FCIC - Money

Money

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Consumer Guide to Check 21 and Substitute Checks. A federal law, known as Check 21, allows banks to send you "substitute checks" in place of your original cancelled checks. Find out your rights. 2 pp. (2004. FRB) 307V. $1.50. A pdf version is available

Consumer's Guide to Disability Income Insurance. This booklet covers: the significant chances of becoming disabled during one’s career; how a disability can affect one's finances; potential sources of disability income; what disability insurance covers; and what to look for in an insurance plan. 19 pp. (2009. USDA) 512V. Free. A pdf version is available

Guide to Long-Term Care Insurance. This type of insurance covers services needed by those with chronic illness or disability. Check out the costs, limitations and exclusions, and coverage options you need. 20 pp. (2004. USDA) 579V. Free. A pdf version is available

Living Trust Offers. Find out if living trusts are right for you and how to protect yourself from scams when planning your estate. 2 pp. (2000. FTC) 322V. $1.50. A pdf version is available

Managing Your Money in Good Times and Bad. Provides tips for spending less, saving more and borrowing smart. Points out scams that heat up in a down economy and explains con games. Gives ways to raise your credit score; get a good loan; actions to take when you can’t make your payments; and your rights when a debt collector calls. 12 pp. (2009. FDIC) 581V. Free. A pdf version is available

Online Banking, Bill Paying and Shopping: 10 Ways to Protect Your Money. 8 pp. (2010. FDIC) 617V. Free. A pdf version is available

Protecting Yourself from Overdraft and Bounced Check Fees. Find out how much overdraft and bounced check fees can cost; learn how to avoid them. 2 pp. (2004. FRB) 312V. $1.50. A pdf version is available

Renters Insurance. Many renters mistakenly assume their landlord’s insurance will cover their possessions if they are stolen or destroyed in a fire or other catastrophe. Only a renters insurance policy will provide that protection. Learn about the types of coverage, how to buy a policy, and how to file a claim. 2 pp. (2009. USDA) 336V. $1.50. A pdf version is available

When Is Your Check Not a Check?. Merchants can use the information from your checks to withdraw money directly from your bank account. Learn about your rights when it comes to electronic check conversion and what to do if you have a problem. 2 pp. (2002. FRB) 308V. $1.50. A pdf version is available

Your Home Inventory. How to create a home inventory to keep track of your belongings, buy the proper amount of insurance, get property insurance claims settled faster, and verify losses for your tax return. 2 pp. (2006. FCIC) 331V. $1.50. A pdf version is available

Credit

Building a Better Credit Report. Learn how to improve your credit score, deal with debt, spot credit-related scams, and more. 16 pp. (2005. FTC) 311V. $1.50. A pdf version is available

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 and how to report it if you suspect it. If you are a victim, learn how to get a new Social Security number. 8 pp. (2007. SSA) 519V. Free. A pdf version is available

New Realities, New Diections for Credit Cardholders-8 Ways to Avoid Pitfalls. pp. (2010. FDIC) 625V. Free. A pdf version is available

Your Credit Scores. Your credit score shows how likely you are to pay a loan on time. Learn why your credit score matters, what good and bad scores are, the elements of your FICO credit score, and how to raise your score. 2 pp. (2008. FCIC) 313V. $1.50. A pdf version is available

Investing & Saving

66 Ways to Save Money. Practical ways to cut everyday costs on transportation, insurance, banking, credit, housing, utilities, food, and more. 10 pp. (2005. FCIC) 310V. $1.50. A pdf version is available A Spanish version is available

A Guide for Seniors: Protect Yourself Against Investment Fraud. This booklet tells you how to check out an investment sales pitch for legitimacy; describes warning flags of fraud, types of fraud, and what to know about “senior” specialists and advisors. 18 pp. (2009. SEC) 577V. Free. A pdf version is available

Ask Questions: Questions You Should Ask About Your Investments. The secret to investing wisely is knowing what to ask about investment products, your broker’s history, the performance of your investments,, and how to handle problems. 8 pp. (2007. SEC) 573V. Free.

Consumer's Almanac. Organize your expenses, save for the future, and manage your credit with monthly calendars and worksheets. 32 pp. (2006. USDA) 315V. $1.50. A pdf version is available

Fighting Fraud 101--Smart Tips for Older Investors. Scam artists frequently target Americans nearing, or in, retirement. The typical fraud victim is college-educated and financially savvy. This booklet will help you learn the psychology of a scam, and how to protect yourself. 3 pp. (2007. SEC) 578V. Free. A pdf version is available A Spanish version is available

How SIPC Protects You. If your brokerage firm closes due to bankruptcy or other financial difficulties, the Securities Investor Protection Corporation (SIPC) works to return your assets. Find out what SIPC does and does not cover. 10 pp. (2002. SEC) 570V. Free. A pdf version is available

Mutual Funds: A Guide for Investors. What they are, how to compare them, what to consider before investing, and how to avoid common pitfalls. 36 pp. (2007. SEC) 571V. Free.

Saving and Investing: A Roadmap To Your Financial Security Through Saving and Investing. Use this guide's helpful tips and worksheets for calculating net worth, income, and expenses. 18 pp. (2006. SEC) 584V. Free. A pdf version is available

Your Insured Deposits. Detailed explanation of which bank and savings accounts qualify for federal deposit insurance coverage, how one person can have multiple accounts covered, and when the temporary $250,000 coverage will revert to $100,000. 21 pp. (2009. FDIC) 574V. Free. A pdf version is available

Retirement Planning

Savings Fitness: A Guide to Your Money and Your Financial Future. Create your personal savings plan and prepare for retirement with this step-by-step guide. 20 pp. (2008. DOL) 585V. Free. A pdf version is available

Taking the Mystery Out of Retirement Planning. Designed for those about 10 years from retirement, this comprehensive publication has step-by-step worksheets to help you figure out how much money you need to retire and how to make sure your funds will last during your retirement. 68 pp. (2008. DOL) 583V. Free.

Top 10 Ways to Prepare for Retirement. Gives practical tips to build your retirement savings and lists resources for more information. 2 pp. (2007. DOL) 586P. Free. A pdf version is available

Variable Annuities: What You Should Know. Explains what they are, how they work, their cost, and questions to ask before you invest. 20 pp. (2007. SEC) 572V. Free. A pdf version is available

What You Should Know About Your Retirement Plan. Helps you understand your employer’s retirement savings plan, know what information you should review periodically and where to go for help with questions. Explains when and how you can receive retirement benefits, the responsibilities of those who manage the plan and its investments, and how events such as divorce or change of employer ownership may affect your retirement benefit. 33 pp. (2006. DOL) 609V. Free. A pdf version is available

Your Guaranteed Pension. Frequently asked questions about the security of private pension plans, including benefits and plan termination. 12 pp. (2010. PBGC) 582V. Free.

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