Consumer Information Catalog Spring 1999 In This Issue... Cars - Children - Employment - Federal Programs - Food - Health - Housing - Money - Small Business - Travel - And More... The Consumer Information Center (CIC) was established in 1970 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 Catalog four times a year. Each quarter, we search out the best new consumer booklets and review those already listed in the Catalog for accuracy. Please be assured that CIC does not share or sell any information obtained from you with any other organization. CARS Buying a New Car. Discusses pricing terms, financing options, and various contracts. Includes a worksheet to help you bargain. 2 pp. (1998. FTC) 302F. $ 0.50 Buying a Used Car. Learn about your limited rights when buying from a dealer or private owner and about the "Buyer's Guide" sticker required by law on all used cars sold by a dealer. Also provides tips on what to watch out for when shopping for used cars. 16 pp. (1998. FTC) 303F. $ 0.50 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. 18 pp. (1997. DOT) 304F. $ 0.50 Glove Box Tips. Five 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. 10 pp. (1994. EPA) 305F. $ 0.50 How to Find Your Way Under the Hood & Around the Car. Instructions for 14 preventative maintenance services you can perform on your car. 2 pp. (1993. DOC) 306F. $ 0.50 How to Get a Great Deal On a New Car. Step-by-step instructions for a proven negotiation technique that you can use to save money on your next car. 4 pp. (1996. USDA) 307F. $ 0.50 Keys to Vehicle Leasing. Explains the difference between leasing and buying a car. Sample form shows required information on a lease agreement, as well as your rights and responsibilities. 6 pp. (1997. FRB) 308F. $ 0.50 Nine Ways to Lower Your Auto Insurance Costs. Tips on what to do to lower your expenses. Includes a chart to compare discounts. 6 pp. (1990. HHS) 309F. $ 0.50 Underhood Tips to Help You Keep Your Cool. Learn how non-Freon air conditioners affect you and the environment. 2 pp. (1996. EPA) 501F. Free. CHILDREN Learning Activities 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. (1998. ED) 502F. Free. Helping Your Child Become a Reader. It's easy to show children the importance of reading by using games and activities in their daily routine. Learn how to make books an essential part of your children's lives with this guide. 32 pp. (1998. ED) 504F. Free. Helping Your Child Learn Geography. Teach 5-10 year old children geography in ways that are challenging and fun. 36 pp. (1996. ED) 310F. $ 0.50 Learning Activities for the Growth Season. A seven week schedule listing daily, fun learning activities for elementary age children. Poster. (1997. ED) 311F. $ 0.50 Learning Partners. Activities to help your preschool or elementary-aged child learn reading, math, science, history, writing, and much more. 30 pp. (1997. ED) 312F. $ 0.50 Museums and Learning: A Guide for Family Visits. How to make museum visits enjoyable learning experiences for your 4-12 year olds. Includes activities for children and families to do before, during, and after the visit. 30 pp. (1998. ED) 313F. $ 0.50 Timeless Classics. Lists nearly 400 books published before 1960 for children of all ages. Divided in grade groups of K-12. 2 pp. (1994. NEH) 314F. $ 0.50 Parenting Fun Play, Safe Play. Learn how play can improve your child's development. Includes a safety and buying guide for toys for children up to 12 years old. 24 pp. (1998. CPSC) 511F. Free. 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. 33 pp. (1992. ED) 505F. Free. Handbook on Child Support Enforcement. A "how to" guide for getting the payments owed to you and your children. Lists state and federal offices for more information. 61 pp. (1997. HHS) 506F. Free. 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. 76 pp. (1997. HHS) 508F. Free. Kids, Cash, Plastic and You. Tips and activities to teach young children about budgeting, handling an allowance, and how to make saving and spending decisions. 12 pp. (1997. HHS) 510F. Free. Learning Disabilities. Explains the differences between learning problems and disabilities. Chart shows language and reasoning skills to watch for at different ages and more. 40 pp. (1993. NIMH) 315F. $ 0.50 Parents' Guide to the Internet. Information on equipment and software, costs, surfing the Internet, getting e-mail, and protecting your privacy. Lists interesting and fun online resources for parents and children. 16 pp. (1997. ED) 316F. $ 0.50 Your Child and Organized Sports. Helpful advice for parents and coaches to get children to participate in and enjoy sports. 12 pp. (1998. PCPFS) 512F. Free. EDUCATION 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. 34 pp. (1997. ED) 513F. Free. Direct Student Loan Consolidation...could benefit you financially. Learn how to consolidate your federal loans into a single account, and much more. 16 pp. (1996. ED) 514F. Free. The GED Diploma. Learn what the General Educational Development Diploma tests cover, how to prepare, and where to get more information. 16 pp. (1997. ED) 515F. Free. Nontraditional Education: Alternative Ways to Earn Your Credentials. Get high school or college credit through the GED program, the National External Diploma program, correspondence and distance study, and standardized tests. 16 pp. (1996. DOL) 101F. $1.75. Planning for College. Strategies to help you plan for tuition and fees along with helpful charts for estimating future costs. 