ISSUE 21 | JULY 2016
“CHANGE IS NEITHER QUICK NOR EASY”
SHAUN CHEN MP LIBERAL PARTY
IT’S TIME FOR AN OFFICE MAKEOVER P.23
EXAMPLES OF GOOD EMPLOYEE BEHAVIOUR P.28
THE BIGGEST QUESTION FOR THE I N T E R N E T P. 2 4
SHOE TRENDS TO FOLLOW FOR SPRING 2016 P.32
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EDITOR'S NOTE Dear Readers, We lcome to our July issue, we open up our doors to you this month and bring you an exclusive one on one interview with Scarborough's young and dynamic MP Shaun Chen. Flip through our pages as Shaun's shares insights, advice and experiences of his journey dedicated to public service and to the people of Scarborough. As usual we have attempted to cover all the latest business happenings in Canada to bring you the best in one magazine. We hope the magazine is entirely to your lining and hope that you appreciate our efforts to bring you the best. We are glad to win more readers to our magazine and are putting in maximum efforts to provide you with a complete business magazine experience. Keep writing to us and subscribe to MB Business Magazine and receive your copy at your doorsteps! For feedback or comments, please call us at 1-866-667-1377 or email us at mbe-marketing@mbeforyou.com. Thank you, Aurora Zabala. Editor In Chief
CONTENTS
04
Exclusive Interview
06
MB GLobal Solutions
08
How To Get It Right
11 12 14 16 18
MP Shaun Chen (MP Liberal Party)
That add value to your business
Many organizations are using intelligent virtual assistants in mobile apps
Top 10 Tax
Resolutions to help you make the most of your money in 2016
19
Benefits of Work Experience
20
Morning Person
26
Features That Home Buyers
29
Banff National Park
Cross-Border Payments
Today, there are more people transacting across borders in larger sums than ever before
A Bad Idea?
As old established brands are dropped
Your Future
How to analyze your life and your future
Night owl become a ‘morning person’
uying a home is a big leap, so it is no surprise that buyers can be picky when it comes to their choices.
Everything you need to know about visiting banff national park and the canadian rockies
Senior Editor Peter Z. Vaisey Managing Editors Steve Montgomery Design Cynthia Tolson A. Khan Z. Zaidi Production, Technology & Print Simon Wilson R.J Advertising S. Hassan Shoeib Kamal Administration Alamdaar Hussein Erum Asghar R. Adil HOW TO REACH US Website: www.mbeforyou.com Feed-back: 1-866-667-1377 E-mail: info@www.mbeforyou.com Mail: 100 Dynamic Drive, Unit 104, Scarborough, ON, M1V 5C4. Fax: 1-866-204-6888
30
Nutrition Mistakes of Runners Eating too much protein, Sports drinks and energy gels all the time, Coconut water is the perfect post run refuel.
MB Business Magazine is a monthly issue business magazine published by MB Enterprises Ontario, Canada.
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INTERVIEW
MP SHAUN CHEN MP Liberal Party
I took my oath of office.from For me Shaun always MB: Mr. Chen we wouldMB: like Mr. to start bywould like the that localwas higha schoolMP next to the Chen: place I have Chenoffwe to start off by MP’s in thebelieved current governmen congratulating you and your party’s recently reminder myself growing up in that education is a social equalizer. Itlooked allowsup to by the congratulating you and your party’sofrecently certainly be where I was signing my oath. For me that formed government. Canformed you please start government. Can Scarborough, you please start youththe thatprevious is looking to get invo getting involved in thewhat I did growing us to achieve represented up in what perhaps this interview off by telling how your thisus interview offfirst by telling us how your politics and government. Can y community andfirst chairingScarborough the Scarborough generation was not able to. My parents are which was getting involved in experience in the government went in and experience thehow government went and how on how important education is Youth Council. Making amany positive difference Hakka activities and causes in theChinese who were born and raised the first six months havethe been? first six months have been? up and what is your specific me in the lives of others is why I chose to be in in India, and they moved to Canada in the community. the current youth that is lookin MP Shaun Chen: MyMP firstShaun experience Chen: My first experience public service. My first six months as an 1970’s. My parents never got the chance as a role model? was when I stepped intowas thewhen Parliament for into the Parliament for I stepped MP has truly been a whirlwind. We have Wardentoand go Finch to university I grew up around and to because when they MP Shaun Chen: I have alwa my swearing-in ceremony last November. It my swearing in ceremony which was in focused on the mandate that Canadians came to Canada, this day still live in Scarborough.as a young building up a new life that education is a social equa was strong feeling of humbleness, November. It was strong feeling of have given us. It is humbling to be part of earliest meant working hard, putting food on the person. One of the experiences us to achieve something perha responsibility, and a sense of direction after humbleness, responsibility and a sense of the incredible change inthat ourmade country. payinginthe bills. They worked me want to gettable moreand involved previous generation was not a really hard to ensure that I had the achieve. My parents are Hakka opportunities they did not have. I that grew up in India and move experienced their struggles, and that is why in the 1970’s. My parents neve I developed a strong work ethic, growing chance to go to University bec up as a child of an immigrant family. That is they came to Canada rent and why I am very proud of the work our life was more important than government is doing to help the next post-secondary education at t generation succeed. Too many young parents worked really hard to g people are graduating and not finding work generation the opportunity to s in the right fields, ending up getting was very fortunate that I was a contract or temporary work. Our Prime the most of those opportunitie Minister is also the Minister for Youth, and school and work hard. that says a lot about the priorities of our government.
As a member of the new gove
it is the responsibility of the go MB: How is this current government going help young people who are gr to help stimulate the economy and in good degrees succeed. Too m particular how can we expect the people graduating but are government to help smaller andare mid-size
work in the right fields and end businesses. helping the community took place when I MP Shaun Chen: Ourcontractual governmentwork or temporary the campaign. I was joined by a group of long campaign. I was direction after the MB: Shaun as you are one thechair youngest wasofthe of the Scarborough youth youth of our nation is a very im realizes that small and medium-size supporters, volunteers and young people joined by a group of supporters, MP’s in young the current government you will The youth council had council in 1998. for this and that c businesses are the bedrock of government our who had worked with me. Thatwho was had mostworked certainly people with me and that up to by the current be looked organized a conference call which was best by the fact that our curren economy. We are supporting these important to me, havingwas the people that youththat thatthe is looking to get involved in the most important thing held to discuss sensitive issues such as is alsoThe the Minister for politics andtogovernment. Can you shed light businesses by growing Minister the economy. made it possible for mepeople to be elected that made it possible for me be racism and sexism and how they were a on how important education is in growing importance of these businesses can be present with me that day. My favorite elected were present with me that day. My problem in our community. andawhat is your specific message for MB: How isNorth, this current govern seen in our riding of Scarborough picture of that day was favorite taken with me and picture of that dayupwas picture current youth that is looking up to you to help stimulate the economy which is home to lively small businesses. a dozen youth from localtaken highwith schools afterabout the me and a dozen youth MB: Shaun as you are one of the youngest as a role model? particular how can we expect t
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MB BUSINESS MAGAZINE JULY 2016
Our government is now also committed to would have an equal number of men and o help smaller and mid-size As a government we havespend committed an Canadians succeed, so do Canadian gender equality in our country. up to 60 billion dollars on women in cabinet. Once the cabinet was
additional $60 billion for infrastructure Chen: In terms of supporting infrastructureinso we canbusinesses. stimulate the announced it was praised all over the world MB: Mr. Chen apart from politics and work orderrealizes to stimulate We will ur government that the economy. economy. We want to spend this money and this was very important for me as a how do you like spending your time? Any MB: Mr. Chen your government has investments infrastructure, dium size make businesses are thein public towards infrastructure, transportation, member of the Liberal party. hobbies or particular activities you enjoy stressed a lot of importance on the equal transit, affordable community ur economy. Our support is housing, public infrastructure, affordable housing, during your time off? rights of women. This can be seen primarily and also green initiatives. All centers these and towards helping le towardscentres these businesses community Moving forward a number of women’s in how your party has decided to make an MP Shaun Chen: I love to travel and projects will come out of our this environment. new funding, All these projects which rtance of these businesses issues have been taken upon personally by equal number of women and men in experience different cultures. I enjoy creatingofmany new jobs and also atout theof this new funding will not n my community will come the new government. For example an Cabinet. Moving forward how is your party different types of food. Growing up a same making a meaningful impact on North where thetime major only create many new jobs but willasalso at inquiry intowalks the case aboriginal using this example so that in all of of missing Canadian of Hakka Chinese descent and ourfilled communities. income area are all with lively Our middle-class the same time make a meaningful impactwe havegirls wasequality? set up as this was an issue that life and business similar Indian heritage in an increasingly tax cut and new Canada on Child will ses. ourBenefit communities. We very hopeful was very seriously MPare Shaun Chen: Our Prime Minister has taken by our multicultural city, my background and also help many Canadianoffamilies. creatingWhen this upward made cycle but will take government. it a itpriority to promote gender Women more often than not upbringing allowed me to experience what time and a lot of hard work from and all the seem to equality, I am very proud of be thepaid less than men, seem to it is like to be a global citizen. Although I do various fields and people involved. be the victims changes we have made. When the of violence more and more not have much free time with my new role, I often than seem to be the caregivers. cabinet was announced, therenot were hope to be able to continue traveling and MB: Mr. Chen your government has andThese arethe all first issues that are illegal and equal women men for spending time with family and friends. stressed a lot of importance the history. have to be addressed and overall this is a time on in our Moving equal rights of women. This can we willconversation keep forward, continue to we as a country MB: Tohave ďŹ nishtothis interview can you please be seen primarily in how your having. address issues concerning the give a personal message for our readers. party has decided to make an rights of women. For example, MP Shaun Chen: I would like to say that equal number of women and MB:the Mr.cases Chen of apart fromchange politicsisand workquick nor easy, but the inquiry into neither men in Cabinet. Moving how dowomen you like spending your time? Any missing aboriginal together with the community we can work forward how is your party hobbies or particular activities you enjoy hard to make a difference. It is by finding using this as example soand thatgirls is an issue being during your time off? taken very seriously by our in all walks of life and common ground that we can make MP Shaun Chen: I love to travel and government. I would like us business we have similar positive changes to make Canada an even experience new cultures. I love different equality? to also highlight issues with better place. of food and certainly growing up in a MP Shaun Chen: Ourrespect to types women in the Chinese and Indian background I was Prime Minister has made it a workplace. Research shows lucky enough to experience some great top agenda of his to promote that women more often than food in my childhood. Ever since I have equality in women and men. not are paid less than men been elected though I have not had much Right at the start of the for the same work. This is not off as I have been focusing on my campaign he made this right, andtime we must address work and how I can make this community a clear when he this and other issues better place. announced in advancing that he
the MB: To ďŹ nish this interview can you please give a personal message for our readers. MP Shaun Chen: I would like to say that my team loves the support we are getting from the community and together with the community we can work hard to fulfilling our commitments. I am looking forward to working with everyone in this community regardless of political affiliation or profession. Together we can make the positive changes that are required that will make our city and country a better place.
