ISSUE 19 | MAY 2016
MAKE YOUR DESTINATION ST. JOHN’S , YOU’LL BE GLAD YOU DID.
Profile
Shaun Chen How To Create A Business Vancouver Property Assessments Growth Foundations for Canada
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EDITOR'S NOTE Dear Readers, Pilgrims have a favorite part of the Easter story. You’d think it might be the arrival at the tomb by the women or by the two disciples; tombs have historically been the endpoint of religious pilgrimages. But for most pilgrims, it’s later on Easter Sunday, with two obscure disciples walking away from Jerusalem for an unnamed reason. The resurrected Christ appears, but they don’t recognize him. It’s only after their encounter, as Jesus vanishes, that they start to understand Easter. It’s only after their journey that they recognized its significance: “Were not our hearts burning within us,” they asked each other, “while he talked with us on the road?” We got an incredible response from our readers with our last edition. The readers gave positive responses on the articles Create Success, Auto Show and You Can Never Succeed. They also appreciated the redesigned layout and the new ideas. We also received overwhelming feedback regarding last issue’s cover. In May, we are thrilled to have Sissi Wang back in our pages with another article Four ways to make tax time less painful for small business. It’s not an Easter article per se, but it reminded me of that Emmaus journey, mixing pain, joy, and hope. Our Facebook group is going well so far. Thanks to everyone who has joined in already. We ran into some spam issues with Facebook, so if you didn’t get an invitation yet, please email us at mbe-marketing@mbeforyou.com or call us at 1-866-667-1377. We’re truly eager to share awe and wonder with you more often than once every month! Sincerely, Editor In Chief, Aurora Zabala.
Publisher MB Enterprises Editor-in-chief Aurora Zabala Senior Editor Peter Z. Vaisey Managing Editors Steve Montgomery Design Cynthia Tolson A. Khan Z. Zaidi Production, Technology & Print Simon Wilson R.J Advertising S. Hassan Shoeib Kamal Administration Alamdaar Hussein Erum Asghar R. Adil HOW TO REACH US
CONTENTS
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05
How to Create a Business
17
Four ways to make tax time...
06
Teamwork and Success
20
World Interest Rates
07
Small Business
22
Ernie Hudson
08
Vancouver Property
27
Movies
Five anticipated movies of the summer
MB Business Magazine is a monthly issue business magazine published by MB Enterprises Ontario, Canada.
28
Men Get Naughty
Printed by Vision Printers
29
Quit Your Job And Travel
30
Depression
Contents © Copyrights 2016 by MB Enterprises, may not be reprinted without written permission.
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Classified
10 12 15 16
Punctuality, Relationships, Planning, Execution, Results. Group Effort Is More Effective Than Individual Effort At the mercy of political red tapes.
Assessments go through the roof
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That add value to your business.
Life Market
Solid growth foundations for Canada.
Profile
Shaun Chen - MP Liberal Party.
Why St. John's
Being the most easterly point in North America.
Dont't leave tax planning to the last minute
Central banks tend to rise rates when the economy is growing Ghostbusters, The Crow, Hollywood and humanity
At the age of 40 - Be Careful!
Why i don't tell people
What causes depression
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How to create a
BUSINESS
Courtesy: MANSOOR NAQVI President MB Enterprises
The meaning of a Business is to make
create strong bonds with your colleagues
When you sit in the car you map out a
space in the premises and to save and
at work. If your colleagues do not trust you
direction and use this to reach from point A
create revenue. Is there anyone that is
and do not respect you then you will never
to point B. Every single person has the
thinking about why you have not achieved
be able to achieve anything with them.
ability to achieve what they set out to as
your goals and why you are not at a point
long as they have a proper plan and
in life where you are satisfied? There are
Planning: Planning is very similar to
some major factors that a person needs to
organizing data. For example; if you are
follow and work upon diligently. The
working in an office then every day you will
Results: In the field of marketing you will
following points will help you create stability
learn something new and it is your
always hear about how you have to collect
in your life and help you achieve the
responsibility to compile this new
both “no’s” and “yes”. One of those is seen
success you have been striving for.
information and data you are receiving. The
as a positive result and one is seen as a
strategy for execution.
example I always give to my marketing
failure. In my world both of them are your
1.
Punctuality
team is that if you are meeting new people
results. So never be sad when you fail
2.
Relationships
every day consider this as gathering data.
because it is a part of learning. When you
3.
Planning
This data if you compile and follow up on
start something never leave it incomplete in
4.
Execution
properly you will be able to achieve the
the middle. If you take it to the end you will
5.
Results
results you have set out to achieve.
always learn something and will never be depressed.
Punctuality: If you are working you have to
Execution: Execution is vital in our
dedicate yourself to what time you will start
everyday lives and work places. In my eyes
My message to you today is, when you
the work and how you will mange the day
execution refers to planning a strategy and
dream about something and make a plan
effectively. Never delay the work for
delivering upon it. For Example:
to achieve it you have to take it all the way
tomorrow because tomorrow never comes.
Whoever is reading the article everyone is
till you have achieved success without
executing one thing. Executing a plan can
giving up.
Procrastination will always let you do down
be as simple as driving to somewhere.
and will not help you get anywhere in life. If this is a problem one must rectify it in order to produce maximum person efficiency. Another tip to fix yourself is what time you are starting your job. If you are always early you will be the best performer. If you are on time you will go to the next level and if you are late than you are just passing time
PUNCTUALITY
RELATIONSHIPS
RESULTS
EXECUTION
PLANNING
in life. Relationships: Finding strong, trustworthy and lasting relationships are a major key towards success. If you find that you are not able to convey your message to your own family and feel the need to hide information from them then you must fill this gap. Along with family it is also vital to
MB BUSINESS MAGAZINE MAY 2016
05
TEAMWORK and SUCCESS
Courtesy: MAHMOOD NAQVI Vice President MB Enterprises
Working as part of a team is an essential
you are ever trying to expand your
Improving Others = Improving Yourself
part of character building. It is not an easy
business and move on to the next level
If you are working as a team the people
task building a team and managing a team.
having a strong core team is very
around you in the team will try and emulate
When building a team one must first set
important. The most impressive feats are
you. If you work hard and set the bar high,
themselves as an example to follow.
accomplished by groups of people, not
then others will follow this example. Most
When it comes to working as a team there
individuals.
people also have a competitive spirit and
must be no excuses and one must be
this is fueled more when they see others
willing to step above and do the job
Leadership
around them succeeding. So if you set a
whenever they are required. The
The purpose of a leader is to work with the
good example for the team they will follow
development of a team comes with time
people to find solutions that work best
you. This will work both ways as it will also
and effort and a developed team can take
collectively. Leaders bring people together.
inspire you to do better in order to be a
upon any task that they are presented with.
The best leaders don’t act with a sense of
good example for others.
superiority or try to patronize the people Group Effort Is More Effective Than Individual Effort
working for them; they act like a father.
Attitude Matters You should be the kind of person who
Small business ventures can be
wants to be a team player. People respect
run independently,
the ability to work well with others more
however if
than anything. Your individual actions have an impact, but if you’re reluctant to do something to help your team, it’ll have a negative impact on whatever task you are trying to complete Don’t Ever Think There is No Team The amount of work you put in with your team will directly result in more success. And always remember: the success of your team is your success.
06
MB BUSINESS MAGAZINE MAY 2016
Small Business at the mercy of POLITICAL
RED TAPES
Courtesy: ALLAN LANTHIER
Liberal Party of Canada recently suggested
example, professionals who may
for business expansion. But with close to
that while small businesses should indeed
incorporate primarily to avoid personal
700,000 small businesses claiming the
be paying a lower corporate tax rate, the
taxes and access the lower corporate
lower rate, the aggregate cost is significant
rules should be tweaked to ensure that
rates), and that an incorporated small
indeed.
wealthier Canadians don’t use the lower
business may benefit from income splitting
rate simply to reduce their tax bills. The
and other tax-planning arrangements.
suggestion precipitated howls of outrage
Britain faced a similar problem. In 2006, its general corporate rate was 30 per cent,
from other political parties and business
It is also true that there is no tax rule
versus a small profits rate of 19 per cent.
advocacy groups. But liberals’ comments
requiring that savings from the lower rate
The 2007 budget announced a reduction
invite debate on a broader issue: Is it time
be invested in the business. However,
in the general rate and an increase in the
to abolish the preferential rate altogether?
Industry Canada estimates that 70 per cent
small profits rate, to reduce the differential
of Canada’s non-government labour force
between incorporated and unincorporated
The small-business deduction reduces the
is employed by small businesses, and so
businesses, and to discourage individuals
federal tax rate on the first $500,000 of
surely a few percentage points of tax (and
from “incorporating as small companies to
annual business income earned by a
a bit of tax planning by wealthier
avoid paying their due share of tax.” In April
Canadian-controlled private corporation (or
Canadians) is a small price to pay to
of this year, Britain repealed the small
by an associated group of such
encourage job creation and economic
profits rate altogether, and all British
corporations), provided taxable capital
growth. Or is it?
corporations are now taxable at the general
does not exceed $10-million. The federal
rate of 20 per cent.
small-business rate is 11 per cent, and the
Based on Department of Finance
general federal rate is 15 per cent, a
estimates, the existing four percentage
There is no doubt that small businesses
four-percentage-point differential.
point differential reduces annual federal tax
are critical to job creation and economic
revenue by more than $3-billion. If the small
growth in Canada. But it is precisely
The 2015 Canadian federal budget last
business rate is further reduced to 9 per
because they are so critical that it is
year announced a further
cent, the annual cost will be more than
important that tax incentives be as targeted
two-percentage-point decrease in the
$5-billion. This is a significant cost that
and effective as possible. The
small-business rate (to 9 per cent) to be
other taxpayers must bear, and there is little
small-business rate is neither, and it is time
phased in over four years. The New
if any economic evidence supporting the
to stop spending billions of dollars of our
Democrats have also proposed a
proposition that the lower tax rate
federal taxes every year on a program of
9-per-cent small-business rate, and the
contributes to job creation in any significant
such dubious merit.
Liberals also seem comfortable with the
way.
The Canadian economy – small
general concept of a lower rate. Rarely has such a simple issue been misunderstood by so many. It is true that many small businesses have only one or two employees (including, for
MB BUSINESS MAGAZINE MAY 2016
businesses included – would be better This is not surprising: A small business that
served by a complete repeal of the lower
takes full advantage of the lower rate this
rate, replaced by targeted measures such
year would save just $20,000 (4 per cent
as tax credits and accelerated deductions
of the $500,000 limit), hardly a springboard
for capital expenditures by small business.
07
Vancouver property assessments go
THROUGH THE ROOF
Courtesy: NAOIBH O’CONNOR
Assessed values of both Vancouver east
provided by B.C. Assessment, a West
told the Courier.
and west side single-family properties
Side low-rise strata unit increased by 8%
“What really contrasts this year as well is
climbed dramatically over the past year,
from $615,000 to $662,000, while the
the strata market would really be down in
according to B.C. Assessment.
value of an East Side high-rise strata
that five to 10% range, so it’s not moving
increased 6% from $381,000 to
the same amount. It’s a significant contrast
$405,000.
this year.”
of some individual assessments including
“The real standout [in Vancouver] this year
Grant added that in any given year there
one for an East Side, single-family, 33-foot
would be the market movement for
might be extreme pockets of movement,
lot, which jumped by 28% from $993,000
single-family properties. You would
but what’s notable this year is that the
to $1,267,000, and one for a West Side,
probably have to go back — if you went
assessed value of the majority of
single-family, 33-foot lot that rose by 23%
back to 1980, there’s probably only two or
single-family properties across Vancouver
from $1,575,000 to $1,940,000.
three other times when single-family
climbed by between 15 and 25% — and
properties in Vancouver have moved by
some in excess of that figure.
