ISSUE 29 | MARCH 2017
Home Is Where The Heart Is... TAX TIPS FOR NEWCOMERS TO CANADA P.28
WHAT HAPPENS IF YOU’RE IN A PARKING...P.26
Financial Goals: Keep It Simple, Stupid P.20 THE CYBER SECURITY... P.28
TRUCKING TODAY TV INTERVIEW P.30
MBE
inc.
Technical Support & Customer Service
YOUR SUCCESS IS OUR PASSION
WHY CHOOSE US? WE OFFER TWO TYPES OF
ATM PLACEMENTS FULL PLACEMENT With this program, we take care of everything for you including cash management. You never have to worry about anything related to the ATM.
PARTIAL PLACEMENT With this program, all you do is keep the ATM machine supplied with cash. Any money that customers withdraw is automatically redeposited into your bank account every 24 hours.
MAKE YOUR BUSINESS LOOK MORE APPEALING!
ADD AN ATM!
RECEIVE UP TO
INCREASE FOOT TRAFFIC
TO YOUR BUSINESS WHILE GENERATING AN EXTRA INCOME FLOW
100%
SURCHARGE REVENUE
EARNINGS
MOBILE ATM'S
EARN EXTRA
With both programs, you earn a percentage of the surcharge proďŹ ts from the machine, which are paid to you on the 20th of every month.
Available for Mega Events
Income with our self-serve cash load program.
Address: 104-100 Dynamic Drive, Toronto ON M1V 5C4 Tel: 1-866 -667-1377 Fax: 1-866-204-6888 Email: info@mbeforyou.com Web: www.mbeforyou.com
EDITOR'S NOTE Dear Readers, This is MB Magazine’s March issue and this month we are bringing to your doorstep another issue packed with investment recommendations, real estate tips, articles on health, politics and travel along with the latest trends in HR and Management. March issue will also catalogue two insightful articles penned by our Country Head and Vice President, one that discusses ethics in the business place and another that sheds light on the importance of first impressions in business. As always, we hope the magazine is entirely to your liking and that you appreciate the efforts of our contributors and editors to bring you a refined, avant-garde business magazine experience. Your feedback, comments and suggestions are valuable to us, feel free to call us at 1-866-667-1377 or email us at info@mbeforyou.com to tell us what you think about this issue! For advertisement placements and marketing related queries, please email us at mbe-marketing@mbeforyou.com Thank you, Aurora Zabala, Editor In Chief.
A Leader's Way To Live Happier Life In today's world, we are all working hard...
06
Make Your First Impression Your Best Impression Most people think first impression is last impression...
08
Ethics In The Workplace Workplace ethics leads to happy and satisfied...
10
Kickstart A Healthier Life Most of the people when start to think...
Senior Editor Peter Z. Vaisey Managing Editors Steve Montgomery Mahmood Naqvi Design Cynthia Tolson A. Khan Z. Zaidi Production, Technology & Print Simon Wilson R.J Advertising S. Hassan Shoeib Kamal Administration Alamdar Hussein Erum Asghar R. Adil HOW TO REACH US
CONTENTS
04
Publisher MB Enterprises Editor-in-chief Aurora Zabala
11
Event Calendar
12
Condominiums, Drinking Water Systems...
March Event Calendar
Drinking water act, 2002 namely, several municipalities...
15
Nova Scotia Journey, Part 2: Ode To A... Top 5 discoveries on classic road trip...
20 22
Financial Goals: Keep it simple, stupid...
Startup Guide: How Can I Start...
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 MB Business Magazine is a monthly issue business magazine published by MB Enterprises Ontario, Canada. Printed by Vision Printers Contents Š Copyrights 2017 by MB Enterprises, may not be reprinted without written permission.
Starting your own business...
Subscribe / Unsubscribe or Advertise by emailing us at mbe-marketing@mbeforyou.com
A Leader's Way to Live Happier Life
Courtesy: MANSOOR NAQVI President MB Enterprises
In today's world, we are all working hard.
difference and how they can also have it
get home you don’t have to be flushed
Our goals are to bring something into
all. Anyone can accomplish this by
with paperwork, and meeting deadlines
our home, so that our family can enjoy
following these simple steps,
you were unable to meet. What you
the same success we feel at work. But
• Staying focus
would like to do is take out time for
slowly, as we start becoming more
• Honesty
yourself. Have time to talk to your wife or
successful, the things that would oncs
• Being real
husband, and ask them how their day
make us happy are nothing but small
• Having an agenda plan
was. Ask your kids how their day at
goals in our eyes. We at one point at our
• Positivity
school was, focus on what they say as
life, forget where we started, and how
sometimes it's hard for kids to build
hard it was to build from the bottom up.
Let begin with you're day of the office.
relationship, as many kids nowadays
Because of this our family slowly,
You need to stay focused and know what
only care about computerized items.
unnoticeably starts to separate, we
you're plan in for the day. You will need
With this you can build a strong
slowly stop caring about the family
to make a goal for the day in order to
connection in the four walls of your
around us and start getting involved in
have something complet. You want to
home. Talking to your family about how
our work more. This also happens to us
make sure that what happens at work,
the day went by with you, and some
while we are working. Many people
stays at work. This is because when you
challenges you had to overcome, shows
forget what they are working for, and what their goals are. They use the power that they have gained for foolish and childish things. It is the leader’s responsibility, to remind them about the roots of where they started and make sure that they stay on track. If you fail to do so, then everything that you have worked for will slowly start crumbling in front of your own eyes. If you would really want to be successful and want to pass the same passion you have of your work from one generation to another, you need to work like the day you first started. You need that passion that you had in your eyes when you first started your dream job, and to work towards whatever dreams you first had. For this we need to create a balance between both our work and family life, to teach the younger generation the
04
MB BUSINESS MAGAZINE MARCH 2017
them how hard you also work, and how
we pretend that we know everything,
always happy about what we do. We
hard someone has to work in order to be
and we believe that whatever we are
sometimes let work or family issues get
successful.
doing, is right. We slowly start building
the best of us. This is very dangerous,
this lie around us which will only stab us
as negativity only leads to negativity.
Now this brings us to honesty, a simple
in the back when something happens to
Working on being positive will lead us to
word that we are told as a kid. But how
us, as well need to deal with the real
a happier life and this will make the
would this relate to work and family?
world and not our fantasy. This is why we
people around us enjoy what they are
This does have a very big impact on
need to be our self a 100% of the time.
doing, if that is work or spending time
these two places in your life. You have to
With the people who we work with and
together as a family.
be honest with the people around you, if
the people we come home to. When we
you lie and try to take the easy way out
are our own self, we can understand
Overall, my message to you today is,
then that person's trust for you will
other people around us and build a deep
success is not always easy, and it can
vanish and they will no longer see you
relationship.
be very easy to be able to forget our
as a role model. Being honest to the
roots and for the people around us to
people that you work with is just as
Now to be able to finish all the goals that
also forget their roots. And to make sure
important to being honest with your
we have we need to make an agenda.
that we don’t associate success with
family. Telling people in your life that you
Planning what we want to do for the day,
weath. If you want to succeed, you need
are having a hard time, instead of lying
and what goals we need to meet. An
to be credible, and acceptable. Both of
and telling them that everything will be
agenda will help you remember what
these things will help you balance
okay, will open their mind, and they will
you have to do at what time. This will
between your family and work.
help you which at the end will benefit
help you separate work time with family
you and your relationship that you have
time. Being able to keep track of your
built on honesty.
work will help you to make new goals that you can also work on.
Being yourself during this is also
Bring positive about your decisions and
important. You cannot pretend to be
the choices that you make, may
someone who you are not. Many times
sometimes be hard, as we are not
MB BUSINESS MAGAZINE MARCH 2017
05
Make Your First Impression Your Best Impression M
ost people think first impression
Courtesy: MAHMOOD NAQVI Vice President MB Enterprises
mutually.
is last impression, however I don't agree with this statement,
discuss business and might be entering into a business relationship then you
If I am in this particular situation, than I
have to be very careful, be original and
as my point of view is different. If I have
would start with listening to them, and
give honest and true advice.
to say the same then I would say “make
try to understand there personality
your first impression your best
better.
impression” with confidence and honesty.
Introduce your business although he/she might know you in person , give them
While in the meeting it is important to
overview of your business and show
understand what the priorities are with
them how you can help them and give
All of us need confidence and that will
each individual and how you can advise
them time to think, don’t rush and do not
come with the full knowledge, practical
them, as it differs from case to case. As
get upset when they ask you questions
experience, and most importantly
pointed out earlier first be good listener
be ready to reply them as a true
eagerness to learn by experience
and then give your point of view if you
professional with respect.
regardless of age.
are in that particular situation then you would have to handle that situation in
Finally I would like to conclude with a
To achieve success one should be
your way which should be logical and be
message that a positive composure and
confident enough to be presentable and
real and give honest advice through
selection of words will open doors to
should know how to impress others with
which confidence will develop and
success whereas, a bad one will cause
the ideas which are practical, honest
relationship will be established and you
those doors to shut off. Therefore, to get
and result oriented. It is not easy to
will have an excellent impression. It is
achievement in your life you need to opt
influence anybody, one should know
also important to understand that in the
for those words which does not shows
how to talk and what to talk, where to
first meeting we will not get the
artificiality but looks original and honest
stop, and how logical you talk in your
business, we must not get disappointed
which touches heart and give first
discussion, then you will conclude the
and never think it was a waste of time
impression the best.
meeting with good results and success,
you never know some times it takes
and this comes with the experience. A
months or years to establish the
successful person is one who has ability
relationship. The requirements to get into
to talk confidently with full knowledge
any business relationship you must first
and experience and one who knows how
establish a relationship of “Trust &
to start any meeting, and one who does
Confidence” this will happen only with
not lose control while discussing and
your first impression which should be the
one who is a good listener and gives fair
best one as that is the
opportunity to the other person to talk.
roots to build that particular relationship.
Here are two examples: 1) When you meet someone for the first
2) If the situation is
time having no idea about his/her
different, if you know
temperament or personality and you
each other and you are
have a challenge conducting a meeting
meeting first time to
having positive results which benefits
06
MB BUSINESS MAGAZINE MARCH 2017
WHERE BENEFITS MEET REWARD
BIGGEST NEWS
OF THE SEASON FOR ALL THE MBBP MEMBERS
GET A FREE APPLE iPHONE 7
BUNDLE DETAILS Voice & Data Plan - Share Plus $75:
2 Years Term
$75 Per Month
Unlimited Nationwide Minutes
3GB of Shared Data Nationwide Unlimited SMS / MMS $100 Credit Given on Top Call Display, Voicemail 10, Call Waiting, Conference Calling, 2500 Local Call Forwarding. Limited Minutes (350 Minutes) Evening and Weekends Free, Available For $10 Less Address: 104-100 Dynamic Drive, Toronto ON M1V 5C4 Tel: 1-855-669-6227 Email: info@mbbpforyou.com Website: www.mbbpforyou.com
07
Ethics In The WORKPLACE W
Courtesy: ALAMDAR HUSSAIN Country Head MB Enterprises
orkplace ethics leads to happy
company’s information to any of the
• Recruiting and retaining top-quality
and satisfied employees who
external parties. It is better not to
people;
enjoy coming to work rather
discuss official matters with friends and
• Building and sustaining your
relatives.
association’s reputation within the
than treating it as a mere source of burden. Employees also develop a
communities in which you operate;
feeling of loyalty and attachment towards
There must be absolute fairness in
the organization. Organizations need to
monetary transactions and all kinds of
• Providing ethical guidance and
have fool-proof systems to measure the
trading. Never ever cheat your clients.
resources for employees prior to making
performances of individuals. Appraisal
difficult decisions.
system needs to be designed keeping in
Organizations must not discriminate any
mind employee’s performance
employee on the grounds of sex,
Formal ethics programs and informal
throughout the year and his/her career
physical appearance, age or family
ethics practices are related to key
growth. Management ought to be
background.
outcomes. Employees who work in
transparent with its employees. Let them
organizations with ethics programs, who
have a say in company’s decisions. Let
Organization must not exploit any of the
see their leaders and supervisors
them decide what is right and what is
employees.The employees must be paid
modeling ethical behavior, and who see
wrong for them. Sit with them, discuss,
according to their hard work and efforts.
values such as honesty, respect, and
brainstorm ideas and listen to what they
The management must ensure
trust applied “frequently” at work
have to say. Never ignore their opinions.
employees get their arrears, bonus,
generally report more positive
Let them come out with their grievances.
incentives and other reimbursements on
experiences regarding a range of ethics
time.
outcomes that include the following:
guidelines and principles which decide
Never lie to your customers. It is
• Less pressure on employees to
the way individuals should behave at the
unprofessional to make false promises
compromise ethics standards;
workplace. It also refers to the code of
to the consumers. Do not commit
conduct of the individuals working in a
anything which your organization can’t
• Greater likelihood of “feeling valued”
particular organization.
offer. It is important to be honest with
by their organizations.
