Description
Book SynopsisMoney-saving advice from Canada's leading consumer advocate In this book Ellen Roseman distills the financial advice she gives in her columns and blogs into 81 quick tips that all Canadians can use to help them spend sensibly, save money, and avoid costly consumer traps.
Table of ContentsForeword xi
by Dave Chilton
Introduction xiii
Part 1: Outsmarting the Banks 1
1. Get a Higher Interest Rate on Your Savings 5
2. How to Fight Back when a Bank Cuts the Interest on Your Savings 8
3. Look Beyond the Big Banks for Higher Savings Rates 11
4. How to Get Higher Savings Rates without Getting Burned 15
5. How to Trim the Bank’s Service Charges 18
6. How to Fight Back when You Miss a Discount You Deserve 21
7. Challenge Bank Fees for RRSPs and Other Registered Plans 24
8. Watch Out for Foreign Exchange Conversion Fees 27
9. Find the Best Credit Cards for Rewards and Benefits 30
10. Find the Best Credit Card if You Carry a Balance 35
11. Watch Out for Credit Card Balance Transfers 38
12. Watch Out for Expensive Credit Card Insurance 41
13. Beware of Penalties when You Break a Closed Mortgage 45
14. How a Customer Fought Back Against a Bank’s Mortgage Penalty 49
15. How to Avoid Interest Penalties when Paying Off Your Mortgage Early 52
by Paul Brick
16. Why It Pays to Know Your Rights 55
by Ursula Menke
17. How to Outsmart the Banks at Their Own Game 58
by Matt Goulart
18. How to Get the Best Service from a Bank 60
by Douglas Melville
19. How to Get the Best Service from a Bank if You Own a Business 63
by Douglas Melville
Part 2: Keeping Your Finances on Track 67
20. How to Check on Your Credit Report and Credit Score 71
21. How to Correct Errors on Your Credit Report 74
by Ross Taylor
22. How to Fight Back when Your Credit History is a Mess 77
by Ross Taylor
23. How to Make Sure Your Credit History Stays Healthy 80
by Ross Taylor
24. How to Fight Back Against Bad Financial Advice 82
25. How to Make Sure You Have the Right Investments 85
by Douglas Melville
26. How to Fight for Your Rights as an Investor 88
by Anthony Pichelli
27. How to Recover Losses on Unsuitable Investments 90
by Ken Kivenko
28. How to Fight Back Against the Canada Revenue Agency 93
29. How to Avoid Getting Penalized on Your Tax-Free Savings Account 96
30. How to Fight Back by Using the Taxpayer Bill of Rights 99
by J. Paul Dubé
Part 3: Taming Your Telecom Costs 103
31. How to Negotiate for Better Rates with a Telecom Supplier 105
32. How to Cut the Cost of Your Home Phone Service 108
33. How to Save Money on Your Internet Service 112
34. How to Cut the Cost of Your Cable TV Service 116
35. How to Save Money on Your Telecom Bills and Get Better Service by Bob Lepp 120
36. How to Buy a Wireless Phone without a Contract 123
37. How a Customer Fought Back Against Cancellation Fees 127
38. How to Save Money with a Prepaid Wireless Plan 130
39. Avoid Data Roaming Charges when You Travel 133
40. How a Bell Customer Fought a $10,000 Bill for Data Roaming 135
41. Watch Out for Premium Text Messages on Your Wireless Phone 137
42. How to Get the Best Value for Your Telecom Dollars 140
by Kim Walker
43. How to Cut Your Telecom Costs 142
by Heather Morgan and Mike Weatherbee
44. How We Helped a Household Slash Its Telecom Costs 144
by Heather Morgan and Mike Weatherbee
45. How to Make Effective Telecommunications Complaints 147
by John Lawford
46. How to Fight Back Against Big Telecom 152
by Lindsey Pinto
Part 4: Stretching Your Travel Dollars 155
47. How to Fight Back when an Airline Damages Your Luggage 159
48. How to Fight Airline Rules That Do Not Make Sense 163
49. How to Fight Back when a Cruise Line Loses Your Luggage 166
50. How to Complain to the Canadian Transportation Agency 170
51. How to Enforce Your Airline Flight Rights 173
52. How to Cross the Border with Your Travel Documents in Order 176
53. What to Do with Your Prescription Drugs when You Travel 179
54. How to Avoid Getting in Trouble when Booking Hotels Online 181
55. How to Avoid Being Denied a Refund on Unused Hotel Rooms 184
56. How to Avoid Paying Medical Bills when Crossing the Border 186
57. How to Choose Trip Cancellation and Trip Interruption Insurance 189
58. How to Fight Back when Your Trip Cancellation Claim is Denied 192
59. How to Avoid Losing the Travel Reward Points You Collected 194
60. How to Fight Back Against a Car Rental Company’s Damage Claim 198
Part 5: Fighting Back Against Poor Retail Service 201
61. How to Fight Back when a Store Refuses to Give a Refund 205
62. How to Get Your Money Back when You Pay with Your Credit Card 209
63. How to Return a Purchase That You Make Online 213
64. How to Avoid Getting into Trouble with Online Purchases 216
65. How to Fight Back Against Online Fraud 218
by David Malamed
66. How to Fight Back when You Find a Pricing Error 220
67. How to Fight Back Against Automatic Renewals 223
68. How to Avoid Losing Money on a Gym Membership 226
by Nicholas Ross
69. How to Decide on Getting an Extended Warranty 229
Part 6: Protecting Your Big-Dollar Purchases of Cars and Houses 233
70. How to Fight Back when Your Car Does Not Work Properly 237
by Stephen Moody
71. How to Fight Back Against Car Leasing Charges 241
by Neil Rau
72. How Not to Get Stung when Buying a Newly Built Home 245
by Dr. Karen Somerville
73. How to Fight Back in a Phony Real Estate Bidding War 248
by Mark Weisleder
74. How to Resolve Issues with Your Energy Utility 250
by Paul Green
75. How to Fight Back Against Rogue Movers 253
Part 7: Using Your Communication Skills and The Courts 257
76. How to Write the Perfect Complaint Letter 261
by Christopher Elliott
77. How to Create a Circle of Eyes on a Company You Want to Fight 263
by Franke James
78. How to Be Patient, Persistent and Prepared 267
by Ted Whipp
79. How to Use Twitter to Put Pressure on a Business 270
by Scott A.E. Smith
80. How to Deal with a Lawyer if You Have a Consumer Problem 272
by Orie H. Niedzviecki
81. How to Fight Back in Small Claims Court 275
Index 281
