MBE Business Magazine

ISSUE 46 | OCTOBER / NOVEMBER 2018

PG. 56

interac

CCSA

CONVENIENCE RETAILERS

welcome federal action to lower credit card fees Pg 34

3 TIPS FOR ACHIEVING WORRY-FREE MONEY STATUS PG. 20

THIS MONTH FOCUSING ON: AI: Artificial Intelligence, Or? Part 3 of 3

Greenergy launches new Breakawayâ„¢ offer for Canadian Retail Gas Outlets

How to Become a CIO or CTO

Open Communication Makes Female Leaders More Effective

EDITOR'S LETTER Welcome to our October & November issue!

The main highlight of this issue is exclusive features on two of our preferred programs for our MBBP & RMA Members, Maximizing a Business Trip with our Choice Hotel Loyalty Program and Personal Lines Insurance Protection for RMA/MBBP members and their families.

Continuing with tradition we have included the latest business news, market insights and an event calendar showcasing all major holidays and events set to be celebrated across Canada in October & November

Publisher MB Enterprises Editor-in-chief Aurora Zabala Senior Editor Peter Z. Vaisey Managing Editors Steve Montgomery Mahmood Naqvi Design Cynthia Tolson A. Khan S. Saad

2018. We have also included the latest and most relevant business news coverage from across the world.

Production, Technology & Print Simon Wilson R.J

As always we hope this issue will be an informative and entertaining experience for all our readers and that it will live up to your expectations. Our team continues to work tirelessly to improve and refine our business magazine.

Advertising S. Hassan Shoeib Kamal

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For ad placements and marketing related queries, please email us at mbe-marketing@mbeforyou.com Thank you, Aurora Zabala, Editor In Chief.

Administration Alamdar Hussein Erum Asghar R. Adil HOW TO REACH US Website: www.mbeforyou.com Feed-back: 1-866-667-1377 E-mail: info@mbeforyou.com Mail: 100 Dynamic Drive, Unit 104, Scarborough, ON, M1V 5C4.

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Printed by Vision Printers Contents Š Copyrights 2017 by MBE, may not be reprinted without written permission.

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CONTENTS 06

The Art And Importance...

08

Why Your Attitude is...

10

Motivation Secrects...

13

Artificial Intelligence Or?

17

Do Health Benefits Equal Healthy Profits?

18

Event Calendar

20

3 Tips For Achieving Worry-Free Money Status

I have written many articles and the purpose of most of them is...

On a daily basis a person’s attitude is more important than...

Keeping your employees motivated is challenging for any business...

Part 3 of 3

22

Calgary Co-Op Stores

Calgary Co-op will be among the retailers...

23

Canned Food Companies...

24

Lending Your Company Car?...

26

Maximizing a Business Trip...

Soup, soda and beer makers can’t seem to put a lid on the effects of ther recent aluminum...

Many people may not think twice about lending their car to someone, especially if...

Business trips can quickly become stressful.

With planes to catch, meetings to attend and...

October November Events and Holidays In Canada

30

28

Fast Food Chains Look To Capitalize

Rising meat prices, as well as health, environmental and humanitarian concerns...

It's Insurance That Fits Your Life.

Personal lines insurance protection...

32

GREENERGY LAUNCHES...

new Breakaway™ offer for Canadian retail gas outlets

THE ART AND IMPORTANCE Of Presentation I have written many articles and the

Presentation is a key skill in all

1. The classroom presentation

purpose of most of them is to guide

aspects of life. For example you could

2. Verbal practice makes perfect

those who want to achieve success

have a great business idea that you

3. Communication Eye to eye

and those that want to maintain it. The

want to pitch but someone with a

4. Pause when you speak

problem that most people who find

worse idea can overtake you just due

5. Vary your voice

success face is that most of them

to the fact that they have better

forget how they achieved the success

presentation.

presenter

When I say “Classroom presentation�

in the first place. Most people feel that

always goes further in life. Sometimes

I am referring to any speech or

their success is a direct result of them

good presentation can make a person

presentation you will find yourself

and forget those that helped them on

look smarter than they actually are.

giving

the way and the roadmap they had to

The perfect combination a person can

environment

take in order to get where they are

wish to achieve is being smart and

presenting to an audience. Practicing

today. It is because of this some

able whilst also being great at

this kind of presentation is crucial

people develop a case of pride and do

presentation. With this combination it

because it teaches you how to outline

not have the ability to present their

will be very hard for anyone to stop

a point and present it to an audience.

success to the world. This importance

you from your plans and achieving

This is the most basic and practiced

of presentation is the main topic I will

your goals. The following are some

way of presenting.

discuss in this article.

points I would like to discuss in

A

great

regards to presentation

06

MBE BUSINESS MAGAZINE OCTOBER / NOVEMBER 2018

in

a

classroom where

type you

of are

When you are preparing to present W W W. M B E F O RYOU. C O M

anything to the public the best thing

and every single person so that your

interested in what you have to say and

you can do is verbal practice. By

point gets across to them properly.

will not lose interest so easily.

you the confidence but also helps you

Pausing at the right time can really

If you follow these steps and advice

realise how you will sound and how

help when getting your message

about presentation, then nothing can

long your presentation will take. This

across. The audience can lean forward

hold you back from presenting your

sort of practice will always help you in

in wanting to know what you are about

ideas and success to the world.

the long run when it comes time to

to say. It brings attention to the points

deliver the real presentation.

you want to be noticed and also helps

practicing out aloud this not only gives

to captivate the people in the room.

I cannot place enough emphasis on eye to eye communication. In the

The final piece of advice I have in

business world I have seen people

regards to presenting is vary your

lose big contracts and opportunities

voice throughout your presentation. If

due to the fact that they have

you speak in the same monotone voice

neglected giving their clients and

throughout your presentation you will

investors proper eye to eye contact.

lose the attention of your audience

When you are speaking to a group of

who will naturally get bored due to your

clients or investors you must make

tone. By varying your tone and your

sure to make eye contact with each

voice speed, people will be more

W W W. M B E F O RYOU. C O M

Syed mANSOOR Naqvi

PRESIDENT MBE

MBE BUSINESS MAGAZINE OCTOBER / NOVEMBER 2018

07

Why Your Attitude Is Everything

SYED MAHMOOD NAQVI Vice President | MB Enterprises

On a daily basis a person’s attitude is

easier to deal with such hard time

readers is that in order to have a

more important than most people

and tribulations.

positive attitude, focus on the good.

realize. Your attitude impacts

08

Focus on the good in yourself, the

everything and everyone around you

In order to gain a positive attitude,

good in your life, and the good in

whether you realize it or not. If you

instead of waiting for external things

others.

want people to like you and treat you

to make you happy, be happy from

fairly and with respect, then you have

within and actively search for

to start by working on your attitude.

happiness and positivity. This can

Your attitude directly impacts your

also be done by surrounding yourself

thoughts, your energy and the

with other people that have positive

actions you take. A positive attitude

attitudes, instead of surrounding

leads to good energy and positive

yourself with negativity. At the end of

actions, and a negative attitude leads

the day my belief is that happiness is

to mistakes and incorrect actions.

an attitude, not a situation.

A positive attitude can completely

Take small steps to make your

change a person’s life. Every person

attitude better, such as smiling. A

goes through some tough times in life

simple gesture such as a smile can

but how one reacts to these tough

not only make oneself feel better, but

times is very important. The people

can also bring positivity to the ones

that maintain positive attitudes find it

around you. My message to my

MBE BUSINESS MAGAZINE OCTOBER / NOVEMBER 2018

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MOTIVATION SECRETS TO INSPIRE YOUR EMPLOYEES Keeping your employees motivated is challenging for any business owner or manager.

SYED ALAMDAR HUSSAIN Country Head - MB Enterprises

Instilling motivation isn't easy, but it's necessary if you want

1. INDIVIDUAL ATTENTION MATTERS.

your employees to grow and stay satisfied with their jobs. It's

While teamwork is an important element of company

the driving factor that leads people to work harder, meaning

success, and grouping your employees together has advan-

more productivity for your organization, and the most impor-

tages in building that "team" mentality, nothing beats individu-

tant contributing factor to overall satisfaction, which leads to

al attention when it comes to individual motivation.

higher employee retention.

2. ADVANCEMENT OPPORTUNITIES ARE ENTICING. Everyone is unique, with unique values and ideas, and if you

People tend to feel stifled when their job becomes repetitive

want to be successful in instilling company-wide motivation,

or stagnant. Going too long in the same position, with no

you have to find multiple strategies to reach each individual.

changes or hope for change, will eventually demotivate even

WHY MOTIVATION IS IMPORTANT

the most ambitious employees.

and using those results to motivate them, you can improve

3. ENVIRONMENTAL MOTIVATORS CAN MAKE OR BREAK YOU.

business performance. In addition to being more highly

How you shape your work environment has a major effect on

engaged, motivated employees handle uncertainty more

your team's mentality. There's no right or wrong way to go

easily; are better problem-solvers; have higher levels of

about this, since every company is going to have a different

innovation, creativity, and customer-centricity; are more

culture, but it is important to include both opportunities to "get

profitable; create higher levels of customer satisfaction; and

away" from the traditional work environment and pieces of

increase employee retention rates.

color or flair that make the office interesting.

HIGH LEVELS OF EMPLOYEE MOTIVATION ARE INTRINSICALLY LINKED TO HIGH LEVELS OF EMPLOYEE ENGAGEMENT.

4. SOCIALIZATION MAKES PEOPLE MORE COMMITTED.

By understanding the reasoning behind employees’ actions,

Trying to make everyone in the office best friends is a bad idea for a number of reasons, but that doesn't mean they shouldn't have meaningful conversations outside of a typical

Here are nine motivation secrets that can help you keep your

work environment. Being friendly with your work force builds

work force happy and driven to succeed.

bonds and a collective sense of teamwork, and makes work seem less machine-like and more like an organic team effort.

5. TRANSPARENCY IS THE KEY TO COMMUNICATION. Creating an environment of transparency, where you speak openly about your business to your employees and they feel comfortable coming to you with anything that's on their minds can do wonders for the collective motivation of your workplace. That's because transparency builds trust; when people understand that you aren't hiding anything, and that you'll listen to anybody, they're far more likely to respect you as an authority and appreciate you as a leader. It also opens inter-departmental channels, giving employees and supervisor’s greater clarity and more opportunities to openly communicate.

10

MBE BUSINESS MAGAZINE OCTOBER / NOVEMBER 2018

W W W. M B E F O RYOU. C O M

6. INCREASE YOUR APPEAL

8. HEALTHIER EMPLOYEES

The acquisition of skilled and dedicated workers will help

Assuming you offer some type of health/dental plan and sick

create a strong foundation for your business. To bring these

leave, your workforce should be in relatively good health. If

individuals on board, it helps to have some tangible benefits

your employees have solid health insurance plans in place,

that differentiate your business from the masses. Rather than

there is a better likelihood that they will have regular check-

offering the bare minimum, give your employees benefits like

ups and take preventative medical steps, which should help

paid vacations and holidays, health plans, and retirement

in ensuring they don’t take many sick days. . By offering sick

plans to make your business more attractive. A survey

leave, workers who are sick and may be contagious won’t

showed that attracting and retaining talent was the biggest

infect others. The end result should be a healthier workforce.

reason that companies offered employee benefits. Offering solid benefits also demonstrates that you believe in your

9. BETTER JOB PERFORMANCE

company enough to invest in your employees, and proves

By offering benefits, you give employees more of a reason to

that you’re stable, which can help you acquire A-list talent.

care about your company and remain loyal. As a result, they should be willing to work harder, which can lead to greater

7. MINIMIZE YOUR TURNOVER RATE

productivity and higher quality. According to Insurance

It’s difficult for a business to make serious progress when

Quotes, 57 percent of private employers offer more than the

employees are constantly coming and going. When this

legally required benefits. For this reason, providing benefits

happens, it’s hard to establish a veteran team of experts, and

can put you above 43 percent of competitors who don’t offer

the overall talent level will lack. Fortunately, offering benefits

extra benefits.

packages is often enough to make employees stick around for the long run. By investing in your employees, it shows that

While offering employee benefits may cost a bit more initially,

you have their best interests in mind and value their job

the long-term advantages can greatly outweigh those costs

performance. This can help you build a tight-knit team of

and contribute to your overall success. Your business will be

professionals that will stay for years.

poised to acquire true professionals who are in it for the long haul. This will help create a stable workforce and position your business as an industry leader.

