{"product_id":"fight-back-isbn-9781118300886","title":"Fight Back","description":"\u003cb\u003eMoney-saving advice from Canada's leading consumer advocate\u003c\/b\u003e \u003cp\u003eIn 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.\u003c\/p\u003e \u003cul\u003e \u003cli\u003eOffers an easy-to-use guide for being smart with your money\u003c\/li\u003e \u003cli\u003eIncludes how to advice on handling the most common financial pitfalls\u003c\/li\u003e \u003cli\u003eContains the best advice from Ellen Roseman's columns and blogs\u003c\/li\u003e \u003cli\u003eWritten by Canada's most popular and savvy consumer advocate\u003c\/li\u003e \u003c\/ul\u003e \u003cp\u003eDon't spend another dollar until you read Ellen Roseman's best-ever tips for saving money and making wise financial decisions.\u003c\/p\u003e \u003cp\u003eForeword\u003ci\u003e \u003c\/i\u003exi\u003cbr\u003e\u003ci\u003eby Dave Chilton\u003c\/i\u003e\u003c\/p\u003e \u003cp\u003eIntroduction xiii\u003c\/p\u003e \u003cp\u003e\u003cb\u003ePart 1: Outsmarting the Banks 1\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003e1. Get a Higher Interest Rate on Your Savings 5\u003c\/p\u003e \u003cp\u003e2. How to Fight Back when a Bank Cuts the Interest on Your Savings 8\u003c\/p\u003e \u003cp\u003e3. Look Beyond the Big Banks for Higher Savings Rates 11\u003c\/p\u003e \u003cp\u003e4. How to Get Higher Savings Rates without Getting Burned 15\u003c\/p\u003e \u003cp\u003e5. How to Trim the Bank’s Service Charges 18\u003c\/p\u003e \u003cp\u003e6. How to Fight Back when You Miss a Discount You Deserve 21\u003c\/p\u003e \u003cp\u003e7. Challenge Bank Fees for RRSPs and Other Registered Plans 24\u003c\/p\u003e \u003cp\u003e8. Watch Out for Foreign Exchange Conversion Fees 27\u003c\/p\u003e \u003cp\u003e9. Find the Best Credit Cards for Rewards and Benefits 30\u003c\/p\u003e \u003cp\u003e10. Find the Best Credit Card if You Carry a Balance 35\u003c\/p\u003e \u003cp\u003e11. Watch Out for Credit Card Balance Transfers 38\u003c\/p\u003e \u003cp\u003e12. Watch Out for Expensive Credit Card Insurance 41\u003c\/p\u003e \u003cp\u003e13. Beware of Penalties when You Break a Closed Mortgage 45\u003c\/p\u003e \u003cp\u003e14. How a Customer Fought Back Against a Bank’s Mortgage Penalty 49\u003c\/p\u003e \u003cp\u003e15. How to Avoid Interest Penalties when Paying Off Your Mortgage Early 52\u003cbr\u003e\u003ci\u003eby Paul Brick\u003c\/i\u003e\u003c\/p\u003e \u003cp\u003e16. Why It Pays to Know Your Rights 55\u003cbr\u003e\u003ci\u003eby Ursula Menke\u003c\/i\u003e\u003c\/p\u003e \u003cp\u003e17. How to Outsmart the Banks at Their Own Game 58\u003cbr\u003e\u003ci\u003eby Matt Goulart\u003c\/i\u003e\u003c\/p\u003e \u003cp\u003e18. How to Get the Best Service from a Bank 60\u003cbr\u003e\u003ci\u003eby Douglas Melville\u003c\/i\u003e\u003c\/p\u003e \u003cp\u003e19. How to Get the Best Service from a Bank if You Own a Business 63\u003cbr\u003e\u003ci\u003eby Douglas Melville\u003c\/i\u003e\u003c\/p\u003e \u003cp\u003e\u003cb\u003ePart 2: Keeping Your Finances on Track 67\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003e20. How to Check on Your Credit Report and Credit Score 71\u003c\/p\u003e \u003cp\u003e21. How to Correct Errors on Your Credit Report 74\u003cbr\u003e\u003ci\u003eby Ross Taylor\u003c\/i\u003e\u003c\/p\u003e \u003cp\u003e22. How to Fight Back when Your Credit History is a Mess 77\u003cbr\u003e\u003ci\u003eby Ross Taylor\u003c\/i\u003e\u003c\/p\u003e \u003cp\u003e23. How to Make