10 pp. (1996. TREA) 516F. Free. Think College? Me? Now? A Handbook for Students in Middle School and Junior High. Believe it or not, students should start preparing for college in the seventh and eighth grades. Sound too early? Learn about the benefits of planning ahead for college with this booklet. 24 pp. (1998. ED) 136F. $1.25. EMPLOYMENT Business and Managerial Occupations. Managing a business is a demanding job, but it can have many rewards. Learn more about the many exciting and challenging opportunities in the Business and Managerial fields with this guide. 54 pp. (1998. DOL) 102F. $4.50. Changing Your Job. Lists important questions to consider about your career plans, financial position, pension, industry outlook, skills and interests before you make a move. 12 pp. (1998. DOL) 517F. Free. College Graduates: Degrees, Earnings and Outlook. Graduating from college can be a time of great uncertainty. What will the job market be like? How much will you earn? Learn about what will be waiting for you with this informative booklet. 52 pp. (1998. DOL) 137F. $4.25. Computer and Mathematics-Related Occupations. When you hear Java, do you think computers before coffee? If you see the world through a computer monitor or mathematical equations, this booklet offers useful information about occupations in the computer and math fields. 21 pp. (1998. DOL) 103F. $2.25. Handy Reference Guide to the Fair Labor Standards Act. Explains the federal laws on minimum wage, overtime pay, child labor, and more. 18 pp. (1996. DOL) 317F. $ 0.50 Health Benefits Under COBRA (Consolidated Omnibus Budget Reconciliation Act). How to keep or buy coverage for yourself and family after a job loss, reduced work hours, divorce, or death. 24 pp. (1994. DOL) 318F. $ 0.50 Help Wanted - Finding a Job. Describes both private companies and government agencies that offer consumers help in finding a job. Lists precautions to take when contacting an employment service firm. 8 pp. (1996. FTC) 319F. $ 0.50 Here Today, Jobs of Tomorrow: Opportunities in Information Technology. Ever wonder who maintains all of the computer systems you see everywhere? This booklet can help you learn about the high demand for information technology workers and if this field is right for you. 16 pp. (1998. DOL) 138F. $1.75. High Earning Workers Who Don't Have a Bachelor's Degree. Lists more than 100 occupations requiring less than a college degree. 8 pp. (1995. DOL) 104F. $1.00. How to File a Claim for Your Benefits. What to do if your claim or appeal for health, disability, or severance benefits is denied. 2 pp. (1991. DOL) 320F. $ 0.50 The Job Outlook in Brief, 1996-2006. Which occupations' futures are sunny? Which are stormy? This booklet looks ahead to 2006 and forecasts job prospects for nearly 250 jobs. 40 pp. (1998. DOL) 105F. $3.25. Matching Yourself With the World of Work. Don't fall into a job that might not be a perfect fit for you. A job you love can lead to a long and rewarding career. Find out what to look for in your ideal job with this guide. 20 pp. (1998. DOL) 139F. $2.00. 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. 28 pp. (1997. DOL) 518F. Free. Occupational Outlook Quarterly. Reviews new occupations, salaries, job trends, and much more. 1 year subscription, 4 issues. (DOL) 250F. $8.00. Resumes, Application Forms, Cover Letters, and Interviews. Tips on tailoring your resume for specific jobs and sample interview questions. 8 pp. (1987. DOL) 106F. $1.25. Sales Occupations. If you're interested in going into sales, this guide will help. It offers information on different types of sales positions and gives details on each specific position. 21 pp. (1998. DOL) 107F. $2.25. Tips for Finding the Right Job. Learn how to assess your skills and interests, prepare a resume, write cover letters, and interview for a job. 28 pp. (1996. DOL) 108F. $1.75. Tomorrow's Jobs. Discusses changes and trends in the economy, labor force, occupational growth, education and training requirements, and much more. 18 pp. (1998. DOL) 109F. $2.25. - Also read "The Job Outlook in Brief, 1996-2006" on the previous page for more helpful career info. What You Should Know About Your Pension Rights. Explains your rights, benefits, payment schedules, protections, and more. 48 pp. (1995. DOL) 321F. $ 0.50 Your Guaranteed Pension. Answers 19 frequently asked questions about the security of private pension plans, including benefits and plan termination. 11 pp. (1998. PBGC) 519F. Free. FEDERAL PROGRAMS The Americans with Disabilities Act: Questions and Answers. Explains how the civil rights of persons with disabilities are protected at work and in public places. 32 pp. (1996. DOJ) 520F. Free. Are There Any Public Lands for Sale? Describes the federal program to sell excess undeveloped public land and why there is no more available for homesteading. 12 pp. (1997. DOI) 110F. $1.00. Federal Information Center. Lists where to call when you have a question about the federal government. 1 pp. (1998. GSA) 521F. Free. A Guide to Disability Rights Laws. Describes your rights regarding fair housing, public accommodations, telecommunications, education, and employment. 14 pp. (1996. DOJ) 522F. Free. Guide to Federal Government Sales. Learn more about how to buy homes, cars and other property from 17 federal sales programs. 19 pp. (1998. GSA) 111F. $2.00. 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. (1998. GSA) 322F. $ 0.50 National Sellers List. The government sells real estate and personal property that has been forfeited to federal law enforcement agencies. Here's a list of dealers who sell items, their addresses and phone numbers. 