It released its annual assessment figures January 4 and it provided a few examples
Assessed values for strata properties didn’t
this much this quickly,” Jason Grant,
grow nearly as significantly. In one example
regional assessor for B.C. Assessment,
The fact many East Side residential properties, on a percentage basis, outperformed West Side ones also doesn’t happen very often, he said. Property owners should note that the assessment roll reflects market values as of July 2015 and the value of many single-family properties have grown — in some cases significantly — since then. “So the other big difference this year is people might open their assessment and it’s reflecting July values and their values might have risen fairly dramatically since then depending on whereabouts they’re located. That also doesn’t happen very often to that degree,” Grant said.
08
MB BUSINESS MAGAZINE MAY 2016
B.C. Assessment sent 37,000 warning
Vancouver, Burnaby, Tri-cities, New
Typically, only 1-2% of property owners ask
letters, in a province of more than
Westminster and Squamish also saw large
for a review of their assessment, a figure
2,000,000 property owners, advising of
assessment increases in the 15 to 25%
that usually doesn’t change even in years
extreme changes in assessments — that
range, but assessed values of single-family
where assessment values rise significantly.
is, if a property’s assessed value was going
and strata properties outside the Lower
A notice of appeal must be filed by
up more than 15% above the typical for the
Mainland didn’t grow as much. They
February 1.
taxation jurisdiction.
ranged from 0-10%.
Grant said 22,000 of those letters went to
Overall, the Greater Vancouver region’s
automatically translate into a corresponding
property owners in the Greater Vancouver
total assessments increased from $546.7
change in taxes.
region.
billion in 2015 to $636.2 billion this year.
“If the typical was 25% in a particular
Assessments are in the mail this week, but
jurisdiction, we would send letters to
they can be found online already. B.C.
people who went up 40% or above,” he
Assessments’ e-valueBC service went live
explained. “… You probably wouldn’t get a
January 1.
Grant said changes in assessments don’t
“It’s going to depend on where you are relative to the average,” he said. So, what should property owners expect next year? “We are already, believe it or not, six
letter in Vancouver unless you were going up more than about 40%. If you’re in the
It’s been overhauled since last year. Now
months in towards our next valuation cut
20 to 30% range or the 25-35% range that,
it’s map-based, so you don’t have to know
off of July 2016 and the market has moved
believe it or not, is fairly typical.”
the address of a property — you can
significantly already since July. So if it
simply click on it. The site allows users to
keeps on this trajectory, there will be an
Assessments for single-family properties in
check other properties’ assessed values
increase again next year for 2017,”
many Lower Mainland communities
and compare them to their own.
Grant said.
including North Vancouver, West
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MB BUSINESS MAGAZINE MAY 2016
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MB BUSINESS MAGAZINE MAY 2016
11
Solid growth foundations for Canada’s
LIFE MARKET Despite historic low interest rates, there are
factors expected to drive growth in the
several factors expected to drive growth in
Canadian life insurance market include:
the Canadian life insurance market by
Courtesy: RONAN MCCAUGHEY suit customers' needs. Innovative product development: Demand
2018 including insurers' strong capital
Strong capital base of insurers
for products has changed with the
base and innovative product development
Revised eligibility criteria for old age securit
changing economic environment, with
Rising employment and increased consumer confidence, together with insurers in Canada adopting innovative pricing and risk-averse strategies for their products, mean the gross written premium of the Canadian life segment is expected to increase from CAD53.4bn ($43.4bn) in 2013 to CAD63.6bn by 2018. This is one of the highlights from the Timetric report, Life Insurance in Canada, Key Trends and Opportunities to 2018, which is available at the Insurance Intelligence Center. Life insurance is the largest segment in the Canadian insurance industry, accounting for 39.8% of its gross written premium in 2013. It is also the most developed segment, with a penetration rate of 2.3% in
Innovative product development Increasing life expectancy Strong capital base of insurers: The Canadian life segment is open to foreign insurers and therefore has access to capital from foreign sources. The minimum continuing capital and surplus requirement (MCCSR) ratio (which measures an insurer's capital strength) among Canadian life and health insurers stood at 242% in 2013 - significantly above the minimum requirement from the Office of the Superintendent of Financial Institutions (OSFI) in Canada of 150%. A sufficiently-capitalized life insurance segment is expected to present a stable performance with minimum systematic risk over 2013-2018.
insurers introducing customized policies to suit customers' needs. For example, Manulife Financial Corporation launched Manulife UL in May 2014, a universal life plan which provides both life insurance and investment benefits. Under this plan, the insurer can select the level cost of insurance and a yearly renewable term. Customers can choose between a professionally managed balanced fund and customized investment option. Increasing life expectancy: A World Health Organization report states that the life expectancy for men in the country increased from 74 years in 1990 to 80 years in 2013, while for women it rose from 81 to 84 years. Rising life expectancy is expected to
2013.
Revised eligibility criteria for old age security:
However, the segment posted a
The government has increased the age
compound annual growth rate (CAGR) of
eligibility criteria for old-age security (OAS)
There are also several challenges facing
-0.2% during 2009-2013 to reach a value
and guaranteed income supplement (GIS)
the Canadian life insurance market. These
of CAD53.4bn in 2013. The segment's
benefits from 65 to 67 years, with effect
include:
decline was associated with prolonged low
from April 2023.
interest rates, rising levels of household debt and weak economic development.
contribute to the Canadian life segment's growth over 2013-2018.
A persistent low interest rate The change will enable individuals to plan
Increase in underwriting losses
retirement solutions in advance and Looking ahead to 2018 though, the main
12
encourage insurers to launch products to
MB BUSINESS MAGAZINE MAY 2016
A persistent low interest rate:
In a report titled Canada's Growth Offsets
2013 which offers customized financial
The benchmark interest rate has remained
Turbulent Industry Climate, A.M. Best said:
protection to policyholders.
at 1% since 2010. However, the Bank of
"While continuing to concentrate on
Canada's initiative to stimulate economic
investments, life insurers have reinvested
As a participating policy, the plan provides
recovery had a negative impact on life
organically as well as through acquisitions
dividends to the insured that can be used
insurers' earnings during 2009-2013.
in chosen growth areas. Reduced leverage
to increase cover, decrease premiums, or
and refinancing of existing debt also have
can be received in cash.
According to the IIC, insurers are suffering
been positive rating factors for the
from reinvestment risk as assets are
industry."
reinvested at lower interest rates, yielding
The policy provides built-in children's term insurance, a quit-smoking incentive and
lower returns. Consequently, insurers will
Consumer segmentation
find it hard to sell new policies when
Individual life products dominated the
unemployment rate is also encouraging for
promised returns will diminish.
Canadian life insurance market with 95.5%
life insurers in Canada.
convenient pay periods. A recent fall in the
of the volume of products in 2013, Increase in underwriting losses:
according to the IIC.
Distribution The Canadian insurance distribution
Canadian life insurers are suffering from a reduction in income due to low interest
Group life products accounted for the
network has undergone a shift during the
rates coupled with underwriting losses due
remaining 4.5%. However, in terms of
last two decades, with the advent of new
to a high combined ratio.
gross written premium, individual life
distribution platforms and the internet.
insurance accounted for 80.8% of the The combined ratio of the life segment rose
overall segment, while group life accounted
During the 1980s and 1990s, all Canadian
from 98.1% in 2009 to 118% in 2013 due
for 19.2% in 2013.
life insurance policies were sold by captive agents. Some firms such as State Farm,
to a rise in commission and expenses. The combined ratio is expected to remain at
To target the individual segment, Forresters
Co-operators and Primerica still distribute
more than 100% between 2013 and 2018,
Life Insurance Company introduced Family
life policies through captive agents.
which is likely to put pressure on the overall
life, a whole life insurance product in April
earnings of life insurers. A.M. Best notes that despite the continuing low interest rates and a lagging economic recovery, the Canadian life industry's overall profitability increased in 2013 for the third straight year. The ratings agency said the industry benefited from strong equity market returns and a benign credit environment, as well as self-directed actions such as re-pricing products and focusing more on fee-based income. According to A.M. Best, the Canadian l life insurance sector continues to benefit from solid risk-adjusted capitalization, risk-focused decision making by management, improved earnings with low credit impairments, strong growth in assets under management and an ongoing focus on wealth management.
MB BUSINESS MAGAZINE MAY 2016
13
Aside from selling life insurance products
This restricts Canadian banks from using
Through the issued regulatory framework,
directly to customers, distribution channels
their client databases to cross-sell
the OSFI is seeking feedback and
such as brokers, banc assurance,
insurance.
consultation from various stakeholders.
life insurers to generate new businesses in
However, the number of bancassurance
The proposed regulatory initiatives are
2013.
channels rose from 54 in 2009 to 64 in
expected to overhaul the existing life
2013.
insurance regulatory framework in the
agencies, ecommerce and others enabled
Agencies were the largest distribution
country in terms of corporate governance,
channel for the life segment with 61.3% of
Regulation
the new business gross written premium in
Canada is a federal state consisting of 10
of life insurance companies operating in the
2013.
provinces and three territories. The
country.
risk management and capital requirements
Canadian insurance industry is regulated The number of agencies rose from 9,515
on both federal and provincial levels.
Competitive landscape Canada's life segment is dominated by
in 2009 to 10,423 in 2013, as they have close relationships with insurers and
In addition to the federal insurance
domestic insurers. The segment is highly
pension providers, and operate in insurers'
regulator, OSFI, there are regulators for
concentrated, with the 10 leading
interests.
each province and territory.
companies accounting for 97.1% of the
However, the number of policies sold
However, in order to maintain uniformity in
through agencies fell from 6.8m in 2009 to
insurance regulation across Canadian
Manulife Financial dominated the segment
6.3m in 2013, due to the emergence of
provinces and territories, an
with a 36% share in 2013, and the three
new cost-effective distribution channels
interjurisdictional association of insurance
leading operators, Manulife Financial,
such as e-commerce. Furthermore, the
regulators called the Canadian Council of
Great-West Life and Sun Life Financial,
share of agencies is expected to decline to
Insurance Regulators (CCIR) was set up in
collectively accounting for 87.7% of the
60.7% by 2018.
1914.
segment's total gross written premium.
Brokers were the second-largest
The regulatory frameworks at the federal
Maintaining market share for leading
distribution channel, accountÂŹing for
and provincial levels differ. A company
companies is challenging, and requires a
32.5% of the new business gross written
operating in more than one province is
constant focus on cost-efficiency and
premium in 2013.
regulated by the federal regulation, but it
product innovation.
segment's gross written premium in 2013.
has to obtain a licence in each province in The number of policies sold through
which it carries out the insurance business.
