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Sagittarius Man Secrets by Relationship Astrologer Anna Kovach

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Sagittarius Man Secrets by Relationship Astrologer Anna Kovach is backed with a 60 Day No Questions Asked Money Back Guarantee. If within the first 60 days of receipt you are not satisfied with Wake Up Lean™, you can request a refund by sending an email to the address given inside the product and we will immediately refund your entire purchase price, with no questions asked.

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Even If Your Situation Seems Hopeless…

If you take my hand, I’ll show you how to creep deep inside his mind, make him fall for you and beg you to be his girlfriend or wife forever… even if you’re the only one trying…

Did you know that Sagittarius is one of the most confusing signs in the zodiac?

If the man you’re interested in was born between November 22nd and December 21st then this is going to be the most important message you’ll see about him…

Because in the next 90 seconds your going to see exactly why the Sagittarius man is so confusing, why he’s so hot-and-cold, why he keeps pulling away even though you love him more than anyone else in this world and there’s vicious sexual chemistry between you…

And soon you’ll begin to realize the secret to make him powerlessly cravefor you deep in his bones, with an obsession igniting only for you…

Now you must be wondering who am I to claim you can get the most confusing man in the entire zodiac.

Hi this is Anna Kovach and you may know me from one of my many popular blog posts, books, or my best selling programs.

Actually, my aunt (and to some extent my mom) introduced me to a secret while I was going through an explosive break up.

And if you’re confused or in pain here’s why there’s a way out for you… 

Now I can almost see you shaking your head in disbelief…

It’s okay… let me ask:

Don’t you know or have heard of almost impossible couples, even abusive ones, getting married or getting back together, again and again… haven’t you heard of or seen homely women (even ex-convicts!) winning a fine man’s love, attention and devotion for LIFE… you think it’s uncommon?

Doesn’t it make sense? If most of us can think of real-life couples that have united and reunited (again and again), no matter how impossible it seemed at first, then could there be some secret recipe to capture a man’s heart, especially a Sagittarian man’s heart?

Think about it for a sec…

Sure there’re no such things as “love spells” or “black magic” to get what you want but I’m sure it was what they said or did by pure dumb luck… which triggered the lovely magic.

It was hard for me to believe this. 

But as you go through this page you’ll realize how to make it his idea to chase you and COMMIT to you. However, every man is different, every relationship is different, and every situation is different. 

But yet, are there rules or recipes that these weird star-crossed couples could have used?

I Wonder How Soon You Begin To Realize 

The Unbelievably True Magical Love Recipe…

Imagine you lay your hands on this incredible recipe? Would you like to try it just to see the kind of magic it unleashes on your Sagittarius man?

I’m sure your head is probably running in many different directions… probably he hasn’t asked you out, what would happen if he did?

Or maybe he hasn’t realized you’re very special… what would happen if he did?Or maybe he’s cheating on you or seeking divorce after an amazing 25 years of marriage… what if he realizes his dumb mistakes and lay in your lap like a puppy…

The bottom line is: what if you realize how to make him obsessed with you, become his passion and priority for life, WITHOUT changing him??

If I were you I’d be skeptical right now… and that’s why I’ve decided to reveal everything, once and for all.

Now understand that Nature follows rules… billions of stars, seasons and your heart inside your body follow a pattern… otherwise we’d not have existed by now…

… Like music, Astrology organizes men according to their signs, their innate personalities, and their minds… which make them easier to understand yet keeping their unique flavor untouched…

And you know there must be billions of rules & recipes governing us humans…

But the good news is you don’t have to understand ALL of them, just a few are good enough to get the Sagittarius man.

Of course, some women try to simply ignore them… and by now you understand that a Sagittarius man would hate to settle for such woman.

However, if you don’t want to spend a lifetime to understand the Sagittarius man then continue to read this page as it’s going to cut short your journey to a few hours.

But before we go forward, you must understand…

Nobody Can Predict Your Future.

I’m not going to pull any punches here… but greedy folks have created a booming business out of it.

