by Geoffrey C. Gradler and Kurt E. Schrammel
(Geoffrey C. Gradler and Kurt E. Schrammel are economists in the Office of Employment Projections, BLS. )

JOBS FOR TOMORROW

GUIDE TO GETTING A GOVERNMENT JOB

GUIDE TO BUYING USED FEDERAL PERSONAL PROPERTY

Do you want to buy Government property? If you do, you need to talk to us. We're the U.S. General Services Administration (GSA), and we sell used personal property for nonmilitary Federal agencies.

SMALL BUSINESS HANDBOOK: LAWS, REGULATIONS AND TECHNICAL ASSISTANCE SERVICES

THE INSIDE STORY: A GUIDE TO INDOOR AIR QUALITY

• Air Pollution Sources in the Home
• Introduction
• Indoor Air Quality in Your Home
• What If You Live in an Apartment?
• Improving the Air Quality in Your Home
• A Look at Source-Specific Controls
• Radon
• Environmental Tobacco Smoke
• Biological Contaminants
• Stoves, Heaters, Fireplaces, and Chimneys
• Household Products
• Formaldehyde
• Pesticides
• Asbestos
• Lead
• Reference Guide to Major Indoor Air Pollutants in the Home
• When Building a New Home
• Do You Suspect Your Office Has an Indoor Air Problem?
• Where to Go for Additional Information
• Glossary

1. Contents
2. Introduction
3. What Do We Mean By Responsibility?
4. How Can Parents Encourage Responsible Behavior?
5. Activities
6. Getting to Know Others
7. Magic Words, Caring Deeds
8. Gifts From the Heart
9. Honesty, the Best Policy
10. There's a Monster in My Room!
11. Bully
12. Helping Out
13. A Job Well Done
14. Our Heroes!
15. OOPS!
16. Will You Be My Friend?
17. Share a Story
18. Parents and the Schools
19. Bibliography
20. Acknowledgments

1. Table of Contents
2. Cost of Owning and Operating Automobiles, Vans, and Trucks
3. Introduction
4. Vehicles Used in this Study
5. Types of Costs
6. Adjustment of Costs to Other Vehicles and Localities
7. Applications for Study Data
8. Opportunities for Cost Saving

Tables

Vehicle and Estimating Bases

Subcompact 1991 Model Automobiles

Compact 1991 Model Automobiles

Intermediate 1991 Model Automobiles

Full-sized 1991 Model Automobiles

Compact 1991 Model Pickups

Full-sized 1991 Model Pickups

1991 Model Minivans

Full-sized 1991 Model Vans

Cost Per Thousand Dollars For Various Financing Plans

Gasoline Cost Per Mile At Various Gasoline Prices

Worksheet to Convert Costs to a Specific Vehicle and Locality

1. Contents
2. INTRODUCTION
3. THE COST OF CREDIT
4. Shopping Is the First Step
5. What Laws Apply?
6. The Finance Charge and Annual Percentage Rate 12APR)
7. A Comparison
8. Cost of Open-end Credit
9. Leasing Costs and Terms
10. Open-end Leases and Balloon Payments
11. Costs of Settlement on a House
12. APPLYING FOR CREDIT
13. Discrimination
14. What Law Applies?
15. What Creditors Look For
16. Information the Creditor Can't Use
17. Special Rules
18. Discrimination Against Women
19. If You're Turned Down
20. CREDIT HISTORIES AND RECORDS
21. Building Up a Good Record
22. What Laws Apply?
23. Credit Histories for Women
24. Keeping Up Credit Records
25. OTHER ASPECTS OF USING CREDIT
26. What Laws Apply?
27. Billing Errors
28. Defective Goods or Services
29. Prompt Credit for Payments and Refunds for Credit Balances
30. Cancelling a Mortgage
31. Lost or Stolen Credit Cards
32. Unsolicited Cards
33. ELECTRONIC FUND TRANSFERS
34. Instant Money
35. EFT in Operation
36. What Law Applies?
37. What Record Will I Have of My Transactions?
38. How Easily Will I Be Able to Correct Errors?
39. What About Loss or Theft?
40. What About Solicitations?
41. Do I Have to Use EFT?
42. Special Questions About Preauthorized Plans
43. COMPLAINING ABOUT CREDIT
44. Complaining to Federal Enforcement Agencies
45. Penalties Under the Laws
46. GLOSSARY
47. SUBJECT INDEX
48. DIRECTORY OF FEDERAL AGENCIES
49. FEDERAL RESERVE BANKS
50. OTHER CONSUMER PAMPHLETS AVAILABLE

