This monthly newsletter is provided to Texas and Oklahoma newspapers to help educate their readers on issues of interest to the public. We encourage our members to copy these tips off the IBAT web site and make them available to their customers. Keep informed with Consumer Tips.
	Date(s)	Title
	7/7/2008	What is a HELOC and Do You Need One?
	6/9/2008	Improving Your Credit Score
	5/2/2008	Are Extra Mortgage Payments an Option?
	3/30/2008	Understanding Your Checking Account
	3/17/2008	What's Your Financial Vocabulary IQ?
	12/12/2007	What the Subprime Lending Crisis Means to You
	11/13/2007	Identity Theft is Still a Booming Business
	10/4/2007	How To Keep Financially Afloat When Disaster Strikes
	9/4/2007	Have You Reviewed Your Budget Lately?
	8/2/2007	Retirement -- Are You Prepared?
	7/2/2007	I'm Still Young. Why Worry About Retirement?
	6/1/2007	Is It Time For A Financial Makeover?
	5/1/2007	Online Bill Pay Will Keep You On Time
	4/1/2007	Celebrate Financial Literacy Month
	3/1/2007	Play it Safe in Your ATM Transactions
	2/1/2007	A Free Loan Is Never Free
	11/3/2006	Tips to Keep Your Holiday Merry
	10/5/2006	Start Planning Now for April 15
	9/8/2006	After You're Gone...Then What?
	8/1/2006	Are You Getting The Most From Your Bank?
	7/1/2006	What's In The Box?
	6/1/2006	Can You Afford Retirement?
	5/4/2006	Navigating the College Financial Maze
	4/1/2006	It's Time To Spring Clean Your Financial Records
	3/1/2006	Take a Look Inside Your Wallet. See Anything New?
	2/1/2006	That Credit Card(s) Is Going To Cost You More
	11/1/2005	Which Checking Account Is Right For You?
	10/1/2005	The Oldest Scam Hooks More Victims
	9/1/2005	Are There Spies In Your Computer?
	8/1/2005	The Scam is in the E-Mail
	7/1/2005	Talk To Your Children About Money Sense
	6/2/2005	Understanding Your Credit Score
	5/5/2005	Keeping Your Family Safe in the Cyberspace Age
	4/1/2005	It's All In The Cards
	3/3/2005	(Ph)ishing Is Not What It Used To Be
	2/3/2005	Lower Medical Costs With A Health Savings Plan
	11/2/2004	Do You Know What is in Your Wallet?
	10/1/2004	Direct Deposit
	9/8/2004	Oklahoma - Beware of Promises to Erase Bad Credit
	9/8/2004	Texas - Beware of Promises to Erase Bad Credit
	8/3/2004	Check 21: Floating checks
	7/2/2004	TX - Use Precautions with ATMs
	7/2/2004	OK - Use Precaution with ATMs
	6/1/2004	What Do You Do When Your Bank Goes Away?
	5/3/2004	Repossession
	4/1/2004	Electronic Check Conversion
	3/16/2004	Are CDs a good investment for you?
	2/6/2004	The bills are piling up. Where do you turn?
	11/4/2003	Make Your Holiday Shopping Stress Free
	10/1/2003	Credit or Debit? Know the difference
	9/1/2003	Is A Reverse Mortgage Right For You?
	8/1/2003	Is your teen a wise money manager?
	7/1/2003	Make sure you understand your consumer credit options
	6/1/2003	Keeping afloat during a financial storm
	5/1/2003	Tips to save you money
	4/1/2003	Beware of home improvement scams
	3/1/2003	Understanding overdraft protection
	2/1/2003	Guard against the latest scams

Provided As A Public Service By The Independent Bankers Association of Texas and the Main Street Foundation

To e-mail Mae Beth Palone: mbpalone@ibat.org

This publication is designed to provide accurate and authoritative information in regard to the subject matter covered. It is provided with the understanding that the publisher is not engaged in the rendering of legal, accounting or other professional service or advice for specific companies or financial institutions. If legal advice or other expert assistance is required, the services of a competent professional person should be sought - from a Declaration of Principals adopted by the American Bar Association and a Committee of Publishers and Associations.

Copyright: Independent Bankers Association of Texas, 1700 Rio Grande Street, Suite 100, Austin, Texas 78701. 2003. Phone 512/474-6889; fax 512/322.9004. All rights reserved.