Chinese Library: Insurance

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: 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. Category: Insurance Home Repair Housing Insurance on Jul 24, 2018

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. Category: Housing Home Repair Housing Insurance Insurance on Jul 11, 2018

Library: Chinese | Insuring yourself in the ‘sharing economy’ (Chinese) . “經濟共榮”可以提供你新的賺錢方式,但如同任何商業公司或自雇工作一樣,你還是需要考慮保險問題。這本刊物對於各種型式的經濟“共榮”所可能產生的風險有詳盡說明,列舉了各營業平台通常提供參與者哪些保障,你的個人保險是否缺乏某方面的保障,以及有哪些保險選項可幫你獲得全面保障,最後文內還詳列有其它相關資訊。 The "sharing economy" can offer you new ways to earn, but, as with any business or self-employment venture, there are insurance issues to consider. This publication explains the potential risks associated with each type of "sharing," what protection is typically available from the "platforms" that connect users, how your personal insurance may fall short, what your options are for full protection, and where to get more information. Category: Insurance on Oct 18, 2017

Library: Chinese | Time for an insurance checkup (Chinese) . 個人應該保持適當足夠的保險,其意義在於你每年都需要重新評估自己的保險涵蓋範圍,同時如果你的生活中發生特殊狀況時,你應如何調整個人保險去應對。這本查核個人保險的刊物詳述對於定期查核個人保險條款的重要性,也列舉各項會造成個人保險涵蓋範圍改變的生活特殊狀況。同時內容也有你應如何妥善處理個人保險的相關提示及查核工具,以及各項網上資源鏈接以供消費者查詢。 Staying adequately insured means reassessing your coverage each year and adjusting it in response to specific life events. This Insurance Checkup fact sheet explains why it’s important to revisit your insurance policies regularly, lists specific life events that typically warrant a change in coverage, provides tips and tools for managing your insurance and offers links to resources where you can learn more. Category: Auto Lending/Insurance Housing Insurance on Aug 16, 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: Auto Lending/Insurance Insurance on Apr 24, 2017

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: Insurance Investing Medical/Healthcare Mortgages Money Management on Nov 04, 2016

Library: Chinese | Money Management 1-2-3: TWO: Achieving Financial Goals (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。第二部份:完成財務規劃目標,列明如何更新個人預算表,積存老本,以及保護個人資產。主題內容包括:如何處理預算及債務,申報所得稅需知,關於儲蓄和投資,以及成為屋主及購買相關保險等等。 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. Category: Credit Debt Collection Housing Insurance Investing Mortgages Money Management Taxes on Aug 24, 2016

Library: Chinese | Auto Insurance: The Basics (Chinese) . 每位駕駛人士都有責任購買一份合適的汽車保險。這本指南將協助你決定你需要選購哪些保險項目及保額多少,以及怎樣才能以最合理的價錢得到最佳的保障。It’s every driver’s responsibility to have adequate auto insurance. This guide will help you determine how much—and what kinds of—coverage you need, and how to get protection at the best price. Category: Auto Lending/Insurance Insurance on Aug 10, 2015

Library: Chinese | Keeping Your Home - Protect your investment (Chinese) . 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: Foreclosure Housing Buying a Home Housing Insurance Insurance Mortgages on Sep 28, 2010

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