Related Consumer Finance Programs - The following sub-directories of companies offer a wide variety of financial programs to assist you with the management of your finances. Consolidate debt with a consolidation loan or use a debt counseling service or mortgage refinance for help with the consolidation of your charge card debt and other monthly payments.

• Debt Settlement Company - If you have a large amount credit cards and other unsecured debts, and have fallen behind your payments, this form of debt negotiation may be the right option for helping you with your financial problems.
• Credit and Debt Management - Do you feel that your credit card bills are stacking up with nowhere for you to turn? Your problem is not unique. Signing up with debt management firm may be the right solution to your debt problems. Review different firms offering these services to determine if this is the correct option for you.
• Debt Consolidation Services - Too many credit card debts and other bills to make monthly payments on? Review this directory for useful personal finance information and to compare a list of debt consolidation providers of loans and other related debt help services.

FDIC Insurance: Do You Know As Much As You Think You Know?

FDIC Insurance: What's New, What's Not

What's New: As reported in the April 2006 FDIC Consumer News Special Bulletin, FDIC insurance for certain retirement deposits has increased to $250,000 from $100,000 previously. The higher coverage, the result of a new law, applies to the combined total that a consumer has at any one banking institution in Individual Retirement Accounts (both traditional and Roth IRAs), self-directed Keogh accounts, "457 Plan" accounts for state government employees, and employer-sponsored "defined contribution plan" accounts that are self-directed, which are primarily 401(k) accounts. In general, self-directed means that the consumer chooses how and where the money is deposited.

What's Not: The basic insurance coverage for other deposit accounts remains at $100,000 per depositor. However, as before, there are ways to qualify for more than the basic coverage.

To learn more, see the Special Bulletin online at www.fdic.gov/consumernews or consult the FDIC.

FDIC Consumer News is published by the Federal Deposit Insurance Corporation

FDIC Consumer News is produced quarterly by the FDIC Office of Public Affairs in cooperation with other Divisions and Offices. It is intended to present information in a nontechnical way and is not intended to be a legal interpretation of FDIC or other government regulations and policies. Mention of a product, service or company does not constitute an endorsement.

Find current and past issues of FDIC Consumer News at http://www.fdic.gov/consumernews. Refer to this same index to locate the issues that are specially formatted for being reprinted in any quantity.

To receive an e-mail notice about each new issue of FDIC Consumer News posted on the FDIC Web site, with links to stories, follow instructions posted at www.fdic.gov/about/subscriptions/index.html.

Last updated on 5/09/2006

Make better decisions when shopping for banking, debt consolidation and related financial services. Educate yourself!

The Debt Consolidation Loan Directory has a growing library of free informative and educational financial resources for consumers shopping for many types of financial services related to the management of your finances, such as the consolidation of credit card debt, fraud alerts and life insurance. There is no better way to make decisions regarding the management of your personal finances than to read and understand how they work. Please feel free to visit our consumer information library to learn more.

• Do You Know the Warning Signs of Too Much Debt? - Take control of your spending as soon as you recognize any of the warning signs cited by this article provided by CitiFinancial.
• What Do Banks Do? - A bank is a private, for-profit business that offers a variety of financial services to the public.
• Learning about Bank CDs (Certificates of Deposit) - Learn about the different types of bank CDs and how to choose the type that is right for you.
• Pros and Cons of Internet Banking - Review some of the positive and negative aspects of Internet online banking.

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