06
MB BUSINESS MAGAZINE JULY 2016
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MB BUSINESS MAGAZINE JULY 2016
07
Why Customer Service Is Marketing and
HOW TO GET IT RIGHT
Courtesy: GREGORY PAL www.destinationcrm.com
In today's marketplace, savvy
a figure significantly higher than what was
when the customer calls, greeting them
businesses are using unique
reported in 2014 (56 percent). This means
with a personalized message and the
technologies to up the ante on
that customers are becoming even less
specific facts about their situation, saving
customer experience across all
willing to accept inferior customer service.
time, easing frustration, and improving the
channels—phone, mobile, text, and
And the prevalence of social media venting
experience.
Web—which translates into customer
means that marketing professionals must
retention and higher sales..
be vigilant about maintaining a positive
Using speech recognition, natural language
brand perception.
understanding, and other conversational
C
ustomer service is
forms of engagement, organizations can
marketing: When a customer
Intelligent Multichannel Self-Service
make the service experience easier and
interacts with a business's Web
To avoid a hit to a brand and to the bottom
more "human," allowing customers to
site, over the phone via the interactive
line, businesses are deploying intelligent,
simply say what they mean instead of
voice response (IVR) system, or through a
connected customer self-service solutions
forcing them through phone trees, menu
mobile app, a valuable opportunity is
that maintain context and persistence of
mazes, or multiple taps.
presented for marketing professionals to
interactions across multiple channels. For
Many organizations are using intelligent
create or reinforce a positive brand
example, when a customer receives a flight
virtual assistants in mobile apps and on
perception, an important factor in customer
delay text message with a number to call to
Web sites to provide customers with the
retention. Yet this notion gets frequently
take an action, an intelligent, connected
answers and outcomes they need quickly
overlooked, and ultimately the brand, the
self-service system will have the context
and easily, and these assistants can even
customer experience, and the overall bottom line suffer as a result.
anticipate needs by analyzing data from customer responses. In many cases, customers can converse
A recent Wakefield Research survey
with a virtual
of 1,000 U.S. adults quantifies the impact. Eighty-seven percent of respondents reported that customer service has a significant impact on their decision to do business with a company. Two thirds reported that when an experience with a company is negative, they ceased doing business with that company,
08
MB BUSINESS MAGAZINE JULY 2016
assistant as naturally as talking with a
that so many of consumers who've used
human agent, and mobile app assistants
voice biometrics say they prefer it over
can leverage consumers' comfort in
traditional methods.
conversing with their phones rather than a live agent at the other end. A good virtual
Wakefield Research's survey showed that
assistant highlights the relationship
consumers tend to take positive action
between customer service and marketing
after a good customer service experience.
in today’s digital world, in that a virtual
Voice biometrics and virtual assistants are
assistant can adopt a persona that
two examples of technologies that can
matches the company’s branding.
improve that customer service experience, whether they call, use their mobile app, or
Virtual assistants also provide highly
visit a Web site. These interactions are key
personalized service, greeting customers
marketing opportunities, so by providing a
by name and asking if they're calling about
positive customer service experience every
tomorrow’s reservation or items just added
time, no opportunity to secure positive
to their online shopping cart. If a customer
brand perception goes wasted.
needs to speak with a live agent, the assistant can send the agent information about what was being addressed in the app so callers don't have to waste time providing the same information again. These kinds of fast, stress-free interactions can drive sales because customers are more willing to listen to a pitch once the agent is finished. All of this adds up to a concierge-style customer service experience that makes customers happier and more receptive to hearing about new products and promotions. Eliminating the Security Gauntlet Arguably, the biggest frustration for customers is navigating security hurdles in authenticating identity, which is why many banks and other businesses are implementing voice biometrics. This technology eliminates the need for PINs, passwords, and security questions, allowing customers to record a brief phrase—such as "My voice is my password"—that becomes their voiceprint. Subsequent interaction with that business's IVR or mobile app compares their voice to the voiceprint for simple identity verification. Additionally, voice biometrics slashes authentication time to as little as five seconds, a reduction of up to 80 percent versus traditional methods. It's no wonder
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TOP 10 TAX
Resolutions to help you make the most of your money in 2016
Courtesy: JAMIE GOLOMBEK www.business.financialpost.com
M
y top 10 tax resolutions for
Canada Education Savings Grant. You may
funds to the lower-income spouse or
minimizing your tax burden and
also be able to catch up on missed
partner to invest at the record low
maximizing your financial
CESGs from prior years.
prescribed rate, which is at one per cent
position in 2016.
until at least March 31. 4. Consider opening up a registered
Here’s how you can find all your tax info in
disability savings plan (RDSP) for a family
7. When planning your charitable giving for
one place
member with a disability. You can
2016, consider donating appreciated
contribute up to $200,000 over the
securities directly to your charity of choice
Markus Schreiber/AP Photo Sign up for
disabled beneficiary’s lifetime, which may
and eliminating tax on any accrued capital
this service with Canada Revenue and get
be augmented by up to $90,000 in
gains.
all your tax info at your fingertips, including
Canada Disability Savings Grants and
how much room you have left in your
Bonds.
RRSPs and TFSAs.
8. If you’ve maximized your RRSP, TFSA and RESP contributions and have paid
5. Take advantage of the new “home
down all your debt, look into investing in a
1. Contribute $5,500 to your TFSA for
accessibility tax credit.” If you’re a senior or
permanent life insurance policy. The tax
2016. Last year’s TFSA dollar limit was
a person with a disability (or family member
rules are changing at the end of 2016, so
$10,000 so if you didn’t maximize your
who lives with them), you may be able to
now is the ideal time to purchase such a
2015 contribution, you can still do that this
claim then new HATC credit, worth up to
policy to maximize the tax sheltering
year as well.
$1,500, which was announced in the 2015
available within these products.
federal budget, and starts in 2016. It’s a 2. If you expect to be in a lower tax bracket
non-refundable credit that provides federal
9. Make sure your will is up to date. If you
when you retire than you are this year,
tax relief of 15 per cent on up to $10,000
haven’t updated your will in some time,
consider making an RRSP contribution.
of eligible expenditures per calendar year,
why not resolve to have it reviewed in 2016
While much of the focus over the next 60
per qualifying individual.
to ensure that it still jives with you
days will be on the 2015 contribution
testamentary wishes.
deadline of Feb. 29, 2016, why not get a
6. While income splitting for families,
head start on your 2016 contribution. The
known formally as the Family Tax Cut, was
10. Plan now to avoid a tax refund next
RRSP limit for 2016 is the lesser of 18 per
eliminated for 2016, you may still be able
spring. If you regularly get a large tax refund
cent of 2015 earned income or $25,370.
to do some income splitting by taking
each spring, consider applying for a
advantage of the historically low prescribed
reduction of tax at source using CRA Form
3. If you’ve got kids under 18, be sure to
rate. If you have a spouse, partner or kids
T1213. Unfortunately, this needs to be
contribute at least $2,500 to each child’s
in a lower tax bracket than you, consider a
repeated annually.
registered education savings plan (RESP)
prescribed rate loan strategy whereby the
this year to take advantage of the $500
higher-income spouse or partner loans
MB BUSINESS MAGAZINE JULY 2016
11
Five Things to Look for in
CROSS-BORDER PAYMENTS in 2016 and Beyond
Courtesy: www.businesswire.com
Flywire CEO Mike Massaro weighs in
demographic
more common, consumers are looking for
on the future of global payments.
Today, there are more people transacting
the most convenient, cost efficient and
across borders in larger sums than ever
transparent options. This is driving more of
s the payment landscape
before. This group does not feel bound by
these transactions to web and mobile
continues to shift − driven by an
borders in terms of lifestyle, access or
channels vs. traditional agent-based and
increasingly global economy,
A
travel. They are spending increasing
bank-based options. Web and mobile
the adoption of more digital-only channels,
amounts on goods and services outside
channels offer the ability to track payments
and increased concerns over security and
their home countries, resulting in dramatic
instantly, confirm receipt and better
transparency − Mike Massaro, CEO of Fly
growth in cross-border payments – for
understand the fees involved. The
wire (formerly Peer Transfer) weighed in on
education for their children, for medical
traditional agent-based model, while still
the future for global payments. One area in
care, for real estate and for other offerings.
sizable, will continue to diminish in
which he anticipates significant growth as
Businesses looking to appeal to this
importance as Millennials and GenXers
well as continuing change is larger,
growing and affluent segment must take
gain affluence. Banks are already being
cross-border payments.
steps to reduce the friction in today’s
forced to consider new forms of service
cross-border payment process.
delivery, as legacy models and fee
Massaro calls out five areas to watch in
structures diminish in relevance for younger
2016 and years to come.