Let me say this again: Astrology Is NOT A Fortune-Telling Or Superstitious Practice.

In fact, famous scientists like Galileo, Albert Einstein and many more believed in Astrology.

It’s both an Art and Science. It’s like a crucial intelligence report before war.Fortunately, with Astrology you can understand what you are up against. 

Because when you understand the Sagittarian natural tendency, then you can make a fairly good guess to discover how he is going to behave… and mostly you’ll be right and then you can use it to your advantage.

Remember, the Archer can shoot his arrow but a sudden gust of wind can blow it either away or closer to the target. So I hope I’ve cleared a lot of confusion here.

Sagittarians are a bit different from other man. So here’s a glimpse of what you’ll discover here:

Sagittarius men are co-ruled by the Centaur Archer. Remember, as an Archer he enjoys a good hunt and for that you need to give him a good TARGET.

So it makes sense that he loves to play games. At the same time, they are all up for challenges — trying to figure out the PATTERN.

Are you connecting the dots? 

Would you like to know more about the pattern of his heart, mind and soul?

I Wonder How Soon You Realize That Astrology Can REALLY Bring You The Love, Luck, And Happiness… Along with the Sagittarius Man You Seek.

For that you just need a way to fly under his radar, make yourself an “unachievable target” and he’ll turn into a laser-guided missile launched to chase you down.

And when that happens he’ll think about you all day long, becoming DESPERATE to give you the incredible love you want so much.

Before you freak out or get overwhelmed, let me show you how I, along with many other women, actually did it… 

But Before That… Do You Make These Mistakes To Attract & Keep The Sagittarius Man?

Please realize… this is NOT your fault. You weren’t taught about this in school or at home… And there are no “capture Sagittarian heart night schools”… 

See, thing is there’re all kinds of books available… from Cars to money to clothes to Chemistry… But there are no guides for love. What a shame, huh?

But that’s about to change for you.

I sincerely believe the reason you found this hard-to-find page is that your destiny has something in store for you… 

I don’t know what it is… but we can agree that from now on, at least the Sagittarius men will soon stop being a mystery to you.

Now this is going to be a bit embarrassing for me… But let me tell you my story first…

You see, even though I’m a pretty good Astrologer now, but not too long back Zodiacs, Horoscopes, Astrology were mumbo-jumbo to me.

And Then I Met ‘The One’

I was just another college senior when I met a hot man, Frank, a Taurus. We got addicted instantly. And being a brilliant Psychology student I ASSUMED I know what he wants from his lover. I thought he’s easy to control. 

And everything was going my way.

I was devastated. I couldn’t figure out why and when things turned south. And why suddenly he dumped me.

Actually, I was getting all the red flags… like he wasn’t making eye contact with me, he wasn’t sharing all the details and suddenly he was out with his “friends” more…

I didn’t know how to handle this dark side.

And Then I Sought Help From My Eminent Professors and Psychologists. 

You see, I’d access to some of the best minds in the world or so I thought. Things turned so bad that he blocked me.

None of those “psychological loopholes” my professors boasted about worked. It shouldn’t surprise you to know that these “experts” had pretty bad marriages themselves. 

After a few days, I saw Frank with a damn good hottie.

A Witch Stole My Love From Me… I’d No Chance.

I cried for days and nights dreaming about Frank coming back to me, binging on junk food… trying everything… in vain. 

Finally, my mom took pity on me and suggested me to take a short vacation to Romania… My family emigrated from there when I was small.

Of course, I wasn’t excited. But I packed my bags and flew out to Romania. 

My first stop was Otopeni, slightly north of Bucharest. At Vernesti, I had to meet my aunt. And then after about half an hour’s drive to Soresti was my destination.

The journey was pleasant and I felt lighter. And I was about to witness a great secret of life because unknowingly I’d nudged the ball rolling in my favor… Finally, when I met my aunt I felt positive and wonderful.

And even as I was enjoying the countryside, she surprised me by asking what was wrong with me. Since I didn’t want to suffocate my feelings, so I revealed everything to her.

She just smiled and asked, “What sign is he?” when I replied she had an even bigger grin. 