Low interest rates and volatile equity-market conditions are also
brokers fell from 3.8m in 2009 to 3.4m in 2013; however the number of brokers rose
OSFI also regulates the established foreign
prompting companies to re-examine their
from 18,356 in 2009 to 19,600 in 2013,
insurance companies and the branches of
product and pricÂŹing strategies.
driven by the performance of the life
foreign insurers licensed to conduct
segment during the review period.
insurance business in Canada.
Direct marketing was the third-largest
In order to strengthen the existing
investment income in 2013 compared to
distribution channel in 2013 in terms of
regulatory framework for federally regulated
2012.
new business gross written premium.
life insurance companies, OSFI released
Manulife Financial, Great-West Life, Sun Life and Standard Life recorded declines in
Unlike Europe, where bancassurance is
the new Life Insurance Regulatory
Overall, the future growth prospects for the
Framework in September 2012.
segment will depend on insurers' approach to issues, such as streamlining cost
well developed, Canada has a strict
14
demarcation between banks and life
The new framework proposed many
structures and focusing on consumer
insurers. Even banks that own life
changes in the existing regulatory
behaviour.
insurance businesses are not permitted to
framework, which are to be implemented
actively promote products.
over a period ending 2016.
MB BUSINESS MAGAZINE MAY 2016
SHAUN CHEN MP Liberal Party
“Named by Maclean's magazine as one of "100 young Canadians to watch," Shaun Chen is a prolific community leader who has articulated with passion the voices of his generation – a characteristic he will continue as representative for Scarborough North. A lifelong advocate for children and youth, Shaun was first elected to the Toronto District School Board (TDSB) in 2006 as Trustee for Scarborough–Rouge River. As Trustee, Shaun championed programs to support newcomers, launched an annual tree planting initiative in the Rouge Park, and initiated a popular leadership training program for parents. In 2014, Shaun was elected Chair of the TDSB on a pledge to restore transparency and accountability at Canada's largest school board. He has served as director of the Ontario Public School Boards' Association and member of the City of Toronto Children's Services Advisory Committee, where he worked to support a multi-year strategy to expand Toronto's child care system. Shaun holds a BSc in Computer Science and Equity Studies and an MA in Sociology in Education from the University of Toronto, and is currently a PhD student in Social Justice Education at the Ontario Institute for Studies in Education.” 15
WHY ST. JOHN’S ? Colourful Experiences. Colourful Characters. Colourful Encounters.
Courtesy: ERUM ASGHAR
BEING THE MOST EASTERLY POINT IN NORTH AMERICA HAS ITS ADVANTAGES. For starters, we have our very own time
while embracing eclectic sophistication.
memorable, in a place where strangers
zone. In Canada, the sun rises first on
When in St. John’s, you hear your fair
quickly become friends, and the local
Newfoundland and Labrador. We’re the
share of tall tales and yarns, and that’s not
vernacular has you smiling and scratching
closest province to Europe, which means
all. As you walk through the winding
your head all at once. Performances
St. John’s harbour is a safe haven for
alleyways of our vibrant downtown, you’ll
abound: sing along. Toe tapping is
transatlantic travelers and a bustling
encounter fashionistas, chefs, musicians,
welcome. Conferences, conventions, meetings, events – with superb facilities and amenities, and a knack for hospitality that can’t be beat, St. John’s is an excellent choice, one of
commercial port. We’re the youngest – and
the best in the world!
coolest – province in Canada, home to the oldest street in North America, and we’ve
Here’s something that
been welcoming adventurers from all
might surprise you:
corners of the world for over 500 years. A city rich in culture, we honour tradition
and more, all elements of a colourful
those who attend conferences in St.
tapestry of experiences unfolding before
John’s tend to travel with more people and
your eyes.
stay longer, on average, than when they
Thirsting for adventure? It’s easily
travel to other destinations. St. John’s
quenched by skirting the dramatic coastline
hosts an average of 95 conferences per
on foot, or enjoying a day on a boat on the
year.
bay having close encounters with humpback whales, puffins, or icebergs
"Colourful experiences. Colourful
(and maybe all three!). Beautiful vistas,
characters. Colourful encounters. Make
unique culinary pleasures, and unique
your destination St. John’s - you’ll be glad
architecture are just tiny slices of an urban
you did."
experience that will feel like no other. But it’s the colourful characters who are most
16
MB BUSINESS MAGAZINE MAY 2016
Four ways to make tax time less painful for
SMALL BUSINESS
Courtesy: SISSI WANG www.canadianbusiness.com To circumvent this problem, DiNovo would
business owners’ concerns about
2. Have a sit-down discussion with your accountant
accounting matters for 16 years. At his
DiNovo encourages business owners to
where they only need to spend one to two
firm, the Certified General Accountant —
hold face-to-face meetings with their
hours each month to keep their books up
who also vlogs about tax planning on
accountants when they relay their financial
to date. This makes the work much easier
YouTube—has witnessed numerous cases
information. Busy entrepreneurs often just
during filing time, and avoids accounting
where a stressed client approaches him for
drop off their documents at their
mistakes.
help in tax planning just days before tax
accountant’s office and leave. But DiNovo
returns are due—at which point it’s far too
says a one-on-one meeting allows him to
late for any real planning. It’s no wonder
discover additional information that could
4. Stay off the Canadian Revenue Agency’s radar
these entrepreneurs find filing taxes to be a
save his clients money.
Make it a priority to pay your tax
Ian DiNovo has been settling small
set up a spreadsheet system for his clients
instalments on time in order to stay off the
terrible exercise. DiNovo, however, believes with a bit of forward thinking and regular
For example, if he learns his client is
CRA’s radar, says DiNovo. The
bookkeeping, it can be a less painful task
planning to borrow money to invest in
consequences of not paying your dues on
for small business owners. Here are his
properties, he can structure the investment
time can be severe, he says. Business
four top tips:
in a way that would grant them a bigger tax
owners may be selected for an arbitrary
write-off. This would only work if his client
assessment, where the CRA will personally
told him about it before the purchase is
audit their finance if they don’t respond to
made.
the agency’s calls and letters. It usually
1. Don’t leave tax planning to the last minute “If your business’s filing due date is March
ends up being ten times the amount the
or April, then now is not the time to do tax
3. Keep your accounting up to date
business owner actually owns, and they
planning,” says DiNovo. Tax planning (a
“Business owners get too involved in
end up giving the CRA more money than
plan for how to accomplish all your financial
their business and are not good
they would have originally.
goals in the most tax-efficient way) should
bookkeepers,” says DiNovo. Their books
be done beforehand, during the year, not
are often not up to date, since they expect
near the filing date, he explains. “By
their accountant will help them piece
planning early, I can put more plans in
everything together before the filing date,
place and tax time just becomes a matter
but accountants are busy serving multiple
of filing the actual tax return, rather than tax
clients during tax time, and aren’t going to
planning,” explains DiNovo. He tells his
have as much time to work on a specific
clients that tax time should be strictly for
client’s file then as they would throughout
filing the returns and creating tax plans for
the year, explains DiNovo.
the following year.
MB BUSINESS MAGAZINE MAY 2016
17
CONSERVATIVE AND STABLE BANKING SYSTEM IN CANADA
Courtesy: SYED HASSAN
ANOTHER REASON OF STRONG REAL ESTATE MARKET IN CANADA A FINANCIALLY STABLE AND CONSERVATIVE BANKING SYSTEM Canada has a national banking system with diversified, well-managed institutions. Canada has a strong regulatory system. Canada's banks are well-capitalized. Mortgage lending in Canada is stable and prudent. A strong and stable banking system benefits all Canadians.
CANADA HAS A NATIONAL BANKING SYSTEM WITH DIVERSIFIED, WELL-MANAGED INSTITUTIONS Canada's banks are well-diversified organizations; investment banks are anchored by solid deposit-taking institutions.
Canada's system of national institutions diversifies regional risk, so a downturn in an individual economic sector is balanced. And a national system contributes to economic growth by moving funds from areas of excess deposits to regions where growth is creating demand for new credit. Banks in Canada make lending decisions on a case-by-case basis, extending credit to those who have the capacity to repay their loans. This prudent approach is a key reason why banks in Canada have largely avoided the problems that have plagued banks elsewhere. In a survey by the Strategic Counsel, 81% of respondents believe that prudent lending is a key reason Canadian banks have performed better than their international peers.
CANADA HAS A STRONG REGULATORY SYSTEM
Canada has a streamlined bank regulatory system, with two primary regulators: the Office of the Superintendent of Financial Institutions (OSFI) for prudential regulation and the Financial Consumer Agency of Canada (FCAC) for consumer matters. In contrast, the United Stated has a complex network of different regulators. Canada's Bank Act is reviewed and updated every five years to ensure the regulatory structure is keeping pace with changes in the industry. Canada has been recognized by the International Monetary Fund and others as having a sound regulatory system.
CANADA'S BANKS ARE WELL-CAPITALIZED
Banks in Canada are among the best capitalized in the world, exceeding Bank for International Settlements' norms by significant margins. This allows banks to continue lending and provides a cushion against loan losses which tend to increase during economic downturns.
18
MB BUSINESS MAGAZINE MAY 2016
Banks have been strengthening their capital levels by raising new capital from investors in the marketplace.
MORTGAGE LENDING IN CANADA IS STABLE AND PRUDENT
Canada's mortgage market has several fundamental differences from the US market. Canada does not have the same problems with sub-prime mortgages that have been at the root of the problem in the US. In Canada, the vast majority of mortgage loans are prime. There are many high-risk mortgage products in the US that do not exist in Canada. These include: adjustable-rate mortgages, with unrealistically low introductory interest rates that can rise substantially; interest-only payments, where the mortgage principal is never lowered; negative amortization payment schedules, with payments that are less than the interest charged; and no-documentation lending. When American house prices decreased, many borrowers found that their mortgage was higher than the value of their house and unaffordable. Canadian mortgage products have not had these high-risk features and have stood the test of time as interest rates and house prices go up and down. As a result, Canadian homeowners have maintained a healthy amount of equity versus debt in their homes. Among homeowners with mortgages, the average amount of home equity in Canada stands at 66 percent of total home value. Canadian lenders tend to hold the mortgages they originate. In the US the model was an "originate to distribute" model (through securitization). Canadian mortgage originators have a much greater incentive to be prudent because they directly bear the consequences of imprudent lending decisions. In Canada bank mortgages with less than 20% down must be insured. This is not the case in the US.