Organization ethics includes various
your customers to expect loyalty from Every organization runs to earn profits
them. It is absolutely unethical to fool the
What managers and coworkers do on
but how it makes money is more
customers.
the job can influence their own views of
important. No organization should
what is acceptable or unacceptable
depend on unfair means to earn money.
The products should not pose a threat to
One must understand that money is not
environment and mankind.
the only important thing; pride and honor are more important.
Proper planning is important, but the
Establish Ethics Program
effectiveness of any association’s
Ethics programs are meant to affect how
approach also depends on
Employees should not indulge in
people think about and address ethical
characteristics that are unique to its
destruction or manipulation of
issues that arise on the job.
culture, the leadership style of the
information to get results. Data
executive director and executive team,
Tampering is considered strictly
The list of potential benefits linked to an
discussion of workplace ethics can raise
unethical and unprofessional in the
effective ethics program includes the
sensitive issues. Some people in your
corporate world.
following:
organization may have difficulty or be
Employees should not pass on
08
behavior.
uncomfortable discussing these issues.
MB BUSINESS MAGAZINE MARCH 2017
09
Kickstart A Healthier Life M
ost of the people when start to
go for a walk with your friends, take
think about a change or the
stairs instead of elevator or walk or cycle
Courtesy: ZARYAN SHAMSI
people who wait for the new
year to introduce a change in their lifestyle with a ‘new year, new me’ let me tell you that will simply not going to work. According to a research, you cannot adapt such drastic changes in your lifestyle but trying to incorporate little things in your life can certainly make a big difference. Changing your routines a
if you are going someplace near instead
water so you have to give the body what
bit and adapting new habits can
of using a vehicle. Everything counts.
it needs. An average person should be drinking 12 cups of water. You will find it
definitely take your health to a different
Avoid snacks
effective in reducing your snacking.
Well, you really need to lower the
These zero calories drinks won’t help
Here I have for you 5 simple tips which
proportions of snacks you are having
your body in any way. Substitute it with a
will help you to get started. You have to
unless it’s a healthier one like nuts, plain
bottle of water and your body will end up
start small, choose any one habit first
yogurt, boiled egg but I know that you
thanking you.
and try to adapt to it until it became a
might not be having these as your
part of your routine.
snacks. If you can’t replace it you need
A Good Night Sleep
to reduce it because it will spike your
Yes, it is more important than you think it
Move Around
insulin levels leading to the quick
is. You should be getting about 8 hours
By moving around, it means any sort of
storage of glucose in your body as a
of sleep to completely freshen up your
physical activity. It doesn’t have to be a
consequence asking you for more of
body. It does have number of benefits
definite amount of time in the gym; it can
these.
you never really thought about. Getting
level.
be anything you find interesting. Save some time from your busy schedule to
more creative, losing some weight, more
Hello Veggies
concentration, boosting up your mood, it
And yeah, some of you might not a big
all has to do with a good night sleep so
fan of it but let me tell you it’s the best
you better start having it.
you can give it to your body. Flooded with anti-oxidants and enriched with
There you go five simple changes that
vitamins and minerals, you can’t get any
will set you on track in no time. It needs
better. But here’s the thing pick the
time and dedication but it pays off.
veggies you can consume raw like
Always remember to start small but think
cucumber, carrots, tomatoes, lettuce.
big.
Frying vegetables kills the precious nutrients and you are left with nothing. A little stir-fry or a boil isn’t a big deal.
More and More Water I can talk on and on about the benefits of water. After all 75% of your body is
10
MB BUSINESS MAGAZINE MARCH 2017
March
EVENT 2017 CALENDAR MAR 01
WEDNESDAY
Ash Wednesday Many Christians in Canada mark Ash Wednesday as the first day of Lent. It is the beginning of the Lenten fast and is the day after Shrove Tuesday.
MAR 01
WEDNESDAY
St David's Day Many Canadians of Welsh descent or those with Welsh connections celebrate St David’s Day on March 1 each year. The Welsh flag is often seen during celebrations on the day, as well as daffodils or leeks pinned to clothing.
MAR 12
SUNDAY
Daylight Saving Time starts
MAR 13
MONDAY
Commonwealth Day
When local standard time is about to reach Sunday, 12 March 2017, 02:00:00 clocks are turned forward 1 hour to Sunday, 12 March 2017, 03:00:00 local daylight time instead Sunrise and sunset will be about 1 hour later on 12 Mar 2017 than the day before. There will be more light in the evening.
Commonwealth Day is annually held on the second Monday of March. it commemorates the Commonwealth of Nations, which is a union of some countries that used to be part of the British Empire. The date was chosen because it did not have any previous historical connotations.
MAR 17
FRIDAY
MAR 20
MONDAY
St. Patrick's Day St Patrick's Day is a public holiday in the Canadian province of Newfoundland and Labrador on the nearest Monday to March 17 each year. It remembers St Patrick, a missionary who converted many of Ireland's inhabitants to Christianity in the 5th century. His feast day also celebrates Irish culture.
March equinox here are two equinoxes every year – in March and September – when the Sun shines directly on the equator and the length of night and day are nearly equal.
MB BUSINESS MAGAZINE MARCH 2017
11
Condominiums, Drinking Water Systems and the Safe Drinking Water Act
Courtesy: www.rcllp.ca
ecently we have run into a
Therefore, it appears that in most, if not
when considering what type of
number of issues surrounding
all, of these cases it is not a safety
condominium to use for your
the interpretation of the Safe
concern that results in the vacant land
development be aware that a vacant
Drinking Water Act, 2002 (the “Act”).
condominium corporation having to
land condominium plan is likely to run
Namely, several municipalities have
comply with the added security,
into this issue. We suspect that common
declared that the system of works that
reporting, inspection, and testing
element condominium plans and
supplies water to the unit owners of the
imposed by the Act on non-municipal
possibly phased condominium plans will
condominium plan is a “non-municipal
drinking water systems, but rather the
receive similar treatment, however, to
year round drinking water system”, a
location of the unit boundaries. We draw
date we have not experienced this first
“non-municipal drinking water system” or
this conclusion based on the fact that if
hand.
in laymen’s terms a private drinking
there was a legitimate safety concern
water system under the Act.
with the system of works distributing
It should be noted that we have
R
water itself, then the municipalities
solutions to the concerns raised by the
The interesting part from our perspective
would not allow standard condominium
municipalities, which should satisfy even
is that municipalities only appear to be
plans to be exempt from these
a strict reading of the legislation.
raising this concern when the project is
requirements. Further, we are
being developed as a vacant land
experiencing these issues in
If you’re considering developing a vacant
condominium plan. As you may be
developments where one hundred per
land condominium, a standard phased
aware, a standard condominium plan
cent (100%) of the water supplied to the
condominium, or a common element
and a vacant land condominium plan
condominium has already been treated
condominium we strongly recommend
can appear exactly the same once built
in accordance with the Act by the
discussing drinking water systems with
out (although this is not always the
municipal drinking water system.
your legal counsel at the outset of the
case). Yet, it appears that if two developments are built side by side, one
project. This issue is yet to be resolved, but
a standard condominium plan and the other a vacant condominium plan, both of which have the exact same number of units, the exact same layout, and the exact same system of works distributing water, the municipalities would only consider the vacant land condominium plan a non-municipal drinking water system under the Act.
12
MB BUSINESS MAGAZINE MARCH 2017
BOUTIQUE CONDOMINIUM LIVING AT MISSISSAUGA RD
Greetings! Mansoor Naqvi Team announces an exclusive Project "EV ROYALE CONDOMINIUM RESIDENCES" An exclusive collection of suites that reflect the elite character of Mississauga road’s spectacular estate residences. Pure bespoke luxury, unlike anything Mississauga has ever seen. MISSISSAUGA’S MOST EXCLUSIVE LOCATION. DISCOVER A WORLD OF ELITE AREA AMENITIES HERE.
EXCLUSIVE VIP Broker Benefits By Mansoor Naqvi Team - Free Window Blinds
- $10,000 In Decor Dollars
- 1 Year Free Maintenence
- 1 Parking & 1 Locker Space
- Free Assignment
- Extended Deposit Structure
- Right to Lease During Occupancy
- Credit Valley Golf & Country Club Membership*
- Cap On Development Charges
Price Starts From
Mansoor Naqvi
Broker Royal LePage Exceptional Brokerage Independently owned & operated
$435,900 MAHMOOD NAQVI SALES REPRESENTATIVE
SYED HASSAN BROKER
13
Greetings! Mansoor Naqvi Team announces an exclusive Project "THE BENNETTE ON BAYVIEW" A boutique residence with a Bayview address surrounded by all the conveniences you will ever need. One of the prominent schools in the Bayview area. Closer to the subway. The Bennett on Bayview is a new condo development by First Avenue Properties and Latch Developments currently in preconstruction at 3237 Bayview Avenue, Toronto.
EXCLUSIVE INCENTIVES FOR LIMITED TIME ONLY WITH Mansoor Naqvi Team $15,000 discount in Purchase Price $5,000 Discount on Parking Free Assignment (Value $5000) Extended deposit structure Only 5% in 2016 and 5% in 2017 (Book Only with 10% down in 180 days) Laminate Flooring in Bedrooms
Outstanding Building Amenities 24-hour Concierge and elegantly appointed lobby Guest suite Outdoor lounge complete with Outdoor dining and BBQs Outdoor ďŹ re pit area Gourmet kitchen and private dining room Entertainment lounge Yoga studio Gym and wellness studio 9ft ceilings
Capping on Development Charges ($6000 on 1 BED & 1 BED + DEN, $8000 ON 2 BED) Lease option during occupancy Book with special deposit structure with only 10% in 6 months $5000 with offer Balance of 5% in 30 days 5% in 180 days 10% on occupancy / Closing in Nov 2018 to March 2019
Mansoor Naqvi
Broker Royal LePage Exceptional Brokerage Independently owned & operated
14
MAHMOOD NAQVI SALES REPRESENTATIVE
SYED HASSAN BROKER
Nova Scotia Journey, Part 2: Ode To A Summer Road Trip
Courtesy: MARIELLEN WARD www.breathedreamgo.com
the stuff of road trip iconography. Mundane tasks take on added significance. Looking for a road side café that hits the sweet spot of authentic yet sophisticated becomes ritualized. Watching the sun set from a new location gives you a feeling of accomplishment. It all makes you wonder if movement is in fact the natural condition of being human. I started my summer road trip this year
Top 5 discoveries on my classic road trip in Nova Scotia
destination. And with the start of each
in Nova Scotia’s capital, Halifax. You can
new day, an unaccountable swell of
read about my journey to Halifax from
IN MY VIEW, THERE ARE few places
excitement about the unknown
Toronto, and my stay in the historic, port
better for a summer road trip than Nova
adventures that lie ahead.
city in Journey to the Ocean. From Halifax, there are essentially three
Scotia, Canada. Winding roads, coastal scenery, rustic beauty, lively music,
And then there’s the rituals of loading
routes you can take. South to the very
roadside shacks selling lobster rolls, and
the car, choosing music, refolding the
popular South Shore, inland and north
some of the friendliest people you will
map, buying water and snacks … this is
along the Trans-Canada Highway 104,
ever meet. I first went on a road trip to Nova Scotia when I was four years old, and it’s drawn me back ever since. There’s genuine magic in the meeting of the perfect location and a summer road trip. After a day or two on the road, the rhythm of the trip begins to take hold. The forward movement becomes the focus, the organizing principle, to each new day. There’s no time for angst or doubt, the car must be packed, the attention directed at the new day’s
MB BUSINESS MAGAZINE MARCH 2017
15
and north along the lesser known
deserted, gorgeous on a hot sunny day
fresh seafood and perfectly cooked
Eastern Shore. I opted for the Eastern
with refreshingly chilly water. Bliss.