W W W. M B E F O RYOU. C O M

MBE BUSINESS MAGAZINE OCTOBER / NOVEMBER 2018

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AI: Artificial Intelligence, Or? Part 3 of 3

DAVID RALPH MACKERETH dmackereth@canimac.com

We will also need to constantly subdue and conquer Anticipat-

working diligently to get to Human 2.0, and then to move on

ed Ignorance as we read from an article in The Stand. “What

from the Earth, in their Acquisitively Implacable approach.

if, however, artificial intelligence puts the human race at

Where is the empathy for the other 14 million organisms living

mortal risk not because machines develop consciousness (at

on Earth? One of Merriam Webster’s definitions for cancer is:

present, no one has generated anything like consciousness)

something evil or malignant that spreads destructively.

but simply because artificial intelligence becomes so ordinary,

Evaluating the human experience on Planet Earth, must

so mundane, and so ubiquitous that humans only notice it too

place humanity within this definition.

late they’ve allowed it to take over their lives. The Algorithms won’t revolt and enslave us. Rather, the algorithms will be so

I have not yet addressed the Automatic Imbalance of AI on

good in making decisions for us, that it would be madness not

global events. Climate change and nuclear destruction are

to follow their advice. Algorithms are about to change what it

two forces brought on by humans that could result in our

means to work, and what it means to be human.” (5) We may

extinction. Hopefully, we can eliminate AI as a third

then witness Archetypal Indiscernibility of the human.

human-created threat. We have Elon Musk advising us, “The pace of progress in artificial intelligence is incredibly fast. The

We should now contemplate the success humanity has had

risk of something seriously dangerous happening is in the

on Planet Earth, prior to preparing plans to remake the Milky

five-year timeframe. 10 years at most.” A ‘Not-for-Profit’

Way and Universe into a preferred habitat for humanity, which

venture capital company, In-Q-Tel, invests in high tech

would prove to be an Astrophysical Improbability. As stated in

companies for the sole purpose of keeping the CIA, and other

Homo Deus, “Since the appearance of life, about four billion

intelligence agencies, equipped with the latest in information

years ago, never has a single species changed the global

technology. According to Wikipedia, the In-Q-Tel Corporation

ecology all by itself.” (7) Jean Paul Sartre suggests, “Our

is bound by its Charter agreement and annual contract with

responsibility is much greater than we might have supposed,

the CIA, which sets out the relationship between the two

because it involves all mankind.” The human skill set has

organizations. A review of the In-Q-Tel website lists 227 or so

achieved Apogean Inimitable success in changing very large

high tech companies in which they have made Ambiguous

environments (the Earth) – bring on the Milky Way and our

Investments. Also In-Q-Tel provided funding for the company

future Abstruse Invasions.

that Google ended up acquiring, that was then turned into Google Earth, as recorded in Wikipedia (Google Earth). As

We get further evidence of human feelings of superiority from

Fareed Zakaria points out in his ‘The Post-American World’,

Michael Stone in Discover May 2018, “Scientists estimate,

“The United States spends more on defense research and

thousands of species are lost annually due to the

development than the rest of the world put together.” Which

human-caused sixth mass extinction.” In Sapiens we are told,

goes a long way to providing the basis for American Independ-

“We have the dubious distinction of being the deadliest

ence. In an Economist Special Report ‘On The Future of War’

species in the annals of biology. Homo sapiens look like an

dated January 27, 2018, we find, “China is now adding

ecological serial killer” (10). The AI family of developers are

heavily armed [A]rtificial [I]slands in the South China Sea”,

W W W. M B E F O RYOU. C O M

MBE BUSINESS MAGAZINE OCTOBER / NOVEMBER 2018

13

leaving one to ponder if AI will lead to Aggressive Intentions.

know nothing of death. What is Devine, terrible, and incomprehensible is to know oneself immortal.” We should contem-

McKennitt points out, “Facebook’s first president, Sean

plate on our Assumed Impressions..

Parker, admits they consciously understood they were designing addiction into the Facebook technology but ‘did it

I realize I have taken great liberties with my AI samplings, but

anyway’”. (3) We really do need to manage our lives to avert

have not gone as far as the Sami of Northern Scandinavia

Apple Indigestion and forestall Addictive Impulses. To be fair

with their 1,000 terms for reindeer.

to our younger folks, we should keep in mind a preeminent Socrates quote from 2,500 years ago, “The children now love

Now, click your heels together three times, return to Earth,

luxury. They have bad manners, contempt for authority; they

stay the course and Adroitly Inhibit those who wish us to

show disrespect for elders and love chatter in place of

Avoid Intuition, while we contemplate if an AI machine would

exercise.” Indicating not all that much has changed over the

replace Descartes’ “I think, therefore I am” with “I think,

years and Chatbox with its Automated Integrated messages

therefore Am I human?”

can assist younger entrepreneurs in differentiating themselves from older business people. Kurzweil begins his ‘The Age of Spiritual Machines’ with these quotes, “The universe is made of stories, not of atoms” by Muriel Rukeyser, and has John D. Barrow asking, “Is the universe a great mechanism, a great computation, a great symmetry, a great accident or a great thought?” Borges concludes, “There is nothing very remarkable about being immortal, with the exception of mankind, all creatures are immortal, for they

14

MBE BUSINESS MAGAZINE OCTOBER / NOVEMBER 2018

W W W. M B E F O RYOU. C O M

MBE

inc.

YOUR SUCCESS IS OUR PASSION

Contact Us

BUSINESS PARTNERS

Address: 104-100 Dynamic Drive, Toronto, ON M1V 5C4 Toll free: 1-866-667-1377 | Fax: 1-866-204-6888 Email: info@mbeforyou.com Website: www.mbeforyou.com

WHERE BENEFITS MEET REWARD

Do health benefits equal healthy profits?

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MBE BUSINESS MAGAZINE OCTOBER / NOVEMBER 2018

17

October - November

EVENT 2018 CALENDAR OCT 1

MONDAY

Shemini Atzeret in Canada Many Jewish communities in Canada celebrate Shemini Atzeret (or Shmini Atzeret) and Simchat Torah. Shemini Atzeret is a Jewish holiday dedicated to the love of God. Simchat Torah marks the end of the Sukkot (or Sukkoth) festival.

OCT 2

TUESDAY

Simchat Torah in Canada Many Jewish communities in Canada celebrate Shemini Atzeret (or Shmini Atzeret) and Simchat Torah. They mark the end of the Sukkot (or Sukkoth) festival.

OCT 4

THURSDAY

Feast of St Francis of Assisi in Canada Many churches in Canada celebrate the Feast of St Francis of Assisi on October 4 each year. The feast commemorates the life of St Francis, who was born in the 12th century and is the Catholic Church’s patron saint of animals and the environment. It is a popular day for pets to be “blessed”.

OCT 8

MONDAY

Thanksgiving Day in Canada Thanksgiving Day in Canada has been a holiday on the second Monday of October since 1957. It is a chance for people to give thanks for a good harvest and other fortunes in the past year.

18

OCT 18

THURSDAY

OCT 31

WEDNESDAY

NOV 1

THURSDAY

Healthcare Aide Day in Canada NorQuest College’s Health Care Aide program is among the largest in Canada and prepares you to be a part of a health-care team in a variety of different settings, providing a high level of frontline care to clients in need of assistance. NorQuest College is licensed to deliver the Health Care Aide Government of Alberta Provincial Curriculum.

Halloween in Canada Halloween is celebrated in Canada on or around October 31. It is a day to mark the single night in the year when, according to old Celtic beliefs, spirits and the dead can cross over into the world of the living. Some people hold parties and children may trick-or-treat in their neighborhood.

All Saints' Day in Canada All Saints' Day is a celebration of all Christian saints, particularly those who have no special feast days of their own, in many Roman Catholic, Anglican and Protestant churches. In many western churches it is annually held November 1 and in many eastern churches it is celebrated on the first Sunday after Pentecost. It is also known as All Hallows Tide, All-Hallomas, or All Hallows' Day.

MBE BUSINESS MAGAZINE OCTOBER / NOVEMBER 2018

W W W. M B E F O RYOU. C O M

NOV 2

FRIDAY

All Souls' Day in Canada

NOV 4

SUNDAY

Clock Changes in Ottawa, Ontario, Canada

NOV 5

MONDAY

Diwali/Deepavali in Canada

All Souls’ Day is a day of alms giving and prayers for the dead. The intent is for the living to assist those in purgatory. Many western churches annually observe All Souls’ Day on November 2 and many eastern churches celebrate it prior to Lent and the day before Pentecost.

When local daylight time is about to reachSunday, 4 November 2018, 02:00:00 clocks are turned backward 1 hour to Sunday, 4 November 2018, 01:00:00 local standard time instead.

Sunrise and sunset will be about 1 hour earlier on 4 Nov 2018 than the day before. There will be more light in the morning.

Diwali (Dīvali, Dīpāwali, or Deepavali) is a festival of lights observed in October or November each year.

NOV 21

WEDNESDAY

Milad un Nabi (Mawlid) in Canada Many Muslims in Canada celebrate the Prophet Muhammad's birth and life or mourn his death on Eid Milad ul-Nabi (Mawlid, Milad-un-Nabi). The date occurs during the Islamic month of Rabi' al-awwal. Some Muslims mark this occasion by fasting or with parades, special prayers or conferences.

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MBE BUSINESS MAGAZINE OCTOBER / NOVEMBER 2018

19

3 TIPS FOR ACHIEVING worry-free money status

INTERAC www.interac.ca

(NC) Life is expensive, and no matter what your income it’s

Secure your finances. Having a financial plan is one

easy to feel like you’re constantly broke. But worrying about

thing, but you also need to know that the way you spend is

money doesn’t have to be the norm.

safe. With contactless payment technologies it’s now easier and more secure to just flash your debit card or mobile device

Here, Shannon Lee Simmons, founder of the New School of

for small purchases. Built-in spending limits help you maintain

Finance and author of Worry-Free Money, offers tips to help

control while protecting you if you lose your card. Plus, the

you achieve financial security.

Interac Zero Liability Policy means you don’t have to worry as you are not responsible for losses beyond your control.

Practice smart budgeting. Budgets are traditionally rigid and often don’t allow you to spend money in realistic ways.

Ride the wave of summer spending

The key to worry-free money is a plan that’s flexible and

(NC) Summer is often synonymous with spending, with warm

tailored to you, so you can achieve your financial goals while

weather driving everyone outdoors and social feeds heating

leaving room to spend on things you enjoy. Before you map

up. But when you’re headed to your local patio, supporting the

out those long-term goals, make a list of short-term action

hometown sports team or off on a summer adventure,

items that will help you get to where you’re going, without

managing your money isn’t always top of mind.

halting your spending full-stop.

Fortunately, there are a few tips to keep your spending in

Know your limits. Don’t fall into the trap of mindless

control this season:

spending. It’s too easy to be surprised by a big bill at the end of the month or to spend cash quickly without knowing where

Set a budget for fun — and stick to your limits. If

it went. Set limits and stick to them to make sure you save for

you plan your activities in advance, it’s easier to get a sense

retirement without falling into debt. An easy way to do this is

of what things cost and map your spending accordingly. While

paying with debit using Interac Flash, so you’re not accumulat-

there will always be those last-minute, can’t-be-missed

ing credit card debt you can’t afford. Debit is also a fast,

opportunities, when you are in control of your finances you

secure and convenient way to spend your own money, and

can spend money when you want because you know how you

you can instantly see your transactions and keep track of

can accommodate the expense later.

them to achieve your goals.

Use your own money. Don’t let your summer bills follow you into the fall by accumulating spending debt.

Financial expert Shannon Lee Simmons, founder of the New School of Finance, suggests selecting debit to pay for fun activities. Not only are you spending your own money instead of accumulating debt, with a mobile banking app you can track your transactions in real-time to keep tabs on what you’re spending.

