Library: Chinese | Steering clear of pandemic-related scams (Chinese) 應對COVID-19(新冠肺炎).

新冠疫情為詐騙者提供了許多可以欺騙消費者的新機會。本刊物重點介紹與疫情相關的一些最為常見的詐騙類型，教你如何盡早發現並避免受到詐騙，同時也告知你應向何處舉報騙案以及詐騙企圖。

The coronavirus pandemic gave con artists many new opportunities to cheat consumers. This publication highlights some of the most common types of scams related to the pandemic, helps you spot and avoid a scam, and tells you where to report scam attempts. Category: COVID-19 Pandemic Fraud/Scams on Jun 21, 2021

Library: Chinese | What you need to know about how FinTech apps work (Chinese) 謹慎共享你的財務數據.

當今金融科技可以為那些希望將個人財務資料數字化的消費者提供吸引人的優越性。但是，就像所有建基於互聯網的工具和服務一樣，科技理財應用程式需要謹慎選擇和使用。這本刊物詳述各種科技理財工具的類型和運作方式，以及這些金融科技將對個人資料數據的隱私和安​​全會有什麼影響。（與本刊相關的另一本手冊，題為金融科技使用之隱私與安全性，提供實用可行的步驟，管理和保護個人數據的安全。）

Financial technology can offer attractive benefits for consumers who want to take their personal finances digital. But, like all internet-based tools and services, FinTech apps need to be chosen and used with care. This publication explains the types of FinTech tools available, how they work, and what that means for your data privacy and security. (Our companion guide, Privacy and security when using fintech apps, offers actionable tips for managing and protecting your data.) Category: Internet Money Management Privacy Rights Technology on May 14, 2021

Library: Chinese | Privacy and security when using FinTech apps (Chinese) 謹慎共享財務數據.

這份手冊為使用金融科技理財的消費者解釋，在選擇和使用相關應用程式時應如何做出明智的決定，採取哪些有效步驟來確保其財務帳戶數據的安全，一旦遇到問題時將會面臨什麼選擇。（與本刊相關的另一本手冊，題為金融科技程式的運作，概述了金融科技以及用戶在選擇和使用金融理財工具之前，應該注意哪些隱私和安全事項。）

This fact sheet gives FinTech users the knowledge to make wise decisions when choosing and using FinTech apps, take effective steps to keep their financial account data safe, and understand their options if something goes wrong. (Our companion guide, What you need to know about how FinTech apps work, offers an overview of financial technology and what privacy and security considerations users should be aware of before choosing and using digital financial tools.) Category: Internet Money Management Privacy Rights Technology on May 14, 2021

Library: Chinese | Avoid pandemic-related ID theft and account fraud (Chinese) 應對 COVID-19（新冠肺炎）.

許多身份盜用和其他詐騙者利用新冠肺炎疫情危機，盜竊消費者的個人身份資料，並用來謀取受害者的財物，侵入他們的帳戶，同時以受害者的名義開設新帳戶。本刊物例舉出消費者應該注意的一些最常見的新冠肺炎詐騙案例，提示應如何保護自己和帳戶資料，如何及時察覺一個詐騙和身份盜用事件，並詳述當你不幸成為受害者時應如何應對和採取哪些步驟。

Identity thieves and fraudsters have taken advantage of the pandemic to get a hold of consumers’ personally identifying information and use it to steal their benefits, access their accounts and open new accounts in the victims’ names. This publication identifies some of the most prominent pandemic-related schemes consumers should be aware of, offers tips for safeguarding your personal and account data, explains how to detect fraud and ID theft, and outlines the steps to take if you discover you’re a victim. Category: COVID-19 Pandemic Fraud/Scams ID Theft on Apr 23, 2021

Library: Chinese | The Contact Lens Rule and the Eyeglass Rule (Chinese) 消費者擁有重要的視力保健權.

目前約有75％的美國人需要配戴某種矯正眼鏡，他們每年在眼科做檢查和購置眼鏡方面花費高達數十億美元，但是很少有人了解在聯邦隱形眼鏡和眼鏡保障法令下，消費者應有之權益。這本刊物詳述了各項法規條款，並且列出網上鏈接提供消費者查核其他周邊資訊，同時也告訴你如果遭遇違反規定情況時，應至何處匯報。

The approximately 75% of U.S. adults who need some type of corrective lenses spend billions of dollars each year on eye exams and eyewear, yet few understand their rights under the federal Contact Lens Rule and Eyeglass Rule. This publication explains those rights, provides links to additional information, and tells you where you can report violations of the rules. Category: Consumer Rights Medical/Healthcare on Jan 29, 2021

Library: Chinese | Improving your financial health with FinTech - Video (Chinese) 個人理財應用程式初學者指南.

