Consumer Information Catalog

GSA Federal Citizen Information Center – Free and low-cost information from Pueblo, CO – Winter 2007-08

Caring for your best friend
Dogs, like people, frequently suffer from the debilitating effects of arthritis, including joint pain, stiffness, swelling and inflammation. Non-Steroidal Anti-Inflammatory Drugs (NSAIDs) can control these symptoms and enhance your pet’s quality of life. But NSAIDs, like any drug, must be approached with care. Keeping Your Best Friend Active, Safe, and Pain Free provides important information to know before and during administration of these beneficial drugs. NSAIDs can also help your pet recover from surgery comfortably.

Don’t let your loans break the bank
Make 2008 the year for getting your finances in order. Kick start your efforts with 51 Ways to Save Hundreds on Loans and Credit Cards. This 12-page pub is packed with tips for managing credit cards, rainy-day funds, mortgages, insurance, college loans, small business loans and more, to help you avoid costly mistakes and keep more of your money.

Prepare your yard the green way
Winter is a great time to start planning your spring garden, and what better way to do it than with costs, time and the environment in mind. GreenScaping: The Easy Way to a Greener, Healthier Yard provides a comprehensive approach to managing your lawn and garden that will improve its health and appearance and save you time and money while protecting and preserving natural resources.

The Federal Citizen Information Center (FCIC) was established to help Federal agencies and departments develop, promote, and distribute useful consumer information to the public. One of the ways we do this is by publishing a new Consumer Information Catalog four times a year. Each quarter, we search out the best new consumer publications and review those already listed in the Catalog for accuracy.

Please be assured that FCIC does not share or sell any information obtained from you with any other organization.

Cars

Buying a New Car – Here’s a step-by-step guide that is a helpful tool for bargaining with dealers. 2pp. (1999. Federal Trade Commission) 301R

Buying a Used Car – Discusses your limited rights when buying from a dealer or private owner. 16 pp. (2002. Federal Trade Commission) 302R

Glove Box Tips – Six booklets to help you get your car ready for summer and winter driving, choose the right repair shop, and get the best work from your mechanic. 19 pp. (2002. Federal Citizen Information Center) 303R

How to Get a Great Deal on a New Car – Step-by-step details for a proven negotiation technique to save money on your next car. 4 pp. (2002. United States Department of Agriculture) 305R

How to Maintain Your Tires – Get the best mileage and the most use out of your tires with these tips on inflating, rotating, and evaluating them properly. 5 pp. (2004 Federal Citizen Information Center) 567R

Nine Ways to Lower Your Auto Insurance Costs – Helpful information on reducing your expenses. Includes a chart to compare discounts when shopping for insurance. 2 pp. (2003. United States Department of Agriculture) 307R

Taking the Scare Out of Auto Repair – Keep your car running smoothly with these practical tips on spotting trouble, choosing a repair shop, and working with your mechanic. 15 pp. (1996. Federal Trade Commission) 306R

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. 3 pp. (2007. General Services Administration) 577R

Understanding Vehicle Financing – Get the facts on dealership financing – what it is, how you apply, special financing offers, cash back and rebate eligibility, and more. 10 pp. (2007. Federal Trade Commission) 308R

Computers

Get Net Safe – Offers some easy ways to help keep you, your computer, and your family safer when you go online. 2 pp. (2006. Federal Citizen Information Center) 594R

Internet Auctions: A Guide for Buyers and Sellers – Find out how Internet auctions work, what type of payment options are available, how to protect yourself against fraud, and more. 18 pp. (2004. Federal Trade Commission) 347R

Is Your Private Information Open to the Public? – Outlines eight practical steps you can take to stay safe online and avoid becoming a victim of fraud, identity theft, or cyber crime. 6 pp. (2007. Department of Homeland Security) 350R

Stop. Think. Click. – Learn how to be OnGuard Online™ by following these important tips to protect your information, your computer, even yourself. 11 pp. (2005. Federal Trade Commission) 324R

Education

Choosing a School for Your Child – Learn about the public and private school options available in many communities. Describes steps to follow and provides questions to ask if you are not satisfied with your child’s education. 39 pp. (2004. Department of Education) 328R

GED Information Bulletin – Explains the content of the GED Tests, how to prepare for them, and how to get more information. 16 pp. (2002. Federal Citizen Information Center) 512R

Smart Saving for College – Better Buy Degrees – Provides information to help you save and invest wisely for college. Explains 529 Plans, Coverdell Education Savings Accounts, Savings Bonds, and more. 24 pp. (2007. Securities & Exchange Commission) 511R

