Entrepreneur, educator and philanthropist
Muraly Srinarayanathas believes in making meaningful connections
Developing financial literacy as a newcomer for future success
TOP 25 CANADIAN IMMIGRANT AWARDS NOMINATIONS NOW OPEN
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Sicilian-born Roberto Marotta showcases flavours of his homeland
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Volume 20 Issue 1, 2023
4 FUSION PROFILE: Rosie Smith makes a difference in the community
HUMOUR BY HEMETERIO
NEWS: Nominations are now open for the 15th annual Top 25 Canadian Immigrant Awards, Canada welcomes historic number of newcomers in 2022
8 COVER STORY
Game changer: Entrepreneur, educator and philanthropist Muraly Srinarayanathas believes in building meaningful connections to create a better world
12 FEATURE
Money Smart: Developing financial literacy as a newcomer for future success
15 CAREERS AND EDUCATION
HIGHER LEARNING: Money management for students
CAREER COACH: Power up your career in 2023
19 SETTLEMENT IMMIGRATION LAW: Significant Benefit Work Permits PARENTING: Recycling tips for the family
21 LIVING
WELLNESS: Caring for a child with special needs
24 PROFILE
Adventures of an Italian-Canadian chef: Sicilianborn Roberto Marotta showcases flavours of his homeland
26 MONEY AND BUSINESS
ENTREPRENEURSHIP: Canadian entrepreneurs impacted by slowdown in growth
TIPS FOR SETTLING IN FASTER: Earn your black belt in money management
28 MOTIVATION
Winning advice: Top 25 Canadian Immigrants of 2022 share words of wisdom and inspirational tips
The program can be taken in class or online over a two-year period and is accredited by the Canadian College of Health Information Management
The program is eligible for federal and provincial student funding programs.
Graduates can choose to write the Certified in Health Information Management examination Successful candidates are awarded the CHIM designation.
Certified Health Information Professionals are at the forefront of protecting and handling patient data of all kinds, including diagnoses, symptoms, test results, medical histories, and procedures They ensure that the information is accurate, accessible, secure, and of high quality.
More and more healthcare organizations are moving to a digital environment, resulting in a great demand for Certified Health Information Professionals
Anyone with an interest in the management and distribution of health information is most welcome to apply.
For more information or to apply online, visit www.ashtoncollege.ca
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Originally from Jamaica, Rosie Smith relocated to Canada in 2008. Since then, she has been working with Epilepsy Toronto, a nonprofit organization offering support services to those living with epilepsy, as the director of adult services. She is also the community epilepsy liaison for Toronto Western Hospital and Neurology Centre of Toronto, and a hub member of Epilepsy ECHO. A registered psychotherapist, Smith has a master’s degree in counselling psychology.
When she is not working, Smith volunteers with the compassion and community outreach ministry of her local church. She also enjoys baking and travelling.
Many people ask if I came to Canada seeking a better life and are surprised when I tell them I actually had a pretty good life back in my home country. My sister and brother lived here for many years, and I have always visited. After my husband passed away and I felt I had somewhat ‘peaked’ in my career, I felt I needed a change of scenery, so I chose Canada.
Over the past 15 years, Toronto has certainly changed. It has definitely become more diverse, and I no longer stick out like a sore thumb every time I attend a conference or a meeting because I am the only person of colour there. I also came in the middle of the 2008 economic recession so things were difficult, and I must admit at times I considered moving back home.
And I think many changes have been made to make the transition to life in Canada easier for immigrants such as implementation of bridging programs for various internationally trained professionals; offering credit cards for new immigrants to build their credit history; more immigrant and refugee services to assist with system navigation and so on.
What were a couple of challenges you faced then and how did you overcome them?
Employment: Having had my qualifications and work experience put through such intense scrutiny prior to getting here, I believed it would be easy to get a job. Imagine my shock when I learned there was a thing called “Canadian experience” and that I needed to apply for entry-level jobs in order to gain this experience. Having left Jamaica where I had a managerial position, it was not easy to go to job fairs where the only positions available were in factories and assembly lines.
Transportation: I came to Canada with an excellent
driving record. Another shocker was learning that it didn't matter. Unless you came from the USA, you were considered a new driver which means going back to driving school, getting a G1 license and paying an exorbitant insurance rate. By the time I started working, I became an expert in navigating buses, subways and GO Trains. Needless to say, getting lost became a fun experience.
Housing: After staying with family for a few months, it was time to find a place of my own. But you needed credit history and references from past landlords (never rented before). No one wanted to give you a credit card because you had no credit history in the country, and you cannot have a credit history without being able to access credit. That has changed now, thankfully. Perseverance, confidence, self-advocacy and being open to new experiences and not being afraid to try, helped me overcome some of these challenges.
I currently work at Epilepsy Toronto, developing and implementing programs for adults living with epilepsy and seizure disorders, providing therapy, facilitating support and treatment groups, educating those newly diagnosed with epilepsy as well as advocating on behalf of my clients.
Epilepsy is a neurological disease characterized by recurrent seizures. Being told you are diagnosed with this condition is difficult to say the least. Having seizures can put one at risk for mood disorders such as anxiety and depression. Sometimes clients have challenges adjusting to the many changes to their lives (employment, relationships, independence). Through my work at Epilepsy Toronto, I have the privilege of supporting clients from diagnosis to a point where they can live well with their diagnosis.
What do you find most fulfilling about your work?
I have always known that my calling was helping people, which is what led me into nursing then social work. I believe I was put on this earth to make a difference in people’s lives, especially those who are needy, struggling or bombarded by the challenges of life.
Making a difference in the community
I am at my best when I am helping or empowering others. I recall when I first saw the job posting for Epilepsy Toronto and thought “that is me.” In — counselling, educating, empowering through self-management and seeing people go
Do not allow your fears and inhibitions to stop you from accessing the care you need. There are many community agencies that are there to help you navigate what is a difficult health care and social welfare system – seek them out. Use your networks and do your research until you find what you need. Don’t be afraid to advocate for yourself; to speak up and be seen. As an immigrant, you are not just here because you need something from Canada; you bring a lot of international experience that
is the leader in sharing inspiring stories of immigrants and recognizing their contributions to their adopted country. Today, with rising immigration numbers, it’s as important as ever to combat negative stereotypes and spotlight how immigrants overcome systemic barriers to achieve personal success, give back to Canada and serve as role models for newcomers. This year’s program is also supported by COSTI Immigrant Services, and Windmill Microlending.