$ MB BUSINESS MAGAZINE MAY 2016
$ 19
WORLD INTEREST RATES
Courtesy: WWW.FXSTREET.COM
The World Interest Rates Table reflects
as in a perfect scenario, Central Banks
table includes actual rates, latest policy
the current interest rates of the main
tend to rise rates when the economy is
changes and the date of upcoming
countries around the world, set by their
growing and therefore instigate inflation.
meetings / decisions, for the major ones.
respective Central Banks. Rates typically
Rate cuts on the other hand, are a way to
reflect the health of individual economies,
stimulate a struggling economy. The
Major Central Banks Overview Central Banks
Current Interest Rate
Next Meeting
Last Change
Reserve Bank of Australia
2.000 %
4-5-2016 - 04:30
5-5-2015 - 04:30
Federal Reserve
0.500 %
4-27-2016 - 18:00
12-16-2015 - 19:00
Swiss National Bank
-0.750 %
6-16-2016 - 07:30
1-15-2015 - 09:30
European Central Bank
0.000 %
4-21-2016 - 11:45
3-10-2016 - 12:45
Bank of Japan
-0.100 %
4-28-2016 - 03:00
1-29-2016 - 03:00
Reserve Bank of New Zealand
2.250 %
4-27-2016 - 21:00
2-9-2016 - 20:00
Bank of Canada
0.500 %
4-13-2016 - 14:00
7-15-2015 - 14:00
Bank of England
0.500 %
4-14-2016 - 11:00
3-5-2009 - 12:00
South America Country
Current Interest Rate
Previous
Last Change
Colombia
6.500 %
6.250 %
3-19-2016 - 06:00
Peru
4.000 %
3.750 %
1-15-2016 - 00:00
Brazil
14.250 %
14.250 %
7-29-2015 - 23:00
Chile
3.500 %
3.500 %
12-17-2015 - 21:00
Asia PaciďŹ c Country
20
Current Interest Rate
Previous
Last Change
China
4.350 %
4.600 %
10-23-2015 - 12:00
Australia
2.000 %
2.000 %
5-5-2015 - 04:30
India
6.750 %
6.750 %
9-29-2015 - 05:30
Hong Kong SAR
0.500 %
1.500 %
12-17-2008 - 02:00
South Korea
1.500 %
1.500 %
6-11-2015 - 01:04
India
5.750 %
5.750 %
9-29-2015 - 05:30
Taiwan
1.875 %
1.875 %
7-1-2011 - 17:00
Philippines
3.500 %
3.500 %
10-25-2012 - 08:30
Japan
-0.100 %
-0.100 %
1-29-2016 - 03:00
Indonesia
6.750 %
7.000 %
New Zealand
2.250 %
2.500 %
3-17-2016 - 09:00MAY 2016 MB BUSINESS MAGAZINE 3-9-2016 - 20:00
South Korea
1.500 %
1.500 %
6-11-2015 - 01:04
India
5.750 %
5.750 %
9-29-2015 - 05:30
Taiwan
1.875 %
1.875 %
7-1-2011 - 17:00
Philippines
3.500 %
3.500 %
10-25-2012 - 08:30
Japan
-0.100 %
-0.100 %
1-29-2016 - 03:00
Indonesia
6.750 %
7.000 %
3-17-2016 - 09:00
New Zealand
2.250 %
2.500 %
3-9-2016 - 20:00
Europe Country
Current Interest Rate
Previous
Last Change
Iceland
6.500 %
6.500 %
10-1-2015 - 14:00
Romania
1.750 %
1.750 %
7-1-2015 - 08:00
Hungary
1.350 %
1.350 %
7-21-2015 - 12:00
Switzerland
-0.750 %
-0.750 %
1-15-2015 - 09:30
European Monetary Union
0.000 %
0.050 %
3-10-2016 - 12:45
Denmark
-0.750 %
-0.500 %
2-5-2015 - 15:00
Sweden
-0.500 %
-0.350 %
2-11-2016 - 08:30
Poland
1.500 %
1.500 %
3-4-2015 - 12:56
Czech Republic
0.050 %
0.050 %
11-1-2012 - 10:00
Russia
11.000 %
11.000 %
7-31-2015 - 11:00
Norway
0.500 %
0.750 %
3-17-2016 - 09:00
United Kingdom
0.500 %
0.500 %
3-5-2009 - 12:00
North America Country
Current Interest Rate
Previous
Last Change
Mexico
3.750 %
3.250 %
2-17-2016 - 17:15
United States
0.500 %
0.500 %
12-16-2015 - 19:00
Canada
0.500 %
0.500 %
7-15-2015 - 14:00
Africa Country
Current Interest Rate
Previous
Last Change
Egypt
8.750 %
9.250 %
9-19-2013 - 09:00
South Africa
6.750 %
6.250 %
1-28-2016 - 14:00
Middle East Country
Current Interest Rate
Previous
Last Change
Bahrain
2.250 %
2.250 %
1-4-2010 - 08:00
Turkey
7.500 %
7.500 %
2-24-2015 - 12:02
MB BUSINESS MAGAZINE MAY 2016
21
ERNIE HUDSON on ‘Ghostbusters’, ‘The Crow’, Hollywood and humanity
Courtesy: W. ANDREW POWELL
rnie Hudson is an icon, and one of the most compassionate people I’ve ever interviewed. He’s smart and funny, and most of all, just an all around nice guy. Ahead of his appearance at Toronto ComiCon this weekend, I had the chance to speak to Hudson for half-an-hour about his incredible career, including standout films like Ghostbusters and The Crow, on top of his television roles. Read through the interview to hear what he has to say about the new Ghostbusters film coming out this year, and his part in it, his role in the original film, making The Crow and working with Brandon Lee, and his moving thoughts on the “Oscars so
this morning was one time that I did.” I heard about that. Yeah.
white” controversy. It’s one of the most personal interviews I’ve had with an actor,
Well that sounds like a good reason.
“Yeah, it’s a great project. Because
and frankly, Hudson makes some
“Yeah. No, no, it’s… I love being active
everyone makes you sign these
wonderful comments on Hollywood, and
more than sitting and looking at the phone
non-disclosure [agreements], or whatever. I
how people should treat each other.
and wondering why nobody is calling.”
happened to talk about a project once and
Ernie Hudson called me Wednesday
Your list of projects certainly shows
morning, but he had to call me back again
that.
“You know what? There’s an article that
an hour later because of some scheduling
“Yeah, yeah. I’ve been very blessed. I love
came out on Deadline. It’s out there about
issues. Once he called me back, here’s
what I do and I’m still blessed to be able to
me joining the cast this morning. You can
how the conversation started.]
do it. That’s a good thing.”
find out what the project is if you look at
“Things get a little chaotic sometimes. Last
If you don’t mind me asking, is there
night I’d been up for this show, so we finally
anything you can talk about yet?
finished negotiating and so many things
About the project you’re booking?
“It’ll be a fun… It’s a great script. It’s a fun
were going on. I rarely ever oversleep, but
“Well I’ll say this, it’s called APB.”
show. I’m excited about it. The problem is,
the studio reamed me out.”
that. That’s all ready, I didn’t put that out
22
there.”
MB BUSINESS MAGAZINE MAY 2016
we start shooting Monday.”
had to ask you about was the fact that the
“Well, ultimately I think that, you know, you
script changed for the originalGhostbusters
get into movies, and movies are financed.
Wow, that’s right on the heels of
film. Almost before it was starting to film. Is
People give the green light to have certain
Toronto ComiCon.
that right?
things done. There are not a lot of Blacks
“There’s wardrobe and I got to you know…
or people of color who are in the position
how that will impact me getting up to
“Yeah, yeah. That’s one of the things that I
to give the green light. There’s also a
Toronto, we’ll see. I’m determined to make
was talking to Ivan Reitman [about]. We
certain belief system that people have that
it up to Toronto at least Saturday, Sunday. I
kind of disagree about it. He remembers it
they make assumptions that the public
won’t get my schedule until later on today.
differently than I did. I have to acknowledge
wants to see a certain thing, so there isn’t
This literally just happened within the last
that it was 30 years ago and sometimes
much diversity. There just aren’t many
24 hours.”
people see things from their own
stories. They’ll tell a story and they’ll tell it
perspective.”
from their perspective. I used to wonder
Well, I’m sure the fans will be excited
how I would do a movie, and maybe I was
to see you for whatever time you can
“For me, at least in my mind, it changed
in the movie. I did one called Collision
make. It seem as well like the last
from what I went in thinking it was and what
Course.”
couple of years, like this year and
it turned out to be, but in all fairness I look
last, have been big for Ghostbusters
back on it and I look at the movie with my
“I was in the movie, but they were
for you too.
grandkids and it’s a perfect movie the way
shooting–supposedly it was in downtown
“Yeah, Ghostbusters. It’s been fun. I did a
it is. It works the way it is. I felt it might have
Detroit even though we were shooting
cameo in the new one and got a chance to
impacted my career in a different way had
somewhere else. The scene took place in
meet the girls, who I hadn’t met before.
it been different, but that’s all looking back.
downtown Detroit. There were no Blacks in
Really, really funny. Very amazing. They’ve
It’s a wonderful franchise and I’m very
the background. Jay Leno actually said
got a great chemistry together.”
blessed and thankful to be a part of it.”
something about it, but how do you shoot
“Obviously it’s different than with four guys, but they’ll do their own thing with it and it’s a great script. I’m sure the special effects are going to be phenomenal because of what we can do now that we couldn’t do back in the 80s. I’m excited about it. I’m looking forward to seeing it. I’m really honored that they asked me to come be a part of it.” That’s cool. I mean, I’m sure you can’t talk about much, but can you tell us if you had a scene with all four stars? Or just some of them? “Yeah, I worked with all four [actresses].”
Detroit with no Blacks?” That brings me to another topic, and I hope
“I know the studio is pretty excited and
you don’t mind. It’s always a difficult
“Then I realized that for a lot of white
working with Paul Feig was phenomenal. I
discussion, but with what we’ve seen
Americans, who may even live in the city,
really like him a lot. I hope I get a chance to
recently with the ‘Oscars So White’
their circle of friends, maybe they don’t
do that again on something a little more
discussions and everything else–what’s
have any Blacks in their world. Hence
significant for me. It was a great
your impression of Hollywood these days?
Woody Allen’s world that exists someplace.
experience, and we shot at the fire house,
You’ve had a very long career, but what’s
It doesn’t reflect the world as I see it, and I
which was great going back there. It was a
your relationship with it? What do you think
travel to a lot of places.”
good experience.”
is going on?
That’s awesome. One thing I read that I
MB BUSINESS MAGAZINE MAY 2016
“We are diverse. We need these other
23
stories. We need to see the humanity of
white.”
other people. Hollywood doesn’t feel it’s
the storyline, Kurt [Fuller], who was in Ghostbusters. He was a policeman and he
part of their responsibility because their
“I’m a member of the Academy and have
was interested in Brie, and she rejected
primary goal, it seems, is to make money.
been for 30 years, but there aren’t many
him, so he was following her around. He
Not even to tell great stories. Not even to
people of color in the Academy, and I’m
had a story. He was in the story. He got a
make great films. It’s all, somehow, it feels
not surprised. You can’t have one film, that
series and they called me and said, ‘We love your work.’ I’m thinking they’re going to carry on the storyline similarly to what he had been doing, but all I was was the cop.” “I’d come in and say a couple of words and then that’s it. I did nine episodes, but I wasn’t involved. I think they need to look at the world. I’m glad to see now there’s a little more of the interracial coupling you see in movies that you didn’t see that many years ago.” “We need stories that are told from a different perspective. I didn’t boycott the Oscars, because honestly, I think as a member, if you’re going to vote you can’t vote for somebody simply because they’re Black or Hispanic or whatever reason. You vote because you honestly believe it’s the
to me as if it’s about let’s make money and
even if you think it’s a good film, it’s
best performance. I think that’s the way it
in some people’s minds including Blacks or
competing with 100 other movies. At the
has to go. Also, I think a lot of people… the
Asians or Latinos or whatever will not make
end of the day there’s not enough product.
problem I’ve always had with a lot of the,
money.”