Options like Interac Flash make it easy to make quick, small purchases and stay in control.

20

MBE BUSINESS MAGAZINE OCTOBER / NOVEMBER 2018

W W W. M B E F O RYOU. C O M

Protect your finances — and yourself — from

number is only an identifier in store, when debit is added to a

fraud. Some payment technologies have built-in security

mobile wallet, financial information is substituted with a token,

features to help keep your money safe. For example, your

which is a unique virtual account number that means no

debit card is an identifier only — no financial information is

financial information is stored or shared with the merchant.

exchanged with the merchant and this is true whether you

As an added layer of security, your mobile wallet is also

insert your card and enter a PIN, use Interac Flash or Interac

typically protected by Touch ID or passcode.

Debit on your mobile device.

It’s okay to be suspicious. If you suspect anything Fighting fraud: keeping your money safe online

unusual when using an ABM or point-of-sale terminal, do not

and in-store

use the machine but report it to your financial institution.

(NC) No one wants to be a victim of payment fraud. Yet almost a quarter of Canadians say they have clicked on a link that resulted in a phishing scam, while 64 per cent have been

Equally, if you’re unsure whether a phone call or email link requesting money is legitimate, hang up or ignore the email until you can confirm the source.

tempted to click on a link they weren’t completely sure was safe.

Always keep your banking information private.

Even when using Interac Flash, you’ll be periodically prompt-

When it comes to your money, there’s no shortage of tips for

ed to validate that you are you by entering your PIN. Protect

staying safe. Here are five reminders to help you stay

your PIN — don’t share it with anyone and be sure to shield

protected, whether you’re shopping online or in-store.

the PIN pad when you’re entering your number. Stay in control by checking your statements regularly to watch for

Choose debit. Your card number is only an identifier, so no banking information is shared with the merchant when you make a purchase. Plus, when it comes to going contactless, Interac Flash uses secure chip processing. That makes it next

any usual activity.

Find more information on how you can keep your money secure online at interac.ca/flash.

to impossible to create counterfeit cards and protects against fraudulent activities like skimming or electronic pickpocketing.

Your mobile wallet is secure. Just like your debit card W W W. M B E F O RYOU. C O M

MBE BUSINESS MAGAZINE OCTOBER / NOVEMBER 2018

21

CALGARY CO-OP STORES TO SELL CANNABIS PRODUCTS

Standalone stores will sell up to 300 products, including bongs and vaporizers

CHRIS POWELL

Calgary Co-op will be among the

stores averaging between 1,000 sq.

for cannabis stores, with Global News

retailers selling cannabis and

ft. and 1,200 sq. ft., with cannabis

Calgary reporting 102 applications

cannabis products when recreational

products stored in locked cabinets

were approved. Reports said the list

use becomes legal in Canada on Oct.

that are inaccessible to customers

of addresses of approved locations

17.

without an employee present.

released by the City last week also

Jim Riege, managing director of the

Riege said the Co-op planned to use

company’s cannabis division, told the

a combination of new and existing

CBC’s Calgary Eyeopener that

staff, who would help customers

The City of Calgary’s recent “What

surveys conducted last year suggest-

select appropriate products. He said

We Heard” report, based on more

ed customers were interested in

the stores would carry 300 or more

than 13,000 responses from an

being able to purchase cannabis and

products, including paraphernalia

online survey and workshops with

related products at its stores, which

such as vaporizers and bongs.

community and business organiza-

included seven Real Canadian

have traditionally carried products such as food and gasoline.

Superstore locations.

tions, revealed more than 5,000 Each location will feature approxi-

people said they would be “very

mately 15 cannabis products that

likely” to purchase cannabis at a

“We thought it would be another great

customers can see and smell in

retail store when it becomes legal,

option for our members to purchase

so-called “sniff jars,” though they will

while approximately 2,000 people

more products from Co-op,” Riege

not be permitted to touch the

indicated they would be “somewhat

told Eyeopener. “Some [customers]

products. Riege also said provincial

likely” to purchase cannabis

definitely are excited about it coming

rules forbid the Co-op from selling

to fruition…others are not as excited,

snacks traditionally associated with

The report also revealed 59% of

and that’s to be expected given the

post-cannabis consumption, such as

respondents believe cannabis stores

stigma around cannabis.”

chips and chocolate bars.

should maintain the same hours as

According to Riege, Calgary Co-op

The City of Calgary reportedly

are permitted to operate from 10 a.m.

plans to operate 12 standalone

received more than 250 applications

to 2 a.m.

the province’s liquor stores, which

22

MBE BUSINESS MAGAZINE OCTOBER / NOVEMBER 2018

W W W. M B E F O RYOU. C O M

CANNED FOOD COMPANIES

increasing prices to offset aluminum tariffs THE CANADIAN PRESS

Soup, soda and beer makers can’t

admitted on its most recent earnings

considering price hikes, but said it

seem to put a lid on the effects of the

call that it might be forced to make a

had instead applied for tariff exemp-

recent aluminum tariffs.

similar move.

tions for some of its products and was looking at alternative suppliers to

The 10% fees that were slapped on

“We’ve made no secret about the fact

mitigate costs.

imports of the metal by U.S.

that aluminum tariffs and freight and

Thomas Harrington, Cott’s president

President Donald Trump in early July

the unjustified increase in the

of services and chief executive officer

are making cans more expensive,

Midwest premium (aluminum

of its DSS bottled water and coffee

and forcing food and beverage

surcharge) are having a negative

business unit, said the company was

companies that rely on them for

impact on our cost structure and they

facing tariff-related costs because it

packaging to consider price increas-

may factor into future pricing

procures coolers for product distribu-

es and other ways to offset the costs.

decisions,” said Molson’s president

tion from China, which has imposed

and chief executive officer Gavin

about $60 billion of tariffs on

Hattersley.

products from the U.S., where Cott

The Campbell Company of Canada, which produces canned soup at its

does plenty of business.

soon-to-close Etobicoke, Ont. plant,

Coca-Cola’s CEO James Quincey

is set to jack up prices in late August

similarly told U.S. media recently that

As a result, he said, Cott is working

on a “broad range of products.”

it too would raise prices because of

towards “relatively modest” rent

the tariffs and rising labour costs, but

increases for the coolers customers

The exact amount by which prices

in a statement, spokesperson

can borrow from the company.

will be increased is still under

Shannon Denny said in Canada the

consideration, but the tariffs

company faced “similar cost

“While we’ve preferred not to see

combined with raising freight,

pressures as the U.S.” but wasn’t

these types of costs impact our

packaging and ingredient costs are to

sure if it would implement the same

business, we understand that these

blame, company spokesperson

increases here.

external factors come and go all the

Alexandra Sockett told The Canadian Press in an email.

Molson Coors Brewing Company W W W. M B E F O RYOU. C O M

time,” he said. “We are well Meanwhile, Mississauga-based Cott

positioned to manage these types of

Corporation, which produces water,

issues.”

coffee and colas, didn’t seem to be MBE BUSINESS MAGAZINE OCTOBER / NOVEMBER 2018

23

KNOWING YOUR BUSINESS MATTERS

Lending your company car? Maybe think twice Submitted by Mauro Di Tullio, SENIOR ACCOUNT REPRESENTATIVE, ASSOCIATIONS | www.federated.ca

Many people may not think twice about lending their car to someone, especially if they’re a friend or colleague. Some might also use their personal vehicle for business purposes, assuming it’s not a big deal.

But in both of these instances, major problems could arise if something goes wrong. So it’s important to think twice before lending out a company vehicle, and know as much as you can about what risks you’re opening yourself up to.

What could happen?

Once you lend your car or truck out, you can’t control what happens to it, but you could be negatively impacted by someone else’s actions. For instance, if the person borrowing the vehicle is in an at-fault accident, your insurance premium may increase.

Another thing to keep in mind is that third-party coverage may also be affected if the driver does something that violates your insurance policy and gets involved in an accident. You could be implicated in the third-party insurer’s recovery attempt as they could sue both the driver and vehicle owner. Your insurance coverage may not respond to the loss as a result of the violation, so you and the driver would have to pay for your own legal counsel.

Let’s start with some questions Because of the potential negative ramifications associated with lending out your company vehicle, it’s important to ask some questions before doing so. And yes, this applies even when lending a car to your own employees.

Some possible questions to ask include:  Do you have a proper driver’s license for the type of vehicle you’re using? You may wish to obtain a copy for your records, but also keep in mind applicable privacy law requirements when it comes to collecting personal information.  What will the car be used for?  How long will you need it for?  Where will you be travelling (out of province, out of the country)?  Who will be driving?  How many passengers will you have?  Will alcohol be consumed socially?

Some other things to keep in mind You can never be too careful in a situation like this. There are a number of best practices that you should perform, just to make sure you’re doing everything you can to avoid an unwanted situation.

Some important things to know are listed below:  There should only be as many people in the vehicle as there are seat belts.  See if there are any restrictions on the license of the person you’re lending the vehicle to.

Younger drivers especially may still be in some stage of their Graduated Driver License, which places restrictions on their driving status. page 24

 

Giving someone keys to your company vehicle gives them consent to drive it – even if there was no written or verbal agreement.

Vehicles with company logos can be great advertising but may also be detrimental to your business’ image if the vehicle is used irresponsibly or gets in an accident.

Coverage, coverage, coverage You can’t control what someone does when they’re using your company vehicle, but you can be careful about who you lend it to, and determine the measures you have in place in case of an accident. © Federated Insurance Company of Canada. All rights reserved.

This document is provided by Federated Insurance Company of Canada (“Federated”) for informational purposes only to augment your own internal safety, compliance and risk management practices, and is not intended as a substitute for assessment or other professional advice by a qualified person or entity.

Federated makes no representations or warranties regarding the accuracy or completeness of the information contained in this document. Federated shall not be responsible in any manner for any loss, or any direct, indirect, consequential, special, punitive or other damages, arising out of your, or any other person’s, use or reliance on the information contained in this document.

Mauro Di Tullio is the Senior Account Representative for Associations at Federated Insurance.

page 25

Maximizing a Business Trip with a Hotel Loyalty Program

Business trips can quickly become

you can earn points with every stay

that offer free nights for fewer points

stressful. With planes to catch,

that you can use for dining, shopping,

at varying locations or the ability to

meetings to attend and emails to

or gas. Rack up a few more points,

redeem your points for other perks

keep up with, most business

and you can even earn free nights to

like gift cards. To find out more about

travellers look forward to some

use for a family vacation, or your next

FlexRewards, and to set Your Extras

well-deserved, peaceful moments in

business trip! Whether you travel

and get a little something extra for

their hotel room at the end of a long

frequently or just once in awhile,

mid-week stays, visit ChoicePrivileg-

day. But what if your business trip

there’s nothing like knowing that your

es.com

could actually reward you with

hard work and time spent away from

something more than that? As you

home is earning you great perks.

face many options when it comes to

Besides earning points for future use and taking advantage of a loyalty

reasons to choose a hotel that can

How to pick the best loyalty program

maximize your business trip with a

Look for simplicity. No commitment

that go straight into your pocket.

loyalty program.

or long forms is best – no need to

Choice Hotels offers a lower rate to

add more paperwork to a business

RMA/MBBP members when booking

trip. With Choice Privileges, you can

using the assigned codes. For

even sign-up at checkout and get

additional information about rate

rewarded for that stay!

codes, please contact:

booking a hotel, there are several

Earn perks and even free nights while you work… and while you sleep!

With a loyalty program like Choice Hotels’ Choice Privileges program,

26

Same great stay – better deal

MBE BUSINESS MAGAZINE OCTOBER / NOVEMBER 2018

program, you can also earn savings

info@rmacanada.com.