vegetables, and drank crisp, Nova Scotia white wine, for dinner the night I was
2. Finding the lost shores
there. I am planning to return for a week
At the very top of the Eastern Shore,
or two of solitude on the sea. Highly
there’s a coastline that stretches along
recommended.
the Atlantic from about Tor Bay to Guysborough on beautiful Chedabucto
The jewel of the “authentic seacoast,”
Bay. This region is dotted with small
tiny Guysborough is one of the most
communities that date from as early as
picturesque spots you will see anywhere, any time. A historic
Shore. And I’m so glad I did.
community dating from 1636, Guysborough has more recently seen a
My 5 top Nova Scotia discoveries
revival due to the efforts and
1. Stepping back in time
investments of one man, Glynn Williams,
The Eastern Shore starts directly north
an entrepreneur from Toronto. His
of Halifax and follows the Atlantic
company, which is called Authentic
coastline all the way up to the Canso
Seacoast, runs the DesBarres Manor
Causeway over to Cape Breton Island. A
Inn, the Rare Bird Pub, the Skipping
less popular tourist destination than
1636 and is sometimes referred to as
Stone Café and Store, the Osprey
other parts of Nova Scotia, it invites an
the “lost shores” and the “authentic
Shores Golf Resort, a coffee company,
unhurried pace. In fact, driving the
seacoast.” It’s historic, quaint,
brewery and a brand new distillery that
Eastern Shore, I felt like I had stepped
undiscovered and a bit wild. And by far
makes Nova Scotia’s favourite spirit,
back into a golden age of tourism, when
my favourite part of Nova Scotia.
rum.
It’s a great drive, a winding coastal road
Seawind Landing is the leading
All of these are lovely establishments,
dotted with picturesque picnic stops,
accommodation in this region. It’s
though perhaps a bit city-slicker for this
whimsical ice cream stands, and
certainly the best that I saw or
maritime themed folk art. The stretch
experienced. I recommend it as a base
from Halifax to Sheet Harbour has the
for exploring this part of the Eastern
most tourist amenities.
Shore, but it’s also a destination in itself,
there was more time, space, and peace.
ideal for artists, writers, nature lovers I drove most of the Eastern Shore in a
and people who just want to relax in a
day and I regret it. This part of Nova
peaceful, natural, comfortable setting.
Scotia is delightfully undiscovered. It’s
Right on the ocean, with room options in
the kind of charming vacation find we all
either the main lodge or separate two-story wood building with wide
otherwise very unpretentious area.
verandahs, Seawind Landing sits on 25
Guysborough also boasts a small
acres that include trails and rugged
marina, walking trails, the very popular
ocean beaches. Owners Dave and Ann
Days Gone By Café and the Old Court
Marie are friendly and helpful, and the
House Museum, which is also the
food is fantastic. I ate a cornucopia of
shiretown’s information centre. (Yes, Guysborough is a shiretown!) The museum is well worth a visit. I was roundly entertained by the bubbly
16
dream about. I am already dreaming of
story-telling talents of Brendan, who
returning. The highlight for me was a
knows a lot about the history of this
picnic lunch on Taylor Head Provincial
region. Here I learned that Prince Henry
Park Beach. A sweeping stretch of
Sinclair of Orkney landed on the shores
ocean beach, almost completely
of Nova Scotia, near what is now
MB BUSINESS MAGAZINE MARCH 2017
Guysborough Harbour, in 1398 — almost 100 years before Columbus. I also learned a lot of gruesome things about early dentistry and the role Nova Scotia’s telecommunications played in the Titanic disaster. Here’s Brendan, in the video below, talking about the delights of Guysborough. 3. Hearing the music of Cape Breton Island’s soul Music is the heart and soul of Cape Breton Island. I remember the first time I visited, in 1998, I was surprised to learn that a well-known Canadian musician seemed to hail from almost every hamlet or village, and many of them fiddlers. The music of Cape Breton is steeped in the Celtic tradition of fiddlers, step dancers and the Ceilidh (kay-lee) – which is Gaelic for a music infused party or gathering.
lunch to the sound of live music, visit the
The Ceilidh Trail is the name given to the
interactive museum and find out about
roadway that runs up the western side of
square dances and Ceilidhs in the
Cape Breton Island, which you can
region – there’s something on almost
immediately access after crossing the
every night in the summer. Another
Canso Causeway. It’s a gentle drive
recommended stop is the Red Shoe Pub
along rolling hills, between pastoral
in Mabou, which features tasty lobster
meadows and sea-facing cliffs. Be sure
rolls and live Celtic music – and is
to stop at The Celtic Music Interpretive
owned by the Rankin Sisters.
Centre in Judique. Here, you can have
4. Enjoying the island’s crowning glory The Cabot Trail and Cape Breton Highlands National Park are the crowning glory of Nova Scotia. The winding drive through this ruggedly beautiful region is one of the most scenic in Canada. Or anywhere. It all starts at about Cheticamp and runs around the top of the island, down to Ingonish. Dramatic coastlines, thickly forested mountains, charming fishing villages, and more opportunities for outdoor adventure than you could fit into one vacation. I chose whale watching. From Pleasant Bay, I went out onto the ocean in a zodiac with Capt. Mark’s Whale and Sea Cruise. A few miles out, we spotted a school of pilot whales and for a glorious time were surrounded by them They swam and jumped around us, just a few feet from the small boat, seemingly aware that we were entranced. As I watched their movements, like liquid grace, I felt uplifted and joyful. I was for a time at one with them in the water. It was a thrilling experience. Here it is, with music from Troy MacGillivray.
MB BUSINESS MAGAZINE MARCH 2017
17
At the end of the day I arrived in
5. Adopting a lobster in Pictou
I was taken on a tour of the museum
Ingonish, along a particularly wild
The end of my road trip. Pictou is a small
and the hatchery, and learned how they
stretch of coastline, and my favourite on
town on the Northumberland Straight.
grow and feed the baby lobsters. Lindy,
Cape Breton Island. Dinner was at the
From here, you can take a ferry over to
one of my tour guides, scooped two
Keltic Lodge, in the Purple Thistle Dining
Prince Edward Island (which is what I
Stage IV lobsters out of the hatchery for
Room, where I ate fresh seafood while
did). There is an air of fading seaside
me to “adopt.” I named them Romeo and
gazing out over a sweeping lawn to the
resort in Pictou, perhaps it saw better
Juliet and together we went out onto the
sea during a golden sunset.
days 50 years ago when families in
pier, where I poured the containers with
station wagons and honeymooning
the tiny lobsters – smaller than my
I stayed at the Keltic Lodge when we
couples came to stay in small, cosy inns
thumbnail – through a tube and into the
went on our family road trip to Atlantic
and eat ice cream while strolling along
ocean, where they will settle among the
Canada when I was four years old. I
the harbour front.
rocks to grow.
have a hazy memory of a castle-like
Pictou is called the birthplace of New
building on a craggy rock jutting into the
Scotland. The first migration directly from
By releasing Stage IV lobsters onto the
ocean. And, indeed, Keltic Lodge is a
Scotland landed here in 1773, on board
ocean’s rocky floor, they increase their
very atmospheric place of architectural
the ship Hector. A replica is anchored on
chances of reaching adulthood from less
grandeur and natural beauty, all kitted
the Hector Heritage Quay in town. Next
than 1 per cent to about 70 percent. And
out in a Scottish theme.
to it is the Northumberland Fisheries
in this way, they help preserve the health
Museum, and that’s where I headed. A
of the lobster fishing industry, a staple of
From the Keltic Lodge, you can access
series of brightly painted wooden
Nova Scotia. Here, in the video below,
the Middle Head hiking trail out to the tip
buildings along the waterfront, the
Lindy explains the Adopt-A-Lobster
of the peninsula. I hiked out after
museum houses an array of interactive
process.
breakfast and stood at the edge of
exhibits including a Lighthouse Museum
Canada. High above the crashing ocean
and shipwreck artifacts. But I was after
Adventures on the high seas
waves, with the wind whipping my hair
the lobsters.
It’s my last night in Nova Scotia. I’m at a country inn on the ocean, and the sea
around my face, and the sound of darting seabirds in the air, I thought
The Fisheries Museum is home to one
breeze is blowing in my window. There’s
about my parents, who are gone now,
of Canada’s only accessible lobster
a smell of the ocean, of fish, salt air. At
and how I was probably here with them
hatcheries and the unique
first, I didn’t think I liked this inn. It
once. I was overcome with longing for
Adopt-A-Lobster program. Created to
seemed too musty and old fashioned.
the past, and also reminded that nature
teach visitors about lobster fishing, when
Then I thought of Treasure Island, and
cycles on, like the ocean waves.
you Adopt-A-Lobster, you help the
the Admiral Benbow Inn — which is
Sometimes, we need to be reminded
support the sustainability and future
where the tale begins — and suddenly I
that we are part of these cycles, too.
health of the industry.
saw the romance inherent in a traditional ocean side inn. Though it’s the end of my Nova Scotia journey, with the Northumberland Straight stretching out in front of me as I write this, I see nothing but possibilities and hear nothing but the call of adventure.
18
MB BUSINESS MAGAZINE MARCH 2017
The Art of Packing T
Courtesy: Saleem Akhtar
here is something uplifting
plates. (If you have not mastered the
to move again within a few years, hold
about moving: a new home is
Zen of unpacking you may also want to
onto the coveted computer boxes.
a new beginning and packing
add aspirin to your box of essentials!)
becomes a purifying ritual, a time to
A great way to save time is to use a
decide what you will take and what you
Packing breakables can be the most
system of coloured labels. Even if you
will leave. Packing for a move is the
time consuming part of preparing for
don't consider yourself ultra-organized,
packrat's only true redemption. When
your move. Each glass, cup, plate, and
it's a simple time-saver. Buy large office
else are they likely to discard, recycle or
bowl must be wrapped. Most of us use
labels in four or five colours and use
donate the mountains of clothes, unread
old newspaper but the ink can become
different colours to denote different parts
magazines, and knickknacks? Packrat or
messy. Try wrapping your plates in
of the house (ex. yellow for the kitchen,
not it can seem like a daunting task.
tablecloths, dishtowels, clothes or bath
blue for the bathroom etc.) Colour
Take a deep breath and meditate on this
towels. Using fabric items as the actual
coding can be a quick visual reference.
phrase: packing can be pleasant. All you
wrapping material saves space and
need to know are a few tricks from the
weight-you would have had to pack them
No self-respecting mover would ever
masters.
up regardless but this way you do not
admit to it but sometimes boxes get left
transport unneeded newspaper which
in the rain just a little too long. The result
Whether you are moving across town or
will just end up in a crumpled pile in your
is wet belongings and occasionally
across the country, it's a good idea to
new kitchen.
clothes get ruined when colours bleed
pack a box of basic necessities and if
from dark to light fabrics. It's a good idea
possible transport the box with you to
You may be surprised at how expensive
to place any moisture-sensitive items in
your new home rather than putting it in
boxes can be if you decide to buy them
clean plastic bags before packing in
the moving truck. In case of any
from your movers or other packing
boxes.
unforeseen delays in the arrival of your
suppliers. Veteran movers are in the
belongings, you won't be completely
know on the best places to find free,
A Few Reminders:
inconvenienced. Keeping the box with
sturdy boxes: grocery and furniture
• Always pack the heaviest objects on
you also means you won't have to dig
stores receive most of their inventory in
the bottom and work up to those which
through stacks of boxes when you get to
boxes which must be disposed of. These
are light and breakable.
your new house. Some 'must-haves' are
merchants are usually happy to give
• Chemical cleaners should never share
shampoo, soap, coffee mugs, tea or
these away but try to ask for boxes in the
a box with food even those items which
instant coffee, pens, paper, a small box
first two weeks of any month; lots of
are canned or unopened.
