MB Business Magazine

ISSUE 24 | OCTOBER 2016

Happy

THANKSGIVING Day

WHY HPE IS FOCUSING ON THE NEED.. P.04

CANADIAN REAL ESTATE PRICES FORECAST.. P.09

THE TOP 10 FACTORS THAT AFFECT LIFE INSURANCE.. P.13

TAP AND GO CREDIT CARD PURCHASES ARE SURGING.. P.14

EDITOR'S NOTE Dear Readers, This is MB Magazine’s October issue and we extend our warmest wishes, greeting you to the season of Thanksgiving!

This month, our magazine will be featuring an eclectic selection of business and business related articles and will be delivering a bit of all flavors from topics such as finance, health, insurance, business, travel and real estate.

Finance articles featured in this issue will cover topics such as Why you need to talk about money with your children & Things you need to know about withdrawing funds from your RESP account. Business articles in this issue will discuss Tips on becoming a better entrepreneur and How employee morale can benefit your business, with that being said, we haven’t left out health articles and are shedding some light on two of the most recent and headline subjects, The new calorie menu disclosures coming to Ontario and an article on The sitting disease which is being dubbed as the new smoking by experts and doctors.

Since it is October, we are also featuring a special article that talks about how families with special needs members can have a happier time on Thanksgiving.

As always, we hope the magazine is entirely to your liking and that you appreciate the efforts of our contributors and editors to bring you a refined experience of a complete business magazine.

Your feedback, comments and suggestions are valuable to us, feel free to call us 1-866-667-1377 or email us at mbe-marketing@mbeforyou.com to tell us what you think!

Thank you, Aurora Zabala, Editor In Chief.

CONTENTS

04

Why HPE is focusing on the need...

13

Facing down the problems of exponential growth

09

Canadian Real Estate Prices Forecast...

Life insurance are based on a variety of different factors

14

Burn Your College Degree & Still Create...

Why education is not enough to create success

Tap And Go Credit Card Purchases Are Surging...

Punching in a security pin is rapidly becoming

The real estate company predicts greater Vancouver

12

The Top 10 Factors That Affect Life Insurance...

16

Calorie Menu Disclosures Coming...

Ontario legislation to overhaul in-store calorie advertising

Publisher MB Enterprises Editor-in-chief Aurora Zabala Senior Editor Peter Z. Vaisey Managing Editors Steve Montgomery Mahmood Naqvi Design Cynthia Tolson A. Khan Z. Zaidi Production, Technology & Print Simon Wilson R.J Advertising S. Hassan Shoeib Kamal Administration Alamdar Hussein Erum Asghar R. Adil HOW TO REACH US Website: www.mbeforyou.com Feed-back: 1-866-667-1377 E-mail: info@www.mbeforyou.com Mail: 100 Dynamic Drive, Unit 104, Scarborough, ON, M1V 5C4.

Fax: 1-866-204-6888 MB Business Magazine is a monthly issue business magazine published by MB Enterprises Ontario, Canada.

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

Subscribe / Unsubscribe or Advertise by emailing us at mbe-marketing@mbeforyou.com

Making Sure Your Employees Succeed Courtesy: MAHMOOD NAQVI Vice President MB Enterprises

I

t is human nature for a person

As a leader it is essential to always be

will succeed and excel. If the employee is

to want to succeed in their job.

there to help your employees. When your

not able to succeed sometimes it is not

People not only want to

employees comes to you for help, make

their own fault and sometimes the blame

succeed but generally want to excel.

sure they get what they need. Follow up

can be that of the leaders. It is a leader’s

However without the correct leadership

with them and if you are promising them

responsibility to be able to honestly critique

most people who have jobs are not able to

anything, make sure you stick to your word

himself or herself whether they are doing

excel and succeed properly.

otherwise it will create resentment and a

the best they can to push their employees

toxic work environment.

towards the right path and a leader must

It is a leaders job to properly motivate and

always look to improve their own

guide his or hers employees. By setting a

Another way to motivate your employees to

proper example for their employees to

work harder is by setting targets. Once

follow, a leader not only becomes a mentor

specific targets are set, employees know

but an example for the ones that work for

not only what is expected from them but

him or her.

they also have a clear set goal so that they

management skills on a daily basis.

do not get distracted. By establishing and In the work environment I personally believe

monitoring targets, you can also give your

that employees should not be bound down

employees real-time input on their

under endless company policies. Basic

performance while motivating them to

policies and guidelines should be set for

achieve more.

the employees whilst at the same time maintaining certain independence for the

If a leader is able to properly guide and

employees to flourish under. As long as

motivate his or her employees then there is

employees are updated on basic company

a much higher chance that their employees

policies, they will be able to not only work under the guidelines set for them, but will also be able to show their own skills and expertise.

You cannot expect your employees to read your mind. They have to know what’s expected of them.

Also, you must always follow your policies.

You can’t just push them aside when they’re inconvenient, otherwise, they don’t mean anything.

1211-12B Kingston Road Pickering, Ontario L1V 6M5

Tel: 289-988-9788

15 AdBArinndg This % Get O HA N S O EX IR PEC F CL SE IF R I F US

V C IV ICE EL Y

chosenbeautysalonsupplies48@yahoo.com

Why You Need to Talk About Money With Your Children

Courtesy: Sarah Milton www.canadianfinanceblog.com

I

grew up in a household with two

nothing to do with them and everything to

learned from their parents and what they

parents who were excellent

do with me. I can learn from them now

wished they had been taught. I was

money managers. Unfortunately

partly because my own perspective has

surprised by the number of responses and

they grew up in a generation which

shifted and I’m more understanding of the

by the number of commonalities

considered it rude to talk about money

beliefs that drove their behavior and partly

(comments relating to not understanding

which meant that their financial lessons to

because I’m now willing to initiate money

debt, credit and budgeting were definitely

their kids mostly consisted of the same

conversations and they’re more willing to

in the majority).

messages: don’t waste money, don’t buy

participate.

unnecessary stuff and don’t borrow.

One story that stuck out was from one of I’m convinced if we had been able to have

my best friends whom I’ve known since we

These are actually great lessons to live by

these same conversations as I was

were eight. Despite the fact that we’ve

but because they didn’t come with any

growing up it would have made a huge

been friends for so long I never knew that

kind of explanation and often were dished

difference to the way I interpreted their

in her home, her parents modeled and

out as a criticism of an action already

choices and handled my own money.

talked about the importance of living within

completed rather than a guide for future

When it comes to raising money-smart

your means and saving for what you

behavior I put them in the same category

kids, conversation is key.

wanted. They often shared stories of poor

as other rules I considered ‘optional’ such

money management and their consequences with the kids and these

the beds and come home when it starts to

Parents Can Set Examples and Provide Solutions

get dark.

A few weeks ago I asked my Facebook

of how the situation could have been or

friends to share money lessons they had

was resolved.

as don’t tie up the phone, don’t jump on

The Money Talk We Never Had My parents had great money handling skills and good intentions but they didn’t know how to communicate their beliefs to us.

They grew up in a generation that accepted their parents’ rules without question and considered credit shameful.

We grew up in a generation that challenged authority and considered credit a golden ticket to acquire our heart’s desires.

It’s fair to say that I’ve learned more about money from my parents in the last five years than I did in the previous 35. This has

stories were always followed with a solution

misconceptions they have about money and money management and share stories or lessons that will help their understanding.

The better their comprehension of money and money management the better equipped they will be to handle their own money well and the better the chance that as adults they will be financially successful and secure.

That is a powerful legacy to leave for your child.

Sharing these stories had two benefits;

been met.

they provided the kids with a non-judgmental insight into the ways that

Talking to your kids on a regular basis

money could be mismanaged and inspired

about money helps to drive these

conversation about the principles of good

concepts home much more effectively than

money management. My friend is a great

lecturing them about waste or telling them

money manager and although as a

that you can’t afford something. It also

rebellious teen she made some financial

keeps you accountable for adopting and

mistakes, she was always able to find a

modeling good financial habits; you don’t

solution and create a new path to resolve

have to be perfect, just honest.

the situation.

When you engage kids through conversation and you model the lessons

How to Guide Your Child’s View of Money

that you’re teaching them, they will follow

In order to develop an understanding of

your lead.

how to manage money well, kids need to world. They need to understand that when

Start Your Kids on a Path to Financial Literacy

they see you paying with debit or credit

This week why not start a conversation

cards that it’s not just some form of

about money with your kids. Find out what

comprehend how money works in our

financial magic, real money is actually being used to pay the bill.

Kids live in a world where pretty much every dollar they receive is disposable income. They don’t always understand that everything they take for granted like their home, the heat, the hydro and the water has to be paid for and that the money you’re spending on treating them is the money that’s left after all the bills are paid and your goals for saving and giving have

Why HPE is Focusing on The Need for A new Computing

Courtesy: BRIAN JACKSON www.itworldcanada.com

Architecture S

ometime in the 23rd century, a

restraints,” he says. “Today’s conventional

reach 10.4 zettabytes, compared to the

Starfleet Academy instructor

data centres won’t be able to keep up with

3.4 zettabytes seen in 2014, predicts the

leads a class of red shirts

the exponential growth of demand.”

Cisco Global Cloud Index published

across the terrain of an alien world and

in April.

Feeding into the rapid growth of data

greatest technological innovation of the

Facing down the problems of exponential growth

21st century.

Much like Moore’s Law predicted that the

Things, connected devices being

number of transistors per square inch of

embedded in machinery, vehicles, and

“The Machine,” he begins as holographic

integrated circuits would double every year,

textiles that are creating even more data

diagrams and video windows pop up

the growth of cloud computing has also

points that must be collected and

above a bubbling lagoon. “It changed the

been exponential. As more organizations

crunched by big data analytics software

basic architecture of computing, using a

turn to infrastructure as a service and more

solutions. According to Cisco, North

massive pool of memory at the center of

of the world is connected to the Internet,

America had 7.3 device connections per

everything. And by doing so, it changed

data centres are being built and acquired

users in 2014 – the highest of any region –

the world.”

at a staggering pace by service providers

and will see a rise to 13.6 connections per

to meet the demand.

users in 2019. From a data perspective, by

speaks with earnest gravitas about the

Andrew Wheeler, vice-president and

centres is the emergence of the Internet of

2019 more than 500 zettabytes will be

deputy director at HP Labs and an HPE

Over the next five years that exponential

generated by connected devices, up from

fellow, faces the tall order of moving today’s

growth promises to test the limits of current

135 zettabytes in 2014.

real-world technology to the lofty new

storage and processing technology

paradigm of computing imagined in this

available. By 2019, data centre traffic will

Star Trek-branded spot from HPE, released in June as part of a partnership with summer blockbuster Star Trek Beyond.

While the commercial’s claims may seem grandiose, Wheeler doesn’t shy away from his team’s ambitions and the need for a new architecture for computing.

“The Machine could solve problems previously unimaginable given real-time

by applying the new architecture to existing systems, HPE is also engaging industry to imagine solving problems they wouldn’t even consider attempting with current technology.

“I want to get to the end goal of The Machine,” he says. “But I know how business works. We have to roll out some parts of this infrastructure as improvements to existing infrastructure.”

Then there’s the power requirements. A

“Instead of cramming more cores into

First announced as a project in 2014, HPE

study at the University of Leeds in the U.K.

processors, we are starting with a

has since developed the new Linux-based

shows data centres require double the

memory-centric view first,” Wheeler says.

OS required for The Machine in an open

amount of electricity every four years.

