Library: Chinese | Improving your financial health with FinTech (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.

Library: Chinese | Get Covered: Navigating private and government health insurance (Chinese) .

如果你沒有僱主贊助的健康保險或是Medicare聯邦醫療保險，你需要考慮選購其他醫保，如何選擇醫保將會是你面對的一大難題。 這本刊物專門介紹各種個人（而非“團體”）的健康保險資源（包括ACA可負擔健保銷售市場的各種資訊詳情），以及如何購買健康保險。而如果你是低收入者或不符合條件申請某些特定的健保計劃時，你還能獲得何種健保選項。

If you don’t have employer-sponsored health insurance or Medicare, figuring out your coverage options can be daunting. This publication explains the various sources of individual (not “group”) health insurance (including detailed information about the ACA Health Insurance Marketplace), how to purchase coverage, and what your options for health care are if you have very low income or are ineligible for certain programs.

Library: Chinese | Get Covered: Understanding your employer-sponsored health plan (Chinese) .

選錯保險計劃可能會因而無法獲得合適的受保範圍，也會大幅增加自費額，所以能夠瞭解如何做出最佳選擇是非常重要的。這本刊物將詳盡解説由僱主贊助的健康保險如何起到作用，如何進行選擇過程，同時瞭解如何加入健保及怎樣維持保險項目等要點。

Choosing the wrong health insurance plan can result in inadequate coverage and higher out-of-pocket costs, so it’s important to understand how to make the best choice. This publication explains how employer-sponsored health insurance works, how to approach the selection process, and what to know about enrolling and maintaining coverage.

Library: Chinese | Just Say No to Scams (Chinese) .

每年許多毫無戒心的消費者被欺詐騙取高達數百萬元，儘管如此，我們仍有辦法幫你避免成為詐騙受害者。這本指南將協助消費者瞭解騙子誘騙受害者的手段，認清並迴避掉入詐騙陷阱，同時學習如何預防受騙，以及知道如何向相關部門報案。

Scammers cheat unsuspecting consumers out of millions of dollars each year, but there are ways to avoid becoming a scammer’s next victim. This guide will help consumers understand how crooks reel in their prey, recognize and evade scam attempts, and learn about scam prevention and reporting resources.

Library: Chinese | Tax basics for earners in the ‘sharing economy’ (Chinese) .

“經濟共榮”可以讓你利用業餘時間來賺一點外快，它甚至也可能會成為你的主要收入來源。不過這兩類收入都可能對你的納稅情況造成影響。這本刊物與稅務建議無關，但可以協助你瞭解如何正確申報收入及開支、如何善加利用你應得的減稅優惠、如何避免在申報退稅時有任何意外驚訝發生，以及如何獲得更多相關資訊及協助。

The sharing economy might enable you to put a little extra cash in your pockets in your spare time, or it could be your primary source of income. Either way, earning money will have an impact on your tax situation. This publication, while not tax advice, will help you understand how to report your income and expenses accurately, why you should take advantage of all the deductions you’re entitled to, how to avoid an unpleasant surprise when you file your tax return, and where to get more information and assistance.

Library: Chinese | FEMA spells federal disaster relief for homeowners and renters (Chinese) .

聯邦緊急災難處理局(FEMA)在災難發生後提供各類救援計劃，協助受災者整修、重建，或更換他們的住屋及財產。這本刊物詳盡說明聯邦緊急災難處理局(FEMA)各項對於房屋業主及租客所提供的援助，也列舉了各項援助之合格指標及申請程序。刊物同時也特別指明FEMA的救援範圍始終有限，個人還是應該購買適當保險來加強保障。

The Federal Emergency Management Agency (FEMA) offers a variety of programs to help victims of disasters repair, rebuild or replace their homes and possessions. This publication describes the types of FEMA assistance available to homeowners and renters and provides details about program eligibility and the application process. It also highlights the limitations of FEMA assistance and stresses the importance of purchasing adequate personal insurance coverage.

Library: Chinese | Homeowners and renters insurance (Chinese) What you need to know before and after a natural disaster.

由於大多數的美國居民都住在會發生自然災害的風險地帶，所以幾乎每個家庭都應慎重考慮，在未來一旦失去家園或財產時將如何復原。本刊物詳盡說明哪些損失可以(或是不可以)得到房屋業主或租客的保險理賠； 如何確保購買足夠的保險； 當災難發生後你應該及時採取的求償步驟；以及在保險不足時你仍有哪些可求助的渠道。

With the majority of U.S. residents living in areas at risk of a natural disaster, most households need to seriously consider how they would recover from the loss of their home and possessions. This publication explains which disaster losses are—and are not—covered under a standard homeowners or renters insurance policy, how to make sure you are adequately insured, what steps to take to recover your losses after disaster strikes, and what your options are if your insurance falls short.

Library: Chinese | Micro Business: Preparing for success (Chinese) .

開創一個很小──或是微型──企業，可能會成為日後長期專業化以及財務成功的關鍵。但是由於很多企業無法在開始幾年後繼續維持下去，所以個人想成為一位企業家的決定絕非易事。這本指南對於計劃創業之過程，以及如何達到微型企業成功目標均有詳盡解說，內容包括：成本／盈利估算、資金籌備、確認法律及專業運作所需項目（如保險、簿記、業務建議等等），以及在互聯網營業之相關事宜。

Starting a very small—or micro—business can be the key to long-term professional and financial success. But since many businesses do not make it past the first few years, becoming an entrepreneur is not a decision to make lightly. This guide explains the process of planning and launching a micro business, from estimating costs/earnings and finding funding to identifying legal and professional needs (insurance, bookkeeping, business advice, etc.) and doing business on the internet.

Library: Chinese | Personal Bankruptcy: Your financial fresh start (Chinese) .

消費者在承受債務重擔時，申報破產可以再重新規劃個人財務。但是在做這個決定以前，你應該先盡量瞭解關於破產的處理過程，以及個人可能會受到的影響。這本指南對於兩種不同的個人破產型式、申報人的必備條件、相關債務及資產會產生哪些變化、有哪些可以考慮的替代方法、一般會進行的法律程序，以及何處可獲取協助資源及更多訊息等等，均有詳盡說明。

Bankruptcy can offer a financial fresh start for consumers overwhelmed by debt, but there is a lot to know about the process and potential consequences before a decision to file can be made. This guide explains the differences between the two types of personal bankruptcy, what is required of filers, what happens to debts and assets, alternatives to consider, the general legal process, and where to find assistance and more information.

Library: Chinese | Get Credit for Your Hard Work (2019 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2017年稅務年度的低收入者工薪退稅優惠(EITC)指標。