of laundry detergent, scissors, a few
other people have the same idea and
• Criss-cross tape across the bottom of
washcloths and towels, toothbrush,
there may be none left if you wait until
boxes then up the sides to prevent
toothpaste, plastic utensils and paper
the end of the month. If you work in a
boxes from breaking open.
large office which frequently
Hopefully, by keeping these tips in mind,
updates its
you will manage to avoid any moving
computer
mishaps and make the first days in your
equipment, ask
new home as special as they should be.
for these particularly strong boxes in anticipation of your move. If you have storage space and plan
MB BUSINESS MAGAZINE MARCH 2017
19
Financial Goals: Keep It Simple, Stupid
Courtesy: www.financialuproar.com
Ah, the week between Christmas and New Year’s. The best week of the year, assuming you don’t like getting anything done. And if you don’t like gettin’ crap done, what’s wrong with you? Oh, laziness. Of course. The blog world is similar. Many writers take the whole week off, justifying it by saying nobody’s going to read their stuff anyway. Even YOUR BOY Nelly took three days off, a long-ass time for this workaholic. Don’t worry, I was still doing stuff behind the scenes. Other bloggers (personal finance ones, especially) decide that this week is a perfect time to reflect on 2016 and come up with some financial goals for 2017. These can include anything from tackling a mountain of debt to becoming slightly richer, with everything in between. Normally these will also include blogging goals, because, hey, who doesn’t like to see the sausage
The problem with financial goals
year is a long time and plans can be
There’s a reason for writing down goals
altered. The things we value constantly
for the whole world to see. Such an
shift and change too.
action does make one more accountable. It’s been proven by
A big thing affecting most people is they
SCIENCE!
spread themselves way too thin. Instead of focusing on two or three big
made?
But at the same
I’m convinced the main reason why
pass/fail rates
these blog posts exist is fodder for the writer, a plight I can certainly sympathize with. I’ll probably write between 1,000 and 1,200 articles next year. That’s a lot of topics. Add in a regular bi-monthly update and that’s a nice start to the ol’ editorial calendar.
time, goal are abysmal, something that happens for a number of reasons. Targets are often wildly
THC S e c u r i ty
To t a l H o m e C o n t r o l Security Systems
Residential & Commercial Be Safe & Have Peace of Mind Protect Your Property
- Intercoms - Alarm systems - Central Vacuums - Builders (rough ins)
Smart phone accessible
optimistic,
Fast and Professional
causing people
Receive $50 per referral
to get discouraged. A
20
Call: Fahim (416) 837-5059
MB BUSINESS MAGAZINE MARCH 2017
accomplishments they set ten or twelve
net worth increased closer to 15%, and
goals of varying importance.
that’s even before December numbers
My favorite example of this is reading
are official.
more.
The system I use Here’s what I do. If I set a financial goal
challenges. It isn’t enough to read because you enjoy it or because you get
And that’s it. Those are my two goals,
to increase my net worth 10% I can do
value out of the activity for these folks.
with only one being relatively short-term.
so in two ways — savings and
It’s all about maintaining a certain
Next, I focus more on systems and less
investment returns.
volume. Even if it does suck the fun out
on results, something I learned from
of a leisure activity. Besides, if someone
Scott Adams. Yes, that Scott Adams. The
I start with savings. I can’t save enough
really enjoyed reading, they’d find a way
crazy nutbar Trump supporter (who, by
to bump it up by that much, but I can
to fit it into the schedule.
the way, did a far better job predicting
save enough to get a 5% increase. The
the election than the smart folks paid to
other half comes from investment
That’s the way all values work, actually.
do so). Adams is less about goals and
returns.
If you really want to do something it
more about what you’ve gotta do to get
doesn’t matter how many times you
there.
I then break both down even further. Saving is easy for me at this point, so I
write it down or tell the rest of the world you’re gonna do it. Sure, all that helps,
Say you want to increase your net worth
don’t spend a lot of time there. Investing
but ultimately the impetus of change
50% this year, going from $25,000 to
is where I spend most of my time these
comes from within.
$50,000 in the bank. Okay, great. How
days. So I do things like setting aside
are you going to do this? The answer is
time to analyze potential investments.
simple. It’s going to be mostly savings.
I’ve also decided this year to join a
Thus, you’ve got to save $22,000 to get
couple of local organizations to expose
there and then earn an additional $3,000
myself to more local opportunities. And
from investments.
so on. This can get really detailed if you
How I’m approaching it I’m on the fence about personally making financial goals. I suppose it’s
let it.
something the wife and I will have to talk
Good start. Now let’s break it down even
about, a conversation I’ll ruin with farts
further. How are you doing to save
The bottom line
and terrible fantastic jokes.
$22,000? Will it be by spending less?
Financial goals are all fine and good, but
Earning more? A combination of the
as we often do, we take a good thing
two?
and slaughter it to the point where it’s
I do have a couple of long-term financial goals I focus on. The first is getting a net
unrecognizable.
worth of $50 million (nope, not a typo),
Say the solution is to save an additional
which is something I hope to hit by the
$11,000 and earn an additional $11,000.
Instead of spreading yourself thin with a
time I’m in my early 70s. That’s a long
Now it’s time to break it down even
dozen goals, focus on one or two. And
way off, so I have an intermediate goal
further. How will you save $11,000? It’s
rather than focusing on the result, spend
of growing my net worth by 10% a year.
going to take some drastic changes to
more time figuring out what steps will
The intermediate goal is a little tougher
do that, assuming you go from $0 to
get you there.
to hit because a lot of it depends on the
eleven g’s. It might mean getting rid of
stock market. If stocks are up like they
your car or downsizing into a cheaper
were this year, I’ve beaten my goal. Our
place. Do the same analysis for earning
21
Startup Guide: How Can I Start An Online Business From Scratch? S
tarting your own business from
Step 1. Searching For A Team
scratch is not as difficult as it
As the saying goes: “two heads are
may at first appear. Follow
better than one”. Before setting about
simple instructions, believe in yourself
organising your business, take some
and you will make it.
time to think who may be able to help
Where can I find like-minded co-workers? There are various methods with which to find people for your team, for example:
you to your realise project to the full.
1. At specialist events - various IT
Do you want to start your own online
Select the very best people for your
conferences, startup launches etc. It is
business, but you don’t know how?
team- those who can and want to move
recommended to visit such meetings
Maybe you are lacking in experience
forward irrespective of trials and
regularly, since it is possible not only to
and you’re afraid to make a mistake?
tribulations. At the initial stage you will
find co-founders and investors, but also
have to dedicate a lot of time and energy
to listen to experts’ advice and acquire
In this article we will try to give some
to the startup, though the result of your
new knowledge in the field of business
simple recommendations for creating a
work will not always be noticeable.
development.
successful online business – from
Therefore it is very important that the
searching for a team to taking your
founders be well-motivated, not lose
2. Via social media - Join different
startup to the next level.
faith in their success and work with
groups and business communities, join
determination.
discussions on forums, add interesting people as friends, create your own group and publish interesting content, linked to your startup, on your profile page. 3. Create a profile on specialised websites - It is possible to find like-minded co-workers, partners and investors via specialised services and exchange. Remember that a strong team is one of the most important factors affecting the success of your future business, and therefore we advise to carefully select true professionals for your team, and not people to whom you are bound by friendly or personal links. As is well-known, a “nice guy” is not a
22
MB BUSINESS MAGAZINE MARCH 2017
profession, and that is why starting a business with friends is one of the most widespread mistakes made by aspiring startuppers.
Step 2. Come Up With A Business Plan And Usp Creating a business plan which allows you to avoid making a lot of mistakes is the second step on the road to developing a successful online business.
Your business plan should be as close as possible to reality and take into account all aspects of your future project’s work: • Detailed description of the good/service; • Marketing strategy, market analysis and analysis of competitors; • Production plan, description of the
independently with specialised
• Developing the technical process
development platforms.
behind sales/service; • Using new advertising media for your
Step 4. Receive Your First Profit And Analyse The Results
business (SMM, contextual advertising
So then, you have received your first
forums, free notice boards, popular
orders and your first profit. The time has
marketplaces, various coupon websites
then come to analyse the results and
and others);
determine the new development
• Entering a new market (neighbouring
horizons for your business.
communities, large cities etc). Remember that the success of any
your competitors.
Step 5. Take It To The Next Level Your online business has started to bring you a regular income? Congratulations: your product is in-demand, and this means that it’s time to expand. This involves taking the following actions:
Step 3. Search For Your First Clients
• Registering as a legal entity
to demonstrate persistence, to draw the
It is easiest to find your first clients
• Searching for new partners and
amongst your friends and relatives.
employees (sales managers, couriers,
Spread the word about your startup on
service specialists- depending on your
social media and try to conclude your
line of business);
technical process of creating the product/providing the service; • Organisational plan with deadlines for carrying out each stage; • Financial plan and risk assessment; • Perspectives for development and expected results. To make it understood to your future clients and investors what you are offering, we advise you to come up with a USP- unique selling point. Try to find the strengths which set you apart from
and targeting marketing, thematic
business depends on different factors: the team’s professionalism and its motivation, a clearly thought-out action plan, the extent to which your product is unique and in-demand amongst consumers. The most important thing is right conclusions and adjust your development strategies according to reality.
first transactions with people you know. To widen your audience and to reach as many potential clients as possible, we advise you to create your own website. If your budget allows, it is better to take advantage of freelancers’ services or those of a professional agency. It is possible to create a website
MB BUSINESS MAGAZINE MARCH 2017
23
Tax Tips For Newcomers To Canada A
re you a newcomer or know
• Want to claim a refund
Courtesy: ALLAN MADAN, CA www.madanca.com Date of entry in Canada: When
someone who is? Read this
completing this area on your return,
blog to learn more about
enter the date you became a resident of
Canadian taxes and the deductions and
Canada for income tax purposes.
credits that are available to you.
Residency Status As a resident of Canada you are liable for Canadian income taxes on your worldwide income. You become a resident of Canada for income tax purposes when you establish significant
Even if you have not received income in
residential ties in Canada. You can
the year, you have to file a tax return to
usually establish these ties on the date
continue receiving the benefits and
Partner Information: Enter your
you arrive to Canada.
credit payments that you are entitled to.
partner’s net world income for the year.
The filing due date for personal tax Significant ties include:
returns is April 30 of the following year.
Benefits You Can Claim Canada Child Benefit:
• A home in Canada either rented or owned
Complete Your Tax Return
If you have kids, claim the Canada Child
• A spouse in Canada
There are three areas on your tax return
Benefit. This is a tax-free monthly benefit
• Dependents in Canada (such as
that must be completed during
payment made to eligible families to help
children)
preparation.
them with the cost of raising children under 18 year of age. Families with
File a Tax Return
Identification: Complete the entire
children under age 6 will receive an
As a resident of Canada you must file
identification area on page 1 of your tax
annual tax-free benefit of up to $6,400
a tax return if you:
return. This is used to assess your tax
per child. Those with children between
• Have to pay tax; or
return and calculate your GST/ HST
the ages of 6 and 17 will receive up to
credit, plus any benefits you may be
$5,400 annually. Households with
entitled to under the Canada child
children with annual income below
benefit.
$30,000 will receive the maximum payment. To apply for the Canada Child Benefit , fill out and send form RC66, Canada Child Benefits Application to the Canada Revenue Agency (CRA).