“We can create this central memory pool

source model, making a repository

Considering that last year global datacentre

that can act as some level of main memory

available on GitHub. It has been developing

power requirements already exceeded all

and your permanent storage.”

code and testing algorithms for The

of the power consumption in the U.K., the

Machine using its Superdome X servers,

research suggests that to avoid a power

HPE has developed a new type of storage

designed for high-performance computing

crisis in the future, the world will have to go

medium, Memrister, to serve memory,

and providing a vast amount of in-memory

on a planned Internet diet.

cache, and storage functions

compute capability.

simultaneously. Called “universal memory,” “When you look at the massive amount of

this memory pool would be connected

HPE says that its architecture work led to

data that’s going to be collected and the

using photonic fabric (thick fiber optic

its own reduction of the servers supporting

idea of aggregating that idea in an

cable) instead of copper wiring, accessed

its website, HP.com (this was before the

IoT-enabled world and scale that up into

with light instead of electricity. Using this

company split), from 25 server racks to

large datasets, today the fastest way to do

model, the appropriate amount of CPU can

three. That supports 300 million hits a day

that is with high-performance computers

be assigned per workload.

on 720 watts, the company reported in a

and in-memory databases,” says Crawford

2014 blog post.

Del Prete, chief research officers at IT

HPE says this model of computing is more

consultancy firm IDC. “But this still has

elegant than current architecture because it

But HPE wants to demonstrate The

some significant limitations to speed, and

eliminates the need to hand off data

Machine is about more than further

the power required.”

between the various layers of storage,

efficiency in computer and power

traveling through communications buses

consumption. Wheeler describes a recent

Rearchitecting computers to change the equation

each requiring software to manage the

contest HPE organized with a professional

flow. With The Machine, all of that can be

airlines consortium, using a huge dataset

HP Labs’ solution to the problem of

cut out and data accessed instantly.

detailing flight operations, asking some

exponential growth is, in essence, to

airlines to apply graph analytics to solve

redesign the fundamental architecture of

“HPE is putting on the table a different way

problems created by unexpected changes

computing to provide the speed needed at

to think about how data is handled in the

in flight schedules.

a much lower power requirement. After all,

computer,” Del Prete says.

computers haven’t been redesigned for more than 50 years now in terms of core

Pushing industry towards the paradigm shift

architecture. Rather than torquing up the

“Build it and they will come” worked for

horsepower of a classic hot rod by putting

Kevin Costner, but Wheeler knows he’s not

in a bigger engine, HP wants to redesign

starring in Field of Dreams as his team

everything that’s under the hood and

develops The Machine. While finding ways

make a Tesla.

to demonstrate immediate efficiency gains

Imagine a pilot is able to land a flight 10

“Companies have to get a productivity

“You don’t just throw the Machine out there

minutes early, only to find their intended

boost from technology to become more

and say here you go,” he says. “There’s a

gate is still busy, Wheeler says. Even

efficient,” he says. “You have to be

lot of work that leads up to taking

though many other spare gates may be

addressing a really hard problem of that’s

advantage of that.”

available, it’s likely the plane will have to sit

going to deliver huge amounts of value.”

on the tarmac and wait because it’s too

The prototype we see later this year will be

difficult to change all the details related to

Other hardware vendors in the industry are

looked at by industry analysts as a new

that flight to another gate – the crew, the

going about this by acquiring artificial

box in HPE’s converged hardware portfolio,

baggage, the maintenance, and so on.

intelligence innovators, retooling power

still a far cry from the world-changing

architectures, and even otherwise

innovation depicted in the Star Trek

“There’s not a single type of server that can

redeveloping semi-conductors. But HPE is

commercial. But as Wheeler would tell you,

help them optimize things like that,” he

the only one that’s rearchitecting the

you have to show people what’s possible

says. “With an architecture like The

input/output architecture with a unified

before you get them to eliminate what they

Machine, you could be tracking all that

memory approach.

consider impossible.

information in realtime.”

Before the end of the year, HPE plans to With processing power more efficient and

have a full-scale prototype up and running

storage much cheaper in the future,

with the unified memory and software

businesses will begin automating many

architecture in place. But it won’t have the

operational processes, says IDC’s Del

full-realized performance yet, Wheeler

Prete, making 20 per cent of them

says. Towards the end of the decade, he

self-healing without any need for human

hopes to see a full-blown version of The

intervention by 2022.

Machine completed.

Drapery, Home Decor & Gifts

Mattresses, Household Items & Wall to Wall Carpet Installation SPECIALIZED IN CUSTOM MADE, READYMADE DRAPERY & HOME DECOR 1921 Eglinton Ave E, Unit # 802 Scarborough, ON M1L 2L6 Tel: (416) 755-2217 2 Thorncliffe Park Drive, Unit# 31, Toronto, ON M4H 1H2 Tel: (416) 467-2378

The Top 10 Factors That Affect Life Insurance Premiums

Courtesy: www.insurancehotline.com

Life insurance are based on a variety of

potential health problems that could result

expectancy. Women live longer than men

different factors, and it can be a bit

in a premature death. That means a higher

as a general rule, which means they will

confusing to many people to make sense

risk for the insurance company.

pay generally lower rates for life insurance.

rate. These top 10 factors will take the

5) Your Occupation

10) The Policy Itself.

confusion out of understanding how life

If you happen to be a race car driver,

The longer the term of the policy and the

insurance is rated.

insurance companies have good reason to

larger the amount of the death benefit the

see your job as a bit risky. Certain

more you will pay for it. Simply put, this is

1) Your Age

dangerous occupations may result in an

because the risk that you will die during the

This is an incredibly important factor. All

increase in rates or even denial of

policy term is higher for a Term 30 policy (a

other things being equal, the younger you

coverage because they carry such a heavy

policy that covers you for 30 years) than a

are the lower your rate will be. This is

risk of accidental death.

policy that covers you for 10 years (a Term

of why they are being charged a certain

simply because you are less likely to pass

10 policy.) In addition, the more the death

away when you are younger. This is why

6) Smoking

benefit (i.e. the amount that will be paid out

insurance experts recommend buying a

Smokers pay more for life insurance simply

to your beneficiaries), the more you will be

policy young.

because of the many health risks inherent

charged for coverage. Long term policies

in the habit. If you quit smoking, you can

are more expensive than short terms, and

2) Your Health History

qualify for lower rates within a year—just

whole, or permanent life insurance is

Your medical records will be an important

one of the good reasons to quit.

generally more expensive that term life

deciding factor in your rate. If you have a

insurance.

history of any kind of chronic disease or

7) Drinking

other potential health problems it could

Heavy alcohol consumption can also take

How much impact each of these factors

result in higher rates.

a major toll on your health. That is why

has on your life insurance rates depends

insurance companies ask about your

on how the insurance company rates each

3) Your Current Health

drinking habits as well as smoking habits.

factor and also on the combined effect of

You will generally have to go through a

Those who drink more are likely to pay

multiple factors. Each insurance policy is

medical exam to look for things like high

more for their insurance rates.

rated on a case-by-case basis, and no two

blood pressure or other health concerns that might be a sign of future problems.

8) Your Family History

People who are currently in good health will

Those with a major family history of serious

typically see lower rates.

illnesses such as heart disease and cancer, which can be hereditary, may find

4) Your Weight

they pay more for life insurance.

If you are overweight or obese based on a height to weight ratio scale, you may pay

9) Your Gender.

more for your life insurance coverage.

Gender equality is a good thing, but your

Being overweight is known to come with

gender does say something about your life

life insurers will be the same. It’s for this reason that it’s prudent that you compare life insurance quotes and shop around.

Ten Tips to Becoming a Better Entrepreneur Courtesy: JEAN-PHILIPPE L'ÉCUYER www.futurpreneur.ca hy does one entrepreneur

those of you who aren’t interested, I also

pride. Successful entrepreneurs have

succeed where another one

have an excellent recipe for apple crumble.

previously experienced monumental

fails? What is the secret

Contact me, I’ll be pleased to send it to

failures. If you can’t accept failure from the

ingredient that allows an entrepreneur to

you. And for everyone else, follow me, let’s

start, don’t begin your project. It’s the

succeed in business? In general, how can

get going!

failures that build successful entrepreneurs,

W

you become a good entrepreneur, really?

by bringing them knowledge and skills that

Many start-up entrepreneurs are obsessed

Tip # 1: Develop your patience

are impossible to acquire otherwise. We

with these questions. While successful

Personally, I’m not a patient guy. So this

call it life experience. It’s a simple as that.

entrepreneur models proliferate nowadays,

makes me the best person in the world to

it is still very hard to define the essence of

advise you to be patient. I’ve often noticed

Think about it, who would you call if you

entrepreneurial success.

the negative consequences of a lack of

experience a great heartache? Your friend

patience. It’s just as true personally, as in

who has been in coupledom for 14 years

business.

or the one who has been dumped 6

I would love to tell you that I have the magic recipe. Then I could bottle it and distribute

times? See! Life is the source of

it to everyone. My work as a guide would

In my workshops and speaking

knowledge and wisdom, in business as in

be so much simpler! Well, I’m afraid this

engagements, I often explained to

your personal life.

ingredient doesn’t exist. I’ve been looking

entrepreneurs that business development

for it in the woods near my home, but up

brings delayed results. Translation, please!

Some entrepreneurs tell me: “There’s no

until now I’ve only found some lichen and

It means that the energy and money that

way my project won’t work—it will be

dandelions.

you are going to invest in your marketing

huge!” When I hear that, it’s often a very

will bring absolutely nothing … in the short

bad sign, because the entrepreneur hasn’t

Entrepreneurial success is a combination

term. So patience is a key to success

admitted the possibility of failure. In such

of several factors. While you have control

when starting up a business. You have to

cases, I ask entrepreneurs to write down

over some of them, others will completely

accept from the beginning that you are

everything that could go wrong with their

escape your influence. Your personality, the

going to have to give a lot of time to your

project and to explain to me how they

economic situation or the trends in your

business project and vast amounts of

would feel when faced with bitter failure.

industry are just a few examples of static

energy. There will be a long dead period

Admitting the possibility of failing and

elements on which you cannot act. Quite

before things really take off. It’s essential to

experiencing failure are necessary paths to

simply, they just exist. You have to deal

be aware of this latency period, so you can

success. In the end, knowing how to get

with them. Happily, there are many other

avoid constantly questioning yourself and

back up on your feet is all that counts!

factors for success on which you can act

wasting your energies. You just have to

directly.

accept it, roll up your sleeves and continue

Tip # 3: Trust your collaborators

the work.

A business idea is worth nothing. A business, however, is really worth

What would you say to ten tips to become a better entrepreneur and power your

Tip # 2: Learn how to fail

something! What’s the difference between

business success? Hard to refuse, no? For

The worst enemy of an entrepreneur is

the two?

While an idea is just a seed in one person’s

a knowledge and philosophy about the

your client, that’s not necessary true! Your

mind, a business is the result of

industry. This knowledge is one of the most

product may please the client or even

collaboration between various people.

important resources for a business

several clients, but is it optimal? It’s highly

start-up. So why not discuss the subject

probable the answer is no! Successful

freely.

entrepreneurs constantly redefine what

For your business project to come alive and be successful, you will need to bring

they offer, whether product or service.

people together and get them to

Maintaining healthy business relations with

collaborate. Whether you pay each

competitors allows you not only to regularly

In e-commerce, A/B testing is the constant

collaborator or not doesn’t change

keep a finger on the pulse of the industry; it

refinement of the product, contents or

anything. You have to let them use their

can also lead to partnerships. It’s what is

publications in light of public preferences.

own knowledge and their own ways of

called coopetition. Whether through a joint

This e-commerce principle must be applied

visualizing your project.

venture, a marketing alliance or investment

to your company, no matter what kind it is.

in research and development, coopetition

Your product or service must never

As a promoter, you won’t go far without the

benefits both parties. So don’t deprive your

become static; it must remain dynamic and

expertise and experience of others. Your

company of everything that your

react to the market and to industry trends.

business is a complex system; you’ll have

competitors can bring it!

to integrate the maximum know-how for it

Successful entrepreneurs are tuned-in to Tip # 5: Learn to do open innovation

their customers. They can adjust the

Let’s make life simpler for ourselves and

smallest details of their product or service

If you’re stuck on your own ideas and

not reinvent the wheel. This is the essential

and how it’s communicated so as to obtain

refuse to let collaborators think freely, you

purpose of open innovation. It simply

the optimal response from their customers.

will deprive your company of key resources

means to pool existing knowledge instead

for its development. You have to develop

of constantly re-creating them from

Tip # 7: Work less

confidence in your collaborators and open

scratch. What knowledge would you like to

Start-up entrepreneurs don’t count their

yourself up to everything they can bring to

integrate into your company? What

work hours. They work non-stop and

your company.

information would you like to share?

sometimes it’s just too much! Few people

Tip # 4: Speak to your competitors

All knowledge is expensive to develop.