Employment

Apprenticeships: Career Training, Credentials – and a Paycheck in your Pocket – Apprenticeships are available in more than 850 occupations. Learn how they work and how to choose the best program for you. 20 pp. (2002. Department of Labor) 102R

How to Get a Job in the Federal Government – Here’s a step-by-step plan to find and apply for federal jobs, with detailed information on finding openings, understanding vacancy announcements, developing your resume, and more. 24 pp. (2004. Department of Labor) 104R

Occupational Outlook Quarterly – Reviews new occupations, salaries, job trends, and more. 1-year subscription, 4 issues. (Department of Labor) 250R

Resumes, Applications, and Cover Letters – Use this helpful guide’s samples to prepare a winning cover letter and resume. 15 pp. (1999. Department of Labor) 106R

Top 10 Ways to Make Your Health Benefits Work for You – Easy-to-follow tips to help you understand and choose your health benefits. 2 pp. (2001. Department of Labor) 525R

Family

Ask, Listen, Learn – How to Talk to Your Adolescent About Alcohol – Explains the dangers of alcohol, with tips on when and how to start a conversation. Also provides answers to common questions kids might ask. 7 pp. (2005. Federal Citizen Information Center) 526R

Ask, Listen, Learn – What You Don’t “No” Can Hurt You – This kid-oriented guide features interactive games, trivia cards explaining the facts about alcohol, tips on how to avoid peer pressure, and more. 7 pp. (2005. Federal Citizen Information Center) 527R

Caring for an Aging Loved One – How to determine the best care for an older family member, with advice on living arrangements, care options, legal aspects, adjustment strategies, and more. 20 pp. (2006. Administration on Aging) 604R

Catch the Spirit: A Student’s Guide to Community Service – Ideas and information on how young people can help make their community a better place. 15 pp. (2005. Federal Citizen Information Center) 501R

Handbook on Child Support Enforcement – A “how to” guide for getting the payments owed to you and your children. Lists state and federal offices to contact for more information. 65 pp. (2005. Department of Health & Human Services) 505R

Helping Your Child Understand Money – Tips on teaching your child how to save money, set goals, and learn about earning money. 9 pp. (2006. Federal Citizen Information Center) 506R

Kids and Their Bones: A Parents’ Guide – Taking care of your child’s bones now can protect against later fractures and possible osteoporosis. Learn about the factors that may affect the health of your child’s bones. 11 pp. (2002. National Institute of Arthritis & Musculoskeletal & Skin Diseases) 504R

Preparing Makes Sense – Get Ready Now – How to put together an emergency supply kit and develop a family plan for all kinds of emergencies. 16 pp. (2006. Department of Homeland Security) 323R

Federal Programs

Americans with Disabilities Act: Questions and Answers – Explains how the civil rights of persons with disabilities are protected at work and in public places. 31 pp. (2002. Department of Justice) 513R

A Guide to Burial at Arlington National Cemetery – Explains eligibility requirements and services offered for military funerals at Arlington National Cemetery. 31 pp. (2003. Arlington National Cemetery) 539R

A Guide to Disability Rights Laws – Covers the rights of persons with disabilities regarding education, employment, fair housing, public accommodations, and telecommunications. 21 pp. (2005. Department of Justice) 514R

How You Can Buy Used Federal Personal Property – Describes used equipment and industrial items sold by the government, how they are sold, and where to call for more information. 5 pp. (2001. General Services Administration) 318R

National Sellers List – Contact information for dealers who sell real estate and personal property forfeited to federal law enforcement agencies. 8 pp. (2007. Department of Justice) 319R

Resources for Medicare Beneficiaries: Navigating the Coverage Gap – The coverage gap is when Medicare temporarily stops paying for your prescriptions and you have to pay the entire cost yourself. Learn how the gap works, how to keep track of expenses, and where to get more help. 5 pp. (2007. Federal Citizen Information Center) 521R

Your Right to Federal Records – Use the Freedom of Information Act (FOIA) and the Privacy Act to obtain records from the federal government. 40 pp. (2006. Department of Justice / General Services Administration) 320R

Your Social Security Number and Card – Explains why we have Social Security numbers, when and how to get one, and more. 2 pp. (2006. Social Security Administration) 515R

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. 8 pp. (2005. Social Security Administration) 517R

Federal Benefits for Veterans and Dependents – Explains disability, pension, health care, education and housing loans, and other benefit programs for veterans and their families. 166 pp. (2007. Department of Veterans Affairs) 105R

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. 3 pp. (2003. Social Security Administration) 516R

Social Security: Understanding the Benefits – Provides details on retirement, disability, survivor’s benefits, Medicare coverage, Supplemental Security Income, and more. 21 pp. (2007. Social Security Administration) 518R