How insensitive… I thought.

What I didn’t know was my aunt was an ace Astrologer…

…and she nearly spooked me by revealing a few details about Frank…

See, Astrology is big in Romania. TV, magazines and newspapers are filled with ads from psychics, Astrologers and oracles.

And my aunt was one of the best in this job. Her customers included top honchos, politicians; CEOs… people would fly in from around the world to consult with her. 

When we reached home (which was more like a castle) my life was about to change, forever.

Meanwhile, she prepared a full Synastry report.

And it was magical, I felt like holding a deep dark magic in my hands.

It was so much more than a psychological analysis I’d ever seen.

Actually, for the first time I realized Astrology is much more than the usual junk I used to see in magazines and newspapers.

Of course, you know the phenomenon of the tides. The sun and the moon, even when they are millions of miles away from the earth, move HUNDEREDS OF BILLIONS OF TONS OF WATER so effortlessly. 

In fact, it recently came to light that the wife of ex President Ronald Reagan, one of America’s most famous presidents, relied on Astrology to guide her husband to great successes in White House AFTER the Iran-Contra fiasco in the mid-1980s. 

Remember, it was Reagan who ended the cold war without firing a single bullet.

It’s a fact that from politics to the stock market, from relationship problems to marriages, Astrology is one of the most consulted sciences.

Proof is overwhelming… in 1960s, Astrologers beat Psychologist hands down when it came to predicting case histories. 

I wish I’d visited my aunt earlier. It’s too late because Frank is with the witch now.

At least, the trip wasn’t wasted. I realized my mistake of assuming I can handle him with what I know. 

And then my aunt delivered shocking news: I still have a chance… but I needed to get dirty for the last shot. And I wanted Frank like oxygen…

Moreover, I Wanted to Show The Witch That Nobody Can Rob My Love From Me

Armed with the new tactics my Astrologer aunt showed me, I was ready to hunt.

Of course, I was nervous. There was no room for misfires or duds. If he realizes my game then I’m done. It felt weird.

I went through my notes again and called him. Surprisingly, he picked up my phone! And asked me where I’d been. Of course, I stuck to what my aunt had told me.

And then we talked for over an hour. No pleading, no emotional blackmailing, no smoke and mirror techniques. 

And then he said, “Oh meet me whenever you want…” Now that’s never happened before. He turned down his appointments just to see me.

By the time, we finished Frank was almost dying to meet me. I wondered why he’s so desperate…

When we met, I was terrified (huh?)… is this going to be just another “rebound sex with an ex” kind of thing? What if he discovers my secret… actually, I was wrong because I’d the freedom to flow with the situation.

Amazingly by the time we finished the poor guy was feeling bad for breaking up with me… and all along I was smiling and saying to myself, “Just like my aunt said…” 

Long story short, he darted back to me like a lost dog to its rightful owner and I realized the true power of Astrology. 

Over the next few years, I delved deeper into this ancient science. And soon I started helping out others and it became my loving profession.

Now an obvious question is what happened to our relationship after all these years.

Well, our love grew deeper… And after almost 2 years – he went down on his knees and proposed to me.

Now imagine his mind as a maze and his heart locked at the center. Also imagine bottomless pits, traps and dangerous beasts in the room.

Thing is even if you could walk through some “loophole”… you can never manipulate the beast into submission. Because the fierce Centaur Archer would gladly destroy you before you could steal anything. 

But what if you’ve got a “perfect roadmap” with written instructions showing you which places to avoid, which to visit and how to handle his dark side to steal his heart and keep him for as long as you want?

Of course, consultation with a good relationship Astrologer is your best bet.

But it’s impossible for me to guide everyone. And many women might not be able to afford my regular fees let alone my private visiting fees. It was disheartening for me.

An idea struck me and this is going to blow your mind away.

DISCLAIMER: Sagittarius Man Secrets is a digital product.

Image above is for visualization purposes only.

I’d a jealously-guarded secret that was first shared with me by my aunt and which then I used to share with my friends and loyal clients only.