While it may seem counterintuitive to

Your company can avoid many costs and

consort with the enemy, it’s an essential

numerous fruitless trials by acquiring

It’s essential to find balance between your

step! When I was young, my parents often

innovations already established in other

project and personal life. If you don’t let

took me out for ice cream. I know, I was so

companies, organizations, or communities.

yourself recharge enough in the different

spoiled! They were friends with the owner

Conversely, you can benefit from an

aspects of your life, your project will end up

of the ice cream shop around the corner.

innovation you have developed which is

by taking over completely and you will no

One hot day, I saw his competitor come in

underutilized or unused.

longer be effective.

wanted to continue to make sales. Well,

For example, why not use an existing

It is important to take a step back and

you know what? The owner sold him the

supply platform instead of creating a new

constantly figure out where you are. You

ice cream. From the knowledgeable

network of suppliers? Why not share your

have to make adjustments as needed. If

perspective of a six-year-old, I was

production cost calculation Excel file?

the project is taking up too much space in

shocked. I ate my cone and tried to

While there is extensive documentation on

your life, you’ll be indirectly harming its

understand what had just happened.

open innovation, the concept is simple:

success.

to take off.

will tell you to work less. But I’m not shy or embarrassed to say it.

to buy stock from him. He had run out and

you just share. Whether for free or at a cost, just… share.

Tip # 8: Remember why you’re doing all this

your best friends. They work in your

Tip # 6: Constantly redefine what you offer

Successful entrepreneurs find the

industry and they want the same thing you

There it is, you’ve got your first contract.

motivation in the fact that they’re making

do, to please the same client you do. Just

Congratulations! While this might let you

their own decisions and accomplishing a

like you, your competitors have developed

think your product or service will please

vision that is truly theirs.

You have to realize your competitors are not your enemies. Instead, they should be

These are the strongest and most effective

transform your company. Let me explain.

objective. What brand do you want to

entrepreneurial motivations. They are

Over time, by accepting assignments that

create? In what field do you want to

directly linked to entrepreneurial success.

don’t correspond to what you really want to

become recognized? Who do you want to

do, it’s highly probable you will be gradually

serve? In what way? What’s your

Sometimes, daily life can distance you from

become an expert in that field despite

company’s personality?

the deep reasons for which you took on

yourself. You’ll be getting projects that take

this entrepreneurial adventure. But these

you out of your field of interest and your

A little bonus tip

motivations are your fuel. They give you the

strengths. You’ll tire yourself out, and

Among all the pieces of advice I can give

energy to advance when times are tough.

without realizing it, you will develop a

you, one thing dominates above everything

So take a moment, once a day, to stop.

company that doesn’t resemble the

else: learn how to learn. Gradually become

Simply ask yourself: Why am I doing all

business project you were hoping for.

your own business adviser. Jot down notes on your company, your clients, your own

this? What’s pushing me? What gives me We don’t always have the luxury of refusing

attitudes and behaviour. What do you need

contracts, I agree. However, you should

the most to succeed? What’s halting you?

Tip # 9: Do what you love

learn to develop a certain firmness

What excites you and helps you overcome

It is clear that as an entrepreneur, you’re

regarding your business vision. The more

obstacles? Learn how to take a critical and

not just doing what you’re passionate

you depart from it, the more you’ll be

systemic view of your company, your

about. Of course not! You have to learn

dispersing the energy and resources of the

collaborators and, especially, yourself. The

how to accomplish a whole range of tasks

company, and the less you will feel

success of a business start-up is entirely

that will take you out of your comfort zone.

motivated with regard to your project.

connected to its promoter or promoters, so

energy? See, it’s as simple as that!

Imagine if you were to accept this kind of

this self-teaching capacity is crucial. That’s

Also, from the start you need to understand

contract and then, the following week,

why the best advice I can give you is:

that your company will need knowledge

were obliged to refuse a project that

develop your capacity to become your own

and skills you won’t be able to develop.

excites you because you’re overloaded.

adviser!

You have your own personality; you can’t

Wouldn’t that be incredibly sad? The same

fulfill the profile of all jobs and professions!

logic applies to collaboration, marketing

Even though I am constantly amazed to

alliances or projects parallel to your

see entrepreneurs push their limits and get

company. There are three rules for

out of their comfort zone, no one is perfect

business start-ups: consistency,

in everything.

consistency and consistency.

You have to learn to delegate and

Be stubborn, go for the project that interest

concentrate on your strengths. The good

you, and stay focused on your ultimate

news is that your strengths are necessarily what you enjoy using. Your natural skills are those that energize you, make your tasks easy and pleasant; they make you feel vital.

Tip # 10: Be stubborn It often happens that entrepreneurs accept assignments that are beyond the mission of their company. Why? Simply because they have to pay their bills, like everybody else! Make sense, doesn’t it? Everyone’s gotta eat.

While it may sometimes be necessary to move away from your company mission and goals, there is a risk this can slowly

Sitting Disease: The New Smoking

Courtesy: www.peocanada.com

significant portion of our days

from 80 to 100 per cent.” Moving

What can be done?

are spent sitting – Between

throughout the day is positive for both

commuting, work and leisure

employees and employers.

Consider the following, encourage employees to:

Many of us have heard the phrase “sitting

Dr. LeBlanc also states that only “20 per

• Walk for 15 minutes during lunch breaks

is the new smoking”. According to the

cent of Canadians are meeting the

•

Globe and Mail [article], “the long-term risks

recommended guideline of 150 minutes of

work day

of sitting – [include] hypertension, diabetes,

heart-pumping activity a week.” Moreover

•

Stand during telephone calls

heart disease and cancer” – But, there may

Dr. LeBlanc suggests, “active people may

•

Stand during meetings

be more to consider than just this. Allana

be unwittingly falling prey to ‘sitting

•

Walk during meetings

LeBlanc, a physical activity expert for

disease’” – In addition the article suggests,

Participaction states “moving around more

“sixty-three per cent of Canadian office

• Follow the ‘20-20’ rule – for every 20 minutes spent sitting, get up and stretch for 20 seconds

at work has been shown to make people

workers say they are worried about the

more creative and focused, and decreases

amount of time they spend sitting at work,

absenteeism.” In the article Dr. LeBlanc

with one in five office workers admitting that

refers to a Stanford study that shows

they spend at least eight hours a week – or

“walking indoors or outdoors increased

an entire business day – sitting in

creativity and the flow of ideas anywhere

meetings.”

A

time; we spend a lot of time being inactive.

Take short, active breaks during the

• Encourage treadmill desks, sit-stand desks and other products to encourage physical activity It is difficult for change to take place in an organization unless there is approval from top management and a shift in corporate culture – The article notes, “A study published in Preventive Medicine last year showed that informing employees of the risks of sitting and giving them permission to stand increased that behaviour by 60 percent.”

In addition to encouraging increased activity at work, employers may also encourage employees to walk, cycle or jog when commuting for work by offering secure bicycle parking as well as during leisure time by providing incentives such as an organized fitness program allowance.

8 Things You Need to Know About Withdrawing Money From Your RESP Account Courtesy: MIKE HOLMAN www.moneysmartsblog.com

So your little darling is going to a

2) Ask for more, rather than less

post-secondary educational facility once

Withdrawing from an RESP is not as

5) Specify if the withdrawal is to be from contributions, non-contributions or both

they finish high school. Hopefully you’ve

convenient as withdrawing from your

There are two parts to an RESP account:

already verified that their school is eligible

chequing account. Don’t be afraid to ask

1. Contribution amount. This is the total

for RESPs. The big question now is how

for enough to tide your student over for a

amount of all your contributions to the

to access some of those dollars that you

while. You don’t have to give all the money

account.

have saved up in an RESP account for

to the student right away when you

2. Accumulated Income. This is all the

them.

withdraw it. Most students are not as

money in the RESP which is not

financially savvy as you are, and might

contributions. RESP grants, capital gains,

I’ve put together a useful list of all the

benefit from getting a regular payment,

interest payments, dividends are all

information you need to know in order to

rather than a lump sum at the beginning of

included in the Accumulated Income

get your money out of an RESP account.

a semester.

portion.

Example of contribution amount and

so please contact them for details. If you

3) The money in your RESP is your money, until you give it to the student

have a scholarship/group/pooled RESP

All withdrawals of contributions from an

Joe contributed $1,200 per year for 10

then you will definitely have more restrictive

RESP account can can be sent to either

years to an RESP account he set up for his

rules and should contact your financial

you (subscriber) or the student

niece. 20% grants were paid on all the

institution.

(beneficiary). If you request a withdrawal of

contributions and the investments have

accumulated income in the form of an EAP

gone up in value.

Keep in mind that your financial institution might have slightly different requirements,

accumulated income amount

1) You don’t need receipts or a good story to withdraw funds

(educational assistance payment), the money has to be sent to the student.

- Account is now worth $17,000.

If you want to withdraw money from an

For the record, I don’t agree with the EAP

- Total contributions are $12,000 (10 times

RESP account, all you have to do is

rule – what if a parent pays for

$1,200).

provide proof of enrolment. Check with

tuition/book/residence/meal plan and then

- Accumulated income amount is $5,000

your financial institution for their proof of

requests an EAP – shouldn’t they be

($17,000 minus $12,000).

enrolment criteria. The government has

getting the cash?

provided a Verification of Enrolment form,

You can do two types of withdrawals from an RESP account if your child is attending

out for you. You don’t have to provide

4) Only the subscriber can request payments

receipts or any other kind of justification for

The student who is the beneficiary of an

1. PSE (Post-Secondary Education

your payment request. Just ask for your

RESP account has no control over the

Payment) is a withdrawal from the

money.

money. They cannot request payments –

contribution amount.

which most educational institutions will fill

only the subscriber.

school:

2. EAP (Educational Assistance Payment)

limit of $7,200 for each child. This was

accumulated income has to be withdrawn

is a withdrawal from the Accumulated

accomplished by contributing $36,000 for

as an AIP (Accumulated Income Payment),

income.

each child.

then the RESP grants are returned to the

Eventually the account looked like this:

government, the money is taxable income

Some interesting facts about PSE &

- Contributions = $72,000

for the subscriber and there is a 20%

EAP:

- Accumulated income = $30,000 (this

penalty tax as well.

- PSE payments are not taxable income

includes the grants)

and there are no limits on withdrawals.

Clearly removing accumulated income from

- EAPs are taxable in the student’s hands.

When Bart enroled at a local heavy

your RESP via EAP is the preferable

- There is no withholding tax on EAPs.

machinery training school – Homer started

method.

- A T4A slip will be issued by the financial

making withdrawals from the RESP

institution at the end of the year for any

account. Over the two year program, he

If you have $20,000 of accumulated

EAP made during the year.

withdrew $30,000 and sent the money to

income in an RESP account, one might

- There is a $5,000 limit for EAPs in the first

Bart. However, Homer didn’t understand

decide to withdraw $5,000 for each year of

13 weeks of schooling.

