Recently by Ellen Roseman

Ellen Roseman: How To Fix OAS

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.

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Ellen Roseman: Beware of internet scams

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...

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Ellen Roseman: How to protect investors

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?

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Ellen Roseman: Air Miles-Use them or lose them!

If you're collecting Air Miles, you now have only five years to use them. And if you don't redeem in time, you'll lose them.

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Ellen Roseman: Getting away from winter on the cheap

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?

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Ellen Roseman: How to get through to big companies

If you have a consumer problem, how do you get through to a decision-maker at a large corporation?

In my experience, many executives try to insulate themselves from public contact. They outsource customer service to call centres, which follow company policies but never challenge them.
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Roseman: Credit education week asks the right questions

This is Credit Education Week, which is holding many events across Canada. It's sponsored by Credit Canada, a non-profit counselling service, and Capital One, a credit card issuer.
Author and TV host Gail Vaz-Oxlade wants to spoil the party. Angry to see credit cards with big spending limits handed out to young people, she thinks you should write to your MP about passing laws to curb irresponsible lending.
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Roseman: E-Readers make a comeback

300-kindle.jpgIf you love to read, you probably have an electronic reader or you plan to buy one soon.

I predict this will be a popular gift for the holiday season.
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Ellen Roseman: U.S. tax laws cause worry for ex-pats

220-IRS-letter.jpgIf you're a U.S. citizen who lives in Canada, you should be filing annual tax returns with the U.S. Internal Revenue Service.

Even more worrisome, you should be filing annual reports about your assets held in Canadian bank and brokerage accounts.

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Roseman: Extended warranties rarely worth it

You're buying an appliance or electronics product in a store. You're dealing with a salesperson who gives you a strong pitch to buy an extended warranty to protect your purchase.

Do you go for the extended warranty? Or do you tell the salesperson to get lost? 

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