8 pp. (1998. DOJ) 323F. $ 0.50 U.S. Real Property Sales List. Lists government real estate properties for sale that are sold by auction or sealed bid. Tells how to get more information on specific properties. 5 pp. (Bimonthly. GSA) 523F. Free. Your Right to Federal Records. Use the Freedom of Information Act (FOIA) and the Privacy Act to obtain records from the federal government. Answers questions and has a sample request letter. 26 pp. (1996. DOJ/GSA) 324F. $ 0.50 Your Social Security Number. Explains why we have social security numbers, when and how to get one, and how to protect its privacy. 2 pp. (1996. SSA) 524F. Free. Benefits Basic Facts on Social Security. Explains the different kinds of Social Security benefits, who receives them, and how they're financed. 17 pp. (1998. SSA) 525F. Free. Federal Benefits for Veterans and Dependents. Explains disability compensation, pension, health care, education and housing loans, and other benefit programs for veterans and their families. 95 pp. (1998. VA) 112F. $3.75. Request for Earnings and Benefit Estimate Statement. A form to complete and return to Social Security to get your earnings history and an estimate of future benefits. 3 pp. (1998. SSA) 527F. Free. Social Security: Understanding the Benefits. Explains retirement, disability, survivor's benefits, Medicare coverage, Supplemental Security Income, and more. 40 pp. (1998. SSA) 528F. Free. Social Security: What Every Woman Should Know. Discusses how a woman's benefits may be affected by disability, divorce, widowhood, retirement, or other special employment situations. Also lists where to get more information. 19 pp. (1997. SSA) 529F. Free. - Don't miss the Retirement Planning section on page 11 for more helpful booklets. FOOD Action Guide for Healthy Eating. Eating healthy foods may require you to make only a few minor changes in your lifestyle. This guide gives helpful hints to help you include more low fat, high-fiber foods in your diet. 16 pp. (1995. NCI) 530F. Free. Can Your Kitchen Pass the Food Safety Test? Take the 10-point quiz on food storage, handling, and cooking to protect your family from foodborne illnesses. 4 pp. (1996. FDA) 532F. Free. Critical Steps Toward Safer Seafood. Discusses how the FDA helps keep seafood safe and gives tips on safe food handling practices and selecting wholesome seafood. 5 pp. (1998. FDA) 533F. Free. Eat Right to Help Lower Your High Blood Pressure. Lists menu ideas and recipes to help you control your weight and high blood pressure. 30 pp. (1995. NIH) 114F. $2.75. Eating for Life. Eating right may reduce your risk of developing cardiovascular disease and cancer. This booklet helps you learn to make healthy, appetizing food choices. 23 pp. (1993. NIH) 115F. $1.25. An FDA Guide to Dietary Supplements. Improve your memory! Have more energy! We've all heard the amazing claims for dietary supplements available at your local health food store. But can they be trusted? This informative guide can help you make educated decisions regarding these products. 8 pp. (1998. FDA) 603F. Free. Fight BAC!(tm) Four Simple Steps to Food Safety...gives advice on how to handle food safely so you, your family and friends don't become ill. 5 pp. (1998. USDA/FDA/CDC) 534F. Free. The Food Guide Pyramid. This easy guide can help you select the nutrients you need (without too many calories) and to reduce the fat, cholesterol, sugar, sodium, or alcohol in your diet. 29 pp. (1996. USDA) 116F. $1.00. Growing Older, Eating Better. Older people may eat poorly for a variety of reasons, including loneliness, financial difficulties and physical problems. But good nutrition is a must to help lessen the effects of diseases prevalent in older Americans. Learn about programs that can help. 5 pp. (1997. FDA) 604F. Free. How to Help Avoid Foodborne Illness in the Home. Easy but essential tips that will keep your food free from the four most common and dangerous bacteria. 8 pp. (1997. USDA) 537F. Free. Irradiation: A Safe Measure for Safer Food. Learn how irradiation helps control foodborne illnesses without making food radioactive. 6 pp. (1998. FDA) 538F. Free. A Pinch of Controversy Shakes Up Dietary Salt. Discusses the effects of hidden salt in your diet and gives tips on reducing salt intake to prevent the risk of high blood pressure. 6 pp. (1997. FDA) 539F. Free. Safer Eggs: Laying the Groundwork. We all like to taste the dough when making chocolate chip cookies. But if there are eggs in the batter, this may not be the best idea. Eggs can carry the Salmonella bacteria, which can lead to serious illness. Find out how to handle eggs safely with this guide. 5 pp. (1998. FDA) 605F. Free. Snack Smart for Healthy Teeth. Tips on choosing the right snacks to prevent tooth decay and promote healthy eating, with a list of suggested items from the five basic food groups. 4 pp. (1997. NIH) 326F. $ 0.50 HEALTH Clearing Up Cosmetic Confusion. Learn what the terms on cosmetic labels mean, what products are prohibited, and how to protect yourself against hazardous misuse. 5 pp. (1998. FDA) 540F. Free. FDA Consumer. Articles based on recent developments in the regulation of foods, drugs, and cosmetics by the Food and Drug Administration. Subscription, 6 issues. (FDA) 251F. $9.00. Seven Steps to Safer Sunning. When it's warm outside, everyone's thoughts turn to lemonade, the beach, and summer tans. But tanning can damage your skin. Learn how to protect your skin and still enjoy the sun with this guide. 