Immigrants who have been honoured with this prestigious national award in past years include national men’s soccer head coach, John Herdman; chief statistician of Canada, Anil Arora; celebrity restaurateur, Vikram Vij; prima ballerina, Chan Hon Goh; as well as many unsung heroes who have demonstrated incredible contributions in their communities and for the country.
home,” says Ari Hagnas, Western Union general manager for Canada.
A nominee can be anyone who has immigrated to Canada and has since contributed to the success and uplifting of this country and/or its people. Achievements can be either professional or personal. Nominees must be aged 15 or older, hold permanent resident or citizen status in Canada, and reside in Canada.
The first and only national awards program celebrating immigrant success turns 15 this year. With the support of presenting sponsor Western Union, we are proud to open the call for nominations for the 2023 annual Top 25 Canadian Immigrant Awards.
The Top 25 Canadian Immigrant Awards
“We are honoured once again to sponsor and recognize these awards for the second year, as well as the hard work and sacrifices made by the new members of our community that are creating stronger bonds with citizens throughout the world, while contributing to the overall economic growth and well-being here at
Nominations can be made online at canadianimmigrant.ca/top25 until March 10, 2023, 11:59 p.m. EST. A distinguished panel of judges made up of past winners will review all nominees and present a list of 75 finalists who will be announced in April, after which all Canadians can vote for their favourite nominees. The 25 winners will be announced in August 2023 in Canadian Immigrant and online at canadianimmigrant.ca. Two of the winners will be selected for the Entrepreneur Award and Youth Award.
Go to www.canadianimmigrant.ca/top25 to nominate an immigrant or refugee who has an inspirational success story to share.
The Canadian government has announced meeting its target of 431,645 new permanent residents in 2022. In 2021, Canada welcomed over 401,000 permanent residents, the highest number of newcomers in any year in Canadian history, surpassing the previous record from 1913!
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In 2022, Immigration, Refugees and Citizenship Canada (IRCC) processed approximately 5.2 million applications for permanent residence, temporary residence and citizenship — double the number of applications processed in 2021.
Immigration Minister Sean Fraser calls this an “important milestone” for the country. “Newcomers play an essential role in filling labour shortages, bringing new perspectives and talents to our communities, and enriching our society as a whole. I am excited to see what the future holds and look forward to another historic year in 2023 as we continue to welcome newcomers.”
As Canada focuses on addressing the acute labour market shortages and building a strong economy, one thing remains certain: immigration is a key part of the solution. To ensure efficient processing of applications, IRCC has added resources, embraced new technology, streamlined processing and brought more processes online.
Roughly 75 per cent of Canada’s population growth comes from immigration, mostly in the economic category. By 2036, immigrants are expected to represent up to 30 per cent of Canada’s population, a 10 per cent increase from 2011.
Immigrants account for 36 per cent of physicians, 33 per cent of business owners with paid staff, and 41 per cent of engineers in the country.
In November 2022, Minister Fraser tabled Canada’s 2022 Annual Report to Parliament on Immigration along with plans for 2023-2025. The report generated considerable media attention because the government announced that its target for 2025 is to admit 500,000 new permanent residents.
The College of Immigration and Citizenship Consultants licenses Regulated Canadian Immigration Consultants (RCICs) and Regulated International Student Immigration Advisors (RISIAs).
Regardless of your circumstances or the reason for your application to immigrate to Canada, use a licenced immigration consultant to protect your journey.
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Grade 5 newcomer Muraly Srinarayanathas is wonderstruck as he wanders alone through the schoolyard after a blizzard. It's 1987 and he's in Winnipeg; he's never seen so much snow in his life. He hasn’t made any friends here yet, but his imagination consoles him with a vision — a snow fort, crystalline towers twinkling in the cold sun. He begins to roll a snowball, when a younger girl approaches him.
“What are you doing?” she asks.
“Building a fort,” he answers. “Why don’t you help me?”
Before long, 20 children from different grades and backgrounds are erecting the ice castle, with Srinarayanathas leading the operation.
Later, one of them is distraught when older kids demolish their creation. “Don’t worry, we’re going to build it again,” says its architect.
This story captures the essence of who he is, says Srinarayanathas, who has made a career out of bridging differences and unifying work crews. The wins or the losses don’t matter, says the successful serial entrepreneur. “For me, the ultimate goal is that we come together as a team,” he says, “and create beautiful things together.”
By age seven, Srinarayanathas had a lifetime’s experience in adapting to multiple cultures. Born in the U.K. to parents not quite ready for his arrival, Srinarayanathas was sent at age one to live with his grandparents in Sri Lanka, and then at age six to his aunt and uncle in Canada, and, afterwards, his parents took him with them to India where his father ran a film business. At age seven, the family moved to Winnipeg to reunite
with their relatives there.
Srinarayanathas learned about philanthropy from all these journeys. His father, a businessman, taught him the value of principles as well as profits. His grandfather stamped out corruption in his Sri Lankan cottage industries. His aunt, the CEO of CancerCare Manitoba, publicized her phone number so patients could reach her. “Service is a core value of … my family,” he says.
But the relatively worldly young boy struggled to belong in his new home in Winnipeg. Even his clothing was different. When tube socks were all the rage, Srinarayanathas’ mother dressed him in more formal dress socks. “Silly things like that wouldn’t allow me to fit in,” says Srinarayanathas. Racial slurs – like the “n-word,” didn’t help. “It hurt,” says Srinarayanathas, “I’m not gonna lie.” But, ironically, his lack of affiliation with any one group allowed the student to hop from one to another, finding commonalities amongst the athletes, the goths and the chess players.
But just as he was finding his footing in his new home, his father, who was working in Bangladesh, suffered a heart attack and Srinarayanathas moved there after his university graduation to help him run a string of businesses. Initially he felt adrift. He had no friends, no one with whom he could even speak English. “It was extremely lonely,” he says. “I cried every night.”
But it eventually dawned on him that his solitude sprang out of his own rejection of the locals. Fearful of losing his grip on his identity, Srinarayanathas had closed himself off from his new environment. With
Entrepreneur, educator and philanthropist Muraly Srinarayanathas believes in building meaningful connections to create a better world
“It is always about relationships at the end of the day,” says Srinarayanathas.
that realization, Srinarayanathas became determined to embrace the unfamiliar cultures and citizens he encountered throughout his South Asian sojourns. “That changed the game for me.”