RESP rules very well and didn’t specify if

a four year program. Sounds reasonable,

- Most institutions will default payments to

the withdrawals were to come from

but what happens if your child decides

100% EAP which means that the money is

contributions, accumulated income or

she’s had enough education after one

taxable income for the student.

both.

year? You will be left with $15,000 of

- When doing a withdrawal, you should

accumulated income in the account which

specify how much of the money will be

His institution defaulted the payments to

coming from contributions and how much

EAP (from accumulated income) which

from accumulated income.

means that all the grant money in the

You can take advantage of the six-month

account went to Bart. Once the

rule which allows you to do an EAP for six

6) Don’t withdraw more than $7,200 of grant money per beneficiary

government figured out what happened,

months after the child has stopped going

they “took back” the amount of extra grants

to school. Or you can wait and then

If you have a family plan RESP, make sure

used by Bart. $7,200 was removed from

eventually use other methods to reduce the

you don’t withdraw more than $7,200 of

the RESP account. This could have been

RESP penalties. Alternatively, you can

grant money per beneficiary. $7,200 is the

avoided if Homer had asked his institution

remove more accumulated income while

lifetime grant limit per beneficiary. Typically,

where the grant money was going. He

the child is going to school. This is the

any EAP will contain grant money.

could have withdrawn just enough EAP to

reason why most financial institutions

give Bart his share of the grants, and then

default payments to “EAP” – because it’s

started to withdraw contribution money.

generally in your best interests to do so.

Because the subscriber sets the amount of EAP for each withdrawal, it’s possible for

will be very expensive to remove as an AIP.

Don’t worry about taking more than the

someone to withdraw a disproportionate

7) Watch the taxes

child needs – you can store the extra

amount of EAP for one beneficiary which

EAPs are treated as taxable income for the

money in your TFSA or the student’s TFSA.

might mean that one beneficiary will be

student. Most students don’t pay much, if

over the limit for RESP grants.

any income taxes. If the student is in a taxable situation, it might be worthwhile to

If that happens, the grants will be returned

adjust the payments to reduce the amount

to the government. Your financial institution

of EAP which will reduce the taxable

keeps track of how much grant money is

income for that year.

paid out to each beneficiary, so all you have to do is ask them for an update and change your withdrawals appropriately.

8) Don’t leave Accumulated Income in the account When accumulated income is withdrawn

Example of over-withdrawing grant money:

from an RESP account as an EAP – there

Homer has two kids; Bart and Lisa. He set

are no penalties and the money is

up a family RESP for them at a young age

considered taxable income for the student.

and eventually maxed out the lifetime grant

If the student drops out of school and the

Positive Employee Morale Benefits Your Business

Courtesy: www.go2hr.ca

Compared to employees who are

quality and customer service, act in a

are overburdened or otherwise restricted

motivated, disengaged workers are

manner that's consistent with what you

from giving their best effort. If you do,

less efficient, miss more workdays

demand from your staff.

they'll feel they're wasting time and energy

and cost their employers thousands

on a futile effort. Make sure you promote

of dollars in lost productivity. Keeping

Communicate. Tell employees your

policies that support staff in taking action to

employee morale high is one of the

objectives for the company and promptly

resolve issues.

best things you can do to instill

share news that affects the organization.

loyalty and maintain a productive

Let staff know clearly what your

Respect team members as individuals and

workplace.

expectations are, and explain the

as professionals.

reasoning behind certain rules or rule Developing and maintaining good morale

changes. Ask workers directly what

Care about your employees, not just about

starts with hiring the right people in the first

motivates them, and get their feedback on

your business. Show an interest in their

place. Thereafter, your employees’ morale

how to handle staff issues.

personal lives and get to know what's

affects how motivated they will be to work

important to them, so you can help them

for you, suggests how much they will do

Involve employees as equal members of

while on shift, and influences how long they

your team. Make them feel valued and

will stay with your organization. As a

connected to your cause by asking for their

Respond to problems, concerns and

manager, much of the mood within the

feedback and giving them room to make

questions. Leaving things unaddressed

organization is in your hands. Make sure

decisions.

tells employees you don't care.

Challenge your workforce with new

Align your business activities with positive

opportunities to use and develop their

social values. Workers respond favourably

skills.

when corporate actions reflect responsible

achieve their goals.

you do your part to keep morale levels high.

First, make sure that your people clearly understand their role, their impact on

community or environmental practices.

customers, and how they bring value to the

Consult employees before implementing

You might also consider donating

organization. Managers must deliver good

policies that will affect them. Instead of

equipment or sponsoring group volunteer

training and continuous feedback to ensure

handing down rules like a dictator, allow

projects or fundraising activities.

this understanding. This foundation is vital

staff to give input into creating their own

for getting employees to feel connected to

environment.

the company.

Be fair about discipline. Address performance issues privately and apply

Acknowledge and appreciate staff.

discipline consistently, without favouritism.

Motivate with your own example. Show

Recognize small successes with kind and

good character, and conduct yourself and

encouraging words for a job well done.

Most importantly, be an effective leader.

your business in a manner you want

You can reinforce commendable behaviour

Be honest, fair, and accessible; interact

imitated. Demonstrate a positive attitude to

further by giving inexpensive rewards like

with staff frequently; and display a positive

serve as an example of optimism and

“thank you” cards or larger ones like gift

demeanour whenever possible. Show

achievement. In other words,

certificates.

your employees that yours is a workplace

“walk the talk.”

to be proud of, where great things can Provide adequate tools and staffing levels

happen, and that their efforts are a major

Set a high standard and show

to get the job done. Don't be so frugal as

factor in its success.

commitment. When it comes to things like

to create an environment where workers

Our Top 6 Lakes in The Canadian Rockies

Courtesy: www.brewster.ca

he Canadian Rockies offer a

name from Bill Peyto, a significant man of

A warmer lake in the Jasper area offering

wealth of lakes for your viewing,

history in the Rockies; an early mountain

another unique perspective of the Rockies

swimming, boating and

guide in Banff National Park.

as Pyramid Mountain towers over the lake

captains and entertaining guides, will delve

Lake Louise – Lake Louise

below. Stroll over to the island on

you into the past yet transport you in to the

A destination in itself and needs no

foot-bridge, canoe across the lake to the

present of the beauty surrounding you. You

introduction, this Iconic lake of the Rockies

secluded lake beaches or look for wildlife

may choose to rent a pedal boat and

is cuddled by towering peaks and

along the shore! Swimming is also popular

explore the water’s edge, hike on local

mesmerizing glaciers. Discovering the

in this temperate water. For those who wish

trails or use it as the centre-point for

Rockies is simple onboard a sightseeing

to visit in the winter, this lake turns in to a

amazing photography in all seasons. Lake

excursion such as the Mountain Lakes and

winter wonderland with cross country

Minnewanka is also a popular spot for

Waterfalls tour - visit Lake Louise and gain

skiing and sleigh rides.

scuba-diving in the Rockies for exploration

a bonus of a visit to Moraine Lake. Lake

of the submerged village of Minnewanka

Louise, beautiful in every season offers

Maligne Lake - Jasper

Landing.

canoeing opportunities to explore the

The largest glacier-fed lake in the Canadian

T

exploring pleasure. It was hard for us to pick a favourite, so here is our Top 6 Lakes in the Canadian Rockies.

Lake Minnewanka - Banff The largest lake in Banff National Park is nestled between mountain scenery and is cloaked in history. A cruise on board the Banff Lake Cruise, with experienced

Peyto Lake - Icefields Parkway One of the most awe-inspiring lakes in the

water’s edge and

Rockies is a must-see! Not only that, it

popular hiking trails in

holds the iconic Spirit Island only

the summer. In winter,

accessible by boat. Hop aboard the

the lake is a host to the

Maligne Lake Cruise and be transported to

Ice Magic Festival

this magical place. For those experienced

showcasing a stunning

in kayaking or canoeing, you may choose

carved Ice Castle on the surface of the

to paddle the almost 30km round-trip to

lake.

the island itself.

Canadian Rockies is easily accessible from a viewing platform high on the mountainside. Watch the glacier-fed turquoise waters sneak into view as you complete the short pathway to the view point. These mountainous lakes get their vibrant turquoise tint from rock flour, or glacial flour that is picked up during the melting process. Peyto Lake received its

Pyramid Lake - Jasper

The lake goes further past the island and

Canada initiative) to sit and enjoy this

ends with a small campsite at Coronet

unparalleled landscape.

Creek at the 22 km mark (if you are daring

There are so many more lakes we could

enough to embark on a multi-day

list; however, we hope this compilation

canoe trip).

offers some inspiration for your travels!

Johnson Lake - Banff Trust a local, this is a top pick for summer relaxation! This is a great place for a cool-off as the water is the perfect temperature for swimming or a float on a warm day. A quick exploratory loop around the lake gives you great view points within a small distance and it’s an achievable hike even with small children. You may even come across the Red Chairs (Parks

67 Baldwin St. N Brooklin, ON L1M 1A3

(905) 655-5544

www.stanleysďŹ shandchips.com

T H How to Have a A G N Happy Thanksgiving i V K S iN With Your Special G Needs Family I

Courtesy: JOANNE GIACOMINI www.huffingtonpost.ca

love the colours of fall, the

If this is a challenging time for you and your

hunkering down inside to cook

family, here are some tips that can help you

and bake, and the quality family

have a successful Thanksgiving celebration

5. Schedule the three days in advance with structured activities with some downtime in between:

where everybody has fun.

This is so they know what to expect. Some

time you can spend talking, laughing and

like more structure, some like less. The

eating the delicious crock pot type recipes

important thing is knowing your child and

count our many blessings and practice

1. Write a mini social story about the holiday and what it means to you and your family:

gratitude in our lives. It reminds me how

details like the meal, saying grace, talking a

Our family likes to do a combination of

grateful I am to have the wonderful family

walk, watching the sports game on tv etc.

things. We enjoy the traditional turkey

and friends I do.

You choose what to emphasize.

dinner, weather permitting, going to the

My son has started gravitating towards this

2. Have your child take an active part in Thanksgiving preparations:

some family at their place or them coming

This depends on their age, but they can do

to be watching a movie at home along with

at the kitchen table. I also love Thanksgiving, a holiday that reminds us to

what will make them most comfortable.

park, apple picking, along with visiting with holiday as well now. It's not just the holiday before Halloween for him anymore. He takes our turkey dinner and desert quite seriously, and loves the idea of making apple sauce or baked goods from the apples we get at apple picking. He also wants to make a cake for his grandparents' wedding anniversary, which falls on the Thanksgiving weekend. He's actually been talking as much about Thanksgiving as about Halloween! It makes me proud.

It wasn't always like this though. It used to

everything from helping to prepare the turkey or side dishes, to cleaning the house or their rooms for visitors, to setting the table etc.

3. Read stories about Thanksgiving and what it means to different people.

The main idea is to show that being grateful for what you have is what's most important.

us dealing with my son being out of routine

4. Have sensory toys available and a safe corner where your child can go if the party gets too much, or they need a break.

and having lots of behaviours. This was

This would include things like thera putty,

difficult for all of us. What has helped now

squeeze toys, sensory balls to bounce or

as he has gotten older is talking about this

press themselves on, and a quiet room

holiday and what we will be doing that

where they can go decompress if need be.

be just another long holiday weekend for

weekend.

to us. Our downtime activities have tended allowing time for my son to read or play in his playroom alone.

Some families go away, some stay at home. Some are more comfortable ordering out food, and some like the traditional meal. Whatever pleases your family is the way to go. There's no one size fits all model here. This is how we explained Thanksgiving to our son, and have had much success in our family celebrations. The important thing as always is to go with your gut as a parent. You know your child best. Wishing you all a Happy Thanksgiving weekend!