Food

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 making your family sick. 8 pp. (2007. Food Safety & Inspection Service) 618R

Cooking for Groups: A Volunteer’s Guide to Food Safety – Whether it’s a family reunion buffet or community cookout, learn how to cook and serve food safely and avoid food-borne illness. 40 pp. (2006. Food Safety & Inspection Service) 621R

Diabetes Recipes – Five tasty and easy-to-follow recipes for people with diabetes. Nutrition facts for each dish help you keep track of what you are eating. 5 pp. (2005. Food & Drug Administration) 565R

Food Safety at Home – Follow these four easy rules to prevent food-borne illness. 2 pp. (2007. Food & Drug Administration) 616R Food Safety for Seniors – Older people are at a higher risk of becoming ill from eating raw foods. Learn what foods to avoid and why. 2 pp. (2007. Food & Drug Administration) 617R

Is It Done Yet? – The only safe way to know if meat, poultry, and egg dishes are fully cooked is to use a food thermometer. Get tips on using one, along with a temperature chart, in this handy guide. 7 pp. (2005. Food Safety & Inspection Service) 619R

Listeria – You can get very sick from this germ that grows on ready-to-eat foods that are kept too long – even in the fridge. Lists foods to avoid and others that need special handling. 2 pp. (2007. Food & Drug Administration) 602R

Restaurants and Take-Out Safety – Food safety tips to follow whether you’re eating out, getting food to take away, or bringing home leftovers in a doggie bag. 2 pp. (2007. Food & Drug Administration) 615R

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. 5 pp. (2003. Food & Drug Administration) 620R

Health

Antibiotic Resistance – Antibiotic drugs can save lives. But the more often you use an antibiotic, the more likely it is that germs will grow so strong that they can resist the drugs. Learn what you can do to minimize this resistance. 2 pp. (2007. Food & Drug Administration) 534R

Cell Phones – Addresses health concerns about cellular phones and radio frequency energy (RF) levels. 2 pp. (2007. Food & Drug Administration) 588R

Cosmetics – Basic fact sheet about using cosmetics safely. 2 pp. (2007. Food & Drug Administration) 541R

Cracking Down on Health Fraud – Read about specific cases of fraudulent health products on the market, and learn how to spot fake claims. 4 pp. (2006. Food & Drug Administration) 522R

Guide to Long-Term Care Insurance – This type of insurance covers services needed by those with a chronic illness or disability. Check out the costs, limitations and exclusions, and coverage options you need. 20 pp. (2004. United States Department of Agriculture) 579R

Hair Dye and Hair Relaxers – Both products can hurt your skin, hair, and eyes. Learn how to use them safely, including when and where they should not be used. 2 pp. (2007. Food & Drug Administration) 546R

How to Find Medical Information – How to use your local library, the federal government, and the Internet to get information on an illness or disorder. 24 pp. (2005. National Institute of Arthritis & Musculoskeletal & Skin Diseases) 528R

How to Keep Your Heart Healthy – More than 1 million people have heart attacks each year. Learn to recognize heart attack symptoms and make lifestyle changes to reduce your risk. 7 pp. (2004. Food & Drug Administration) 544R

Mammograms – A mammogram is a safe, low-dose x-ray of the breast. It is still the best tool we have to save lives by detecting breast cancer early. 2 pp. (2007. Food & Drug Administration) 622R

Pap Tests – Protect yourself from cervical cancer with a pap test. Learn when to get one, how to prepare for one, and more. 2 pp. (2007. Food & Drug Administration) 626R

Sleep Disorders – Overview of four common sleep problems and treatment options. 2 pp. (2007. Food & Drug Administration) 549R

Sunscreens and Tanning – Spending time in the sun is fun but can also cause sunburn, wrinkling, and skin aging. Find out how to enjoy the sun and protect yourself. 2 pp. (2007. Food & Drug Administration) 507R

Botox – Why it is used, how it works, what its side effects are, and what to consider if you want to try it. 2 pp. (2007. Food & Drug Administration) 540R

Buying Contact Lenses Online or by Mail – Tips to follow when ordering contact lenses online or through the mail, including prescription information required and what to watch out for. 2 pp. (2007. Food & Drug Administration) 543R

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. 14 pp. (2007. Food & Drug Administration) 563R

Contact Lens Care – Tips for keeping your eyes healthy and comfortable while you wear contact lenses. 1 pp. (2007. Food & Drug Administration) 545R

Depression – Medicines to Help You – Lists the brand and generic names of various antidepressants. Learn the side effects, who should not take them, and warning signs regarding harmful drug and food interactions. 15 pp. (2007. Food & Drug Administration) 551R