It was privately called “Sagittarius Man Secrets” because it gives you the secrets to ignite his devotion for you.

A blend of Astrology, Psychology and Sextrology it works like clockwork on almost any Sagittarius man out there… even if he’s a “commitment phobic” man, compulsive cheater or doesn’t want to talk to you anymore.

Actually, it was NEVER meant to be released in public. 

But a word got leaked and my inbox got flooded with pleas from women around the world begging to be let in.

So what I’m going to share with you is for those women who qualify ONE simple term to access it right away:

Use this power ethically. 

That’s right. It’s an immense responsibility. Since you’re a mature person so what you do with it is going to be your responsibility. 

With the disclaimer done… now I invite you to try this “secret weapon” yourself.

For starters, here is a taste of what’s inside your Sagittarius Man Secrets:

Now that we’ve taken care of your relationship, next comes one of the most important side of his life…

 … his dark, deep and dirty personality.

He’ll never take you to those depths as he fears it might hurt you or you’ll judge him…

But then you need this to take intimacy to the next level and demand his complete focus on you.

The good news is you don’t have to figure it out all by yourself. Because I’ve deciphered the code for you…

Here’s a glimpse of what you get inside ‘Sagittarius Man Sextrology’: 

You know a sexually satisfied Sagittarius Man is a fully committed man… Inside I’ll show you how to innocently fulfill his darkest fantasies so he believes you’re the “woman of his dreams”… this makes him give up those vulgar video games and delete his treasure trove of porn once and for all… 

A common myth is a Sagittarius man would lose interest once he has had sex… Truth is when you discover your sexual compatibility with him, you unleash the inner “sex-goddess” he must worship all night… he won’t be able to let go of you, not even in his thoughts… 

How to fuel a Sagittarian man’s lust burning only for you… This is the holy grail of keeping a Sagittarius man most women are unaware of… he won’t be able to keep his hands off of you even if he has goddesses all around him…

How to defeat all futile resistance from him… without looking cheap or someone you are not…

What are his boundaries in bed… what you should absolutely avoid… smallish stuff that gets under his skin and frustrates him… Discover and avoid these things at any cost…

A “usual” sexual life can wind up your relationship because there’s no challenge for the Archer! I’ll show you how to make him an addict who can’t stop fantasizing about you… NOT some hottie from porn… 

And many more UNSPEAKABLE secrets I can’t even mention here…

But before I give you access to everything… I want to arm you to the teeth with even more secret weapons with a FREE bonus which will blow his mind away.

Here’s a taste of what you get in this free bonus:

And many more secrets to make him feel special and ignite the primal love for you…

Now I’ve something very special for you… you may not need this bonus right now but there will be times when he’ll start drifting away, getting busy, shifting his priority away from you… and then you’ll need it more than anything else…

The killing pain of losing someone feels very raw and real… I’d been there too… but I got timely insights to get my lover back and I want you to have them too…

That’s the reason I’m going to show you step-by-step how to get him back in your arms and your life… because “time” is everything here. 

Here’s a taste of what’s inside:

Avoid the #1 mistake most women make when they try to get a Sagittarius man back…in fact, theywind up terrorizing the poor guy… PLUS: discover the real reasons which could be blocking him to come back to you… 

How to turn the tables on him and make him think he made the biggest mistake of his life by walking away from you… WARNING: never beg to take you back or give you a last chance… this can instantly destroy any progress made to get him back… 

Do NOT engage with him unless you’ve read this first. I’ll show you my “rules of engagement” to make it HIS idea to come back to you… 

learn this now and I can guarantee he’ll be forced to rush back to you… And so much more… Oh and I almost forgot about the next one… this free bonus is going to light a fire in his pants… in a good way.

See, text messages are everywhere… and chances are if he’s NOT reading your messages then he’s probably reading someone else’s… WARNING: common messages turn him off. 

But the good news is you don’t have to become a bestselling author to sow the seeds of seduction with words… I’ll show you simple scripts which can command him to think about you and only you. 