It’s not inclusive. It’s a given assumption
and this will probably come out sounding
that if we’re going to tell the story it’s going
wrong, but I would much rather focus on if
“I read an article about one of the new
to be all white. What I think we all do, and
someone comes up with a solution that we
stories on Egypt, Ancient Egypt, with an all
it’s not just obvious racism, but it’s
can work with and gather round and be
European cast. They felt that they can’t sell
something that we have to be mindful and
excited about it.”
the story if it included people of color. It’s a
we have to think–‘Wait a minute, how else
mindset that is behind the times, and it’s
can we go with the character?'”
wrong, and it needs to change, but it’s
and then wanting people to apologize for
hard to complain about the Academy [of
“I have people who I’ve worked for who like
what they did wrong to make them wrong.
Motion Picture Arts and Sciences]. You
my work, and they will say, ‘Wow, we saw
To make them acknowledge that they’re
have to have worked for a fair amount of
this or that and we want you in the film.’
wrong.”
time just to get in. Not everybody can get
Then they look, well how can we use
it. Those people who have been working
Ernie? Well we’ll make him something. We’ll
“I don’t think people are very good at that. I
are obviously those people, those whites.”
make him the policeman. It’s very hard for
think there’s no point in making someone
me to be the bad guy or the guy who’s
the bad guy here. Let’s just figure out how
“They’re the ones who’ve had the chance
really involved in the story. I try not to do
we can, you know, what we can do. It’s not
to work. They’re going to vote, and they’re
those things anymore, because you’re
the big stuff. It’s the small stuff. Just be
supposed to vote, based on what they
included but you’re not included. That’s
more inclusive.”
believe is the best of what they see. Since
how I feel about Desperate Housewives.’ Well, and I mean the other side of this
there’s not a lot of films out there with people of color to choose from, it’s all
24
“Keep coming up with fighting the problem
“I replaced a character who was involved in
is that, I mean, I loved Chris Rock’s
MB BUSINESS MAGAZINE MAY 2016
segment, I don’t know if he wrote it or
thought it went too long. That’s just me. I’m
president is Black and on and on and on,
who wrote it, but going out and
just saying.”
but it really comes down to we need more
talking to people at movie theaters.
projects.”
The normal person on the street
“The thing I hate is you go on the street to
didn’t know a lot of the Hollywood
show people to make your point, I guess,
“Blacks need to be… whatever the
titles that were up for awards. They
and then it comes a point like, are we
problem in society is, we Blacks, we
were out to see films that they were
laughing at these people? I mean, you
exemplify that even to a greater degree,
identifying with.
know what I mean? You choose people
because we get very clique-ish. We get
“They weren’t identifying with it, and that’s
that, okay, this is really funny. Here’s a
very exclusive. We need to be more
unfortunate, because that’s all they said.
woman with her wig on wrong, and all it
inclusive as well. It’s not just a white thing. I,
They don’t have a lot of choice.”
does is lock more firmly these stereotypes
it’s hard for me sometimes to, people say,
that you say you want to get away from.
well, is there racism in Hollywood, when I
That’s what everyone wants. Anyone
You say you want to be a part of the
got a job. You know what I’m saying?”
going to a movie theater wants to
American story, but you’re only showing a
identify with someone or something.
certain part or the African-American story.
“I don’t have a job in Spike Lee’s movies. I
That’s what they’re trying to see.
The fact that they don’t see these people.
don’t have a job in John Singleton’s
“We found that we, especially when I was
They don’t see the movies, or they don’t
movies. I haven’t worked in those movies,
coming up, there were no films that you
understand, and I get that. Not all Black
because, well I don’t know why. I’m just
could identify with. Somebody like a
people go to just those movies. I see all
saying, thank God, that it really shouldn’t
Sammy Davis Jr. Or whoever. If there was a
movies, and so the studio is going, well of
be about color. It should be about humanity
Black then everybody would tune in to
course I’m not going to make movies,
and I believe that we’re human beings, and
watch it, because it was so rare that we
because they’re not going to see my
on the being level, which is spirit, we’re all
got a chance to see.”
movies anyway.”
one. That is the common denominator.
“But, when they do that on the street thing,
“I think you just have to be careful of the
perspective and stop making people the
Chris Rock, I mean okay, I’m glad he
message. Some of those people go, yeah,
bad guy, because when you make them
addressed it. He had to address it, and it
they’ll make a point. Then they resist and
the bad guy then you’re justified in doing
was okay, fine. Even though I don’t
you end up with somebody like Donald
anything.”
understand the Rihanna’s panties thing. I
Trump speaking for a lot of people who felt
know his point, but it wasn’t that funny.
a certain way but they didn’t say it.”
Until we kind of see the world from that
That’s awesome. It was a pleasure talking to you. Thank you so much.
Secondly, he dragged on with it way too long. I mean, let’s not make the whole
“I’m glad he addressed it, it had to be
“Enjoyed talking to you man. You take care
show about that. Make your point and let’s
addressed. I’m glad they hired him, an
of yourself.”
move on. You’re hired because, you know,
African-American. I’m glad they were
be funny and stop… I don’t know. I just
inclusive on the program. I’m glad the
MB BUSINESS MAGAZINE MAY 2016
25
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FIVE ANTICIPATED MOVIES of the Summer
By: SHOAIB KAMAL
As summer time is almost upon us we look forward to longer days and better weather. Along with these two luxuries people can also look forward to summer blockbuster movies that are released every year mid-year. Below is a list of 5 movies that have had fans waiting in anticipation: X-Men: Apocalypse (2016) The X-Men franchise is all set to release their latest movie which is set to hit theatres May 27th. The latest edition boasts a strong female cast with the likes of Jennifer Lawrence, Olivia Munn and Sophie Turner all taking central stage. This action packed thriller is sure to bring out the movie fans that cannot get enough of Marvel action. Teenage Mutant Ninja Turtles: Out of the Shadows (2016) The Teenage Mutant Ninja Turtles is all set to hit the big screen on June 3rd. The popular comic and TV show has entertained viewers for over a decade and the movie set to be released has had all die-hard TMNT fans waiting anxiously. The cast boasts the likes of Megan Fox, Will Arnett and Stephen Amell. Warcraft (2016) The Warcraft Franchise is one of the most popular video games of all time and has been played by millions of users all around the world. On June 3rd the popular video game will hit the Cinema screens in a movie form for the first time. The hype around the release of the movie has been immense as fans from all over the world are excited to see how the franchise is able to transform from a video game to the big screen. Ghostbusters (2016) 30 years after Ghostbusters took the world by storm, the beloved franchise makes its long-awaited return. Director Paul Feig brings his fresh take to the supernatural comedy, joined by some of the funniest actors working today. This comedy will hit theatres on 15th July. Alice Through the Looking Glass (2016) Mega star Johnny Depp makes his return to the big screen in Alice through the Looking Glass which is set to be released on 27th May 2016. This movie will be a continuation of the popular Alice in Wonderland story line and is sure to not only bring out fans of the franchise, but also the thousands of fans who come out to support Johnny Depp. These movies have surely built up the hype and buzz that was expected when they were first announced and now just sit back grab some popcorn and wait for the show to start!
MB BUSINESS MAGAZINE MAY 2016
27
MEN GET NAUGHTY
Courtesy: ALAMDAR HUSSAIN
At The Age Of 40 – Be Careful! AT 40… Boy! The bull is ready to run again! The old saying that life begins at 40 seems
time to move on. A simple, well-cut suit will
everyone in Mad Men looks so good,
to be true. Men are like open soda bottles
work wonders for any man. It will hide your
despite being in their 40s and often out of
at age 40. The raging hormones that make
belly and mask. It will add three inches to
shape. It’s because they wear suits all the
a quiet disappearance in a man’s life make
your height and improve your posture. It will
time. That, really, is all you need to know.
a loud comeback at 40.
make you feel more successful, wealthier and give you authority and gravity. You will
Basic Style tips for Bulky Guys
At the age of 20, we don't care what the
feel like someone in an Audi advertisement.
• Baggy and saggy dresses will never help
world thinks of us; at 30, we worry about
I assure it.
hide big size. Instead buy outfits that fit you well.
what it is thinking of us; at 40, we discover that it wasn't thinking of us at all.
2. Shirt
• Prefer to have stripped shirts.
Shirts should be crisp, white, well-ironed
• Say no to outfits having heavy patterns
How to look stylish when you're a fat forty something:
and with stiff collars. Big men often look
and prints on it.
better with high collars – think of them as a
• Keep collection of blazers, suits, jackets.
Any man can look handsome and stylish
tent for that extra chin to hide in.
• Instead of belts, use Suspenders.
despite of their size. Hence they are skinny or drum sized and bulky. All they need is
3. Tie
to pay little attention to their dressing
With ties, never, ever wear anything funny.
manners. No wonder happens in life while
Comedy ties make you look like a
sitting empty ended and doing nothing.
character form, well, a comedy – and not
One has to make efforts. So all chubby
the character people laugh with. It’s hard to
men out there it’s time for you guys to
go wrong with a black or blue tie. You
show people that yes we can look stylish
want to stick with silk and don’t overspend.
enough in all . Dressing properly certainly doesn’t alter your shape and size, but in return it gives you a well-balance appearance. Just little effort and time is required and you’ll see how well everything goes for you.
28
• Wear hats and caps. • Go for simple shirts. • Most importantly - Workout! Not for the sake of reducing weight in an instant for perfect look; but for the mental and physical health. It energizes you and keeps you in balance.
4. Glasses Buy your glasses from somewhere cool with originality. Younger people look good in casual clothes.
1. Suit
But, when it comes to
This is the foundation of your wardrobe, or
dress, youth is an
at least it should be. If the foundation of
access all areas pass.
your wardrobe is still jeans and T-shirts, it’s
Also, ask yourself why
MB BUSINESS MAGAZINE MAY 2016
Why I Don't Tell People 'Quit Your JOB AND
TRAVEL'
Courtesy: SALLY ELBASSIR
After quitting my job last summer, I
talking months or years here), then it's
comfortable with my current state of
somehow became the resident expert
"easy" to quit your job and travel. You can
(f)unemployment. The reality is, I'll never tell
amongst all my friends who were thinking
pick up odd jobs, teaching jobs, and / or
you to just quit your job and travel because
about quitting their jobs. Or at the very
simply choose to travel through a region
the uncertainty that can bring is
least, hated their jobs enough to threaten
that won't break the bank (I'm looking at
heart-wrenching. Unless you're fully
to quit.
you, Southeast Asia).
committed to a life abroad, or have
I always listened attentively and offered my
But why don't I tell people to quit their jobs and travel?