Dietary Supplements – Questions to ask before taking dietary supplements, including risks and where to find more information. 2 pp. (2007. Food & Drug Administration) 614R

Generic Drugs – Covers effectiveness, appearance, safety, and how they save you money. 2 pp. (2007. Food & Drug Administration) 555R

High Blood Pressure – Medicines to Help You – Medication, along with healthy eating and exercise, can help lower your blood pressure. Learn about the various drugs available, their potential side effects, and warning signs. 18 pp. (2007. Food & Drug Administration) 559R

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. 10 pp. (2007. Food & Drug Administration) 623R

LASIK Laser Eye Surgery – What to know before having laser eye surgery, including cost, health risks, lifestyle considerations, and more. 2 pp. (2007. Food & Drug Administration) 542R

Liposuction – Liposuction is one of the most frequent cosmetic surgeries. Get basic facts and what to consider before undergoing this surgery. 2 pp. (2007. Food & Drug Administration) 606R

Medicine and Pregnancy – You still can use many medicines when you are pregnant or nursing. Use this guide and talk with your doctor, nurse, or pharmacist about keeping yourself well and your baby safe. 2 pp. (2007. Food & Drug Administration) 600R

Menopause – Medicines to Help You – Provides basic information about hormone replacement therapy (HRT). Learn about the three types available and their common and more serious side effects. 10 pp. (2007. Food & Drug Administration) 605R

Menopause & Hormones: Fact Sheet – Explains the benefits and risks of treating symptoms of menopause with hormone therapy. 2 pp. (2005. Food & Drug Administration) 611R

Menopause & Hormones: Purse Guide – Questions to ask your doctor concerning hormone therapy for symptoms of menopause. 2 pp. (2005. Food & Drug Administration) 610R

My Medicines – Take care of yourself with this easy-to-follow guide that features questions to ask your doctor and a simple chart to keep track of your medications. 6 pp. (2005. Food & Drug Administration) 556R

Over-the-Counter Drugs – You can buy over-the-counter (OTC) drugs without a prescription. Reading the label is the only way to know when and how to use them to avoid side effects and drug and food interactions. 1 pp. (2007. Food & Drug Administration) 532R

Smoking – Medicines to Help You – Find out about products and medicines to help you quit smoking and read tips on creating a plan to stop. 7 pp. (2007. Food & Drug Administration) 550R

Use Medicines Wisely – Simple tips to follow when taking medications, including questions to ask and the importance of reading labels and keeping track of all the medicines you take. 2 pp. (2007. Food & Drug Administration) 523R

Using Your Medicare Drug Plan: What to Do if Your Medicine Isn’t Covered – Your Medicare prescription drug plan might not routinely cover every medicine prescribed to you. Learn step-by-step how to request coverage from your plan, and how to write an appeal if necessary. 10 pp. (2007. Federal Citizen Information Center) 520R

Whole-Body CT Screening – Discusses the risks, limitations, and benefits of whole-body CT screening. 2 pp. (2007. Food & Drug Administration) 552R

Your Pharmacy Benefit: Make It Work for You! – How to get the best pharmacy benefit when choosing health insurance, including Medicare. How to appeal if your plan denies coverage for a specific drug. Includes a sample appeal letter. 16 pp. (2005. Administration on Aging/ Federal Citizen Information Center) 524R

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. 10pp. (2006. Federal Citizen Information Center) 548R

Handout on Health: Sports Injuries – Most of us aren’t pro athletes, so we need to have the facts about sports injuries. Learn what kinds of activities are most likely to cause injuries, how to prevent them, and treatments available. 16pp. (2004. National Institute of Arthritis & Musculoskeletal & Skin Diseases) 502R

Allergies – Discuss the symptoms, tests, and treatments. Also provides a comparison chart to help you distinguish between allergy and cold symptoms. 2 pp. (2007. Food & Drug Administration) 566R

Asthma – Explains the symptoms of asthma, its triggers, diagnosis, and treatment options. 2 pp. (2007. Food & Drug Administration) 607R

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. 7 pp. (2005. Food & Drug Administration) 603R

Cholesterol – Cholesterol is a fat-like material in your blood that can increase your risk of heart disease. Learn how to find out if you have high cholesterol, and what you can do to reduce it. 2 pp. (2007. Food & Drug Administration) 612R

Depression – Outlines the three main types of depression, causes, symptoms, and how to learn more. 2 pp. (2007. Food & Drug Administration) 613R

Diabetes – Many people who have diabetes are unaware they have it. Learn the warning signs, risk factors, and the importance of early detection and treatment. 2 pp. (2007. Food & Drug Administration) 564R

