consumeraction

Library: Chinese | California’s Lemon Law (Chinese) Protection for new and used car buyers. 這本有關新車和二手車買主的加州保護法手冊將詳述州立檸檬法如何運作，涵蓋哪些車輛，以及大多數汽車經銷商採用的仲裁方案，以及加州的消費者應如何索償。
This fact sheet about California’s protections for new and used car buyers explains how the state Lemon Law works, which vehicles are covered, the arbitration programs used by most car dealers and how consumers can pursue a claim in California. Category: on Jun 09, 2017

Library: Chinese | Get a car loan (Chinese) That’s in your best interest. 如果你正在尋求貸款購買新車或二手車，即使你的信用記錄很差，你還是可以有很多選擇。然而，逾期付款和其它信用問題則會令貸款公司把你列為高風險客戶，並因此提高你的貸款利率。每家貸款公司的利率都有所不同，因此要貨比三家才能找到最划算的貸款。 If you are seeking financing for a new or used car, you could have many options even if you have a poor financial history. However, late payments and other credit problems signal lenders that you are a risky customer, which will increase the interest rate on the loans available to you. There are differences between lenders—so shop around to find the best deal. Category: Automobiles Credit Credit Reports Credit Scores Insurance on May 23, 2017

Library: Chinese | California’s Low Cost Automobile Insurance Program (Chinese) . 加州政府設立本保險計劃，為符合收入標準﹑行車記錄好的駕駛人提供低價的車輛責任保險。承保單由在加州註冊的保險公司開出。加州法律規定要設立一項加州低價車輛保險計劃，以滿足其財務責任法律的有關規定。 The State of California has developed this program to provide income eligible, good drivers with access to affordable automobile liability insurance. The policies are issued by California licensed insurance companies. California state law provides that a California Low Cost Automobile Insurance policy satisfies financial responsibility laws. Category: Automobiles Insurance on Apr 24, 2017

Library: Chinese | A guide to finding the right job training school (Chinese) . 如果一間職業學校及其課程具備聲譽而且收費合理，就讀這間學校對於你的未來會成為很有價值的投資。這本指南是專門編輯印製，以協助任何人在考慮報讀就業培訓課程或是職業學校時，能做出明理的選擇，避免積欠過多或毫無保證的學生貸款債務；當一旦不幸成為牟利學校相關詐騙的受害者時，也知道應去何處尋求協助。Job training can be a valuable investment in your future—if the school or program is reputable and fairly priced. This guide is designed to help anyone considering a job training program or vocational school make an informed choice, avoid excessive or unwarranted student loan debt, and know where to turn if they believe they are a victim of for-profit school fraud. Category: Consumer Rights on Mar 29, 2017

Library: Chinese | Get Credit for Your Hard Work (2016 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2016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 2016 tax year. Category: Money Management on Jan 11, 2017

Library: Chinese | Getting up to speed (Chinese) . 如今在實質上，家用高速互聯網服務（“broadband”寬頻網絡)，已經由個人求職到上網做家庭作業等等，每件事都需靠它來達成了！不過目前還有許多低收入家庭尚未能充分利用寬頻網絡服務，因為對他們而言，其費用是無法負擔的。這份教育手冊對於寬頻網絡服務有詳盡說明，包括它的重要性，好處，可用性和定價。本文還會介紹幾項幫助低收入家庭獲得高速互聯網服務，有優惠收費的特別計劃。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.  Category: Internet Money Management on Nov 14, 2016

Library: Chinese | Money Management 1-2-3: THREE: Planning a Secure Future (Chinese) . Money Management 1-2-3:你一生都應精明理財” ，這本系列手冊的詳述重點著重於初級，中級，和高級程度的基本理財技術方面。第三部份：規劃安定的未來，為失業預做準備，積存退休金，以及保障已儲存的積蓄。主題內容包括：提升個人投資及房產淨值，擁有足夠的保險，善加處理醫療開支，基本的遺產規劃，以及祖父母輩如需養育下一代的準備工作。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. Category: Money Management Mortgages on Nov 04, 2016

Library: Chinese | Watch out! Online video and your privacy (Chinese) . 如今的消費者可隨意選擇要怎樣看視頻或在何時何處看視頻，但同時他們也要面對個人隱私方面的新風險。本手冊提醒消費者留意由視頻下載和視頻分享所帶來的隱私問題，和可以採取什麼措施來保護自己。While consumers now have many more options for how, where and when they watch video, they also face new risks to their personal privacy. This publication makes viewers aware of the privacy issues raised by video streaming and video sharing technology as well as what they can do to protect themselves. Category: Internet Privacy Rights on Oct 05, 2016

Library: Chinese | The Fair Debt Collection Practices Act (Chinese) . 這本簡明的公平追討債務法案(FDCPA)小冊子讓消費者明白追債公司必須依照法律規定來追討債務，法律允許他們採取哪些行動，以及法律不允許他們採取哪些行動。該手冊還提供了關於如何阻止追債公司不斷聯繫你的資訊，如果追債公司違反公平追討債務法案(FDCPA)時你可以怎麼做，以及你可以從哪裡得到更多的資訊和個人援助。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. Category: Consumer Rights Credit Debt Collection Money Management on Sep 20, 2016

Library: Chinese | What’s not to ‘Like’? (Chinese) Protecting your privacy on social media . 在網上分享是一種非常流行的消遣方式。本文解釋了在社交媒體中過度分享個人資料的潛在風險，並提供了在參與社交網絡時可選用的一些技巧和工具，以便讓你安全上網的同時，能夠保護你的隱私。Online sharing is a hugely popular pastime. This publication presents the potential risks of oversharing on social media and provides specific tips and tools for participating in social networks while also protecting your privacy and staying safe online. Category: Internet Privacy Rights on Sep 14, 2016