2. An Increasing preference for digital channels for large cross-border payments
segments who do not consider themselves
1. The emergence of a new “global citizen”
As large, cross-border payments become
patronize.
bound by the banks their parents
3. A stronger focus on compliance and transparency with the threat of terrorism With ever-increasing terror threats and the focus on cutting-off financing sources for nefarious acts, we can expect to see a much greater emphasis on transparency and compliance. Any entity processing large, cross-border payments will need to be able to verify sources and recipients with increasing precision and certainty;
12
MB BUSINESS MAGAZINE JULY 2016
ensure strict compliance with
million by 2025. In the US alone, almost 1
more global, it’s essential that we remove
anti-money-laundering laws; and be able to
million international students from 220
the barriers that exist in traditional
provide detailed transaction reporting.
countries spend an estimated $27B in
channels,” said Massaro. “As we do, the
tuition and living expenses. It’s a big
volume of cross-border money movement
4. Increased demand for support services related to cross-border payments
business – and getting bigger every year.
will grow and open up tremendous
Entities accepting large, cross-border
International Patient Care – Patients
and consumers around
payments in any significant volume will also
Beyond Borders estimates that the
the world. “
need to be able to provide ancillary support
worldwide market for International Patient
services related to those payments. With
Care (sometimes referred to
consumers from around the world making
as “Medical Tourism”) is at $40
large payments in different time zones,
billion today, and growing at a
24x7, multi-lingual, Omni-channel
rate of 15-25%. Patients are
customer support – including phone, email,
traveling abroad from all over
chat, text and social media – becomes
the world for access
essential.
to more affordable procedures,
5. Significant growth in large cross-border payments in two specific markets Education - in 2014, 4.5 million students from around the world attended schools internationally according to Open Doors. That number is expected to grow to 8
opportunities for businesses, institutions
shorter wait times, and the latest advancements in medical care. “Cross-border commerce and money movement is complex but as the world becomes
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MB BUSINESS MAGAZINE JULY 2016
13
The pros of a permanent
LIFE INSURANCE POLICY
Courtesy: Tim Cestnick www.theglobeandmail.com
F
or the last two weeks I've been
Reserve (MTAR limit - now there's a piece
Whole life policies offer level premiums (the
talking about life insurance and
of information that will make you the life of
same each year) for the rest of your life. It's
its role in tax and estate
the party at that barbeque this weekend).
also possible to have limited pay periods
planning. There are basically two types of
But the limit is generous. As a general
where, for example, you pay the premiums
life insurance policies: Temporary, and
guideline, for every one dollar in mortality
for a period of five or ten years, then no
permanent. Today, let's focus on
charges (the portion of the premium that
more premiums will be required after that.
permanent life insurance.
covers the pure cost of insuring your life)
As the owner of a "participating" whole life
you can add about three to four dollars to
policy, you'll be entitled to dividends from
In most cases you're going to want to
the accumulating fund (the investment
the insurance company. "Participating"
purchase a permanent life insurance policy.
component of the policy).
simply means that you may participate in
Why? Because temporary, or term,
the profits of the insurance company.
insurance can't be renewed after about
The investments grow on a tax-sheltered
You can also purchase non-participating
age 80, so if you die after that age, the
basis inside the policy, and can be paid
policies, but this is less common. You see,
policy won't help at all. Sure, if the purpose
out, along with the face value of the policy,
the participating whole life policies that our
on a tax-free basis when you pass away.
clients have looked at in recent years have
of the life insurance is to provide for a temporary need (such as covering loan amounts owing or providing for minor children), then term insurance will often fit the bill, but many of the reasons you might buy life insurance will require permanent insurance. Permanent life insurance comes in three general types: Term-to-100 (which I spoke about last week), whole life, and universal life insurance. Permanent insurance will continue in force until your death, regardless of what age that might be, as WHOLE LIFE
No, you're not going to shoot the lights out
Now, with a whole life insurance policy,
with the returns, but there's a lot to be said
One of the interesting things about whole
each dollar of premiums is split into parts:
for lower volatility. Last year, for example, it
life and universal life insurance is that you
One part covers the mortality charge, one
was not uncommon to find participating
can accumulate investments inside the
part covers administrative expenses, and
whole life policies paying a dividend of 7 to
policy. Now, there's a limit to how much
one part goes into the investment
8 per cent. Not bad in a year when most
you can accumulate inside the policy. This
component of the policy - the
portfolios took a beating.
is called the Maximum Tax Actuarial
accumulating fund.
long as you pay your premiums.
14
provided incredibly steady rates of return.
MB BUSINESS MAGAZINE JULY 2016
UNIVERSAL LIFE Universal life insurance policies are much
A universal insurance policy also offers the
like whole life policies, except that the three
flexibility of changing your premium
key components of the policy are
payments periodically. As a minimum you'll
separated: Mortality charges, administrative
have to pay the mortality charge, but then
expenses, and the investment component.
you can deposit any amount over and
Under a whole life contract you have no
above that to build up assets in the
say in how the money in the policy is
accumulating fund (up to the MTAR limit).
invested. Not so with a universal policy, where you will actually have to choose the
I wouldn't generally purchase a
specific investment products you want to
universal policy if you don't
acquire under the policy.
intend to build up the investments in the
My experience has been that most people
policy, because it may be
do a terrible job at choosing these
cheaper to buy a Term-to-100
investments. These investments should be
policy instead - but check this
factored into your overall asset allocation
with your insurance adviser.
when designing your investment strategy. Further, to the extent you are going to hold fixed income investments in your portfolio, holding them in your insurance policy (and your RRSP) makes sense to shelter from tax the interest income that would otherwise be highly taxed.
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MB BUSINESS MAGAZINE JULY 2016
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15
Global Legal Publishing
A BAD IDEA? I
Courtesy: Gary P. Rodrigues www.slaw.ca
n Canada and elsewhere, we
law provinces of Canada. Juris Classeur
flourish and grow when acquired and
have seen a seemingly endless
played a similar role in selling civil law
consolidated into international
series of reorganizations in the
publications in Quebec.
publishing groups.
pattern is one characterized by the
As well, there was some demand for legal
Another source of the growth was the
acquisition of smaller legal publishing
information from the United States, most
opportunity provided by the digital
houses, followed by serial changes in their
notably in commercial law subjects, but
revolution and the belief that the creation of
reporting lines, and ending with their
also cases dealing with human rights in the
national and global databases of legal
disappearance altogether, as old
early years after the Charter of Rights and
information by migrating data from hard
established brands are dropped and
Freedoms took effect.
copy would be a bonanza for legal
multinational legal publishing houses. The
replaced by the corporate brand. These
publishers. Global platforms would be built
changes are attempts to conceal a sad
Unfortunately, the demand for this tional
to meet what would prove to be the
truth – that “global legal publishing” has
information in Canada had peaked by the
perceived demand for international
proven to be a bit of a bust. Was it a bad
time that Thomson, Reed Elsevier and
legal information.
business idea in the first place, or merely a
Walters Kluwer determined that there was
good idea that was overwhelmed by
a great future in global legal publishing. For
As it happened, the digital future did not
unforeseen developments. The Canadian
whatever reasons, the multinationals were
unfold as expected.
experience may provide a few insights into
blind to this fact. The Digital Future
the matter. Limited opportunities for growth
Legal publishing was a small business then
The belief in the digital future was absolute
and remains a small business today.
and all pervasive. In the corporate
Global Legal Publishing always had limited
boardrooms, everyone was an expert and
opportunities for growth. The practice of
Why legal publishing?
definitive on all matters digital, even as the
law is primarily domestic. If a matter arises
The strategy to acquire legal publishing
ground was shifting underfoot. For a time,
in another jurisdiction, the general practice
houses was based on the view that these
technology was “god”, as everyone raced
is to obtain the services of a lawyer in that
businesses were exempt from market
to absorb and restate the techno-babble
jurisdiction to advise and handle the matter.
fluctuations because they sold essential
spouted by these new masters of the world
In Canada, lawyers rarely research the law
products with to a profession dependent
of legal publishing. In fact, no one really
in another province let alone in
on access to current and authoritative
knew what was coming.
other country.
legal information. Missing was a realistic plan to transition
16
The use of legal information from other
As important as the dependent relationship
from print to digital. Missing was any
jurisdictions is primarily a leftover from failed
with the legal profession was the belief that
understanding of the pace of change and
empires. Canada was one of only a
there were virtually no limits to the potential
any accurate projection of future demand.
handful of countries where British legal
for growth in legal publishing. Synergies in
Outsourcing was the answer for all issues
publications were used on any scale.
the form of transferring publishing concepts
related to costs. In a small market such as
Butterworths and Sweet and Maxwell were
from one market to another to grow the
Canada, the business model for print was
the primary sources of this information and
business in each country, as well as the
always fragile. In the online world, the
had created a sales network to maximize
leadership and direction that would be
business model was fictitious.
revenue from the sale of English
provided by the multinational, were seen as
common-law publications in the common
ensuring that these companies would
MB BUSINESS MAGAZINE JULY 2016
No one foresaw the rise of free services
Carswell by Thomson pushed Carswell into
legal publishing altogether after transferring
and the loss of the commercial publishers’
the digital age. Carswell’s large collection of
its legal publications to
control of the profitable business of
law reports were digitized and are available
Lexis Nexis.
recycling court decisions. No one foresaw
to consumers briefly on CD ROMs and
the downward impact on prices the head
subsequently in online databases. While
Another downside has been the
to head competition between Lexis Nexis
Carswell was experimenting with online
unresolved loose-leaf saga whereby falling
and Thomson after Lexis acquired
databases at the time of its acquisition by
subscription numbers combined with ever
Quicklaw and Carswell was linked to
Thomson, the real push came with the
escalating prices and tension with the legal
Westlaw. No one foresaw the collapse of
acquisition by Thomson.
research community, has put the future of
subscriptions to loose-leaf services that
some print publications at risk.
accompanied the relentless price increases
The same is true with Lexis Nexis where
intended to shore up multinational
the acquisition of Quicklaw gave that
From the publisher’s perspective, the real
demands for top line and bottom line
company a major presence in the market
issue is, of course, the lack of any real
growth while waiting for the digital pay off
for Canadian Legal information. The
payoff from their investment in Canada.
which never seems to come.
product itself was dramatically improved by
Numbers are flat or falling with no prospect
the expansion of the scope and quality of
of improvement. In times past, publishing
Global Publishers – By Accident or By Design
the data offerings, combined with new
houses would have been sold the
platforms for the delivery of legal
business. At the moment, there does
In all likelihood, the multinationals pursued
information. Lost in the process, however,
not appear to be a buyer, leaving
the idea of global legal publishing by
was the slightly erratic definitely whimsical
reorganization and rebranding the
accident rather than by design. For
“wild west” character of product
only option.
example Thomson acquired Carswell as
development at Quicklaw.
part of the acquisition of a British publishing
A good idea in theory only
house. Reed Elsevier acquired
Another plus for the consumer has been
In summary, Global Legal Publishing may
Butterworths Canada in much the same
the dramatic drops in the prices of digital
have been a good idea at a theoretical
way. If either company had used all the
information resulting from the competition
level, but it did not prove to be one that
information available to it at the time of the
between Thomson Reuters and Lexis
made good business sense. Clearly no
acquisition it would have known the
Nexis and the competition with the free
one thought it through, the numbers were
limitations to growth in print and digital
services offered by CANLII. No one could
never there. While no one could have
formats and decided against acquiring
ever have imagined Thomson Reuters and
foreseen the transformation that was to
additional legal publishing houses in legal
Lexis Nexis in a price war, competing with
take place in the legal publishing industry, it
markets other that countries with large
each other and with a free service.
always was and is a small business that, if
populations such as the U.K. and the U.S.
it had been carefully nurtured and The Downside. On the downside, the
managed as a small business, could serve
As for synergies, Canadian legal publishers
absorption of several smaller legal
both the customer and publisher well. That
were never reluctant to steal a good idea
publishers (most notably Canada Law
isn’t what happened. What a waste.
from the United Kingdom or France, but
Book Yvon Blais) into Thomson Reuters
the best ideas, the viable ideas, may
has reduced the
already have been taken. It remains to be
number of
seen whether the current investment in
publishers
practical law initiatives by Carswell
actively
Thomson and Lexis Nexis will pay off. In
developing new
any event, the revenue expectations from
products.
these projects will not be met.