Fibroids – Explains the symptoms and treatments, and answers common questions about fibroids. 2 pp. (2007. Food & Drug Administration) 510R

The Flu – The flu is different from a cold and usually appears without warning signs. Learn the symptoms, types of vaccines available, who is at risk, and more. 2 pp. (2007. Food & Drug Administration) 561R

Handout on Health: Back Pain – Describes causes, diagnosis, treatments, and research efforts to learn more about back pain. 29 pp. (2005. National Institute of Arthritis & Musculoskeletal & Skin Diseases) 608R

Handout on Health: Osteoarthritis – Discusses symptoms, treatments, and helpful exercises for the most common type of arthritis. 36 pp. (2002. National Institute of Arthritis & Musculoskeletal & Skin Diseases) 537R

Handout on Health: Osteoporosis – Comprehensive guide details the causes, risk factors, diagnosis, treatment, and prevention of osteoporosis. 55 pp. (2007. National Institute of Arthritis & Musculoskeletal & Skin Diseases) 538R

Handout on Health: Scleroderma – This group of diseases involves the abnormal growth of connective tissue under the skin and around internal organs. Describes the different forms of scleroderma, symptoms, diagnosis, and treatment. 40 pp. (2001. National Institute of Arthritis & Musculoskeletal & Skin Diseases) 509R

Heart Disease – Heart disease is a leading cause of death in the U.S. Learn the signs of heart disease, including the “silent” symptoms, and get tips on how to lower your risk. 2 pp. (2007. Food & Drug Administration) 553R

High Blood Pressure – High blood pressure (also called hypertension) is a serious illness that affects nearly 65 million adults in the United States. Learn why it’s vital that you get tested and, if necessary, get treated. 2 pp. (2007. Food & Drug Administration) 557R

HPV – At least 50% of sexually active people will get genital HPV (human papillomavirus). Some kinds of HPV cause serious health problems, including cervical cancer. Find out about treatments and a new vaccine for young women. 2 pp. (2007. Food & Drug Administration) 624R

Infertility – Overview of the possible causes and factors affecting infertility in both men and women, and when to see a doctor. 2 pp. (2007. Food & Drug Administration) 601R

Joint Replacement Surgery and You – Explains this increasingly common procedure, as well as tips for a successful recovery and possible complications after surgery. 16 pp. (2005. National Institute of Arthritis & Musculoskeletal & Skin Diseases) 609R

Loss of Bladder Control – Explains different kinds of bladder control problems and treatment options. 2 pp. (2007. Food & Drug Administration) 558R

Lung Cancer – Describes how it is diagnosed, the types and stages of lung cancer, warning signs, and more. 2 pp. (2007. Food & Drug Administration) 560R

Many Shades of Lupus – Lupus affects people of different races, ethnicities, and ages, both men and women, in many ways. Find out more about lupus, its symptoms, causes, and treatments. 30 pp. (2003. National Institute of Arthritis & Musculoskeletal & Skin Diseases) 536R

Osteoporosis – Osteoporosis is a disease that causes very weak bones that break easily. Women are five times more likely to get osteoporosis than men. There is no cure, but there are lifestyle changes you ca make to slow it down and medications you can take to build bones. 2 pp. (2007. Food & Drug Administration) 531R

Preventing Stroke – Learn more about the most common cause of adult disability and estimate your risk with the information stroke-risk chart. 8 pp. (1999. National Institutes of Health) 329R

Questions & Answers About Arthritis and Rheumatic Diseases – Basic facts about these conditions, including examples of rheumatic diseases, symptoms, causes, diagnosis, and treatments. 34 pp. (2002. National Institute of Arthritis & Musculoskeletal & Skin Diseases) 535R

Questions & Answers About Hip Replacement – Who is a likely candidate, alternatives available, possible complications, recovery, and what to expect during rehabilitation. 15 pp. (2001. National Institute of Arthritis & Musculoskeletal & Skin Diseases) 533R

Questions & Answers About Knee Problems – Causes, symptoms, diagnosis, and treatment of specific knee conditions. 45 pp. (2006. National Institute of Arthritis & Musculoskeletal & Skin Diseases) 530R

Questions & Answers About Psoriasis – This chronic skin disorder causes scaling and inflammation. Learn about its causes, symptoms, types, diagnosis, and treatments. 17 pp. (2003. National Institute of Arthritis & Musculoskeletal & Skin Diseases) 508R

Questions & Answers About Vitiligo – Vitiligo causes white patches to appear on the skin in different parts of the body. Learn who is affected, other symptoms, including emotional and psychological aspects, treatment options, and more. 19 pp. (2006. National Institute of Arthritis & Musculoskeletal & Skin Diseases) 529R