Look for flexibility, such as programs

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FAST FOOD CHAINS LOOK TO CAPITALIZE ON VEGETARIAN, VEGAN TREND WITH NEW ITEMS www.business.financialpost.com Rising meat prices, as well as health,

Restaurants are the latest link of the

That accounts for about one-in-ten

environmental and humanitarian

food chain taking notice that more

diners and grocery shoppers.

concerns may be pushing consumers

consumers are turning to alternative

toward alternative proteins, but

protein because of high meat prices,

Food manufacturers have gobbled up

vegetarian and vegan food also

as well as environmental, humanitari-

plant-based protein makers and

tastes better than it used to

an and health reasons.

grocery stores have started carrying

The once meat-dominated world of

About seven per cent of Canadians

fast-food and casual restaurants is

consider themselves vegetarians and

“This has been building for more than

starting to cater to the one-in-ten

2.3 per cent identify as vegans—lev-

a generation, but only began taking

Canadian diners who identify as

els that were not previously known,

off about five years ago,” Michael

vegetarian or vegan by adding an

according to a poll conducted earlier

Whiteman, president of

increasing array of alternative

this year by Dalhousie University.

Baum+Whiteman, a food and

a wider array of meat alternatives.

proteins to their menus.

28

MBE BUSINESS MAGAZINE OCTOBER / NOVEMBER 2018

restaurant consultancy firm, said in

W W W. M B E F O RYOU. C O M

associated with the meat industry

The more upscale B.C.-based chain

have started to jump aboard the trend.

Earls Restaurants Ltd. restaurants recently unveiled a vegan menu

Ontario-based Maple Leaf Foods has

section at several of its U.S. and

made two important moves into the

Canadian locations and Aroma

space in the past two years, acquiring

Espresso Bar Canada revealed its

Lightlife Foods, a U.S. company that

so-called power burger, a vegan patty

makes plant-based foods, and Field

that it says “tastes like a traditional

Roast GrainMeat Co., another

hamburger.”

American alternative protein maker.

The demand is largely being driven by Nine Lightlife Foods products started

millenials. The Dalhousie report

appearing in Canadian grocery stores,

showed that among the Canadians

like Sobeys and Walmart, this

who identified as vegetarians and

summer, said Michael Lenahan,

vegans, more than half were under

Maple Leaf’s vice-president of

the age of 35.

marketing for alternative protein.

Millennials—a younger generation The meat processor’s acquisitions are

now in their 20s and 30s—tend to be

part of the company’s ambitious

concerned about health and beauty,

rebranding strategy for a health-con-

as well as animal welfare.

scious era, complete with a new goal: “to be the most sustainable protein

But baby boomers born near the end

company on earth.”

of the Second World War and now reaching their senior years are also

Plant-based protein tends to require

increasingly looking to meat-alterna-

less water and land compared to beef

tives amid concerns about extending

production, Lenahan said. But he

their lives, said Whiteman.

admits there’s also a big business case for adding plant-protein products

Rising beef prices and concern

to Maple Leaf’s portfolio.

around antibiotic use in agriculture may also be pushing consumers

“The category is just exploding,” said

toward alternative proteins, Robert

Lenahan.

Carter, executive director of foodservice for market-research firm NPD

an email.

But the world of fast food has, until

Group.

recently, lagged behind, often with Baum+Whiteman predicts plant-based

nary a veggie burger to be found at

But in the end, Carter said, the main

food hitting the mainstream will be the

some of the biggest brands in the food

impetus for the trend is the improve-

biggest trend in restaurant dining this

court.

ment in vegetarian and vegan options,

year.

which have come a long way in A&W Food Services of Canada Inc.

satisfying taste buds since they first

Until very recently, supermarkets have

last month launched a plant-based

started to appear.

been ground zero for the big expan-

burger made by Beyond Meat, a

sion of plant-based foods, he said,

celebrity-backed California-based

“The innovation within the vegan meal

adding over the last decade sections

company whose burger uses ingredi-

categories has really improved

devoted to vegetarian products

ents including beet, coconut oil and

dramatically… so that it actually really

doubled, and sometimes tripled, in

potato starch to mimic beef’s colour-

tastes good.”

size.

ing, juiciness and chew. Last week, the company announced the burgers

Even food manufacturers closely

W W W. M B E F O RYOU. C O M

were temporarily out of stock.

MBE BUSINESS MAGAZINE OCTOBER / NOVEMBER 2018

29

It’s insurance that fits your life!

Personal lines insurance protection for RMA/MBBP members and their families.

The McLennan Group Insurance Inc. is proud to partner with

offer multiple ways to save, including loyalty, multi-vehicle,

RMA/MBBP, who shares in our support of independent

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retailers and associations across Canada.

clean driving record, you could see significant savings compared to what you’re paying now.

We are a 100% Canadian owned, nationally licensed insurance broker who for more than 26 years, has designed

Home Insurance

and delivered innovative insurance products and services for

The McLennan Group Home Insurance provides comprehen-

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sive protection for your single largest investment. While you have the option to choose the level of coverage you require,

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• Disappearing Deductible - if you have a loss over $25,000, you do not pay for the deductible.

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• Student Away - if you have a student in the family who is

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• Identity Theft Recovery Expenses Endorsement - provides

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• The waiver of depreciation option protects your vehicle for its

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Outside Canada, coverage provided by provincial health plans for hospital and medical expenses is limited. Without

We begin with lower rates for RMA/MBBP members, and then

30

MBE BUSINESS MAGAZINE OCTOBER / NOVEMBER 2018

proper insurance, costs incurred from a medical emergency

W W W. M B E F O RYOU. C O M

can be financially devastating. But be aware that not all plans

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(LEGAL DISCLAIMER) The McLennan Group Insurance Inc. and The McLennan Group Life Insurance Inc. work with a number of trusted Canadian insurers. Please refer to your policy for complete coverage details, as certain limits and conditions apply. In case of inconsistency between the above descriptions and your policy, the terms and conditions of your policy will govern. Please note that not all coverages are available in all jurisdictions.

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MBE BUSINESS MAGAZINE OCTOBER / NOVEMBER 2018

31

GREENERGY LAUNCHES new Breakaway™ offer for Canadian retail gas outlets NIKKI LOCKINGTON Greenergy introduces Breakaway™, an innovative new fuel and convenience offer for independent fuel retailers in Canada.

Tailored specifically to the Canadian market and based on extensive market research, Breakaway combines a distinctive hockey-themed gas station design, TOP TIERTM standard fuel products and an extensive convenience offer. The offer is supported by Breakaway to Play™, a community investment program that helps to reduce the financial barriers to entry that prevent some families from getting involved in hockey.

“Our research shows Canadian fuel

been considering rebranding

retailers and consumers want more

Johnny’s Gas Bar for some time, but

choice and more competition,” says

it was only when we saw Breakaway

Mike Healey, Greenergy Fuels

that we decided to go ahead. It’s an

Canada’s Chief Executive Officer.

exciting offering that will improve our

“Breakaway is designed to drive site

customers’ experience.”

traffic and growth, and allows dealers to benefit from Greenergy’s low-cost

The Leamington site features

and reliable fuel supply.”

Breakaway’s distinctive hockey-themed forecourt with

serve its Canadian customers. Recent infrastructure investments include rail-to-road terminals that create

Breakaway’s convenience offering is

additional features including car

provided by Gateway Newstands, a

wash, propane and a 24-hour

premier North American small format

cardlock. Breakaway’s unique

convenience retailer. “We offer

hockey-theme carries over into the

Breakaway’s franchised retailers a

backcourt with a 1,700 sq. ft.

competitive edge, bringing over 30

convenience store including a range

years of marketing expertise,

of fresh options and ‘grab and go’

profit-building group buying power, a

items, as well as customer amenities

merchandising rebate program and

such as an ATM, coffee and

established top-brand suppliers,” said

restroom.

About GATEWAY

About Greenergy Canada

Headquartered in Woodbridge ON,

Steve Tennant, Chief Operating Officer of Gateway Newstands.

In business for 26 years, Greenergy Greenergy will test the Breakaway

is an established supplier and

brand in selected markets in Ontario

distributor of transportation fuels with

over the next 12 months, and the first

a proven track record as a low-cost

Breakaway site is planned for Fall

supplier delivering highly reliable

2018 in Leamington, Ontario, on the

customer service.

site of Johnny’s Gas Bar. It entered the Canadian fuel market Saide Eid, owner and operator of

in 2013 is committed to significant

Johnny’s Gas Bar, explained “We’ve

innovation and investment to better

32

MBE BUSINESS MAGAZINE OCTOBER / NOVEMBER 2018

additional supply capacity close to the end consumer.

Greenergy also markets in the UK, where it has over 25% market share, Ireland and Brazil as well as through a joint venture in Bahrain. www.greenergy.com/canada

Gateway Newstands operates over 500 franchise-based convenience stores and kiosks throughout North America, and is the exclusive newsstand retailer in North America’s 3rd largest transit system.

Gateway supports convenience store operators with retailing expertise and business tools including a fully integrated point-of-sale systems and long-standing relationships with preferred suppliers.

W W W. M B E F O RYOU. C O M

CROSSWORD PUZZLE

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ACROSS 39 Morsel 11 Pooch 44 Spud’s buds ACROSS Margaret 46 Scored 100 on 23 Feedbag tidbit 1 Tiny bits 1 Greek consonant 40 Playwright 16 Student 6 “I. Robot” writer 50 Hard to find 24 Noshed 4 Cold War Levin 20 Rotation 52 Guarantee 12 Catch in a net 25 Head of st. weapon 41 Strong points duration 54 Yearly 13 Household 26 Straying 8 2000 election 45 Not up and 23 Scoff 55 Tradition, 14 Treeless Asian 28 Smitten, maybe scrap about 24 Sicilian spouter perhaps plain unrequitedly 12 Fool 48 1944 Boyer/ 25 Makes lace 56 Forward a story 30 Jimmy 15 Bach piece 13 Law office Bergman film 26 Chinese 57 Leg parts 16 Corn recipe Kimmel’s employworker, for short 50 Burden dynasty 17 Experts er 14 “Les Misera- 51 Otherwise 27 Notion 19 Ultramodern DOWN 31 Lepidopterist’s bles” author 52 Exist 28 Neatens the 20 Reverberate prop 1 Grooving on 15 Accelerator 53 Wrong lawn 22 Kiwi’s extinct 2 Portent 33 Away from 17 Quite excited 54 God, in 29 Microbrewery cousin WSW 3 Reservation 24 ---- Khan 34 ---- Aviv 18 Tidy (up) Guadalajara product residence 27 Get better 39 Sticker 4 Nile Slitherer 19 Altar affirma- 55 Doo-wop 32 Betrothed 29 “Two and a 5 One often seen 41 Old hat tive syllable 33 Rwandan tribe Half Men” role 42 Despot with a crook?

21 Vanna’s cohort 35 Scull tool 32 Arguably, best 6 Bullets etc.

43 Dermatology 22 Flame from a DOWN 36 Grocery areas known line from subject 7 Quake burner 1 Labels 38 Hen Shakespeare 45 Holler 8 Hostel 9 Hawai26 Impersonator 2 Pronto 39 --- profundo 35 Still 47 Adorable ian volcano 29 Whatever 3 Beatles’ “Back in42 “Zounds!”

36 Peacenik 10 Curved molding 48 Cupid’s alias amount the ----” 43 From one and 37 Performance 49 Rep.’s rival 11 Kill a bill 30 Timetable abbr. 4 Poison antidote, to t’other 38 Blushing 51 Regret 12 Sixth sense 31 “American ---” maybe 44 Branch 40 Iodine Source 18 Virgiania city 53 Sister 32 Golfer Ernie 5 West Point 45 Carte lean-in 42 Pitch 21 Comedian 33 Bivouac newbie 46 Acknowledge structure 6 Top supporter applause 34 Fresh 7 Slanders 47 Listener 35 Individual 8 Utter disorder 49 Foreman foe 36 Emanations 9 Embrace 37 Big talker 10 Past See previous issue answers on page # 19 W W W. M B E F O RYOU. C O M

MBE BUSINESS MAGAZINE OCTOBER / NOVEMBER 2018

33

CONVENIENCE RETAILERS welcome federal action to lower credit card fees

Canada’s convenience store retailers

commitments to lower interchange

working with its partners to continue

are welcoming the August 9

fees.”

meeting with Finance Minister

announcement by federal Finance

Morneau and his staff to provide

Minister Bill Morneau to help lower

The announcement builds upon the

ongoing feedback on the announce-

the cost of accepting credit card

2014 voluntary agreements with

ment.

payments.

these companies, with the added focus on closing the gap between

Satinder Chera, President

“The announcement is good news for

rates afforded to larger businesses at

Canadian Convenience Stores

small retailers, who bear a heavy

the expense of smaller ones.