This new attitude of inclusiveness also translated into financial gain. Clicking with potential clients was key to winning sales. “It is always about relationships at the end of the day,” he says.
This psychological orientation would enrich his life after he returned to Canada at age 33. Computek, a college for mature immigrants, was the first business he acquired. The school, which focusses on business, health care and technology, offers a holistic approach to learning, charging international students the same reasonable rates as domestic students. It also helps them with employment, offering networking opportunities and tutorials in interviewing led by artificial intelligence avatars. “There’s multiple touch points and confidence you need to build,” says Srinarayanathas, “to remind them how powerful they are.”
As Computek thrived, Srinarayanathas invested in a slew of other businesses promoting diversity and inclusiveness, grouping them under the umbrella of 369 Global Inc. The business conglomerate includes entities involved in education and training, financial services, creative industries, philanthropy and more. One of these, a film company called Station 369, produced a feature film last year, This Place, about a romance between two second-generation immigrant women. For Srinarayanathas, one of the executive producers, and one of its cast, the project epitomized 369 Global Inc.’s commitment to celebrating those who dwell outside the norm. The experience was “very emotional,” he says.
But his most meaningful initiative is the Srinarayanathas Foundation. The charity supports organizations focused on improving outcomes for underrepresented communities at home and abroad, investing in health care, education, civic engagement and the creative arts. “This is my passion,” says Srinarayanathas, who launched it in January 2022.
One of his most satisfying contributions has been establishing the Tamil Community Centre, the first in the Greater Toronto Area (GTA). Hospitals have also been significant beneficiaries. Last year, Srinarayanathas ran the Toronto Waterfront Marathon to raise money and awareness for four community hospitals, including Markham Stouffville Hospital, where his wife, Darya Yermak, works as an internist. His family cheered him on from the sidelines, his two children carrying a sign saying “Appa [father], you’re my hero.”
With the Srinarayanathas Foundation, his life has come full circle. Back when he was that little boy building a snow fort, he remembers the financial struggles faced by his family, eating the same meals of rice and lentils for dinner every night. Srinarayanathas was lucky to land a bursary to attend St. Paul’s, a prestigious Winnipeg high school. Recently, he contributed to the same bursary, helping another young student.
This duty to serve is his most important legacy for his children. Contributing isn’t about building a structure or a statue, he says. It’s how you touch someone’s life. “No one’s going to cheer you on for that,” says Srinarayanathas, but “you have [taken] one small step into creating a better world.”
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Canada’s ultimate career fair and speakers’ series for skilled immigrants, temporary workers, international students and all other newcomers is BACK!
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When Marcela Mendez arrived in Canada three years ago from Colombia, she had some savings to help her along. But she soon got a shock. “All the money I had saved up was in pesos, so once it was converted to Canadian dollars, it was practically nothing,” she recalls.
“One of the most critical points – which has always been critical, but particularly more so now because of the rising cost of living – is the conversion of currency,” points out Samina Sami, CEO of COSTI Immigrant Services. It’s a challenge for new Canadians like Mendez, accustomed to dealing with a currency whose value is wholly different from that of their new home.
Deciding to make the journey to Canada takes courage, determination and a solid grasp of money management. It’s a fact that settlement agencies are keenly aware of. They offer several one-on-one and group orientation
sessions to clients in areas including banking, taxes and budgeting.
“Financial literacy is integrated in many of our programs,” says Sami. “It’s even more crucial now if families and individuals are not budgeting with the cost of living and with inflation in mind – or perhaps don’t know how to do it. We have to give them those tools so they can successfully settle in Canada.”
“It can be a rollercoaster,” Mendez notes, in reference to the many financial learning curves immigrants and refugees face.
Although moving to Toronto has had its share of challenges, the 38-year-old is eager to continue building her future here. A lover of the arts and writing, Mendez participated in the Toronto workshop of The Shoe Project, a collaborative effort where newcomer women, inspired by a pair of shoes, create and perform a story about their journey. Mendez enjoyed the experience so much that she remains involved with the organization and is now the local above
Marcela Mendezcoordinator of the Brampton workshop. She also works as a full-time business administrator.
And just recently, she launched a freelance photography business, turning her hobby into a viable form of revenue.
“It was always my dream,” she says. “But I also needed a way to make extra income. It’s very challenging these days because life in Canada, especially in Toronto, is becoming more expensive.”
There are also a lot of taxes for newcomers to contend with, points out Margarita Cardona, the community settlement manager at HMC Connections, a nonprofit providing settlement services in the region of Halton in Ontario. “I always tell clients that what they see on the price sticker at the store is not the true price; in Ontario, 13 per cent HST is added.”
It’s a lot to process for immigrants and refugees, especially considering there are exemptions to the HST in Ontario, including basic groceries, and some goods and services only have a five per cent federal tax. And sales taxes also vary across provinces and territories. Cardona says that’s why it’s crucial for newcomers to learn as much as they can about how sales taxes in Canada affect their expenses, which in turn will impact their ability to save.
Newcomers should also be aware that tax deductions take a bite out of earnings. It’s something Mendez discovered when she landed a job. Her initial excitement was tempered when she received her first paycheque. “I thought, ‘My God, what happened? Maybe they made a mistake.’”
It’s a scenario Cardona has witnessed many times at HMC Connections. “Newcomers don’t realize there are deductions for income tax, as well as contributions to Canada’s Employment Insurance program (EI) and the Canada Pension Plan (CPP).”
And while taxes are a fact of life newcomers have no control over, they can take control of their credit history.
“Get a credit card, but use it wisely by keeping an eye on your expenses,” says Cardona. “Make sure you only use it for small purchases that you can pay off when you get your monthly statement – not for expensive items you can’t afford.”
All of this will go a long way to securing financial stability, she explains. “Because you’ll need a good credit score in order to make bigger and more expensive purchases down the road.”
Fazal Amiri, a native of Afghanistan who recently celebrated one year in Canada, is well-
versed in the importance of credit history. “A friend of mine who came from Egypt didn’t realise how important it is to have good credit if you want to buy a car or get a mortgage. I told him what I learned.” It’s one of the many financial literacy topics the 39-year-old discovered through the Immigrant Services Society of BC (ISSofBC), which has been supporting newcomers building their lives in British Columbia for over 50 years.