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. 7 pp. (2005. Food & Drug Administration) 547R

Strokes – Basic information on the three types of strokes, warning signs to watch out for, and how to lower your risk. 2 pp. (2007. Food & Drug Administration) 554R

Urinary Tract Infections in Adults – Learn about its causes, symptoms, and treatments available. 8 pp. (1999. National Institutes of Health) 330R

West Nile Virus – Facts on how this virus is spread through mosquito bites, its symptoms, who is most at risk, and ways to protect yourself. 2 pp. (2007. Food & Drug Administration) 562R

Women and HIV – Get the basic facts about this virus that causes AIDS, how you can get it, what the signs are, and what to do if you are HIV-positive. 2 pp. (2007. Food & Drug Administration) 625R

Housing

Am I Covered? – Answers 15 common questions regarding homeowners insurance and explains what is covered in a standard policy. 9 pp. (1997. United States Department of Agriculture) 336R

Consumer Handbook on Adjustable Rate Mortgages – Basic features, advantages, risks, and terminology associated with adjustable rate mortgages. Explains how ARMs work, how to reduce your risk, and more. Includes a table for comparing mortgages. 36 pp. (2007. Federal Reserve Board) 349R

How to Buy a Home With a Low Down Payment – Describes how to qualify for a low down payment mortgage, determine what you can afford, and how mortgage insurance works. 9 pp. (2002. United States Department of Agriculture) 597R

How to Buy a Manufactured (Mobile) Home – Tips on selection and placement, warranties, site preparation, transportation, installation, and more. 14 pp. (1997. Federal Trade Commission) 304R

Interest-Only Mortgage Payments and Payment-Option ARMs – Are They For You? – Explains these types of mortgages, including the benefits, risks, and how each affects monthly payments and your home equity. 15 pp. (2006. Federal Reserve Board) 333R

Looking for the Best Mortgage – Shop, Compare, Negotiate – Use these 3 steps to save money on a mortgage or home loan. Includes a mortgage shopping worksheet. 7 pp. (1999. Federal Reserve Board) 334R

Protect Your Move – Three helpful booklets to help you choose a reputable mover, select the right level of liability insurance to protect your possessions when moving across state lines, and deal with any problems. Includes a “before you move” checklist. 20 pp. (Department of Transportation) 598R

Twelve Ways to Lower Your Homeowners Insurance Costs – Practical tips and phone numbers of state insurance departments for information. 4 pp. (1995. Federal Citizen Information Center) 335R

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. 25 pp. (2006. Federal Citizen Information Center) 599R

Energy Savers: Tips on Saving Energy & Money at Home – Reduce your home energy use with tips on insulation, weatherization, heating, and more. 36 pp. (2006. Department of Energy) 332R

GreenScaping: The Easy Way to a Greener, Healthier Yard – Learn ways to care for your lawn and garden that will save you time and money and protect the environment. Composting and mulching, site-appropriate plant selection, smart watering, holistic pest management and natural lawn care. 15 pp. (2006. Environmental Protection Agency) 326R

How to Prune Trees – Illustrated guide shows what to do, what not to do, tools to use, and when to trip to produce healthy, strong trees. 29 pp. (1996. United States Department of Agriculture) 108R

National Flood Insurance Guide – Property owners can purchase insurance against flooding losses. Learn the requirements, questions to ask, and more. 20 pp. (2005. Federal Emergency Management Agency) 596R

Selecting a New Water Heater – Describes how different types of water heaters work and important features to consider when buying. 6 pp. (1995. Department of Energy) 107R

Money

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. Federal Reserve Board) 338R

Hands on Banking – 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. (2005. Federal Citizen Information Center) 573R

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. Federal Trade Commission) 322R

Protecting Yourself from Overdraft and Bounced Check Fees – Find out how much overdraft and bounced check fees can cost you and learn how to avoid these fees. 2 pp. (2004. Federal Reserve Board) 340R

Understanding How We All Benefit from Insurance – An interactive CD-ROM that teaches the basics of home, life, car and casualty insurance through entertaining activities, quizzes and games. (2004. Federal Citizen Information Center) 581R

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. Federal Reserve Board) 339R

Your Home Inventory – How to create a home inventory to keep track of your belongings, buy the proper amount of insurance you need, get property insurance claims settled faster, and verify losses for your tax return. 2 pp. (2006. Federal Citizen Information Center) 345R

51 Ways to Save Hundreds on Loans and Credit Cards – Simple strategies for cutting costs any time, plus specific tips for credit cards and home, auto, small “emergency,” student and small business loans. 11 pp. (2007. Federal Deposit Insurance Corporation) 593R

