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Electronic Publications
These electronic publications provide access to a wide variety of consumer related information. They can be read, but are not available for ordering from FCIC.

Cars - Computers - Education - Employment - Español - Family - Federal Programs
Food - Health - Housing - Money - Small Business - Travel - And more...
Cars
(These booklets are available to view, print or download only. Printed copies are not available. Some of the links will take you to sites not maintained by FCIC.)

2009 Fuel Economy and Guide - This guide helps car buyers choose the most fuel-efficient vehicle that meets their needs.

Air Bags & On- Off Switches - Discusses when using air bags is unsafe and specific steps to take to reduce the risk. Describes on-off switches and who should consider installing them. Includes the required form to request an on-off switch.

Child Transportation Safety Tips - This illustrated guide provides nine tips on how to protect your baby, what type of safety seat to use, how to secure a safety seat, and air bag safety. (PDF file)

Consumer Tire Guide - Learn how to check for proper air pressure and signs of uneven wear; how and why to rotate your tires; special care in cold weather, and more.

Gas-Saving Products: Fact or Fuelishness? - Avoid fraudulent "gas-saving" advertising claims and get better gas mileage. (PDF file)

How to Find Your Way Under the Hood & Around the Car - Instructions for 14 preventive maintenance services you can perform on your car.

Keys to Vehicle Leasing - Learn the difference between leasing and buying a car. Explains required information on a lease agreement, as well as your rights and responsibilities.

U.S. Government Auto Auctions - Learn about the General Services Administration (GSA) Auto Auctions program and use the handy checklist to buy a quality car at a great price. (PDF file)

Understanding Vehicle Financing - Get the facts on dealership financing—what it is, how you apply, special financing offers, cash back and rebate eligibility. (PDF file)

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Computers
(These booklets are available to view, print or download only. Printed copies are not available. Some of the links will take you to sites not maintained by FCIC.)

Get Net Safe - Offers some easy ways to help keep you, your computer, and your family safer when you go online. (PDF file)

Making the Connection: How to Go Online - Explains how to get online and choose the best Internet service provider.

Online Security & Safety Tips - Outlines three important steps you can take to protect your computer and your personal information, with additional tips and resources to consult for more information.

Shop Safely Online - Is it really safe? Here are the facts about buying over the Internet and how to protect yourself.

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Education
(These booklets are available to view, print or download only. Printed copies are not available. Some of the links will take you to sites not maintained by FCIC.)

All About Direct Loans - Discusses four types of direct student education loans, how much you can borrow, how to apply, how you'll be paid, repayment, and more.

Educational Poster on Water Pollution - This 17" x 11" poster explains where our drinking water comes from, potential threats to the safety of our water, and what is being done to protect it. (PDF file)

Financial Planning for College - Strategies to help you plan for tuition and fees, along with helpful charts for estimating future costs.

GED Information Bulletin - Explains the content of the GED tests, how to prepare for them, and how to get more information. (PDF file)

Preparing Your Child for College: Resource Book for Parents - work sheets and checklists to help plan for college academically and financially.

Walk on the Wild Side: Explore Your Public Lands Activity Book - Go wild with fun activities designed to help children in grades 3-5 learn more about the fish, wildlife, and plants that inhabit America’s public lands.

We the People "Created Equal" Poster - Poster describes how 17 classic books are related to the theme of “all men are created equal.” Books are divided into groups for grades K-3, 4-6, 7-8, and 9- 12.

We the People "Picturing America" Poster - Poster lists classic books for readers from K - 12, all related to the "Picturing America" theme. The books help young readers experience some of the best-loved stories in American history and culture.

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Employment
(These booklets are available to view, print or download only. Printed copies are not available. Some of the links will take you to sites not maintained by FCIC.)

Employment Interviewing - Gives useful advice on what to do before, during, and after a job interview. Includes tips about job fairs. (PDF file)

Getting Back to Work - Provides useful information on how to successfully re-enter the workforce. (PDF file)

High Earning Workers Who Don't Have a Bachelor's Degree - Identifies 50 occupations requiring less than a bachelor's degree. (PDF file)

OSHA: Employee Workplace Rights - What to do if you question the safety of, or hazards in your workplace. Lists addresses and phone numbers for more information. (PDF file)

Tomorrow's Jobs - Discusses changes and trends in the economy, labor force, occupational growth, education and training requirements, and more.

Top 10 Ways to Make Your Health Benefits Work for You - Easy-to-follow tips to help you understand and choose your health benefits.

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Español
(These booklets are available to view, print or download only. Printed copies are not available. Some of the links will take you to sites not maintained by FCIC.)

