value with a ‘Transformer Card’

      Chase UR points offer various redemption options. Points can be cashed out ($1,000) or used as travel credits through the Chase travel portal ($1,250) , and they can be converted to airline miles for high-value redemptions.

      A crucial concept here is the ‘Transformer Card.’ UR points earned from Chase Freedom cards cannot be directly converted into airline miles.
      However, if you own a ‘Transformer Card’ like the Chase Sapphire Preferred, you can transfer the points from your Freedom card to the Sapphire card, allowing you to convert them into miles for partner airlines like United Airlines or British Airways.

      This process significantly expands the value of your points and is an essential strategy for immigrants starting their points journey.
    • 2. AMEX MR (Membership Rewards): Journeying to Find a Sweet Spot

      AMEX MR points are a loyalty program for AMEX Centurion Design cards, with the advantages of no earning limit and the ability to combine points from family cards.

      MR points can be transferred to various global airline mileage programs. The true value of AMEX MR is in finding “sweet spots” through these transfer partners, such as business-class tickets on specific routes. For example, a savvy traveler might convert AMEX MR points to Qatar Airways Q-Suites to book a business-class flight from the U.S. to Asia at an extremely efficient point redemption rate.
      This kind of usage can lead to experiences that improve one’s quality of life beyond a simple monetary benefit.
    • 3. Citi TYP (ThankYou Points): The Strength of a Broad Partner Network

      Citibank’s TYP points, earned on Citi cards, have the strength of being convertible to a wide range of airline and hotel partners.
      They are especially useful through partnerships with airlines like Virgin Atlantic and Turkish Airlines, offering broad redemption options.
      Furthermore, premium cards like the Citi PremierMiles card offer benefits that exceed the annual fee, such as free access to airport lounges 25 times a year and bonus miles and vouchers based on annual spending.

    Part 4.
    Financial Management and Taxes: Overlooked Tax Knowledge

    The Relationship Between Financial Management and Taxes

    In the United States, all income is taxable, and income from financial management is no exception. While the tax status of credit card sign-up bonuses and cash back is often debated, cashback and mileage rewards are generally not considered taxable income.

    However, cash bonuses, such as interest on a deposit, may be taxable. Another form of income commonly encountered by immigrants in the U.S. is ‘tips,’ which must also be reported for tax purposes.

    U.S. Tax Reporting Basics: A Detailed Guide for Tip Income

    Tip income is defined as cash or non-cash payments given voluntarily by a customer. Both cash tips and tips received via credit card payments must be included in your total income for tax reporting. This is not just about paying taxes; it is an important way to prove your ‘legal income,’ which is necessary for financial activities like applying for a credit card or buying a house.

    Here’s how to report tip income: If an employee receives more than $20 in cash tips in a month, they must report that amount to their employer by the 10th of the following month.

    The employer then withholds federal income tax, social security tax, and Medicare tax from the reported tip income. This process ensures that tip income is officially recognized. If you have tips that were not reported to your employer, you must report them separately using

    Form 4137 on your personal tax return and pay the employee’s portion of the social security and Medicare taxes yourself.

    Epilogue:
    The Financial Management Mindset for Successful U.S. Settlement

    The path to financial management in the U.S., particularly within the Milemoa community, is not just about seeking short-term gains but about building long-term financial stability.
    A new immigrant should first focus on building a credit score with cards like secured cards.
    Once a credit foundation is established, you can start the ‘points game,’ strategically using credit card issuer rules like Chase’s ‘5/24 rule’ to accumulate points.
    Finally, the ultimate goal of miles and points is to wisely convert them to premium experiences that enhance your quality of life.

    However, throughout this entire process, it is crucial to always remember the Milemoa community’s ‘AYOR (At Your Own Risk)’ principle.

    The information you get online is for reference only.
    For important decisions concerning your personal financial situation and goals, you must consult with a certified financial advisor or tax professional.
    In this sense, financial management in the U.S. is not merely about saving and accumulating money; it is a journey that requires a proactive mindset of designing and taking responsibility for your financial future.

  • Moving to the U.S.? Here’s the Tax Stuff You Need to Know First

    1. The two ID numbers you’ll hear about on day one

    SSN vs. ITIN (what’s the difference?)

    SSN (Social Security Number):
    For people who are allowed to work. It’s used for jobs, taxes, and benefits.

    ITIN (Individual Taxpayer Identification Number):
    A tax-only ID from the IRS for people who can’t get an SSN but still need to file taxes or claim treaty/withholding refunds. It doesn’t give you work authorization or benefits.