Sure Your Credit History Stays Healthy 80\u003cbr\u003e\u003ci\u003eby Ross Taylor\u003c\/i\u003e\u003c\/p\u003e \u003cp\u003e24. How to Fight Back Against Bad Financial Advice 82\u003c\/p\u003e \u003cp\u003e25. How to Make Sure You Have the Right Investments 85\u003cbr\u003e\u003ci\u003eby Douglas Melville\u003c\/i\u003e\u003c\/p\u003e \u003cp\u003e26. How to Fight for Your Rights as an Investor 88\u003cbr\u003e\u003ci\u003eby Anthony Pichelli\u003c\/i\u003e\u003c\/p\u003e \u003cp\u003e27. How to Recover Losses on Unsuitable Investments 90\u003cbr\u003e\u003ci\u003eby Ken Kivenko\u003c\/i\u003e\u003c\/p\u003e \u003cp\u003e28. How to Fight Back Against the Canada Revenue Agency 93\u003c\/p\u003e \u003cp\u003e29. How to Avoid Getting Penalized on Your Tax-Free Savings Account 96\u003c\/p\u003e \u003cp\u003e30. How to Fight Back by Using the Taxpayer Bill of Rights 99\u003cbr\u003e\u003ci\u003eby J. Paul Dubé\u003c\/i\u003e\u003c\/p\u003e \u003cp\u003e\u003cb\u003ePart 3: Taming Your Telecom Costs 103\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003e31. How to Negotiate for Better Rates with a Telecom Supplier 105\u003c\/p\u003e \u003cp\u003e32. How to Cut the Cost of Your Home Phone Service 108\u003c\/p\u003e \u003cp\u003e33. How to Save Money on Your Internet Service 112\u003c\/p\u003e \u003cp\u003e34. How to Cut the Cost of Your Cable TV Service 116\u003c\/p\u003e \u003cp\u003e35. How to Save Money on Your Telecom Bills and Get Better Service \u003ci\u003eby Bob Lepp \u003c\/i\u003e120\u003c\/p\u003e \u003cp\u003e36. How to Buy a Wireless Phone without a Contract 123\u003c\/p\u003e \u003cp\u003e37. How a Customer Fought Back Against Cancellation Fees 127\u003c\/p\u003e \u003cp\u003e38. How to Save Money with a Prepaid Wireless Plan 130\u003c\/p\u003e \u003cp\u003e39. Avoid Data Roaming Charges when You Travel 133\u003c\/p\u003e \u003cp\u003e40. How a Bell Customer Fought a $10,000 Bill for Data Roaming 135\u003c\/p\u003e \u003cp\u003e41. Watch Out for Premium Text Messages on Your Wireless Phone 137\u003c\/p\u003e \u003cp\u003e42. How to Get the Best Value for Your Telecom Dollars 140\u003cbr\u003e\u003ci\u003eby Kim Walker\u003c\/i\u003e\u003c\/p\u003e \u003cp\u003e43. How to Cut Your Telecom Costs 142\u003cbr\u003e\u003ci\u003eby Heather Morgan and Mike Weatherbee\u003c\/i\u003e\u003c\/p\u003e \u003cp\u003e44. How We Helped a Household Slash Its Telecom Costs 144\u003cbr\u003e\u003ci\u003eby Heather Morgan and Mike Weatherbee\u003c\/i\u003e\u003c\/p\u003e \u003cp\u003e45. How to Make Effective Telecommunications Complaints 147\u003cbr\u003e\u003ci\u003eby John Lawford\u003c\/i\u003e\u003c\/p\u003e \u003cp\u003e46. How to Fight Back Against Big Telecom 152\u003cbr\u003e\u003ci\u003eby Lindsey Pinto\u003c\/i\u003e\u003c\/p\u003e \u003cp\u003e\u003cb\u003ePart 4: Stretching Your Travel Dollars 155\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003e47. How to Fight Back when an Airline Damages Your Luggage 159\u003c\/p\u003e \u003cp\u003e48. How to Fight Airline Rules That Do Not Make Sense 163\u003c\/p\u003e \u003cp\u003e49. How to Fight Back when a Cruise Line Loses Your Luggage 166\u003c\/p\u003e \u003cp\u003e50. How to Complain to the Canadian Transportation Agency 170\u003c\/p\u003e \u003cp\u003e51. How to Enforce Your Airline Flight Rights 173\u003c\/p\u003e \u003cp\u003e52. How to Cross the Border with Your Travel Documents in Order 176\u003c\/p\u003e \u003cp\u003e53. What to Do with Your Prescription Drugs when You