Building a Better Credit Report – Learn how to improve your credit score, deal with debt, spot credit-related scams, and more. 16 pp. (2005. Federal Trade Commission) 311R

Choosing a Credit Card – Compare features and costs, and learn your liability limits when using a credit card. Covers what to do if there is a billing error or another problem with your card. 20 pp. (2004. Federal Reserve Bank) 309R

Consumer Handbook to Credit Protection Laws – This guide explains how consumer credit laws can help and protect you. 44 pp. (1999. Federal Reserve Bank) 310R

Credit Matters – How to qualify for credit, keep a good credit history, protect your credit once you have it, and more. 2 pp. (2000. Federal Trade Commission) 312R

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. 18 pp. (2005. Federal Trade Commission) 341R

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 identity theft, how to report it if you suspect it, and if you can get a new Social Security number if you are a victim. 8 pp. (2006. Social Security Administration) 519R

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. (2005. Federal Citizen Information Center) 313R

66 Ways to Save Money – Practical ways to cut everyday costs on transportation, insurance, banking, credit, housing, utilities, food, and more. 10 pp. (2005. Federal Citizen Information Center) 342R

Affinity Fraud – This type of scam targets religious, elderly, ethnic, professional, and other groups. Get tips on how to avoid becoming a victim and where to get more information. 2 pp. (2006. Securities & Exchange Commission) 592R

Building Financial Freedom – Learn about ways to develop or improve your savings and investment strategies. Includes a worksheet to help track your spending and how to find the right kind of financial help. 18 pp. (2006. United States Department of Agriculture) 569R

Certificates of Deposit: Tips for Investors – Learn how CDs work, how to purchase them, and questions to ask before buying. 6 pp. (2003. Securities & Exchange Commission) 575R

The Consumer’s Almanac – Organize your expenses, save for the future, and manage your credit with monthly calendars and worksheets. 32 pp. (1997. United States Department of Agriculture) 343R

Get the Facts on Saving and Investing – Use this guide’s helpful tips and worksheets for calculating net worth, income, and expenses. 18 pp. (2004. Securities & Exchange Commission) 584R

How SPIC Protects You – If your brokerage firm closes due to bankruptcy or other financial difficulties, the Securities Investor Protection Corporation (SIPC) works to re-turn your assets. Find out what SIPC does and does not cover. 10 pp. (2002. Securities & Exchange Commission) 570R

Insuring Your Deposits – Find out if your bank or savings institution is insured, what types of accounts are covered, and how much of your money is protected. 2 pp. (2006. Federal Deposit Insurance Corporation) 574R

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. 19 pp. (2005. Securities & Exchange Commission) 595R

Introduction to Mutual Funds – What they are, how to compare them, what to consider before investing, and how to avoid common pitfalls. 36 pp. (2003. Securities & Exchange Commission) 571R

Questions You Should Ask About Your Investments – The secret to investing wisely is knowing what to ask about investment products, your broker’s history, your investment’s performance, and how to handle problems. 8 pp. (2002. Securities & Exchange Commission) 591R

401(k) Plans – Explains what these plans are, what happens when you change employers, and what to do if you need the money before retirement. 11 pp. (2006. Internal Revenue Service) 572R

Estate Planning – Covers why a will is important and how to prepare one; how to estimate the size of your estate and minimize taxes; and how to set up powers of attorney and advance medical directives. 13 pp. (2006. United States Department of Agriculture) 580R

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. 2 pp. (2005. Department of Labor) 586R

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. (1999. Department of Labor) 585R

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 you need to retire and how to make sure your funds will last during your retirement. 68 pp. (2005. Department of Labor) 583R

Variable Annuities: What You Should Know – Learn what they are, how they work, what you have to pay, and what to ask before you invest. 20 pp. (2004. Securities & Exchange Commission) 590R

Women and Retirement Savings – What women need to know about retirement benefits, including plan type, eligibility, penalties, spousal benefits, and more. 6 pp. (2001. Department of Labor) 587R

Your Guaranteed Pension – Frequently-asked questions about the security of private pension plans, including benefits and plan termination. 12 pp. (2007. Pension Benefit Guaranty Corporation) 582R

Small Business

Advance Fee Business Scams – Know the different types of advance fee scams, how to spot them, and what to do if you’re a victim. 5 pp. (2002. Department of State) 346R

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. 17 pp. (2006. Internal Revenue Service) 589R

Copyright Basics – Covers what can be copyrighted, who can apply, registration procedures, filing fees, what forms to use, and more. 12 pp. (2002. Library of Congress) 314R