two cents. After all, most of these wereproblems I'd heard before. Then the conversation would get to this: "Maybe I'll just quit my job and travel." And that's when I stopped the discussion. The thing is, that's exactly what I did... to some extent. I had reached a breaking point with my job and ultimately decided that I was going to "figure things out." Newsflash: apparently nobody ever does. *facepalm.* I didn't pack up my life and move across the world (although that thought has crossed my mind more than once) but instead settled for a 6-week solo trip to Europe. If you Google "quit your job and travel," I can guarantee that hundreds, if not thousands, of articles will show up in your Google search results. All will say something along the lines of "it's easy to quit your job to travel if you just... sell all your stuff / become a digital nomad / become a flight attendant / move to Mexico." Those articles are partially right. If your sole goal is to leave the Western world for an extended period of time (we're
MB BUSINESS MAGAZINE MAY 2016
The reality is, quitting your job is hard. So is long-term travel. It's not as easy as our favorite travel bloggers make it look, and it's definitely not a decision to be taken lightly. The harsh reality is, unless you are planning to say goodbye to the Western world for a while, or you're really keen on embracing the digital nomad lifestyle, quitting your job to travel isn't something that everyone can do. It's difficult. It's uncertain. It may mean doing jobs you don't really want to do so you don't blow all your savings. I'm sure plenty of people wonder what I'm doing with my life. I wonder all the time, to be honest. I've spent more money and time on my blog than I've earned, I haven't jetted off to many exotic locations, and I'm
incredibly supportive parents and a lot of savings, then quitting your job might not be the best thing for you. Looking for a new one is something I can get behind. Yes, you can quit your job and travel. But you'll never hear me tell you to do it. We all have our own unique set of circumstances, and I won't pretend that if you work hard enough or do what the travel bloggers do that you'll be able to do it too. Do what's good for your circumstances, and know what you're willing to sacrifice before making a big decision on a whim. So at the end of the day, if you really want to quit your job to travel, remember that long-term travel takes work as well. If you're not up for the job, then maybe you're simply overdue for a vacation - or a new job.
actively pursuing a remote job in social media or content marketing (someone hire me, please?). But I have backup plans. And no debt. And savings. And a travel blog (maybe I'll be able to live off of it one day!). But it was ultimately these backup plans and savings that have led me to be somewhat
29
Depression
WHAT CAUSES DEPRESSION? Research has identified a number of
Situations
Major life events:
factors that contribute to causing and
Depressed mood may be triggered by
- Death of a loved one
maintaining symptoms of depression. The
stressful life situations, including those
- Job loss
diagram below shows the five major
related to the workplace. If your attempts to
- Oositive changes associated with a new
factors: situations, thoughts, emotions,
cope with these situations have not been
level of challenge, such as a promotion or
physical state and actions. Each of these
successful – or the situations have not
new job
areas of your life can play a role in the
improved – you may begin to feel
- Divorce / Separation
development of depression, and
overwhelmed and hopeless. Risk of
depression can have an impact on all of
developing depression may then increase.
them.
Lack of contact with other people: - Feeling cut off from or rejected by
Depression involves all areas of your life:
Work settings more likely to trigger
your life situation; your thoughts, emotions
low mood are those where employees
and physical state; and your actions. It may
experience:
Relationship conflict:
affect social support, family relationships,
1. High workload with low control over the
- Ongoing or severe conflict in
employment, and finances. Each of these
workflow.
relationships (e.g., with a family member,
areas is connected to all the others. As a
2. Little social support from colleagues or
work colleague, supervisor or customer)
result, changes in one area produce
supervisors; and/or.
- Bullying/harassment
changes in the others. When depression
3. Perceived unfairness in providing
first develops, negative changes in one
rewards and recognition for one’s efforts.
Stress related to physical health:
area often cause the others to get worse
Employees in these kinds of workplaces
- Physical health problems – especially
as well. However, when you are working on
are more likely to feel demoralization,
health problems that are chronic or cause
getting better, changing one area leads to
resentment and reduced engagement.
a lot of pain
improvements in the others. The goal of
They are at higher risk for mood problems.
coworkers
Work – life imbalance:
treatment is to get all areas of your life spiraling upward, each producing positive
Situations that can contribute to low mood
- The demands of home and work are
change that improves the other areas.
or depression include:
competing and exceed your ability to keep them balanced.
Causes of Low Mood & Depression
Stress directly related to the workplace: - Job insecurity
People do not only get depressed when
SITUATIONS Loss Isolation Conflict Stress
- Overwork - Unclear job expectations - Dangerous physical environment
ACTIONS Social Withdrawal Reduced activity level Poor self-care
30
Courtesy: WWW.COMH.CA
THOUGHTS Negative thinking habits Harsh self-criticism Unfair & unrealistic thoughts
PHYSICAL STATE
EMOTIONS
Altered sleep Low energy / fatigue Agitation Changes in brain chemistry
Discouragement Sadness Irritability / Anger Numbness Anxiety
- Unpleasant work area (e.g. high noise, little privacy)
things are going badly. Some people get depressed when their life has been going smoothly. Depression may seem to come out of nowhere. The antidepressant skills taught in this article are useful in both cases.
MB BUSINESS MAGAZINE MAY 2016
never learn how to use this”, “I can’t stand
variety of physical symptoms. One of the
�Thoughts
working here”. This way of thinking leaves
most powerful physical changes
Each of us is affected differently by outside
this person more discouraged, less able to
accompanying depression is impaired
events, depending on how we think about
handle the situation and more prone to
sleep. Usually this involves an inability to
those events. Imagine two people walking
depressed mood.
get enough sleep because the person has
into a new office. One person is naturally
difficulty falling asleep, repeatedly wakes
outgoing, anticipates being received well
Emotions
by others and views the workplace as
Depression often begins with feelings of
early. Sometimes the person sleeps too
friendly and supportive. The other dreads
discouragement and sadness. If the
much or experiences fatigue so pervasive
starting new job assignments, anticipates
depression continues, these feelings of
that they can never seem to get enough
feeling miserable, and sees other
unhappiness may become more painful
sleep. When the person does not awake
employees, supervisors or customers as
until the depressed individual comes to feel
feeling refreshed and rested, it becomes
judgmental and rejecting. Each person’s
overcome by hopelessness. Feelings of
harder to face the day. Depressed people
thoughts help determine how the event is
anxiety (physical tension and worry) can
may lack energy and feel exhausted by
experienced. Research has shown that
also accompany depressed mood.
everyday activities. They may have trouble
when people are depressed they often
Sometimes, instead of sadness, a
focusing on tasks and staying alert. This is
have distorted ways of thinking that can
depressed person will experience a
a particular problem for those who work
trigger or worsen the experience of
general sense of emotional numbness, an
long hours or alternating shifts.
depression.
inability to feel anything. Others become
One theory of depression is that it is
short-tempered when they are depressed.
caused by changes in brain function, or a
There are several kinds of distorted
They may be more irritable, snapping at
chemical imbalance. There is research
thinking:
coworkers or clients, which may lead to
showing that, for some depressed people,
new stresses and conflicts.
certain neurochemicals in the brain are less
- Unrealistic negative thoughts about the situation.
Physical State
You see the situation in an overly
In jobs that are safety-sensitive (such as an
pessimistic way, emphasizing its negative
airline pilot or a health care worker), lack of
or threatening aspects and ignoring more
alertness due to depression can be very
positive or promising aspects.
risky. Depression is often accompanied by a
- Unfair negative thoughts about yourself.
during the night, or awakens much too
active. It is unclear whether these changes in brain chemistry commonly cause depression, or are the result of depression. All we know is that depression is often associated with changes in brain chemistry. The physical symptoms of depression
You think about yourself in a very critical way, judging yourself in a harsh and unfair manner. - Unrealistic negative thoughts about the future. You anticipate a future that is bleak and disappointing, overestimating the likelihood of very negative outcomes. Taken together, we call this the Negative Triad: thinking in an unfair and unrealistic negative way about your current situation, yourself, and your future. Imagine someone going through a difficult time at work – maybe a new computer system has been introduced – who tells themselves “this is completely useless”, “I’ll
MB BUSINESS MAGAZINE MAY 2016
31
make it harder to cope with life problems,
sports may all suffer. Depressed people
Not taking care of yourself.
or even to follow through on a depression
often feel too tired or unmotivated to
When someone is depressed, activities
program like this one. Antidepressant
pursue these activities – but the less they
designed to maintain health and
medication may be helpful in restoring
do, the less they feel able to do. Most
appearance are frequently neglected.
sleep and regaining a sense of physical
depressed people suffer from a reduced
Depressed individuals may take less care
energy. It may allow you to try out the
ability to have fun or get enjoyment from
than usual in personal grooming or dress.
antidepressant skills described in this
activities. Inactivity becomes a habit. As a
In addition, exercise is often reduced,
book.
result, the depressed person no longer
whether this involves planned fitness
gets the personal satisfaction provided by
activities such as attending the gym, or
these activities, further contributing to a
simply walking around the neighbourhood.
sense of discouragement.
Eliminating exercise contributes to
Actions People who devote almost all their time and energy to work, while neglecting personally rewarding activities, have
depression by removing a powerful source of physical well-being and increased
work-life imbalance and are at risk for
Withdrawing from family, friends and coworkers.
developing low mood or depression. If you
At work, depressed people may avoid going out with colleagues for lunch or
person often has disrupted eating habits,
always bring home concerns from the job and are unable to let go of your work and
after-work events, feeling that they will be
relax, you are more vulnerable to
poor company and won’t enjoy social
depressed mood.
activities. This avoidance of contact makes
Depression has a large impact on a
the workplace feel like a less supportive
person’s behaviour. Here are some of the
and engaging place. Social isolation is a
main areas affected:
strong contributor to depressed mood.
Not doing enjoyable activities. Exercise, reading, travel, hobbies and
self-esteem. As well, the depressed which may include skipping meals or overeating as a form of self-comfort. In the workplace, the depressed employee may skip breakfast and forget to eat lunch – this kind of poor eating can worsen depressed mood.
Social isolation takes away the warmth and connection to others that are basic to all of us.
Address: 67 Baldwin St. N Brooklin, ON L1M 1A3 Tel: (905) 655-5544 Web: www.stanleysfishandchips.com
32
MB BUSINESS MAGAZINE MAY 2016
A. PRINCEWILL Law Firm
Courtesy: ANGELA PRINCEWILL
Angela Princewill is the founding partner of
maze as easy as possible.
4) Have all sources of income been
A. Princewill Law Firm, a law firm serving
Angela Princewill attended the University of
disclosed?
Durham Region and the Greater Toronto
Windsor and was called to the Ontario Bar
Area. A. Princewill
in 2008.
5) Are expenses stated accurate? Or
Law Firm recently
Our website www.aprincewill.com has a lot
reasonable under the circumstances?
won a Top Choice
of posts on various family and divorce law
Award for the best
matters such as the one below.
Family Law Firm in
6) Did you list only your share of jointly owned assets and debts?
10 Things to Look out for in a Financial Statement
7) Are values for assets owned on date of
The Financial Statement is the most
marriage included with supporting
Angela’s practice is focused on Family Law
important document in a Family Law matter
documentation?
and Immigration Law matters. She assists
that includes support claims, as well as
clients with family law matters such as
claims for equalization / division of property
8) Have any assets been disposed of in
divorce, child support, spousal support,
There are timelines within which the
the 2 years prior to separation? If yes,
custody, access, domestic contracts and
Financial Statement must be provided if the
further investigation may be required.
property division. Her immigration practice
matter is being litigated and there are
includes appearances at the Immigration
mandatory documents that must be
Appeal Division, Immigration and Refugee
disclosed.
the Durham Region in 2016!
Board, and the Federal Court of Canada.
9) Have all assets been listed? 10) Is the calculation of the net family
Angela has helped many succeed in
Below is a list of 10 things to pay attention
immigrating to Canada through successful
to when preparing or reviewing the other
applications to Citizenship and Immigration
party’s Financial Statement.
