Library: Chinese | Get Credit for Your Hard Work (2008 Tax Year) (Chinese) Low income working taxpayers may qualify for the Federal EITC. 工薪退稅優惠(EITC) 有助於低收入工作納稅人及家庭在申報聯邦所得稅時得到更多的退稅。本手冊包含2008年稅務年度的低收入者工薪退稅優惠(EITC)指標。

The Earned Income Tax Credit (EITC) helps low income, working taxpayers and families get more money back when they file their federal income tax forms.This publication contains EITC guidelines for the 2008 tax year. Category: Money Management on Feb 09, 2009

Library: Chinese | Talking to Teens about Money (2009) (Chinese) . 這本24頁的手冊原先是為家長設計的﹐但對於較大年齡的青少年也很有用處。主題包括多方面﹕工作﹑預算﹑衡量購物究竟是"需要"或"想要"﹑銀行事務﹑支票﹑儲蓄﹑信用卡﹑信用報告﹑駕駛及手機等等。這本手冊對於每週開支評估﹑工資支票存根﹑如何以比價購物來省錢以及如何寫支票等均有舉例說明。手冊也包括一系列可供家長及青少年尋求協助的網站。

This 24-page booklet is designed primarily for parents but may also be useful for older teens. It covers many topics, including working, budgeting, figuring out if a purchase is a "need" or a "want," banking, writing checks, savings, credit cards, credit reports, driving and cell phones. The booklet contains illustrations and examples of a weekly spending evaluation, a paycheck stub, how comparison shopping can save money and how to write a check. It also contains a list of helpful web sites for parents and kids. Category: Money Management on Feb 02, 2009

Library: Chinese | ID Theft & Account Fraud (2009) (Chinese) Prevention and Clean Up. 所謂身份盜用犯就是一個騙子冒充別人的身份來非法牟利或是因為想要以新身份來掩飾自己。身份盜用犯﹐又稱為ID盜用犯﹐其之所以會產生就是騙子使用了你的個人資料來行騙或犯罪。此手冊能協助你採取行動預防身份被盜用﹐或是如果你已是受害者﹐如何清理身份盜用犯惹出來的麻煩以及減少它對你生活的衝擊。

An identity thief is an imposter who assumes another person’s identity in order to profit illegally or because the thief wants to hide behind a new identity. Identity theft—or ID theft—occurs when the imposter uses your personal information to commit fraud or other crimes. This publication can help you take steps to prevent ID theft, or if you are a victim, to clear up the problems created by ID theft and to lessen its impact on your life. Category: Privacy Rights Fraud/Scams on Jan 30, 2009

Library: Chinese | Keeping Your Home (Chinese) Tips for Successful Homeownership. 那些為了成功擁有住屋而去做計劃、訂預算以及有儲蓄的人，他們會有很高的＂居者有其屋＂機會並且將在幾年之後因為物業增值而建立財富．這本手冊涵蓋了房屋業主的理財責任及經營方法、如何保持和保護個人物業，以及如何增加及保留房屋凈值．

People who plan, budget and save for successful homeownership have a much better chance of keeping a roof over their heads and building wealth as property values increase over the years. This brochure covers the financial responsibilities of homeownership and how to manage them, how to maintain and protect your property, and how to build and preserve your home equity. Category: Insurance Housing Buying a Home Housing Insurance on Dec 05, 2008

Library: Chinese | Leave me alone (Chinese) (2008) Your privacy online—and offline. 你在互聯網內外的個人隱私權。手冊中對於個人隱私權觀念以及他人若是有得到你個人資料之管道，會是一件多麼重要而且務必要小心的事等方面，均有詳細的解說。本文主題包括網路空間隱私權、如何減少不受歡迎的垃圾推銷信件和電郵,以及如何保護個人在互聯網內外安全的十大要訣。