Competition in
Is Global Legal Publishing A Bad Idea or Not? The Plus Side. From the perspective of the consumer, the reviews are definitely mixed. On the plus side, the acquisition of
MB BUSINESS MAGAZINE JULY 2016
the industry was further weakened when Wolters Kluwer bowed out of
17
How to analyze your life and
YOUR FUTURE
Courtesy: MANSOOR NAQVI President MB Enterprises
L
ife will keep going on even if
convert to processes of thinking that help
you won’t feel it and every
you out in what you need to do today and
minute will become an hour a
tomorrow.
day or even a year. Analyzing your life is very important for your success. Today I will
FRIENDS:
give you some advice about life. Let's
You will be surprised as to why friends are
divide it into five categories
important in analyzing our life and future. Friends play a very important role in your
1. 2. 3. 4. 5.
Education Thoughts Friends Behaviour Appearance
life. You will know who you are through the
Put all the five categories together and let's
circle of friends.
start analyzing your life and other people’s life. Your life is very important, close your eyes and think about if you have all five characteristics in your life and let's see if you feel that you have enough education to
EDUCATION:
put the things together and to convert them
Without education you cannot do anything
into thoughts. Based on that thought make
so getting a good education is very
a friend circle and to act in a positive
important because it will show how far you
behaviour and to show all these four
can go. Never stop learning education even if you have done your PHD, you still have to keep updateding your knowledge.
characteristics which will be reflecting in BEHAVIOUR:
your appearance. If you will present your
Your behaviour will affect in your life for
self accordingly your life and your future will
example if your behaviour is positive it can
be in the path of success. The last thing is
change your life style.
that if you are sitting with someone and are analyzing their life look at these five characteristics and highlight the missing factors to help them change their life and their future. My message to you today is if you want to become a successful person
TOOUGHTS:
you have to have an analytical power
Thoughts come from education and APPEARANCE:
to determine the five points.
Appearance is the key factor of your life. It helps identify your character and your personality. If your appearance looks fresh it impacts your life and increases your chances of success.
18
MB BUSINESS MAGAZINE JULY 2016
The Benefits of
WORK EXPERIENCE H
Courtesy: MAHMOOD NAQVI Vice President MB Enterprises
aving an educational certifica-
The best way to get a real sense of your
business without experience but your
tion is a tremendous asset but
chosen industry is through work
expectation should be very logical and you
to get real success you need to
experience. You’ll get to speak to employ-
should work in such circumstances where
work and get experience in a specific field
ees and ask them questions. You won’t
is more important because most of the
know what it is like until you get closer to
employers want to hire an experienced
the action.
resource. Getting work experience shows passion If you haven’t got a clue which career you
and interest towards your desired industry.
would like to choose, experience is a
This reflects a message to the employer
perfect way to sample all the career
that you are motivated to get into a chosen
options out there. It is a way to exploring
career and that you’ve got your hands on
different jobs.
the knowledge. It will also help you identify your own skills
Experience does not only help you find a
you have experienced people around you
good job, it also helps you to initiate your
and you learn from them. Don’t think you
own business, because to start a business
are smart enough and there is nothing left
without experience is quiet challenging.
to learn. You need to learn from the more experienced. I have 20 year experience but
Doesn’t matter if you are trying to find a job
still everyday teaches me a new lesson, so
or would like to initiate a business, you
learning never ends.
need to work hard to understand how to face the challenges and ways to overcome
So my message is this: don’t think you
those issue and how to improve your
know everything. Once you think you know
business.
everything, that is the day you stop learning and even highlight the areas that you might
and stop growing.
need to work on, also you can find your own weaknesses which you can improve on. Work experience is the only way you can find your strengths and weaknesses. Some people think once they have completed their study they can start their career without work experience. Yes it is true that you can start your first job or first
MB BUSINESS MAGAZINE JULY 2016
19
Night Owl Become
A ‘MORNING PERSON’ I
n many ways the world is split
nature flies and can be up before you even
along the lines of Morning
know it has begun.
Courtesy: ALAMDAR HUSSAIN
before the rat race begins. 2. Use the Night for its true Purpose
people and everyone else.
Generally, a “morning person” can be said
Taking a few minutes at night to put
“Early to bed and early to rise makes a man
to be one of those lucky few who are
together the things you will need to do the
healthy, wealthy and wise” – Ben Franklin
happy, full of pep, and productive in the
next day, will reduce the rush in the
Sleep at any time has a great deal of
early hours of the day while you’re still
morning. It also gives your subconscious
benefits. But the benefits of a good night’s
wrestling your snooze button.
mind ample time to work on those tasks,
sleep cannot be overemphasized. The
and give you ideas on how to go about
night was made for only one purpose and
Many people will do anything just to make
them. Most importantly, it will give you time
that is to rest. The day winds down into
that transition. One of my close friends for
to get your act together before leaving the
darkness, and expects you to follow.
instance, has been battling with the
house.
On the average, an adult needs between 7.5 and 8 hours of sleep per night. “But
seemingly tedious task of transitioning from being a “night owl” to a morning person
Get your gym bag together. Ready your
many people can function with 6 hours’
since last year.
bike. Pack your office suitcase, and pick
sleep, and there also some who need 9
out your attire. This way you can devote
hours or more,” says Sudhansu
Like I always say; “the night was made for
the morning to exercise, meditation and
Chokroverty, MD, professor and co-chair
rest, the day for work, and the morning for
prayers, time with the family at the
sleep medicine at the New Jersey
blessings, creativity and health”. Does that
breakfast table, and even catch a TV show
Neuroscience Institute at JFK Medical
make me a morning person? You could say that. Maybe I am not. But I am one of those people who usually completes fifty percent of their tasks while many people are still tossing on the bed and rubbing their eyes. I will share a few simple tips that anyone can follow to make that vital transition. With them, you can change from being a night owl, or just a heavy sleeper to becoming a person who maximizes his/her mornings. 1. Plan Your Morning before the Day The Morning is the most beautiful time of the day. It is a serene and peaceful time. It can also be a very profitable time, but at the very best it is still just time. Time by
20
MB BUSINESS MAGAZINE JULY 2016
Center in Edison, N.J.
The simple thing to do here is to work out a
6. Rethink Mornings
routine that allows you to cover more
If you don’t have a rethink about mornings,
3. Handle Hangovers the Proper Way
during the day. This means your nights get
you will still not maximize them. Mornings
Early morning hangovers can be very
freer. Indirectly, it kills the risk of you being a
are the best part of the day. It presents you
distressing. The best way to handle them is
grumpy, red eyed father, neighbor or
with a period when there are few sounds
to avoid them altogether. Don’t drink so
spouse.
outside, no yelling children, no nagging
much alcohol late at night. Better still; keep
Imagine being able to wake your kid up
wife or husband, and no neighbors blasting
away from it as much as you can.
each morning and prepare him for school.
music from their stereos. But until you think
If for some reason however, you consume
5. Make Hitting “Snooze” a Little Harder
enough alcohol to cause you a hangover in
A lot of times in the past, I set the alarm
those precious hours of the morning, don’t
clock with the best of intentions. But when
panic. The smart thing to do is to explore
it eventually rang, it always seemed to have
potent medicinal ways of dealing with
gone off a little sooner than I was ready to
hangovers, so you can get on with your
rise. Over the years luckily, I have cured
day on time.
myself of that snoozigitis disease. But it
so and believe so, you will still remain sluggish in the mornings.
took a lot of discipline, and practice. 4. Maximize Your Day; Free up your Nights
If you want to do the same, simply keep
A lot of people prefer to work at night. From
your alarm clock somewhere farther from
writers to internet marketers, the night
your bed stand, perhaps on a cupboard or
season appears to be the most productive
something. The idea is to make sure that to
time of the whole day. As a night worker,
hit the snooze button; you have to get out
you could get great results. However, you
of bed.
may have to waste your early mornings.
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IT’S TIME FOR AN
OFFICE MAKEOVER
Courtesy: BARBARA WELTMAN www.barbaraweltman.com
being made. Others can be done quickly — in a day or two or over a weekend — without any serious disruption. Work out your needs, your budget, and other considerations to plan your makeover.
expenses from the IRS.
problems, such as a poor floor plan or bad
Hidden benefits
refurbished space. Perhaps one of the
lighting, that you’ve been living with for a
While having a revamped workspace can
most important items is a good desk chair.
while. You can impress clients and
make you feel good, there are some
OSHA says: “A chair that is well-designed
customers with the latest look. And you
additional benefits to keep in mind. These
and appropriately adjusted is an essential
can just feel better and recharged about
added benefits may influence the extent of
element of a safe and productive …
your work environment.
your project.
workstation.” Whatever your budget, you
S
pring is a time for renewal in nature, and a great time to refurbish your office. There are
several compelling reasons for doing an office makeover. You can modernize your space for greater efficiency. You can fix
Decking out your new space Once you’ve completed the big jobs, it’s time to focus on getting the tools you need to work most efficiently in your newly
can find a Staples® Brand Products chair Planning for a makeover How ambitious will your project be? It all depends on the following factors: • Your needs. If it’s been a long time since you last painted the walls and bought a new desk chair, you may have more to do than just adding some new pictures or upgrading your storage space.
•
Cutting energy costs. According to the
to suit your needs.
Department of Energy, lighting represents the biggest component of electricity
You’ll want to keep your space neat by
consumption in the U.S., and likely a large
using appropriate storage items.
part of your monthly utility bill. Switching to more energy-efficient lighting solutions will
Final thought
save you money in the long run.
Tolstoy said “spring is the time of plans and
•
projects.” Focus now on your office
Increasing safety. Ripped carpets,
• Your budget. A makeover can be done on any budget. Obviously the more you have to spend, the more extensive the project can be. If you have the money, you may want to work with a designer, lighting expert, or others to achieve your design goals. If it is a DIY project, you can get plenty of help from home improvement stores for paints, lights, and flooring, and from Staples, especially the Staples Brand Products line, to outfit the space with quality products for less.
lamp cords across walkways, and poor
renewal so you can enjoy your new
lighting can lead to accidents by
workspace soon.