Here’s a glimpse of what’s inside this special bonus:

Exact word-for-word scripts to fire his imagination and fantasies… simply send one message from this list and then sit back, relax and watch him melt through your phone… he’s going to bend over backwards to make you happy… 

Often women send a flirty message either too quickly or too late… Always remember to honor “timing” when texting a Sagittarius man… PLUS: How to speak Sagittarian to steal his heart and keep him forever… 

A Golden Rule Of Thumb you MUST always remember when texting a Sagittarius man… When you develop personalized code words your relationship instantly becomes special… This is the Language of Love he’s secretly yearning for… 

How to break the ice and tickle his desires just by typing a few words on your phone… PLUS: How to handle situations where he doesn’t respond to your messages… 

And many more texting gems.

You can download the complete ‘Sagittarius Man Secrets’, along with all of the bonuses, within just 5 minutes when you decide to order your copy today.

But I get a ton of questions from fans around the world, so I simply can’t manage to help everyone out and yet I can’t let you wonder clueless… so I’ve done something wonderful…

Look, I’ve seen women wait on a man for years barely making any progress and I’ve seen couples surviving more than one affair… and everything else in between… crazy huh?

So if you think your Sagittarius man is worth more than just a few casual dates and you don’t want to lose him… then it makes sense to discover the real picture behind the curtains… And you’ve already seen “Sagittarius Man Secrets” actually works. 

But you’re not going to pay what my private or web clients pay, not even half of it.

You’re NOT even paying the cost of a cup of coffee to consult your friend… not even half of the cost of a cup of coffee… It can’t get simpler and cheaper than this. Can it?

“Sagittarius Man Secrets” cost just 79 cents a day…

Okay, if you’re not blown away with “Sagittarius Man Secrets”… even if you don’t like the font of the guides then just email me anytime in the next 60 days, and I’ll quickly refund 100% of your money with no hard feelings. And in the uneventful case of you being dissatisfied, you can keep all the guides as a gift from me because more than anything I want you to hold him in your arms…But, by and by you must see a change in the way he looks at you, in the way he smiles at you and in the way he holds you… you must feel him getting irresistibly drawn to you… you must feel him craving for you otherwise I personally insist you ask for your money back…

And the reason why I’m so confident is because by now I’ve seen countless women like me attracting the love they wanted.

Take a look again at what you’re going to get today:

Every new order is automatically protected under the 60 days money back guarantee. Before you go here’s the final lesson…

It’s not about a sexy butt, cute face or bigger breasts…

It’s DECISIVENESS. Yes, it’s your will to go after what you want. You must be able to click all the right buttons when it comes to your love life…

All you have to do is click the ‘Add to Cart’ button below… 

then you’ll see CLICKBANK’s secure 256-bit checkout page, enter your card details on the safe page, click the “Pay Now” button and you’ll be directed to a special download page where you get instant access to your ‘Sagittarius Man Secrets’ guides along with all the free bonuses to steal his heart right away…

Click Here To Order ‘Sagittarius Man Secrets’ Risk free

And you’ll also receive a receipt and details about the download page in your email on priority basis, so you can access it whenever you want… In any case you can always contact me from the contacts page. 

Sagittarius Man Secrets comes in PDF format, so whether you’re on a computer, tablet, or Smartphone… or whether it’s 2 AM or 2 PM, whether you’re in the USA, Asia or Australia, you can instantly start attracting your Sagittarius man from the privacy of your home, tucked in your couch, sipping coffee… 

So Click the ‘ADD TO CART’ button now and grab this special offer.

Click Here To Order ‘Sagittarius Man Secrets’ Risk free

May the stars be on your side, Your friend and relationship astrologer,

PS: If you’ve any question, please contact me at admin@Sagittariusmansecrets.com and I (or someone from my team) will get back to you quickly. 

You see I’ve stacked the deck in your favor, but if you ignore this and walk away, then by now you know chances are good that things will stay the same, your stars will stay the same and nothing magical will ever happen to you in your love life.

