Library: Korean | Homeowners and renters insurance (Korean) 자연 재해 전후에 알아야 할 사항들.

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: Korean | Micro business: Preparing for success (Korean) .

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: Korean | Personal bankruptcy: Your financial fresh start (Korean) .

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: Korean | Freeze Your Credit File (Korean) Leave ID thieves out in the cold.

A credit file “security freeze” is a preventive tool to help you avoid identity theft and to block impostors from using your personal information to establish credit. This publication explains how to “freeze” your credit file, which prevents new credit from being established in your name until you temporarily or permanently lift the freeze.

Library: Korean | Insuring yourself in the ‘sharing economy’ (Korean) .

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.

Library: Korean | Get a car loan (Korean) That's in your best interest.

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.

Library: Korean | California’s Low Cost Automobile Insurance Program (Korean) .

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.

Library: Korean | A guide to finding the right job training school (Korean) .

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.

Library: Korean | California’s Lemon Law (Korean) .

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.

Library: Korean | Debtors’ Rights (Korean) .

This guide helps consumers understand how to communicate with a debt collector, what their rights and options are when faced with a debt collection lawsuit, steps to take to try to avoid legal action, where to find legal information and advice, the general process of responding to a lawsuit, their rights if they lose the case and how to file a complaint against a collector.