5 pp. (1996. FDA) 606F. Free. Consumer Information Catalog Spring 1999 Water on Tap: A Consumer's Guide to the Nation's Drinking Water. Explains where it comes from and how it's treated, what contaminants are, and what to do in case of a problem with either your public or private water supply. 22 pp. (1997. EPA) 542F. Free. You Can Control Your Weight As You Quit Smoking. Often one of the downsides of quitting smoking is gaining weight. But that may not have to be. Here's some help on how to avoid weight gain and adopt a healthier lifestyle after smoking. 10 pp. (1998. NIH) 375F. $ 0.50 Drugs & Health Aids FDA's Tips for Taking Medicines. Prescription and over the counter drugs can be sensitive and may react in strange ways to different things. Learn more about the do's and don'ts of medicine with this publication. 4 pp. (1998. FDA) 544F. Free. A Guide to Contraceptive Choices. Compares 13 methods of birth control according to effectiveness, health risks, availability, convenience, and how well they protect you from sexually transmitted diseases. 8 pp. (1997. FDA) 543F. Free. Homeopathy: Real Medicine or Empty Promises? Learn about this method of treating disease, including its history, current practices, and how it's regulated. 5 pp. (1998. FDA) 545F. Free. It's Quittin' Time. Describes the benefits and side effects of five stop-smoking aids: the anti-smoking pill, nicotine patch and gum, nasal spray, and inhaler. Gives suggestions on creating a plan to stop smoking with resources for more help. 5 pp. (1998. FDA) 546F. Free. Keeping an Eye on Contact Lenses. Wish you could trade in your glasses for contacts or change your eye color? This informative booklet looks at the different types of contact lenses available and if they are right for you. 5 pp. (1998. FDA) 547F. Free. Kids Aren't Just Small Adults. Important information about giving nonprescription medicine to your child. 1 pp. (1998. FDA) 509F. Free. Making Your Medications Work Better. No one likes to take medications. But when you do, you want to make sure they work properly. Here are some do's and don'ts to help you make your medicines work better. 4 pp. (1998. FDA) 607F. Free. Medications and Older Adults. As you get older, you may need to take more medications. This guide can help you keep track of which medicines you are taking and how to properly take them. 4 pp. (1998. FDA) 608F. Free. Nonprescription Medicines: What's Right for You? Advice on choosing over-the-counter (OTC) medicines and avoiding harmful interactions. 12 pp. (1996. FDA) 548F. Free. Questions to Ask Your Pharmacist. Your pharmacist knows a lot about your medications and can alert you to any dangerous drug interactions. Learn what to ask your pharmacist and how to use this information when taking medication. 4 pp. (1998. FDA) 609F. Free. Diet & Exercise Dieter's Brews Make Tea Time a Dangerous Affair. Many dieter's teas contain stimulant laxatives, which can cause serious side effects. Learn how to check labels and recognize dangerous symptoms. 5 pp. (1998. FDA) 551F. Free. Do You Know the Health Risks of Being Overweight? Being overweight can increase your chances of developing serious health problems, like heart disease, diabetes, and cancer. This guide can help you lose weight safely and develop a healthier lifestyle. 10 pp. (1998. NIH) 373F. $ 0.50 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. 15 pp. (1997. NIH) 327F. $ 0.50 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. 5 pp. (1998. CPSC) 328F. $ 0.50 Physical Activity and Nutrition: A Win-Win Situation. 3 booklets cover frequently-asked questions about sports and nutrition. Includes a nutrient content chart for selected foods and how to participate in the Presidential Sports Award program. 17 pp. (1997. PCPFS) 552F. Free. Should You Go On a Diet? Discusses the risks of fad diets and diet pills for teenagers, and gives healthy tips for anyone trying to lose weight. 3 pp. (1994. FDA) 553F. Free. Walking for Exercise and Pleasure. Includes illustrated warm-up exercises and advice on how far, how fast, and how often to walk for best results. 14 pp. (1994. PCPFS) 117F. $1.00. Ways to Win at Weight Loss. How to create a successful weight loss plan, including over-the-counter medications, prescription drugs and diet and exercise programs. 6 pp. (1998. FDA) 554F. Free. Weight Loss for Life. Always following the latest diet fads? Quick fixes may not be the best answer. This guide will help you learn how to lose weight safely and stay healthy. 20 pp. (1998. NIH) 329F. $ 0.50 Medical Problems Alzheimer's Disease...is a group of diseases that lead to the loss of mental and physical functions. Learn how Alzheimer's is diagnosed, possible causes, and current treatments. 36 pp. (1992. NIMH) 555F. Free. Bipolar Disorder (Manic-Depressive Illness). Learn signs and symptoms, available treatments, and how to get help. 12 pp. (1995. NIMH) 556F. Free. Boning Up on Osteoporosis. Osteoporosis is a silent thief. It drains away bone over many years without warning to the patient or doctor. Learn more about this condition and how to prevent it. 6 pp. (1998. FDA) 557F. Free. Breast Cancer and Mammograms. Describes who is at risk for breast cancer, what you can do, and how a mammogram can help. 5 pp. (1997. NCI) 558F. Free. Colds & Flu. Explains the differences between a cold and the flu. Suggests ways to avoid viruses and reviews over-the-counter medications, the flu shot, and home remedies. 4 pp. (1997. FDA) 559F. Free. - Also read "Making Your Medications Work Better" on the previous page. Controlling Asthma. Discusses what triggers an asthma attack, possible causes, and medications to prevent attacks and help relieve symptoms. 