Amiri and Mendez say that opening a bank account was one of the first things they did when they came to Canada. The good news is that all major Canadian banks offer various incentives for those making a new start, such as chequing accounts that waive monthly fees or don’t require minimum balance requirements, and some banks even offer a cash bonus for opening a chequing account.
A tool Amiri finds particularly useful is online banking. “It made it easier to keep track of everything,” he notes. “I also learned how to try to save money so I can put it toward my children’s future.”
Amiri is grateful to ISSofBC for the knowledge he’s gained, which makes it easier for him to navigate money management in Canada.
And he’s paying it forward in his own way. He’s always been involved in the humanitarian sector – in Kabul, he served as Oxfam’s senior program manager. Now, in his adopted province of British Columbia, he continues helping others as a case management support specialist at an employment service agency.
Regardless of the hardships involved in making the transition as a newcomer, Amiri is committed to becoming financially resilient.
“I try to work hard and manage my finances,” he says. “I have to keep moving forward.”
Managing money as a student can be challenging. There are multiple ways to navigate the costs that come with a post-secondary program. Students can work, cut back on their expenses and/or find creative ways to save money. Here are 10 tried and tested strategies.
1. Explore financial assistance options at school. One student who could have used more money decided to put in extra time and effort into his academic work to be considered for merit scholarships. He had lots of confidence in his abilities and worked very hard. While it is an excellent idea to explore financial assistance options such as scholarships, bursaries, grants and loans through your school and other sources, you may have to look for other ways to fund your education.
2. Seek out high-paying summer jobs. For decades now, students have found highpaying summer work by planting trees. It can be difficult work, especially in the beginning, but it can also get you into good physical shape. You may also save more since the living conditions are such that you won’t be tempted to spend money. Some students who find work in highend restaurants could make good money in tips. The summer is also the time when many people take a vacation, which creates opportunities for temporary workers in areas including administration, hotels, camps, the entertainment industry and construction work.
3. Find ways to increase your study time. Other strategies students have used to increase their income during the academic year include working near home or campus to minimize time lost in commuting and finding work that allows for studying while working, such as a night desk clerk in a slow-paced environment.
4. Make the most of what you have. Some students who are
partly through a program such as nursing may find careerrelated work, such as an orderly in a hospital or nursing home or a care worker in a private home. Students with good grades and talents also make use of their abilities as tutors, translators, performers, movers etc., or their cars to offer transportation services. Another common way of making money is to sell what you no longer use or need, but may be of value to others, such as books, clothing, jewelry, sports equipment, comics, musical instruments, etc.
5. Keep track of your expenses. Students are encouraged to make a budget so they will not spend more than they earn. Unplanned expenses can include a daily fancy coffee, going out frequently with friends, unplanned meals, impulsive shopping or frequent treats after a difficult or successful day. The best way to know what your money weaknesses are is to keep track of your expenses for a few weeks and then devise a way around them.
6. Allocate funds. One experienced and well-organized student had different envelopes with funds allocated for rent,
food, transportation and entertainment. When the envelope was empty, she knew she was finished with spending for that item for the month.
7. Set limits on spending. Another student has found a way to set limits on his expense at his favourite coffee shop. At the beginning of each month, he buys himself an e-gift card based on how much he can afford. Once the gift card is out of funds, he does without it until the end of the month. Tracking his spending has been an eyeopener in terms of how quickly these small daily purchases can add up.
8. Watch your credit card use. Always pay off your credit card bill in full and don’t use credit for things you cannot afford. The interest rates are extraordinarily high and can become very difficult to pay off. Credit cards can give you the illusion that you have lots of money, but it is easy to drown in debt if you only make the minimum monthly payment.
9. Find low-cost entertainment. Evenings out with friends, especially if they involve food and alcohol, can quickly become expensive. Look for low-cost or free entertainment such as summer outdoor festivals or free nights at your local museum or art gallery. Your school probably has a gym, so why pay for a gym membership? We all need rewards. Know which free or low-cost rewards will sustain you.
10. Compare prices. Be careful about where you shop for food, clothing and other items. Prices vary significantly from one store to another, and this can really add up. Some students buy clothing and household items at thrift shops. It is also a great way to reuse items that would otherwise go to a landfill.
There is enough to think about when you are a student with assignments and exams; manage your finances and you will lessen one worry.
Geneviève Beaupré and Susan Qadeer have extensive experience working in university and college settings, providing career, academic and personal counselling to international and immigrant students.
Anew year, a new you! So, what’s in store for you in the workplace in 2023? Remember, things are a little different now.
The modern work environment is constantly evolving and, beyond the pandemic, being influenced by other factors like economic changes, technological developments, automation and globalization.
As the world around us is changing at lightning speed, your only competitive advantage is to adapt faster. Every skill you acquire doubles your rate of success. As you make a fresh start and head into 2023, here are six ways to rise to the occasion and adapt to the latest trends impacting the workplace.
Two years after the pandemic, many people have now settled into hybrid or fully remote work arrangements. Mostly hybrid, a combination of virtual and in-person work, is defining the workplaces of the future.
There are definite advantages of working hybrid – both for businesses
and employees.
When implemented correctly, it offers a cost-saving benefit to companies as they can rent out office space (and some have even given up their leases). Plus, employees can be more productive without the challenges of travel time, and thanks to technology, companies can diversify the workforce by hiring globally. The development of advanced communication software makes it easy to operate from any corner of the world and join virtual meetings anywhere.
However, note that some companies are asking their staff to come in on a regular basis, so it’s a good idea to be flexible. Of course, positions that did not go remote during the pandemic will still remain on site. In 2023, you can expect more workplace flexibility and with that, enhanced mobility for opportunity and growth.
Our top tip:
You don’t need to be a tech wizard, but it helps to know the basics of how to troubleshoot minor technical issues if you run into Wi-Fi or computer
problems. It’s a good idea to invest in good speakers, a web camera and a backup portable hotspot.
The jobs of 2023 and beyond will demand both analytical and social skills. Traditionally, our school systems had focused on hard skills. But as automation continues to transform the workforce, the demand for soft skills is also rising significantly. And even the most sophisticated AI can’t replicate most soft skills.