Travel 179\u003c\/p\u003e \u003cp\u003e54. How to Avoid Getting in Trouble when Booking Hotels Online 181\u003c\/p\u003e \u003cp\u003e55. How to Avoid Being Denied a Refund on Unused Hotel Rooms 184\u003c\/p\u003e \u003cp\u003e56. How to Avoid Paying Medical Bills when Crossing the Border 186\u003c\/p\u003e \u003cp\u003e57. How to Choose Trip Cancellation and Trip Interruption Insurance 189\u003c\/p\u003e \u003cp\u003e58. How to Fight Back when Your Trip Cancellation Claim is Denied 192\u003c\/p\u003e \u003cp\u003e59. How to Avoid Losing the Travel Reward Points You Collected 194\u003c\/p\u003e \u003cp\u003e60. How to Fight Back Against a Car Rental Company’s Damage Claim 198\u003c\/p\u003e \u003cp\u003e\u003cb\u003ePart 5: Fighting Back Against Poor Retail Service 201\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003e61. How to Fight Back when a Store Refuses to Give a Refund 205\u003c\/p\u003e \u003cp\u003e62. How to Get Your Money Back when You Pay with Your Credit Card 209\u003c\/p\u003e \u003cp\u003e63. How to Return a Purchase That You Make Online 213\u003c\/p\u003e \u003cp\u003e64. How to Avoid Getting into Trouble with Online Purchases 216\u003c\/p\u003e \u003cp\u003e65. How to Fight Back Against Online Fraud 218\u003cbr\u003e\u003ci\u003eby David Malamed\u003c\/i\u003e\u003c\/p\u003e \u003cp\u003e66. How to Fight Back when You Find a Pricing Error 220\u003c\/p\u003e \u003cp\u003e67. How to Fight Back Against Automatic Renewals 223\u003c\/p\u003e \u003cp\u003e68. How to Avoid Losing Money on a Gym Membership 226\u003cbr\u003e\u003ci\u003eby Nicholas Ross\u003c\/i\u003e\u003c\/p\u003e \u003cp\u003e69. How to Decide on Getting an Extended Warranty 229\u003c\/p\u003e \u003cp\u003e\u003cb\u003ePart 6: Protecting Your Big-Dollar Purchases of Cars and Houses 233\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003e70. How to Fight Back when Your Car Does Not Work Properly 237\u003cbr\u003e\u003ci\u003eby Stephen Moody\u003c\/i\u003e\u003c\/p\u003e \u003cp\u003e71. How to Fight Back Against Car Leasing Charges 241\u003cbr\u003e\u003ci\u003eby Neil Rau\u003c\/i\u003e\u003c\/p\u003e \u003cp\u003e72. How Not to Get Stung when Buying a Newly Built Home 245\u003cbr\u003e\u003ci\u003eby Dr. Karen Somerville\u003c\/i\u003e\u003c\/p\u003e \u003cp\u003e73. How to Fight Back in a Phony Real Estate Bidding War 248\u003cbr\u003e\u003ci\u003eby Mark Weisleder\u003c\/i\u003e\u003c\/p\u003e \u003cp\u003e74. How to Resolve Issues with Your Energy Utility 250\u003cbr\u003e\u003ci\u003eby Paul Green\u003c\/i\u003e\u003c\/p\u003e \u003cp\u003e75. How to Fight Back Against Rogue Movers 253\u003c\/p\u003e \u003cp\u003e\u003cb\u003ePart 7: Using Your Communication Skills and The Courts 257\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003e76. How to Write the Perfect Complaint Letter 261\u003cbr\u003e\u003ci\u003eby Christopher Elliott\u003c\/i\u003e\u003c\/p\u003e \u003cp\u003e77. How to Create a Circle of Eyes on a Company You Want to Fight 263\u003cbr\u003e\u003ci\u003eby Franke James\u003c\/i\u003e\u003c\/p\u003e \u003cp\u003e78. How to Be Patient, Persistent and Prepared 267\u003cbr\u003e\u003ci\u003eby Ted Whipp\u003c\/i\u003e\u003c\/p\u003e \u003cp\u003e79. How to Use Twitter to Put Pressure on a Business 270\u003cbr\u003e\u003ci\u003eby Scott A.E. Smith\u003c\/i\u003e\u003c\/p\u003e \u003cp\u003e80. How to Deal with a Lawyer if You Have a Consumer Problem 272\u003cbr\u003e\u003ci\u003eby Orie H. Niedzviecki\u003c\/i\u003e\u003c\/p\u003e \u003cp\u003e81. How to Fight Back in Small Claims Court 275\u003c\/p\u003e \u003cp\u003eIndex 281\u003c\/p\u003e  \u003cp\u003e\u003cb\u003eEllen Roseman\u003c\/b\u003e 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 \u003ci\u003eToronto Star\u003c\/i\u003e and her popular blog, EllenRoseman.com, has been online since 2007. She's the author of seven books, including \u003ci\u003eMoney 101: Every Canadian's Guide to Personal Finance\u003c\/i\u003e and \u003ci\u003eMoney 201: More Personal Finance Advice for Every Canadian\u003c\/i\u003e. 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).   \u003c\/p\u003e\u003cp\u003e\u003cb\u003eBECAUSE YOUR MONEY BELONGS IN YOUR WALLET.\u003c\/b\u003e \u003c\/p\u003e\u003cp\u003e\u003cb\u003e\"A truly amazing reference.\"\u003c\/b\u003e \u003cb\u003e– David Chilton\u003c\/b\u003e \u003ci\u003eThe Wealthy Barber,\u003c\/i\u003e From his Foreword  \u003c\/p\u003e\u003cp\u003eWhat do you do as a consumer when you disagree with a bill or a service charge you're asked to pay? When faced with a mysterious charge, unexpected or unfair fees, or a poor quality product or service, you've got a choice. You can roll over and part with your hard-earned money or you can fight back. \u003c\/p\u003e\u003cp\u003eConsumer advocate Ellen Roseman takes you through the most common problems you may encounter with your everyday banking, credit, telecom, travel and retail transactions. She tells you how to detect corporate tricks, how to resolve your complaints and how to get your money back. \u003c\/p\u003e\u003cp\u003eYou'll learn how to avoid falling into consumer traps, how to get the best service from the companies you deal with and how to say goodbye to the companies that don't treat you well. With real-life stories, examples and contributions from specialists on a variety of topics, \u003ci\u003eFight Back\u003c\/i\u003e covers: \u003c\/p\u003e\u003cul\u003e \u003cli\u003e\n\u003cb\u003eBanking:\u003c\/b\u003e Get the best rates on savings and mortgages, and avoid service charges and penalties\u003c\/li\u003e \u003cli\u003e\n\u003cb\u003eCredit issues:\u003c\/b\u003e Get mistakes off your credit report, improve your credit score and get the best credit card rates\u003c\/li\u003e \u003cli\u003e\n\u003cb\u003eTelecom:\u003c\/b\u003e Tame your bills or even cancel them by breaking free from the big companies\u003c\/li\u003e \u003cli\u003e\n\u003cb\u003eTravel:\u003c\/b\u003e Avoid trip-wrecking disputes with airlines, hotels, car rentals, cruises, travel insurance and travel rewards\u003c\/li\u003e \u003cli\u003e\n\u003cb\u003eRetail:\u003c\/b\u003e Get refunds, avoid online fraud, understand extended warranties and fight price errors\u003c\/li\u003e \u003cli\u003e\n\u003cb\u003eCar and Home:\u003c\/b\u003e Get value from your biggest purchases and guard against lemon cars, unfair leasing charges, and bad builders\u003c\/li\u003e \u003cli\u003e\n\u003cb\u003eCommunication:\u003c\/b\u003e Learn the skills you need to write effective complaint letters, use social media and pursue a company in court.\u003c\/li\u003e \u003c\/ul\u003e","brand":"Wiley","offers":[{"title":"Default Title","offer_id":47989207007461,"sku":"NP9781118300886","price":25.0,"currency_code":"USD","in_stock":false}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/1842\/7735\/files\/9781118300886.jpg?v=1761783208","url":"https:\/\/k12savings.com\/products\/fight-back-isbn-9781118300886","provider":"K12savings","version":"1.0","type":"link"}