At-Home Shopping Rights. How to deal with late deliveries, unordered merchandise, billing errors and much more when making purchases by mail or phone order. 5 pp. (1994. OCA) 373E. 50¢.

Being an Executor. Explains what an executor is and does in order to settle an estate. Includes a checklist and resources for more help if you are named an executor. 8 pp. (1996. LSC) 579F. Free.

Buying Time: The Facts About Pre-Paid Phone Cards. How to buy long distance telephone services in advance. 2 pp. (1997. FTC) 340E. 50¢.

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. 12 pp. (1995. TREA) 576E. Free.

Federal Credit Unions. How they work, what services are offered, and how to become a member. 8 pp. (1996. NCUA) 345F. 50¢.

Getting What You Pay For: Weights & Measures Tips for Consumers. Get the best buys on items like gasoline, groceries, and firewood sold by weights and measures. Tells who to contact with problems or questions. 21 pp. (1993. DOC) 342E. 50¢.

IRS Audit. Explains what an audit is, and factors that may trigger one. Here's advice that includes how to appeal the results. 8 pp. (1996. IRS) 608E. Free.

Making a Will. Explains why a will is important, how to prepare one, what to include, and how to keep it current. 12 pp. (1996. LSC) 580F. Free.

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. 12 pp. (1994. FRB) 343E. 50¢.

Planning Your Estate. How to estimate the size of your estate, minimize taxation, and provide for your heirs. 10 pp. (1996. IRS) 581F. Free.

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. 28 pp. (1995. USDA) 578E. Free.

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. 4 pp. (1990. CFTC/FTC) 346F. 50¢.

What You Should Know About Buying Life Insurance. Describes various types with tips on choosing a company and agent, and making sure a policy meets your needs. 23 pp. (1995. HHS) 582F. Free.

Year 2000, Your Bank and You. What's going to happen to your money on January 1, 2000? Get the facts on what your bank is doing to prepare and how you can protect yourself with this guide. 12 pp. (1998. FDIC) 613F. Free.

Choosing & Using Credit Cards. Credit cards vary widely in their charges and how fees are calculated. Learn how to compare costs for the best deal. 5 pp. (1993. FTC) 345E. 50¢.

Consumer Handbook to Credit Protection Laws. Explains how consumer credit laws can help you apply for credit, keep up a good credit standing, and complain about an unfair deal. 44 pp. (1993. FRB) 347F. 50¢.

Credit and Divorce. Compares the benefits and disadvantages of individual, joint and "user" accounts. Steps to take if you divorce or separate. 2 pp. (1998. FTC) 348F. 50¢.

Fair Credit Reporting. If you've ever applied for a loan or credit card, you have a credit report. Use this booklet to learn what's in your credit report, how you can get a copy, and who else can use this information. 8 pp. (1999. FTC) 349F. 50¢.

Fair Debt Collection. Describes what debt collectors may and may not do if you owe money. How and where to complain if you are harassed, threatened, or abused. 2 pp. (1996. FTC) 350F. 50¢.

How to Dispute Credit Report Errors. Gives tips on correcting errors, registering a dispute, and adding information to your file. 2 pp. (1998. FTC) 351F. 50¢.

Managing Your Debts: How to Regain Financial Health. Learn where to begin - what you can do for yourself, how credit counseling can help, facts about bankruptcy, and much more. 2 pp. (1994. HHS) 352F. 50¢.

Ready, Set.....Credit. How to check your credit record and establish a good history. What to do if your credit card is lost, stolen, or turned down. 2 pp. (1996. FTC) 351E. 50¢.

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. 18 pp. (1996. FRB) 353F. 50¢.

What Savvy Consumers Need to Know About Debit Cards. Explains how debit cards work and what to do if your debit card is lost or stolen. Includes 10 tips on how to protect your card and a special form to keep track of card numbers. 7 pp. (1997. USDA) 583F. Free.

66 Ways to Save Money. Practical ways to cut everyday costs on transportation, insurance, banking, credit, housing, utilities, food, and more. 4 pp. (1995. HHS) 354F. 50¢.

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. 8 pp. (1997. FEMA) 354E. 50¢.

Consumer's Almanac. Organize your daily expenses, save and invest for the future, and manage your credit with monthly calendars and worksheets. 32 pp. (1997. USDA) 355F. 50¢.

Introduction to Mutual Funds. Explains what they are, how to compare them, what to consider before investing, and how to avoid common pitfalls. 15 pp. (1994. SEC) 356F. 50¢.

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. 15 pp. (1994. SEC) 357F. 50¢.

Investment Swindles: How They Work and How to Avoid Them. Protect against illegal, yet legitimate-sounding, telemarketing and direct mail offers. 22 pp. (1994. CFTC) 584F. Free.

Investors' Bill of Rights. Here are some tips on what you should know about investments and what information you are entitled to before investing. 7 pp. (1998. CFTC/USPS) 585F. Free.

Planning Financial Security. Explains a wide variety of savings and investment options to achieve short-term and long-term goals. Includes a monthly budget worksheet, an investment risk tolerance quiz, and more. 12 pp. (1997. USDA) 586F. Free.

Ten Questions to Ask When Choosing a Financial Planner. ...cover credentials, costs and services. Includes an interview checklist and resources to contact for more information. 12 pp. (1998. SEC) 587F. Free.

U.S. Savings Bonds Investor Information. Detailed information on savings bond purchase, interest, maturity, replacement, redemption, exchange, and taxes. 14 pp. (1996. TREA) 358F. 50¢.

Understanding Opportunities & Risks in Futures Trading. Explains the commodities market, the risks involved, and regulations governing it. 46 pp. (1986. CFTC) 358E. 50¢.

What You Should Know About Financial Planning. Planning to buy a house or retire in the near future? This useful guide explains the benefits of financial planning and can help you get started. 13 pp. (1998. SEC) 602F. Free.

401(K) Plans. let you set aside a percentage of your pay on a pre-tax basis. Describes various investment options and plan features that you should discuss with your employer. 14 pp. (1997. TREA) 619E. Free.

Annuities. Annuities can be an important tool in planning your retirement. Not exactly sure what an annuity is or how it works? Here are the basics. Use this guide's helpful quiz to see if annuities are right for you. 11 pp. (1997. USDA) 588F. Free.

From Here To Security. Provides specific advice and actions to take for each of five different steps to financial security - from setting goals and choosing investment products to checking your progress. 8 pp. (1998. USDA) 359F. 50¢.

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. 14 pp. (1997. TREA) 589F. Free.

Predictable, Secure Pension for Life. Describes traditional benefit pension plans, how they operate, and the rights and options of workers covered by them. 24 pp. (1998. PBGC) 590F. Free.

Top 10 Ways to Beat the Clock and Prepare for Retirement. Gives practical tips to help build your retirement savings and resources for more information. 2 pp. (1998. DOL) 591F. Free.

Women and Pensions. Provides a checklist of questions to ask about retirement benefits, including plan type, eligibility, penalties, spousal benefits, and more. 6 pp. (1998. DOL) 592F. Free.