Ayudel al Tratamiento Efectivo de Su Artritis (Help Your Arthritis Treatment Work) - Obtén conocimientos básicos para el manejo del dolor y detener daños futuros. Ofrece preguntas para consultar con su médico sobre los nuevos medicamentos y las precauciones con las drogas sin receta médica. (PDF file)

Dieta Para un Corazón Saludable (Eating for a Healthy Heart) - Aprenda a escoger alimentos que reducirán sus posibilidades de adquirir enfermedades del corazón, la causa número uno de muerte en los Estados Unidos. Obtén sugerencias de como consumir menos grasa, menos sodio, menos calorías y más fibra, las cuatro claves de una dieta saludable. (PDF file)

El futuro en tus manos (CD) (Hands-on Banking) - Todas las personas - niños, adolescentes y adultos - estan interesados en el dinero y en cómo administrarlo mejor. Nunca es demasiado temprano, ni demasiado tarde, para obtener nuevos conocimientos y habilidades con el fin de crear un futuro financiero mejor.

La Diabetes (Diabetes - Fact Sheet) - Muchas personas que tienen diabetes ni siquiera lo saben. Conozca las señales de alerta, los riesgos y la importancia de la detección temprana y el tratamiento. (PDF file)

Protejase de los cargos por cheques rebotados y sobregiros (Protecting Yourself from Overdraft and Bounced Check Fees) - Descubra cuánto saldo descubierto y honorarios despedidos del cheque pueden costarle y aprender cómo evitar estos honorarios.

Pruebas de Papanicolaou (Pap Tests) - Protéjase del cáncer del cuello del útero haciéndose una prueba de Papanicolaou. Aprenda cuándo debe hacérsela, cómo debe prepararse y más. (PDF file)

Seguridad se los Alimentos Para Personas de edad Avanzada (Food Safety for Seniors) - (PDF file)

Using the Dietary Guidelines Spanish -

Virus del papiloma humano (VPH) (HPV - Fact Sheet) - (PDF file)

When is a Check not a Check? - Los comerciantes pueden ahora utilizar la información de sus cheques para retirar el dinero directamente de su cuenta bancaria. Aprenda sobre las sus derechas cuando viene a la conversión electrónica del cheque y qué a hacer si usted tiene un problema.

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Family
(These booklets are available to view, print or download only. Printed copies are not available. Some of the links will take you to sites not maintained by FCIC.)

Accidents with Poison and Children - Accidents can happen even if you are careful to keep poisons away from children. Here are some tips to help you prevent poisoning accidents and spot the signs of poisoning. (PDF file)

Black Family Research: Records of Post-Civil War Federal Agencies at the National Archives - Fill in the gaps in your family’s history--learn how to access information on marriages, births, deaths, occupations, places of residence, and other family-related matters in the post-Civil War era.

Caring for an Aging Loved One - How to determine the best care for an older family member. Helpful advice on living arrangements, care options, legal aspects, adjustment strategies, additional resources, and more. (PDF file)

Childproofing Your Home - Use this guide to learn about 12 safety devices for your home and how they can protect your child.

Citizens' Preparedness Guide - This helpful guide explains simple, but vital, steps you can take to prepare and protect yourself and your family in many different situations. (PDF file)

Danger in the Home - Use this handy checklist to detect potential hazards to children and how to make your home a safer place.

Ear Infections and Language Development - Learn about symptoms and treatments, as well as signs of possible hearing damage. Track your child’s progress with the language development worksheet. (PDF file)

Grandparents' Guide to Family Nurturing and Safety - Practical grandparenting tips from Dr. T. Berry Brazelton. Includes a pullout safety checklist for infants, toddlers, and preschoolers.

Growing Up Drug Free - Outlines what parents should know and can do to prevent or stop drug abuse, including alcohol and tobacco, at each age level. (PDF file)

Help Your Child Improve in Test-Taking - Simple techniques to help children at all grade levels avoid "test anxiety" and prepare for various types of tests.

Help Yourself to a Healthy Home: Protect Your Children's Health - Find out about potentially harmful products and how to make your home a healthier place. (PDF file)

Helping Children Cope With Disaster - Environmental disasters can be overwhelming for children. Includes common reactions by age group, useful tips on what to expect, and how to help your child adjust.

Helping Your Child Become a Reader - Help children gain the skills they need to become good readers. Here are ways to turn everyday activities into learning experiences for infants to 6-year old children. (PDF file)

Helping Your Child Learn Math - The tips provided in this book will help you explore math concepts with your children and make it a fun experience. All the activities use easy-to-find material, relate math to everyday life, and can be done in the home, at the store, while traveling or just for the fun of it.

