Fight Back: 81 Ways to Help You Save Money and Protect Yourself from Corporate Trickery

Front Cover
John Wiley & Sons, Jan 4, 2013 - Business & Economics - 304 pages
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.

 

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Contents

Introduction
xiii
Look Beyond the Big Banks for Higher Savings Rates
11
How to Trim the Banks Service Charges
18
Challenge Bank Fees for RRSPs and Other Registered Plans
24
Find the Best Credit Cards for Rewards and Benefits
30
Watch Out for Credit Card Balance Transfers
38
Beware of Penalties when You Break a Closed Mortgage
45
Early by Paul Brick
52
How We Helped a Household Slash Its Telecom Costs by Heather Morgan and Mike Weatherbee
144
How to Make Effective Telecommunications Complaints by John Lawford
147
How to Fight Back Against Big Telecom by Lindsey Pinto
152
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
How to Fight Back when a Cruise Line Loses Your Luggage
166
How to Complain to the Canadian Transportation Agency
170

by Matt Goulart
58
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 by Ross Taylor
74
How to Fight Back when Your Credit History Is a Mess by Ross Taylor
77
How to Make Sure Your Credit History Stays Healthy by Ross Taylor
80
How to Fight Back Against Bad Financial Advice
82
How to Make Sure You Have the Right Investments by Douglas Melville
85
How to Fight for Your Rights as an Investor by Anthony Pichelli
88
How to Recover Losses on Unsuitable Investments by Ken Kivenko
90
How to Fight Back Against the Canada Revenue Agency
93
How to Avoid Getting Penalized on Your TaxFree Savings Account
96
How to Fight Back by Using the Taxpayer Bill of Rights by J Paul Dubé
99
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 10000 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 by Kim Walker
140
How to Cut Your Telecom Costs by Heather Morgan and Mike Weatherbee
142
How to Enforce Your Airline Flight Rights
173
52
176
What to Do with Your Prescription Drugs when You Travel
179
How to Avoid Getting in Trouble when Booking Hotels Online
181
55
184
How to Avoid Paying Medical Bills when Crossing the Border
186
How to Choose Trip Cancellation and Trip Interruption Insurance
189
58
192
How to Avoid Losing the Travel Reward Points You Collected
194
60
198
FIGHTING BACK AGAINST POOR RETAIL SERVICE
201
How to Fight Back when a Store Refuses to Give a Refund
205
How to Get Your Money Back when You Pay with Your Credit Card
209
How to Return a Purchase That You Make Online
213
How to Avoid Getting into Trouble with Online Purchases
216
How to Fight Back Against Online Fraud by David Malamed
218
How to Fight Back when You Find a Pricing Error
220
How to Avoid Losing Money on a Gym Membership
226
PROTECTING YOUR BIGDOLLAR
233
How to Fight Back Against Car Leasing Charges
241
How to Fight Back in a Phony Real Estate Bidding
248
USING YOUR COMMUNICATION
257
How to Create a Circle of Eyes on a Company You Want
263
How to Use Twitter to Put Pressure on a Business
270
Index
281
Copyright

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About the author (2013)

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).

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