U.S. Securities and Exchange Commission (SEC) regulatory compliance requirements are directly related to costs of taking any private company public and being a public company in United States.

For U.S. Domestic companies, attorneys and accountants must put their careers and firms at risk in doing a SEC filing for any company. They will charge their clients in accordance with that risk. Because Non-US company filling requirements don't require an attorney to accept responsibility for content of a SEC filing and because accountants aren't required to use GAAP and thus aren't as liable should there be errors in audit, costs of professional services are far lower.

The annual filings for a US Domestic Company are more numerous and require attorney and accountant liability for content of SEC documents. For these reasons you can take public and maintain registration for a Non-US company for about one-tenth costs of taking public and maintaining registration of a US Domestic Company.

US Domestic Companies Non-US Companies

If you plan to finance real estate, either as a home buyer or as an investor, these credit tips will help you with your credit score and save you money on loan costs.

1. Using expensive or undesirable types of credit costs too much and is negatively scored.

2. Accumulating too many lines of credit or too many credit cards causes credit report remarks like "too much consumer credit."

3. Only paying minimum due keeps balances too high.

4. Being maxed out on any credit card or line of credit causes deep drops in scores.

5. Taking cash advances costs higher interest and extra fees.

6. Exceeding limit and having to pay over-limit fees is a negative with creditors and causes "high proportional amounts owed" remarks on credit reports and subtracts credit score points.

7. Paying a day or more late causes unnecessary late fees and often increases interest rates.

8. Charging more than you can afford causes a snowball effect of amassing debt with no easy way to pay it off.

9. Letting someone else use your credit, such as co-signing a loan, raises your debt-to-income ratio and possibly adds "too many consumer accounts" on your credit report, which lowers your score.

10. Ignoring credit problems causes unnecessary negative impact. Talk to creditors before being late and make arrangements. This action heads off negative reporting to credit bureaus.

11. Failure to report address changes to creditors causes misplaced bills and late payments.