• The amount of disruption. Some projects take a lot of time and can impede your normal work activities while repairs are
the cost of flooring and fixtures, deductions
MB BUSINESS MAGAZINE JULY 2016
employees or customers. Aside from the obvious costs that accidents entail, there are the intangibles that can cost you even more. Find safety tips from OSHA on walking/working spaces. •
Tax savings. You’ll likely be able to write
off what you spend on a makeover. An immediate deduction can be taken for the cost of ordinary repairs. When it comes to may have to be spread over time. Find details about deducting these business
23
The biggest question for the Internet of Things:
WHO PAYS? T
Courtesy: BOB O'DONNELL www.recode.net
alk to anyone with even a
sales and marketing might end up being
Still, it’s much easier than it is for the
passing interest in the Internet of
stuck with the check.
growing number of more indirect business
Things and they’ll quickly tell you
models now being used for enterprise IoT
that the real value of an IoT deployment lies
As I’ve written recently, not all business IoT
deployments. Deciding who picks up the
in the data that it generates and the
projects are being run by IT — in fact, the
tab in those situations can be much more
insights that can be gleaned from analyzing
majority (two-thirds) of them are not. So
difficult. In some instances, the equipment
that data. Fair enough.
you can’t just assume that IT will be paying
makers or service providers have even built
for all the new sensors, gateways,
business models that specifically remove
Ask the same people about who they think
networking equipment, analytics hardware
the equipment acquisition cost from a
should be paying for all the equipment
and software — as well as any consultative
customer’s bill. Instead, the idea is to get a
necessary to capture that data in the first
help provided by VARs or other specialists
customer using IoT to simply pay for a
place, however, and you’re likely to get a
to get it all up and running. In many
service, in some cases based on their
range of responses. (By the way, this is
organizations, operations specialists,
usage, or an amount of savings, or some
even true for consumer IoT applications.) In
manufacturing, business strategy or even
other value-based determinant.
some instances, the answer might seem to
sales and marketing might end up being
be easy: The company that’s installing IoT
stuck with the check.
technology within its own four walls, for
In many cases, however, there is a critical (and incorrect) assumption being made
example. But even then, however, there are often questions about which department should foot the bill. As I’ve written recently, not all business IoT projects are being run by IT — in fact, the majority (two-thirds) of them are not. So you can’t just assume that IT will be paying for all the new sensors, gateways, networking equipment, analytics hardware and software — as well as any consultative help provided by VARs or other specialists to get it all up and running. In many organizations, operations specialists, manufacturing, business strategy or even
24
MB BUSINESS MAGAZINE JULY 2016
that the value of the data or service that
that we’re seeing investors start to demand
and used strongly suggests we’re going to
can be derived will easily justify the
positive cash flows from the kinds of
see a lot more aggressive experiments by
expense. Smart cities seem to be the
startups that might have been able to get
consumer IoT vendors to give away their
poster child example for this situation.
away with the longer-term investments that
hardware either as part of a paid service, in
Many people and many vendors have
are going to be necessary to build these
exchange for the aggregated data
waxed semi-eloquent about the amazing
smart-city infrastructures.
collected, or some combination of the two.
their citizens once they become "smart."
Business model experiments and concerns
Of course, this also raises the question of
Everything from better traffic, easier
are also happening on the consumer side.
who owns the data for consumer IoT
parking, lower utility bills, safer streets and
While some consumers are buying their
applications. While that topic deserves a
more are promised to the denizens of
own wearables or smart-home elements,
column unto itself, suffice it to say that
these future metropolises.
others are paying for services where the
questions about ownership in IoT extend
equipment is provided. Health insurance
well beyond the basic hardware.
However, I have yet to hear how any
companies are starting to give away
Ultimately, there’s no single right answer to
modern, cash-strapped city can even
wearables, auto insurance companies are
any of these ownership questions, but for
begin to start paying for the capital
giving away "connected car" devices, and
IoT applications to really succeed, the
investments necessary to make these
telcos and other service providers are
vested parties all need to work through the
wonders possible. Unless vendors decide
offering up connected security cameras
sometimes awkward process of figuring
it’s in the interest of mankind to make these
and much more.
out who it is that’s going to pay the bill.
conveniences modern cities can bring to
improvements available — call me a cynic if you like, but I’m not holding my breath on
While consumer purchase seems to be the
this one — it’s going to be a very long time
more common option right now, it’s still
before the posited smart-city capabilities
very early. Plus, the relatively slow rates at
come to pass. This is particularly true now
which these devices are being purchased
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MB BUSINESS MAGAZINE JULY 2016
25
Features That Home Buyers Want in 2016 Courtesy: Sara Maclennan www.edmontonrealestateblog.com
B
uying a home is a big leap, so it
but it is an investment that will prove
is no surprise that buyers can
worthwhile.
be picky when it comes to their
choices. Their desires evolve during the
Following the Trends
years, alongside their needs, and now a
Young buyers, especially, love when their
fancy kitchen and hardwood floors are just
new house to be painted and equipped as
part of what today’s buyers are looking for.
the new interior decorating trends
When selling your home, you should be
recommend. According to one of the most reputed Canadian design specialists, Jo
aware that, if you do not make the updates in demand, someone else will, and you’ll
office spaces. Plenty of natural light,
Alcorn, 2016 will bring in pastels to our
be left to lower your price or consider other
intimacy and adjustable office workstation
homes, alongside plant life, vintage motifs,
options. To prevent that, here are some of
will make the potential buyers to imagine
mix metals (platinum, gold, copper and
the top features homebuyers will want this
their future office and finally decide to buy.
steel) and wall details. Sellers who equip
year. Low Maintenance Energy-Efficiency
We live in a hasty time, and everyone
In this day and age energy-efficiency is
keeps rushing to get things done. When
becoming increasingly important, not only
homebuyers are looking around the house,
because of the savings made possible by
they want to see that they will not have to
lower energy bills, but also because of the
invest too much time in it. So, go with
overall awareness of the need to go green.
low-upkeep features, such as granite
If the hose that is being sold is in an area
countertop and wood floors. Opposite to
with specific climate, such as Edmonton,
carpets, wooden floors can be easily
this feature is even more important
updated with suitable cozy rugs which can
because of the insulation which should
hide enough, reveal enough and serve as
keep the warmth inside the house. Proper
accents. Young homebuyers especially
insulation and energy-efficient
search for stylish rugs, and, if needed, they
their house with such neat details will have
double-glazed windows should be enough
would travel all the way to Australia to get
better odds for a successful sale.
to appeal to homebuyers.
one.
Home-Office
Laundry Room
Just a generation ago people searched for
According to statistics, even in the distant
According to Realtor.com, more than 90
formal dining rooms when buying their
2008, the number of people working from
percent of homebuyers consider that
homes. Today, the appeal of formal dining
home in Canada has been 1,748,600 and
separate laundry room can be crucial for
room is lost and the kitchen and the dining
it continued to grow since. It is no wonder
the decision to purchase. Not only that
room have become places for “hanging”
then, that majority of people in search for
laundry room offers that convenience all
with family and friends. Today’s buyers are
the perfect house, wants to have a home
people strive to these days, but it also
attracted to open concept kitchen and
office. Smaller rooms and bedrooms can
provides extra storage space. This is an
open home plan.
be easily transformed into excellent home
addition which could cost some money,
Open Concept
26
MB BUSINESS MAGAZINE JULY 2016
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Examples of Good
EMPLOYEE BEHAVIOR E
Courtesy: MELISSA COOPER www.smallbusiness.chron.com
very employer's dream would
courteous and friendly to their coworkers,
Since you have given your employee a
most likely be to have
managers and customers make office life
particular deadline, you expect that she will
employees with glowing
much more pleasant than those who seek
meet it. If she maintains a clean, organized
to cause disturbances or drama. These
work space and is present at work and
behaviors, making management of employees an easy task. With so many
particularly at meetings pertaining to her
issues in the workplace, employers breathe
project deadline, she will very likely timely
a sigh of relief when they receive the gift of
meet her deadlines.
an employee not laden with issues and constantly on the brink of -- if not fully --
Takes Responsibility
causing problems within the office, or at
While confessing an error can strike fear in
least at their own desk.
the hearts of employees, those who value their work, their word and their future with
Positive 'Can-Do' Attitude
your company will take responsibility and
Being ready, available and willing to get the
tell you the truth. Making errors may or may
job done, and done well, should be traits
not cause great problems with a project or
that employees keep on the front burner.
employees brighten the office and leave
with your company, in general, but when
You should appreciate employees who
their egos and outside problems at the
an employee honestly and earnestly
door in the name of being good workers
explains an oversight or mistake he has
and trying to maintain a good work
made, you have a better understanding of
atmosphere. While no one is perfect and
the issue and, even better, you understand
everyone has bad days, these employees
that your employee values his integrity and
manage to rise above the fray.
your trust in him.
Meets Deadlines
Good Attendance and Punctuality
Employees who meet deadlines will also
Being at the office and arriving on time help
likely be well organized and responsible.
you know that you can trust your employee
seek out quality work to remain busy and
to be there each day. Employers know all
productive for the company and who
too well about employees who frequently
eagerly desire to go above and beyond
arrive late with a variety of excuses,
their normal duties to bring further success
possibly missing or at least being late for
to your company.
early morning meetings, so a punctual and available employee will provide peace of
Courteous and Friendly
mind.
Employees who do their best to be
28
MB BUSINESS MAGAZINE JULY 2016
Everything You Need To Know About Visiting
Banff National Park And The Canadian Rockies T
Courtesy: www.banffnationalpark.com
he Canadian Rockies comprise
site. (Banff, Jasper, Kootenay and Yoho
adventures, Hiking and Mountaineering
the Canadian segment of the
National Parks)
along with some great options for road and
North American Rocky
– The Canadian Rockies have over 1,000
mountain biking. In the winter, Downhill and
glaciers.
Cross County skiing, Sled Dog tours,
Mountains range. Geographically, the Canadian Rockies extend from the Interior
Snowmobile tours and Horse-drawn
Plains of Alberta to the Rocky Mountain
GETTING HERE
Trench of British Columbia, and southern
Getting to the Canadian Rockies is very
end from the border of the USA to northern
easy from nearly anywhere in the world.