Thus, people with a good combination of hard and soft skills will be highly valued. Top soft skills include emotional intelligence, critical thinking and problem solving, which lead to enhanced workplace communication, opportunities for improved teamwork and a highly productive workforce. Many employers and hiring managers agree that soft skills will be crucial to recruiting and HR in the coming months. Interview questions can also place more importance on assessing a candidate’s soft skills. Be prepared if you are job hunting this season!
Our top tip:
Life is constantly sharing lessons, so be open to feedback. Be proactive and grab every opportunity to volunteer. The more you step out, offer to help the team and interact with others, the more you get to communicate and sharpen your skills.
Two years after the pandemic, independent work is quickly evolving thanks to the support of digital technologies – leading to alternative work setups and the gig economy. There is an increasing prevalence of short-term contracts or freelance work as opposed to permanent jobs.
For companies, easy access to both full-time and gig workers helps them adapt to economic instability and boost their teams when they need to. Thanks to the rise of technology, the typical workforce of the past is also undergoing changes. The same thing is making work more flexible and bringing people together, even if they’re located in different time zones and even continents. This is precisely what has enabled the rise of the gig economy.
Thus, this has increased freelancers in every industry, independent contractors, temporary staff, on-call staff and consultants, requiring them to find innovative ways to embrace the gig economy.
New technologies like collaboration apps, and benefits to employers such as lower expenditures, and limited liabilities have also contributed to this trend. Digital freelance marketplaces, such as Upwork and Fiverr, are connecting on-demand freelancers with work opportunities – leading to an increased contract or freelance assignments.
Our top tip:
Create and maintain a routine just like you would do at a regular 9 to 5 job. Ramp up your social contacts and extend your support network of clients and other gig professionals. Constantly set new goals, add new clients and focus on your career growth just like you would do at a regular job.
In the last two years, technological advancements have transformed the very fabric of work and the global economy. Today, the impact of the digital evolution continues to permeate nearly all businesses. This means significant changes and an increased need for candidates with technical skills. Opportunities have increased for those workers who can provide services such as data analytics, coding and technology support.
In addition, everyone, from executive assistants to utility workers, is now required to have some knowledge of computer apps to perform their jobs.
Of course, you may not need to know how to code or use AI, but virtually almost all workers need to know about the Microsoft Office suite products like Word and Excel, and be comfortable with virtual collaboration platforms like Teams.
Our top tip:
Dedicate time each week to boost your knowledge of digital platforms for continued collaboration in the workplace. In addition, for those exploring digital career opportunities, you can improve upon your knowledge using virtual learning platforms like Coursera and FutureLearn, or sign up for inperson continuing education courses.
Gen Z, also known as zoomers, refers to those born between 1997 and 2010. While they have been marking their entry for a few years now, they will continue to enter the workforce in more numbers in 2023 and beyond. And organizations that welcome zoomers for the first time are learning to adjust to their expectations. This means, what worked with the boomers, millennials and gen Xers may not work with the zoomers. Gen Z has higher expectations for the workplace and place much more value on growth opportunities, workplace culture and diversity and inclusion. Zoomers are also digital natives who like to work in a workplace where they can be equal contributors and active change agents, in an atmosphere of collaboration and mutual respect.
In addition, now that every business has a strong presence on various social media, zoomers will be employed to leverage digital marketing to engage with customers, build their brands, increase sales and drive traffic to their website.
Our top tip:
Zoomers are highly responsive, sociable and prefer transparency and frequent feedback. If you are one of them or work with them, it’s important to inculcate a culture of clear and effective communications, a sense of community and opportunities to collaborate and grow.
Upskilling simply means improving your existing skills to upgrade your career. Upskilling and reskilling play a vital role in growth and are important for you to stay competitive in the industry.
Today, companies are directing their focus to allocate funds for dedicated employee training to add value through upskilling. If you have access to these opportunities, definitely go for upskilling. At the same time, learning new skills on your own is also recommended. What’s more, today, you can also learn anything in a budget-friendly, cost-effective, and convenient manner, depending on your resources and the time on hand.
Remember, upskilling is an investment in yourself, not an expense. At every level, you need to upskill as job responsibilities that require these skills are gradually increasing. In addition to investing in specialized training, your upskilling initiatives may include taking on new assignments, attending workshops and conferences, working with a mentor and more.
Our top tip:
First, identify the areas you need to upskill to stay competitive and ahead in your area of expertise. You can then consider many venues including Massive Open Online Courses (MOOCs). Anyone can enroll for these free and flexible online platforms, learn new skills and advance their careers.
Murali Murthy is an acclaimed public speaker, life coach and best-selling author of The ACE Principle, The ACE Awakening, The ACE Abundance and You Are HIRED!. He is also chairperson of CAMP Networking Canada. Learn how he can help unlock your magic at unleashyourwow.com.
A two-day online event exploring the issues, challenges, and desires in Newcomer, Indigenous and non-Indigenous cultures
Featured guests include
January 25-26, 2023
threadsconversa�ons.ca
SPONSORED BY
Mayann Francis
On December 15, 2022, Immigration, Refugees and Citizenship Canada (IRCC) updated its Labour Market Impact Assessment (LMIA) exemption codes. An LMIA is an opinion from Service Canada that the entry of a foreign worker will have a positive or neutral impact on the Canadian labour market. To obtain a positive LMIA, employers must generally recruit for four weeks on prescribed websites, invite potentially qualified Canadians to apply, pay prevailing wage and demonstrate other labour market benefits. The process is often difficult.
Because of this, and other reasons, Canadian immigration legislation allows IRCC to issue work permits in certain circumstances without employers needing to obtain LMIAs. These are known as LMIA exemptions.
For the most part, the changes from December 15, 2022, involve renumbering some of the LMIA exemptions and splitting previous exemptions into several categories. Future changes are expected. There were, however, important changes to the LMIA exemptions for provincial nominees in business programs and other entrepreneurs. These changes involve the introduction of “significant benefit” tests.
IRCC has always had an LMIA exemption for individuals whose work in Canada would generate significant economic, social or cultural benefits.
