MB Business Magazine

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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Top 15

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Classified

Contents © Copyrights 2016 by MB Enterprises, may not be reprinted without written permission.

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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

04

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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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".

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Global Payments Inc. is a provider of electronic transaction processing services for merchants, Independent Sales Organizations, financial institutions, government agencies and multinational corporations.

The company is one of the nation's largest ATM processors and provides numerous financial institutions, ATM IS0s, and merchants with ATM driving and management services, network gateway access, and debit card management services.

NRT Technology Corp. provides innovative cash handling solutions and financial services. We are the leading supplier of self-serve, cash-handling kiosk systems for the casino industry, and operate the largest network of "white label" ATMs in Canada.

Contact Us

Address: 104-100 Dynamic Drive, Toronto, ON M1V 5C4 Toll free: 1-866-667-1377

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Email: info@mbeforyou.com 46

Website: www.mbeforyou.com

Fax: 1-866-204-6888

Contact Us for More Information: 104-100 Dynamic Drive, Toronto, ON M1V 5C4 TEL: 1-866-677-1377 | FAX: 1-866-204-6888 EMAIL: info@mbeforyou.com | Web: www.mbeforyou.com

Low Rent

Excellent Rates

Debit & Credit Card Machines

Rental or lease to own Excellent commission, Residual income More than 10,000 ATM Machines in North America

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Software Solutions

System Integration

Exciting Discount Offers

Payment Gateway

E-commerce Application

Career Building Opportunities

Information Security Services

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Entertainment & Cineplex Discount Coupons

MB BUSINESS MAGAZINE JULY 2016

Accounting, Bookeeping Service

Life Insurance

Investments

Travel Insurance

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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50

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

|

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

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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