24
MB BUSINESS MAGAZINE MARCH 2017
GST/ HST Credit:
Canada on December 31, 2015, you can
Support Payments:
The GST/HST credit is a tax-free
elect to split your pension income. To
If you make spousal or child support
quarterly payment that helps individuals
make this election, you and your spouse
payments, you may be able to deduct
and families with low-income offset all or
or common-law partner must complete
the amounts you paid, even if your
part of the GST/HST that they pay. You
and attach Form T1032.
former spouse or common-law partner does not live in Canada.
no longer have to apply for this credit, the CRA will automatically determine if you are eligible for the credit when you
Other Deductions:
file your next tax return. The credit is
1. Professional fees
determined by the number of children
2. Employment expenses
that you have registered for the Canada
3. Childcare expenses
Child Tax Benefit or the GST/HST credit; Make sure you consider these tips if you
and your family net income.
are a newcomer to Canada, and claim
Deductions You Can Claim
all the tax credits and deductions that
RRSP Contributions:
Moving Expenses:
You can deduct contributions made to a
Generally, you cannot deduct moving
Canadian registered retirement savings
expenses. However, if you entered
plan. The maximum deduction limit is the
Canada to attend courses as a full-time
lesser of:
student enrolled in a program at an
• 18% of your prior year’s income
educational institution, and received a
• $25,370 (2016)
taxable Canadian scholarship, you may
Pension Income Splitting:
be eligible to deduct your moving
If you and your partner were residents of
expenses.
BW
Alda Tours
Travels + Money Transfer + Cruises
Hair Stylist
Phone: 647 273 9002
Inside of L_VY Spa & Nails Inc 1550 Kingston Road Pickering Ontario, L1V 1X6
Email: wrigtarlene34@yahoo.com
Need help planning? 1 877 615 2898!
Specializing In
Hair Extensions Weave & Braiding. Wash & Style. Cut Colour & Style Natural Hair Care. Treatments, Interlocking. Bridal Party Etc.. Arlene
are available to you.
Low Cost Travel Packages Expert. Money Transfer, Travels, Cruises Address: Jane and Finch Mall, 1911 Finch Ave W, North York, ON M3N 2V2 Website: www.flycentral.ca
ADDRESS: 2570 MATHESON BLVD E, SUITE 211, MISSISSAUGA ON L4W 4Z3, TORONTO, PHONE: 1-855-661-1577 EMAIL: INFO@PEARSONVISION.COM WEBSITE: WWW.PEARSONVISION.COM Address: _________ 3050 Artesian Dr # 16 Mississauga, ON L5M 7P5
BOOKING ONLINE
OUR FLEET Suv Sedan Accessible
MB BUSINESS MAGAZINE MARCH 2017
Tel: _____ (905) 569-7916 Website: _________ www.zeerah.ca
25
What Happens if You’re in a Parking Lot Accident? P
Courtesy: www.insurancehotline.com
arking lot accidents tend to be
have the right of way over a driver in a
a parking lot. You are automatically at
reported less frequently since
feeder lane. A feeder lane is a lane in a
fault if you are in an accident as a result
they are usually relatively
parking lot that does not directly exit
of failing to follow the directions of a
minor incidents, but they can be every
onto a road or highway, such as the lane
traffic sign in the parking lot, such as a
bit as significant to your driving and
between two rows of parked cars. So, for
stop or yield sign, or if you fail to follow
insurance records. It’s important to
example, if you were in a feeder lane
the directions of a police officer.
realize that they can affect your car
turning into the lane that leads directly to
insurance premiums just as much as
the parking lot exit, you must wait for any
• If you open your car door and hit
any other accident.
traffic in that lane to pass before turning.
another vehicle, you are automatically at
Who’s at fault in a Parking Lot Accident?
• Drivers leaving a parking space must
responsibility of the person opening a
yield to any other oncoming traffic. You
car door to ensure that there is no traffic
Sometimes it can be difficult to
must wait for all traffic to pass before
approaching before they do so.
determine who is at fault in a parking lot
pulling out or reversing out of your
accident, since the rules of the lot are
parking spot.
What should you do after a parking lot accident?
road. However, they are very similar. In
• If you are driving your vehicle, and you
A parking lot accident should be handled
addition, if there are no witnesses, it
collide with a legally parked car, you are
the same as any other accident. Any
often comes down to one driver’s word
automatically at fault. No matter the
accident should be reported to the
against the other. Here are some rules
circumstance, if you hit a legally parked
police if damage exceeds the province
to help you determine who is at fault in a
vehicle, you are at fault. On the other
limit (for instance, Alberta and Ontario’s
parking lot accident.
hand, if the car is parked illegally, the
is $2000).
fault for any damage. It is the
not as well-known as the rules of the
driver of that car could be at fault. Some people choose to pay for the
• Drivers in a thoroughfare (a lane that directly exits onto a road or highway)
26
• You must obey all traffic signs while in
accident out of their pocket without
can from the other driver, including their insurance company and policy number, along with their name, address, and phone number. If there are witnesses, collect contact information from them as well. • Report the accident to the police if the damage exceeds the province limit. If you’re in doubt on whether or not you should report the accident, call the police (non-emergency number) and ask for instructions. For more information on how to report an accident and who to report it to, check out our past video on reporting collisions. • Call your insurance company to report informing their insurance company, but
• Make sure that no one in your vehicle
the accident. Your insurance company
this approach can backfire. You are
is injured. If there are any medical
needs to know about the accident as
required to report all collisions to your
emergencies, you need to deal with
soon as possible. They can help with the
auto insurance carrier. If you don’t report
these as quickly as possible. If anyone is
arrangements to get your car repaired
it, the other driver can still contact their
in serious condition or unconscious, call
and get your claim started as soon as
insurance to make a claim – even if you
911 immediately.
possible to get you the assistance you
already paid for the damages yourself. If
• If you feel it is safe to do so, approach
need.
it is determined that you were wholly or
the other driver to
even partially at-fault for the accident,
see if they are ok.
your rates may end up increasing as a
Use your
result.
judgement to determine if it
If you cause damage to another vehicle
seems safe to
and the other driver is not present, leave
approach the
a note on their dashboard with your
other driver. Ask if
contact information to avoid a potential
they require any
hit-and-run claim against you. If your
medical
vehicle was damaged when you were
assistance.
not present, and no note was left with the other driver’s contact information,
• Get as much
you may not be held at fault, but you will
information as you
likely be required to pay the deductible
can. Your auto
to have the damage repaired.
insurance company will need
All of the same procedures following an
to know the time,
accident on the road are still good
date, and location
guidelines to follow if you are involved in
of the accident, as
a parking lot accident.
well as the make
• Move your vehicle out of the way of
and model of the
traffic if you are able and it is safe to do
other driver’s car.
so. If you are in the way of oncoming
Get as much
traffic, pull over to a less busy area if you
contact
can.
information as you
MB BUSINESS MAGAZINE MARCH 2017
GRAND OPENING IN
OSHAWA PACK GE
Seniors discount available Gift certificate available Weekday classes starting 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
27
The Cyber Security “As A Service” Strategy C
Courtesy: www.itworldcanada.com
yber security is, without doubt,
There is increasing demand for security
future threats, especially when the
the biggest elephant in the IT
and privacy to be more than an
systems are cloud-based, the apps are
room. Like the blind men and
after-thought. The idea of privacy and
dynamically composable and
the elephant parable, security isn’t easy
security by design was first introduced
to define and it is seldom possible to
by Ann Cavoukian and has been taken
most functions are virtualized and/or
claim anything is completely secure.
up around the world. A 1997 book by
containerized.
Over the past decade, security has
Don Tap Scott and Ann Cavoukian
probably been the single biggest
called “Who Knows?” also talked about
Developers need to integrate security
inhibitor to the emerging digital
privacy in a networked world.
into their software at all levels –
transformation.
infrastructure, platform and applications Robust security should be a
– and should include standard interfaces
There are simply too many publicized
characteristic of any well-designed IT
to allow security services to be
examples of serious breaches, including
component, network, system and
integrated across multiple clouds,
loss of data (e.g., identities), loss of
ecosystem. However, purely protective
networks, data centres and providers.
control and direct financial cost (such as
measures will not be sufficient as long
from ransomware). The Dyn DDOS
as intruders remain both innovative and
Basic security requirements include:
attack in October 2016 and the recent
motivated. No one can predict all
• Know the enemy – Collect and filter
Yahoo disclosures show that, even in
possible
IT industry information by sharing
2016, the security problem has not been
intruder data and hopefully benefitting
adequately solved. It is especially bad
from the trials and tribulations of other
when it takes several years to detect the intrusion! The next big security challenge will be the Internet of Things. The estimate of 50 billion connected “things” by 2020 makes assuring high security into a “never ending story.” Many of these IoT things will be associated with safety-critical systems. It’s hard even to imagine someone hacking your watch and listening via its microphone, but the idea is not that far-fetched.
companies; • Know yourself (i.e., your own environment) – Keep track of what you have by doing a far better job of asset management than ever before, including both physical and virtual assets, software components, system configurations and change history; • Stay aware of your world – Watch over your IT environment, including remote cloud services; monitor each application or service to establish a baseline history, to detect unusual
28
MB BUSINESS MAGAZINE MARCH 2017
centre of excellence that is responsible for advocating security. Some also have separate groups for privacy oversight. These groups often have trouble obtaining adequate funding and must also compete for expert resources. Option 2 – Fully outsourced: Another possibility is to outsource most or all security functions to a third party, although accountability must remain with the company. This option can be valuable if a trusted partnership can be established. It is also useful if substantially all assets are cloud-based. Option 3 – Security-as-a-Service: A SaaS-based approach can be the best activities (much like a bank checks for
to harden systems against known
approach when selective outsourcing is
unusual payment card use) and to
threats (at least those known at design
preferred or when in-house resources
detect unauthorized changes;
time); and
are not available. The SaaS approach
• Plan for incident responses – Things will happen despite the best defenses, so act quickly and decisively when necessary to minimize loss or damage, and work as quickly as possible when global events increase local risks; and • Avoid “not invented here” concerns – Take advantage of shared services using an “as a service” strategy to avoid
• Combined proactive and reactive – take advantage of all security life cycle processes from a priori protection to intelligent monitoring to post-incident “big data” analyses.
also minimizes capital costs, encourages state-of-the-art processes and encourages a joint effort that can be better aligned with hybrid cloud environments.
Three options exist for organizations to implement security services, regardless of the approach chosen: Option 1 – Do-it-yourself: Many organizations have their own security
the tendency to “re-create the wheel” for security systems. Since these security requirements are closely aligned with IT governance and overall systems management they should share the underpinning services and support systems, even if there are third party providers involved.
The three basic approaches to security are: • Reactive only – wait for a problem to occur (which is usually a given) and then work hard to quickly neutralize the problem and restore normal operations; • Proactive only – build generic “walls”
MB BUSINESS MAGAZINE MARCH 2017
29
Trucking Today TV Interview For MB Business Magazine: Baldeep Channi and Neha Khosla. MB Business Magazine: Mr. Baldeep Channi can you please start of by telling us about your unique venture which is Trucking Today TV?
people are involved in this business. It is
like to spend this money on nice fashion,
not only drivers that are part of this
cars, houses etc. I wanted to give them
industry it is also made up on
a platform where we could not only talk
mechanics, back offices, logistics and
about trucking but also about lifestyle
massive companies.
and business.
I moved to Canada from England in
As I was new to Canada and new to the
When I first started this channel I also
2012 where I had been involved in the
trucking industry I realized that I would
felt it would succeed because the
Media for many years. As soon as I
have to partner up with someone who
content that we have on our channel is
moved to Canada I wanted to start and
had not only experience but a deep
not just meant for those working in the
do something different and unique which
understanding of the industry and those
trucking industry but also for their
would help me stand out from the herd.
involved in it. I was fortunate enough to
families. For example we have
Conceptualized channels have always
meet people who were involved in the
programmes that are meant specifically
been my speciality and I immediately
industry and who had vast experience.
for the children of those involved in the
started to plan to start something similar
This gave me the confident to go ahead
industry. These shows range from
of my own. My first step was to research
with my idea to start a new Trucking TV
cartoons to kids shows. I felt because of
the market and try and find an industry
channel.
the number of people involved in the
Baldeep Channi:
that was booming. I decided upon the trucking industry based on its vast reach and how many
industry and the number of families
MB Business Magazine: Mr. Baldeep what made you believe that Trucking TV could be a success?
attached along with them, the channel
Baldeep Channi:
MB Business Magazine: Miss Neha what is your speciďŹ c role in the Trucking TV team and how are you ďŹ nding the experience so far?