    Quick rule:
    If you can get an SSN, do that. If you can’t but still have a U.S. tax reason, apply for an ITIN.

    2. Do I need an ITIN—and how do I get it?

    You need an ITIN if you don’t qualify for an SSN and you have to file a U.S. tax return (or be listed as a spouse/dependent on one), or you need to claim a refund or a tax treaty benefit.

    How to apply:

    Fill out Form W-7, attach it to your original tax return (1040 or 1040-NR), and include your ID (usually a passport—original or a certified copy by the issuing agency).
    You can mail it, book an IRS office appointment, or use a CAA (Certifying Acceptance Agent) to help with documents.

    First year is usually paper filing (because W-7 must be attached).
    After your ITIN is issued, you can e-file future returns.

    ITINs expire if you don’t use them on a federal return for three tax years in a row (they lapse on Dec 31 of the third year). You can renew when you need it again.

    3. Which form do I file—1040 or 1040-NR?

    U.S. tax law looks at whether you’re a tax resident or nonresident for the year (this is separate from immigration status).

    Tax resident (usually files Form 1040):

    • You have a green card, or
    • You meet the Substantial Presence Test (SPT): count all days this year + 1/3 of last year + 1/6 of the year before; 183 or more usually means resident. Residents report worldwide income.

    Tax nonresident (usually files Form 1040-NR):

    • You don’t meet those rules; in general you report U.S.-source income only.
      (See IRS Pub 519 for details and exceptions.)

    Mixed-status couples: in some cases you can elect to file jointly as residents to simplify life, but that can pull your non-U.S. income into the return. Talk to a pro first.

    4. Deadlines you can’t miss (and how extensions really work)

    Most people:
    file by April 15 each year. You can request an extension with Form 4868—that extends paperwork, not payment. If you owe, pay by April 15 to avoid penalties/interest.

    Living outside the U.S. on the due date?
    There’s an automatic two-month extension to file and pay (commonly to June 15) for U.S. citizens/residents abroad—interest may still apply if you pay after April 15.

    5. Common forms you’ll see in your first year

    W-2 (salary), 1099-NEC (freelance), 1099-INT/DIV (interest/dividends).

    Bought ACA/Marketplace health insurance? You’ll get 1095-A and must reconcile any advance credit at tax time. (Keep all forms in one folder. It saves you.)

    6. Credits & rules that trip up newcomers

    EITC (Earned Income Tax Credit): You generally need a valid SSN (ITINs don’t qualify).

    Child Tax Credit: The child must have an SSN to qualify for the main CTC/ACTC.

    7. Got money in non-U.S. accounts? Read this.

    Two separate regimes—confusing, but important:

    • FBAR (FinCEN): If your combined balance in foreign accounts ever goes over $10,000 during the year, you must e-file an FBAR by April 15; there’s an automatic extension to Oct 15 every year. (This is filed on the FinCEN system, not with your tax return.)
    • FATCA Form 8938 (IRS): If your foreign financial assets are above certain thresholds, you attach Form 8938 to your tax return. The thresholds vary by filing status and where you live.

    8. First-year checklist (save this)

    Get the right number: SSN if eligible; otherwise apply for ITIN with W-7 + your tax return.

    Decide 1040 vs. 1040-NR using the SPT/green-card rules.

    Track the deadline (April 15). Use Form 4868 if you need more time—but pay by April 15.

    Keep every W-2/1099/1095-A and bank statements in one folder.

    If you hold foreign accounts, check FBAR/Form 8938 rules early.

    9. Rookie mistakes to avoid

    Thinking an ITIN lets you work (it doesn’t).

    E-filing the very first year you apply for an ITIN (the W-7 process usually means paper the first time).

    Extending the return but forgetting to pay by April 15.

    Ignoring foreign-account reporting until the last minute.

  • A ‘Golden’ Week for Hallyu

    Hello, everyone!
    A new week has begun.
    What amazing things have unfolded in the world of K-Pop, K-Drama, K-Food, and K-Beauty over the past week?
    What would it be like if something magical suddenly happened in your ordinary life?
    This week’s blog, which summarizes the latest Hallyu news, starts with that very question.
    Would you believe that a single song from an animated movie rewrote K-Pop history? Yes, the story you’ve been waiting for every week is about to begin.