Helping Your Child Succeed in School - 15 fun activities to do with your children (ages 5-11) to help expand their imagination, obey, organize, help others, and much more. (PDF file)

Helping Your Child Understand Money - Tips on teaching your child how to save money, set goals, and learn about earning money. (PDF file)

Helping Your Overweight Child - If you are the parent of an overweight child, or are concerned about your child's eating habits, this guide can help put your family on the path to good nutrition and health. (PDF file)

Home Playground Safety Checklist - Use this handy checklist to make sure your home playground is safe for your kids.

How to Make Adoption an Affordable Option - Explains the adoption process, myths, state laws, terminology, time frames, expenses, and more. Includes a resource guide and checklist.

Planning for Your Child or Other Dependent with Special Needs - Learn about setting up a legal guardian and planning for your child’s financial, medical, and educational needs.

Protecting Your Child - It’s a parent’s worst nightmare--a child lost or missing. Use this guide to teach your children about avoiding potential harm in person and in cyberspace.

Social Security Numbers for Children - When you have a baby, one of the things that should be on your to do list is getting a Social Security number for your baby.

Use Your Head...Always Wear a Bike Helmet - Did you know that helmets can reduce the risk of head injury by 85%? This booklet includes guidelines on proper use, fit, and developing the "helmet habit."

Your Child's First Day At School - Tips on how to prepare your child for preschool or kindergarten, with a checklist to help determine if your child is ready to start.

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Federal Programs
(These booklets are available to view, print or download only. Printed copies are not available. Some of the links will take you to sites not maintained by FCIC.)

About...Social Security - Explains the facts about social security benefits.

Apply Online for Social Security Benefits - Learn how to fill out an online application, how your personal information is protected, who can apply online, and more. (PDF file)

Future of Social Security - Find out more about today’s Social Security system so you can help shape the system of tomorrow.

Guide to Health Insurance for People With Medicare - Fill in gaps in Medicare coverage and avoid paying for duplicate benefits. (PDF file)

It's Your Drinking Water: Get to Know it and Protect it! - You have a right to know what's in your drinking water and a role to play in your water's protection. Learn how you can become informed and involved.

Medicare & You - Here are detailed facts about your Medicare benefits and the health plan options available to you. Includes a telephone directory of contacts and a worksheet for comparing Medicare health plans. (PDF file)

Medicare Basics: A Guide for Caregivers - If you are assisting a parent, grandparent or other relative or friend with health care decisions, get this comprehensive Medicare guide. It covers everything from hospital and physician services to preventive care, prescription drugs, housing options and more. (PDF file)

Medicare Questions and Answers - Need to learn more about your Medicare benefits? This guide provides information in an easy-to- understand question and answer format, including definitions of important terms. (PDF file)

Medicare: Protecting Your Personal Information and Yourself from Identity Theft and Fraud - Describes the "Medicare-Approved" seal, and covers what information you should share and under what circumstances. (PDF file)

Request for Social Security Statement - Complete this form and return it to Social Security to get your earnings history and an estimate of future benefits. (PDF file)

Selective Service System: Information for Registrants - Explains responsibilities, rights and obligations, induction, claims, and the appeals process.

Show Someone You Love How Much You Care - Provides information on extra help with Medicare prescription drug costs available to some people with limited income and resources. Provides a worksheet to help complete an application for this benefit. (PDF file)

Social Security: Understanding the Benefits - Provides details on retirement, disability, survivor's benefits, Medicare coverage, Supplemental Security Income, and more. (PDF file)

Social Security: What Every Woman Should Know - Discusses how a woman's Social Security benefits may be affected by disability, divorce, widowhood, retirement and other special circumstances. Also covers benefits for your family, what to do if you change your name, and Social Security numbers for children. (PDF file)

Social Security: When To Start Receiving Retirement Benefits - Important considerations for deciding when to start receiving Social Security benefits, including how your decision may affect your surviving spouse, and how your benefits are affected if you continue working. (PDF file)

Time to Register: Selective Service & You - Covers who must register, when, where, and how. (PDF file)

U.S. Real Property Sales List - Lists government real estate properties that are sold by auction or sealed bid and explains how to get more information.

Your Right to Federal Records - Use the Freedom of Information Act (FOIA) and the Privacy Act to obtain records from the federal government. (PDF file)

Your Social Security Number and Card - Explains why we have Social Security numbers, when and how to get one, and more. (PDF file)

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Food
(These booklets are available to view, print or download only. Printed copies are not available. Some of the links will take you to sites not maintained by FCIC.)

Be Food Safe: Four Easy Lessons in Safe Food Handling - Food handling safety risks at home are more common than most people think. Read about the four easy lessons of clean, separate, cook, and chill to help prevent harmful bacteria from making your family sick. (PDF file)

Can Your Kitchen Pass the Food Safety Test? - Take the 10-point quiz on food storage, handling, and cooking to protect your family from food-borne illnesses.