Sleighrides are the favourites. THINGS TO SEE
International airports to the
There are so many things to see in the
east of the Canadian Rockies
Canadian Rockies, it’s virtually impossible
are found in Calgary and
to list them all. But, you’ll want to take in as
Edmonton, Alberta.
many of the turquoise glacial lakes, scenic
Flying into Vancouver, British
viewpoints, spectacular drives and
Columbia would leave
rejuvenating hikes as time will allow during
approximately a 10 hour drive
your visit.
to get here.
British Columbia.
Driving north from the United
PLACES TO STAY
States bordering states of
There are a host of accommodation
Montana, Idaho and
options, from large to small, from nationally
Washington would leave
recognized “chain” hotels to intimately
anywhere from 3 to 5 hours to
managed, cozy and comfortable “Mom and
reach Banff National Park in
Pop” properties. Inside of Banff National
the heart of the Canadian Rockies,
Park, Banff and Lake Louise are the most
depending on your travel route.
popular places to stay. Jasper is the largest
DID YOU KNOW?
town and offers the most options in Jasper
– Highest peak. Mt. Robson (12,972 ft.,
THINGS TO DO
National Park. Many choose to stay outside
3,954 m)
Whatever the season, there are a host of
the National Parks with the most popular
– Five national parks are located within the
activities to enjoy during your visit to in the
choices being Canmore, Alberta, and
Canadian Rockies, four of which interlock
Canadian Rockies. Among the most
Golden or Radium in British Columbia.
and make up the Canadian Rocky
popular are Horseback Riding, Whitewater
Mountain Parks UNESCO World Heritage
and Family Rafting trips, Zipline and ATV
MB BUSINESS MAGAZINE JULY 2016
29
3 COMMON Nutrition Mistakes of Runners Courtesy: Sammi Haber www.runtothefinish.com
A
s a dietitian and runner, I’ve
as much as many likely think. The truth is
down protein for fuel. So, unless you ran
probably seen (and tried) every
this: unless you’re doing intense endurance
for more than an hour or lifted heavy, after a
nutrition-related running trend
or resistance exercise, your protein needs
short run or moderate workout, skip the
do not increase.
protein shake – it likely is giving you way
out there. Between myself and my clients, we’ve covered countless miles, carbs, and
more protein than you really need.
calories. While most runners already have the basics like pre- and post-run fuel down (if you’re still wondering: carbs pre-run, protein and carbs post-run), there are still some gray areas of confusion. Below, are three of the most common nutrition mistakes I encounter when it comes to running, and how to do them right. Eating Too Much Protein Reality: Unless you’re doing intense exercise, you likely don’t need as much protein as you think. As a whole across the country, we overconsume protein. In fact, the current average protein intake is 25-50% greater than the amount recommended by the Dietary Guidelines. Great emphasis is placed on eating enough protein and making sure to eat some at every meal. Especially when it comes to exercise, it’s incredibly common to think that protein needs increase even more after any type of exercise. While we do need protein after a workout to rebuild muscles, we definitely don’t need
30
Use this general rule of thumb to determine how much protein you need in one day: take your weight in kilograms (your weight in pounds divided by 2.2) and multiply
Sports Drinks and Energy Gels All the Time Reality: It’s important to refuel with carbs during runs, but only during especially long ones.
that by 0.8. Running a marathon or half marathon Get For example, a person weighing 150
your energy gel ready. Anything less than
pounds weighs about 68 kilograms, and
that however, and you might be giving
needs only about 54-55 grams of protein
yourself extra and unnecessary calories.
per day.
Carbs are our body’s preferred source of fuel in exercise. If you’re a runner, this
The key word here is intense, as during
probably isn’t news to you.
intense exercise the body will start to break
MB BUSINESS MAGAZINE JULY 2016
Glucose (a type of carbohydrate) is easier
potassium. If you like the taste and really
maintain the balance. So, drinks like
to mobilize in the body and to use for
enjoy drinking coconut water, by all means
coconut water aren’t always needed. It’s
energy than fat and protein. With higher
– drink up! However, unless you’re going
only in endurance exercise that this
intensity exercise of course, the amount of
on a long run (notice a theme here?), you
balance might get compromised –
fuel needed from carbs increases. As we
don’t necessarily need that type of
sometimes it’s hard to ingest enough fluid
start to use these carbs, or our glycogen
hydration. Anything less intense, and plain
to keep up with losses. In these cases, you
stores, our perception of exertion increases
ole water will do just fine. Our fluid and
can reach for the coconut water to keep
and we begin to feel exhausted. Here’s
electrolyte balance is well regulated by
properly hydrated.
when we’d cue the carb refueling.
the body. The caveat here is to focus on the unflavored varieties; one of the biggest traps with coconut water is in the flavored types. One large bottle of chocolate coconut water can contain almost 250 calories and 36 grams of added sugar. That’s almost as much as you’ll find in many similar size containers of juice! Whether you’re refueling after a workout, trying to lose weight, or just trying to stay healthy, there’s almost never a reason to drink this many added calories. The calories in beverages (aka liquid calories) don’t keep us full; they only add extra calories to our daily intake. Don’t be fooled by healthy sounding sugar-sweetened beverages like coconut water. Feel free to drink a plain variety if you like the taste or
Typically, this type of refueling is only
During exercise, our bodies start to follow a
are running far, but if you prefer the flavored
needed when the activity lasts longer than
feedback mechanism: we produce sweat
options, try to decrease the amount
one hour.
and our thirst mechanism kicks in to
you drink.
For every hour after the first, a good rule of thumb is give yourself about 30-60 grams of carbs per hour. This can be a banana, an energy gel, or energy chew – whichever works best for your own running! If you’re going on a shorter run, save your snack for after the activity. It’ll probably taste a lot better than a gooey gel, too. Coconut Water is the Perfect Post Run Refuel. Reality: Coconut water is great, but it’s not perfect. Coconut water definitely can be a great hydration option post run. Most unflavored coconut waters are low in calories, low in sugar and contain a good amount of
MB BUSINESS MAGAZINE JULY 2016
31
Shoe Trends to Follow for
SPRING 2016 W
e’ve reached that point in the
hit the streets.
year when it’s time to start
Courtesy: MARC PIERCEY & RICHARD FABREGUI www.torontoisfashion.com it’s more than just loafers that are in vogue for this season. Espadrilles and slip-on
High-Tops
sneakers are comfortable, street-ready
means there’s finally a chance to rock
You might have noticed artists and
styles to watch out for this spring.
some new style thanks to the change in
celebrities rocking some high-top sneakers
weather. Boots will stick around for a few
with suits on more than a few red carpets
more months while other styles make way
this year. It’s no secret that 1990s style is
for breathable slip-ons and colourful
back in a big way, and it’s brought a huge
sneakers. These are a few of the biggest
boost in the popularity of the ubiquitous
trends for the upcoming season that can
basketball shoes. But it’s far more than just
help you put your best foot forward.
Air Jordans (as fly as those might be). As
thinking about spring. This
Chelsea Boots Combining the slip-on convenience with
Oxfords
the utilitarian style of a rugged boot, we
It might seem like an obvious choice, but
have the Chelsea boot. These were huge
it’s hard to argue against a classic Oxford.
in 2015 and never really went out of style in the U.K. We’ve spotted more than a few in collections from O’Keefe and Maison Margiela, like those seen on Footwear News, that show this trend is sticking around for spring 2016. These lace-less seen on Lyst, major designers are getting
boots are effortlessly stylish and also
in on high-top haute couture with a wide variety of superb shoe styles from the likes of Versace, Rick Ownes, Hogan Rebel, Every guy needs a good pair of dress
32
shoes, and the Oxford always makes a
Slip-On Shoes
strong statement and keeps you looking
One item that people have noticed making
good season after season. Some guys
its presence known on the runway is the
might want to spice things up with a funky
slip-on shoe. Casual but fashionable takes
toe cap, but they’d be wrong. It has been
on the slipper are set to be all the rage,
suggested by Fashion Beans that it’s high
and we wouldn’t be surprised to see this
time to ditch the square-toed shoes for a
trend take off when it comes to fast
pair of round-toed Oxfords that will nevergo
fashion. We’re particularly partial to the
out of style. Dress shoes have come back
business casual look from Burberry
in a big way, and you don’t have to
Prorsum seen on The Trend Spotter, as it
necessarily pair them with a suit when you
offers a fresh take on the typical loafer. And
versatile enough to pair well with both casual wear and formal attire.
MB BUSINESS MAGAZINE JULY 2016
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July
EVENT CALENDAR JUL 1
FRIDAY
Canada Day On July 1, 1867, Canada became a self-governing dominion of Great Britain and a federation of four provinces: Nova Scotia; New Brunswick; Ontario; and Quebec. The anniversary of this date was called Dominion Day until 1982. Since 1983, July 1 has been officially known as Canada Day.
JUL 1
FRIDAY
Memorial Day Memorial Day is observed together with Canada Day in the Canadian province of Newfoundland and Labrador on July 1 each year. Memorial Day commemorates the brave efforts of the province’s veterans, particularly those who participated in World War I.
JUL 2
SATURDAY
Laylat al-Qadr (Night of Destiny)
JUL 7
THURSDAY
Eid-al-Fitr
Many Muslims in Canada celebrate Laylat al Qadr, which most likely falls on one of the last 10 days of the Islamic month of Ramadan. Also known as the or the Night of Destiny, it commemorates the night when God (Allah) revealed the Qur’an, which is the Islamic holy book, to the prophet Muhammad (P.B.U.H), according to Islamic belief.
Many Muslims in Canada celebrate Eid al-Fitr (also known as Id al-Fitr or Eid ul-Fitr) on the first day of Shawwal in the Islamic calendar. It marks the end of the month-long fast of Ramadan and the start of a feast that lasts up to three days in some countries.
JUL 9
SATURDAY
Nunavut Day Nunavut Day celebrated on July 9, commemorates passing of two Nunavut acts. The Canadian Parliament passed the Nunavut Land Claims Agreement Act and the Nunavut Act on July 9, 1993. Nunavut officially split from the Northwest Territories and became a Canadian territory on April 1, 1999.
JUL 11
34
MONDAY
Orangemen's Day
Saint Jean Baptiste Day, held annually on June 24, is the feast day of St John the Baptist, a Jewish preacher who baptized Jesus in the River Jordan. It is a day of celebration in Quebec and other areas of French Canada. Saint Jean Baptiste Day is also known as "la Saint-Jean", "St John the Baptist Day", "Fête nationale du Québec" and "Quebec's National Holiday".