Generally, economic benefits are benefits that would contribute to a company’s growth, expansion or continuation that have fiscal benefits and allow for the
competitive advantage of Canada’s business community. Social benefits are where someone’s work will provide significant external benefits to other third parties not directly involved in business transactions. Culture is defined as creative artistic activities and the goods and services produced by it.
Significant includes, but is not limited to, an assessment of how the work of a foreign national will provide general economic support for Canada, advancement of Canadian industry, increased health and well-being or increased tolerance or opportunities to come together with others of similar culture.
The IRCC website provides examples of all of the above. It cautions that visa officers should be reluctant to issue work permits under the category, but also notes that where an LMIA is not available, and the balance of practical considerations indicates that the work of a foreign national would be of significant benefit to Canada, economically, socially or culturally, then a work permit can be issued without the LMIA.
Prior to December 15, 2022, prospective provincial nominees who were issued work permit support
letters by a provincial government to be entrepreneurs in a province did not need to also demonstrate that their work in Canada would generate a significant economic, social or cultural benefit.
This is no longer the case. Now, under a new LMIA Exemption Code C-60, entrepreneurs applying for work permits under provincial nominee programs will generally need to demonstrate that their proposed work will provide general economic stimulus or the advancement of Canadian industry. They will also need to provide business plans which show that they have the experience to manage the business, the language abilities needed to operate the business and that their work will be of significant benefit. Provincial letters of support may be indicative, but IRCC will now it seems, essentially be reassessing provincial nomination applications.
The consequence of this change is significant and could potentially reduce the attractiveness and predictability of provincial nominee entrepreneur programs. The change is recent and has not been widely publicized. Those considering applying to provincial entrepreneur programs, as well as those who may represent them, need to understand the new LMIA Exemption Code C-60.
There is no time like today to start recycling, to help improve the environment for future generations. Recycling can reduce pollution and landfill waste, and help with protecting our natural resources, ecosystem and wildlife. Here are some recycling tips.
Teach children the importance of reducing waste. Get your children involved so that they will grow up to be environmentally conscious. With careful planning and organizing, everyone in family can play an important role in recycling. Designate a recycling area with clear labels and containers at your home. Based on the age of children, assign them different recycling tasks, such as sorting the recyclables or putting the recyclables to the curb.
Know your city and housing
recycling and garbage disposal bylaws. Failure to abide by bylaws may result in fines. Check out your local recycling and waste management websites and apps that can provide residents with the schedule, service alerts and reminders. Some websites even have apps and programs for young children to learn about recycling.
Consider putting a composter and rain barrel in your backyard to help with your gardening. Donate healthy plants and harvest from your garden with others. When out in nature, teach your children to put garbage in the designated garbage or recycle bins. If there is no place to discard garbage or recyclable materials, take them with you to dispose later, to avoid littering in nature.
Consider selling or donating usable household materials to
local consignment stores, thrift stores or give them to friends and families. Find ways to fix or reuse items, such as upcycling and repurposing things or reusing items for craft projects or donating extra craft and supplies to local schools and charities. Check websites where you can give away or sell items online.
When shopping, make conscious decisions to buy products made with recycled materials, and/or less packaging. To reduce your carbon footprint, make an extra effort to buy local and buy less. Use reusable containers instead of disposable bags or juice bottles for children’s lunch. Bring your own reusable shopping
bags when shopping and your own containers for food takeout.
Recycling as a family does require extra time and effort to start, but the impact and benefits are well worth the effort. Commit to making recycling part of your family routine, and teach your children to make the planet a greener and better place for future generations to come.
Learning that your child is born with a chronic illness or has special needs can be devastating for all families. But it can be isolating and extremely challenging for newcomer families as they navigate an unfamiliar health-care system, without their traditional sources of community support.
The terminology, diagnosis, treatment options, hospital visits and assessment or therapy appointments can be overwhelming in a new country. Language and cultural barriers may also lead to helplessness and lack of trust in health professionals. Remember, you are not alone and can find the support you need.
To navigate this situation in a new country and manage your family’s well-being, here are a few strategies that can be helpful.
1 Register for early intervention services. Canada offers a lot of services to children with disabilities and supports for the families. Programs offered by early intervention services in your region can help in providing necessary support and services.
2 Research and collect information. Educating oneself and reading books or articles written by professionals and other parents can help you learn and manage the everyday challenges
you experience with your child. Talk to a specialist with an interpreter if you have language barriers or need support during the meeting. Asking questions and understanding the condition will help you support your child effectively at home.
3 Contact settlement services for newcomers. Sharing the diagnosis with a settlement worker can help you connect and develop a family settlement plan by assessing your family’s needs, strengths, resources and supports. Newcomer child care programs can support a kid with special needs while you are enrolled in language classes or undergoing any trainings.
4 Enroll in parenting skills classes. Enhance your parenting skills and learn how to manage difficult situations that you may encounter while caring for a child with special needs. You can also learn how to keep your child safe both at home and also outside. Many nonprofits and government agencies offer these programs.
5 Register for respite care services. Caring for a child with special needs can be stressful and exhausting. If you qualify for respite care (keep in mind, some providers have age requirements), you may get short-term, temporary relief. Respite care workers may visit you at home
or take a child to a park and give you the much-needed break and support you need.
6 Share your emotions. Caring for a child with special needs can be physically and emotionally draining. Do not bottle up your emotions. Share with a parent or friend in your home country, join a support group or you could even seek support from a mental health professional.
7 Accept help when it is offered. If your spouse or a neighbour offers to help with cooking, cleaning, chores or taking turns playing with the child, be open to considering the help offered as it may give you time to do something different.
8 Support your marital relationship. Caregiving responsibilities may not always be equally shared, especially if one partner must work to provide for the family and the other partner is home to take care of your child with special needs. In this situation, it is important that partners listen and support one another to strengthen the marital relationship. Settlement stress coupled with caregiving responsibilities can contribute to relationship breakdown in
newcomer families.
9 Avail disability benefits. Both federal and provincial governments offer disability benefits for caring for a child with special needs and provide financial support. You can find information on the government’s website, or you can ask a professional or a tax consultant for more details.
10 Connect with yourself. If you are religious or spiritual, prayers may help you cope with the situation. For others, it could be taking a walk, meditation, painting or listening to music.
Research indicates that even if two children have the same diagnosis or disability profile, there will be individual differences in the symptoms, in their progress and in health outcomes. Similarly, each family has its own unique strengths, resources and skills in managing a child with special needs. Maintaining realistic expectations, accessing support and being open to learning are beneficial in raising a child with special needs.