Fabulous Fruits...Versatile Vegetables - You need 5 to 9 daily servings of fruits and vegetables. Get tips on new ways to serve them, the importance of variety, and how to make eating fruits and vegetables fun and convenient. (PDF file)

Growing Older, Eating Better - Discusses the causes of poor nutrition and how it can be improved.

Pesticides and Food: What You and Your Family Need to Know - Certain levels of exposure to pesticides can cause health problems, especially in infants and children. Here is the information you need to keep you and your family safe.

Recipes and Tips for Healthy, Thrifty Meals - How to create healthy and budget-friendly meals—with tips on planning meals, a sample 2-week menu, and 40 great recipes. (PDF file)

Revealing Trans Fats - Trans fat is used to increase food shelf life and stabilize its flavor. Get tips on reducing your trans fat intake and use a chart that lists the fat content of some common foods to lower your risk of heart disease.

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Health
(These booklets are available to view, print or download only. Printed copies are not available. Some of the links will take you to sites not maintained by FCIC.)

Alzheimer's: Searching for a Cure - Learn how Alzheimer's is diagnosed, its symptoms, current drug treatments, and lifestyle advice to help prolong mental health.

Anxiety Disorders - Lists treatments available and resources to contact for more information on panic phobias, stress, obsessive-compulsive, and other disorders. (PDF file)

Attention Deficit Hyperactivity Disorder - Discusses symptoms, causes, diagnosis, and treatments of this disorder which affects many children and young people. (PDF file)

Basik Lasik - Find out about Lasik eye surgery, who is a good candidate, possible risks and complications, and more. (PDF file)

Being Healthy - Examples and tips on getting exercise, following the dietary guidelines for good nutrition, and choosing and working with physicians to keep yourself healthy and fit. (PDF file)

Better Health and You - A balanced eating plan and regular physical activity are the building blocks of good health. By eating right and being active, you may reach or maintain a healthy weight. You may also improve your physical health, mental well-being, and set an example for others.

Bipolar Disorder (Manic- Depressive Illness) - Learn signs and symptoms, available treatments, and how to get help.

Boning Up on Osteoporosis - You can lose bone mass without warning. Learn the risk factors, diagnosis, and treatment options for preventing, minimizing, and even building back bone mass.

Bottled Water Basics - Not all bottled water is the same. Get tips on how to choose it based on the type of water and the source, taste considerations, and more.

Brain Attack: A Look at Stroke Prevention and Treatment - Discusses risk factors for stroke, how to identify symptoms, treatments available for different types of stroke, and how to prevent a recurrence.

Breathing Better - Control your asthma with an action plan to recognize your triggers, track your symptoms, monitor your breathing and know when to take medication.

Buying Prescription Medicines Online: A Consumer Safety Guide - Here's a helpful list of do's and don’ts when shopping for medications over the Internet. (PDF file)

Cholesterol - Medicines to Help You - Lists the brand and generic names of drugs that control cholesterol. Learn their side effects, who should not take them, and warning signs to notice. (PDF file)

Do I Have Lupus? - Lupus is a disease in which the immune system attacks the body's healthy cells and tissues. Learn about the three main types, their symptoms, who is affected and how lupus is diagnosed and treated. (PDF file)

Do You Know the Health Risks of Being Overweight? - Being overweight increases your chances of developing serious health problems, like heart disease, diabetes, or cancer. This guide can help you lose weight safely and develop a healthier lifestyle. (PDF file)

Facts About Post-Traumatic Stress Disorder -

Filtration Facts - Learn about the different types of home water filters available, including pitchers, faucet filters, and freestanding units. Provides general information on cost, maintenance, and performance. (PDF file)

Greater Access to Generic Drugs - What the FDA is doing to make generic drugs more available, and why that's good news for consumers.

Healthy Heart Handbook for Women - Information on the seven major risk factors for heart disease and six self-help strategies to beat it. Includes a food guide, recipes, and a resouce list. (PDF file)

HIV and AIDS - Medicines to Help You - Learn about the different medicines available to treat HIV. Includes questions to ask about setting up a drug regimen and a sample schedule to follow. (PDF file)

How to Hold Your Own Against Colds and Flu - Get the facts on lowering your chance of infection, treating cold and flu aches and pains, and when to see a doctor.

Juvenile Rheumatoid Arthritis - This disease affects children 16 years old and younger. Find out about the causes, symptoms, tests, and various treatments.

Keep Active - How older people can use exercise and sports to help lower the risk of common diseases, relieve arthritis pain, and recover faster from illness. Includes an activity log to track progress and lists tips to prevent injury.

Medicine and Pregnancy - You still can use many medicines when you are pregnant or nursing. Use this guide and talk to your doctor, nurse, or pharmacist about keeping yourself well and your baby safe. (PDF file)

New Over-the-Counter Medicine Label…Take a Look! - OTC labels were redesigned to make them easier to compare and understand. Here's a sample of the new label and the standard information you'll find on it.

