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Ex-Employees Share Allegations Of Shady Practices At Canada's Banks

A committee of federal MPs was hearing testimony from ex-bank workers as it examines accusations of questionable — and even illegal — sales practices by some of the country's largest financial institutions. The headquarters of RBC, Bank of Montreal, CIBC and Scotiabank in Toronto's business district. The committee launched the hearings following a number of CBC reports citing unnamed employees at some big banks who allege they were pressed to sell unnecessary products and services in order to increase revenues and meet lofty sales targets. The report named all five of Canada's major banks: RBC, BMO, TD, CIBC and Scotiabank. "It is absolutely profit before anyone else — it certainly has nothing to do with servicing the clients, as far as I could tell,'' witness Sally Watson, who worked for Scotiabank for 33 years, said when asked about the industry's culture. "I think what's shocking is how long this has been going on without anybody ever making a fuss about it — and I think it's time a fuss was made.'' Some of Watson's remarks focused on her time working for the bank a couple of decades ago. She also noted that her allegations on the more-recent culture at the bank came from second-hand accounts. Watson also credited the scandal at Wells Fargo in the United States for encouraging Canadian employees to come forward with their own concerns about the industry. Wells Fargo was fined US$185 million last year after employees opened more than 2 million fraudulent accounts in their effort to hit imposing sales targets. After its initial report, CBC said it received nearly 1,000 emails from employees of Canada's five largest banks, alleging they felt pressure to "upsell, trick and even lie to customers'' to hit targets that are constantly monitored. All five banks have denied the claims, defending their practices and insisting that they put the needs of their clients first, regularly seek employee and customer feedback and address any inappropriate behaviour.

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Make Every Moment Count: Get Fit Today

If you want to live well you need to stay in shape throughout your life or else you will not be well in later years. However, it is very hard sometimes to know how to keep yourself in tip top shape. There's information on fitness everywhere, and it isn't easy to know what advice you should trust. These tips can get you in shape.

By adding variety to one's routine, the body will receive maximum benefits. If someone typically runs on a treadmill, for instance, he or she can change it up by jogging around the neighborhood. Running up a hilly sidewalk will result in different muscles being used and challenged. If you vary your exercises, your body will not be able to settle into routine, and your weight loss will keep improving.

Simple push-ups can do wonders to tone your triceps. But if you want to truly tone your triceps, then try and turn both of your hands 45 degrees so that your fingers face one another. Those triceps will melt like butter then harden like stone beneath the stress of these high-quality push-ups.

When weight training, begin with the small muscle groups. Small muscles tire out before the large ones, so use dumbbells before moving on to the larger machines. Also, this process can create a better transition when you lift heavier weights.

You can build stronger legs by doing wall sits. To start, find a clear space of wall that will easily fit the width of your body. Then, position yourself facing away from the wall, with your feet about eighteen inches away from the wall. Lean back against the wall and bend your knees. Continue to squat until weight lifting grip|Canada your thighs are level to the floor and you reach a sitting stance. You should keep this position as long as possible.

Try exercise you do not enjoy and try them out. The rationale being that people are more inclined to avoid doing their weakest exercises. Keep practicing and adding to your routine, and it will soon make you less resistant.

Endless crunches do not necessarily equal a six pack. Although these exercises strengthen your abdominal muscles, they will not burn belly fat. If you are seeking a six pack of ab muscles, you have to cut down your overall body fat levels with dietary improvements and lots of cardio, on top of your weight lifting.

When lifting weights, remember that more repetitions with lighter weights will add more muscle mass than doing fewer reps with heavier weights. Muscle mass does not just entail lifting the most weight. It also requires being able to endure an exercise for a long time without losing your strength. This method is utilized by some of the most successful lifters.

You can boost the effectiveness of working out by controlling your breathing. Try forcefully exhaling when your effort is at the heaviest level, whether you are doing crunches, pushups or bench presses. Deep exhaling causes the muscles in your abdominals to work harder than normal because they are constantly contracting.

Making a schedule for your day is vital to making time for exercise and meal planning. If you do not have a schedule of fitness and meals, you could find yourself caught out in public on a lunch break and end up eating some unhealthy fast food because you are in a rush. Planning ahead will allow you to keep healthy snacks on hand, as well as keeping your fitness regimen on time.

In addition to doing crunches, add some real sit-ups to your exercise program. This value of this particular exercise has been underestimated in recent years. Avoid doing sit-ups when your feet are anchored to a piece of furniture. These can injure your bad.

It is important to exercise muscles that you previously exercised the previous day. This is an easy way to work on muscles that are tired expending very little effort.

As with most things in life, it is best to be knowledgeable about something before you do it. It doesn't matter if you want to casually get into shape, or if you are diehard about it, education is helpful. Use these tips to get yourself in better shape.

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