Be a strong advocate for your child and support them to develop skills, become independent and participate fully in society.
For Chef Roberto Marotta, it was love at first sight. His now wife and business partner Jacqueline Nicosia was visiting family in Sicily when they met, and he decided to follow his heart and dive into a new culture.
But Nicosia was from Toronto and decided she wanted to move back to where she grew up and invited her Sicilian fiancé to return home with her. Marotta had never thought of immigrating to Canada but was willing to dive into a new culture and a new life.
“I’ve always been very adventurous in my career. You never know in life until you try, and I was in love, so it made it easy,” he says.
He was met with 9 cm of snow on the ground and -10 C weather. “It was interesting,” says Marotta. “I got the feeling it would be a challenge to adjust.”
Back home in Italy, Marotta ran a successful restaurant on the water in Milazzo in Sicily called ‘Mood’ that specialized in the region’s cuisine. He wanted to continue to share his love for his country’s food and culture in his new home, Toronto. But he was now starting from scratch and was going to have to learn everything about the produce, meats and seafood available here. Knowing he had to get some boots on the ground to figure out how the restaurant scene worked, Marotta began working for a few restaurants.
The most interesting thing to Marotta was the very different and very short seasons in Toronto. For fresh fruits and vegetables, the season goes from beginning of June to the end of September, a much more concentrated
growing season than what Marotta was used to in Italy.
Aside from the seasonality of fresh foods here, Marotta was struck by how different the restaurant supply chain is from what he was used to in Italy. While running his restaurant in Sicily, Marotta knew local fisherman personally and would meet them at the boat daily. “The fisherman, the farmer, they became your friend.” In Toronto, the supply chain requires a lot more logistics management to ensure high-quality ingredients. You cannot simply walk down to the dock to get fresh fish. Instead, seafood is flown overnight from all over the world. This global way of supplying the restaurant was new to Marotta, who was used to having direct personal contact with product suppliers.
Marotta took on a few partnership ventures that ultimately failed. “Some people promised me a partnership, developing the concept, designing the menu. Three times it [failed] before I finally decided I can’t do this for other people,” says Marotta. His wife quit her job and the two decided to open their own restaurant, one that would allow Marotta to showcase the flavours of his homeland, Sicily.
“My son was three years old. We’d just bought a house. It was a risky time, but I think it was the right thing to do,” he says.
Ardo, named after Marotta’s son, Leonardo, who couldn’t quite pronounce his full name as a toddler and called himself “Ardo”, opened in 2016. The restaurant is located in the King Street area of Toronto, close to the St. Lawrence Market.
When Marotta struggled to find some of the quality ingredients he used
back home, he and his wife launched Vivi Imports, named after their daughter Vivienne, to bring fine ingredients from Sicily to Canada. These authentic Sicilian products, such as olive oils, sauces and chocolates, are not only used in their restaurants, but are sold in fine foods stores across the GTA.
Marotta has even found a way to recreate the structure of relationships he had with suppliers back home. “I now have direct contact with a fisherman in Newfoundland. He has three or four boats. He’ll call me and say this is what we caught. It will be in Toronto in the next 48 hours.” Marotta also has a Portuguese supplier who he sources seafood from. “It flies overnight,” he says.
The public response to Ardo’s opening has been positive since day one. “A lot of my customers have travelled a couple of times a year to Italy. They have a sense of what elevated Italian cuisine can be.”
Marotta says he is often greeted by customers who are delighted to return to Toronto and seeing something that has the level of quality of what they had in Italy. Ardo was even named one of Toronto Life’s favourite Italian restaurants.
After the success of Ardo, Marotta decided to open a second restaurant, called Dova. Located in Cabbagetown, Toronto, the restaurant opened in August 2020.
Although Marotta has been no stranger to roadblocks including COVID delaying his second restaurant’s opening, failed partnership ventures and navigating a new work culture, he attributes his success to his perseverance.
“When you immigrate, when you move from another place, it’s going to be a challenge. Everything is going to be new and different. You have to have an open mind,” he says.
When you immigrate, when you move from another place, it’s going to be a challenge. Everything is going to be new and different. You have to have an open mind.”
Most Canadian small- and mid-sized enterprises (SMEs) expect an economic downturn in the coming year, according to BDC’s study, “Canadian Entrepreneurs’ Needs and Challenges: 2023 Outlook.”
The study reveals that SMEs are rather pessimistic about the current inflationary environment: most companies (52 per cent) believe that the worst is yet to come. They continue to feel the effects of persistent inflation, supply problems and the war in Ukraine. The slowdown in growth has impacted their planning, and 31 per cent are unprepared for it.
• More than half (52 per cent)
of business owners believe the economy will deteriorate in 2023.
• Most businesses plan to limit investments due to economic uncertainty (26 per cent), interest rate hikes (22 per cent) and declining sales (18 per cent).
• Despite rate increases, 45 per cent of SMEs do not fear for their profitability and estimate their sales will be similar to what they were last year (42 per cent). Three-quarters are comfortable with their current level of debt.
The next few months will be difficult for entrepreneurs in Canada, who cite rising costs (47
per cent), the economic slowdown (40 per cent) and internal cost control as the main obstacles to their activities. Over the next 12 months, SMEs still plan to invest and prioritize operational efficiency (38 per cent) over growth projects and debt repayment.
“In 2023, investing to be more efficient will be a way for many businesses to limit their decrease in profitability under current economic conditions,” says Pierre Cléroux, vice president, research and chief economist at BDC.
In 2022, the Bank adopted a renewed strategic vision with an intention to fulfill its role as a development bank even more ambitiously over the next
few years, including as a shock absorber during economic downturns. As a result, BDC is creating a series of concrete and innovative measures that will expand the scope of its activities and use its solid financial footing to support more entrepreneurs in their development and growth.
BDC’s study was conducted in November 2022 among 1,500 Canadian small business owners to find out their level of confidence in the economy, their business prospects and their investment plans for the next 12 months.
Jean Philippe Nadeau is a media specialist with BDC. Visit bdc.ca to learn more.
Imagine you want to get a black belt in martial arts. You start from the basics — the white belt, and as you get to the black belt level, you put together what you have learned. As a lifetime martial arts student, who is also a financial planner and an immigrant, here are some tips to take proper steps in the right direction.