Leave Me Alone! Your Privacy Online - and Offline explains the concept of personal privacy and why it is important to be careful about who has access to your personal information. Topics covered include privacy in cyberspace, cutting down on unwanted junk mail and spam e-mail from marketers and 'top ten' ways to protect your privacy on and off the Internet. Category: Privacy Rights on Nov 03, 2008

Library: Chinese | Staying on Track With Credit (Chinese) How to use credit wisely. 對那些瞭解信貸的使用代價跟優點，以及懂得如何明智地使用信貸的消費者來說，信貸可以成為一種有用的財務工具。這本手冊解釋了「無限次」，又稱為循還式信貸，包括信用卡，房屋淨值信貸(HELOC: Home Equity Line of Credit)和支票透支信用額(Overdraft Lines of Credit)，同時還討論使用信貸的好處及壞處。該手冊還包括如何避免使用高收費信貸的技巧。

Credit can be a valuable financial tool for consumers who understand its costs and benefits and how to use it wisely. This brochure defines open-ended, or revolving, credit, including credit cards, home equity lines of credit and overdraft lines of credit, and discusses the pros and cons of using credit. It includes tips on high-cost credit to avoid. Category: Money Management Credit on Oct 29, 2008

Library: Chinese | Freeze Your Credit File (Chinese) Leave ID Thieves Out in the Cold. “安全凍結”信用檔案是一種預防及避免身份被盜用的工具﹐它可以阻止詐騙者利用你的個人資料來建立信貸記錄。這本手冊內容詳述如何“凍結”個人信用檔案，而且除非你暫時或永久取消凍結﹐它就可以防止別人以你的名義申請信貸。

A credit file "security freeze" is a preventive tool to help you avoid identity theft and to block impostors from using your personal information to establish credit. This publication explains how to "freeze" your credit file, which prevents new credit from being established in your name until you temporarily or permanently lift the freeze. Category: Privacy Rights Fraud/Scams Credit on Jul 06, 2008

Library: Chinese | Sensitive Information - Privacy and Your Medical Records (2008) (Chinese) . 個人醫療記錄隱私程度可能沒有你想像的高。手冊內容詳列各種步驟供你保護個人醫療記錄之隱私及正確。誤用醫療記錄導致個人失業、受歧視、身份遭竊以及各種窘況。

Your medical records are not as private as you might think. This booklet explains some steps you can take to guard the privacy and accuracy of your medical records. The misuse of medical records has led to loss of jobs, discrimination, identity theft and embarrassment. Category: Privacy Rights Insurance Health on May 22, 2008

Library: Chinese | Understanding Your Credit Score (Chinese) . 個人信用評分就是個人信用歷史的一個“寫照”。貸款公司﹑保險公司及其它相關行業用它來評估是否值得貸款給你﹐以及你是否會支付帳單和償還貸款。這本手冊內容有﹕何謂信用評分﹑如何解讀﹐以及如何保持或改善它。

Your credit score is a "snapshot" of your credit history that is used by lenders, insurers and others to assess your creditworthiness and the likelihood that you will pay your bills and repay outstanding loans. This publication explains how to learn your score, how to interpret it and how to maintain or improve it. Category: Credit on Feb 26, 2008

Library: Chinese | Recognizing Credit Card Fraud (Chinese) . 當消費者將信用卡號碼給了不熟識的人、信用卡遺失或遭竊、郵件被偷或被罪犯利用、公司職員複印他人信用卡或卡號，信用卡詐騙案就發生了。這本消費者行動最新發行的手冊提醒大家認明及避免形形色色有關信用卡之詐騙，例如：仿製信用卡、假冒騙取信用卡、身份盜用、偽造信用卡等等。

Credit card fraud happens when consumers give their credit card number to unfamiliar individuals, when cards are lost or stolen, when mail is diverted from the intended recipient and taken by criminals, or when employees of a business copy the card or card numbers of a cardholder. This new Consumer Action publication explains how to recognize and avoid many forms of fraud that involve credit cards, such as skimming, phishing, ID theft and counterfeit cards. Category: Fraud/Scams Credit Cards on Jan 16, 2008