By and by, you’ll be back to the same old life… attracting the same old men you never wanted in the first place…

And a few weeks from by now probably it’d be too late…

But by now if you’ve decided to try your risk-free offer to unlock the magic held in the stars I congratulate you. Because soon you’ll feel a cosmic shift… by and by, it’s going to be the major reason for your love, luck, and happiness… I can guarantee this.

If you really want to snatch this Sagittarius handsome… and make him commit to you then the time is ripe to click the right buttons…

Now open your hands, feel good and welcome him into your life by just clicking the ‘ADD TO CART’ button below. The clock is ticking.

Click Here To Order ‘Sagittarius Man Secrets’ Risk free

Again, this is Anna Kovach, thanks for reading this. I look forward to seeing you inside and hear about your success. Good Bye Now

DISCLAIMER: Anna Kovach is a pen name and brand name of SagittariusManSecrets.com

ClickBank is the retailer of products on this site. CLICKBANK® is a registered trademark of Click Sales Inc., a Delaware corporation located at 1444 S. Entertainment Ave., Suite 410 Boise, ID 83709, USA and used by permission. ClickBank’s role as retailer does not constitute an endorsement, approval or review of these products or any claim, statement or opinion used in promotion of these products. © Sagittarius Man Secrets 2024. All Rights Reserved

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Click here to get Sagittarius Man Secrets by Relationship Astrologer Anna Kovach at discounted price while it’s still available…

All orders are protected by SSL encryption – the highest industry standard for online security from trusted vendors.

Sagittarius Man Secrets by Relationship Astrologer Anna Kovach is backed with a 60 Day No Questions Asked Money Back Guarantee. If within the first 60 days of receipt you are not satisfied with Wake Up Lean™, you can request a refund by sending an email to the address given inside the product and we will immediately refund your entire purchase price, with no questions asked.

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Dollarama keeping an eye on competitors as Loblaw launches new ultra-discount chain

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Dollarama Inc.’s food aisles may have expanded far beyond sweet treats or piles of gum by the checkout counter in recent years, but its chief executive maintains his company is “not in the grocery business,” even if it’s keeping an eye on the sector.

“It’s just one small part of our store,” Neil Rossy told analysts on a Wednesday call, where he was questioned about the company’s food merchandise and rivals playing in the same space.

“We will keep an eye on all retailers — like all retailers keep an eye on us — to make sure that we’re competitive and we understand what’s out there.”

Over the last decade and as consumers have more recently sought deals, Dollarama’s food merchandise has expanded to include bread and pantry staples like cereal, rice and pasta sold at prices on par or below supermarkets.

However, the competition in the discount segment of the market Dollarama operates in intensified recently when the country’s biggest grocery chain began piloting a new ultra-discount store.

The No Name stores being tested by Loblaw Cos. Ltd. in Windsor, St. Catharines and Brockville, Ont., are billed as 20 per cent cheaper than discount retail competitors including No Frills. The grocery giant is able to offer such cost savings by relying on a smaller store footprint, fewer chilled products and a hearty range of No Name merchandise.

Though Rossy brushed off notions that his company is a supermarket challenger, grocers aren’t off his radar.

“All retailers in Canada are realistic about the fact that everyone is everyone’s competition on any given item or category,” he said.

Rossy declined to reveal how much of the chain’s sales would overlap with Loblaw or the food category, arguing the vast variety of items Dollarama sells is its strength rather than its grocery products alone.

“What makes Dollarama Dollarama is a very wide assortment of different departments that somewhat represent the old five-and-dime local convenience store,” he said.

The breadth of Dollarama’s offerings helped carry the company to a second-quarter profit of $285.9 million, up from $245.8 million in the same quarter last year as its sales rose 7.4 per cent.

The retailer said Wednesday the profit amounted to $1.02 per diluted share for the 13-week period ended July 28, up from 86 cents per diluted share a year earlier.

The period the quarter covers includes the start of summer, when Rossy said the weather was “terrible.”

“The weather got slightly better towards the end of the summer and our sales certainly increased, but not enough to make up for the season’s horrible start,” he said.