Personal Emergency Response Systems - Explains how different systems summon help. Includes a helpful checklist and must-ask questions. (PDF file)

Questions & Answers About Acne - Explains how acne develops, what treatments will and won’t work, and how to care for your skin.

Questions & Answers About Arthritis Pain - Discusses conventional and alternative options for short-term relief and long-term pain management. (PDF file)

Questions & Answers About Bursitis and Tendinitis - If you’ve ever suffered from tennis elbow or painful inflammation around other joints, you’ll find this booklet useful. It explains the causes of bursitis and tendinitis, how the conditions are diagnosed and treated, and what you can do to prevent a recurrence. (PDF file)

Questions & Answers About Gout - Here are the details on this painful type of arthritis, including symptoms, treatments, and more. (PDF file)

Questions & Answers About Sjögren's Syndrome - This autoimmune disease primarily targets moisture-producing glands and causes dryness in the mouth and eyes. Learn more about its symptoms, causes, and treatments. (PDF file)

Questions to Ask Your Doctor Before You Have Surgery - Use this booklet to become a better informed and prepared patient. (PDF file)

Sound Advice About Age-Related Hearing Loss - Learn about causes and symptoms, treatments, types of hearing devices, and how to reduce the severity of hearing loss.

Sun, UV, and You - Explains what the UV (ultraviolet radiation) index is and how you can use it to avoid skin cancer, premature aging of the skin, and more. (PDF file)

The New OTC Medicine Label - All over-the-counter medicines now carry usage and warning labels. Learn what's important--for your health's sake.

Weight Loss for Life - This guide will help you learn how to lose weight safely and stay healthy. (PDF file)

What You Need to Know About Skin Cancer - The most common cancer in the US is among the most curable – if caught in time. Learn what to watch for and how to do skin self-exams. (PDF file)

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Housing
(These booklets are available to view, print or download only. Printed copies are not available. Some of the links will take you to sites not maintained by FCIC.)

100 Questions and Answers About Buying a New Home - This great guide focuses on finances--from how much home you can afford, to various mortgage loan programs, insurance, taxes, and more.

Achieving the Dream of Homeownership Early in Life - Learn the various benefits of owning a home and how to prepare yourself financially for this major investment. (PDF file)

Automatic and Programmable Thermostats - How to choose which of the five basic types is best for your home and will help you save the most money and energy.

Borrower's Guide to Home Loans - Here's how to find the best loan when shopping for home equity loans and reverse mortgages.

Buying Your Home: Settlement Costs and Information - Describes the home buying, financing, and settlement (closing) process. Also gives tips on shopping for a loan.

Drinking Water From Household Wells - Families with their own wells are responsible for maintaining them and making sure that the water is safe to drink. Here are the facts on sources of pollution and how to keep your water safe. (PDF file)

Electrical Safety Precautions During Disasters - Follow these safety tips when dealing with electricity during and after storms and other disasters to prevent death, injuries, and property damage. (PDF file)

Energy Efficient Mortgage Home Owner Guide - If you're buying, refinancing, or remodeling, save money with a mortgage that covers energy-saving repairs.

Fixing Up Your Home and How to Finance It - Information about hiring a contractor, doing the work yourself, and the HUD Title 1 home improvement loan program.

For Your Protection Get a Home Inspection - Understand the difference between a home inspection and an appraisal, the benefits of and protection provided by a home inspection, and how to find a qualified home inspector. (PDF file)

Great American Home Safety Check - Gives important tips to help stop slips/falls, poisoning, and fire/burns--the leading causes of home safety issues in the U.S. (PDF file)

Guide to Avoiding Foreclosure - Whether you're in foreclosure now or worried about it in the future, here is some information that can help.

Guide to Single- Family Home Mortgage Insurance - Explains FHA mortgage insurance programs, including types available, how to qualify, how to apply, restrictions, and more. (PDF file)

Home Equity Conversion Mortgage at a Glance - This type of mortgage, also called a federally insured reverse mortgage, allows people 62 and over to borrow against the equity in their homes without having to repay the loan as long as they are living in the home. Get the details on eligibility, fees, loan distribution and repayment, and more. (PDF file)

Homeowner's Glossary of Building Terms - Taking on a home improvement project can open a whole new world of terms you may not know. Here's a quick reference to help you keep up with the language of the trade.

Improving the Efficiency of Your Duct System - Fix potential problems that can affect your family's health and comfort and cost you money.

Indoor Air Hazards Every Homeowner Should Know About - Get rid of molds, carbon monoxide, radon, asbestos, lead, tobacco smoke, and other pollutants. (PDF file)

Indoor Electrical Safety Check - Quick and easy tips to make your home safe from electrical hazards. (PDF file)

Keeping Your Home Safe - Use the crime-stoppers' checklist and other practical tips to protect your home from fire and theft.