Association (CCSA)

financial burden for accepting credit

Implementing third-party verification

schera@theccsa.ca

card payments,” said Satinder Chera,

of interchange fees actually being

Phone: (416) 669-7632

President of the Canadian Conveni-

reduced was another important

ence Stores Association (CCSA),

measure in the announcement.

who was joined at the announcement

by Michel Gadbois, President of the

“While we had hoped for deeper cuts,

Quebec Convenience Stores

sooner, we see today’s announce-

Association. “Along with our partners

ment as another step in holding the

in the Small Business Matters

multi-national credit card companies

Coalition, we particularly welcome

more accountable for their impact on

the federal government’s trust-but-ver-

small businesses,” said Chera.

Canadian Convenience Stores Association

ify measure to hold the credit card companies accountable for their

34

MBE BUSINESS MAGAZINE OCTOBER / NOVEMBER 2018

The Association looks forward to

W W W. M B E F O RYOU. C O M

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MBE BUSINESS MAGAZINE OCTOBER / NOVEMBER 2018

35

The Personalization Trend

is Changing the Online Retail Game

services first adopted personalization

SMALL RETAILERS REMAIN COMPETITIVE

APPLYING PERSONALIZATION TOOLS

as a strategy, they tapped into their

Prior to the rise of big data and

Throughout Your Business

big data reserves. Netflix leveraged

machine learning, smaller businesses

Aside from integrating with major

the data history of its users to

maintained personalization the

shopping carts like Shopify, Etsy,

implement artificial intelligence

old-fashioned way, through emails

Magenta and Joomla, eShipper's

technologies that offered up personal-

and instant message exchanges with

personalized options are available on

ized viewing suggestions. Major

valued customers. But pre-cloud,

the business-end. SmarteLogistix is a

insurers personalized customer

pre-big data existence was slower,

single platform solution that connects

quotes. Publications prompted

less scalable and less meaningful to

your customers' shopping carts with

readers to consider other articles

younger shoppers. Newer cost-effec-

multiple-carrier shipping options and

based on personal preferences.

tive tools with built-in insights and

provides your customers with

Retailers used data to personalize

data-visualization assist small

accurate quotes. Once the order is

customer loyalty perks like reduced

retailers, enabling them to leverage

placed, SmarteLogistix updates your

prices on favorite items. They offered

personalization much like their bigger

inventory, generates the appropriate

location-based shipping options that

competitors.

shipping labels, stores invoices and

When big online retailers and

prioritized local and regional shipping

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companies, like Canada, saving

Websites are capable of integrating

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enables small online retailers to

If you are a small business seeking

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provide customers with effortless

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personalized services without negatively impacting their budgets.

36

MBE BUSINESS MAGAZINE OCTOBER / NOVEMBER 2018

W W W. M B E F O RYOU. C O M

Molson Coors Canada To

Develop Cannabis-Infused Drinks (They won't have alcohol in them)

THE CANADIAN PRESS AP/Steven Senne

Molson Coors Canada, the business

57.5 per cent interest and HEXO

offering Canadian consumers new

arm of Molson Coors Brewing Co.,

holding the balance.

experiences with quality, reliable and

says it has entered into a joint

consistent non-alcoholic, cannabis-in-

venture to develop non-alcoholic,

The joint venture is subject to various

fused beverages," said Molson Coors

cannabis-infused beverages.

approvals conditions and is sched-

Canada president and CEO Frederic

uled to close before Sept. 30.

Landtmeters.

become legal in Canada on Oct.17,

HEXO, based in Gatineau, Que.,

"Molson Coors Canada has a unique

but edible products infused with pot

currently has more than 300,000

opportunity to participate in this

will remain illegal until specific

square feet of production capacity

exciting and rapidly expanding

government regulations are rolled out

with an expansion more than three

consumer segment," he said.

in 2019 at the earliest.

times that size to be completed by

Recreational marijuana is set to

the end of the year.

The brewer says the venture with The

"We are excited about this partnership with Molson Coors Canada ... as

Hydropothecary Corporation (HEXO)

"While we remain a beer business at

we embark on the journey of building

will be a standalone start-up with its

our core, we are excited to create a

a brand new market," added HEXO

own board and management team,

separate new venture with a trusted

CEO and co-founder Sebastien

with Molson Coors Canada having a

partner that will be a market leader in

St-Louis.

W W W. M B E F O RYOU. C O M

MBE BUSINESS MAGAZINE OCTOBER / NOVEMBER 2018

37

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ONTARIO TO ALLOW PRIVATE RETAILERS TO SELL CANNABIS, province will handle online sales Ryan Patrick Jones ¡ CBC News ONTARIO'S MINISTER OF FINANCE VIC FIDELI FOLLOWING AN ANNOUNCEMENT ON ONTARIO'S CANNABIS RETAIL MODEL, IN TORONTO . (CHRISTOPHER KATSAROV/CANADIAN PRESS) Ontario's Progressive Conservative

Liberal government's plan for a

government will develop a private

provincial monopoly on cannabis

retail system for recreational pot

sales that would have seen the

sales by April 2019.

government operate 150 brick-and-mortar stores by 2020.

Minister of Finance Vic Fedeli and

Under the new plan, the Ontario

Attorney General Caroline Mulroney

Cannabis Store will not operate any

laid out the government's plan for a

storefronts, but will provide an online

hybrid system in an announcement

channel that will include an age-verifi-

at Queen's Park, stressing their

cation system to ensure safe home

priorities would be ensuring public

delivery of cannabis products.

safety and eliminating the black market.

The OCS will also act as a wholesale supplier for private retailers. Fedeli

"The government of Ontario will not

said the government will propose

be in the business of running

creating an official Ontario Cannabis

physical cannabis stores," said

Retail Seal which will help consum-

Fedeli. "Instead we will work with

ers identify stores where federally

private-sector businesses to build a

qualified cannabis products can be

safe, reliable retail system that will

found.

divert sales away from the illegal market."

"Consumers can look to this seal to confirm they are buying from a legal

Starting Oct. 17, the province will

channel," said Fedeli. "This is an

introduce a system for online sales

assurance that the illegal market

through the Ontario Cannabis Store

simply cannot match."

(OCS) to meet the federal govern-

The government will then launch a

CHANGES REQUIRE NEW LEGISLATION

consultation process with the aim of

Setting up a private retail system will

introducing a private retail model by

require changes in legislation to the

Apr. 1.

Ontario Cannabis Act of 2017.

The proposal scraps the previous W W W. M B E F O RYOU. C O M

legal age for the purchase of cannabis at 19, ban the use of recreational cannabis in all public places and workplaces and prohibit those under the age of 19 from possessing, consuming or cultivating the drug.

The province says it plans to address

ment's requirements that provinces be ready for retail sales by that date.

The key elements of the act will set the

illegal selling — that includes storefronts that currently operate in cities across the province. Fedeli stressed these dispensaries remain illegal.

"For those engaged in the underground [cannabis market] today, our message is simple: Stop," said Fedeli.

MBE BUSINESS MAGAZINE OCTOBER / NOVEMBER 2018

39

Horoscope for OCT- NOV 2018 LIBRA - SCORPIO LIBRA General: The very core of who you are and where you came from is going to be your chief concern at the beginning of the year. It's entirely possible that there is a family emergency or problem you have to solve. It's more likely, however, that

people like you to get what you need

reputation if you live in the same

so that 2019 is a year of positive

place with the same people, but you

change.

can turn over a new leaf, and this is exactly what you want to do, and

Love: The permanence of your love

what you will try to do during the

relationships and how stable they are

summer.

is going to be a major issue in the first four months of the year. Your

As summer progresses into fall and

relationships will be tested, and you'll

then into winter, you start to worry

have to figure out how to change and

less about maintaining your partner-

get over your fears or deal with the

ships and keeping them out of chaos

same old crap when it comes around

and into putting your joint efforts

again in the mid-spring. If you're

together to make a new future. You

single, chances are that you'll remain

from your youth.

are hopeful for the future, but entirely

that way through April, and anyone

uncertain about what you can

who does seem like a good

As the year progresses into late

contribute to transform yourself into

candidate for a lover is going to have

the person who your partner needs

a lot of hidden baggage, sending you

you to be, and frankly, the person you

running for cover.

need to be for yourself. However, you

For the next four months of the year,

are clever, and you can use your

you're going to be more concerned

ability to speak, write, and make

with how your relationships fit into

this problem is internal. You want to stop being like whomever you were when you were younger. You want to silence the inner critics - especially if your inner critic sounds a lot like one of your parents or an authority figure

spring and summer, you feel less overcome with self-doubt and more interested in trying to create a future completely separate from your past in fundamental ways. Of course, you

40

can't leave behind a long career or a

MBE BUSINESS MAGAZINE OCTOBER / NOVEMBER 2018

W W W. M B E F O RYOU. C O M

changes going on, it's best to take it easy and explore your options instead if you're delayed in any way.

As fall approaches, your ambition mellows out. You don't feel the same anxiety you had over the summer, and now you‘re ready to relax a little more. As fall rolls into winter, the sense that you're not getting everything done starts to go away.

Eventually, it all gets done. In late winter, you may discover a kindred spirit in someone who understands your struggle and your desire to bust out and do your own thing. You may make quite an interesting pair. Look out, 2019!

Love: If you're single, someone you see everyday may take your fancy.

Granted, it may just be a very long flirtation or an online romance where you mostly talk, but this really satisfies a part of you that feels unnoticed and unappreciated. If you're not single, you and your partner will try to communicate more, possibly because something happens to make you two realize that you need establish ground rules, stop being passive aggressive, and stop blaming each other for things out of your control. your plans for your life, your ambition,

news: 2018 will begin with you feeling

hopes, and dreams. By the end of the

that way. It's entirely possible that

By mid-spring, your closest relation-

summer, your relationships, particular-

you're right. It's also entirely possible

ships may change suddenly and

ly romantic ones, may make or break

that you blow things up to be bigger

dramatically. Something you thought

you. Be on the lookout for anyone who

than they actually are. The good news

was stable may suddenly end, and

needs to be saved, as you may

is that now you'll have the confidence

something that you thought was

confuse love and sympathy during late

to confront or ignore the people you

fantastic suddenly goes sour or stale.

summer and early fall. This is a time

think are harming you.

You and your partners may suddenly

where you're prone to being the one

change your minds about each other.

who is either always giving or always

By mid-spring, you become more

If you meet someone new, they come

taking.

motivated to create a sense of

into your life rather suddenly, but they

security for yourself and your family.

may not be marriage material or even

SCORPIO

This may be a time where you actively

long-term material. This is just as well,

General: If you have felt disconnected

try to create a new home, new sense

as they may shock you with their

from the people around you, or if you

of home, or literally move away. You

beliefs, behaviors, or attitudes once

feel as if everyone is moving faster

may not be able to work as fast as

you get to know them.

than you are or that they're talking

you'd like or accomplish as much as

smack about you, I have some bad

you'd like, but with so many other

W W W. M B E F O RYOU. C O M

MBE BUSINESS MAGAZINE OCTOBER / NOVEMBER 2018

41

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MBE BUSINESS MAGAZINE OCTOBER / NOVEMBER 2018

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4 Ways to Create a Healthier Workplace for Your Employees Prevention is better than a cure. One unhealthy employee

SAMMI CARAMELA

in eyestrain and a 63 percent drop in headaches.

jeopardizes your entire team's mental and physical well-being.

By creating a culture that values health and wellness, you're

"We humans have a biological clock that is synchronized with

showing employees that you care about them while potentially

daylight," said Tom Paladino, founder and CEO of Paladino

saving your company from high turnover and absenteeism

and Company. "It's called a circadian rhythm. It helps us stay

rates.

in sync with the environment as the seasons change and regulates many of our normal health functions."