Canada under various categories including
property accurate? For more information and assistance, do not hesitate to contact us:
family and spousal sponsorships, skilled
1) Are you using the right form?
Email: info@y-canada.com
worker applications, work permit
At first sight, they may appear to be the
Phone: 905-492-7662
applications, business/ investor
same, but the Form 13 is different from the
Website: www.aprincewill.com
Immigration.
Form 13.1 in the use and information captured. The former is for cases where
Angela Princewill is compassionate, but
only support is sought. The later is required
very aggressive in representing her clients’
if there are property issues.
interests. She gives honest advice to her clients and utilizes every legal tool including
2) What valuation date is used?
alternative dispute resolution, to achieve
This could significantly affect equalization
her clients’ goals.
payments.
Legal issues can be very stressful for clients so we make navigating the legal
3) Are notice of assessments and income tax returns for the last 3 years attached?
MB BUSINESS MAGAZINE MAY 2016
33
IPHONE SE REVIEW: Smaller Gets Smarter With Better Battery Life to Boot Courtesy: GEOFFREY A. FOWLER Most smartphones now come in two
After years of the “phablet,” the small
sizes—big and huge. Apple’s new iPhone
phone is back with a vengeance.
SE is the first one made for everybody
stash it. The first time I held the iPhone SE, whose
whose thumbs lack the wingspan of
This is about more than fads—it’s about
screen measures 4 inches diagonally, it felt
eagles.
physiology. The iPhone SE is an
comically tiny to my fingers and eyes,
acknowledgment that picking a
which are now accustomed to much more.
The phone, which goes on sale Thursday,
smartphone should be like choosing
I wouldn’t want to use it as my everyday
packs Apple’s best phone processor and
shoes. Style and function are parts of the
phone, but as many as 20% of Americans
camera into a width of just 2.3 inches. And
equation: You might not be caught dead
would prefer a 4-inch phone. Apple says it
it does it with significantly better battery life
without heels, but their fit and comfort
sold 30 million older, slower (and cheaper)
and Apple’s lowest-ever starting
matter. When you consider your phone, it
models at that size last year. Yet
price, $399.
matters how you’ll hold it, and where you’ll
remarkably, no other major manufacturer offers a high-end phone at this size in the U.S. The iPhone SE is a win for ergonomic choice, but Apple doesn’t score any points for originality. The new phone is nearly indistinguishable from the three-year-old iPhone 5s, which is a hair thicker and less pleasantly rounded than Apple’s more recent designs. (The SE even fits in most existing 5s cases.) The SE will come in Apple’s newer rose-gold hue, but it lacks design improvements you’ll find in Apple’s competitors, such as waterproofing and expandable storage.
The iPhone SE packs Apple’s best phone processor and camera into a width of just 2.3 inches. It has better battery life than its predecessors and Apple’s lowest starting price, $399.
34
MB BUSINESS MAGAZINE MAY 2016
Does Your Hand Fit Your Phone Screen?
It’s almost as though Apple is transplanting new brains into old iPhone 5s bodies. (Apple isn’t literally doing that, though the concept does seem like it could be a big boon for the environment.) On most important functions, the iPhone SE doesn’t disappoint. Its A9 processor, exactly the same one that’s in the iPhone 6s, zips through apps and the most graphically challenging mobile games. (By a test called Geek Bench, it’s about 70% faster than the 5s.) The 12-megapixel rear camera is capable
The iPhone SE, top, is a bit thicker than the iPhone 6s, bottom. With its 4-inch screen, the SE is the same size as the old 5s. But it is much faster, and its battery life is longer.
of Apple’s Live Photos video trick, and performs admirably in most settings—though, like the iPhone 6s, it’s now bested in low-light shooting by Samsung’s new Galaxy S7. The iPhone SE even includes Apple Pay, so you can leave your wallet at home at least some of
The compromise you must accept for that
the time.
years into the future. If you want this
performance is the SE’s screen, which is
phone, pay the Apple tax and get the
not only smaller but also packs in fewer
64GB version for $499.
The standout news is battery life. Unlike
pixels and noticeably less contrast than the
many other recent Apple products, the
iPhone 6s. It also isn’t pressure sensitive,
iPhone SE’s is a significant improvement
The biggest reason you’d want this phone
so it can’t do Apple’s 3D Touch trick of
over its predecessors’. In my lab stress
is because it’s a better size for your hand.
popping up menus with a hard press of
test, which cycles through websites with
So, in the absence of a
your finger.
shoe-measurement contraption for hands,
uniform screen brightness, the SE lasted
how do you know the right size?
10 hours—more than two hours longer
Some people will be drawn to the SE for its
than both the iPhone 6s and iPhone 5s,
price. At $399 without a contract—$250
and nearly three hours longer than the
After consulting ergonomists and physical
less than its larger sibling—the iPhone SE
Galaxy S7.
therapists, I can report there is some
might appeal to parents, corporations or
science to it. You must weigh three factors,
people on a budget who are considering
all of them trade-offs:
their first iPhone. But keep this in mind
MB BUSINESS MAGAZINE MAY 2016
about the real cost: The 16 gigabytes of
What you can see.
storage at that price is hardly sufficient to
When it comes to productivity, bigger is
take advantage of all the latest apps and
better. The phablet trend was essentially
photo capabilities, let alone cover you for
chasing the ergonomic reality that we get
35
more done—and even remember more of
Hand-o-Meter.)
what we read—on larger screens. Larger phones also have larger virtual keyboards,
What you can comfortably hold.
and the largest phablets boast beefier
The more your hands have to stretch, the
batteries. The 25% difference in screen
more uncomfortable it becomes to grasp a
area between the iPhone 6s and iPhone
phone—and the more likely you are to
SE could have an impact on your work.
drop it. As a test, try holding your hand like you’re making the shape of a gun, and
The iPhone SE is available in Apple’s newer rose-gold finish.
then gripping the phone between your index finger and thumb. If the iPhone SE fits more snugly in the knuckle closest to
What your thumbs can reach.
your palm, it’s likely a better match. (The
Most of us use thumbs to operate
outer knuckle works too, but it’s a less
smartphones, but they vary considerably in
secure grip.) And don’t forget where you’re
reach. You can do a quick test in a store:
going to store your phone: People who
Go to the drawing mode in the iPhone’s
insist on stuffing phones into tight jeans
Notes app (or pull up a free Web drawing
might want a smaller size; people who
app such as Awwapp.com). Hold the
keep them in bags may not care.
phone with one hand and swoop your thumb like a windshield wiper. The arc that
I’m happy to see the iPhone SE, partly
you draw defines what your thumb can
because I think that the world needs a
comfortably reach. (You can also see how
small phone. A selection of them, truthfully.
your thumbs measure up on different
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LATEST GEN AUTOMOTIVE
INC.
Ragual / Nick Tel: (647) 802-6824
MECHANICAL ALIGNMENT
|
ETEST |
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SAFETY
STRUCTURAL SAFETY
AUTOBODY WORK Address: 2655 Lawrence Ave, East Unit 10, Scarborough, ON M1P 2S3 E-mail: lgenauto@aol.com
36
MB BUSINESS MAGAZINE MAY 2016
Contact Us for More Information: Address:104-100 Dynamic Drive, Toronto, ON M1V 5C4 | Tel: 1-866-677-1377 Fax: 1-866-204-6888 | Email: info@mbeforyou.com | Web: www.mbeforyou.com 37
Low Rent Excellent Rates Debit & Credit Card Machines
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Exciting Discount Offers Career Building Opportunities 12 /16
38
Entertainment & Cineplex Discount Coupons
MB BUSINESS MAGAZINE MAY 2016
Accounting / Bookeeping Service
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Life Insurance
Investments
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Construction Services Contractor Developer
MB BUSINESS MAGAZINE MAY 2016
39
Exceptional Real Estate Services Brokerage Residential Brokerage Commercial
Refinance Private Mortgage Equity Take Out Business Loan
Marketing Printing Publishing
Telesales Telemarketing Call Centre Our goal is to assist you in maximizing your revenue
40
MB BUSINESS MAGAZINE MAY 2016
TOP 15
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
41
CINIPLEX 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. 3. Order Cineplex Tickets online. 4. You will get the tickets via mail within next 48 hours. SAVE $5 ON EACH TICKET
MBBP MEMBERS CAN USE THESE TICKETS ALL OVER NORTH AMERICA TICKET WILL NEVER EXPIRE
DRUG BENEFITS How to Apply: 1. 2. 3. 4. 5.
Become MBBP member. Call us on (1-855-669-6227) and request for Drug Benefits. We will send you trillium form to sign. Send the signed form back to us. After submission to Trillium you will get the Trillium Card in next 45 days.
BECOME MBBP MEMBER AND GET THE DISCOUNT UP TO 60% ON ALL DRUGS AND MEDICINES.
GAS DISCOUNT How to Apply: 1. Become MBBP member. 2. Visit our website : www.mbbpforyou.com/MemberLogin.aspx with your login and password. 3. Click on GAS DISCOUNT button. 4. Fill the online form with your details 5. You will get the Gas Discount card in next 48 hours. BEING AN MBBP MEMBER GET A GUARANTEED
DISCOUNT SAVE 3.5C PER LITER
CAR 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. BEING AN MBBP MEMBER CONTACT US TO GET 15-30% ON AUTO INSURANCE.
42
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. 3. Call at 1.800.563.0677 then provide the secret CODE. 30% DISCOUNT
BEING AN MBBP MEMBER, CONTACT US TO GET A DISCOUNT ON HOME INSURANCE.
FREE PERSONAL TAX RETURN 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. BECOME MBBP MEMBER & LET OUR ACCOUNTING TEAM 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. Get 20% discount on all reliance products. MBBP MEMBERS WILL RECEIVE AN AVERAGE 20% DISCOUNT ON RELIANCE PRODUCT AND SERVICES.
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. MBBP MEMBER CAN ENJOY UP TO 15% DISCOUNT FROM 6300 HOTELS WORLDWIDE. CONTACT US FOR FURTHER DETAILS.
www.mbbpforyou.com
1-855-669-6227
/mbbployaltycard
43
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 How to Apply: 1. 2. 3. 4. 5.
Become MBBP member Call on 1-866-667-1377 Refer that you are MBBP member. You will be given forms to sign up. Enjoy 10% discount on POS deal.
GET 10% DISCOUNT
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. 5. Enjoy 20% discount on all accounting service deal. SAVE 20% ON ACCOUNTING SERVICES
MB BUSINESS MAGAZINE How to Apply: 1. 2. 3. 4. 5.
Become MBBP member Call on 1-866-667-1377 Refer that you are MBBP member. You will be given forms to sign up. Provide your business Specifications for magazine ad.
ADVERTISE YOUR BUSINESS IN MB BUSINESS MAGAZINE WITH 30% DISCOUNT
44
www.mbbpforyou.com
1-855-669-6227
/mbbployaltycard
ATM DEAL How to Apply: 1. 2. 3. 4. 5.
Become MBBP member Call on 1-866-667-1377 Refer that you are MBBP member. Apply for ATM installation on your location. We will install ATM machine at your place for free.
LIFE INSURANCE How to Apply: 1. 2. 3. 4.