October

EVENT CALENDAR OCT 3

MONDAY

Muharram / Islamic New Year Many Muslims in countries such as Canada observe the start of the Islamic New Year on the first day of Muharram, which is the first month in the Islamic calendar.

OCT 4

TUESDAY

Feast of St Francis of Assisi 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 10

MONDAY

Thanksgiving Day 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.

OCT 12

WEDNESDAY

Yom Kippur Yom Kippur is a Jewish holiday known as the Day of Atonement. Many Canadians of Jewish faith in Canada spend the day fasting and praying. Its theme centers on atonement and repentance. Yom Kippur is on the 10th day of the month of Tishrei (or Tishri) in the Jewish calendar.

OCT 25

TUESDAY

Simchat Torah 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 29

SATURDAY

Diwali / Deepavali Diwali (Dīvali or Deepavali) is a festival of lights observed on the 15th day of the month of Kartika in the Hindu calendar. Many people in Canada celebrate Diwali each year.

OCT 31

MONDAY

Halloween 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.

Canadian Real Estate Prices Forecast to See Largest Annual Increase This Century Courtesy: GARRY MARR President www.business.financialpost.com

H

ousing price appreciation across

social disruptions have rocked the world

promised to create a working group of

the country will be more than it

once again, introducing new risks and

provincial and municipal counterparts to

has been in the last 16 years,

making it very likely that the Bank of

consider the issue in Toronto and

according to a new forecast from one of

Canada will leave interest rates as-is for

Vancouver. On Monday, British Columbia

the country’s largest real estate companies.

now. Few industries are as rate sensitive as

agreed to grant Vancouver the right to tax

real estate. We don’t see even a mild

owners of vacant property — a move seen

Royal LePage, in a report out Wednesday,

correction for either the Toronto or

as being at least partially aimed at foreign

says economic uncertainty around the

pistol-hot Vancouver markets in 2016.”

investors.

fuel the Canadian existing-home market,

Despite citing the Brexit vote as increasing

Soper cautioned against government

adding that prices will rise by 12.4 per cent

uncertainty in the market, LePage says

getting too involved in the housing market.

in 2016 from 2015 to an average of

foreign money tied to Europe will flow into

$563,000.

Canadian commercial real estate as

“We remain convinced that heavy-handed

opposed to the residential market.

use of tax policy in an effort to artificially

globe and low interest rates continue to

The real estate company predicts greater

influence asset values in an open-market

Vancouver will lead the way with prices

LePage’s own internal surveys do say

economy like ours is fraught with peril,

rising 27 per cent this year to an average of

foreign markets are impacting Toronto and

particularly in a cyclical industry like

$1.206 million, while greater Toronto prices

Vancouver real estate, but the money is

housing.”

will rise 14.9 per cent to and average of

coming from beyond the European Union.

$718,000 during the period.

Still, he left no doubt his industry has some Its surveys of agents in the second quarter

concerns about the fast-paced nature of

LePage says its previous forecasts didn’t

found 71 per cent in the GTA and 74 per

the market and some of the impact it has

account for an extended period of low

cent in Greater Vancouver reported an

on prices. Soper even issued a warning to

mortgage rates which continue to fuel the

increase in activity from foreign investors

speculators.

housing market. Ratesupermarket.ca says

who were defined as having lived outside

the best fixed rate on a five-year mortgage

Canada for the last six months. LePage

“At Royal LePage, we see residential real

is now 2.18 per cent, close to a

said 35 per cent of agents in the GTA and

estate as a long-term investment

record low.

37 per cent in Greater Vancouver believe

supporting family life. A home is ill-suited as

foreign ownership accounts for less than

a buy-and-flip investment. People that

10 per cent of sales.

engage in this kind of activity are inevitably

“Our forecasting models, which pointed to a slowing housing market as the year

burned when a market slows and the time

progressed, included a modest increase in

Government continues to consider

it takes to sell the property increases

the cost of borrowing,” said Phil Soper,

measures to deal with the impact of foreign

substantially,” he said.

chief executive of LePage. “Economic and

owners and the federal finance minister has

Calorie Menu Disclosures Coming to Ontario Courtesy: KELLY HARRIS President www.millerthomson.com

O

ntario legislation to overhaul

statement setting out the approximate total

displays and signage. For some products,

in-store calorie advertising

daily calories recommended (for children

the highlighting of calories could also

requirements.

and adults). Here is a sample: “The

necessitate product re-formulation. While

average adult requires approximately 2,000

these regulatory updates will need to be

There are some sweeping new food and

to 2,400 calories per day; however,

budgeted for, consider aligning them with

beverage disclosure requirements coming

individual needs may vary.�

other business interests. If your business is

into play for the food industry in Ontario.

also due for an overall branding renovation,

The Healthy Menu Choices Act, will come

These changes will come with significant

consider using the new regulatory

into force on January 1, 2017, and will

costs. Businesses should prepare

requirements as an perfect excuse to

require food service providers with 20 or

accordingly for revisions to menus, in-store

bump this up on the to-do list.

more locations in Ontario to display the calories in food and beverage items. These disclosures will need appear in multiple locations, and there are very specific formatting requirements associated with these disclosures. Compliance with these requirements could apply both to franchisees/licensees as well as their franchisers/licensors, depending on each party’s level of control over menus.

The number of calories in each standard food or beverage will need to be displayed on menus (including take away menus, with some exceptions) and in-store display items. These requirements only apply to standard items intended for immediate consumption without further preparation.

The calorie disclosure must be made for each variety, flavour and size of the same/similar item, as well as to any combination meals depicted or listed for sale. These changes may require significant revising of existing menus, particularly where your restaurant offers a beverages or sides.

In addition to the menu and tag calorie disclosures, each location will need to post one or more signs with a nutritional

Address: 3050 Artesian Dr # 16 Mississauga, ON L5M 7P5 Tel: (905) 569-7916 Web: www.zeerah.ca

Burn Your College Degree... and Still Create Success Courtesy: MANSOOR NAQVI President MB Enterprises

T

oday, I am talking to young

was to become a Professor someday. To

realized that having

people as to why education is

me, at that time, that represented ultimate

education alone is not the key to success. I

not enough to create success.

success. I quickly realized that that was not

know it is clichĂŠ, but you must think

the case.

"outside the box" of "education" to be

Before I go any further, I believe that life can be divided into three phases.

PHASE 3 (Age 30 and Above).

THE FOLLOWING ARE THE 3 PHASES: PHASE 1 (From Birth to Age 20).

In Phase 3, you may have started a family -

In Phase 1, you are dependent mainly on

Perhaps, you have found a career path

your family. In most cases, rich or poor, the

based on your education or even

advice from parents to their children is for

sometimes, not based on your education.

their children to get a good education.

At Age 40 and above, you may start to

PHASE 2 (From Age 20-30).

perhaps a few kids along the way.

realize that your career choice was wrong or that the education you received

In Phase 2, you may have an idea of what

promised so much but delivered so

you want to do and what career path to

little.

take. However, you may still be influenced

Although I have an MPhil in

by the advice of your parents.

Chemistry, along the way, I quickly

For instance, I followed the advice of my parents to get a good education. After completing my Masters Degree in Chemistry, my ultimate goal

successful.

TODAY, I NO LONGER PRACTISE AS A CHEMIST. WITH A TEAM OF GOOD PEOPLE AROUND ME, I HAVE BEEN BLESSED TO BE SUCCESSFUL IN A NUMBER OF BUSINESSES.

‘Tap and Go’ Credit Card Purchases Are Surging in Canada Courtesy: JAMIE STURGEON website: www.globalnews.ca

P

unching in a security pin is

two or so,” Michalak said.

rapidly becoming passé for Canadian credit card users

The study divided accounts into low-, medium- and high-spending segments

One big reason for that is the number of

based on their monthly spending habits

when making small purchases. Cards

merchants, or store owners, that have

prior to adoption.

equipped with technology that allows a

terminals that can handle tap payments

user to pay with a simple wave or tap of a

appears to have hit a critical mass,

The study divided accounts into low-,

card is surging, new data shows.

experts say.

medium- and high-spending segments based on their monthly spending habits

But shoppers could be tapping their way to

Visa says contactless transactions

bigger monthly statements, some suggest.

represented 12.1 per cent of all store

prior to adoption.

purchases made by cardholders in June

“The lift was consistent across the three

Moneris Solutions Corp., the largest card

2014. That number was approaching

segments, regardless of their spend levels

payment processor in the country, says the

nearly a quarter of purchases on Visa cards

prior to adoption,” the study said.

dollar volume of “contactless” payments

in June 2015.

made across its terminals jumped 162 per

A recent study from the Bank of Canada

cent in the three months between July and

At MasterCard, which has been quicker to

found credit is rapidly overtaking the use of

the end of September, compared to the

roll out tap-enabled cards, 27 per cent of

cash in retail transactions: cash still

same three-month stretch a year ago.

in-store purchases were contactless as of

accounted for 44 per cent of transaction

September, a spokesperson said.

volumes in 2013, but that was down fully

Purchases at drug stores, gas stations and convenience stores were the chief drivers

More credit

of the spike, Moneris said.

Tap payments are designed for making

Canada’s two biggest card providers, Visa

“Increased use of credit cards, particularly

capped at $100, Visa says.

contactless credit cards, was a key factor in this development,” the central bank said.

contactless technology for the past several

But if shoppers aren’t careful, many small

years, but it now appears usage has hit a

purchases can add a lot more debt to a

“tipping point,” according to Michelle

monthly credit card statement.

Michalak, Visa Canada’s head of A 2012 study commissioned by MasterCard found that cardholders that “Our contactless cards have been issued

received tap-enabled cards spent almost

over the past 10 years but really have

30 per cent more than previously.

taken off at an accelerated pace in the last

transactions also fell.

small purchases more convenient, and are and MasterCard, have offered cards with

public affairs.

10 percentage points from 2009. Debit

LATEST GEN

AUTOMOTIVE INC.

Ragual / Nick Tel: (647) 802-6824

Address: 2655 Lawrence Ave, East Unit 10, Scarborough, ON M1P 2S3 E-mail: lgenauto@aol.com

Address: 30 Alden Road Unit 3 Markham ON L3R 2S1.

Website: www.gmistone.com Call: 647-469-5555

GMI STONE

Granite / Marble / Onyx

OUR MATERIAL IS THE BEST IN CLASS WITH SUPERIOR QUALITY. Now we are offering $2000 countertop package!!

Up to 45 Square Feet in Granite or Quartz Sink cutting is included Installation is included 4 edge profiles One week process Free removal

ABOUT US GMI Stone Inc. owns 7 quarries around the world and has open access to 45 quarries to provide unstoppable supply of most exotic colors of granite, marble and onyx. Experience the natural stones like never before.

World of imported natural stone...

Call us and experience the World of NARAT! Address: 250 Consumers Road, Suite 719, Toronto, ON M2J 4V6.

Tel: 1-877-By-NARAT (296-2728) Fax: (416) 850-6819 E-mail: inquiries@narat.org Web: www.narat.org

WAXING

LADIES ONLY

Knowing your business matters.

WAXING

FACIALS THREADING

Look to Federated Insurance for your business insurance needs.

FREE

EYEBROW 1ST TIME

Michael Tolfo 647.989.7430 michael.tolfo@federated.ca

Full Body Only $60 Done in 35 minutes Legs/Arms/Underarms Only $30 Done in 25 minutes Arms/Underarms/Brazilians Only $30 done in 20 minutes

www.federated.ca To Book an Appointment Please Contact: 3526-012 ed01E | 12-2015

Happy at (647) 763 - 9319 BRAMPTON

$1 discount per ride

GRAND OPENING IN

OSHAWA PACK GE

LUXURY OF A LIMOUSINE AT REGULAR TAXI RATES Address: 213-40 Wynford Drive, Toronto ON M3C 1J5 Tel: (416) 603 -1600 Fax: (416) 367-5666 Email: luxury@imperialtaxi.com Web: www.imperialtaxi.ca

Seniors discount available Gift certificate available Weekday classesstarting soon for both locations

GOLD | SILVER | BRONZE

After the success of Whitby, we opened a new location in Oshawa to serve you better. Special offers and discounts for new location for limited time offer: Group discount available for 2 or more student registration required at the office, not online.