MB BUSINESS MAGAZINE JULY 2016
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Elavon Inc., formerly NOVA, is a major processor of credit card transactions and a subsidiary of U.S. Bancorp.
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Non Medical Insurance
Providing Solutions To Your Financial Problems.
Construction Services
Contractor
Developer
Drug & Dental Insurance
MB BUSINESS MAGAZINE JULY 2016
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Exceptional Real Estate Services
ReďŹ nance
Brokerage Residential
Brokerage Commercial
Equity Take Out Business Loan
Marketing
Publishing
Printing
Telesales
Private Mortgage
Telemarketing
Call Centre
Our goal is to assist you in maximizing your revenue
MB BUSINESS MAGAZINE JULY 2016
Investments
Non-Medical Insurance
Life Insurance EXCLUSIVE OFFER FOR MBBP MEMBERS
Free evaluation of your insurance policy RESP for your children without any obligation 1000 MBBP Point (On any qualified purchase) Drug & Dental Insurance
GET THE PERFECT INSURANCE POLICY, CUSTOMIZED ACCORDING TO YOUR NEED. GET OBLIGATION FREE
Critical Illness Disability Insurance Visitor / Super Visa / Travel Insurance RESP (Registered Education Saving Program)
LIFE INSURANCE QUOTE TODAY.
RRSP (Registered Retirement Saving Program)
AFFILIATED WITH
104-100 Dynamic Drive, Toronto, ON M1V 5C4
Tel: 1-866-667-1377 Fax: 1-866-204-6888 Toll Free: 1-647-832-7265
Email: info@mbeforyou.com Web: www.mbeforyou.com 51
JOIN MBBP & ENJOY THE BIG SCREEN WITH YOUR FAMILY & FRIENDS - DISCOUNTED TICKET FOR MBBP MEMBERS. Save $5 On Each Ticket, Ticket Will Never Expire, MBBP Members Can Use These Tickets All Over North America Address: 104-100 Dynamic Drive, Toronto, ON M1V 5C4 Tel: 1-855 (NOW-MBBP) 669-6227 | Fax: 1-866 204-6888 Email: info@mbbpforyou.com | Facebook: facebook.com/mbbployaltycard 52
CONSTRUCTION
SERVICES
ARCHITECTURE, CONTRACTOR & DEVELOPER
ARCHITECTURE ENGINEERING MASONRY
CALL US NOW 1-866-667-1377 Address: 104-100 Dynamic Drive, Toronto, ON M1V 5C4 Tel: 1-866-667-1377 | Fax: 1-866-204-6888
The MB Construction is an approach to home and community design that prioritizes how a person truly wants to live their lives day to day. We understand that your trust must be earned and will work to our best abilities to develop this relationship. We at MB Construction will always listen to what our customers truly want and always use the best industry professionals to assist your construction. This is how we're able to report that MB Construction is consistently ranked first in quality, value, and customer satisfaction.
Email: info@mbeforyou.com | Web: www.mbeforyou.com 53
MERCHANT'S FIRST CHOICE FOR PAYMENT PROCESSING
MOBILE
E-COMMERCE
Take payments on the go with and intuitive mobile app that's compatible with most smartphones and tablets.
Manage your e-commerce business along with all of your other payment transactions in one, secure place
IN-STORE
BACK OFFICE MAIL & PHONE
Accept payments in person with ease using your computer and a broad range of optional devices. like card reader and PIN pads.
Process your mail and phone payments online. Great POS is ideal for recurring and instalment payment too.
Tel: 1-855-669-6227 | Fax: 1-866-204-6888 Web: www.greatpos.ca | E-mail: info@greatpos.ca 54
HOUSE OF COMMONS CHAMBRE DES COMMUNES CANADA
SHAUN CHEN Member of Parliment / Député Scarborough North / Scarborough-Nord
Working hard to serve you Scarborough North Constituency Office: 4386 Sheppard Ave East, Unit C Scarborough, Ontario M1S 1T8 Tel: 416-321-CHEN (2436) Email: Shaun.Chen.C1@parl.gc.ca www.shaunchen.com
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2016
Please Call Us With Any Provincial Concerns Or Questions COMMUNITY OFFICE 50 Commercial Avenue, Suite 201A, Ajax, Ontario L1S 2H5 (905)-427-2060 1-(866)-924-0312 (905)-427-6976 (289)-314-2308 jdickson.mpp.co@liberal.ola.org www.joedickson.onmpp.ca
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OLUBUNMI OGUNNIYI, Barrister & Solicitor, 2680 Matheson Boulevard East, Suite 102, Mississauga, ON L4W 0A5
OLUBUNMI OGUNNIYI LL.B (Hons), B.L, LL.M, BARRISTER, SOLICTOR & NOTARY PUBLIC FORECLOSURES, PURCHASE & SALE CIVIL LITIGATION Have You Missed a Mortgage Payment? | Or Have You Received a letter from Your Bank? | We Stand Up for the Home Owner!
STUDY
WORK
LIVE
OUR SERVICES: Wills
Affidavits
Real Estate
Family Law
Commercial
Corporate
Civil Litigation
Immigration Power Of Attorney
Address: 97 black forest drive, Brampton, ON L6R 2E6 | Tel: 1-877-201-3476 Fax: 1-877-201-3476 | E-mail: olu@ogunniyilawoffices.com | Web: www.ogunniyilawoffices.com 57
OUR SERVICES:
WE ALWAYS PROTECT CLIENT'S INTERESTS!
WILLS IMMIGRATION ESTATES FAMILY LAW SMALL CLAIMS ACCIDENT CASES CRIMINAL CASES REAL ESTATE
Need Legal Assistance? Inhaam Law Office is a multi-discipline law practice firm providing legal representation in Real Estate Law, Family Law, Immigration, Wills & Estates, Small Claims Court and Personal Injury.
FATHIMA FARHATH INHAAM ADDRESS: 10 MILNER BUSINESS COURT, 3RD FLOOR, TORONTO, ON. M1B3C6 FAX: 58
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EMAIL: INFO@INHAAMLAW.COM
|
|
TEL:
WEB: WWW.INHAAMLAW.COM
LIVE WORK | STUDY IMMIGRATION
LEGAL SERVICES PROVIDER, COMPLETE GUIDANCE FOR IMMIGRATION TO CANADA
Contact Us
Address: 4953 Dundas Street West, Suite 106 Toronto, ON M9A 1B6 | Tel: (416) 234-0514 Email: alinaqvi@rogers.com Website: naqvislaw.com/immigration_to_canada.asp 59
Sal Grillo B.A., M.A., LL.B. Barrister & Solicitor
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Celebrate Decorium’s
30
year
Anniversary
Appreciate the difference. At Decorium, you will experience a wide selection of today’s trends for your home. Be inspired by our design solutions and personalized service. Decorium: Your destination for designing your dream home. PRESENT THIS AD IN STORE FOR SPECIAL MB SAVINGS
LIVING • BEDROOM • LEATHER • HOME OFFICE • HOME THEATRE • LIGHTING DINING • YOUTH • HOME ACCENTS • AREA RUGS • BEDDING • STRESSLESS GALLERY
decorium.com | Shop Online 24/7 363 Supertest Rd. Toronto | 1212 Yonge St. Toronto | 1 800 232 2267
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MB BUSINESS MAGAZINE JULY 2016
Our Friends and Customers Are Our Advertisements Address: 835 King Edward St. Winnipeg, ON R3H 0P8 Tel: (204) 415-4878
|
Cell: (204) 880-2357
E-mail: indermavi57@gmail.com 63
Italian Menu Premium Bar Regular Bar Indian Menu West Indian Menu Islamic (Halal) Menu
BANQUET & CONVENTION CENTRE WE CAPTURE YOUR DREAMS.
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Address: 6628 Finch AVE West, Toronto, ON M9W 0B3 Tel: (647) 867-8343 Web: www.rosegardenbanquet.com
Grand Buffet
TOUTED AS "BEST MULTI ETHNIC BUFFET IN TORONTO!!"
CONTACT: Address: 4141 Dixie Road Mississauga, ON L4W 1V5 | Tel: (905) 212-1255 Email: info@continentalgrandbuffet.ca Web: www.continentalgrandbuffet.ca
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S ' A UG
A S S E I S C I S M I T CHO S e l R 4 b I 7 F Relia 9 1 e r Fo e l S i n c v a r T
R U O Y T CE... A I & V E R U E BL ITE S
H W
s icle h e ces V i v e r l e ib rt S ess o c p c r Ai ir A
lcha
e Whe
GENERAL INQUIRIES & BOOKING Automated / Operator (905) 274-4444 Toll Free: 1-877-274-0470 Website: www.blueandwhitetaxi.ca Email: sales@blueandwhitetaxi.ca 66
ls &
e Parc
ges
ka Pac
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SIMPLIFYING REAL ESTATE TRANSACTIONS THROUGH TECHNOLOGY & EXPERIENCE
Our Services Real Estate
Transactions
Purchase
Sale
ReямБnance
2nd Mortgage
Line of Credit 68
CALL US (416) 497-6060 250 Consumers Road, Suite 410, North York, ON M2J 4V6 Fax: (416) 497-6060 Email: info@realinklaw.com
MBE IS LOOKING FOR
SALES EXECUTIVES WITH EXPERIENCE IN THE ELECTRONIC PAYMENT INDUSTRY, FINANCIAL SERVICES FOR (ATM/POS).
WHAT WE OFFER
TRAINING & FEEDBACK SALARY (PLUS COMMISSION) WITH THE FOLLOWING SKILLS: Comprehensive knowledge of payment industry web
Coordinates approvals.
Should have 2-3 years experience in Sales & Marketing Financial Services
Candidate should be familiar with POS/ATM Business, especially B2B customer handling.
Proficient in Using MS Office
Candidate should be target oriented and willing to work under pressure
Candidate should be fluent in English Negotiate deadlines, budget and work plan with clients in order to complete the work in a timely and cost effective manner Manage and provide content for collateral (Brochures), tear sheets, power points and other pieces as directed.
CANDIDATE SHOULD BE FAMILIAR WITH
POS/ATM BUSINESS, ESPECIALLY B2B CUSTOMER HANDLING (MARKET / SALES), THE CANDIDATE SHOULD BE TARGET ORIENTED AND WILLING TO WORK UNDER PRESSURE Tel: (866) 667-1377, (866) 204-6883 Email: info@mbeforyou.com Web: www.mbeforyou.com
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MB ENTERPRISE IS LOOKING FOR YOUNG ENERGETIC SALES REPRESENTATIVE for advertising of monthly business magazine. SKILL SET REQUIRED: Must be fluent in spoken english. The Candidate Should Possess Extraordinary communication and Negotiation Skills. Candidate Should Be Social and Well Aware of all Canadian Magazines and Newspapers. Business To Business Customer Handling is Preferred. Previous Experience in Media Marketing is Additional.
