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Ontario woman loses $1000 deposit in cottage rental scam

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For many, the Canada Day long weekend is the official kick off of summer and many families will be spending time at a cottage.

Owning a cottage is out of reach for many people or they may only want to enjoy the cottage experience for a week or weekend, but if you’re looking to rent a cottage and you’re using classified websites, be careful you don’t get caught in a rental scam.

“We were all looking forward to this vacation because it was a very nice cottage,” said Homa Ashrafpour of Richmond Hill.

Ashrafpour found a cottage rental on Facebook Marketplace in March of this year that looked like a great deal and was large enough for her family and guests, a group of about 13 people.

“There was this ad and it was an amazing cottage and it is was a lot cheaper than other cottages on VRBO or other websites,” said Ashrafpour.

Ashrafpour contacted the person in the ad and agreed to rent the cottage for one week in July and he said he needed a $1,000 deposit.

But once Ashrafpour e-transferred the $1,000, the seller cut off all communication with her.

Ashrafpour later found the cottage in a different ad and called the phone number and the real owner of the cottage told her she was not the first person to be victimized and that criminals were using his property in fraudulent listings.

“The owner of the cottage told me that somebody took his identity and made a fake ad with his cottage information and rented it out to get money,” said Ashrafpour.

The Canadian Anti-Fraud Centre (CAFC) said that cottage rental scams are rampant on social media and classified websites.

“Definitely, this is the time of the year to watch out for cottage rental scams. They are everywhere,” said Jeff Horncastle with CAFC.

Horncastle said victims have lost $308,000 in total to rental scams so far this year, as well as $831,875 in 2023 and $737,102 in 2022.

Potential renters are advised to watch out for low prices, only deal with the owner of the cottage or a reputable rental service and to try and view the property in person if possible.

Horncastle said if you are trying to find a cottage rental using classified websites or social media, fraudulent ads can be difficult to spot.

“They (the scammers) will go and find an old ad or a cottage that has recently been sold and take the photos and the information and craft a fake rental ad,” said Horncastle.

Ashrafpour said her summer vacation plans are now ruined and that she will no longer trust classified websites to rent a cottage.

“It felt bad not just about the money, it’s that you got scammed by people who are just sitting in their houses and taking people’s money and that’s not right,” said Ashrafpour.

If you have to leave a deposit to secure a cottage consider using a credit card which can offer more protection if there is a problem.

Also, due to the huge demand to rent cottages it’s advisable to start searching for a cottage as early as December for a rental for the following summer.

 

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Image Is Everything; Hence, Your LinkedIn Banner’s Importance

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Why do I keep seeing LinkedIn profiles with an empty banner and/or no profile picture? Are these people oblivious to the importance of a first impression, or do they just not care?

You, I, and everyone judge; hence, we live in a judgemental society. Your image, which shapes how people view you, is everything.

You can’t claim to be a serious job seeker if you’re not taking advantage of LinkedIn’s visual opportunities to optimize your profile to make a strong impression. When it comes to social media content, visuals are scrolling-stoppers. Aside from your profile picture, your LinkedIn banner is the first visual people see.

View your LinkedIn banner as a billboard strategically placed at street level, which you can use to capture the attention of passersby who may have a potential opportunity. (In a previous column, I wrote that opportunities exist all around you; the caveat is they’re attached to people.) Advertisers spend a great deal of money to have billboards with a captivating visual and compelling message, making the point that billboard advertising is a good investment for driving traffic to their offerings. Your LinkedIn banner—your billboard—is free, so why not use it to market yourself to employers?

If your LinkedIn banner is currently blank, hopefully, you’re now convinced that leaving it blank is likely costing you job search and career opportunities, and you no longer want to leave it blank. Here are instructions on how to create a LinkedIn banner using Canva, a user-friendly graphic design tool that offers various customization options.

 

Step 1: Create a Canva account

 

Canva offers both free and paid plans. Their free plan is more than adequate to design your LinkedIn banner. Go to Canva’s website and sign up using your email address or social media account.

 

Step 2: Choose the LinkedIn banner template

 

In the Canva dashboard, type in ‘LinkedIn Background Photo’ in the search bar at the top to find a LinkedIn banner template. Canva offers a variety of pre-made templates—as I write this, there are 7,203 LinkedIn banner templates (Canva Pro)—that are optimally sized for LinkedIn, which is 1584 x 396 pixels. Alternatively, you can use Canva to create your LinkedIn banner from scratch.

 

Step 3: Customize the template

 

Here’s where the fun begins; experimenting with all the templates and conveying your message to employers. Canva provides an interface that allows you to customize your banner template in multiple ways.

