Contents: Part I -- Be a Savvy Consumer: Buyer Beware; Banking; Cars; Credit; Financing Your Educ.; Employ.; Food and Nutrition; Going Green; Health Care; Housing; Insur.; Internet; Investing; Phones; Privacy Protection and Identity Theft; Smart Home Shopping; Telemarketing and Unwanted Mail; Travel; TV; Utilities; Wills and Funerals; Part II -- Filing a Complaint: Contact the Seller; Contact Third Parties; Dispute Resolution Programs; Small Claims Court; Legal Help and Info.; Report Fraud and Safety Hazard; Sample Complaint Letter: Part III -- Key Info. Resources: Emergency Preparedness; For Teachers; For Persons with Disabilities; For Military Personnel; Part IV -- Consumer Assistance Directory. Illus. A print on demand pub.