|
Introduction |
|
What
is CAC Manitoba? |
Chapter 1:
Banking
| |
Why open a bank
account?
Where can I open a bank account?
How is my money protected?
What type of bank account can I open?
What can I expect?
Cheques
Service Charges
What if I have a problem?
Safety Deposit Boxes |
|
Chapter
2: Credit
| |
Credit carts,
mortgages and loans
How do I get a credit card?
What happens if my application is accepted?
Monthly Statements
What if my application is rejected?
What if I want to cancel my credit card?
Alternative financial institutions |
|
Chapter 3:
Shopping
| |
Return Policy
Guarantees and Warranties
Rain Checks
Rent-to-Own
Garage sales
Outdoor markets
Auctions
Buying at the door
Charities
Door-to-door sales
Shopping through the mail
Mail order clubs
Catalogue shopping
Shopping on the Internet
Telemarketing
Pre-paid contracts
Rebates
Buy now, pay later
Shopping for clothes
Buying clothes on a budget
Children's clothing tax exemption
Winter clothing
Grocery shopping
Corner grocery stores
Large grocery stores
Department stores
Shopping clubs
Best Before dates
Be a wise consumer |
|
Chapter 4:
Automobiles and Transportation
| |
Driver's licenses in Manitoba
Merits and demerits
Buying a car
How do I buy a car?
When is the best time to shop?
How do I make sure a used car is in good condition?
Safety certificates
Check the history of the vehicle
Making an offer to buy a vehicle
Trade-ins
Leasing a car
Is leasing better than buying?
Renting a car?
Safety
Winter driving
Vehicle insurance and Autopac
Financing
Selling a car
Complaints and Car Problems
Fixing your car
Getting an estimate
What if I have a problem?
Taking the bus
Taxis |
|
Chapter 5:
Housing
| |
What can I afford?
Where should I live?
Where should I look?
When looking at an apartment
What questions should I ask?
When you find the apartment you want to rent
Be aware of safety issues
Tenant insurance
Buying a house
Choosing a real estate agent or realtor
Making an Offer to Purchase
What costs can I expect to pay?
Home Inspection
Security Inspection |
|
Chapter 6:
Utilities
| |
Long-distance
telephone
Cellular telephones
Television
Cable TV
Digital cable
Pay-per-view TV
MTS TV
Satellite TV
Before I buy a satellite television |
|
| Chapter 7:
Protect Yourself |
| |
| |
Identity Theft
Social Insurance Number
Privacy
E-mail Viruses and Scams
Computer Viruses
Scams
E-mail and Internet scams
Contest prize scams
Telephone Scams
What you can do about scams
How and when to make a consumer complaint
When do you have a valid complaint?
3 steps to making a complaint |
|
Resources |
Cathy Bruneau:
Contributor