5 pp. (1998. FDA) 560F. Free. Diabetes Demands a Triad of Treatments. With a variety of treatments, it is now possible for diabetics to control their disease. This pamphlet explores the different treatments for diabetes and how they can improve diabetics' lives. 5 pp. (1998. FDA) 562F. Free. Don't Lose Sight of Glaucoma. Find out who is most likely to develop glaucoma, its symptoms, and how it is treated. 2 pp. (1993. NIH) 330F. $ 0.50 Fever Blisters & Canker Sores. Discusses causes, treatments, and research on these mouth infections. 12 pp. (1992. NIH) 331F. $ 0.50 Getting Rid of Yeast Infections. There are a variety of drugs available to fight yeast infections. Learn more about this illness and which drugs may work best for you. 2 pp. (1997. FDA) 563F. Free. High Blood Pressure: Treat it for Life. High blood pressure can lead to heart failure, kidney failure, or stroke. Learn how you can control it through diet, exercise, and medication with this guide. 52 pp. (1994. NIH) 119F. $4.00. Laser Eye Surgery - Is It Worth Looking Into? Will the new eye surgeries that you've heard about rid you of your glasses and contacts forever? Maybe not. Learn more about corrective eye surgery for nearsightedness and whether it is appropriate for you. 5 pp. (1998. FDA) 566F. Free. New Attitudes Towards Menopause. Provides information about symptoms and treatments, including the benefits and risks of estrogen replacement therapy. Also lists resources for more information and assistance. 4 pp. (1998. FDA) 564F. Free. New Ways to Prevent and Treat AIDS. Describes new home-use testing kits, drug treatments, and other advances in fighting AIDS. 4 pp. (1997. FDA) 565F. Free. Noninsulin-Dependent Diabetes. Discusses who is at risk, the symptoms, causes, and treatments for this disease that may be hard to identify. 35 pp. (1992. NIH) 333F. $ 0.50 Preventing Stroke. Discusses what a stroke is, warning signs, and risk factors. Includes a chart to estimate your stroke risk. 8 pp. (1994. NIH) 334F. $ 0.50 Prostate Cancer. About 184,500 American men will be diagnosed with prostate cancer this year and 39,200 will die. This guide looks at how you can detect prostate cancer and the options available to treat it. 6 pp. (1998. FDA) 610F. Free. So You Have High Blood Cholesterol. Guidelines for lowering your blood cholesterol through diet, medication, and exercise. 36 pp. (1993. NIH) 120F. $1.75. Spread the Word About Cancer: A Guide for Black Americans. Learn what you can do to reduce your chances of getting cancer. 12 pp. (1995. NCI) 569F. Free. Time to Spring Into Action Against Seasonal Allergies. Explains how to treat chronic allergies, including medication, nasal sprays and allergy shots. Discusses common questions regarding over-the-counter medications. 5 pp. (1998. FDA) 570F. Free. Varicose Vein Treatments. Explains treatments, risks, and side effects; questions to ask your doctor; and more. 2 pp. (1994. FTC) 335F. $ 0.50 What to Do When a Friend is Depressed. Depression is a serious disease that affects people of all ages, even teenagers. But with this group, it is usually mistaken for growing pains. This guide helps teens understand the myths about depression and tells where to get help. 3 pp. (1989. NIMH) 571F. Free. HOUSING Sales & Financing Buying Your Home: Settlement Costs and Helpful Information. Describes the home buying, financing, and settlement (closing) process. Helpful tips on shopping for a loan with worksheets to calculate and compare closing costs. 35 pp. (1997. HUD) 121F. $1.75. A Consumer's Guide to Mortgage Lock-Ins. Basic information to help you obtain the terms of credit you really want. Lists questions to ask when shopping for a mortgage. 14 pp. (1995. FRB) 336F. $ 0.50 A Consumer's Guide to Mortgage Refinancings. Is refinancing beneficial to you? Learn the costs and how to tell if the time is right. 8 pp. (1996. FRB) 337F. $ 0.50 How to Buy a Home With a Low Down Payment. There are private and federal options for obtaining a mortgage. Learn how to qualify, determine what you can afford, and more. 9 pp. (1998. USDA) 572F. Free. How to Buy a Manufactured (Mobile) Home. Tips on selection and placement, warranties, site preparation, transportation, installation, and more. 22 pp. (1997. FTC) 338F. $ 0.50 The HUD Homebuying Guide. Here are step-by-step instructions for finding and financing a HUD home. Includes charts to help you estimate mortgage payments. 11 pp. (1998. HUD) 573F. Free. Twelve Ways to Lower Your Homeowners Insurance Costs. Practical tips to help reduce your expenses. Lists phone numbers of state insurance departments for more information. 4 pp. (1995. HHS) 339F. $ 0.50 Home Maintenance Am I Covered? Answers 15 common questions regarding homeowners insurance and explains what is covered in a standard policy. 9 pp. (1997. HHS) 340F. $ 0.50 Automatic and Programmable Thermostats. How to choose which of the five basic types will help you save the most money and energy. 4 pp. (1997. DOE) 122F. $1.00. Backyard Bird Problems. How to control common problems such as destruction of garden plants, nesting in gutters and chimneys, and damage to your home's exterior. 27 pp. (1993. DOI) 574F. Free. Cooling Your Home Naturally. Suggests how to save electricity and keep your home cool with landscaping, roof treatments, and more. 8 pp. (1994. DOE) 123F. $1.00. Energy-Efficient Windows. Describes how to reduce your home's heating, cooling and lighting costs using properly selected and installed windows. 