Making Your Home Safe from Fire and Carbon Monoxide - Prevent fires, protect yourself with smoke detectors and fire extinguishers, keep carbon monoxide out of your home, and develop an emergency home escape plan for your family.

Managing the Japanese Beetle: A Homeowner's Handbook - Discusses how to detect and control Japanese beetles, and choose plants that resist Japanese beetle feeding. (PDF file)

Outdoor Electrical Safety Check - Detailed guide to preventing outdoor electrical hazards that can cause fires and dangerous shocks. (PDF file)

Protect Your Family From Lead In Your Home - Exposure to lead is dangerous, especially to young children. Learn how to check your home for signs of lead. (PDF file)

Saving With Energy Star - How to choose products with the Energy Star label to help save energy, help the environment, and reduce the costs of utility bills.

Should You Have Your Air Ducts in Your Home Cleaned? - Tips on deciding if your ducts need cleaning, choosing a cleaning service, evaluating health claims, and keeping ducts clean.

Surges Happen! How to Protect the Appliances in Your Home - Find out what power surges are, what appliances need protection, and what devices work best. (PDF file)

The New Climate for Mortgage Borrowers - A timely primer on how to choose the best mortgage during this period of declining home values and stricter credit standards. Explains what caused this situation, and what potential and current homeowners, particularly those facing foreclosure, can do to improve their credit scores, obtain a good loan and hold onto their homes. (PDF file)

Turning "Fixer- Uppers" into Dream Homes - Learn how you can get a long-term mortgage that includes the costs of reconstructing, modernizing, or eliminating health and safety hazards in your home. Find out what properties are eligible, what improvements are covered, and how to apply. (PDF file)

Weather Patterns Are Changing, and So Are Your Chances of Being Flooded - In recent years, 2 out of every 3 U.S. natural disasters were flood related. Learn how to obtain the flood insurance you should have.

Weathering the High Cost of Heating Your Home - Evaluate your heating system's energy efficiency, buy energy-efficient appliances, and get the best prices on heating oil. (PDF file)

Your Home - Advice on how to buy, sell, rent, or improve a home, with additional tips on moving, seasonal interior and exterior maintenance, repairs, and safety. (PDF file)

Your Move Packet - Three helpful booklets to help you choose a reputable mover, select the right level of liability insurance to protect your possessions, and deal with any problems on an interstate move. Includes a "before you move" checklist.

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Money
(These booklets are available to view, print or download only. Printed copies are not available. Some of the links will take you to sites not maintained by FCIC.)

Bankruptcy Basics - There are 5 basic types of bankruptcy cases used to obtain relief from debt. Learn the differences in debts discharged, assets kept, forms needed, where to file, and more. (PDF file)

Before Disaster Strikes - Suggests ways to be financially prepared to deal with a natural disaster. Information on buying insurance, preparing a household inventory, filling an evacuation box, and more.

Buying Time: The Facts About Pre-Paid Phone Cards - How to buy long distance telephone services in advance. (PDF file)

Certificates of Deposit: Tips for Investors - Learn how CDs work, how to purchase them, and questions to ask before buying.

Cold Calling - How can you stop sellers from calling, what are the signs of a scam or fraud, and who can you contact for help?

Credit and Divorce - Compares the benefits and disadvantages of individual, joint and "user" accounts. Steps to take if you divorce or separate. (PDF file)

Credit Matters - How to qualify for credit, keep a good credit history, protect your credit once you have it, and more. (PDF file)

Doing Your Taxes - Explains what tax forms to use, how to fill them out, where to send your return, and how to get free help. Lists the most common errors to watch for.

Electronic Banking - Learn more about electronic transactions, such as debit cards and online account access, including how transactions are processed, their timing, security, and legal protections. (PDF file)

Enjoying Retirement - What you need to plan for and know about retirement, such as exercise, recreation, diet, finances, and more.

Federal Credit Unions - How they work, what services are offered, and how to become a member. (PDF file)

Filing a Claim For Your Retirement Benefits - What you need to know about your summary plan description, filing a benefit claim, waiting periods, appealing a denied claim, and more.

Finding a Lost Pension - Here’s how to find out if you have an unclaimed pension, where to search, documents you’ll need, and what to do when you find your pension fund. (PDF file)

Fiscal Fitness: Choosing a Credit Counselor - Credit counselors offer a variety of services that can help you put your financial life back in order. Use this guide to choose the credit counselor that is right for you. (PDF file)

Fraud Fighting 101: Smart Tips for Older Investors - Even if you have never been subjected to an investment fraudster's sales pitch, you probably know someone who has. Following the legendary Willie Sutton principle, fraudsters tend to go "where the money is" -- and that means targeting older Americans who are nearing or already in retirement. Fraudsters also have in their sites the millions of Baby Boomers who have been accumulating sizeable retirement nest eggs through company 401(k)s and personal accounts

Hands on Banking (CD) - Interactive CD-ROM helps you build the money skills you need for life. Four separate programs from 4th grade through adult, in English and Spanish, cover budgeting, saving, investing, buying a home, and more.

