Library: Chinese | Computer, tablet and smartphone warranties: Understanding and exercising your rights (Chinese) .

擁有電腦、平板電腦或智能手機可能是一項巨大的投資，因此最重要的是需要知道，如果你的設備有某種缺陷，你應受到一些保障。這本指南詳述了各類型產品的保證期如何運作、為什麼延長保證期和保險未必是一個好主意、個人依據法律所享有的保證期權利、如何提出理賠，以及如果個人對於自己理賠結果並不滿意時應該如何處理。

A computer, tablet or smartphone can be a big investment, so it's important to know you'll be protected if you get a device with some sort of defect. This guide explains how warranties for these types of products work, why extended warranties and insurance aren't always a good idea, your warranty rights under the law, how to file a claim, and what to do if you're dissatisfied with how your claim is handled. Category: Consumer Rights Technology Telecom on Apr 19, 2024

Library: Chinese | Get Credit for Your Hard Work (2023 Tax Year) (Chinese) 低收入工薪納稅人可以享有聯邦退稅優惠（EITC).

聯邦工薪退稅優惠 (EITC) 可幫助低收入在職納稅人和家庭在提交聯邦所得稅申報表時獲得更多退稅優惠。這本版物包含 2023 納稅年度的 EITC 指標（適用於 2024 年 4 月繳稅期限的稅款）。

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 2023 tax year (for taxes due in April 2024). Category: Money Management Taxes on Dec 12, 2023

Library: Chinese | Investing for Communities of Color: Build generational wealth (Chinese) .

由於種種原因，有色人種社區的投資率是低於白人的。但投資是實現長期財務保障和累積世代財富的重要關鍵。這本刊物詳述了關於有色人種社區投資的各項障礙，為何現在開始投資仍然至關重要，應該如何開始投資（即使你並沒有太多錢）和怎樣保持正向運作，以及在何處可以查詢更多關於投資和個人理財的資訊。

For a number of reasons, communities of color invest at lower rates than white people do. But investing is a key component of achieving long-term financial security and building generational wealth. This publication explains the barriers to investing for communities of color, as well as why it’s crucial to start investing now, how to get started (even if you don’t have much to invest) and stay on track, and where to find more information about investing and personal finance. Category: Investing on Apr 17, 2023

Library: Chinese | Investing for Women: Take control of your financial future (Chinese) . Women have some additional challenges to overcome when planning for the future and getting started investing. This publication identifies some of the barriers to investing that women face, explains why women must invest, and offers tips and resources for getting started and managing an investment portfolio wisely. Category: Investing on Mar 16, 2023

Library: Chinese | In Brief: Your rights under the California Consumer Privacy Act (Chinese) .

加州消費者隱私法 (CCPA) 賦予居民關於各公司企業收集有關他們個人資料的重要隱私權保障權利。這本 CCPA 全文指南的精簡版概述了關於消費者個人由 2023 年 1 月 1 日開始所獲得的權利，請瀏覽：（立即採取行動！依據加州消費者隱私法行使個人權利).

The California Consumer Privacy Act (CCPA) gives residents important rights regarding the personal information that businesses collect about them. This condensed version of our full-length CCPA guide provides an overview of your rights as of Jan. 1, 2023. Category: Privacy Rights on Feb 17, 2023

Library: Chinese | Take action! Exercise your rights under the California Consumer Privacy Act (Chinese) .

這本指南詳述了California Consumer Privacy Act（加州消費者隱私法： CCPA) 所有可被涵蓋的法規受益者和範圍，同時描述了個人如何行使自己的權利，並列舉可以保障個人數據的各項提示。這本指南內容包括由 2023 年 1 月 1 日起開始生效之新訂法規。請點擊此處查看指南精簡版：(濃縮版：關於 California Consumer Privacy Act（加州消費者隱私法）的個人權利)

This guide explains who and what is covered by the California Consumer Privacy Act (CCPA), describes how you can exercise your rights, and offers tips for protecting your personal data. It has been updated to reflect changes in the law that took effect on Jan. 1, 2023. Click here for a condensed version of the guide. Category: Privacy Rights on Feb 16, 2023

Library: Chinese | Investing Basics: Get started putting your money to work for you (Chinese) .