C ONTACT

306 Dundas St. W. Unit 2 Whitby, Ontario L1N 2M5 444 Taunton Road East Oshawa, Ontario L1H 7K4 Tell: (416) 899-9134 / (905) 217-0522 Fax: (905) 999-8856 Email: accuratedrivingschool@gmail.com

www.accuratedrivingschool.ca

3480 McNicoll Ave, Toronto ON M1V 5A7.

Call For Free Estimates Mr. Kamal : (647) 895-3385

Fresh &

Delicious SHUTTERS DRAPERIES VERTICAL BLINDS HORIZONTAL BLINDS

BAR B Q TONITE PLATTER $40.99, LAHORI FISH $9.99 CHAPLI KABAB $8.99, KARAHI GHOST CHICKEN $9.99 CHARGHA F. $16.99 - H. $9.99, BIRYANI CHICKEN $8.99 Address: 35 Dundas St. West Mississauga, ON L5B 4M4 Tel: (905) 268-0088 Email: info@barbqtonite.com | Website: www.barbqtonite.com

ENRISE HEATING & AIR CONDITIONING

Call for an appointment today!

OUR SERVICES: OUR SERVICES Furnace Repairs Central Air Conditioning Repairs Furnace Replacement Installations Central Air Conditioning Replacement Installations Emergency Repair Service to All Makes and Models HumidiďŹ ers Air Cleaners Water Heater Repairs Water Heater Installations Annual Preventative Maintenance

45 Sophia Rd, Markham ON L3S 3Y5 (647) 287-7848 enrise@hotmail.ca www.enrise.org

PSW Chiropodist Acupuncture Physiotherapy Registered Massage Therapy

WE WELCOME: WSIB MVA Rehab Private Patients Extended Health Insurance Call: Kavitha 416-757-2220 / 647-780-2014 5-2085 Lawrence Ave E, Scarborough, ON M1R 2Z4 Website: www.stlukeswellnesscare.com

FOR BUYING, SELLING, LEASING, INVESTMENT IN ONTARIO, CANADA HOUSE, PRE-CONSTRUCTION CONDOS, GAS STATION, STORES, RESTAURANT - Free House Painting $2,000 on House Listing - Free House Evaluation and Inspection - Free Apple iPad Mini - Free Internet Listing

RECIEVE 25% OFF on showing this Ad

MBA, OCP Sales Representative 647-678-6032 zia_realtor@hotmail.com www.ziachoudhary.com

ZIA CHOUDHARY

Address: 4 Roper Rd. Scarborough ON, M1L 0G6 Phone: (416) 755 4247 E-mail: info@wardenwoodshair.com Website: www.wardenwoodshair.com

Not intended to solicit client under contract

FREE DELIVERY!

WITH MINIMUM $30+TAX WITHIN LIMITED AREA

Walk-in Specials Only MED. PIZZA CHEESE ONLY $5.95

LARGE PIZZA (3 TOPPING) 1 DIPPING SAUCE $10.95

X LARGE PIZZA (3 TOPPING) 1 DIPPING SAUCE 10 WINGS $20.95

BUSINESS HOURS: SUNDAY 12pm-10pm MON-THURS 11am-10pm | FRI-SAT 11am-11pm EASY PAYMENT 6001 14th Ave. Unit B6 Markham | s/w Corneo of markham/14th Ave. (905) 294-2121 | (905) 294-0505 www.meccapizzawings.com

MAKE A DIFFERENCE WITH MB ACCOUNTING Do you want any assistance with your personal corporate tax issue?

Our professional and experienced CPA & CA’s are available to cater to your accounting needs.

OUR SERVICES Bookkeeping

PTR Service

Accounting & Taxation

Audit & Assurance

Entrepreneur & Investment Consulting

To Provide You Maximum Refund Personal Tax Return as low as $20

Finance

All Government Remittances Filled

HST, WSIB & Payroll Deductions Guaranteed Tax Solution

Payroll Service

Financial Forecast & Budgeting Corporate Tax Return as low as $150

Address: 104-100 Dynamic Drive, Toronto, ON M1V 5C4 | Fax: (866) 204-6888 Email: info@mbaccounting.ca Website: www.mbaccounting.ca

MB ENTERPRISE IS LOOKING FOR

YOUNG ENERGETIC

SALES

REPRESENTATIVE FOR ADVERTISING OF MONTHLY BUSINESS MAGAZINE.

SKILL SET REQUIRED: Must be fluent in spoken english.

The Candidate Should Possess Extraordinary communication and Negotiation Skills.

Candidate Should Be Social and Well Aware of all Canadian Magazines and Newspapers.

Business To Business Customer Handling is Preferred.

Previous Experience in Media Marketing is Additional.

Contact: M.Naqvi. (416) 939-9378 | Email: career@mbeforyou.com | Web: www.mbeforyou.com

MB ENTERPRISE IS LOOKING FOR

ENERGETIC HA R D WORKI N G ACCO UN TAN T FOR OF F ICE ACCO UN TS W O R K

M.Naqvi. (416) 939-9378 career@mbeforyou.com www.mbeforyou.com

Preferred accounting background.

Book keeping experience is essential.

The candidate should be target oriented and willing to work under pressure.

GET YOUR CAR INSURED WHERE BENEFITS MEET REWARD

WITH OUR AUTHORIZED VENDOR

HUGE GROUP DISCOUNTS ON HOME AND AUTO INSURANCE (15-30%) $20 GET 1 AIR MILES 4 years Depreciation on write-off / Waive monthly financial charge ( 3% premiumfor paying on a monthly basis) Contact for MBBP: Karen: 1-800-521-7738 The Johnson Insurance Membership code is required for the member.

GAS STATION SAVINGS GET OUR PRIVILEGE CARD AND ENJOY THE BENEFITS

SAVING

3.5c/Litre

Our Fleet Booking Online

SUV SEDAN ACCESSIBLE

2570 MATHESON BLVD E, Suite 211, MISSISSAUGA ON L4W 4Z3, TORONTO, ON, CANADA PHONE: 1-855-661-1577 | EMAIL: info@pearsonvision.com | WEBSITE: www.pearsonvision.com

Alda Tours

Travels + Money Transfer + Cruises

Crystal pest Control INC

Low cost travel packages expert.

Address: 399 Markham Road, Suit# 1112 Scarborough, ON, M1J 3C9 | Tel: (416) 577-4491 Website: www.crystalpestcontrol.com

15% DISCOUNT FOR MBBP MEMBERS

DUMP IT BINS

ADD: 5000 Yonge St, Toronto, ON M2N, Canada TEL: 416-639-1933 | 647-490-2911 EMAIL: dumpitdisposalbins@gmail.com

MONEY TRANSFER | TRAVELS | CRUISES

Need help planning?

Call us at: 1 877 615 2898!

Jane and Finch Mall, 1911 Finch Ave W, North York, ON M3N 2V2 | www.flycentral.ca

BR

A

ON NDING BU LY NDLE FO R

$6

49

BRAND STRATEGY | LOGO DESIGN SOCIAL MEDIA | WEB DESIGN INCLUDED IN BUNDLE

WE CREATE & PLACE ADVERTISEMENTS WHERE IT WORKS BEST...!!!

Contact Us Tel: +1-866-667-1377 Website: www.mbeforyou.com

We live in an age of advertising where all brands, whether big or small, use a slogan to stand out.

An advertising slogan is like a brand belief that highlights the core essence of the brand.

MBE

Technical Support & Customer Service

inc.

YOUR SUCCESS IS OUR PASSION

MAKE YOUR BUSINESS LOOK MORE APPEALING! ADD AN ATM! WHY CHOOSE US?

WE OFFER TWO TYPES OF

ATM PLACEMENTS

INCREASE FOOT TRAFFIC

TO YOUR BUSINESS WHILE GENERATING AN EXTRA INCOME FLOW

RECEIVE UP TO

SURCHARGE REVENUE

100%

EARNINGS With both programs, you earn a percentage of the surcharge profits from the machine, which are paid to you on the 20th of every month.

FULL PLACEMENT

With this program, we take care of everything for you including cash management. You never have to worry about anything related to the ATM.

MOBILE ATM'S

PARTIAL PLACEMENT

Available for Mega Events

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

EARN EXTRA

With this program, all you do is keep the ATM machine supplied with cash. Any money that customers withdraw is automatically redeposited into your bank account every 24 hours.

Income with our self-serve cash load program.

BEST DEALS

BUNDLE OFFER ONLY FOR MBBP MEMBERS

16

For all kinds of business & residential clients

$4.99 NO CONTRACT

NO CONTRACT

$49.99

HOME PHONE

TELEVISION

INTERNET

5 calling feature on your demand - 300 North America long distance minutes

All top US and Canadian HD Channels

High speed, Unlimited Cap, Dedicated VIP connection

CELL, CABLE, INTERNET For More Information Contact Us: WHERE BENEFITS MEET REWARD

Address: 104-100 Dynamic Drive, Toronto, ON M1V 5C4 | Call: 1-855-669-6227 Fax: 1-866-204-6888 | Email: info@mbbpforyou.com

Greetings!

Mansoor Naqvi Team announces an exclusive Project "THE BENNETTE ON BAYVIEW" A boutique residence with a Bayview address surrounded by all the conveniences you will ever need. One of the prominent school in the Bayview area. Closer to the subway.

The Bennett on Bayview is a new condo development by First Avenue Properties and Latch Developments currently in preconstruction at 3237 Bayview Avenue, Toronto.

EXCLUSIVE VIP Broker Benefits

By Mansoor Naqvi Team $5000 discount in Purchase Price Extended deposit structure Only 5% in 2016 and 5% in 2017 (Book Only with 10% down in 180 days) 1 year FREE Maintenance Fees (Value $4,000) Free Assignment (Value $5000) $5,000 Discount on Parking Laminate Flooring in Bedrooms Developments Charges capped

Outstanding Building Amenities 24-hour Concierge and elegantly appointed lobby Guest suite Outdoor lounge complete with Outdoor dining and BBQs Outdoor fire pit area Gourmet kitchen and private dining room Entertaining lounge Yoga studio Gym and wellness studio 9ft ceilings

Mansoor Naqvi

Broker Royal LePage Exceptional Brokerage Independently owned & operated

MAHMOOD NAQVI SALES REPRESENTATIVE

SYED HASSAN BROKER

100 Dynamic Drive Unit 104, Scarborough, ON M1V 5C4

(647) 832-7265

(866) 204-6888

www.mansoornaqviteam.com

mansoor.naqvi@royallepage.com

MISSISSAUGA'S FIRST CHOICE For Reliable Travel Since 1974

Wheelchair Accessible

Airport Services

Parcels & Packages

Vehicles

We're equipped to get you and your

Use our sedans and minivans to

Our wheelchair accessible vehicles

luggage to any airport with fast,

are specially equipped to provide

reliable and affordable

safe wheelchair access at no

transportation, without having to

already on the road and can be

additional charge. Our drivers have

book days ahead. And if you're

quickly dispatched to your pick up

special training and are always

concerned about fitting your

point with very competitive rates.

available to help should additional

luggage, we'll dispatch a van to

assistance be required.

make you more comfortable.

deliver packages instantly, bypassing a courier warehouse and additional stops. Our cars are

Skip the middleman and ship in a Blue & White!