How We All Benefit from Insurance (CD) - An interactive CD-ROM that teaches the basics of home, life, car and casualty insurance through entertaining activities, quizzes and games.

I Bonds Investor's Guide - Follow this easy-to-read Q&A format to find out if I Bonds are a good way for you to save and invest money.

ID Theft: What It's All About - Thieves can steal your personal information and use it to commit fraud for long periods without your knowledge. Here’s how to protect yourself, and what to do if you are a victim. (PDF file)

Identity Crisis...What to Do If Your Identity is Stolen - It sounds like something out of a spy movie--but it can happen. Thieves can get your bank, credit, debit, charge, and Social Security card numbers. Find out how to protect yourself. (PDF file)

Identity Theft and Your Social Security Number - Someone illegally using your Social Security number can steal your financial identity and your money. Find out how to prevent identify theft, how to report it if you suspect it, and if you can get a new Social Security number if you are a victim. (PDF file)

Insuring Your Deposits - Is your bank or savings institution insured? Specifies what types of accounts are covered, and how much of your money is protected.

Internet Fraud: How to Avoid Internet Investment Scams - Questions to ask about online investment opportunities, tips on the warning signs of fraud, and what to do if you run into problems.

Introduction to Mutual Funds - What they are, how to compare them, what to consider before investing, and how to avoid common pitfalls.

Invest Wisely - Basic tips to help you select a brokerage firm and representative, and make and monitor an investment Identifies questions to ask and warning signs to look for to avoid problems.

Investors' Bill of Rights - What you should know about investments and what information you are entitled to before investing. (PDF file)

IRS Audit - Explains what an audit is, and factors that may trigger one. Here's advice that includes how to appeal the results.

Lump Sum Distribution - Before you take out the money built up in a pension plan, consider the tax and investment benefits and risks of your options.

Making Sense of Savings - How to compare the various types of banking accounts available. Describes the different services and fees, and gives questions to ask about interest rates and service charges.

Need a Loan? Think Twice About Using Your Home as Collateral - Useful tips to help you protect your home and equity when applying for a loan. (PDF file)

Shop...The Card You Pick Can Save You Money - Use the helpful chart of major credit card issuers to select the best card for you by comparing annual percentage rates, fees, and other features.

Shopping With Your ATM Card - Describes the new and expanded ways you can use an ATM card. Also provides safety precautions and a listing of ATM networks and affiliated shopping services by state.

Taking Control of Your Finances - A handy guide geared toward young adults—from those still in school to just starting a career or a family. Learn the right ways to save and manage money, and how to avoid some common mistakes people make with their money. (PDF file)

Ten Questions to Ask When Choosing a Financial Planner - Covers credentials, costs, services, an interview checklist, and resources to contact for more information. (PDF file)

U.S. Savings Bonds Investor Information - Detailed information on bond purchase, interest, maturity, replacement, redemption, exchange, and taxes.

What You Should Know About Financial Planning - Discusses the benefits of financial planning for life-changing events, such as buying a home or retirement. (PDF file)

Women and Retirement Savings - What women need to know about retirement benefits, including plan type, eligibility, penalties, spousal benefits, and more. (PDF file)

Your Credit Scores - Your credit score is a number based on the information in your credit file that rates how much of a risk you are. Learn why your credit score matters, what good and bad scores are, the elements of your FICO credit score, and how you can raise your score. (PDF file)

Your Investments - Consumer facts about investments that are not deposits and are not insured by the FDIC

Your Rights as a Financial Planning Client - Here’s a checklist of your rights, what to expect from your financial planner, and what to do if you have a problem. (PDF file)

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Small Business
(These booklets are available to view, print or download only. Printed copies are not available. Some of the links will take you to sites not maintained by FCIC.)

Avoiding Office Supply Scams - Learn the most common office scams and tips to avoid receiving overpriced or unordered merchandise. (PDF file)

Being An Entrepreneur - For various types of small businesses, explains how to create a business plan, decide on the best legal structure for your business, and market it. Also provides information on selling your business. (PDF file)

Consumer Guide to Buying a Franchise - Want to start your own business? Find out about the benefits of franchise ownership, the limitations, choosing the best franchise for you, and investigating franchise offerings. (PDF file)

Doing Business with GSA - The General Services Administration (GSA) buys a wide variety of products and services for federal agencies. Learn about GSA's contracting opportunities. (PDF file)

Employment Law Guide - Covers laws and regulations regarding wages and hours of work, safety and health standards, pension and benefit plans, federal contracts, and more. (PDF file)

General Information Concerning Patents - Learn about patent laws, application procedures, costs, and more in this revision Includes application form with instructions.