 

  • Edit text: Click on the text elements in the template to change them. You can modify the text, fonts, colours, and sizes to match your personal brand or professional style. Ensure that the text is concise, relevant, and legible.
  • Add elements: Shapes, lines, icons, illustrations, and other design elements, which Canva offer a wide variety of, can be included in your banner. When used strategically, these will make your banner more visually appealing and emphasize specific aspects of your personal or professional brand.
  • Upload your own images: Nothing will personalize your LinkedIn banner more than incorporating your own images, such as a picture of you in your work environment or enjoying your hobby, a logo or any other relevant images, into your banner.
  • Change the background: You can change your banner’s background to reflect your profession, industry and personality. Canva offers a multitude of colours, gradients, and images, allowing you to create an eye-catching, scroll-stoping background.

 

If you’re actively job searching, consider adding your contact information and, at the risk of adding fuel to the ongoing LinkedIn’s #OPENTOWORK green banner feature, announcing you’re looking for your next opportunity or available ‘for hire.’

 

Step 4: Maintain consistency

 

When designing your LinkedIn banner, ensure it aligns with your personal brand and harmonizes with your profile picture. Consistency in design and branding is critical to creating a strong professional image on a social media platform. It’s important to avoid having your profile picture’s colour conflicting with those in your banner and vice versa.

 

Step 5: Review and adjust

 

Before finalizing your LinkedIn banner, take a moment to review your design. Check for any typos, ensure the banner is eye-catching, and convey the message you want to send to your LinkedIn network and hiring managers. Your banner should show your intention and indicate that you’ve taken a thoughtful and strategic approach to your profile.

 

Step 6: Download your new LinkedIn banner

 

Once you’re satisfied with your banner, click the download button in the upper-right corner of Canva’s interface. You’ll be prompted to choose the file format; select PNG for the best image quality. Once downloaded, your banner can be uploaded to your LinkedIn profile.

Similar to how advertisers run campaigns for a period of time, updating your LinkedIn banner every quarter is an effective way to get noticed. Aside from updating your banner to reflect different aspects of your abilities, you may also want to consider updating your banner image to reflect a relevant seasonal or holiday theme—autumn, Thanksgiving, Christmas or whatever holidays you celebrate. A visually compelling banner isn’t just an accessory; it’s a powerful tool in your job search arsenal, especially since, more than ever, image is everything.

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Nick Kossovan, a well-seasoned veteran of the corporate landscape, offers “unsweetened” job search advice. You can send Nick your questions to artoffindingwork@gmail.com.

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TD Bank to pay more than US$28M in settlement for market manipulation

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TORONTO – TD Bank Group has agreed to pay more than US$28 million after an investigation into manipulation of the U.S. Treasuries market by one of its traders.

The deferred prosecution agreement with the U.S. Department of Justice has TD agreeing that a former employee created a false appearance of supply or demand in the market by placing bids or offers, only to cancel them before completion.

The agreement says hundreds of so-called spoof orders were placed, amounting to tens of billions of dollars of false supply and demand, in an effort to artificially increase the market prices of those products.

The resolution comes as TD is also soon expected to settle a sweeping investigation into shortcomings of its anti-money laundering program that the bank expects will cost it more than US$3 billion.

The agreement on the spoofing case has TD paying about US$12.6 million in civil penalties. It also faces US$9.4 million in criminal penalties, which court documents say is the statutory maximum, plus US$4.7 million in victim compensation and US$1.4 million in forfeiture.

TD says it takes regulatory and employee conduct violations very seriously, and that it reported the employee and fired him and has since enhanced its monitoring and compliance capabilities.

This report by The Canadian Press was first published Sept. 30, 2024.

Companies in this story: (TSX:TD)

The Canadian Press. All rights reserved.

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Suncor Energy pleads guilty to charges for 2019 injury on oil vessel off Newfoundland

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ST. JOHN’S, N.L. – Suncor Energy has been fined $90,000 after pleading guilty to two charges stemming from a worker injury in 2019 aboard its production vessel in an oilfield off the coast of Newfoundland.

In a news release Thursday, the province’s offshore oil regular said the company must also give $20,000 to the College of the North Atlantic’s health and safety management program.

The Canada-Newfoundland and Labrador Offshore Petroleum Board says Calgary-based Suncor pleaded guilty on Sept. 5 for failing to ensure the safety of its employees and failing to ensure its employees wore a safety harness attached to a lifeline while inside a confined space.

The board says a worker fell 7.6 metres from a safety ladder while testing for hydrogen sulfide in a ballast tank on the floating production and storage vessel in the Terra Nova offshore oilfield.

An agreed statement of facts says two emergency response workers then went into the tank to tend to the fallen man, and they were not wearing gas masks.

Suncor Energy is the majority owner of the Terra Nova oilfield, and it reported net earnings of $1.57 billion in the second quarter of this year.

This report by The Canadian Press was first published Sept. 17, 2024.

The Canadian Press. All rights reserved.

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