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Money-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. This book of "personal finance greatest hits" is filled with illustrative examples and cautionary advice from Roseman and stories from her faithful readers. Filled with a wealth of information, the book includes the low-down on dealing with banks and car dealers, cutting costs of communication services, improving your credit, buying and renovating a home, fighting online fraud, ensuring you have the right insurance, and more.
Offers an easy-to-use guide for being smart with your money
Includes how to advice on handling the most common financial pitfalls
Contains the best advice from Ellen Roseman's columns and blogs
Written by Canada's most popular and savvy consumer advocate
Don't spend another dollar until you read Ellen Roseman's best-ever tips for saving money and making wise financial decisions.
Auteur
Ellen Roseman is a journalist who sticks up for ordinary Canadians. As a long-time ad- vocate for consumer rights, she's become a brand name for activism and a champion at helping consumers fight back against injustices. Her columns appear three times a week in the Toronto Star and her popular blog, EllenRoseman.com, has been online since 2007. She's the author of seven books, including Money 101: Every Canadian's Guide to Personal Finance and Money 201: More Personal Finance Advice for Every Canadian. She teaches investing and personal finance at the University of Toronto's continuing studies department and Ryerson University's Chang School, and is on the board of FAIR (Canadian Foundation for Advancement of Investor Rights) and Community Legal Education Ontario (CLEO).
Résumé
Money-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. This book of "personal finance greatest hits" is filled with illustrative examples and cautionary advice from Roseman and stories from her faithful readers. Filled with a wealth of information, the book includes the low-down on dealing with banks and car dealers, cutting costs of communication services, improving your credit, buying and renovating a home, fighting online fraud, ensuring you have the right insurance, and more.
Contenu
Foreword **xi
by Dave Chilton
Introduction xiii
Part 1: Outsmarting the Banks 1
Get a Higher Interest Rate on Your Savings 5
How to Fight Back when a Bank Cuts the Interest on Your Savings 8
Look Beyond the Big Banks for Higher Savings Rates 11
How to Get Higher Savings Rates without Getting Burned 15
How to Trim the Bank's Service Charges 18
How to Fight Back when You Miss a Discount You Deserve 21
Challenge Bank Fees for RRSPs and Other Registered Plans 24
Watch Out for Foreign Exchange Conversion Fees 27
Find the Best Credit Cards for Rewards and Benefits 30
Find the Best Credit Card if You Carry a Balance 35
Watch Out for Credit Card Balance Transfers 38
Watch Out for Expensive Credit Card Insurance 41
Beware of Penalties when You Break a Closed Mortgage 45
How a Customer Fought Back Against a Bank's Mortgage Penalty 49
How to Avoid Interest Penalties when Paying Off Your Mortgage Early 52
by Paul Brick
Why It Pays to Know Your Rights 55
by Ursula Menke
How to Outsmart the Banks at Their Own Game 58
by Matt Goulart
How to Get the Best Service from a Bank 60
by Douglas Melville
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
How to Check on Your Credit Report and Credit Score 71
How to Correct Errors on Your Credit Report 74
by Ross Taylor
How to Fight Back when Your Credit History is a Mess 77
by Ross Taylor
How to Make Sure Your Credit History Stays Healthy 80
by Ross Taylor
How to Fight Back Against Bad Financial Advice 82
How to Make Sure You Have the Right Investments 85
by Douglas Melville
How to Fight for Your Rights as an Investor 88
by Anthony Pichelli
How to Recover Losses on Unsuitable Investments 90
by Ken Kivenko
How to Fight Back Against the Canada Revenue Agency 93
How to Avoid Getting Penalized on Your Tax-Free Savings Account 96
How to Fight Back by Using the Taxpayer Bill of Rights 99
by J. Paul Dubé
Part 3: Taming Your Telecom Costs 103
How to Negotiate for Better Rates with a Telecom Supplier 105
How to Cut the Cost of Your Home Phone Service 108
How to Save Money on Your Internet Service 112
How to Cut the Cost of Your Cable TV Service 116
How to Save Money on Your Telecom Bills and Get Better Service by Bob Lepp 120
How to Buy a Wireless Phone without a Contract 123
How a Customer Fought Back Against Cancellation Fees 127
How to Save Money with a Prepaid Wireless Plan 130
Avoid Data Roaming Charges when You Travel 133
How a Bell Customer Fought a $10,000 Bill for Data Roaming 135
Watch Out for Premium Text Messages on Your Wireless Phone 137
How to Get the Best Value for Your Telecom Dollars 140
by Kim Walker
How to Cut Your Telecom Costs 142
by Heather Morgan and Mike Weatherbee
How We Helped a Household Slash Its Telecom Costs 144
by Heather Morgan and Mike Weatherbee
How to Make Effective Telecommunications Complaints 147
by John Lawford
How to Fight Back Against Big Telecom 152
by Lindsey Pinto
Part 4: Stretching Your Travel Dollars 155
How to Fight Back when an Airline Damages Your Luggage 159
How to Fight Airline Rules That Do Not Make Sense 163