Contact: M.Naqvi. (416) 939-9378 Website: www.mbeforyou.com Email: career@mbeforyou.com
MB ENTERPRISE IS LOOKING FOR
ENERGETIC
HARDWORKING ACCOUNTANT
FOR OFFICE ACCOUNTS WORK
Preferred accounting background. Book keeping experience is essential. The candidate should be target oriented and willing to work under pressure.
M.Naqvi. (416) 939-9378
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career@mbeforyou.com
www.mbeforyou.com
MB BUSINESS MAGAZINE JULY 2016
LUXURY OF A LIMOUSINE AT REGULAR TAXI RATES
$1
Maple Leaf Taxi
discount per ride
Clean vehicles Experienced drivers Flat rates.
HEAD OFFICE Address: 213-40 Wynford Drive, Toronto ON M3C 1J5 Tel: (416) 603-1600 Fax: (416) 367-5666 Email: luxury@imperialtaxi.com Web: www.imperialtaxi.ca
Address: 40 Wynford Drive, Suite 106 Toronto, ON M3C 1J5 Tel: (416) 465-5555 Fax: (416)465-5272 Website: www.mapleleaftaxi.com
TORONTO'S BEST CAB SERVICE
TRAVEL ORGANIZATION
CONVENIENTLY LOCATED IN TORONTO, CANADA
ABOUT US
Africa, Asia, Australia, North, Central and South America, Europe and the Middle East… NĀRAT is a full service travel organization conveniently located in Toronto, Canada. NĀRAT is managed and staffed with only the highest qualified and accredited travel specialists in the Canadian travel industry.
Call us and experience the World of NARAT! Address: 250 Consumers Road, Suite 719, Toronto, ON M2J 4V6. Tel: 1-877-By-NARAT (296-2728) Fax: (416) 850-6819 E-mail: inquiries@narat.org Web: www.narat.org
MB BUSINESS MAGAZINE JULY 2016
GRAND OPENING IN
OSHAWA PACK GE
Seniors discount available Gift certificate available Weekday classesstarting soon for both locations
GOLD | SILVER | BRONZE
After the success of Whitby, we opened a new location in Oshawa to serve you better. Special offers and discounts for new location for limited time offer: Group discount available for 2 or more student registration required at the office, not online. C ONTACT
306 Dundas St. W. Unit 2 Whitby, Ontario L1N 2M5 444 Taunton Road East Oshawa, Ontario L1H 7K4 Tell: (416) 899-9134 / (905) 217-0522 Fax: (905) 999-8856 Email: accuratedrivingschool@gmail.com
www.accuratedrivingschool.ca
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LATEST GEN
AUTOMOTIVE INC.
Ragual / Nick Tel: (647) 802-6824
ETEST SAFETY ALIGNMENT MECHANICAL AUTOBODY WORK STRUCTURAL SAFETY
Address: 2655 Lawrence Ave, East Unit 10, Scarborough, ON M1P 2S3 E-mail: lgenauto@aol.com
Address: 30 Alden Road Unit 3 Markham ON L3R 2S1. Website: www.gmistone.com Call: 647-469-5555
GMI STONE
Granite / Marble / Onyx
OUR MATERIAL IS THE BEST IN CLASS WITH SUPERIOR QUALITY. Now we are offering $2000 countertop package!! Up to 45 Square Feet in Granite or Quartz Sink cutting is included Installation is included 4 edge profiles One week process Free removal
ABOUT US GMI Stone Inc. owns 7 quarries around the world and has open access to 45
FREE & FAST DELIVERY MINIMUN ORDER $20 BEFORE TAXES
BEST QUALITY BEST PRICES MONDAY & TUESDAY SPECIAL
quarries to provide unstoppable supply of most exotic colors of granite, marble
LARGE PIZZA
and onyx. Experience the natural stones like never before.
World of imported natural stone...
OPENING HOURS MON | THURS | SUN 11AM-10PM
1 topping $ 5.99
FRI | SAT : 11AM-11PM
TANDOORI LEG
DINE IN - TAKE OUT - CATERING 2655 Lawrence Ave East M1P 2S3 Tel: (416) 288-1616 Web: www.zamzampizza.ca
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with rice $ 4.99
MB BUSINESS MAGAZINE JULY 2016
WAXING
LADIES ONLY THREADING
FREE
WILLS EMPLOYMENT LAW
EYEBROW 1ST TIME
FACIALS
CLASS ACTION LAWSUIT Full Body Only $60 Done in 35 minutes
ADR ALTERNATIVE DISPUTE RESOLUTION
Legs/Arms/Underarms Only $30 Done in 25 minutes WAXING
Add: 223 Brock St N #200, Whitby,
Arms/Underarms/Brazilians Only $30 done in 20 minutes
ON L1N 4H6, Canada | Tel: (877) 428-8000 To Book an Appointment Please Contact: Happy at (647) 763 - 9319 BRAMPTON
Web: www.adrworks.com
Knowing your business matters. Look to Federated Insurance for your business insurance needs.
Address: 2985 Drew Road, Suite 216, Mississauga, ON L4T 0A7 Tel: (905) 405-9969 Fax: 1-866-877-5667
Michael Tolfo Caulking Balcony Repair Expansion Joint Foundation Repair
Email: info@newpointconstruction.ca
Exterior Building Repair
Web: www.newpointconstruction.ca
Windows Replacements
MB BUSINESS MAGAZINE JULY 2016
647.989.7430 michael.tolfo@federated.ca www.federated.ca 3526-012 ed01E | 12-2015
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Add: 35 Dundas St. West Mississauga, ON L5B 4M4 Tel: (905) 268-0088 Email: info@barbqtonite.com Website: www.barbqtonite.com
FRESH & DELICIOUS
Shutters | Draperies
BAR B Q TONITE PLATTER $40.99
CHARGHA F. $16.99 - H. $9.99
LAHORI FISH $9.99
CHAPLI KABAB $8.99
KARAHI GHOST CHICKEN $9.99
BIRYANI CHICKEN $8.99
Vertical Blinds | Horizontal Blinds Address: 3480 McNicoll Ave, Toronto ON M1V 5A7 Call For Free Estimates Mr. Kamal : (647) 895-3385
ENRISE HEATING & AIR CONDITIONING
Call for an appointment today! OUR SERVICES: OUR SERVICES Furnace Repairs Central Air Conditioning Repairs Furnace Replacement Installations Central Air Conditioning Replacement Installations Emergency Repair Service to All Makes and Models HumidiďŹ ers Air Cleaners Water Heater Repairs Water Heater Installations Annual Preventative Maintenance
45 Sophia Rd, Markham ON L3S 3Y5 (647) 287-7848 enrise@hotmail.ca www.enrise.org
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PSW Chiropodist Acupuncture Physiotherapy Registered Massage Therapy
WE WELCOME: WSIB MVA Rehab Private Patients Extended Health Insurance Call: Kavitha 416-757-2220 / 647-780-2014 5-2085 Lawrence Ave E, Scarborough, ON M1R 2Z4 Website: www.stlukeswellnesscare.com
MB BUSINESS MAGAZINE JULY 2016
Alda Tours
Travels + Money Transfer + Cruises
www.pearsonvision.com
Low cost travel packages expert. MONEY TRANSFER TRAVELS | CRUISES
Jane and Finch Mall, 1911 Finch Ave W, North York, ON M3N 2V2 Web: www.flycentral.ca
SEDAN
Our Fleet SUV
ACCESSIBLE
Need help planning? Call us at 1 877 615 2898! 2570 MATHESON BLVD E, Suite 211, MISSISSAUGA ON L4W 4Z3, TORONTO, ON, CANADA. Phone: 1-855-661-1577 | Email: info@pearsonvision.com
MILTON Address: 816 Britannia Rd West, Unit #103 & 104 Mississauga, ON L5V 0A6 | Tel: (905) 567 5677 Web: ww.silverspoononline.com
MISSISSAUGA
Address: 500 Laurier Ave, Unit # 15 Milton, ON L9T 4R3 | Tel: (905) 567-5677
Address: 3050 Artesian Dr # 16 Mississauga, ON L5M 7P5 Tel: 905 569 7916 | Web: www.zeerah.ca
BRAMPTON
Crystal pest Control INC Address: 399 Markham Road, Suit# 1112 Scarborough, ON, M1J 3C9 | Tel: (416) 577-4491 Website: www.crystalpestcontrol.com
15% DISCOUNT FOR MBBP MEMBERS
MB BUSINESS MAGAZINE JULY 2016
10% DISCOUNT
Address: 249 Queen St E, Unit C Brampton, ON L6W 2B8 Tel: (905) 567 5677 Web: www.silverspoononline.com
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WE CREATE & PLACE ADVERTISEMENTS WHERE IT WORKS BEST...!!! Brand Strategy | Social Media Included in bundle Web Design | Logo Design We live in an age of advertising where all brands, whether big or small, use a slogan to stand out. An advertising slogan is like a brand belief that highlights the core essence of the brand.
For More Information Contact us: 76
BRANDING BUNDLE ONLY FOR
IMAGINATIVE SOLUTIONS T H A T
R E I N V E N T
OUR SERVICES:
B U S I N E S S
ABOUT US
ATM Solutions
MB Global is a software house and IT firm that specializes in providing financial technology solutions to enterprises and firms worldwide.
Card Solutions Mobile Solutions Account Processing
We serve more than 10,000 clients worldwide with the vision of becoming the largest provider of information technology services to the financial services industry.
Internet Banking Solutions Automated Clearing House Rewards & Loyalty Solutions Payment Network & Switches Business Intelligence Solutions Information Management Systems Credit & Debit Processing Solutions Electronic Billing & Payment Solutions
FOR ALL BUSINESS INQUIRIES
1-866-667-1377
info@mbeforyou.com
www.mbeforyou.com
Helping you is what we do.
EXCEPTIONAL REAL ESTATE SERVICES BROKERAGE INDEPENDENTLY OWNED & OPERATED
OUR LISTING PACKAGE Includes Free*: Lawyer Fees Open Houses Virtual Tour Home Staging Coloured Property Feature Sheet Pre-listing Home Inspection Report Advertisement In Our Monthly Magazine Comparitive Home Analysis Home Evaluation Professional Photography Of House *Some Conditions Apply