6 pp. (1994. DOE) 124F. $1.00. Energy Savers: Tips on Saving Energy & Money at Home. A practical guide on how to reduce your home energy use, with tips on insulation, weatherization, heating and cooling, lighting, landscaping, and much more. 36 pp. (1998. DOE) 341F. $ 0.50 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. 2 pp. (1998. HUD) 342F. $ 0.50 Healthy Lawn, Healthy Environment. Tips on soil preparation, grasses, watering, mowing, pesticides, choosing a lawn care service, and more. 19 pp. (1992. EPA) 343F. $ 0.50 A Home Electrical Safety Check. Lists symptoms of potential electrical hazards, discusses do's and don'ts, and poses questions to help you keep your home safe. 17 pp. (1996. CPSC) 344F. $ 0.50 Home Sweet Home...Improvement. Home improvement can be a big challenge with many questions along the way. Here's some help for everything from choosing a contractor to cleaning up the job site. 11 pp. (1998. FTC) 374F. $ 0.50 How to Prune Trees. Illustrated guide shows what to do, what not to do, and what tools to use and when, for healthy, strong trees. 30 pp. (1995. USDA) 125F. $1.50. Indoor Air Hazards Every Homeowner Should Know About. How to identify and reduce the hazards of indoor air pollutants such as asbestos, radon, lead, molds and more. 13 pp. (1998. USDA/EPA) 575F. Free. Managing the Japanese Beetle: A Homeowner's Handbook. Discusses how to detect and control Japanese beetles, and choose plants that resist Japanese beetle feeding. 16 pp. (1998. USDA) 126F. $2.00. Never Say Never. 90% of all U.S. natural disasters involve flooding. Learn how to obtain the insurance coverage you should have. 5 pp. (1996. FEMA) 577F. Free. Power$mart: Easy Tips to Save Money and the Planet. Would you like to save energy without sacrificing comfort in your home? Learn how to make energy-efficient choices that are good for your family, your finances, and the environment. 24 pp. (1998. DOE/EPA) 611F. Free. Protect Your Family From Lead In Your Home. Exposure to lead is dangerous, especially to young children. Learn how to check your home and reduce the hazards. 15 pp. (1995. EPA) 578F. Free. Selecting a New Water Heater. Describes how different types of water heaters work and important features to consider when buying. 6 pp. (1995. DOE) 127F. $1.00. Should You Have the Air Ducts in Your Home Cleaned? How to decide if your ducts need cleaning, choose a cleaning service, evaluate health claims, and keep ducts clean. 20 pp. (1997. EPA) 128F. $2.00. MONEY 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. 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. Planning Your Estate. How to estimate the size of your estate, minimize taxation, and provide for your heirs. 10 pp. (1996. IRS) 581F. 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. $ 0.50 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. Credit 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. $ 0.50 Fair Credit Reporting. How to find the credit bureau that has your report, how to dispute information, and who can get a copy of your report. 8 pp. (1997. FTC) 349F. $ 0.50 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. $ 0.50 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. $ 0.50 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. $ 0.50 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. $ 0.50 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. Saving & Investing 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. $ 0.50 The 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. $ 0.50 An 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. $ 0.50 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. Tips to help you make informed investment decisions. 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. $ 0.50 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. Retirement Planning Annuities. Detailed information on the different types of annuities that can accumulate and generate retirement income. Includes a helpful quiz and questions to ask. 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. $ 0.50 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. A Predictable, Secure Pension for Life: Defined Benefit Pensions. 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. (1997. 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. SMALL BUSINESS Americans with Disabilities Act: Guide for Small Businesses. Discusses basic requirements businesses must follow to ensure that facilities are accessible. Includes toll-free sources for more assistance. 15 pp. (1996. DOJ) 593F. Free. Copyright Basics. Covers what can be copyrighted, who can apply, registration procedures, filing fees, what application forms to use, and much more. 12 pp. (1998. LOC) 360F. $ 0.50 Resource Directory for Small Business Management. Going out on your own and starting a business is a big decision. It can also be intimidating. This helpful guide offers a listing of useful publications and videotapes to help you get off the ground. 6 pp. (1998. SBA) 361F. $ 0.50 SBA Borrower's Guide. Explains SBA's loan programs, including maximum amounts available, interest rates, eligibility, etc. Includes a reference chart covering 10 loan programs and a loan repayment guide. 29 pp. (1996. SBA) 594F. Free. SBA Programs & Services. Discusses how SBA can help you start or expand a business. Lists phone numbers, online information, business counseling and training, lending programs, and much more. 23 pp. (1996. SBA) 595F. Free. TRAVEL Fly-Rights. Advice for travelers on getting the best fares, what to do when faced with lost tickets and baggage, canceled or overbooked flights, and much more. 58 pp. (1994. DOT) 129F. $1.75. Fly Smart. Lists more than 30 steps you can take to help make your flight a safe one. Includes a passenger checklist. 