Introduction to Federal Taxes for Small Business/Self-Employed - Explains what you need to document expenses and deductions and file federal taxes.

Q's & A's for Small Business Employers - Use this guide to develop an effective safety and health program, identify safety hazards, reduce injuries, and more. (PDF file)

Small Business Resource Guide - Helpful CD-ROM contains business tax forms, instructions, and publications, plus guidance on preparing a business plan, financing your business, and more. Note: Our Winter Catalog mistakenly shows this as a 2008 publication. We apologize for the inconvenience.

Using Credit Reports: What Employers Need to Know - Explains the legal steps you must take when using credit reports to hire or evaluate employees. (PDF file)

Virtual Small Business Tax Workshop - Covers a variety of small business tax issues including payroll taxes, electronic filing, and the latest tax law changes that may affect the small business owner.

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Travel
(These booklets are available to view, print or download only. Printed copies are not available. Some of the links will take you to sites not maintained by FCIC.)

Applying for Your U.S. Passport the Easy Way - The Department of State's Bureau of Consular Affairs has prepared this publication to assist you in applying for your U.S. passport. This guide provides information on how, when, and where to apply for your passport.

Lesser Known Areas of the National Park System - Listing by state of more than 170 national parks, their accommodations, locations, and historical significance.

National Wildlife Refuge System: A Visitor's Guide - Use this full-color map to plan a visit and learn about hundreds of endangered species and their habitats. (PDF file)

Personal Security for the American Business Traveler Overseas - It is important to be alert and aware of the customs, laws and possible dangers. Use these helpful tips to protect yourself abroad. (PDF file)

Something for Everyone--E Journal USA - Have you traveled to the Caribbean, Bermuda, Panama, Mexico, or Canada lately? If you're a U.S. citizen, this site advises you of changes in passport rules to save you time and trouble. Learn how to get or renew your passport online, or what to do if it's lost or stolen. Need a Visa for study or travel? If you, or someone you know from abroad plans to visit the U.S., this site links to the Fullbright Scholar program and other American higher education opportunities. Don't know what you want to see? Take a "musical tour" of the U.S., or check out the photo gallery of American Treasures before finalizing your plans.

Tips For Women Traveling Alone - Traveling on your own can be an adventure—make sure it’s a safe one with these helpful tips.

Travel Smart, Travel Safe - Tips on getting health and safety warnings, passport and visa requirements, and more when traveling to other countries.

Travel Tips for Older Americans - This booklet provides advice to help you plan a safe and healthy trip and to make your trip the exciting, memorable event it should be.

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And More…
(These booklets are available to view, print or download only. Printed copies are not available. Some of the links will take you to sites not maintained by FCIC.)

2009 Consumer Action Handbook - Use this updated guide to get help with consumer purchases, problems and complaints. Find consumer contacts at hundreds of companies and trade associations; local, state, and federal government agencies; national consumer organizations; and more. (PDF file)

All That Glitters: The Jive on Jewelry - Explains terms commonly used in buying gold, silver, diamonds, and more. Includes a jewelry shopper's checklist. (PDF file)

American Revolution at a Glance - Learn about the major battles with colorful maps and informative descriptions. Illustrates and describes in chronological order the story of the war from 1763- 1783.

Antitrust Enforcement and the Consumer - Explains how laws governing business competition are enforced and how consumers benefit.

Conserving America's Fisheries - Did you know that more than 100 kinds of American fish are endangered? Find out what is being done to restore our fisheries and what you can do to help.

Dealing with a Disability - Discusses options for housing, health care, financial benefits, work, and legal rights.

Gettysburg National Military Park - It’s the site of one of the most important battles in the American Civil War. Learn more with maps, photographs, and a day-to-day history of the key battle that took place there.

Our Flag - Are you familiar with the U.S. flag's history and customs? Here is everything you want to know about the flag.

Swindlers Are Calling - Eight things you should know about telemarketing fraud, nine tip- offs that a caller could be a crook, and ten ways to avoid becoming a victim.

Taking Legal Action - Describes what happens when you're sued, when to consider hiring a lawyer, and options for avoiding litigation. Also explains what an executor is and does in order to settle an estate.

Taking Legal Action - Discusses when legal action may be appropriate, how to file in small claims court, and when to consider hiring a lawyer. (PDF file)

Why Save Endangered Species? - Explains the benefits of protecting endangered plants and animals and suggests ways to get involved. (PDF file)

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