Prime Minister Stephen Harper set off an alarm last month, when he suggested that Canada couldn't afford to pay Old Age Security benefits for boomers who will be retiring in the next 20 years.

Government finance experts were aghast. They wanted to know why Harper was creating a crisis when none existed before.

You get an email from your bank, saying your account has been compromised. Do you clink a link to get more information?

No way. The email may be from a fraudster and the link may lead to a phony website, where you're sharing confidential data with someone who can raid your bank account.

Welcome to email phishing (spelled with a PH), also known as brand spoofing...

The Supreme Court of Canada said a national securities regulator would be unconstitutional. The decision came out late last year.

I'm not terribly disappointed. The United States had a national securities regulator for decades, but fraudster Bernard Madoff still pulled off the biggest Ponzi scheme in history.

So, how do we improve the outcomes for Canadians who save and invest their money? How do we ensure they get redress when their trust is abused?

The cold weather is getting you down. You want to escape to a warm place, but you want to keep costs in line. So, how can you save money on travel?