Some of the following Consumer Action publications are available in bulk for non-profit or government agencies to distribute for educational purposes. Further info can be found on the How To Order Publications page.

Library: Korean | Get Credit for Your Hard Work (2016 Tax Year) (Korean) Low-income working taxpayers may qualify for the federal EITC. The Earned Income Tax Credit (EITC) helps low-income, working taxpayers and families get more money back when they file their federal income tax return. This publication contains EITC guidelines for the 2016 tax year. Filed Under: Money Management on Jan 11, 2017

Library: Korean | Getting up to speed (Korean) . Today, high-speed home internet service (broadband) is virtually a necessity for everything from finding a job to doing homework. However, many low-income households are at a disadvantage because broadband has been unaffordable for them. This fact sheet explains more about broadband, including its importance, benefits, availability and pricing. It also presents special programs that offer low-income households fast home internet service at a discount.  Filed Under: Internet Money Management on Nov 14, 2016

Library: Korean | The Fair Debt Collection Practices Act (Korean) How it restricts collectors and protects consumers. This concise guide to the Fair Debt Collection Practices Act (FDCPA) makes consumers aware of what collectors must do under the law, what they are allowed to do, and what they are prohibited from doing. It also provides information about getting a collector to stop contacting you, what your options are if a collector violates the FDCPA and where to get more information or personal assistance. Filed Under: Consumer Rights Credit Debt Collection Money Management on Sep 20, 2016

Library: Korean | Money Management 1-2-3: THREE: Planning a Secure Future (Korean) . The “Money Management 1-2-3: Be Smart About Money All Your Life” series focuses on basic money management skills at the beginner, intermediate and advanced level. Part three, Planning a Secure Future, focuses on leaving the workforce, funding your retirement and protecting what you've accumulated. Topics include tapping your investments and home equity, staying adequately insured, managing medical expenses, the basics of estate planning and, for some grandparents, raising a second family. Filed Under: Money Management Mortgages on Jun 29, 2016

Library: Korean | Money Management 1-2-3: TWO: Achieving Financial Goals (Korean) . The “Money Management 1-2-3: Be Smart About Money All Your Life” series focuses on basic money management skills at the beginner, intermediate and advanced level. Part two, Achieving Financial Goals, addresses updating your budget, accumulating a nest egg and protecting your assets. Topics include budgeting and debt management, saving and investing, homeownership and insurance. Filed Under: Money Management Mortgages on Jun 27, 2016

Library: Korean | A consumer’s guide to choosing a prepaid card (Korean) . A prepaid card that charges low fees, comes with desirable features and offers strong consumer protections can be a good choice for many consumers. This publication will help you learn how to compare your options and choose the best prepaid card for your needs. Filed Under: Banking Money Management Prepaid Cards on Nov 06, 2015

Library: Korean | The right overdraft protection plan (Korean) A wise choice. Spending more money than is in your checking account can be a costly mistake. This fact sheet presents the consequences of overdrawing your account, the high cost of “courtesy” overdraft coverage, the better overdraft protection plans that exist and tips for avoiding overdrafts altogether. Filed Under: Banking Money Management on Sep 22, 2015

Library: Korean | Teens & Money - Talking to teens about money (Korean) . 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. Filed Under: Money Management on May 10, 2013

Library: Korean | Prepaid Cards (Korean) An alternative to credit and debit cards. Learn how reloadable prepaid cards are different from other forms of “plastic,” how to select the best prepaid card for your needs, how to reduce card costs and how to manage your card account wisely. Filed Under: Banking Money Management Prepaid Cards on May 08, 2012

Library: Korean | Your Digital Dollars - Mobile Banking and Mobile Payments (Korean) Make financial transactions safely on the go. Check your balance…transfer money…make a purchase—these are just a few of the things you can do on the go with a cellular telephone or other mobile device. Filed Under: Banking Fraud/Scams Internet Money Management on Apr 23, 2012

Library: Korean | Your Digital Dollars - Banking Online Safely (Korean) Protect your identity and accounts while banking by computer. Paying a bill, depositing a check or conducting any other financial transaction used to require a trip to the bank or post office. Now technology makes it possible to bank and pay bills without leaving your home or office. Filed Under: Banking Fraud/Scams Internet Money Management Privacy Rights on Mar 28, 2012

Library: Korean | Saving to Build Wealth - Make money work for you (Korean) . 이 소책자는 저축의 중요성과 저축의 활성화를 위한 장단기적 목표 설정, 저축 계좌를 개설하는 법 등에 대한 정보를 제공하며 예금 증서, 은퇴 연금 계좌, 미국 연방 정부 발행 국채, 대학 학자금을 위한 저축 계좌 등을 통한 좀더 빠른 재산 증식에 대해 설명하고 있습니다.