Sales totalled $1.56 billion for the quarter, up from $1.46 billion in the same quarter last year.

Comparable store sales, a key metric for retailers, increased 4.7 per cent, while the average transaction was down2.2 per cent and traffic was up seven per cent, RBC analyst Irene Nattel pointed out.

She told investors in a note that the numbers reflect “solid demand as cautious consumers focus on core consumables and everyday essentials.”

Analysts have attributed such behaviour to interest rates that have been slow to drop and high prices of key consumer goods, which are weighing on household budgets.

To cope, many Canadians have spent more time seeking deals, trading down to more affordable brands and forgoing small luxuries they would treat themselves to in better economic times.

“When people feel squeezed, they tend to shy away from discretionary, focus on the basics,” Rossy said. “When people are feeling good about their wallet, they tend to be more lax about the basics and more willing to spend on discretionary.”

The current economic situation has drawn in not just the average Canadian looking to save a buck or two, but also wealthier consumers.

“When the entire economy is feeling slightly squeezed, we get more consumers who might not have to or want to shop at a Dollarama generally or who enjoy shopping at a Dollarama but have the luxury of not having to worry about the price in some other store that they happen to be standing in that has those goods,” Rossy said.

“Well, when times are tougher, they’ll consider the extra five minutes to go to the store next door.”

This report by The Canadian Press was first published Sept. 11, 2024.

Companies in this story: (TSX:DOL)

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U.S. regulator fines TD Bank US$28M for faulty consumer reports

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TORONTO – The U.S. Consumer Financial Protection Bureau has ordered TD Bank Group to pay US$28 million for repeatedly sharing inaccurate, negative information about its customers to consumer reporting companies.

The agency says TD has to pay US$7.76 million in total to tens of thousands of victims of its illegal actions, along with a US$20 million civil penalty.

It says TD shared information that contained systemic errors about credit card and bank deposit accounts to consumer reporting companies, which can include credit reports as well as screening reports for tenants and employees and other background checks.

CFPB director Rohit Chopra says in a statement that TD threatened the consumer reports of customers with fraudulent information then “barely lifted a finger to fix it,” and that regulators will need to “focus major attention” on TD Bank to change its course.

TD says in a statement it self-identified these issues and proactively worked to improve its practices, and that it is committed to delivering on its responsibilities to its customers.

The bank also faces scrutiny in the U.S. over its anti-money laundering program where it expects to pay more than US$3 billion in monetary penalties to resolve.

This report by The Canadian Press was first published Sept. 11, 2024.

Companies in this story: (TSX:TD)

The Canadian Press. All rights reserved.

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Amazon rejects plea to stop selling taxi roof signs as cab scam spreads across Canada

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After a long day at a work event in July, Kathryn Kozody was relieved when she spotted a car with a lit-up taxi sign.

She thought it was odd when the driver told her she’d have to pay her fare with a debit card. Still, a tired Kozody hopped in the car.

“I was like, ‘Fine, it’s kind of weird, but let’s go home,'” said Kozody, who lives in Calgary.

Nothing else seemed off — until the next day when she discovered that almost $2,000 was missing from her bank account. On top of that, her debit card had someone else’s name on it.

Kozody concluded that the taxi driver was a fraudster who, during the debit card transaction, recorded her PIN, stole her card and handed her back a fake.

“I started freaking out,” she said. “It’s terrifying when they have your debit card.”

It took Kozody about two weeks to get her money back from her bank, and she’s still rattled by the experience.

 Kathryn Kozody standing on the street
The day after taking what she thought was a ride in a taxi, Kathryn Kozody of Calgary found out someone had withdrawn almost $2,000 from her bank account. (James Young/CBC News)

“It really felt like an invasion of privacy and a violation to be a victim of this scam,” she said. “I really don’t want it to happen to anybody else.”

The taxi scam isn’t new; Toronto and Montreal have been seeing it for years. But the crime is becoming more widespread.

This summer, police in Calgary, Edmonton and at least five cities in southern Ontario, including Kingston and Ottawa, posted warnings online that they had received multiple reports of the scam.