2 pp. (1994. DOT) 596F. Free. Foreign Entry Requirements. Lists 200 embassy and consulate addresses and phone numbers where visas may be obtained. 20 pp. (1998. DOS) 363F. $ 0.50 Lesser Known Areas of the National Park System. Listing by state of more than 170 national parks, their accommodations, locations, and historical significance. 49 pp. (1995. DOI) 130F. $2.50. National Park System Map and Guide. Full color map lists activities at more than 300 parks, monuments, and historic sites. (1998. DOI) 131F. $1.25. National Trails System Map and Guide. Full color map describes eight national scenic trails and nine national historic trails. (1993. DOI) 132F. $1.25. Passports: Applying for Them the Easy Way. How, when, and where to apply for U.S. passports. Includes information on fees. 2 pp. (1998. DOS) 364F. $ 0.50 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. 19 pp. (1998. DOS) 140F. $1.25. Your Trip Abroad. Traveling abroad can be exciting and educational, but you need to be prepared. This booklet can help you get the most out of your vacation. 48 pp. (1998. DOS) 141F. $1.50. AND MORE... 1998-99 Consumer's Resource Handbook. This helpful guide provides assistance with consumer problems and complaints. Lists consumer contacts at hundreds of companies and trade associations, state and federal government agencies, local and national consumer organizations, and much more. 144 pp. (1998. CIC) 597F. Free. 1999 Consumer Calendar. This calendar features interesting facts about the history of consumerism in the U.S. and useful tips to help you become a better informed consumer. 25 pp. (1998. CIC) 372F. $ 0.50 All That Glitters...The Jive on Jewelry. Explains terms commonly used in buying gold, silver, diamonds, and more. Includes a jewelry shopper's checklist. 10 pp. (1998. FTC) 365F. $ 0.50 Buying a Computer. Practical advice on how to buy a computer that fits your needs. Gives tips on protecting your computer and data, defines common computer terms, and provides a helpful checklist to use when shopping for a computer. 10 pp. (1998. GSA) 598F. Free. Civil War at a Glance. This color map illustrates and briefly describes major Civil War battle campaigns. (1995. DOI) 134F. $1.25. For the Birds. How to attract different species of birds, feed them, and build or buy suitable homes. 50 pp. (1997. DOI) 366F. $ 0.50 Funerals: A Consumer Guide. Tells what costs and services a funeral provider is required to give you when you inquire in person or by phone. 4 pp. (1996. FTC) 367F. $ 0.50 Site-Seeing on the Internet. This guide can help you navigate the Internet, learn the local customs and lingo and learn what to avoid during your travels. 11 pp. (1998. FTC) 368F. $ 0.50 The U.S. and the Metric System. Explains how to use metric in everyday life. Includes metric conversion charts and more. 10 pp. (1997. DOC) 370F. $ 0.50 Where to Write for Vital Records. This useful guide offers listings for each state on how to obtain birth, death, marriage and divorce certificates. 32 pp. (1998. NIH) 135F. $2.25. Why Save Endangered Species? Ways to get involved in saving plants and animals. 10 pp. (1997. DOI) 600F. Free. Year 2000 and You. Describes some of the possible effects if computers cannot read the year 2000 (Y2K), and how this could disrupt the workplace, services, and equipment you use. 2 pp. (1998. GSA) 601F. Free. Your Family Disaster Supplies Kit. Lists kinds of food, first aid supplies, tools, and other items you should stock for an emergency. 4 pp. (1995. FEMA) 371F. $ 0.50 PUBLICATION PRICING As you look through the Catalog, you may wonder why some booklets have an individual price and others do not. Booklets are offered without individual charge to the consumer if the sponsoring agency can pay the printing and distribution costs. When a booklet has a sales price, the Government Printing Office (GPO) sets the price to cover these costs; prices vary accordingly. When a booklet is $ 0.50, the sponsoring agencies are able to share in some of the costs customarily paid by GPO. SPONSORING AGENCIES The initials of the federal office sponsoring a publication appear in parentheses near the end of each booklet entry. The list below gives agencies' full names. CDC Centers for Disease Control CFTC Commodity Futures Trading Commission CIC Consumer Information Center CPSC Consumer Product Safety Commission DOC Department of Commerce DOE Department of Energy DOI Department of the 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 FDA Food and Drug Administration FEMA Federal Emergency Management Agency FRB Federal Reserve Board FTC Federal Trade Commission GSA General Services Administration HHS Department of Health and Human Services HUD Department of Housing and Urban Development IRS Internal Revenue Service LOC Library of Congress LSC Legal Services Corporation NCI National Cancer Institute NEH National Endowment for the Humanities NIH National Institutes of Health NIMH National Institute of Mental Health PBGC Pension Benefit Guaranty Corporation PCPFS President's Council on Physical Fitness and Sports SBA Small Business Administration SEC Securities & Exchange Commission SSA Social Security Administration TREA Department of the Treasury USDA U.S. Department of Agriculture USPS U.S. Postal Service VA Department of Veterans Affairs HOW TO ORDER Sales Booklets * On page 15, "Order Form for Sales Booklets," fill in the quantity and total price of the