Pat Foran is an award-winning journalist who has worked for three different CTV affiliates since 1986. Currently, Foran is the host of a popular feature segment on CTV Toronto called “Consumer Alert”. Foran has helped consumers recover hundreds of thousands of dollars, exposed scams, warned about unsafe products, and passed on countless money saving tips to the public. Thousands of phone calls, e-mails, and letters prove there is an intense public thirst for solid, trustworthy consumer information. Prior to working as CTV’s Consumer Advocate, Foran was a reporter covering many of the high profile stories of the day including the Paul Bernardo trial, as well as interviewing Sarah Ferguson, Wayne Gretzky and John Candy. He’s been recognized with an Atlantic Journalism Award and Peel Police Award. Foran is also an advocate for financial literacy and was asked to serve on the Federal Government's Financial Literacy Task Force from 2009-2011. Foran is also the author of four national bestselling books on consumer and financial issues.

His latest The Smart, Savvy Young Consumer is designed to help young Canadians spend and save wisely.Credit Card Lower Rates How the scam works: Low interest credit cards are hot commodities, but beware of the latest scam whether you're looking for 0 interest credit cards or low interest rate credit cards. There are two variations of this scam:Did you ever pick up a phone call and the first thing you hear is an automated message saying: “To lower your credit card rates, press 1”? If you haven't, chances are you will soon. The automated call scam is quickly spreading all over the world, as victims are lured into pressing keys on their phone and allowing (giving permission by confirming) scammers to register them for shady premium text rate campaigns or even to give them their credit card numbers. Watch the video below to see in action how this sneaky premium line works. Scenario 2 (with video). This second variation of the scam involves unsolicited phone calls from fraudsters offering to apply for a low-interest rate credit card on a person's behalf, for a large fee.

The criminal will request personal and financial information, including a person's existing credit card number. Watch the video below to see in action the Credit Card Lower Rate scam. Just hang up the call if it is an automated message, regardless of what it is about: lower rates, free trip, bonus loyalty points, etc. honeywell hepa air purifier 50250nFor the second variation of the scam, consumers should never pay a fee to a third party for this service. idylis air purifier for moldMost financial institutions offer low-interest rate credit cards and consumers can apply for these cards on their own through the financial institution directly. hunter air purifier model 30447You can also report the scam on this page: Federal Trade Commission Report.

How to protect yourself more: If you want to be the first to find out the most notorious scams every week, feel free to subscribe to the Scam Detector newsletter here. You'll receive periodical emails and we promise not to spam. Last but not least, use the Comments section below to expose other scammers. Related Articles and Pages: Full List of Telephone Scams Solar Panels For Your Home Scam Emergency Locksmith Services/ 24 Hour Locksmith Scam Water Heater Repair Emergency Plumbing Service Emergency Garage Door Repair Service Scam Heating and Air Conditioning Repairs Services Scam Bad Credit Car Loans ScamThis is one of the most common travel scams, especially when ... Credit Card Lower Rates Low interest credit cards are hot commodities, but beware of the latest scam whether you're looking ... IRS Tax Help Scam Tax season and fake agents. One of the worst scams around this month is the IRS Tax Help or Filing T... VA Loan Eligibility And Vetera...

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2. PayPal Address Scam 3. Angelina Jolie-Brad Pitt Divorce Scam 4. Stuffing Envelopes Job Scam 5. Online Police Auction Scam Scam Detector Gives Back To The Community Scam Detector recently partnered with Travel by Dart, an inspirational web-series where two friends blindfoldedly throw a dart at the world map and travel wherever it lands, with the purpose of helping the land or the people. Click HERE or on the image below to watch the trailer of the series!Embanet Corporation Reviews Filter Filter 20 Employee Reviews Popular Rating Date 7 Oct, 2015 Pros Great Benefits and they will pay/compensate you for going back to school Cons The upper management in the Toronto (North York) branch are unorganized and have no idea what they are doing. There is only one person who handles "HR" at this branch and she is completely rude, unprofessional and lazy and therefore if you need anything done by HR, it won't happen. The company's philosophy, goals, ideals are so inspirational but the people and culture here, especially HR is terrible - not to mention the high turn over rate.

