Where US Consumers Can Turn Now

The failure of the bailout bill to clear the House has American consumers checking their retirement accounts, their wallets, and even their mattresses as they grapple with the implications of the worsening financial situation. With falling oil prices seemingly the only silver lining for the average consumer, MSNBC offers some advice.

• Make sure investments eligible for FDIC protection actually have that protection.

• Make sure your brokerage company belongs to the SIPC.
• The larger the firm, the safer your money-market fund.
• Don't depend on getting a mortgage, a car loan, or even a new credit card.

If none of that sets your mind at ease, you may find some consolation in the words of Wall Street Journal "Institutional Investor" columnist Jason Zweig: "It will not last indefinitely. It never does." (More bailout stories.)