White belt: This is where you need to learn the fundamentals, know where you are standing financially and where you like to go. What are your financial goals and concerns? Not everyone will have the same workout and diet plan. You will train differently for martial arts, compared to someone who works out for fun. Same goes for personal finances; there is no cookie cutter plan for everyone. General advice such as saving certain percentages for retirement is pretty much useless.
Yellow belt: This is where you need to organize your income and expenses. Even the most sophisticated financial plan will fail if you don’t know where the money goes. You need to track expenses and allocate a budget for your discretionary expenses. Your spending habits need to
match your income. Think of it as cardiovascular ability. Even if you have all the skills as a martial artist, if you lack stamina and endurance, you will not win your match.
Orange belt: There are different types of debt, and it is difficult to avoid some of them, including mortgage, specially if you live in one of the major cities with high real estate prices. This is why it is important to go step by step, just like you can’t skip a belt in martial arts. If you take control of your cash flow and expenses as a yellow belt, you will not accrue consumer debt in the first place. Even mortgage, although obtained as an asset, can be harmful in some cases.
Blue belt: An important but often neglected area in financial planning is risk management. I compare it with defense in martial arts. Most people like to learn flashy techniques and spectacular kicks, but not many focus on defense. You need a back-up plan if you get ill, become disabled or if your spouse passes away prematurely. Get familiar with different types of life, disability and critical illness insurance.
Green belt: This is probably the
most exciting part of a financial plan. Who does not like to know how to grow their investment? This is what people signed up for when they enrolled in the martial arts class. This is where people talk about all the flashy kicks and jumping and flying techniques. Investment is a very broad term and not only are some investments unsuitable, but are also harmful for some people. Your time horizon and risk tolerance determine the type of investment suitable for you. Don’t fall into traps. If it is too good to be true, it probably is.
Brown belt: You have heard about how romantic and peaceful retirement is in Canada, right? After all, you want to retire like a grandmaster! Nobody can work forever, and we are all living longer. I hate to burst your bubble, but if you don’t plan ahead, the supposed golden years will be spent in hardship. People overstate what they will receive as government pensions and, unfortunately, sometimes they figure it out when it is too late. It is essential to know what you will get from different sources as pension, and have a plan
Black belt: Black belt is the white belt who never quit. It is now time to create a financial plan to put all you have learned together. You need a simple and practical plan with details of how much to save for retirement, when you will be debt free and what coverage you need for a back-up plan. I can’t emphasize enough that there is no cookie cutter plan. Your current financial situation, your life, priorities and personality are different from others. Your financial plan should be different too.
Keep in mind that sticking to a budget and financial plan is like sticking to a diet and exercise regimen. Everybody keeps motivated and maintains discipline in a different way. Consistency is the key to success; however, there could be setbacks and that is okay. Just don’t let the old negative patterns become the new norm again.
Go to work warriors, and never hesitate to ask for help!
A martial arts expert and financial planner shares tips for steps in the right direction
Entrepreneur and business strategist
“Purpose” is such a small word but carries a heavy meaning. Looking at everything I do through that lens has allowed me to guide how I live my life as a woman, an entrepreneur and a human being. Asking: Am I doing this with purpose? Am I moving with purpose? Am I eating with purpose? Am I living with purpose? If I’m not — then I course-correct. If I am, then I do more of that. Taking time to slow down to ask these questions can be transformative.
City: Ottawa, Ontario Country of origin: Mexico
Rita Chahal Executive director, Mood Disorders Association of WinnipegThe last few years have made us all realize how precious each moment is in our lives. If the pandemic has taught us anything it is to start having the candid conversations about our physical and, more importantly, our emotional wellbeing. While we all "pivoted" during the pandemic I believe it's now time to "pirouette”. Don't be afraid to ask for help if you need it –our vulnerability is often our greatest strength, and there is no shame in that!
City: Winnipeg, Manitoba Country of origin: India
Stay pragmatic and positive! I am 72 years young, and proudly can attest that I have never wasted a day brooding. Of course we grieve over losses of jobs, relations, family, friends and even friendships. A vision and mission have always been my foundation base since I was a young girl. I have chosen humanitarianism, even in my work, as my compass, using a framework of serving the most vulnerable populations in Canada and beyond.
City: Toronto, Ontario Country of origin: India
Top 25 Canadian Immigrants from 2022 share their thoughts, perspectives and some inspirational advice as we take on 2023!Tracy Folorunsho-Barry Founder and CEO, GROW Women Leaders
Setting the bar high is important for GROW, so that we can support and encourage women, particularly immigrants, in order to reach their highest potential in their careers. It is important for me to forward this initiative because I know that immigrant women face immense isolation and struggles while trying to discover and establish themselves and career in a new country. The only way to quickly bridge the gap of inequalities is a well-calculated measure to get women working and creating a one-stop supported space with resources.
City: Edmonton, Alberta Country of origin: Nigeria
Raquel Fox Chef
A simple act of kindness goes a long way. Every award, accolade and career goals that I’ve achieved stemmed from the root of helping and supporting others. I’m a believer in: “Whatever you send into the universe comes back.” My advice to newcomers is to ask yourself, “how can I contribute my skills or talent to Canada’s landscape?” Begin within your community by contributing with an attitude of gratitude, networking and being prepared whenever opportunities come your way.
City: Toronto, Ontario Country of origin: Bahamas
Physician and assistant professor at University of Toronto
As a newcomer, always remember that you are unique. Make use of every opportunity to integrate yourself into the Canadian culture; that will open up many doors personally and professionally. Self-confidence and perseverance are key to success. Don’t let others write your story. Trust yourself and continue to “better your best” in your new home.
City: Toronto, Ontario Country of origin: Sri Lanka
Ruairi Spillane Managing director,Moving2Canada.com/Outpost
RecruitmentEmbrace the fact that a global recession, or slowdown, is happening in 2023. Having worked through the global financial crisis in 2008 as a newcomer to Canada, I know firsthand how stressful navigating a new country in a volatile market can be. What I’ve learned is that when the employment market is more competitive, it’s a good time to focus on communicating your value to employers. Spending your energy on what you can control is key to making the most of your Canadian journey.
City: Vancouver, British Columbia Country of origin: Ireland