Healthy employees are happier, more productive and likely to stay on the job longer. Here are four ways to encourage your

When workers are trapped indoors without natural lighting,

team to take control of their health.

their bodies are thrown off, causing fatigue and mental strain.

Incorporate biophilic design

Additionally, fluorescent lighting, often used to replace natural light, has its own negative effects.

Biophilic design focuses on bringing the outdoors inside.

Access to nature, like fresh air, greenery and sunlight, helps

Greg Bullock, marketing manager of TheraSpecs noted that

the body physically and mentally.

fluorescent lighting often triggers migraines, post-concussion syndrome, and attacks or episodes for light-sensitive individu-

"Urbanization has caused most of us to lose our connection

als. To avoid these issues, he said, opt for natural lighting or

to green spaces. This is especially true in the workplace," said

warm lamp, set up monitors to reduce glare, and encourage

Sara Abate Rezvanifar, branding and communications

employees to step out of the office for breaks.

director at Ambience Design Group. "Bringing elements into the workplace that allow a nature connection can help us to

"Circadian can be programmed to provide high energizing

mentally recover from day-to-day stresses and improve our

blue and white light earlier in the morning, as the body

well-being."

naturally awakens and we get up and go," added Paladino.

"The lighting can then gradually shift to lower levels through-

Natural lighting is especially important. In a study by Cornell

out the day. These subtle changes are usually invisible to our

University's Professor Alan Hedge, workers in office environ-

conscious selves, but they are relished by our subconscious

ments with optimized natural light reported a 51 percent drop

circadian systems."

Encourage movement breaks Desk work involves long stretches of time when employees are not moving. Buying standing desks for your employees isn't the answer; the negative effects of desk work – like musculoskeletal disorders and increased risk of certain diseases – happen whether workers are sitting or standing. Instead, sedentary time should be broken up with periods of physical activity.

"One way to improve office health is to use design that encourages movement throughout the day," said Rachel Lehn, business operations manager at Perfect Search Media. The company offers a private area for exercising and stretching, fit with foam rollers, yoga mats, kettlebells and bands.

44

MBE BUSINESS MAGAZINE OCTOBER / NOVEMBER 2018

W W W. M B E F O RYOU. C O M

"Employees love using the foam roller to roll out their backs or

rather than cookies and chips, employees make healthier

legs and loosen up after a long day of sitting," she added.

choices.

"They do yoga during lunch breaks or even a quick HIIT session with the kettlebells. This designated movement area

Do your part as the employer

gives employees an opportunity to split up seven hours of

If your business involves manual labor, be sure your employ-

sitting at a desk with more active breaks."

ees follow both federal and local safety guidelines as well as recommendations for working in extreme temperatures.

These breaks, studies have found, mitigate the damage of

Always prioritize safety over cutting costs; in the long run,

too much sedentary time at work. By encouraging employees

injuries can take your employees out of the workforce,

to leave their desks, stand up and move around, you protect

increase your healthcare expenditure, and possibly even cost

them from injury and increase their focus, which directly

you money in litigation and settlement fees.

boosts your bottom line.

Don't forget to make sick leave available and create a

Offer healthier food options

workplace culture that encourages employees to use it when

If there are free pastries in the conference room, staff will

they need it. By normalizing sick leave, you create a support-

likely jump at the opportunity for some sweets during a

ive environment for workers, leading to better retention and

stressful day. While the occasional treat is necessary,

higher productivity for your office as a whole.

constant access to junk food could trigger bad eating habits.

You can also help your employees maintain good mental "Instead of bringing in donuts for the meetings, consider

health. Provide mental healthcare as part of insurance

treating employees to granola bars and bottled water," said

options, and promote mental health awareness and self-care

Nedelina Payaneva, marketing specialist at Asian Absolute.

in the office culture. Be sure to treat your employees with

"Partnering with a company that provides fruit delivery

mental health disorders the same as you would an employee

services can ensure you have healthy snacks. If you can, help

with a physical illness, allowing them to take time off or

employees avoid junk foods in the vending machines by

temporarily reduce their workload if necessary.

stocking the machines with tasty and healthy options – low in sodium and fat."

By creating a workplace culture that prioritizes employee health, businesses can increase their competitiveness, retain

Mindless eating is a common yet concerning issue in the

workers and improve their bottom lines. In other words, it's a

workplace. If you stock your office's pantry with fruits and nuts

win for everyone.

W W W. M B E F O RYOU. C O M

MBE BUSINESS MAGAZINE OCTOBER / NOVEMBER 2018

45

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How to Become a CIO or CTO

ED TITTEL AND EARL FOLLIS Many IT professionals listen to speeches delivered by CIOs

Leadership and team-building

and CTOs and think, "I'd make a great CIO or CTO" or "I am

There are managers and there are leaders. Managers tell

clearly more knowledgeable and capable than that person."

people what to do and how to do it, while leaders seduce,

This is a fun daydream, but it raises an interesting question:

cajole and, well, lead an IT organization to achieve the goals

What does it take to be an effective CIO or CTO?

defined by executive management. It's likely that you've worked with IT managers and IT leaders, and there are

Do you have the right C-level stuff? If not, do you know how to

advantages to each type of management style and capability.

hone your skills and develop your expertise so that you can, one day, be a chief information officer (CIO) or chief technolo-

Managers are usually tightly connected to the traditional IT

gy officer (CTO)? Here are some thoughts and ideas to

hierarchy and organizational processes. Many managers

ponder as you prepare to walk that walk and talk that talk.

work their way up through the ranks and have earned a

What is a CIO and CTO?

managerial role through hard work, relevant experience and technical competency.

CIOs are typically responsible for leading an organization's IT staff and related assets, projects and personnel. That position

IT leaders may also come up through the ranks, or they may

may report directly to the CEO or another C-level executive,

earn a leadership role through force of personality, communi-

such as the chief operating officer or the chief financial officer.

cation skills, political acumen or industry knowledge. It's not unusual for CIOs and CTOs to be recruited from outside a

CTOs typically own the overarching technology strategy for a

company, usually because they possess outstanding manage-

company and how that strategy meshes with and supports

ment and leadership skills.

that company's business requirements and objectives. A CTO can also report directly to the CEO or another C-level

The holy grail for IT executives is someone who is both a

executive.

good manager and a motivating leader. That is, someone who can comprehend an IT project plan and budget and also

Of course, there are many different types of CIOs and CTOs.

effectively communicate big-picture goals and priorities for an

Though there is no single definition of what constitutes a

IT organization.

great CIO or CTO, we can identify some common traits and skills that are shared by the best of these breeds.

Technical and industry knowledge The typical job requirements for a CIO or a CTO include technical, financial and organizational experience.

Efforts over the last 10 years to more closely link IT to the business side of a company adds in-depth business skills and knowledge to the CIO and CTO job requirements mix.

Gone are the days when a CIO or CTO could ignore the business and deliver IT on IT's schedule. CIOs and CTOs who don't fully support the organization's business goals could find themselves looking for work.

Following high-tech industry websites and influential CIO/CTO blogs is a great first step to attaining this exalted role. Learn the lingo and see for yourself what working CIOs and CTOs are talking about and why they care about such things.

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MBE BUSINESS MAGAZINE OCTOBER / NOVEMBER 2018

W W W. M B E F O RYOU. C O M

For the technical foundation a CIO or CTO needs to be

24/7/365 should any IT-related issues come up. That level of

successful, avail yourself of advanced technical training and

personal sacrifice means it's not the right job for everyone.

IT project management training at every opportunity. If your company offers tuition reimbursement or a technical training

It usually takes years of hard work to earn your way into the

budget, you should advance your technical skills and knowl-

executive ranks. The timeline is usually shorter at smaller

edge through those vehicles.

companies, so working as a CIO or CTO in a smaller IT shop

CIO/CTO education and certification Many companies prefer a CIO or CTO with an advanced

can be a great way to get your foot in the C-level door and gain valuable experience that can be a steppingstone to a similar role at progressively larger companies.

degree, usually an MBA, considering the complexity of IT budgets, governance and processes. That said, we've met

For an interesting look at how CTOs of several large corpora-

outstanding CIOs and CTOs with no more formal education

tions reached their lofty positions, visit The Path to Tech CTO

than a high school diploma or a bachelor's degree. We've

page. This interactive content, by Agil8, lets you hover over

also met CIOs and CTOs with doctorates in unrelated fields.

the steps for each CTO to see career moves, length of time in

We'd rather work for a non-degreed CIO or CTO who makes

each job and how long it took them to reach CTO.

well-informed decisions and can lead the IT staff into battle than for a CIO with a Ph.D. who lacks knowledge about the

Is this for you?

culture and internal workings of IT and the business it

Pursuing a CIO or CTO position is not a decision to be made

supports.

lightly. It will take years of hard work and maybe even a little good luck for you to achieve your C-level goal. If your

Beyond college or university degrees a CIO or CTO may or

company has an IT mentoring program, that is one excellent

may not have, several key areas in IT suggest themselves as

way to gain relevant knowledge and skills while also identify-

worthy of pursuit for aspiring C-level executives who wish to

ing yourself to executive management as someone who has

remain active and functional in that field. Governance and

the will and stamina to climb the IT leadership ladder. Make

IT/enterprise architecture are incredibly relevant.

the decision with your eyes wide open to the challenges

Ambition and drive Being a CIO or CTO is a difficult job that requires dedication

ahead, then never take no for an answer. Remain focused and committed to your goal and good things will surely come your way.

and persistence. Most CIOs we know are basically on call

W W W. M B E F O RYOU. C O M

MBE BUSINESS MAGAZINE OCTOBER / NOVEMBER 2018

49

50

MBE BUSINESS MAGAZINE OCTOBER / NOVEMBER 2018

W W W. M B E F O RYOU. C O M

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W W W. M B E F O RYOU. C O M

MBE BUSINESS MAGAZINE OCTOBER / NOVEMBER 2018

51

HOW TO INCREASE EMPLOYEE Engagement in Sustainability

CARLYANN EDWARDS

Globally, businesses of all sizes are

executives to assembly workers,

change. It's important to provide

beginning to embrace the values of

personally engaged in day-to-day

proper sustainability training to create

corporate social responsibility (CSR)

corporate sustainability efforts," Paul

a feeling of individual responsibility

and sustainability. However, most

Polman, Unilever's CEO, wrote in the

for your employees.

executives haven't figured out how to

Stanford Social Innovation Reviews.

engage employees in daily activities

Employee engagement is essential in

These education sessions should

that put those values into practice.

transforming your business's sustaina-

evaluate the company's long-term

bility goals into reality. Taking the first

purpose and align them with your

One CSR leader, the consumer

steps are simple, by properly

employees' own goals. According to

goods giant Unilever, has adopted

educating and engaging, you can

Polman, this approach is undoubtedly

the slogan, "small actions can make

build a sustainable culture in your

more aligned with the good of society

a big difference." Unilever truly puts

workplace.

and the planet and can help to erase

this into practice – the company actively encourages employees to

Inform

behave sustainably in the workplace.

From an employee's perspective,

the conflict that people feel between their work duties and personal values.

sustainability initiatives are rarely tied

52

"The key to creating a vibrant and

to paychecks or profit margins, but

By clearly spelling out the economic

sustainable company is to find ways

rather are intended to combat

case for sustainability, employees will

to get all employees, from top

societal challenges, such as climate

begin to think about sustainability as

MBE BUSINESS MAGAZINE OCTOBER / NOVEMBER 2018

W W W. M B E F O RYOU. C O M

founder of Conservation International,

Lead by example

told Entrepreneur he believes that

When it comes to sustainability,

sustainability efforts don't hurt profits,

leaders' actions speak louder than

but soon they'll drive them.

words and play a vital role in reaffirming company values to employees.

Many sustainability initiatives require special knowledge and expertise, so

Stakeholders are often skeptical about

you'll need to explain new changes

a company's motivation for getting

and why they are happening. For

involved in sustainability initiatives.

smaller businesses without the budget

Polman wrote many employees were

for formal training, a simple email or

persuaded to embrace such initiatives

quick update at a meeting will go a

only when convinced the company is

long way.

sincere about making a positive difference.

