Other Finance Related Services - The following directory listings on DebtConsolidationLoan.com are provided to assist you with the management or consolidation of your debt. Also, while on this site, feel free to shop for other financial services such as auto insurance and home equity loans.

• Need Personal Loan - Shopping for a personal loan online? Need to consolidate debt, but do not want to put up collateral (such as your home or car) as security? These loans are typically referred to as unsecured or signature loans, because only your signature may be required.
• Debt Consolidation Company - Learn more on how consolidating your credit card debts can work for you and potential pitfalls that you need to avoid. Also, review a list services that offer to help people lower their bills into fewer payments or even one payment.
• Settlement of Debt - Too much debt? List of companies providing this alternative to bankruptcy that provides for debt negotiation and arbitration services for those that need to eliminate debt.

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

Misconceptions: A Top 10 List

Misconception Number 10: An account for a deceased person's estate is insured up to $100,000 for each person who will inherit money from the estate.

Many people hear about the FDIC having per-beneficiary coverage for trust accounts and automatically assume that a deceased person's estate account will be protected by the FDIC for up to $100,000 per heir. But that is only the case for deposits in revocable trust accounts with qualifying beneficiaries (as well as certain irrevocable trust accounts, which we haven't addressed here). Under the FDIC's rules, an estate account is insured along with any individually owned account of the deceased person (any checking accounts or CDs the person owned by himself or herself, and not including IRAs) and the grand total would be insured to $100,000.

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 the correct 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 / educational financial resources for consumers shopping for many types of services related to the management of your money, such as consolidating credit card debts, fraud alerts and car 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 resource library for more information.

• Cell Phone Banking - New cell phones are constantly evolving and becoming more sophisticated. This includes adding the capability of handling online banking through your phone. This FDIC article discusses some of the possibilities and precautions you should take when using your phone for banking purposes.
• How to Protect Yourself with FDIC Insurance - Read up on what qualifications are necessary and how to determine if your deposits are covered by FDIC insurance.
• Direct Deposit Safer than Checks? - The US Treasury Department reports that a majority of surveyed consumers mistakenly believe that paper checks are safer than direct deposit.
• Consider the Fees! - Learn what to look for and examine the details of each banking account offer for possible fees, such as: inactivity, minimum balance and ATM withdrawal fees.

DebtConsolidationLoan.com is a service of Infinamic, Inc. All debt consolidation and financial services information is deemed reliable, but not guaranteed. Infinamic, Inc. is not responsible for the content and services, that may be provided to you, by following the links from this web site. Use this service at your own discretion.