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Consumer Action's MoneyWi$e educational materials have moved to our Managing Money Project website. Here you may view, download and order bulk copies of the MoneyWi$e materials. Please make a note of the Managing Money Project address— www.managing-money.org —and add it to your address book.

Consumer Action 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 a million of our publications through a national network of 7,500 community organizations. Nonprofit and community-based agencies may order these free publications in bulk by clicking here for downloadable order forms or online ordering instructions.

2017

November

29
Personal bankruptcy: Your financial fresh start (Spanish) Cover

Personal bankruptcy: Your financial fresh start (Spanish). La quiebra puede ofrecerle un nuevo comienzo financiero a consumidores abrumados por la deuda. Pero antes de decidir declararse en quiebra, hay mucho que saber sobre el proceso y sobre las posibles consequencias. Esta guía explica las diferencias entre los dos tipos de quiebra personal, lo que se requiere para declararse en quiebra, lo que ocurre con las deudas y activos, las alernativas que debe considerar, el proceso legal en general, y dónde encontrar ayuda y más información.

October

30
Personal bankruptcy: Your financial fresh start (Korean) Cover

Personal bankruptcy: Your financial fresh start (Korean). Bankruptcy laws were passed in order to give people a fresh start. This guide explains the difference between Chapter 7 and Chapter 13, the two types of personal bankruptcy, and answers questions about filing requirements, what bankruptcy can and can't do for you, what your other options for dealing with debt might be, and where to get more information and personal assistance.

20
Tax basics for earners in the ‘sharing economy’ (Chinese) Cover

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.

13
Tax basics for earners in the ‘sharing economy’ (Korean) Cover

Tax basics for earners in the ‘sharing economy’ (Korean). 공유 경제는 여가 시간을 이용해 부수입을 올리는 것을 가능하게 할 수도 있고 주 수입원이 될 수도 있습니다. 어떤 쪽이든 돈을 버는 것은 세무 상황에 영향을 줄 것입니다. 이 안내서는 세무 조언을 위한 것은 아니지만 수입과 비용을 정확하게 보고하는 방법, 자격이 있는 모든 공제를 활용하는 것이 좋은 이유, 예상치 못한 문제를 피하는 방법, 그리고 추가 정보와 도움을 얻을 수 있는 곳 등에 대해 설명하고 있습니다.
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.

11
Freeze Your Credit File (Korean) Cover

Freeze Your Credit File (Korean) Leave ID Thieves Out in the Cold. 신용 문서 "보안 동결"은 여러분이 신분도용의 피해를 당하지 않도록 하고 사기꾼들이 여러분의 개인 정보를 이용해 신용을 설정하는 것을 방지하는 데 도움을 주는 예방 도구입니다. 보안 동결은 여러분이 일시적 혹은 영구적으로 동결을 해제시키지 않는 한 여러분의 이름으로 새로운 크레딧이 설정되는 것을 방지합니다. 이 소책자는 여러분의 신용 문서를 "동결"시키는 방법을 설명하고 있습니다.
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.

10
Freeze Your Credit File (Chinese) Cover

Freeze Your Credit File (Chinese) Leave ID Thieves Out in the Cold. “安全凍結”信用檔案是一種預防及避免身份被盜用的工具﹐它可以阻止詐騙者利用你的個人資料來建立信貸記錄。這本手冊內容詳述如何“凍結”個人信用檔案,而且除非你暫時或永久取消凍結﹐它就可以防止別人以你的名義申請信貸。
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.

06
Freeze Your Credit File (Spanish) Cover

Freeze Your Credit File (Spanish) Leave ID Thieves Out in the Cold. El “congelamiento de seguridad” es una herramienta para ayudarle a prevenir el robo de identidad y evitar que impostores utilicen su información personal para establecer crédito. Esta publicación explica cómo “congelar” su crédito, lo cual previene que se establezca crédito nuevo a nombre suyo hasta que usted suspenda provisionalmente el congelamiento o le retire de forma permanente.

01
Freeze Your Credit File Cover

Freeze Your Credit File 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.

September

27
Insuring yourself in the ‘sharing economy’ (Spanish) Cover

Insuring yourself in the ‘sharing economy’ (Spanish). La "economía colaborativa" puede ofrecer nuevas formas de ganar dinero, pero, como con cualquier negocio o trabajo por cuenta propia, se deben tomar en cuenta algunas cuestiones relacionadas con el seguro. Esta publicación explica los riesgos potenciales asociados con cada tipo de actividad "colaborativa", el tipo de protección que ofrecen las "plataformas" que conectan a los usuarios, cómo el seguro personal puede resultar insuficiente, cuáles son las opciones para obtener protección completa y dónde conseguir más información.

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.

 

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