Engage After you educate your employees,

Although your small business may not

you'll need to create a sense of

have the same budget of sustainability

accountability for your new initiatives

leaders like Unilever, businesses of

to be implemented. Dave Balser,

any size can adopt these practices.

project manager at Briteskies, wrote in GreenBiz that employees who

John Arthur, author of "Manage Your

participated in the company's sustaina-

New Career," (Amazon Digital

bility program often contributed

Services LLC, 2018), believes when

additional program ideas. For

executives embrace sustainability

example, one Briteskies employee

values, they attract the right kind of

coordinates an office community-sup-

people.

ported agriculture program that he suggested.

"In my years helping grow a 50-person to a 400-person firm, I found that

It's easy to update your sustainability

a social mindset was a major employ-

goals on your company website, but

ee motivator and common bond for

changes in the office can be difficult.

them," he said.

Make sure to recognize your colleagues and reward positive

The idea of concept driven work is

change. A small present like a

increasingly correlated with profession-

reusable water bottle, coffee cup or

al fulfillment. Sustainability initiatives

canvas bag could also help kickstart

and employee engagement take time,

your efforts. Oliver Russell, a market-

but the development of a sustainable

ing agency in Boise, Idaho, even

company will benefit by having a

offers employees a bonus of $2.50

highly productive workforce that is

each time they take alternative

proud to bring positive change.

transportation to work. more than just "doing good" but also

You should also celebrate success

"doing well." A business must be

when goals are reached. This keeps

profitable, but it can do so in a way

visibility high and promotes a sense of

that follows the triple bottom line

healthy competition. One way to do

approach, which considers profit in

this is establishing a weekly green

addition to people and the planet.

spotlight, or offering a group prize when certain sustainability goals are

Peter Seligman, former CEO and

W W W. M B E F O RYOU. C O M

met.

MBE BUSINESS MAGAZINE OCTOBER / NOVEMBER 2018

53

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CA$H WAVE

OPEN COMMUNICATION MAKES Female Leaders More Effective CHAD BROOKS CHAD BROOKS Chad Brooks is a Chicago-based writer who has nearly 15 years' experience in the media business.

A graduate of Indiana University, he spent nearly a decade as a staff reporter for the Daily Herald in suburban Chicago, covering a wide array of topics including, local and state government, crime, the legal system and education. Following his years at the newspaper Chad worked in public relations, helping promote small businesses throughout the U.S.

For women who feel outnumbered by

see each other's strengths and

the men on their teams, transparent

weaknesses. This in turn helps

communication can help break down

eliminate the preconceived gender

gendered perceptions and open the

stereotypes that are typically found in

door to leadership opportunities

the workplace, said Jim Lemoine, the

within the group, finds new research.

study's lead author and an assistant professor at the University of Buffalo.

A study recently published in The Leadership Quarterly journal

"When we first meet people, we tend

discovered that in work groups that

to categorize them subconsciously

are composed primarily of men,

based on snap judgments and

women tend to take on more

observations," Lemoine said in a

leadership roles as the group

statement. "But the more we get to

becomes more social.

know people, the less those preconceived ideas matter."

For the study, researchers assigned nearly 1,000 participants of varying

Lemoine also noted that when work

ages to small groups and had them

teams value communication and

rate which group members emerged

increase their interactions with one

as leaders after performing a series

another, women may have a leader-

of tasks. They replicated the experi-

ship advantage, since groups choose

ment with both short- and long-term

leaders based on who best exempli-

groups to verify the results.

fies their shared values.

The study's authors found that the

The study's results have important

more extroverted the teams were in

implications for businesses looking to

terms of talking to each other and

develop more women leaders.

asking for help with their projects, the

Lemoine said instead of having

more likely it was for women to be

teams that are isolated and driven by

seen as leaders.

goals, businesses wanting more

The study's authors believe the open

women to take charge need to

collaboration allows group members

develop a culture where they are

to get to know each other better and

more opportunities for employees to

W W W. M B E F O RYOU. C O M

get to know each other and collaborate on projects.

"When teams foster a culture of open communication and teamwork, it allows new leaders to step forward and diverse perspectives to be heard," he said.

MBE BUSINESS MAGAZINE OCTOBER / NOVEMBER 2018

55

How to Protect Your Customers from Data Breach Identity Theft

MATT D'ANGELO As a small business owner, it may be easy to brush off

Once you've analyzed your internal risk, Rey suggests

cybercrime as an enterprise problem – why would criminals

looking at what data you work with and consider its worth to a

target small operations? Yet, small businesses are often the

cybercriminal. If you run a successful e-commerce business

easiest targets for cybercriminals because they're the most

where you process and store sensitive credit card informa-

vulnerable. Forty-three percent of all cyberattacks in 2015

tion, your security measures will be different from a small

were targeted at small businesses, according to cybersecurity

business that only has a Google listing online.

technology company Symantec.

How to protect your customer's data

"I think a lot of SMBs are aware that security is important, but

Once you've assessed the risk and considered possible

it easily falls to the bottom of a long to-do list," said Tony

attack scenarios, you can work to mitigate areas with different

Perez, GoDaddy's general manager and vice president of

technology and general best practices.

security products. "The biggest question is always, 'Where do I even start?' That's the big thing GoDaddy is working to

Restrict access. Michael Baker is a founder and managing

address by making it simple and easy for SMBs to implement

partner of Mosaic451, a cybersecurity service provider that is

proven security protocol."

among the top providers in the U.S., according to Inc.com.

Baker said that the first step in ensuring customer data is

Assess your own risk

secure is to limit employee access.

Security problems can arise in two main ways: as outside hackers or internal threats. While it's important to consider

Keep technology updated. Baker also said companies should

outside data breaches, you should look at your internal IT

make sure their security software, operating systems and

infrastructure policies as well.

other technology (like POS systems) are up-to-date. Updates ensure that your technology is patched with the latest

"Within your own network, do you know where your sensitive

software to combat security threats.

information is? Do you know who has access to it? Have you thought about how access should be restricted?" Rey asked.

"Because cybersecurity is a constant 'spy vs. spy' battle

Small business owners may not "put too much attention on

where experts find ways to patch vulnerabilities while hackers

the back office, so you're not thinking about all of the things

find new ways to access systems, POS software systems

that could go wrong."

release frequent updates to address the most recent security threats," Baker said. "For maximum protection, these updates

1

Estimate Loss

Estimate your loss if a breach were to occur ($Loss)

2

Estimate Risk

Estimate the probability of loss from said breach (%Risk)

3

Identify Investments

What investments could you make ($Invest)

4

Estimate Savings

For each investment, estimate reduction in probability of breach (%save)

5

Calculate

Potential savings = ($Loss) X (%Risk) X (%Save)

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MBE BUSINESS MAGAZINE OCTOBER / NOVEMBER 2018

W W W. M B E F O RYOU. C O M

must be downloaded and installed as soon as they are

ly if they can pay the human who actually did the work for 30

released, not on a monthly or quarterly schedule."

minutes?"

Handling cybersecurity is like handling anything for your small

Invest in new technology. Depending on the type of business

business – value sound business logic and decision-making

you run, you may need different types of technology to

over blind trust. Don't lunge at the latest and greatest

mitigate risk. These types of solutions include firewalls,

technology, but don't leave yourself and your customer's

antivirus software, encrypted backups, DDoS appliances and

information vulnerable and exposed.

more. Rey said it's important for small business owners to be aware that the degree of security needed is specific to each

Bottom line

business and that installing a firewall or antivirus software

Security and ensuring the protection of your customer's data

may not always be enough.

is a gray area, one where it can be difficult to navigate between overspending on advanced technology and leaving

Partnering with a cybersecurity professional

your business vulnerable through underspending. Depending

Protecting your business can be a daunting task, so depend-

on how you proceed, it's important to at least consider your

ing on the type of information you handle, you may want to

own internal practices and judge the value of data your

consider working with a third-party cybersecurity agency.

company holds.

These companies can help you properly assess vulnerabilities and install the right technology for your business. Baker

Baker said taking things step by step and being aware of the

said to be careful, though, as the complicated nature of the

potential risks is a good starting place for small businesses.

topic can be used against naïve small business owners.

"With basic due diligence – outsourcing email, using a major "Keep in mind that third-party professional services (paid for

cloud-storage provider, using multifactor authentication on

by the hour) encourage waste and inefficiency," Baker said. "If

things that you care about – you might not be able to outrun

you're going to pay an unethical tech firm $250 per hour for

the bear, but you'll outrun all your peers, which is enough," he

something, why wouldn't an unethical tech firm pretend that

said.

it's working really hard and charge you for 10 hours, especial-

W W W. M B E F O RYOU. C O M

MBE BUSINESS MAGAZINE OCTOBER / NOVEMBER 2018

57

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WHY PEOPLE SHOULD STOP SMOKING

MUHAMMAD NAVEED Call Center Agent - MB Enterprises

problems and low birth weight.

Babies with low weight at birth have an increased risk of dying young.

They may also suffer health problems Older smokers are also at risk. A study in the publication Neurology showed that older adults who smoke face an increased risk of Alzheimer’s disease. Decreased mental health also was more likely in persons who smoked than in non-smokers.

Few people would argue that tobacco

Alzheimer’s patients lose ability to

people from smoking here are

smoke is good for you. For more than

think, plan and organize. After a time

products designed to help people

forty years, scientists have said

they become unable to care for

reduce their dependence on

cigarette smoking can cause serious

themselves

cigarettes. Several kinds of nicotine

health problems. But today, smokers

replacement products provide small

and people who do not smoke often

Researchers in the Netherlands

amounts of the chemical. These can

argue about smoking in the

studied almost seven thousand adults

help people stop smoking.

workplace.

aged fifty-five years or older. Seven hundred six of the adults developed

Experts also say a drug used to treat

Many non-smokers would like to have

dementia during the seven years of

depression has helped smokers. The

smoking banned where they work.

the study. Dementia is a condition

drug is called Zyban. It does not

They fear harmful effects from other

that causes a decrease in a person's

contain nicotine. It works by increas-

people's tobacco smoke, also known

thinking ability.

ing levels of dopamine in the brain.

as secondhand smoke. Business

Dopamine is a chemical that produc-

owners often say a ban on smoking

Persons who smoked during the

would harm their profits. And,

study were fifty percent more likely to

smokers say such a ban would

develop dementia than those who

Here is some advice from people

interfere with their rights

never smoked or had stopped

who have stopped smoking: Stay

The W.H.O. estimates that smoking is

Most people know that smoking

walk instead of smoking a cigarette.

responsible for the deaths of five

causes lung cancer. But it also has

Avoid people who are smoking. If

million people each year. At current

been proven to be a major cause of

possible, stay away from situations

rates, it says tobacco use could kill

cancers of the mouth, esophagus,

that trouble you it is not easy to stop

ten million people a year by two

kidney, bladder and pancreas.

smoking. And people never can

thousand twenty. Smoking by

Cigarettes are not the only danger.

completely control their own health.

pregnant women can threaten the

Smokeless tobacco and cigars also

But as one doctor advises her

unborn. Expectant mothers are more

have been linked to cancer. But

patients, becoming a non-smoker is

likely to have babies with health

these facts are not enough to prevent

one way to gain control of your life.

es pleasure.

away from alcoholic drinks. Take a

W W W. M B E F O RYOU. C O M

MBE BUSINESS MAGAZINE OCTOBER / NOVEMBER 2018

59

How to Work from Home

When School is out

KATHARINE PALJUG,

For business owners who work from home, trying to get a full

Encourage self-entertaining

work day in while the kids are out of school can be difficult

One of the expectations that you set can be that children will

and unproductive. No matter how old your children are, trying

entertain themselves for part of the day. This can involve

to juggle business and family is a struggle without the

playtime, reading, screen time or school work.

structure of the school year.

How kids entertain themselves, and for how long, will vary by We talked to eight business owners to get their best tips on

age. But kids of any age can usually learn to play on their own

how to balance work and family when school is out for the

for some amount of time, which will allow you to get key tasks

summer.

done even when they are awake.