The reason I felt that this could be a success is the sheer size of the industry and how much money is involved in this
was sure to reach out to a large population that would appreciate it.
business. In the GTA you can see that those involved in this industry be it the
Neha Khosla:
drivers or the company owners they are
I first moved to Canada a couple of
all making a decent amount of money.
years ago and came here and did my
These people are the same people that
MBA. At the time I had no experience or knowledge of the trucking industry but
30
highlight of the kind of channels that are available during the day and night?
when I met Mr. Baldeep and he asked
were able to setup everything technically
me to become a part of the team I was
I got my first breakout story when I
instantly ready to take upon the
heard about a very big strike that was
challenge. The reason this intrigued me
being planned by truck drivers from all
Baldeep Channi:
was because I was interested in doing
over the GTA. I had found out that the
At Trucking TV Television we are now
something completely out of the box and
drivers were planning to meet at a
trying to cater to all ages. At first we
out of my comfort zone. Mr. Channi soon
temple to discuss their issues. As soon
thought we would try and reach out to
came up with the idea that I should
as I heard this I gathered my team and
truck drivers but then I realized that they
come in front of the camera and speak
we headed to this temple to meet and
are also children, parents and partners
about student life in Canada. After that
speak to the drivers. When we reached
of those drivers sitting at home and they
first segment Mr. Channi and the team
the temple we met with the drivers and
must also be interested in the industry
believed that I would be the right face to
asked them what they were protesting
their family works in. We run everything
be in front of the camera representing
and they told us that no one was
from trucking industry related programs
the Trucking TV Television channel. I am
covering them and discussed various
to dramas, cartoons and music
also overseeing the operations part of
different issues they were facing in the
programmes. We want the channel to be
Trucking TV Television and the channel
industry.
something made for the whole family not just the drivers. They are also some
list and program list is also my responsibility. So far the experience has
The next day the drivers planned to park
specialized programs that are just for the
been a great learning one and I am very
their trucks at the MTO offices and have
drivers which include important advice
much enjoying my journey being a part
their strike over there. So at 5 A.M my
regarding the trucks, insurance,
of Trucking TV Television.
team and I headed to the location of the
mortgages, how to stay healthy on the
drivers and were the first and only media
road and special deals that are made
team over there to cover the story. At the
just for the drivers.
MB Business Magazine: How is your television channel helping people in the Trucking industry on a daily basis? Neha Khosla: One of the biggest ways we help people in the industry is by giving technical advice for all those that are involved. This ranges from driving instructions and training for drivers, to segments involving the actual trucks and its mechanical parts. We also have a website and an app for drivers which have many articles and tips on them. The website and app also help drivers face and tackle day to day issues that are our experienced team of people in the industry help them with.
MB Business Magazine: How was the start of Trucking TV Television when you ďŹ rst aired the channel and how were you able to break out into the public eye?
time I had no idea what a big deal this strike was going to be and how fortunate we were to be the channel to break the story. Within half an hour all the large channels such as CP24 had arrived at the scene and I had started getting calls from their offices asking me to give the footage of the starting of the strike and events of the day. For the next three days we heavily covered the events of the truck drivers’ strike and we were the go to channel for all news concerning the strike. Those three days truly were the start and boost that Trucking TV Television needed to become a success. After the strike was over the truck drivers called us to a local temple and thanked us for our help during the entire strike and for getting their message out to the public. We had officially become known in the industry after that event.
Baldeep Channi: When we first started the channel it took a couple of months to get the production and technical details set up. Once we
MB BUSINESS MAGAZINE MARCH 2017
MB Business Magazine: Having established yourself as a part of Canadian Media what is your advice for the next generations and how can they become a part of the media? Baldeep Channi: I truly believe that in the Canadian media there is a lot of space for conceptualized channels. The future generations should try and focus on creating something new that stands out from the norm and something that will intrigue people. When I came to this country I was told that I would not be able to compete with the larger sharks in the media industry but I never got scared or let this stop me from pursuing me dream and passion. My message is that people should do the same thing and not feel intimidated and should always believe they can do it if they have the right intentions and the right idea.
MB Business Magazine: Being a 24 hour channel can you give us a
31
The Secret to Getting Exactly What You Want In Business G
Courtesy: www.businessesgrow.com
etting exactly what you want in
I found the perfect rug for our space to
Media, grew by over 230%. As much as I
life or in business seems next
the tune of $3,500. My husband would
want to celebrate that, I’m busy picking it
to impossible these days. I’m
stroke out if I told him that’s what we’re
apart so we can do the same or better
spending on a rug — being a finance
this year.
here to tell you, it’s not.
man, he gave me a budget and a stern
Getting what you want in life or business
I’ve noticed something lately as I’ve
warning that we would stick to that
comes down to the same principles.
been trying to get my way. Tenacity pays
number.
Patience
off and so does data. Patience is also
Patience
As I reach the five-year mark, I’ve
I knew that I was probably not going to
stopped saying I want to “grow.” Last
In our current society, where we
get this rug. So I saved myself the
year was an excellent lesson in hyper
subscribe to the “I wanted it yesterday”
trouble of coming up with some pitch
growth — and truth be told, it was harder
mentality, we are basically setting
about how this was going to be the best
than I would have liked.
ourselves up for not getting what we
$3,500 rug EVER purchased.
something to note.
want. Let me explain.
See, all of these writers are running
Data
around telling you how easy it is to grow,
Keeping patience as a mantra, I found
to get the money, and scale your
several similar rugs that were cheaper
business. Either I didn’t have the same
The Secret To Getting Exactly What You Want (At Home)
but not quite as fitting for the space. I
magical experience with growth, or
presented all options and explained how
they’re selling you one of those “get rich
Recently, my husband and I decorated
I’d keep looking for a rug that looked like
quick” schemes.
our front room. It sat empty for two years
the expensive rug but was reasonably
because it’s a more formal space, and
priced.
It took me four years to have enough business to put a team together (rather
when we combined our furniture from our single days, we just didn’t have
Tenacity
than do it all myself). And all that growth
enough to work in this fancy type of
I have a knack for research and my
revenue we made last year? Most of it
setting (think: giant 1930s fireplace,
husband has a knack for finding THE
went to paying for that team.
chair railing, and old school box
BEST deals. Together, we kept
windows with even more molding).
searching until we found the same exact
My mental mindset in 2017 is to focus
rug on a discount site for $1,200.
on editing and refining the processes and people that got us to grow. This year
Of course, I picked decorating elements
is about focused growth or scaling.
straight from magazines like Better
Needless to say, I got the rug of my
Homes and Gardens and Crate and
dreams, we stuck to the budget, and
Barrel. And as we marketers know, with
now we’re both enjoying our new fancy
Data (In Business)
the big name, comes the big price.
formal room.
Mark recently asked his Alpha Audience Facebook Group what processes they
Here’s where patience, tenacity, and data come in.
Patience (In Business)
use to assess their career path.
Last year my company, B Squared
32
MB BUSINESS MAGAZINE MARCH 2017
I think data is a must — whether you’re
team members are doing low-value
often feel that our “I wanted it yesterday”
advancing your career working for
tasks (so we can save money by
society and way of thinking has people
someone else, or own your own
adjusting who is assigned to certain
chasing their own tails.
business. Focus on what you can
tasks).
control.
It’s hard (so hard) to keep at something 3. We also uncovered the next logical
… especially because it’s hard! Growing
We just completed a time/task exercise
area to hire for, allowing us to replicate
so much last year was incredibly difficult.
where we looked at three things:
processes AND people as we scale.
1. What is the average time to complete
I’ll be the first to admit that I’m not a
that I’m given fuel to continue to be
common tasks?
numbers person. But I am truly in love
tenacious in achieving what I want.
2. Who is currently assigned to a task
with using data to uncover ways to grow.
Of course, I’m never going to get exactly
By combining patience and data, I feel
(and their hourly rate)?
what I want. This isn’t about pushing the
3. Who should be assigned to the task
Find a way to love your data, and then
easy button and getting exactly what you
(and their rate)?
put it to work to help you flourish.
want.
We found three golden nuggets in the
Tenacity (In Business)
It’s about learning to use these three
process.
Approaching my fifth year in business,
themes, or your own processes and
1. We discovered an average time to
I’ve seen a lot of other business owners
workflows to inch your way closer to
complete tasks by pay grade. This allows
come and go. Some of them found more
winning at most things.
us to set better pricing with packages
passionate paths or decided to go back
that include many different tasks and
to corporate life.
processes or team members. There is no right or wrong answer, but I 2. In some cases, more experienced
Free Eyebrow 1st Time
Full Body Only $60 Done in 35 minutes Legs / Arms Underarms Only $30 Done in 25 minutes
Horizontal Blinds 3480 McNicoll Ave, Toronto ON M1V 5A7 Call For Free Estimates Mr. Kamal : (647) 895-3385
MB BUSINESS MAGAZINE MARCH 2017
Vertical Blinds Draperies
Arms / Underarms Brazilians Only $30 Done in 20 minutes To Book an Appointment Please Contact: Happy at (647) 763 - 9319 BRAMPTON
Shutters
33
CORE BUSINESSES
Address: 104-100 Dynamic Drive, Toronto, ON M1V 5C4 | Tel: 1-866-677-1377 | Fax: 1-866-204-6888 E-mail: info@mbeforyou.com | Web: www.mbeforyou.com 34
Telesales Telemarketing Call Centre
Low Rent Excellent Rates Debit & Credit Card Machines
Our goal is to assist you in maximizing your revenue
Software Solutions System Integration Payment Gateway Accounting and Bookeeping Services
E-commerce Application Information Security Services
Exciting Discount Offers Construction Services Contractor Developer
MB BUSINESS MAGAZINE MARCH 2017
Career Building Opportunities Entertainment & Cineplex Discount Coupons
35
Life Insurance Investments Refinance Private Mortgage Equity Take Out Business Loan
Travel Insurance Non Medical Insurance Drug & Dental Insurance
Rental or lease to own Marketing Printing Publishing
Excellent commission, Residual income More than 10,000 ATM Machines in North America
Exceptional Real Estate Services Brokerage Residential Brokerage Commercial
36
Providing Solutions To Your Financial Problems.
MB BUSINESS MAGAZINE MARCH 2017
DEEP CARE DENTAL CENTRE
WHERE BENEFITS MEET REWARD
we are proud to launch FIRST DENTAL TREATMENT ENSURE CARD FROM MBBP AND DEEP CARE DENTAL CENTRE.
COUPLE CARD RS: 10,000/Sum assured 70,000 rupees for Couple card holder / per year
SOLITARY CARD RS: 7,000/Sum assured 40,000 rupees for Solitary card holder / per year
STUDENT CARD RS: 4,000/Sum assured 25,000 rupees for Student card holder / per year
DEEP CARE DENTAL CENTRE: Address: F-2/1, Block-8, Kehkashan Clifton, Karachi. Facebook: www.facebook.com/mbbppakistan
MBBP: Suit # 105, Clifton Diamond, Block 4, Clifton, Karachi. Facebook: www.facebook.com/mbbppakistan | Website: www.mbbpforyou.com.pk 37
Contact Us: Tel: +1-866-667-1377 Website: www.mbeforyou.com
MB ADVERTISING WILL HELP YOU TO RAISE AWARENESS AND MARKET YOUR PRODUCTS \ SERVICES We Create & Place Advertisements Where It Works Best...!!! 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.
BRANDING BUNDLE ONLY IN $549 CONCEPT DEVELOPMENT
LOGO DESIGN
BRANDING
DIGITAL GRAPHICS
INCREASE SUCCESS RATE WITH US! 38
MBE
inc.
YOUR SUCCESS IS OUR PASSION
Elavon Inc., formerly NOVA, is a major processor of credit card transactions and a subsidiary of U.S. Bancorp.
Elan Financial Services, backed by the strength and integrity of U.S. Bank are a leading provider of reliable, flexible ATM and debit card programs.
Royal LePage is a Canadian real estate franchiser and owner-operator with more than 600 locations and over 15,000 Realtors in Canada.
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.
ADDRESS: 104-100 Dynamic Drive, Toronto, ON M1V 5C4 FAX: 1-866-204-6888
EMAIL: info@mbeforyou.com
TOLL FREE: 1-866-667-1377 WEB: www.mbeforyou.com
39
BLUE & WHITE AT YOUR SERVICE...