sales booklets you want. * Add up the quantity and prices, then enter your totals in the spaces provided. * Prices guaranteed until September 30, 1999. Quantity Discount: If you order 100 or more copies of a single sales booklet, deduct 25% off the price of this booklet. Discounts do not apply to $ 0.50 booklets. International Orders: To cover extra handling costs for shipments outside of the United States, add 25% to the total sales price of your order. Free Booklets * On the back cover, "Order Form for Free Booklets," circle the item number for each free booklet you want. * Add up the total number of free booklets ordered and fill in the space provided on pages 15 and 16. There is a $2.00 service fee for any order containing free booklets (whether by mail, phone, web or fax) to help defray program costs. Supplies may be limited, so order today! Payment and Ordering PAYMENT AND ORDERING * Send check or money order payable to "Superintendent of Documents" or use your VISA, MasterCard, Discover Card, or prepaid GPO deposit account. Credit card orders must include the expiration date and your signature. * Please allow 4 weeks for delivery. MAIL * Address your order as follows For free booklets For all other only order S. James R. Woods CIC - 9B CIC - 9B P.O. Box 100 P.O. Box 100 Pueblo, Co 81002 Pueblo, Co 81002 Phone: Call toll-free 1 (888) 8 PUEBLO, thats 1 (888) 878-3256, to place your credit card or GPO deposit account order M-F, 9am to 8pm ET. Priority handling is available on telephone orders; ask your operator for details. For faster service, have booklet item numbers, titles, and payment information ready. Internet: Visit us at www.pueblo.gsa.gov to see publications online and place an order for printed copies using our secure online ordering system Fax: Fax your credit card or GPO deposit account order to 719-948-9724. Just fill in the mailing label, order form, and payment information. 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Name _________________________________________________________ 9B Address ______________________________________________________ City, State, Zip ______________________________________________ Also send a free Catalog to: Name _________________________________________________________ 9B Address ______________________________________________________ City, State, Zip ______________________________________________ ________________________________________________________________________________ Order Form For Sales Booklets 9B 101F ___ $ 1.75 140F ___ $ 1.25 335F ___ $ .50 102F ___ $ 4.50 141F ___ $ 1.50 336F ___ $ .50 103F ___ $ 2.25 250F ___ $ 8.00 337F ___ $ .50 104F ___ $ 1.00 251F ___ $ 9.00 338F ___ $ .50 105F ___ $ 3.25 339F ___ $ .50 106F ___ $ 1.25 302F ___ $ .50 340F ___ $ .50 107F ___ $ 2.25 303F ___ $ .50 341F ___ $ .50 108F ___ $ 1.75 304F ___ $ .50 342F ___ $ .50 109F ___ $ 2.25 305F ___ $ .50 343F ___ $ .50 110F ___ $ 1.00 306F ___ $ .50 344F ___ $ .50 111F ___ $ 2.00 307F ___ $ .50 346F ___ $ .50 112F ___ $ 3.75 308F ___ $ .50 347F ___ $ .50 114F ___ $ 2.75 309F ___ $ .50 349F ___ $ .50 115F ___ $ 1.25 310F ___ $ .50 350F ___ $ .50 116F ___ $ 1.00 311F ___ $ .50 351F ___ $ .50 117F ___ $ 1.00 312F ___ $ .50 352F ___ $ .50 119F ___ $ 4.00 313F ___ $ .50 353F ___ $ .50 120F ___ $ 1.75 314F ___ $ .50 354F ___ $ .50 121F ___ $ 1.75 315F ___ $ .50 355F ___ $ .50 122F ___ $ 1.00 316F ___ $ .50 356F ___ $ .50 123F ___ $ 1.00 317F ___ $ .50 358F ___ $ .50 124F ___ $ 1.00 318F ___ $ .50 359F ___ $ .50 125F ___ $ 1.50 319F ___ $ .50 360F ___ $ .50 126F ___ $ 2.00 320F ___ $ .50 361F ___ $ .50 127F ___ $ 1.00 321F ___ $ .50 363F ___ $ .50 128F ___ $ 2.00 322F ___ $ .50 364F ___ $ .50 129F ___ $ 1.75 323F ___ $ .50 365F ___ $ .50 130F ___ $ 2.50 324F ___ $ .50 366F ___ $ .50 131F ___ $ 1.25 326F ___ $ .50 367F ___ $ .50 132F ___ $ 1.25 327F ___ $ .50 368F ___ $ .50 134F ___ $ 1.25 328F ___ $ .50 370F ___ $ .50 135F ___ $ 2.25 329F ___ $ .50 371F ___ $ .50 136F ___ $ 1.25 330F ___ $ .50 372F ___ $ .50 137F ___ $ 4.25 331F ___ $ .50 373F ___ $ .50 138F ___ $ 1.75 333F ___ $ .50 374F ___ $ .50 139F ___ $ 2.00 334F ___ $ .50 375F ___ $ .50 Total sales titles ordered ________ ................ 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You may order up to 25 different free booklets. 501F 523F 548F 573F 594F 502F 524F 551F 574F 595F 504F 525F 552F 575F 596F 505F 527F 553F 577F 597F 506F 528F 554F 578F 598F 508F 529F 555F 579F 600F 509F 530F 556F 580F 601F 510F 532F 557F 581F 602F 511F 533F 558F 582F 603F 512F 534F 559F 583F 604F 513F 537F 560F 584F 605F 514F 538F 562F 585F 606F 515F 539F 563F 586F 607F 516F 540F 564F 587F 608F 517F 542F 565F 588F 609F 518F 543F 566F 589F 610F 519F 544F 569F 590F 611F 520F 545F 570F 591F 521F 546F 571F 592F 522F 547F 572F 593F The total number of free booklets ordered is ______. Don't forget to include the $2.00 service fee. WHERE TO SEND YOUR ORDER If you order ONLY free booklets, If you order BOTH sales and free, mail your order to: or ONLY sales booklets, mail your order to: S. James CIC - 9B R. Woods P.O. Box 100 CIC - 9B Pueblo, CO 81002 P.O. Box 100 Pueblo, CO 81002 Also order booklets by calling toll-free 1 (888) 8 PUEBLO (1-888-878-3256), by fax 719-948-9724, or by Internet. Visit the Consumer Information Center web site at: www.pueblo.gsa.gov Search the site, view the full text and order printed copies of all the publications listed in this Catalog. You'll also find the text of many other valuable consumer publications, consumer news, links to other helpful web sites, and videos of our TV commercials!