投資是一項對於任何長期財務計劃的關鍵要素。這本指南詳述有關穩健投資的基本原理，同時提供消費者在選擇投資時的一些主要考慮因素，並說明開戶方法，以及協助你獲得更多學習資源。

Investing is a crucial element of any long-term financial plan. This guide introduces the fundamentals of sound investing, presents key considerations when choosing investments, explains how to open an account, and provides resources to help you learn more. Category: Investing on Feb 10, 2023

Library: Chinese | Coronavirus vaccination outreach resources for community-based organizations (Chinese) 應對COVID-19 (新冠肺炎).

如果能夠讓大多數人都接種疫苗以實現群體免疫，這對於挽救生命和幫助國家從疫情破壞中恢復都是相當重要的。但截至 2021 年 7 月為止，仍有大約一半的美國成年人尚未接種​​疫苗。本指南將分享目前各類可靠來源的推廣工具和資訊， 這將幫助各個社區組織在其社區內鼓勵和傳遞相關訊息，讓居民接種COVID-19 新冠肺炎疫苗 。

Getting enough people vaccinated to achieve herd immunity is critical to saving lives and enabling the country to recover from the devastation of the pandemic, yet as of July 2021, around half of U.S. adults were still unvaccinated. This guide shares tools and information from trusted sources that will help community-based organizations encourage and communicate about COVID-19 vaccination within their communities. Category: COVID-19 Pandemic Medical/Healthcare on Sep 20, 2021

Library: Chinese | Distinguishing between vaccine fact and fiction (Chinese) 應對COVID-19 (新冠肺炎).

雖然目前數以百萬計的美國人已經安全接種疫苗，但仍有數百萬人還沒有接種疫苗，其中許多人是根據不正確或誤導性之訊息而決定不要接種疫苗的。本版物是用事實去反駁了一些具體的疫苗接種反對意見，同時詳盡解說為何有些人應該接種疫苗，並提示應該如何識別和停止傳播任何有關疫苗的錯誤及虛假訊息，最後指引讀者尋求能夠協助他們接種疫苗的資源。

While many millions of Americans have been safely vaccinated, millions of others have not, with many basing their decision not to get the vaccine on inaccurate or misleading information. This publication counters specific vaccination objections with facts, explains why someone should get vaccinated, gives tips for recognizing and stemming vaccine misinformation/disinformation, and directs readers to resources that can help them get a vaccination. Category: COVID-19 Pandemic Medical/Healthcare on Sep 14, 2021

Library: Chinese | Lifeline and the Affordable Connectivity Program (Chinese) 這是為低收入家庭所提供的電話和互聯網折扣優惠計劃.

寬頻（高速）互聯網服務對於完成日常生活中的各種必要任務至關重要，其中包括學習和做功課、遠程辦公、求職、處理銀行業務，以及參與各項遠程醫療服務。這本指南詳盡介紹了為符合條件的中低收入家庭提供家庭寬頻互聯網服務和手機數據服務這兩項聯邦折扣計劃。

計劃更新：由於缺乏國會的額外資金，可負擔互聯網通訊優惠計劃（ACP）已凍結並暫停新的 ACP 申請和註冊服務。如需獲得可負擔互聯網通訊優惠計劃（ACP）相關福利，消費者必需在美東時間二月七日晚上 11點59 分之前獲得各網路服務供應商的申請核准並且註冊。而已經加入 ACP 的消費者在 2024 年 4 月之前則可以繼續享受該計劃之福利。（這僅是一項估計，以後有可能會改變。）日後國會若是決定為 ACP 計劃提供更多撥款，FCC （聯邦通訊委員會）將會對於推動ACP計劃提供更進一步的指引和輔導。如果計劃將會延續，消費者行動(consumer Action)也會立即更新相關訊息。查詢詳情請至。

Broadband (high-speed) internet service is essential for conducting the necessary tasks of daily life, including learning and doing homework, telecommuting, looking for a job, banking, and accessing remote health services. This guide introduces the two federal programs that offer discounts on home broadband and wireless data service for qualifying low- and moderate-income households.

PROGRAM UPDATE: Due to a lack of additional funding from Congress, the Affordable Connectivity Program has placed a freeze on new ACP applications and enrollment. Consumers must be approved and enrolled with an internet service provider by 11:59 p.m. ET on Feb. 7 to receive the ACP benefit. Consumers who are enrolled in the ACP will continue to receive their benefit through April 2024. (This is an estimate, and could change.) If Congress decides to provide more funding for the ACP, the FCC will provide further guidance and instructions on how the program will proceed, and Consumer Action will update this message. Learn more here.
Category: Internet Telecom Wireless on Aug 26, 2021

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: FinTech 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: FinTech 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 FinTech Internet Technology 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

Library: Chinese | Personalized privacy: Customizing your Facebook settings (Chinese) .