金融科技（FinTech）是專門使用互聯網及各種apps (應用程式, 是可供下載的行動軟件）的現代科技，專為消費者和企業而開發出功能強大的金融理財服務工具。對於那些希望改善他們的財務狀況並致力於實現目標的人，金融科技可以使相關過程更加便捷，成效高，甚至有回報。這本指南將詳盡介紹目前可供使用的金融科技（FinTech）種類以及它們如何為你提供幫助。本指南也將解釋選擇這些應用程序時應考慮的事項以及當你使用FinTech金融科技時應如何確保安全。

Financial technology (FinTech) is the use of modern technology, such as the internet and apps (downloadable mobile software), to develop powerful financial services tools for consumers and businesses. For those who are motivated to improve their finances and dedicated to working toward their goals, FinTech can make the process more convenient, efficient and even rewarding. This guide will introduce you to the types of FinTech tools available and how they can help you. It will also tell you what to consider when choosing an app and how to stay safe when using FinTech. Category: Banking Internet Technology on Jan 04, 2021

Library: Chinese | Get Credit for Your Hard Work (2020 Tax Year) (Chinese) 低收入工薪納稅人可以享有聯邦退稅優惠.

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。這本刊物內容包括EITC（聯邦低收入者工薪退稅優惠）2020年度稅務申報各項指標 （即為納稅人在2021年4月應繳的稅金）。

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 2020 tax year (for taxes due in April 2021).

NOTE: Announced on Dec. 20, a “lookback” provision will allow low-income workers to apply their 2019 earned income to their 2020 tax returns for the purposes of calculating the EITC or Additional Child Tax Credit (ACTC). For both these credits, the more you earn (while still remaining below the maximum), the higher your credit. The lookback measure will allow filers to receive a credit in line with their normal earnings level, rather than be penalized with a lower credit on top of reduced 2020 earnings caused by the pandemic. However, taxpayers must actively “opt in” to the lookback provision (it won’t automatically occur).

Category: Money Management Taxes on Jan 04, 2021

Library: Chinese | Telemedicine: What to know about virtual doctor visits (Chinese) 應對 COVID-19（新冠肺炎）.

冠狀病毒疫情促成了非緊急求醫之網上診療，這樣還可以幫助抑制COVID-19新冠肺炎的傳播。隨著越來越多的人藉由智能手機、平板電腦或電腦等而獲得遠程醫療服務，大家應該而且有必要了解何時以及如何進行網上診療，是否會由私人或政府資助的健保計劃涵蓋醫療費用，以及他們所提出的個人隱私權問題等。

The pandemic has driven non-urgent doctor visits online to help suppress the spread of COVID-19. As more people receive medical care remotely, via a smartphone, tablet or computer, it's important to understand when and how virtual visits might be an option, whether they're covered under private and government-sponsored health plans, and what privacy issues they raise. Category: COVID-19 Pandemic Insurance Internet Medical/Healthcare Privacy Rights Technology on Dec 21, 2020

Library: Chinese | Establishing or replenishing emergency savings (Chinese) 應對 COVID-19（新冠肺炎）.

許多消費者只有一點積蓄甚至完全都沒有積蓄，卻不幸陷入了COVID-19新冠肺炎危機，而有些人則在失業後竭盡全力以求維生。這本指南涵蓋了儲備緊急基金的目的和存款目標，個人在選擇存放基金的所在時所應考慮的各種因素，以及有助於實現目標的一些要訣和提示。另外還有一些可幫助存戶獲得收益的金融理財科技工具，讓你能一直保持在儲蓄正軌上。

Many consumers went into the COVID-19 crisis with little or no savings, while others depleted theirs trying to stay afloat after losing their jobs. This guide covers the purpose of, and target balance for, an emergency fund, what to consider when choosing where to keep your fund, tips and inspiration to help you reach your goal, and a list of some FinTech tools that can help savers get and stay on track. Category: COVID-19 Pandemic Money Management on Dec 21, 2020

Library: Chinese | Making a job or career transition (Chinese) 應對 COVID-19（新冠肺炎）.

冠狀病毒疫情已經造成了千百萬的美國人失業，還有許多人根據各種不同行業的發展狀況也需重新評估他們的工作和職業選擇。這本指南將幫助職場人士確認他們的工作機會，權衡他們的教育和培訓選擇，而去做出明智的選擇，並且能夠得知在何處可以獲得更多相關資訊。

The coronavirus pandemic has put millions of Americans out of work, with many others reevaluating their job and career choices in light of how different industries are faring. This guide will help workers identify job opportunities, weigh their education and training options, make wise choices, and know where to get more information. Category: COVID-19 Pandemic on Nov 06, 2020