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MoneyWi$e Publications

Consumer Action creates award-winning free multilingual educational guides on a wide range of personal finance topics and other subjects of interest to consumers. Many publications are available in Chinese, Korean, Spanish and Vietnamese, as well as English. Each year, we distribute more than two million of our publications through a national network of 8,000 community organizations. Nonprofit and community-based agencies may order the MoneyWi$e publications in bulk by clicking here to download a MoneyWi$e order form. Individual publications may also be ordered online, follow the instructions under "order publication" when you browse the publications.

2017

September

17
Micro business: Preparing for success Cover

Micro business: Preparing for success. 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.

August

29
Personal bankruptcy: Your financial fresh start Cover

Personal bankruptcy: Your financial fresh start. 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.

25
Insuring yourself in the ‘sharing economy’ (Vietnamese) Cover

Insuring yourself in the ‘sharing economy’ (Vietnamese). Nền “kinh tế trao đổi” có thể giúp cho quý vị có nhiều cách kiếm tiền mới, nhưng cũng giống như bất kỳ các nghề buôn bán hay nghề tự do nào khác, nó có các vấn đề về bảo hiểm quý vị nên để ý tới. Ấn bản này giải thích các rủi ro tiềm ẩn liên hệ đến từng loại “trao đổi,” các bảo hiểm nào thường được cung cấp bởi “mặt bằng” liên đới tới người tiêu dùng, bảo hiểm cá nhân của quý vị có thể không đủ bảo vệ ra sao, các lựa chọn nào khác để bảo vệ quý vị hoàn toàn, và tìm thêm nguồn hướng dẫn và trợ giúp ở đâu. 
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.

22
Insuring yourself in the ‘sharing economy’ (Korean) Cover

Insuring yourself in the ‘sharing economy’ (Korean). "공유 경제"는 수입을 벌어들이는 새로운 방법을 제공하지만 모든 사업 또는 자영업과 같이 고려해야할 보험 문제가 있습니다. 이 안내서는 각각의 "공유 경제" 유형과 관련된 잠재적인 위험들, 사용자들을 연결시켜 주는 "플랫폼들"이 일반적으로 제공하는 보험들, 개인 보험이 충분하지 않을 수 있는 이유 그리고 추가 정보를 얻을 수 있는 곳 등에 대해 설명하고 았습니다.
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.

June

09
California’s Lemon Law (Chinese) Cover

California’s Lemon Law (Chinese) Protection for new and used car buyers. 這本有關新車和二手車買主的加州保護法手冊將詳述州立檸檬法如何運作,涵蓋哪些車輛,以及大多數汽車經銷商採用的仲裁方案,以及加州的消費者應如何索償。
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.

May

23
Get a car loan (Chinese) Cover

Get a car loan (Chinese) That’s in your best interest. 如果你正在尋求貸款購買新車或二手車,即使你的信用記錄很差,你還是可以有很多選擇。然而,逾期付款和其它信用問題則會令貸款公司把你列為高風險客戶,並因此提高你的貸款利率。每家貸款公司的利率都有所不同,因此要貨比三家才能找到最划算的貸款。 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.

Get a car loan (Korean) Cover

Get a car loan (Korean) That's in your best interest. 새차 혹은 중고차 구매를 위한 융자가 필요하신 경우 여러분에게 부정적인 금융 거래 기록이 있다 할지라도 여러종류의 선택사항이 있을 수 있습니다. 하지만 상환 지연이나 그 외의 다른 신용 문제들은 융자업체들에게 여러분이 받을 융자의 이자율을 높여야 하는 위험한 고객이라는 신호가 될것입니다. 융자업체들 중에서도 차이가 있으므로 가장 좋은 거래를 찾을 수 있도록 여러 곳에 문의해 보십시오. 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.

19
Tax basics for earners in the ‘sharing economy’ Cover

Tax basics for earners in the ‘sharing economy’. 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.

Insuring yourself in the ‘sharing economy’ Cover

Insuring yourself in the ‘sharing economy’. 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.

04
Get a Car Loan (Vietnamese) Cover

Get a Car Loan (Vietnamese) That’s in your best interest. Nếu quý vị đang tính mượn tiền mua một chiếc xe hơi cũ hay mới, có nhiều cách để mượn tiền cho dù tình trạng tài chánh trong quá khứ của quý vị xấu. Tuy nhiên, trễ nãi trả nợ hàng tháng và có vấn đề khác về tín dụng là dấu hiệu để công ty cho vay nghĩ quý vị là một khách hàng thiếu uy tín, khiến lãi xuất mượn tiền của quý vị có thể tăng. Có nhiều công ty cho vay, vì thế, trước khi mượn tiền, quý vị nên đọ giá.
If you are seeking financing for a new or used car, you have many options for financing 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 rates on loans available to you.

 

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