The City of Mississauga sets our operating rates. But that's not why we're the best choice for travel. Our Added Value and Reliable Services
Are Why Choosing Blue & White Taxi is The Best Decision
O U R
SERVICES
Wheelchair Accessible Vehicles
Airport Services
Parcels & Packages
We're equipped to get you and your
Use our sedans and minivans to
Our wheelchair accessible vehicles
luggage to any airport with fast,
deliver packages instantly,
are specially equipped to provide
reliable and affordable
bypassing a courier warehouse and
safe wheelchair access at no
transportation, without having to
additional stops. Our cars are
additional charge. Our drivers have
book days ahead. And if you're
already on the road and can be
special training and are always
concerned about fitting your
quickly dispatched to your pick up
available to help should additional
luggage, we'll dispatch a van to
point with very competitive rates.
assistance be required.
make you more comfortable.
Skip the middleman and ship in a Blue & White!
GENERAL INQUIRIES & BOOKING
Automated/Operator (905) 274-4444 Website: www.blueandwhitetaxi.ca |
40
| Toll Free 1-877-274-0470 Email: sales@blueandwhitetaxi.ca
BEST DEALS BUNDLE OFFER ONLY FOR MBBP MEMBERS
WHERE BENEFITS MEET REWARD
For All Kinds of Business & Residential Clients
$4.99
HOME PHONE 5 calling feature on your demand 300 North America long distance minutes NO CONTRACT
TELEVISION All top US and Canadian HD Channels
INTERNET
$49.99
High speed, Unlimited Cap, Dedicated VIP connection NO CONTRACT
Address: 104-100 Dynamic Drive, Toronto, ON M1V 5C4 | Tel: 1-855-669-6227 Fax: 1-866-204-6888 | E-mail: info@mbbpforyou.com
41
The Members Will Receive $15 on 1 Referral Member With Additional Bonus Amount On The Achievement Of Executive Levels Mr. A Signed 25 MBBP Members (15X25) Direct incentive = $375 Achieved Level 1 Additional Bonus = $500 Implemented one MBBP Service Additional Bonus = $500 1 MBE Service Ref. (POS) will get double bonus = $200 MBBP Will assign the position “MBBP UNIT OFFICER” Monthly residual will be approx. $3000 on 25 working members
42
MB SERVICES
POINTS
POS
100 Points
ATM
100 Points
LOAN
2500 Points
Insurance
200 Points
Real Estate
750 Points
Personal Accounting
Free Personal Annual Tax Return
Credit Counselling
Free Initial Consultation
Renovation & Rebuilding
2000-5000 Points
Mortgage & Business
Free Consultation +2000-200 Points
01
MBBP Unit OďŹƒcer $3,540
02
Team Leader
$7,080
Unit Manager
$28,000
03
BD Manager $14,000
04 05
Regional Manager
$112,000
06
07
Area Manager $56,000
Group General Manager $224,000
levels 43
ACCELERATE EXECUTIVE LEVELS & EARN ADDITIONAL 1
15
15 X $1 = $15
$15 X 15 = $225
$500
$500
$2,300
1 POS + 1 R.E + 1 Ins
$1,150
$3,540
2
30
30 X $1 = $30
$15 X 30 = $450
$1,000
$1,000
$4,600
2 POS + 2 R.E + 2 Ins
$2,300
$7,080
3
50
50 X $1 = $50
$15 X 50 = $750
$2,000
$2,000
$9,200
4POS + 4 R.E + 4 Ins
$4,600
$14,000
4
100
100 X $1 = $100
$15 X 100 = $1,500
$4,000
$4,000
$18,400
8 POS + 8 R.E + 8 Ins
$9,200
$28,000
5
200
200 X $1 = $200
$15 X 200 = $3,000
$8,000
$8,000
$36,800
16 POS + 16 R.E + 16 Ins
$18,400
$56,000
6
400
400 X $1 = $400
$15 X 400 = $6,000
$16,000
$1,6000
$73,600
32 POS + 32 R.E + 32 Ins
$36,800
$1,12,000
7
800
800 X $1 = $800
$15 X 800 = $12,000
$32,000
$3,2000
$1,47,200
64 POS + 64 R.E + 64 Ins
$73,600
$2,24,000
ADDRESS: 104 - 100 Dynamic Drive, Toronto, ON M1V 5C4 TOLL FREE: 1-855 (NOW - MBBP) 669-6227 WHERE BENEFITS MEET REWARD
44
FAX: 1-866-204-6888
|
EMAIL: info@mbbpforyou.com
MAKE A DIFFERENCE WITH MB ACCOUNTING Do You Want Assistance With Your Presonal Or Corporate Tax Issue? Personal Tax Return as low as $20
Corporate Tax Return as low as $150
OUR SERVICES Bookkeeping | PTR Service | Payroll Service | Finance | Accounting & Taxation Audit & Assurance | All Government Remittances Filled | HST, WSIB & Payroll Deductions Guaranteed Tax Solution | To Provide You Maximum Refund | Financial Forecast & Budgeting Entrepreneur & Investment Consulting
Address: 104-100 Dynamic Drive, Toronto, ON M1V 5C4 | Fax: (866) 204-6888 Email: info@mbaccounting.ca | Website: www.mbaccounting.ca 45
The Big Screen With Your Family & Friends Discounted Ticket For MBBP Members. 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 46
Hosting a Party? Contact Us Today to Book Your Event.
Located in the heart of beautiful Toronto
Our party hall is the place where the atmosphere is happy and enjoyable. The area of the hall is 5000 square feet and can accommodate up to 350 people. Can host special events such as birthday, celebrations, baby shower, exhibitions, seminars, corporate events, religious ceremonies and weddings etc.
Address: 9 Milvan Dr, Toronto, ON M9L 1Y9 Phone: (416) 902-5964 Web: www.Cloud9Partyhall.ca 47
CONSTRUCTION SERVICES ARCHITECTURE, CONTRACTOR & DEVELOPER
CALL US NOW 1-866-667-1377
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
Address: 104-100 Dynamic Drive, Toronto, ON M1V 5C4 | Fax: 1-866-204-6888 Email: info@mbeforyou.com | Web: www.mbeforyou.com
48
TOUTED AS BEST MULTI ETHNIC BUFFET IN TORONTO!! Grand Buffet
Address: 4141 Dixie Road Mississauga, On L4w 1v5 | Tel: (905) 212-1255 Email: Info@continentalgrandbuffet.ca | Web: Www.continentalgrandbuffet.ca 49
WE ALWAYS PROTECT CLIENT'S INTERESTS!
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.
OUR SERVICES WILLS
SMALL CLAIMS
IMMIGRATION
ESTATES
FAMILY LAW
REAL ESTATE
ACCIDENT CASES
CRIMINAL CASES
CALL NOW: (647) 427-2406 Address: 10 Milner Business Court, 3rd Floor, Toronto, ON. M1B 3C6 Tel: (416) 583-5205 | E-mail: info@inhaamlaw.com | Web: www.inhaamlaw.com 50
OUR SERVICES MOBILE
Take payments on the go with an intuitive mobile app that's compatible with most smartphones and tablets.
MERCHANT'S
IN-STORE
Accept payments in person with ease using your computer and a broad range of optional devices, like card reader and PIN pads.
FIRST CHOICE
E-COMMERCE
FOR PAYMENT
BACK OFFICE MAIL & PHONE
Manage your e-commerce business along with all of your other payment transactions in one, secure place
Process your mail and phone payments online. Great POS is ideal for recurring and instalment payment too.
PROCESSING E-mail: info@greatpos.ca Web: www.greatpos.ca Tel: 1-855-669-6227 Fax: 1-866-204-6888 51
Life Insurance
EXCLUSIVE OFFER FOR MBBP MEMBERS Investments
Free evaluation of your insurance policy RESP for your children without any obligation 1000 MBBP Points (On any qualified purchase)
AFFILIATED WITH
Non-Medical Insurance GET THE PERFECT INSURANCE POLICY CUSTOMIZED ACCORDING TO YOUR NEED. GET OBLIGATION FREE LIFE INSURANCE QUOTE TODAY. Drug & Dental Insurance Critical Illness Disability Insurance Visitor / Super Visa / Travel Insurance RESP (Registered Education Saving Program) RRSP (Registered Retirement Saving Program)
Address: 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 52
IMAGINATIVE SOLUTIONS THAT REINVENT BUSINESS OUR SERVICES ATM Solutions
Card Solutions
Mobile Solutions
Account Processing
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
ABOUT US
MB Global is a software house and IT firm that specializes in providing financial technology solutions to enterprises and firms worldwide. We serve more than 10,000 clients worldwide with the vision of becoming the largest provider of information technology services to the financial industry.
CONTACT US 1-866-667-1377
info@mbeforyou.com
www.mbeforyou.com
53
AUTO INSURANCE
HOME INSURANCE
Insurance Tiger makes it easy to find the best auto insurance coverage in Ontario.
A quality home insurance coverage will allow you to protect the things you value. At Insurance Tiger, we will help you find the best home insurance coverage in Ontario.
Our insurance brokers will do the comparison shopping for you to find the best coverage and right amount of protection. Multi-Policy Discounts Uber Insurance Student Discounts Family Member Discounts Telematic Discounts Low Commute / Mileage Discounts New Business Discounts Claims-Free Discounts Hybrid Vehicle Discounts
DUE OT L N WA ICY POL R RENE , FO YET?your namete to da us
y l mai d expir tiger.ca se e e n Plea t info a suranc in tac con newal@ e myr
COMMERCIAL INSURANCE Protect your business! Grow your business! Over the years, Insurance Tiger has grown and prospered by paying attention to our clients. We have a strong commitment to giving personal service and providing competitive Commercial and Business Insurance products.
Fast turn around quotes on: Overland Water Coverage High Value Homes Single Limit of Insurance Coverage Cash Settlement Property Policies Umbrella Policies Multiple Rental Properties Multiple Family Homes
Take advantage of these discounts: Multi-Policy Discount Non-Smoker Claims-Free Mortgage-Free
LIFE / TRAVEL INSURANCE Medical travel insurance is a must have when travelling outside your home province. Even a weekend shopping trip across the border or travelling across the world to meet family or leisure trip could end up being a nightmare without the proper Medical Travel insurance.
Protect your family for less than $1.00 a day
Do you have proper coverage for your business?
Term Life
Commercial Auto General Liability Commercial Property Places of Worship Equipment Breakdown Professional Liability Business Interruption Products Liability Retail Hospitality Services Cyber Liability Contractor's Package Builder's Risk
Whole Life Disability Insurance Critical Illness Insurance Supervisa Insurnace Travel Insurance Visitor Insurance Health Insurance Solutions
416-293-9495 • www.insurancetiger.ca Insurance Tiger owned and operated by Multirisk Insurance Brokers Inc.
54
55
Need A Mortgage? Commercial, Residential
Stop Paying Someone Else Mortgage When You Can Own A House! Let’s Help You
Make It Happen! Don’t Delay & Call Today
Our Services+ Advantages New Immigrants Welcome 5% Down? Self Employed Good or Bad Credit - No Problem! Free Consultation 1st & 2nd Mortgages Debt Consolidation Bank Says No? We Say YES! CONTACT : Usman Farooq BA (Hons), CAAMP Mortgage Consultant ASSOCIATE OF AMIT PURI : 1200048 & Get A Better Mortgage LIC 10874 Call For Professional Mortgage Advice
56
Free
Variable *2.15% Fix *2.49%
CONSULTATION FOR MBBP MEMBERS Direct: (416) 844-9192 Email: mortgage@mbeforyou.com Web: www.mbeforyou.com
LEGAL SERVICES PROVIDER, COMPLETE GUIDANCE FOR IMMIGRATION TO CANADA LIVE | work | STUDY | IMMIGRATION
Address: 4953 Dundas Street West, Suite 106 Toronto, ON. M9A 1B6 Tel: (416) 234-0514
|
Email: alinaqvi@rogers.com 57
LIVE WORK STUDY
OLUBUNMI OGNNIYI LL.B (HONS), B.L, LL.M, BARRISTER, SOLICTOR & NOTARY PUBLIC
OUR SERVICES: 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!