GENERAL INQUIRIES & BOOKING WEBSITE: www.blueandwhitetaxi.ca

AUTOMATED / OPERATOR: (605) 274-4444

TOLL FREE: 1-877-274-0470

EMAIL: sales@blueandwhitetaxi.ca

BUSINESS PARTNERS Elavon Inc., formerly NOVA, is a major processor of credit card transactions and a subsidiary of U.S. Bancorp.

Elan Financial Services, backed by the strength and integrity of U.S. Bank are a leading provider of reliable, flexible ATM and debit card programs.

Royal LePage is a Canadian real estate franchiser and owner-operator with more than 600 locations and over 15,000 Realtors in Canada.

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

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

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

ADDRESS: 104-100 Dynamic Drive, Toronto, ON M1V 5C4 TOLL FREE: 1-866-667-1377 | FAX: 1-866-204-6888 EMAIL: info@mbeforyou.com | WEB: www.mbeforyou.com

WHERE BENEFITS MEET REWARD

THE MEMBERS WILL RECEIVE $15 on 1 REFERRAL MEMBER WITH ADDITIONAL BONUS AMOUNT ON THE ACHIEVEMENT OF EXECUTIVE LEVELS Mr. A Signed 25 MBBP Members (15X25) Direct incentive = $375 Achieved Level 1 Additional Bonus = $500 Implemented one MBBP Service Additional Bonus = $500 1 MBE Service Ref. (POS) will get double bonus = $200 MBBP Will assign the position “MBBP UNIT OFFICER” Monthly residual will be approx. $3000 on 25 working members

MB SERVICES

POINT

POS

100 Points

ATM

100 Points

LOAN

2500 Points

Insurance

200 Points

Real Estate

750 Points

Personal Accounting

Free Personal Annual Tax Return

Credit Counselling

Free Initial Consultation

Renovation & Rebuilding

2000-5000 Points

Mortgage & Business

Free Consultation +2000-200 Points

WHERE BENEFITS MEET REWARD

MBBP Unit Officer $3,540

LEVEL01 Team Leader $7,080

LEVEL02 BDM Manager $14,000

LEVEL03 Unit Manager $28,000

LEVEL04 Area Manager $56,000

LEVEL05 Regional Manager $112,000

LEVEL06 Group General Manager $224,000

LEVEL07

WHERE BENEFITS MEET REWARD

ACCELERATE EXECUTIVE LEVELS

& EARN ADDITIONAL

FREE BONUS 1

15

15 X $1 = $15

$15 X 15 = $225

$500

$500

$2,300

1 POS + 1 R.E + 1 Ins

$1,150

$3,540

2

30

30 X $1 = $30

$15 X 30 = $450

$1,000

$1,000

$4,600

2 POS + 2 R.E + 2 Ins

$2,300

$7,080

3

50

50 X $1 = $50

$15 X 50 = $750

$2,000

$2,000

$9,200

4POS + 4 R.E + 4 Ins

$4,600

$14,000

4

100

100 X $1 = $100

$15 X 100 = $1,500

$4,000

$4,000

$18,400

8 POS + 8 R.E + 8 Ins

$9,200

$28,000

5

200

200 X $1 = $200

$15 X 200 = $3,000

$8,000

$8,000

$36,800

16 POS + 16 R.E + 16 Ins

$18,400

$56,000

6

400

400 X $1 = $400

$15 X 400 = $6,000

$16,000

$1,6000

$73,600

32 POS + 32 R.E + 32 Ins

$36,800

$1,12,000

7

800

800 X $1 = $800

$15 X 800 = $12,000

$32,000

$3,2000

$1,47,200

64 POS + 64 R.E + 64 Ins

$73,600

$2,24,000

ADDRESS: 104 - 100 Dynamic Drive, Toronto, ON M1V 5C4 TOLL FREE: 1-855 (NOW - MBBP) 669-6227 FAX: 1-866-204-6888 | EMAIL: info@mbbpforyou.com

TITLE

SAVE $5 ON EACH TICKET

DIRECTOR CAMERA

DATE

SCENE

TAKE

Ticket Will Never Expire, MBBP Members Can Use These Tickets All Over North America

JOIN MBBP & ENJOY THE BIG SCREEN

WITH YOUR FAMILY & FRIENDS

DISCOUNTED TICKET FOR MBBP MEMBERS. Address: 104-100 Dynamic Drive, Toronto, ON M1V 5C4 Tel: 1-855 (NOW-MBBP) 669-6227 | Fax: 1-866 204-6888 Email: info@mbbpforyou.com | Facebook: facebook.com/mbbployaltycard

Located in the heart of beautiful Toronto, Our party hall is the place where the atmosphere is happy and enjoyable. The area of the hall is 5000 square feet and can accommodate up to 350 people. Can host special events such as birthday, celebrations, baby shower, exhibitions, seminars, corporate events , religious ceremonies and weddings etc.

Our professional staff will ensure that your event runs as smoothly as possible.

Our hall is classy and elegant , parking being available and service being at its best. No event is too big or small for us and we are open to catering being brought in .

Our party hall is to bring everyone together for enjoyable times, no matter what type of event.

Address: 9 Milvan Dr, Toronto, ON M9L 1Y9 Phone: 416-902-5964

CONSTRUCTION SERVICES ARCHITECTURE, CONTRACTOR & DEVELOPER ARCHITECTURE ENGINEERING MASONRY

The MB Construction is an approach to home and community design that prioritizes how a person truly wants to live their lives day to day. We understand that your trust must be earned and will work to our best abilities to develop this relationship.

We at MB Construction will always listen to what our customers truly want and always use the best industry professionals to assist your construction.

Scan here for more information

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

This is how we're able to report that MB Construction is consistently ranked first in quality, value, and customer satisfaction.

CALL US NOW 1-866-667-1377

Grand Buffet

CONTACT: Address: 4141 Dixie Road Mississauga, ON L4W 1V5 Tel: (905) 212-1255 Email: info@continentalgrandbuffet.ca Web: www.continentalgrandbuffet.ca

TOUTED AS "BEST MULTI ETHNIC BUFFET IN TORONTO!!"

CORE

BUSINESSES

Contact Us for More Information: Address: 104-100 Dynamic Drive, Toronto, ON M1V 5C4 Tel: 1-866-677-1377 | Fax: 1-866-204-6888 E-mail: info@mbeforyou.com | Web: www.mbeforyou.com

Low Rent

Rental or lease to own

Excellent Rates

Excellent commission, Residual income

Debit & Credit Card Machines

More than 10,000 ATM Machines in North America

12 /17

Software Solutions

System Integration

Exciting Discount Offers

Payment Gateway

Career Building Opportunities

E-commerce Application

Entertainment & Cineplex Discount Coupons

Information Security Services

Accounting and Bookeeping Service

Providing Solutions To Your Financial Problems.

Life Insurance

Construction Services

Investments

Travel Insurance

Contractor

Non Medical Insurance

Developer

Drug & Dental Insurance

Exceptional Real Estate Services

Refinance

Brokerage Residential

Private Mortgage

Brokerage Commercial

Equity Take Out Business Loan

Marketing

Telesales

Printing

Telemarketing

Publishing

Call Centre Our goal is to assist you in maximizing your revenue

MERCHANT'S FIRST CHOICE FOR PAYMENT PROCESSING

MOBILE Take payments on the go with an intuitive mobile app that's compatible with most smartphones and tablets.

IN-STORE Accept payments in person with ease using your computer and a broad range of optional devices. like card reader and PIN pads.

E-COMMERCE

Tel: 1-855-669-6227 Fax: 1-866-204-6888 E-mail: info@greatpos.ca Web: www.greatpos.ca

Manage your e-commerce business along with all of your other payment transactions in one, secure place

BACK OFFICE MAIL & PHONE Process your mail and phone payments online. Great POS is ideal for recurring and instalment payment too.

WE ALWAYS PROTECT CLIENT'S INTERESTS! NEED LEGAL ASSISTANCE? Inhaam Law Office is a multi-discipline law practice firm providing legal representation in Real Estate Law, Family Law, Immigration, Wills & Estates, Small Claims Court and Personal Injury.

OUR SERVICES: WILLS ESTATES IMMIGRATION ACCIDENT CASES

SMALL CLAIMS REAL ESTATE FAMILY LAW CRIMINAL CASES

ADDRESS: 10 MILNER BUSINESS COURT, 3RD FLOOR, TORONTO, ON. M1B3C6 | TEL: (647) 427-2406 FAX: (416) 583-5205 | EMAIL: INFO@INHAAMLAW.COM | WEB: WWW.INHAAMLAW.COM

Free evaluation of your insurance policy RESP for your children without any EXCLUSIVE obligation 1000 MBBP Point OFFER (On any qualified purchase)

FOR MBBP MEMBERS

GET THE PERFECT INSURANCE POLICY

Drug & Dental Insurance

CUSTOMIZED ACCORDING

Critical Illness Disability Insurance Visitor / Super Visa / Travel Insurance RESP (Registered Education

TO YOUR NEED. GET OBLIGATION FREE

Saving Program)

LIFE INSURANCE

RRSP (Registered Retirement

QUOTE TODAY.

Saving Program)

AFFILIATED WITH

104-100 Dynamic Drive, Toronto, ON M1V 5C4

Investments

Tel: 1-866-667-1377 Fax: 1-866-204-6888 Toll Free: 1-647-832-7265

Non-Medical Insurance

Life Insurance

Email: info@mbeforyou.com Web: www.mbeforyou.com

MBE

inc.

YOUR SUCCESS IS OUR PASSION

WHAT WE OFFER

TRAINING & FEEDBACK SALARY (PLUS COMMISSION)

MBE IS LOOKING FOR SALES EXECUTIVES WITH EXPERIENCE IN THE ELECTRONIC PAYMENT INDUSTRY, FINANCIAL SERVICES FOR (ATM/POS).

CANDIDATE SHOULD BE FAMILIAR WITH POS/ATM BUSINESS, ESPECIALLY B2B CUSTOMER HANDLING (MARKET / SALES), THE CANDIDATE SHOULD BE TARGET ORIENTED AND WILLING TO

WITH THE FOLLOWING SKILLS:

WORK UNDER PRESSURE

Comprehensive knowledge of payment industry web Should have 2-3 years experience in Sales & Marketing Financial Services Proficient in Using MS Office Candidate should be fluent in English Negotiate deadlines, budget and work plan with clients in order to complete the work in a timely and cost effective manner Manage and provide content for collateral (Brochures), tear sheets, power points and other pieces as directed Coordinates approvals Candidate should be familiar with POS/ATM Business, especially B2B customer handling Candidate should be target oriented and willing to work under pressure

MBE

inc.

YOUR SUCCESS IS OUR PASSION

Tel: (866) 667-1377 | (866) 204-6883 Email: info@mbeforyou.com | Web: www.mbeforyou.com

FOR ALL BUSINESS INQUIRIES

1-866-667-1377 info@mbeforyou.com www.mbeforyou.com

OUR SERVICES: ATM Solutions Card Solutions Mobile Solutions Account Processing Internet Banking Solutions Automated Clearing House Rewards & Loyalty Solutions

IMAGINATIVE SOLUTIONS THAT REINVENT BUSINESS

Payment Network & Switches Business Intelligence Solutions Information Management Systems Credit & Debit Processing Solutions Electronic Billing & Payment Solutions

ABOUT US MB Global is a software house and IT firm that specializes in providing financial technology solutions to enterprises and firms worldwide. We serve more than 10,000 clients worldwide with the vision of becoming the largest provider of information technology services to the financial industry.

OUR SERVICES

New Immigrant?

5% Down?

Good or Bad Credit - No Problem!

Free Consultation 1st & 2nd Mortgages Self Employed Debt Consolidation Bank Says No? We Say YES!