Police and the Canadian Taxi Association say the fraudsters have a helping hand: with the click of a button, they can purchase a generic — but official looking — taxi roof sign on e-commerce sites like Amazon.

A Facebook post by the Edmonton Police.
Edmonton Police posted this alert on Facebook in July, warning people about an ongoing taxi scam. The city’s police department says that it received about 10 reports of the scam that month. (Edmonton Police/Facebook )

The taxi association has asked Amazon, by far Canada’s most popular online shopping site, to stop making the roof signs so easily available.

“They do have a moral responsibility to at least sell the signs to individuals that are properly licensed,” said association president Marc André Way.

However, the U.S.-based company continues to sell the product to all customers.

“These lights are legal to sell in Canada,” Amazon told CBC News in an email.

‘Eye-popping’ numbers

The taxi scam has several variations but typically ends the same way: the victim pays with a debit card, then the scammer secretly steals it and hands the victim a similar but fake card. Shortly thereafter, money disappears from the victim’s account.

Ron Hansen, deputy chief of police in Sarnia, Ont., said his department received 12 reports of the scam in July, with one victim losing $9,900.

Toronto police report that since June 2023 the department has received 919 reports of the taxi scam, totalling $1.7 million in losses.

Jessica Chin King standing on the street.
Jessica Chin King of Toronto said after a recent cab ride, she got a suspicious activity alert from her bank. She learned $600 had been withdrawn from her account. (Craig Chivers/CBC)

The numbers are “eye-popping,” said Toronto police detective David Coffey.

“When they do get a victim, they are quick to go right into the bank accounts. They’re quick to empty them out.”

Jessica Chin King of Toronto said just 15 minutes after a recent cab ride, she got a suspicious activity alert from her bank. Turns out, $600 had been withdrawn from her account.

“I was like, ‘Wow, I can’t believe that just happened.’ I was in shock,” said Chin King, whose bank later reimbursed the cash.

She said she too was fooled by the taxi sign atop the car.

“I was in the car with somebody who wasn’t a taxi driver. Anything could have happened,” she said. “I was thankful that it was only my bank [account] that was compromised.”

Taxi light for $35 on Amazon

CBC News bought a taxi sign from Amazon for $35. It has a magnetic strip on the bottom, so it easily sticks to the top of a car.

To power the light, an attached wire can be run through the driver’s window and plugged into the car’s auxiliary power outlet, also known as the cigarette lighter outlet.

The taxi association says licensed taxi drivers typically get their roof signs from speciality suppliers, and they are hardwired to the car — not powered via the cigarette lighter.

“When you see that … it’s obvious that it’s not a legitimate taxi,” said Way, the association president.

Last month, Way sent Amazon a letter on behalf of the Canadian Taxi Association, asking it to stop selling the product.

“This is not a safe, practical way to distribute the trusted ‘Taxi’ signs,” he wrote.

A yellow taxi sign with an attached wire.
CBC News ordered this $35 taxi sign on Amazon. The attached wire can be run through the driver’s window and plugged into the car’s auxiliary power outlet, while the lights for licensed drivers are hardwired into the vehicle. (Sophia Harris/CBC News)

But Amazon told Way — and CBC News — the signs will remain on its site, because the company isn’t breaking any rules.

“It’s going to be quite difficult, I think, for anyone to stop Amazon from selling a product that is perfectly legal to sell,” said Toronto criminal lawyer, Daniel Goldbloom. “It’s true that these taxi signs can be used to commit scams, but kitchen knives can be used to commit murder — and we don’t stop retailers from selling those.”

But Way isn’t giving up hope.

He says the taxi association also plans to ask other online retailers, such as Temu and eBay, to stop selling the taxi signs and will lobby provincial governments for legislation that regulates the sale of the product.

However, Coffey said he believes the best way to fight the taxi scam is to educate people about it.

“Never, never give another person control of your debit card,” the detective said.

Victims Chin King and Kozody also want to spread the word.

“The more people know, the less likely it is to happen again to somebody else,” Kozody said.

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