Wills Affidavits Family Law Corporate Immigration Real Estate Commercial Civil Litigation Power Of Attorney
Barrister & Solicitor, 2680 Matheson Boulevard East, Suite 102, Mississauga, ON. L4W 0A5 1-877-201-3476 58
1-877-201-3476
olu@ogunniyilawoffices.com
www.ogunniyilawoffices.com
SIMPLIFYING REAL ESTATE
TRANSACTIONS THROUGH TECHNOLOGY & EXPERIENCE
Our Services Real Estate
Purchase
ReямБnance
Line of Credit
Transactions
Sale
2nd Mortgage
Address: 250 Consumers Road, Suite 410, North York, ON M2J 4V6 Call: (416) 497- 6060 | Fax: (416) 497-6060 | Email: info@realinklaw.com 59
SPECIAL OFFER
20%OFF on All Products & Safety Plans For MBBP Members
WHERE BENEFITS MEET REWARD
60
Address: 104-100 Dynamic Drive, Toronto, ON M1V 5C4 | Tel: 1-855-669-6227 Fax: 1-866-204-6888 | Email: info@mbbpforyou.com | Web: www.mbbpforyou.com
WHERE BENEFITS MEET REWARD
WELCOME UNFATHOMED BENEFITS
MAKE A CAREER WITH MBBP
MBBP membership is powered by MBBP Canada Inc. MBBP provides its members with a variety of benefits with an irresistible value proposition. MBBP provides a platform for its members to enjoy discounted products and services. Address: 104-100 Dynamic Drive Toronto ON M1V 5C4
|
Email: info@mbbpforyou.com
Tel: 1-855-NOW-MBBP (669-6227) |
Web: www.mbbpforyou.com
|
Fax: 1-866-204-6888 61
WHERE BENEFITS MEET REWARDS
TOP 15
WHERE BENEFITS MEET REWARD
B E N E F I T S
104-100 Dynamic Drive, Toronto, ON. M1V 5C4 1-855-(NOW-MBBP) 669-6227 1-866-204-6888 info@mbbpforyou.com www.mbbpforyou.com
How to Apply: 1. Become an MBBP Member and get your login ID and Password. 2. Visit our website: www.mbbpforyou.com/MemberLogin.aspx with your login and password. 3. Order Cineplex Tickets online. 4. You will get the tickets via mail within the next 48 hours.
Save $5 On Each Ticket
CINEPLEX
Mbbp Members Can Use These Tickets All Over North America Ticket Will Never Expire
How to Apply:
DRUG BENEFITS
1. Become an MBBP Member. 2. Call us on (1-855-669-6227) and request for Drug Benefits. 3. We will send you a Trillium form to sign. 4. Send the signed form back to us. 5. After submission to Trillium you will get the Trillium Card in next 45 days.
60
Become MBBP Member and get the Discount up to on all Drugs and Medicines.
How to Apply: 1. 2. 3. 4.
Become an MBBP member Call on (416) 939-9378 Refer that you are MBBP member. You will be served as a special client and exclusive property will be referred to you with 20% below the market Value.
20 62
On Real Estate Services
ROYAL LEPAGE
3.5c
How to Apply: 1. Become an MBBP member. 2. Visit our website : www.mbbpforyou.com/MemberLogin.aspx with your login and password. 3. Click on GAS DISCOUNT button. 4. Fill the online form with your details 5. You will get the Gas Discount card in next 48 hours.
Save
PER LITER
GAS DISCOUNT
Being An Mbbp Member Get A Guaranteed Discount
How to Apply: 1. Become an MBBP member. 2. Visit our website www.mbbpforyou.com/MemberLogin.aspx with your login and password to get the secret code from there. 3. Call at 1.800.563.0677 then provide the secret CODE.
CAR INSURANCE
Being An Mbbp Member Contact Us To Get
15-30
Discount on Auto Insurance.
How to Apply: 1. Become an MBBP Member and get your login ID and Password. 2. Visit our website: www.mbbpforyou.com/MemberLogin.aspx with your login and password. And to get the secret code from there. 3. Call at 1.800.563.0677 then provide the secret CODE.
30
HOME INSURANCE
Discount being an MBBP Member, Contact us to get on Home Insurance.
How to Apply:
TAX RETURN
1. Become an MBBP member. 2. Send the Email to info@mbaccounting.com enclose all the related documents including: you T4, T4A & T5, Copy of Family’s last year’s NOA, Copy of one year brief Income, Information required if you have any kind of student loan or Rental income. 3. Our accounting team will file your PTR for free. Become MBBP Member & Let Our Accounting Team File Your
PTR For Free www.mbbpforyou.com
1-855-669-6227
/mbbployaltycard
63
How to Apply: 1. Become an MBBP member. 2. Call on 1-888-837-1451 and tell that you are an MBBP member. You can avail the discount on all the products. 3. Get 20% discount on all Reliance products.
20
RELIANCE
MBBP Members Will Receive an Average Discount on Reliance Product and Services.
Discount
How to Apply: 1. Become an MBBP member. 2. Visit the RMA website link for Choice Hotels. www.rmacanada.com/programs.html 3. Then click on Choice hotels website and select your Hotel.
CHOICE HOTELS
15
MBBP Member Can Enjoy Up To Discount From 6300 Hotels Worldwide. Contact Us For Further Details.
How to Apply: 1. Become an MBBP member. 2. Call on 1.855.616.6262. And refer that you are RMA member linked with MBBP. 3. Or you provide your details to us we will arrange a meeting at your place with the Rep from Federated Insurance.
30
BUSINESS INSURANCE
Being an MBBP Member Contact us to get Discount on Business Insurance.
How to Apply:
POS DEAL
1. 2. 3. 4. 5.
Become an MBBP member. Call on 1-866-667-1377 Refer that you are an MBBP member. You will be given forms to sign up. Enjoy 10% discount on POS deal.
Get
30 Discount
64
www.mbbpforyou.com
1-855-669-6227
/mbbployaltycard
How to Apply: 1. Become an MBBP member. 2. Call on 1-866-667-1377 3. Refer that you are MBBP member. And tell which service you want. 4. You will be given forms to sign up. 5. Enjoy 20% discount on all accounting service deal.
20
ACCOUNTING SERVICES
On Accounting Services
How to Apply:
MB BUSINESS MAGAZINE
1. 2. 3. 4. 5.
Become MBBP member Call on 1-866-667-1377 Refer that you are MBBP member. You will be given forms to sign up. Provide your business specifications for magazine ad.
Advertise Your Business In MB Business Magazine With
30 Discount
How to Apply: 1. 2. 3. 4. 5.
Become an MBBP member Call on 1-866-667-1377 Refer that you are MBBP member. Apply for ATM installation on your location. We will install an ATM machine at your place for free.
ATM DEAL How to Apply:
LIFE INSURANCE
1. 2. 3. 4.
Become an MBBP member Call on 647-832-7265. Refer that you are MBBP member. You will be served as a special client and exclusive discount will be given.
Special Client Exclusive
www.mbbpforyou.com
1-855-669-6227
Discount /mbbployaltycard
65
MB ENTERPRISE IS LOOKING FOR YOUNG ENERGETIC
SALES REPRESENTATIVES 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 Email: career@mbeforyou.com Web: www.mbeforyou.com
MB ENTERPRISE IS LOOKING FOR
ENERGETIC HARDWORKING ACCOUNTANTS
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 career@mbeforyou.com www.mbeforyou.com
66
MB BUSINESS MAGAZINE MARCH 2017
GET YOUR CAR INSURED WITH OUR AUTHORIZED VENDOR
WHERE BENEFITS MEET REWARD
4 Years Depreciation On Write-off / Waive Monthly Financial Charge ( 3% Premium for Paying On A Monthly Basis) Contact For Mbbp: Karen: 1-800-521-7738 The Johnson Insurance Membership Code Is Required For The Member.
HUGE GROUP DISCOUNTS ON HOME & AUTO INSURANCE (15-30%) $20 GETS 1 AIR MILE www.mbbpforyou.com
WHERE BENEFITS MEET REWARD
GAS STATION SAVINGS GET OUR PRIVILEGE CARD AND ENJOY THE BENEFITS
Drapery, Home Decor & Gifts
Address: 1921 Eglinton Ave E, Unit # 802 Scarborough, ON M1L 2L6 | Tel: (416) 755-2217 Adderss: 2 Thorncliffe Park Drive, Unit# 31, Toronto, ON M4H 1H2 | Tel: (416) 467-2378
Tel: (905) 655-5544 67 Baldwin St. N Brooklin, ON L1M 1A3 www.stanleysďŹ shandchips.com
68
MB BUSINESS MAGAZINE MARCH 2017
DUMP IT BINS
Address: 5000 Yonge St, Toronto, ON M2N, Canada Tel: 416-639-1933 647-490-2911 Email: dumpitdisposalbins@gmail.com Website: www.dumpitbins.com
Fresh & Delicious RECIEVE 25% OFF on showing this Ad Address: 4 Roper Rd. Scarborough ON, M1L 0G6 Phone: (416) 755 4247 E-mail: info@wardenwoodshair.com Website: www.wardenwoodshair.com
MB BUSINESS MAGAZINE MARCH 2017
BAR B Q TONITE PLATTER $40.99, LAHORI FISH $9.99 CHAPLI KABAB $8.99, KARAHI GHOST CHICKEN $9.99 CHARGHA F. $16.99 - H. $9.99, BIRYANI CHICKEN $8.99 Address: 35 Dundas St. West Mississauga, ON L5B 4M4 Tel: (905) 268-0088 | Email: info@barbqtonite.com Website: www.barbqtonite.com
69
LATEST GEN
AUTOMOTIVE INC.
Call us and experience the World of NARAT! Address: 2655 Lawrence Ave, East Unit 10, Scarborough, ON. M1P 2S3 | Ragual / Nick Tel: (647) 802-6824 E-mail: lgenauto@aol.com
Adderss: 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 | Website: www.narat.org
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!!
ABOUT US
Up to 45 Square Feet in Granite or Quartz Sink cutting is included Installation is included 4 edge profiles One week process Free removal
GMI Stone Inc. owns 7 quarries around the world and has open access to 45 quarries to provide unstoppable supply of most exotic colors of granite, marble and onyx. Experience the natural stones like never before.
World of imported natural stone...
70
MB BUSINESS MAGAZINE MARCH 2017
YOUR FIRST CHOICE FOR PAYMENT PROCESSING EXCELLENT RATES
ON DEBIT & CREDIT CARD MACHINES SWITCH YOUR DEBIT & CREDIT PROCESSING
Get up to 20% Discount or get $300 rebate
INTERCHANGE RATE Available in Canada
ICT 220
Processor: ELAVON
Pax S90
(GPRS Support by Tellus / Rogers) 3G Processor: CT Pay
SPECIAL OFFER
Rental as low as $12.99 Debit 0.05 cents Visa & Master card as low as 1.59% Non Qualified as low as 0.30%
VX810
(IP+ Dial UP) Global / CT Pay
IWL 250
Wireless Processor: Elavon & Global.
Address: 104-100 Dynamic Drive, Toronto, ON M1V 5C4 Call: 1-866-667-1377 | Fax: 1-866-204-6888 Email: info@mbeforyou.com Web: www.mbeforyou.com 71
THE PEAK AT EMERALD CITY, IDEALLY LOCATED WHERE THE DVP MEETS HWYS. 404 & 401, STEPS FROM THE DON MILLS SUBWAY STATION.
EXCEPTIONAL REAL ESTATE SERVICES
BROKERAGE INDEPENDENTLY OWNED & OPERATED
Helping you is what we do.
MAHMOOD NAQVI SALES REPRESENTATIVE
SYED HASSAN BROKER
SALEEM AKTHAR
SALES REPRESENTATIVE
GULZAR KHAN
SALES REPRESENTATIVE
104-100 Dynamic Drive, Toronto, ON M1V 5C4 200 Consumers Road, Suite 100, Toronto, ON M2J 4R4
SYED BAQAR KAZEMI
SALES REPRESENTATIVE
(416) 939-9378 (416) 497-5949 www.mansoornaqviteam.com