在這個全世界最大的社交網絡上，設置謹慎周全的隱私保護措施是絕對必要的。這本刊物提供了Facebook各種隱私管理工具（包括基本和加強級別兩類）的應用方法詳細說明。

On the world’s largest social network, a prudent approach to privacy is critical. This publication provides detailed instructions for using the various Facebook privacy management tools—both basic and advanced. Category: Internet Privacy Rights on Oct 30, 2020

Library: Chinese | Get Covered: Choosing and using Medicare (Chinese) .

聯邦醫療保險（Medicare）並不是一種全方位的計劃———你個人所做的選擇，將會影響你的受保範圍和所需支付的費用。這本刊物詳細說明個人應在何時以及如何註冊參加Medicare（聯邦醫療保險）、聯邦健保計劃的每個“Parts”（部份 ）究竟涵蓋哪些範圍，還有關於個人在選擇受保範圍時應考慮的要點，以及何處可以查詢更多詳情。

Medicare is not a one-size-fits-all program—the choices you make affect your coverage and costs. This publication explains when and how to enroll in Medicare, what each of the “Parts” of the program cover, what to consider when making your coverage choices and where to find more information.

Category: Insurance Medical/Healthcare on Aug 21, 2020

Library: Chinese | Estate planning: Critical decisions for uncertain times (Chinese) 應對COVID-19（新冠肺炎）.

COVID-19新冠肺炎疫情已經使人人都深切意識到，在危機來臨之前應該明智決定，先做出至關重要的臨終規劃。這本刊物概述了每個人應該即日就做出關鍵性的遺產規劃，同時內容有詳細說明哪些遺產規劃文件和工具可以確保個人遺願在來日得以實現。並且還有提供各種資源，例如其他相關資訊、怎樣得到協助，以及如何採取下一步措施等。

The COVID-19 pandemic has driven home the wisdom of making critical end-of-life decisions before a crisis strikes. This publication outlines the key estate planning decisions everyone should make now, explains which documents and tools help ensure that your wishes are carried out, and provides resources for learning more, getting help and taking next steps.

Category: COVID-19 Pandemic on Aug 20, 2020

Library: Chinese | Fair housing rights for those affected by the pandemic (Chinese) 應對COVID-19（新冠肺炎）.

聯邦Fair Housing Act（公平住屋法案）保護租屋申請者、租客、屋主以及預備購屋者免受各種形式的住屋歧視。本刊物解釋在COVID-19新冠肺炎疫情期間，你應受到同樣的住屋權益保護而不被歧視，萬一當你不幸遭遇歧視時你應採取的什麼行動以保障自己的權益。

The federal Fair Housing Act protects rental housing applicants, tenants, homeowners and prospective homebuyers from various forms of discrimination. This publication explains how these same rights may protect you from discrimination related to the COVID-19 pandemic, and the steps to take if you do experience discrimination.

Category: Consumer Rights COVID-19 Pandemic Discrimination Housing Discrimination Tenant Rights on Jul 17, 2020

Library: Chinese | Financial assistance for undocumented workers (Chinese) 應對COVID-19 (新冠肺炎).

在COVID-19（新冠肺炎）疫情期間，數百萬無證員工沒有資格獲得政府向美國公民所提供的聯邦經濟援助。這本刊物提供各項協助資源和申請提示，可供查詢各州、地方和私人之專門設置為無證移民或在確定申請資格時不需提供移民身份的財務援助計劃。

Millions of undocumented workers are ineligible for the federal economic aid available to U.S. citizens during the COVID-19 pandemic. This publication provides tips and resources for finding state, local and private financial assistance programs that are designed specifically for undocumented immigrants or don’t ask for immigration status when determining eligibility.

Category: COVID-19 Pandemic Discrimination Money Management on Jul 09, 2020

Library: Chinese | Resources for consumers impacted by the COVID-19 outbreak (Chinese) .

為了應對新冠病毒疫情，消費者行動編輯了這份指南，提供各類公私援助信息，以協助人們更好的應對疫情所帶來的經濟損失。

In response to the coronavirus outbreak, Consumer Action created this guide to inform consumers about public and private resources as they became available to help deal with the economic fallout of the pandemic. Category: Banking COVID-19 Pandemic Fraud/Scams Insurance Medical/Healthcare Mortgages Student Loans Taxes Telecom Tenant Rights on Jun 11, 2020