Need A Mortgage?

Commercial

residential

STOP PAYING SOMEONE ELSE MORTGAGE WHEN YOU CAN OWN A HOUSE!

LET’S HELP YOU MAKE IT HAPPEN! Don’t Delay & Call Today Contact: Usman Farooq BA (Hons), CAAMP Mortgage Consultant Associate Of Amit Puri: 1200048 & Get A Better Mortgage LIC 10874 Call For Professional Mortgage Advice | Direct: (416) 844-9192 Email: mortgage@mbeforyou.com | Web: www.mbeforyou.com

LEGAL SERVICES PROVIDER, COMPLETE GUIDANCE FOR IMMIGRATION TO CANADA LIVE | WORK | STUDY | IMMIGRATION

Contact Us: Address: 4953 Dundas Street West, Suite 106 Toronto, ON M9A 1B6 Tel: (416) 234-0514 Email: alinaqvi@rogers.com Website: naqvislaw.com/immigration_to_canada.asp

OLUBUNMI OGUNNIYI LL.B (Hons), B.L, LL.M, BARRISTER, SOLICTOR & NOTARY PUBLIC

OLUBUNMI OGUNNIYI,

LIVE WORK STUDY

Barrister & Solicitor, 2680 Matheson Boulevard East, Suite 102, Mississauga, ON L4W 0A5

FORECLOSURES, PURCHASE & SALE, CIVIL LITIGATION Have You Missed a Mortgage Payment?

Or Have You Received a letter from Your Bank?

We Stand Up for the Home Owner!

OUR SERVICES:

Address: 97 black forest drive, Brampton, ON L6R 2E6 Tel: 1-877-201-3476 | Fax: 1-877-201-3476 E-mail: olu@ogunniyilawoffices.com Web: www.ogunniyilawoffices.com

Wills Affidavits Family Law Corporate Immigration Real Estate Commercial Civil Litigation Power Of Attorney

Your First Choice For PAYMENT PROCESSING

VX810 (IP+ Dial UP) Global / CT Pay

EXCELLENT RATES ON DEBIT & CREDIT CARD MACHINES

SWITCH YOUR DEBIT & CREDIT PROCESSING

Get up to 20% Discount or get $300 rebate

ICT 220 Processor: ELAVON

INTERCHANGE RATE Pax S90 (GPRS Support by Tellus / Rogers) 3G Processor: CT Pay

Available in Canada

SPECIAL OFFER IWL 250 Wireless Processor: Elavon & Global.

As low as $12.99 Rental Debit 0.05 cents Visa & Master card as low as1.59% Non Qualified as low as 0.30%

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

SIMPLIFYING REAL ESTATE

TRANSACTIONS THROUGH TECHNOLOGY & EXPERIENCE Our Services Real Estate

Purchase

Transactions

Refinance Sale

Contact Us:

Line of Credit

2nd Mortgage

Adderess: 250 Consumers Road, Suite 410, North York, ON M2J 4V6 Call: (416) 497-6060 | Fax: (416) 497-6060 | Email: info@realinklaw.com

WHERE BENEFITS

WHERE BENEFITS MEET REWARD

MEET REWARDS

20%OFF

SPECIAL OFFER For MBBP Members

www.mbbpforyou.com

Discount on all products and safety plans

@mbbp_pk

/mbbployaltycard

104-100 Dynamic Drive, Toronto, ON M1V 5C4 | Tel: 1-855-669-6227 | Fax: 1-866-204-6888 | Email: info@mbbpforyou.com

WHERE BENEFITS MEET REWARD

where benefits meet rEWARDS

Address: 104-100 Dynamic Drive Toronto ON M1V 5C4 | Tel: 1-855-NOW-MBBP (669-6227) Fax: 1-866-204-6888 | Email: info@mbbpforyou.com | web: www.mbbpforyou.com

Welcome Unfathomed benefits maximum Discounts

ers

T

15- SAVE 30%

GAS DISCOUNTS c/lit

OUN

CK

3.5

TI

DISC

ET

from our vendors

MAKE A CAREER WITH MBBP MBBP membership is powered by MBBP Canada Inc. MBBP provides its members with a variety of benefits with an irresistible value proposition. MBBP provides a platform for its members to enjoy discounted products and services.

Address: 104-100 Dynamic Drive Toronto ON M1V 5C4 | Tel: 1-855-NOW-MBBP (669-6227) Fax: 1-866-204-6888 | Email: info@mbbpforyou.com | web: www.mbbpforyou.com

HOUSE OF COMMONS CHAMBRE DES COMMUNES CANADA

SHAUN CHEN Member of Parliment / Député Scarborough North / Scarborough-Nord

Working hard to serve you Scarborough North Constituency Office: 4386 Sheppard Ave East, Unit C Scarborough, Ontario M1S 1T8 Tel: 416-321-CHEN (2436) Email: Shaun.Chen.C1@parl.gc.ca www.shaunchen.com

BENEFITS

104-100 Dynamic Drive, Toronto, ON M1V 5C4 1-855-(NOW-MBBP) 669-6227 1-866-204-6888 info@mbbpforyou.com www.mbbpforyou.com

WHERE BENEFITS MEET REWARDS

CINEPLEX TICKETS How to Apply: 1. Become MBBP and get your login ID and Password.

2. Visit our website: www.mbbpforyou.com/MemberLogin.aspx with your login and password.

SAVE $5 ON EACH TICKET MBBP MEMBERS CAN USE THESE TICKETS ALL OVER NORTH AMERICA TICKET WILL NEVER EXPIRE

3. Order Cineplex Tickets online.

4. You will get the tickets via mail within next 48 hours.

0 6

e P t th all s.

BB ge on ine M e andp to dic omber t u me c n Be em ou and m isc gs d ru D

%

DRUG BENEFITS How to Apply: 1. Become MBBP member.

2. Call us on (1-855-669-6227) and request for Drug Benefits.

3. We will send you trillium form to sign.

4. Send the signed form back to us.

5. After submission to Trillium you will get the Trillium Card in next 45 days.

GAS DISCOUNT How to Apply: 1. Become MBBP member.

2. Visit our website : www.mbbpforyou.com/MemberLogin.aspx with your login and password.

3.5c SAVE per liter

BEING AN MBBP MEMBER GET A

GUARANTEED DISCOUNT

3. Click on GAS DISCOUNT button.

4. Fill the online form with your details 5. You will get the Gas Discount card in next 48 hours.

CAR INSURANCE BEING AN MBBP MEMBER

CONTACT US TO GET

15-30%

ON AUTO INSURANCE.

How to Apply: 1. Become MBBP member.

2. Visit our website www.mbbpforyou.com/MemberLogin.aspx with your login and password to get the secret code from there.

3. Call at 1.800.563.0677 then provide the secret CODE.

www.mbbpforyou.com

1-855-669-6227

/mbbployaltycard

HOME INSURANCE How to Apply: 1. Become MBBP and get your login ID and Password.

2. Visit our website: www.mbbpforyou.com/MemberLogin.aspx with your login and password. And to get the secret code from there.

30% Discount being an MBBP member, Contact us to get on HOME Insurance.

3. Call at 1.800.563.0677 then provide the secret CODE.

FREE PERSONAL TAX RETURN Become MBBP Member & Let Our Accounting Team File Your

PTR FOR FREE.

How to Apply: 1. Become MBBP member.

2. Send the Email to info@mbaccounting.com & enclose all the related documents including: You T4, T4A AND T5, Copy of Family’s last year’s NOA, Copy of one year brief Income, Information required if you have any kind of student loan or Rental income.

3. Our accounting team will file your PTR for free.

RELIANCE HOME COMFORT How to Apply: 1. Become MBBP member.

2. Call on 1-888-837-1451 and tell that you are MBBP member. You can avail the discount on all the products.

3.5c SAVE

20%

BEING AN MBBP MBBP members will receive an average discount on Reliance Product and services. MEMBER GET A DISCOUNT GUARANTEED DISCOUNT per liter

3. Get 20% discount on all reliance products.

MBBP MEMBER CAN ENJOY UP TO 15% DISCOUNT FROM 6300 HOTELS WORLDWIDE. CONTACT US FOR FURTHER DETAILS.

CHOICE HOTELS INTERNATIONAL How to Apply: 1. Become MBBP member.

2. Visit on the RMA website link for Choice Hotels. www.rmacanada.com/programs.html 3. Then click on Choice hotels website and select your Hotel.

www.mbbpforyou.com

1-855-669-6227

/mbbployaltycard

BUSINESS INSURANCE How to Apply: 1. Become MBBP member.

2. Call on 1.855.616.6262. And refer that you are RMA member linked with MBBP. 3. Or you provide your details to us we will arrange a meeting at your place with the Rep from Federated Insurance.

Being an MBBP member contact us to get 30% discount on Business Insurance.

POS DEAL

10% GET

DISCOUNT

How to Apply: 1. Become MBBP member 2. Call on 1-866-667-1377 3. Refer that you are MBBP member.

4. You will be given forms to sign up.

5. Enjoy 10% discount on POS deal.

ACCOUNTING SERVICES How to Apply: 1. Become MBBP member 2. Call on 1-866-667-1377 3. Refer that you are MBBP member.

And tell which service you want.

SAVE

20% Services

on Accounting

4. You will be given forms to sign up.

5. Enjoy 20% discount on all accounting service deal.

MB BUSINESS MAGAZINE ADVERTISE YOUR BUSINESS IN MB BUSINESS MAGAZINE WITH

30% DISCOUNT

How to Apply: 1. Become MBBP member 2. Call on 1-866-667-1377 3. Refer that you are MBBP member.

4. You will be given forms to sign up.

5. Provide your business Specifications for magazine ad.

www.mbbpforyou.com

1-855-669-6227

/mbbployaltycard

ATM DEAL How to Apply: 1. Become MBBP member 2. Call on 1-866-667-1377 3. Refer that you are MBBP member.

4. Apply for ATM installation on your location.

5. We will install ATM machine at your place for free.

LIFE INSURANCE SPECIAL CLIENT

EXCLUSIVE DISCOUNT

How to Apply: 1. Become MBBP member 2. Call on 647-832-7265.

3. Refer that you are MBBP member.

4. You will be served as a special client and exclusive discount will be given.

ROYAL LEPAGE How to Apply: 1. Become MBBP member 2. Call on (416) 939-9378 3. Refer that you are MBBP member.

4. You will be served as a special client and exclusive property will be referred to you with 20% below the market Value.

SAVE

20% Services

on Real Estate

For More Details Contact Us. 104-100 Dynamic Drive, Toronto, ON M1V 5C4 Toll free: 1-855-(NOW-MBBP) 669-6227 Fax: 1-866-204-6888 Email: info@mbbpforyou.com

www.mbbpforyou.com

1-855-669-6227

/mbbployaltycard

Helping you is what we do.

EXCEPTIONAL REAL ESTATE SERVICES BROKERAGE INDEPENDENTLY OWNED & OPERATED

*Some Conditions Apply

OUR LISTING PACKAGE INCLUDES FREE*: Home Staging

Open Houses

Professional Photography Of House

Coloured Property Feature Sheet

Pre-listing Home Inspection Report

Advertisement In Our Monthly Magazine

Home Evaluation

Comparative Home Analysis Virtual Tour

Lawyer Fees

MAHMOOD NAQVI SALES REPRESENTATIVE

GULZAR KHAN

SALES REPRESENTATIVE

104-100 Dynamic Drive, Toronto, ON M1V 5C4 200 Consumers Road, Suite 100, Toronto, ON M2j 4R4

SYED HASSAN BROKER

SYED BAQAR KAZEMI

SALES REPRESENTATIVE

(416) 939-9378 (416) 497-5949 www.mansoornaqviteam.com