Adjust your schedule

Schedule activities

One of the benefits of running your own business is not

Not all kids can self-entertain the whole day, and not all

needing to stick to a traditional nine-to-five schedule. In the

parents can work with their kids in the house, even if they are

summer when the kids are home, embracing this flexibility

playing on their own. If that happens, consider planning daily

can be the best way to get work done.

or weekly activities that give you dedicated alone time.

"Work during non-business hours at night or early in the

"Day camps are my go-to during the summer months," said

morning," recommended Ramon Kahn, the online marketing

Rae Dolan, the co-owner of real estate investment company

director for National Air Warehouse, whose kids are 9 and 12

AMI House Buyers. Dolan and her husband both run business-

years old. "You can get a lot of work done during those times

es from home. Though their two older children are now

before your kids wake up or while they are asleep."

teenagers and can entertain themselves during the summer

Set clear expectations If your kids know what to expect, they are much more likely to

months, Dolan says summer camps are the answer for her six-year-old. "We schedule our work week around the hours of whatever camp he'll be attending that week."

let you get work done, said Nicole Johnson, the president and founder of The Baby Sleep Site. Johnson, whose boys are 10

Many school systems offer day camps during the summer, as

and 12 years old, has worked at home for the past 15 years,

do community organizations like the YMCA. Regular

including seven summers without school.

playdates at friends' houses or time with nearby family can also give you space to work.

The key, advised Dolan, is to find something that your kid will enjoy that also gives you the time you need. "[Our son] gets to have fun, hang out with other kids and be stimulated all day, and we manage to be still able to work during the day despite school being out."

Get your kids involved If your kids can't stay away from you when you are working, no matter how many activities you plan or boundaries you set, take advantage of their enthusiasm by putting them to work.

60

MBE BUSINESS MAGAZINE OCTOBER / NOVEMBER 2018

W W W. M B E F O RYOU. C O M

The key, advised Dolan, is to find something that your kid will

of the stage either your kids or your business are in, you will

enjoy that also gives you the time you need. "[Our son] gets

need help. When that happens, don't be afraid to bring in an

to have fun, hang out with other kids and be stimulated all

extra set of hands.

day, and we manage to be still able to work during the day despite school being out."

Get your kids involved

Whether you have a non-working partner, an occasional babysitter, a friend who can watch your kids or a regular nanny depends on your own situation. Even if you only have

If your kids can't stay away from you when you are working,

childcare for a few hours a day, it can make a big difference

no matter how many activities you plan or boundaries you

for your business. "We viewed [a nanny] as an investment in

set, take advantage of their enthusiasm by putting them to

our companies," said Dolan. "That investment paid healthy

work.

dividends."

"Kids love to be useful, and they love to feel that they are

Leave time for play

contributing," said writer Aline Adams. Her kids are 11 and

Finally, when your kids are out of school, there is more time

14, but both of them have been helping her since they were

to spend together. When you're planning your work time,

about 8 years old.

schedule in some family time too.

Younger children might be limited to tasks like filing or

"Reserve some fun time with your kids during the summer,"

labeling, but older children may have tech skills that you lack

advised Chuck Casto, the owner of Casto Marketing Commu-

yourself. "My daughter has shot and edited videos for me,

nications. "Time with them every day ... helps you to make the

while my younger son built my website and most of the tools

most of your time working and your time being a great dad or

on it. These are things that I actually need done," said Adams.

mom."

"They are better at them than I am, and it gives them a feeling of satisfaction."

Bring in help

Either way, setting aside family time can motivate you to work more efficiently as well as giving your children something to look forward to while you are busy, "You will be working for

Sometimes you will be able to juggle both watching your

most of your life, but your kids will only be home for their

children and running your business. But other times, because

childhood," said Casto.

W W W. M B E F O RYOU. C O M

MBE BUSINESS MAGAZINE OCTOBER / NOVEMBER 2018

61

B M / RMA A M R .

W WW

A D A N BP CA

M O C .

A D CANA

We at MBBP/RMA hope our members had a great Labour Day long weekend. As summer comes to a close and fall begins, schools and universities have started and we at MBBP/RMA are working around the clock to provide our members the best back to school offers and discounts.

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S T I F E N BE

MBE BUSINESS MAGAZINE OCTOBER / NOVEMBER 2018

As fall approaches, make sure you and your families are secure and properly insured. If you haven’t yet, please make sure you make the most of our exclusive MBBP/RMA discount with McLennan Group for all of your home and auto insurance needs. This along with many other benefits can always be found below on our website and we look forward to assisting you.

Address: 104-100 Dynamic Drive, Toronto, ON, M1V 5C4 Tel: (416) 293-2100 Toll Free: (1-855) 669-6227 Fax: (1- 866) 204 6888 E-mail: info@rmacanada.com Website: www.rmacanada.com

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Payment Processing Services Credit & Debit Cards

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ATM Deals and Offers

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Esso (Imperial Oil) and Exchange Solutions

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Shell Canada

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Energy Savings

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Grocery Coupon Redemption Service

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Pay stubs, cheques and office supplies.

50% discount on first purchase Choice Hotels

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Deluxe Nebs

08.

Drug Plan

09.

Home, Auto & Commercial Insurance 10% discount Federated Insurance

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Northern Financial Group

11.

Home, Auto, Health, Dental and Life Insurance

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J. Paul Wearing Barristers & Solicitors

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e-Shipper

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Accounting Services

15.

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MBE Business Magazine

16.

Real Estate

17.

Cineplex Discount

18.

Travel & Tours and Avis /Budget Group

19.

TruRating

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Immigration Services

21.

MBE Technologies

22.

Mortgage /Business Loans

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MBE Construction

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Credit Counselling

25.

RMA and MBBP Revenue Sharing

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Deluxe Payroll (formerly NEBS)

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BI Logistics Services Inc.

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Cubeler

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R-5 Communications

30.

MBE BUSINESS MAGAZINE OCTOBER / NOVEMBER 2018

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Raedan Freight Services

31.

Voortman Cookies

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Weston Bakeries

33.

INTERAC

34.

South Cove Foods LP.

35.

Falcon Retail

36.

BlueSun Solar

37.

Canadian Corporate Legal Services

38.

ACCEO

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LVM Tech

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Schooley Mitchell TelecomConsultants

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Telus

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Office Central

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The New Retail

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TRM MultiTech Services

45.

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TO CONTACT US FOR FURTHER INQUIRIES..

Syed Mahmood Ali Naqvi: 1-416-939-9378, Syed Hassan: 1-647-832-7265 www.mansoornaqviteam.com

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MBE BUSINESS MAGAZINE OCTOBER / NOVEMBER 2018

Helping you is what we do.

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TO CONTACT US FOR FURTHER INQUIRIES..

Syed Mahmood Ali Naqvi: 1-416-939-9378, Syed Hassan: 1-647-832-7265 www.mansoornaqviteam.com

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ONE28

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MANSOOR NAQVI TEAM PLATINUM BENEFITS FOR ALL PROJECTS 1. Free Assignment clause 2. Price discounts 3. Lease during Occupancy 4. Extended Deposits 5. Capped development charges W W W. M B E F O RYOU. C O M

MAHMOOD NAQVI SALES REPRESENTATIVE

SYED HASSAN BROKER

MBE BUSINESS MAGAZINE OCTOBER / NOVEMBER 2018

67

Want a Professional Reference? How to Ask and What to Expect

DANIELLE CORCIONE

"References available upon request" may seem traditional

least, an older reference may not be as relevant to the current

and outdated to include in your cover letter or resume, but

stage of your career.

professional references are still an important part of the hiring process. Prospective employers may like what they see about

"We all grow and mature professionally over time, so referenc-

an applicant on paper, but they need to be sure of their

ing someone who worked with you 15 years ago may only be

potential, so they'll often call up references to ask about the

familiar with your previous work style," Meador said. "The

candidate's job performance and work ethic.

more recent [your source is], the more relevant it will be for the person making the phone call."

Before submitting your next job application, it's crucial to line up your professional references in advance. But whom should

Alternatively, if you are a student entering the workforce for

you ask, and how should you go about asking? Career and

the first time, you can ask a professor to speak about your

hiring experts shared their advice for getting a great profes-

academic career. Ruma Sen, professor of communications at

sional recommendation.

Ramapo College of New Jersey, asks students to think

1. Ask a direct supervisor or professional mentor.

critically about why the professor they plan to ask would want to recommend them. She also reminds students to be as

Assuming you still have a good professional relationship, the

formal as possible when asking their professors for recom-

best people to list as references are your immediate supervi-

mendations.

sors from previous jobs, said Bill Peppler, chief operations cases, but if you have a particularly understanding boss at

2. Inform the person beforehand and give plenty of notice.

your current job, you may be able to ask for a reference as

In some cases, when you leave a job or internship, your

you search for your next opportunity.

supervisor will offer to provide a reference for you. However,

officer at staffing firm Kavaliro. It may not be possible in all

it's still polite to give that person a heads-up that a potential "[Direct supervisors] know you the best and can vouch for you

employer may contact them about your application. You can

when it comes to your strengths and work ethic," said

do this simply by emailing the person, letting them know

Peppler. "Other people to strongly consider are professional

you're looking for a job and asking for permission to provide

mentors. If there [are people] in your company who have

their contact information to your potential employers, Meador

trained you or taken you under their wing, consider them

said.

since they have a solid understanding of your personality and receptiveness to training and feedback."

"Provide the person who is giving the reference or letter of recommendation plenty of notice so [they have] time to work it

Shawnice Meador, executive director of career and leadership

into their schedule," said Pat Dean, director of recruiting at

for the University of North Carolina's MBA@UNC program,

factory maintenance and IT company Advanced Technology

said it's important to consider the length of time and how long

Services.

ago you worked with the person. Choosing someone you worked with years ago, rather than a more recent employer,

Meador also advised expressing appreciation for the person

might indicate that you're trying to hide something. At the very

you're asking when you request a reference. However, one

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MBE BUSINESS MAGAZINE OCTOBER / NOVEMBER 2018

W W W. M B E F O RYOU. C O M

thing you never want to do is list someone's contact informa-

which strengths on their resume they'd like her to emphasize

tion without telling them. There are multiple problems with

as well as what they've accomplished while working with her.

doing this, especially if you include it on a publicly uploaded resume. Not only are you opening that person up to unsolicit-

4. Inform the person how you'll use their reference.

ed communications, but they will be blindsided when an

There are a few ways a person can give you a reference.

employer calls for a reference, and they will likely be unpre-

You'll need to be clear about what you need so your source

pared to talk about you and your qualifications. It's best to

knows what to expect. Will the employer call them directly?

avoid that worst-case scenario by giving your reference a

Does the company require a letter? Know the specifics so

heads-up.

you know what to ask your reference.

Be sure to provide your reference an adequate amount of

"If someone approaches me for a recommendation, I

time for preparation. For instance, if an application requires a

definitely want to know what it's for, how it will be shared, and

letter of recommendation, Jumoke Dada, founder of the

how many times it will be used (if it will not live on an online

mentoring organization Project ALOE, advises applicants to

platform like LinkedIn)," Dada added. "If they can provide me

request the letter at least a month in advance. "I think it

with basic information about their current role and responsibili-

depends on the relationship that the applicant had/has;

ties that is also helpful. The more information they can

ultimately, the more time that they can give the individual, [the

provide upfront, the easier it will be to write the recommenda-

better],� Dada stated.

tion."

3. Give your reference the appropriate background information.

Regardless of whom you ask and what type of recommenda-

When interviewing for a job, you've probably done extensive

favor, and you should act accordingly. If they're not comforta-

research on the position so you can discuss your most

ble providing a reference, respect their decision and move on

relevant experience and show that you're a good fit. Your

to another source. If they agree to recommend you, formally

source should know what your potential job entails so they

thank them for their time and effort via email or even a card in

can give you the best, most helpful reference possible, Dean

the physical mail.

tion you ask for, remember, your references are doing you a

said.

It's also helpful to remind recommenders about your working relationship. For example, Sen typically asks students about W W W. M B E F O RYOU. C O M

MBE BUSINESS MAGAZINE OCTOBER / NOVEMBER 2018

69

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MBE BUSINESS MAGAZINE OCTOBER / NOVEMBER 2018

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MBE BUSINESS MAGAZINE OCTOBER / NOVEMBER 2018

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