1. Table of Contents
2. Acknowledgments
3. Using this Handbook
4. What's in the Handbook
5. Other Sources of Help
6. Other Consumer Information
7. Part I. Buying Smart 5
8. Protecting Yourself 5
9. Red Flags of Fraud 6
10. Complaining Effectively 6
11. Writing a Complaint Letter 7
12. Sample Complaint Letter 8
13. Consumer Tips 9
14. Car Repair, Purchase, Renting and Other Concerns 9
15. Mail Order 12
16. Mail Fraud 13
17. Telemarketing 13
18. Calls That Cost: 900 Numbers and Other Pay-Per-Call Services 14
19. Door-to-Door Sales 15
20. Home Improvement 16
21. Home Financing 17
22. Selecting a Financial Institution 18
23. Credit 19
24. Consumer Privacy 22
25. Advance Fee Scams 23
26. Special Contracts 23
27. Travel Scams 25
28. Rent-To-Own 25
29. Product Safety and Recalls 26
30. Nutrition Labeling 27

1. Part II. Consumer Assistance Directory 29
2. Corporate Consumer Contacts 29
3. National Consumer Organizations 56
4. Car Manufacturers 59
5. Better Business Bureaus 63
6. Trade Association and Other Dispute Resolution Programs 67 State,
7. County and City Government Consumer Protection Offices 70 State
8. Agencies on Aging 83
9. State Banking Authorities 87
10. State Insurance Regulators 89
11. State Securities Administrators 91
12. State Utility Commissions 93
13. State Vocational and Rehabilitation Agencies 95
14. State Weights and Measures Offices 99
15. Military Commissary and Exchange Offices 102
16. Federal Information Center 104
17. Selected Federal Agencies 105
18. Federal TDD Directory 111
19. Index 116

Produced by the Clearinghouse on Disability Information, Office of Special Education and Rehabilitative Services, U. S. Dept. of Education, Room 3132 Switzer Bldg, Washington, D.C. 20202-2524.

A CONSUMER GUIDE TO AIR TRAVEL

YOUR HOME FIRE SAFETY CHECKLIST

FLY SMART

MAKE YOUR SAFE TRIP EVEN SAFER

FOREIGN ENTRY REQUIREMENTS

THE GED TESTS

GLOVE BOX TIPS FROM TED THE TECHNICIAN: HOW TO COMMUNICATE FOR BETTER AUTOMOTIVE SERVICE

CONSUMER HANDBOOK

ON ADJUSTABLE RATE MORTGAGES

PREPARING YOUR CHILD FOR COLLEGE: A RESOURCE BOOK FOR PARENTS

STAYING INDEPENDENT: PLANNING FOR FINANCIAL INDEPENDENCE IN LATER LIFE

FACTS FOR CONSUMERS ABOUT INVENTION PROMOTION FIRMS

WHAT YOU SHOULD KNOW ABOUT BUYING LIFE INSURANCE

FINDING AND PURCHASING PUBLIC LANDS

HEALTHY LAWN, HEALTHY ENVIRONMENT

LOST OR STOLEN: CREDIT AND ATM CARDS

THE MEDICARE HANDBOOK

GUIDE TO HEALTH INSURANCE FOR PEOPLE WITH MEDICARE

INVEST WISELY: AN INTRODUCTION TO MUTUAL FUNDS

NATURALIZATION REQUIREMENTS AND GENERAL INFORMATION

NEW CAR BUYING GUIDE

GENERAL INFORMATION CONCERNING PATENTS

HOW TO BUY SURPLUS PERSONAL PROPERTY FROM THE U.S. DEPT. OF DEFENSE REUTILIZATION AND MARKETING SERVICE

CITIZEN'S GUIDE TO PESTICIDES AND TOXIC SUBSTANCES

EMERGENCY PREPAREDNESS CHECKLIST

COPING WITH DISASTERS: TORNADOS, FLASH-FLOODS, WINTER STORMS, HURRICANES, FIRE, HAZARDOUS MATERIALS SPILLS

SOLVING CREDIT PROBLEMS

READ IT BEFORE YOU EAT IT!

1995 U.S. REAL PROPERTY SALES LIST ( THE U.S. REAL PROPERTY SALES LIST IS PUBLISHED BY THE FEDERAL PROPERTY RESOURCES SERVICE (FPRS) OF THE U.S. GENERAL SERVICES ADMINISTRATION (GSA).

CREATING RESUMES AND COVER LETTERS THAT WORK FOR YOU

YOUR GUIDE TO SOCIAL SECURITY BENEFITs

SWINDLERS ARE CALLING: 8 THINGS YOU SHOULD KNOW ABOUT TELEMARKETING FRAUD

INVESTMENT SWINDLES: HOW THEY WORK AND HOW TO AVOID THEM

SCHOOLS WITHOUT DRUGS: A PLAN FOR US ALL

TIMELESS CLASSICS: A READER'S GUIDE

GUIDE TO OBTAINING VITAL RECORDS: BIRTHS, DEATHS, MARRIAGES, AND DIVORCES

GUIDE TO TRADEMARKS

FEDERAL BENEFITS FOR VETERANS AND DEPENDENTS

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Enter your email address in the field below,
And hit the order button.