    Chapter 1: The Sound of Victory – K-Pop Rewrites the Rules

    A Historic ‘Golden’ Moment

    The first piece of news we must talk about this week is the miraculous announcement from the US Billboard charts.
    “Golden,” the original soundtrack from the Netflix animated film K-Pop Demon Hunters, proudly rose to the top of the Billboard main singles chart, the ‘Hot 100’. This achievement holds enormous significance beyond a simple chart ranking.
    The song is the first by female K-Pop vocalists to reach the top of the Hot 100, and it is the eighth song associated with K-Pop to achieve this feat, following six songs by BTS and solo tracks by Jimin and Jungkook.
    In addition, it also topped the UK’s ‘Official Singles Chart Top 100’, which, along with Billboard, is considered one of the world’s two major charts, creating a global sensation.

    The success of this song is particularly special as it imprinted the charm of K-Pop on a broad audience through a new medium—animation—going beyond the existing K-Pop fandom.
    The song conquered the charts purely on its own merit, without relying on a traditional idol group comeback or large-scale fandom pre-orders.
    This is definitive proof that K-Pop has grown from a “niche” genre for a specific fandom into a “universal genre” that can succeed in the mainstream market based on the power of the music itself.

    The film’s producer, Maggie Kang, said she was inspired by her childhood passion for the ’90s K-Pop group H.O.T. She wanted to capture the pure joy and excitement that fans feel, and that sincerity resonated with audiences worldwide.
    This is also the first time a song from a fictional narrative has topped the Hot 100 since the Disney

    Encanto OST “We Don’t Talk About Bruno”.
    The success of “Golden” proves that K-Pop is spreading globally through various forms and media, transcending music to become a powerful cultural content.

    The Rhythm of New Releases: The Start of a New Story

    In addition to this historic record, the past week in the K-Pop market saw a string of comeback announcements from major groups.
    First, Stray Kids, who set the unprecedented record of six consecutive No. 1s on the Billboard 200 chart, returned with their fourth full-length album, KARMA. The teaser video for the album, released on August 22nd, featured a near-future worldview centered on “Karma Coins,” stimulating the fans’ imagination.

    Meanwhile, IVE began their comeback activities with the release of their fourth mini-album, IVE Secret, on August 25th.

    IVE Secret is a new album that follows the group’s consecutive million-seller records.
    The posters and concepts released by their agency emphasized a “mysterious and elegant mood,” heightening fans’ anticipation.

    The comebacks of Stray Kids and IVE are notable as they are not just about releasing new songs but also about expanding the narrative and worldview each group pursues.
    K-Pop groups provide intricately built stories alongside their music, offering fans an immersive experience beyond simple listening.
    This artistic world-building strategy acts as a key factor in driving sustained interest and deep loyalty from fans.

    In addition, artists like KEY, Jeon Somi, and Choi Yena graced music show stages with powerful performances, making the past week’s music market even richer.

    Chapter 2: Stories on Screen – The Enduring Legacy of K-Drama

    An Unforgettable Journey: The Long Run of ‘When Life Gives You Tangerines’

    The K-Drama section begins by highlighting the unchanging popularity of a series that has already been released, alongside the anticipation for new ones. The Netflix series When Life Gives You Tangerines, which was released last March, continues to be a hot topic, with its popularity enduring through August. The drama climbed to second place in the Netflix ‘Global Top 10 Series (Non-English)’ category and was on the ‘Top 10’ list in 41 countries, including Korea, Brazil, Chile, Mexico, Turkey, the Philippines, and Vietnam.

    Starring IU and Park Bo-gum, the show depicts the brilliant youth of a middle-aged couple, delivering a universal message that transcends time. The drama’s long-running success shows that a great story and excellent acting can have the power to be continually discovered and loved by viewers, well beyond a ‘new release’ buzz.

    When Wishes Come True: A New Highly Anticipated Work

    And the news that most excited K-Drama fans this past week is undoubtedly this one.
    Netflix announced that writer Kim Eun-sook’s new series,
    All Will Come True, will be released on October 3rd, during the Chuseok holiday season.
    Writer Kim, who has achieved global success with hits like

    The Glory and Mr. Sunshine, is returning with a new project after about three years.
    The series has already garnered significant anticipation as it marks the reunion of lead actors Kim Woo-bin and Bae Suzy after nine years.

    All Will Come True is a romantic comedy about an emotionless human, Ka-young,
    and a career-interrupted lamp genie, Genie, who just woke up after a thousand years,
    as they embark on a journey over three wishes.
    An interesting point is that the release date is similar to the period when

    Squid Game achieved explosive global success.
    Since the success of Squid Game, Netflix has strategically released major Korean content during important holidays like Korea’s festive seasons and Christmas.
    This is not just content distribution but a sophisticated, data-driven marketing strategy based on a deep understanding of local culture.