This brochure provides information about the importance of saving, setting short- and long-term goals to promote saving, opening a savings account and ways to make your money grow faster, including certificates of deposit (CDs), individual retirement accounts (IRAs), U.S. Savings Bonds and college savings accounts. Filed Under: Banking Investment Money Management on Oct 01, 2010

Library: Korean | Manage Your Money Wisely - Tracking your money (Korean) . 지금 당신이 어떤 것에 소비하는지 아는 것은 예산을 세우는 첫 걸음입니다. 예산은 당신의 비용을 예측하고 조절하는데 도움을 주는 지출 계획입니다. 예산을 세우기 위해 당신은 매월 얼마나 소비하는 지 알 필요가 있습니다. 그리고 그 숫자를 당신이 집에 가져오는 수입과 배교해 볼 필요가 있습니다.

Knowing what you spend now is the first step in creating a budget. A budget is a spending plan to help you forecast and control your expenses. To create a budget you need to know how much you spend each month - and compare that figure to your take home pay. Filed Under: Money Management on Sep 29, 2010

Library: Korean | Micro Business - Build a solid foundation (Korean) . 소규모 자영업체는 적은 숫자의 직원을 고용한 사업주에 의해 직접 운영되는 아주 작은 기업입니다. 이 회사들은 $250,000 이하의 연매출과 적은 자산으로 집에서 운영되는 경우가 많지만 좀더 넓은 지역을 상대하거나 프렌차이즈 사업으로 성장할 수 있도록 도움을 줄 수 있는 사업 자금 융자의 혜택을 받을 수 있습니다.

Micro businesses are very small companies run by their owners with few employees. They are often home-based, with annual sales under $250,000 and few assets, but they can qualify for loans to help them grow into large regional, national or franchise businesses. Filed Under: Money Management on Jul 22, 2010

Library: Korean | Personal Bankruptcy: Your financial fresh start (Korean) . 파산법은 감당하기 힘든 부채를 가진 소비자들의 경제적 새출발과 체계적인 부채 청산을 위해 제정되었습니다. 이 소책지는 2005년 10월 개정 발효된 개인 파산법에 대해 설명하고 있습니다.

Bankruptcy laws were passed in order to give people a fresh start, and to give debt-burdened consumers an organized, systematic way of paying back creditors. This publication outlines new rules for filing personal bankruptcy that became effective in October 2005. Filed Under: Money Management on May 11, 2010

Library: Korean | Staying on Track With Credit (Korean) How to use credit wisely. 크레딧의 장단점을 잘 이해하고 크레딧을 현명하게 사용하는 소비자에게 크레딧은 재정 관리를 위한 유용한 도구입니다. 이 소책자는 크레딧 카드, 홈 에퀴티 라인 오브 크레딧과 오버드레프트 라인 오브 크레딧을 포함한 오픈 엔디드 크레딧과 리볼빙 크레딧에 대한 설명과 크레딧 사용의 장단점에 대한 설명을 포함하고 있습니다. 또한 높은 비용의 크레딧을 피하는 요령을 포함하고 있습니다.

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. Filed Under: Credit Credit Reports Credit Scores Money Management on Jul 10, 2009

Library: Korean | Surviving and Controlling Debt (Korean) Know What You Want. 그림이 첨부된 이 자료는 부채를 잘 관리해 문제가 발생하지 않게하는 요령에 대해 설명하고 있습니다. 또한 부채에 대한 위험 신호와 부채를 줄이는 방법 등에 대한 설명과 채권추심업체, 부채 문제 상담, 그리고 파산에 관한 도움말도 포함하고 있습니다.

An illustrated fact sheet that discusses the importance of managing debt so that it does not become a problem. Explains debt danger signals and how to reduce debt. Also explains collection agencies, debt counseling, and bankruptcy. Filed Under: Banking Money Management on Apr 02, 1993

Library: Korean | Banking Basics (Korean) Checking Account Check List. 그림이 첨부된 이 자료는 개인수표구좌(Checking Account)를 어떻게 개설하는 지에 대해 설명하고 있습니다. 다양한 구좌의 종류와 수수료, 수표 처리, 자동 입금과 고지서 납부, 그리고 현금 자동 인출기(ATM)와 현금카드(debit card) 등에 대한 정보도 함께 제공합니다.

An illustrated fact sheet that explains how to open a checking account. Explains different kinds of accounts and their fees, check processing, automatic deposit and bill paying, and ATM/debit cards. Filed Under: Banking Money Management on Apr 02, 1993

Library: Korean | Budgeting and Planning (Korean) Building a Better Future. 그림이 첨부된 이 자료는 금전 관리를 위해 예산과 계획을 세우는 요령에 대해 설명하고 있습니다. 예산의 기능, 지출 관리법, 실천 가능한 예산 등에 대한 도움말과 정해진 예산을 집행하고 실천하는 요령에 대한 설명도 포함하고 있습니다.

An illustrated fact sheet explaining how to control financial problems by budgeting and planning. Explains the functions of a budget, how to do a cash flow analysis, and how to create a workable budget. Also describes how to stick to a budget and make it work. Filed Under: Banking Money Management on Apr 02, 1993

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