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. 106 pp. (2005. Department of Labor) 576R

Guide to Business Credit for Women, Minorities, and Small Businesses – Find out what loans are available, the credit approval process, and your legal rights. 12 pp. (1999. Federal Reserve Bank) 317R

Is Your Business Everybody’s Business? – Tips for small businesses to help keep their information systems safe. 6 pp. (2007. Department of Homeland Security) 337R

Small Business Resource Guide 2006 – Helpful CD-ROM contains business tax forms, instructions, and publications, plus guidance on preparing a business plan, financing your business, and more. (2006. Internal Revenue Service) 316R

Virtual Small Business Tax Workshop DVD – 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. (2006. Internal Revenue Service) 315R

Travel

National Park System Map and Guide – This full-color map lists activities at more than 300 parks, monuments, and historic sites. (2006. Department of Interior) 113R

National Trails System Map and Guide – Full-color map describes eight national scenic trails and nine national historic trails. (2005. Department of Interior) 109R

Tips for Travelers with Disabilities – Get ready for a trip abroad with information on airline and hotel arrangements, health concerns, service and equipment advice, and more. 1 pp. (2003. Department of State) 325R

Tips for Women Traveling Alone – Traveling on your own can be an adventure – make sure it’s a safe one with these helpful tips. 5 pp. (2002. Department of State) 327R

Travel Tips for Students – Trips abroad can be an exciting part of your education – use these tips to ensure a trouble-free and safe trip. 5 pp. (2000. Department of State) 348R

Washington: The Nation’s Capital – Use this full-color map to learn more about our country’s heritage by exploring Washington, D.C. (2006. Department of Interior) 112R

And more…

2007 Consumer Action Handbook – Use this updated guide to get help with consumer problems and complaints. Find consumer contacts at hundreds of companies and trade associations, local, state, and federal government agencies, national consumer organizations, and more. 172 pp. (2007. Federal Citizen Information Center) 568R

The Civil War at a Glance – This full-color map illustrates and briefly describes major Civil War battle campaigns. (1995. Department of Interior) 111R

The Constitution of the United States and the Declaration of Independence – Learn more about the foundations of our country’s freedom with the full text of both of these historic documents. 48 pp. (2006. U.S. House of Representatives) 110R

For the Birds – How to attract different species of birds, feed them, and build or buy suitable homes. 50 pp. (1997. Department of Interior) 331R

Funerals: A Consumer Guide – Know your rights as a consumer and what to keep in mind when making funeral arrangements. 29 pp. (2000. Federal Trade Commission) 321R

Keeping Your Best Friend Active, Safe and Pain Free – Discusses the use of No-Steroidal Anti-Inflammatory Drugs (NSAIDs) in dogs to control pain and inflammation caused by arthritis or surgery. 6 pp. (2007. Food & Drug Administration) 503R

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. 12 pp. (2006. Federal Citizen Information Center) 578R

Welcome to the United States: A Guide for New Immigrants – This comprehensive guide contains practical information to help immigrants deal with everyday life in the United States, as well as a basic introduction to the U.S. system of government. It also gives new immigrants tips on how to get involved in their new communities and exercise their rights as citizens or permanent residents. 114 pp. (2005. U.S. Citizen & Immigration Services) 101R

Sponsoring Agencies

ANC – Arlington National Cemetery
AOA – Administration on Aging
DHS – Department of Homeland Security
DOE – Department of Energy
DOI – Department of Interior
DOJ – Department of Justice
DOL – Department of Labor
DOS – Department of State
DOT – Department of Transportation
ED – Department of Education
EPA – Environmental Protection Agency
FCIC – Federal Citizen Information Center
FDA – Food & Drug Administration
FDIC – Federal Deposit Insurance Corporation
FEMA – Federal Emergency Management Agency
FRB – Federal Reserve Board
FSIS – Food Safety & Inspection Service
FTC – Federal Trade Commission
GSA – General Services Administration
HHS – Department of Health & Human Services
HOUSE – U.S. House of Representatives
IRS – Internal Revenue Service
LOC – Library of Congress
NIAMS – National Institute of Arthritis & Musculoskeletal & Skin Diseases
NIH – National Institute of Health
PBGC – Pension Benefit Guaranty Corporation
SEC – Securities & Exchange Commission
USCIS – U.S. Citizen & Immigration Services
USDA – United States Department of Agriculture
VA – Department of Veterans Affairs

How to Order Publications

Download the PDF and print page 15 titled “Order Form for Sales Publications”. Some publications are free, while some cost only $1.00.

Get the PDF:


www.pueblo.gsa.gov