29 Aug, 2016 I have been working at Embanet Corporation full-time (More than 3 years) Pros - You get paid on time.- You get a lunch and 2 breaks. Cons - No advancement opportunities.- Horrible treatment by senior management and leadership.- Low pay (35-38K) with no increase.- Low lunch time considering the amount of stress taken on a daily base (30 mins).- Stressful environment (toxic as well). Advice to Management - Be transparent and open to your employees.- Be more encouraging , this place is a revolving door where high turn over rate is present (60%+ annually).- Have advancement opportunities. 26 Apr, 2016 Pros The company has a good culture of nice people working there. The location is very good. Cons The management there is micro management solely focused on start dates instead of mental health of its employees.There is extreme turnover almost every three months. Advice to Management Need to change Management. Too many chiefs not enough Indians. The community relies on everyone sharing – Add Anonymous Review 11 Sep, 2015 I have been working at Embanet Corporation full-time Pros For college freshers good platform to get some technical experience Cons No appreciation for hard workSenior leads do not do their job but expects juniors to do all the workLot of pressure on Technical Support Tier-I agents, causing them to leave without resigningNo opportunities to growNo work life balance

, then can call you at 1 AM in the morning and ask you to come to office on your day off 5 Aug, 2015 I worked at Embanet Corporation full-time Pros - Friendly and experienced team- Industry Standard Software- Lots of Learning Opportunities- Room to grow- Professionally Run Cons - Shift work - get ready to work till midnight and on weekends- Seemingly low pay - not to much to live off if you have a family to support - could stand to raise by 10-20% Advice to Management - Raise Pay at least a bit- Allow for quicker advancement. If one is qualified and brings a wealth of experience to a more junior position, don't keep that person stuck in the same role he's over qualified for over a year. You're not going to keep good people very long with that stance. 8 Aug, 2015 I have been working at Embanet Corporation full-time (More than a year) Pros -They pay you biweekly-You can pay your bills Cons -Extremely unprofessional environment especially on the weekend and evening shifts due to bad example set by certain management-Witnessed racist stereotypical comments made to fellow co workers-Stressful toxic environment after a while-If you cross anyone in management watch out cause they will come after you over the tiniest things while letting their friends get away with

it.-If you don't befriend management expect to be treated second class-Management expects employees to follow policies which they themselves don't do-HR to friendly with management so really inhibits you from complaining to them-Two faced employees spying for management and way to much politics- Management promotes people who they are friends with and know personally over more qualified senior employees-They put on an air of everything is perfect and fair but in reality its the exact opposite-No room for growth-Everything learned there cannot be applied to any other job Advice to Management -Stop promoting people because they are your friends-Stop treating your employees like your servants and speak to them with respect-Increase pay-Be professional with your actions instead of your words 22 May, 2015 I worked at Embanet Corporation full-time Pros Lots of friendly people and you'll be able to learn a lot since you're running you're own little marketing agency for the client. Cons Lots of politics.

Lots of people being thrown under the bus. There are clear favourites who Sr management have identified to succeed. Advice to Management Stop the politics and promote qualified people even though they don't kiss your butt. 15 Apr, 2015 Pros They talk the talk and make things look glamorous in the initial stage of hiring. Cons - Pay is very low ($35,000 Annual with no increases so expect to be there for 3 years + with no increase).- Get to deal with some of the dumbest post secondary students in North America.- Solve issues that you are not trained to solve. Expect to have to look for hours for the answer.- Promotions are hard to come by and its by who you know and who you suck up to.- Company throws the ownership of stats, motivation within, and how well the company is run on the front line staff instead of the management (even with a survey that showed 60% of employees are not motivated to work , they threw the ownership on the front line and they need to motivate themselves). Advice to Management Stop throwing the ownership on the employees and actually do something to motivate them instead of just expecting things to happen without giving much back.

4 Jun, 2013 Helpful (2) I worked at Embanet Corporation full-time (More than 8 years) Pros Great business model (profit sharing) and great basic business idea. Strong sector (online education services) to be in given the continuing growth in the sector. Cons Approaches recruitment of students to online education programs like a telemarketing company selling duct cleaning. Treats it's front line employees as disposable. Executive fosters a culture of negativity, poor communication and lacklustre vision since merging with another American company several years ago. Advice to Management Hopefully, Pearson (which recently bought the company from an investment group that had no interest in actual company function other than profit generation) will turn the corporate culture around - this starts at the top and the top level must be either culled and suitable replacements found or firmly required to bring themselves into the new century (finally) by learning and practicing current established best practices in managing people