    Chapter 3:
    The New Taste of America – The Delicious Expansion of K-Food

    From Fine Dining to Street Food

    K-Food has now established itself as a significant part of American food culture.
    The number of Korean restaurants in the US has surged by 10% in the last year, proving their growing status. This growth is not a single trend but is happening simultaneously through two paths: ‘High’ (premium) and ‘Low’ (popular).

    The high-end Korean restaurant Atomix in Manhattan, New York, won the ‘James Beard Award’, publicizing the artistic value and sophistication of Korean cuisine to the world.
    At the same time, “cheese corndogs” and “Korean-style fried chicken,” which gained great popularity on social media platforms like TikTok, have become quintessential street foods, growing explosively across the US.
    In particular, franchises like ‘Two Hands Corn Dogs’ have seen a massive spread, with the number of stores increasing by 52% in a single year.

    This ‘High-Low’ strategy gives K-Food the power to appeal to consumers of all classes.
    High-end restaurants like Atomix elevate the status of Korean cuisine, making food critics see it as a serious culinary art form worth exploring.
    Meanwhile, street foods make Korean food more accessible to the younger generation in a fun and easy way.
    These two trends create synergy, driving the sustainable growth of K-Food.

    The Pantry Revolution: Korean Food on Our Home Tables

    Beyond restaurants, K-Food is now penetrating deep into American homes.
    Major US retail chains like Costco, Walmart, and Trader Joe’s are now actively stocking a variety of Korean groceries, including dumplings, gimbap, ramen, and kimchi.
    Online distribution platforms are also further increasing the accessibility of Korean groceries.

    This phenomenon is a crucial sign that K-Food is moving beyond being part of a ‘dining out’ culture to becoming an ‘everyday ingredient’.
    This is happening because consumers who have been exposed to Korean food culture through Hallyu content are starting to cook or enjoy simple meals at home themselves.
    This trend, where cultural content consumption leads to actual product purchases, means that the demand for K-Food has moved beyond simple curiosity and is now deeply embedded in the American diet.


    Chapter 4:
    A Shining Story – The Transparent Ambition of K-Beauty

    The ‘Glass Skin’ Effect

    When we talk about K-Beauty, one keyword that cannot be left out is ‘glass skin’.
    This beauty trend, which seeks transparent and radiant skin like tanghulu, has continued to receive hot attention over the past week.
    Consumers are moving beyond simple coverage, showing a preference for multifunctional products that offer both efficacy and convenience, such as tone-up sunscreens and jelly tints. New products are also following this trend. Mamonde introduced the ‘Amazing Deep Mint Cleansing Line’, and ONE THING launched the ‘Di’Orgin Hyaluron Centella Asiatica Line’, keeping pace with consumer demand.

    It’s particularly interesting that the K-Beauty brand ‘OliviaUmma’, launched by a Korean representative in the US, is achieving great success with its ‘glass skin’ concept.
    This shows that K-Beauty has moved beyond simply exporting cosmetics made in Korea;
    it has now reached a stage where new brands specialized for the local market are being created based on K-Beauty’s innovation and know-how.

    Beyond Niche, Toward Premium

    The most significant turning point for the K-Beauty industry last week was the news of its entry into premium channels.
    The Korean beauty brand Beauty of Joseon officially entered US Sephora in July.
    As Sephora is a premium distribution channel that leads trends in the US beauty market, this entry signifies that Beauty of Joseon has been recognized as a ‘mainstream premium brand’ rather than just an ‘online niche brand’.

    Furthermore, Sephora selected the brand ‘OliviaUmma’, launched by a Korean representative in the US, as one of the brands to be supported in its ‘2025 Accelerate’ program.
    This is the first time Sephora has officially chosen a K-Beauty brand for incubation.
    This suggests that Sephora sees the potential of K-Beauty not as a temporary fad but as a sustainable business model and a core driver of the future market.
    The entry into major distributors like Sephora will be a significant step in increasing public trust in K-Beauty and accelerating its market expansion.

    Chapter 5: Concluding the Week

    Looking back at the past week’s news, it’s clear that Hallyu is advancing to a new level in all areas, from K-Pop to K-Beauty.
    It is no longer just a ‘culture exported overseas’ but is now perfectly integrated with local cultures, creating new value and solidifying its influence.
    The moment when “Golden” made history on the Billboard charts, and the sight of K-Food and K-Beauty permeating the daily lives of Americans, shows that Hallyu is no longer a foreign culture but a ‘joyful everyday life’ that enriches our own.

    That’s it for today’s blog.
    What was your ‘Golden’ moment for Hallyu this week?
    Leave your stories in the comments.
    We’ll be back next week with more exciting and interesting stories.
    Until then, be happy, everyone!