Become MBBP member Call on 647-832-7265. Refer that you are MBBP member. You will be served as a special client and exclusive discount will be given.
SPECIAL CLIENT EXCLUSIVE DISCOUNT
ROYAL LEPAGE How to Apply: 1. 2. 3. 4.
Become MBBP member Call on (416) 939-9378 Refer that you are MBBP member. You will be served as a special client and exclusive property will be referred to you with 20% below the market Value.
SAVE 20% ON REAL ESTATE SERVICES
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
45
BEST DEALS
BEST DEALS BUNDLE OFFER ONLY FOR MBBP MEMBERS
BUNDLE OFFER ONLY FOR MBBP MEMBERS
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NO
NO
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CT RA NT CO
$49.99
$4.99 HOME PHONE 5 calling feature on your demand 300 North America long distance minutes
TELEVISION All top US and Canadian channels HD Channels
INTERNET High speed, Unlimited Cap Dedicated VIP connection
For More Information Contact Us: Address: 104-100 Dynamic Drive, Toronto, ON M1V 5C4 Call: 1-855-669-6227C | Fax: 1-866-204-6888 | Email: info@mbbpforyou.com 46
WHERE BENEFITS MEET REWARD
WHERE BENEFITS MEET REWARD
THE MEMBERS WILL RECEIVE $15 REFERRAL MEMBER WITH ADDITIONAL BONUS AMOUNT ON THE ACHIEVEMENT OF EXCECUTIVE LEVELS on1
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 47
LEVEL
01
48
02
LEVEL
03
LEVEL
04
LEVEL
05
LEVEL
06
LEVEL
07
LEVEL
Group General Manager
$224,000
Regional Manager
$112,000
Area Manager
$56,000
Unit Manager
$28,000
BDM Manager
$14,000
Team Leader
$7,080
MBB Unit OfямБcer
$3,540
WHERE BENEFITS MEET REWARD
WHERE BENEFITS MEET REWARD
ACCELERATE EXECUTIVE LEVELS & EARN ADDITIONAL
GET 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 49
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
|
Email: info@mbeforyou.com 50
Fax: 1-866-204-6888 |
Website: www.mbeforyou.com
WHERE BENEFITS MEET REWARDS... Affiliate Program Offer
SPECIAL OFFER
20%OFF For MBBP Members Discount on all products and safety plans
WHERE BENEFITS MEET REWARD
104-100 Dynamic Drive, Toronto, ON M1V 5C4 Tel: 1-855-669-6227 | Fax: 1-866-204-6888 Email: info@mbbpforyou.com www.mbbpforyou.com
@mbbp_pk
/mbbployaltycard 51
Benefits Meet
Rewards!
WHERE BENEFITS MEET REWARD
WAIVE OFF YOUR ANNUAL FEE ON 5 NEW MEMBERS SIGN UP
52
WELCOME
3.5
OUN
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DISC
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UNFATHOMED BENEFITS
GAS DISCOUNTS c/lit
15- SAVE 30%
ers
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.
104-100 Dynamic Drive Toronto ON M1V 5C4
1-855-NOW-MBBP (669-6227)
1-866-204-6888
www.mbbpforyou.com
info@mbbpforyou.com
53
May
EVENT CALENDAR MAY 1
SUNDAY
Orthodox Easter Orthodox Christians in Canada celebrate Jesus’ resurrection on Easter Sunday. The Orthodox Christian date for Easter Sunday, also known as Pascha, is often at a later date than the Easter date observed by many western churches.
MAY 2
MONDAY
MAY 4
WEDNESDAY
Orthodox Easter Monday
Easter Monday is the day after Easter Sunday, which celebrates Jesus’ resurrection, according to Christian belief. Many Orthodox Christian churches in Canada often observe Easter Monday at a later date than the Easter Monday date observed by many western churches. The day is also known as Bright Monday.
Yom HaShoah Many Canadians observe Yom Hashoah, which is also known as Holocaust Remembrance Day. It commemorates the lives and heroism of Jewish people who died in the Holocaust between 1933 and 1945.
MAY 5
THURSDAY
Ascension Day Ascension Day is observed in Canada on the 40th day of Easter. It commemorates Jesus Christ's ascension into heaven, according to the New Testament of the Bible.
MAY 5
THURSDAY
Isra and Mi'raj
MAY 8
SUNDAY
Mother's Day
Many Muslims in Canada observe Isra and Mi'raj (Al Isra' wal Miraj, Lailat al Mi’raj, or Laylat al Miraj). This event commemorates the Prophet Muhammad’s journey from Mecca to Jerusalem and his ascent into heaven. It is observed on the 27th day of Rajab, the seventh month in the Islamic calendar.
Many Canadians celebrate Mother’s Day by showing their appreciation for mothers or mother figures. The Mother’s Day date in Canada is on the second Sunday of May each year.
MAY 12
THURSDAY
Yom HaAtzmaut Many Jewish people in Canada remember Israel’s Independence Day, also known as Yom Ha’Atzmaut (or Yom HaAtzmaut). Celebrations are annually held on or around the fifth day of the month of Iyar, according to the Jewish calendar.
54
MB BUSINESS MAGAZINE MAY 2016
MAY 15
SUNDAY
Pentecost Pentecost is a Christian observance commemorating the descent of the Holy Spirit on Jesus Christ’s disciples, according to the Bible. Many Christians in Canada celebrate Pentecost, which is also known as Pentecost Sunday, Whitsunday, or Whit Sunday.
MAY 16
MONDAY
Whit Monday Many Christians in Canada observe Whit Monday, also known as Pentecost Monday, on the day after Pentecost, which is also known as Whitsunday or Whit Sunday. This period commemorates the Holy Spirit's descent on Jesus Christ's disciples, as told in the Christian Bible.
MAY 22
SUNDAY
Trinity Sunday Many Christians in Canada celebrate Trinity Sunday, which is the first Sunday after Pentecost. It is one of the few feasts that are celebrated as a doctrine instead of an event. It is also symbolic of the unity of the Trinity.
MAY 23
MONDAY
Victoria Day Victoria Day, also known as May Two-Four, May Long and May Long Weekend, is a Canadian holiday on the Monday preceding May 25.
MAY 23
MONDAY
National Patriots' Day National Patriots’ Day (Journée nationale des patriotes) is a statutory holiday in Québec to honor the rebellion against the British in 1837. It falls on the Monday before May 25, coinciding with Victoria Day, each year.
Platinum
CAR CAR & & TRUCK TRUCK RENTAL RENTAL
Dan Nagarajah : 905-926-1810 / 416-613-1841 Address : 9321 Highway 48, Markham ON L3P 3J3. Website : www.platinumcar.ca GREAT RATES ON DAILY, WEEKLY, MONTHLY RENTAL. INSURANCE & MECHANICAL REPLACEMENT RENTAL
55
WE CREATE & PLACE ADVERTISEMENTS WHERE IT WORKS BEST...!!!
We live in an age of advertising where all brands, whether big or small, use a slogan to stand out. An advertising slogan is like a brand belief that highlights the core essence of the brand.
Logo Brand Strategy Design
56
Web Design
Social Media
Included in bundle
EN FOR S O FURLTE ATI BER M
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CO
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NEED A MORTGAGE? WHEN YOU CAN OWN A HOUSE STOP PAYING SOMEONE ELSE MORTGAGE!
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LET’S HELP
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Non-Medical Insurance
Life Insurance
Investments
Drug & Dental Insurance Critical Illness Disability Insurance Visitor / Super Visa / Travel Insurance RESP (Registered Education Saving Program) RRSP (Registered Retirement Saving Program)
EXCLUSIVE OFFER FOR MBBP MEMBERS Free evaluation of your insurance policy RESP for your children without any obligation 1000 MBBP Point (On any qualified purchase)
GET THE PERFECT INSURANCE POLICY, CUSTOMIZED ACCORDING TO YOUR NEED. GET OBLIGATION FREE LIFE INSURANCE QUOTE TODAY.
AFFILIATED WITH
104-100 Dynamic Drive, Toronto, ON M1V 5C4 58
Tel: 1-866-667-1377 Fax: 1-866-204-6888 Toll Free: 1-647-832-7265
Email: info@mbeforyou.com Web: www.mbeforyou.com
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. This is how we're able to report that MB Construction is consistently ranked first in quality, value, and customer satisfaction.
Address: 104-100 Dynamic Drive, Toronto, ON M1V 5C4 Tel: 1-866-667-1377 | Fax: 1-866-204-6888 Email: info@mbeforyou.com | Web: www.mbeforyou.com
Call Us Now 1-866-667-1377 59
MAKE A DIFFERENCE WITH MB ACCOUNTING
Do you want any assistance with your personal or corporate tax issue? Our professional level experienced CPA & CA’s are available to cater for your accounting needs.
OUR SERVICES
All Government Remittances Filled
Bookkeeping
Guaranteed Tax Solution
PTR Service
Entrepreneur & Investment Consulting
Payroll Service
To Provide You Maximum Refund
Accounting & Taxation
Financial Forecast & Budgeting
HST, WSIB & Payroll Deductions
Audit & Assurance Finance
Address: 104-100 Dynamic Drive, Toronto, ON M1V 5C4 | Fax: (866) 204-6888 Email: info@mbaccounting.ca 60
| Website: www.mbaccounting.ca
WE ALWAYS PROTECT CLIENT'S INTERESTS!
OUR SERVICES: WILLS IMMIGRATION ESTATES FAMILY LAW SMALL CLAIMS ACCIDENT CASES CRIMINAL CASES REAL ESTATE
NEED LEGAL ASSISTANCE? INHAAM LAW OFFICE IS A MULTI-DISCIPLINE LAW PRACTICE FIRM PROVIDING LEGAL REPRESENTATION IN REAL ESTATE LAW, FAMILY LAW, IMMIGRATION, WILLS & ESTATES, SMALL CLAIMS COURT AND PERSONAL INJURY.
ADDRESS: 10 MILNER BUSINESS COURT, 3RD FLOOR, TORONTO, ON. M1B3C6 FAX: (416) 583-5205
|
EMAIL: INFO@INHAAMLAW.COM
|
|
TEL: (647) 427-2406
WEB: WWW.INHAAMLAW.COM 61
LIVE
RK
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LEGAL SERVICES PROVIDER, COMPLETE GUIDANCE FOR IMMIGRATION TO CANADA
STUDY
ION T A MIGR
IM
Address: 4953 Dundas Street West, Suite 106 Toronto, ON M9A 1B6 Tel: (416) 234-0514 62
|
Email: alinaqvi@rogers.com
Website: naqvislaw.com/immigration_to_canada.asp
MBE IS LOOKING FOR
SALES EXECUTIVES
WITH EXPERIENCE IN THE ELECTRONIC PAYMENT INDUSTRY, FINANCIAL SERVICES FOR (ATM/POS).
WHAT WE OFFER TRAINING & FEEDBACK SALARY (PLUS COMMISSION) WITH THE FOLLOWING SKILLS: Comprehensive knowledge of payment industry web 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
Tel: (866) 667-1377, (866) 204-6883 Email: info@mbeforyou.com Web: www.mbeforyou.com
CANDIDATE SHOULD BE FAMILIAR WITH
POS/ATM BUSINESS, ESPECIALLY B2B
CUSTOMER HANDLING
(MARKET/SALES), THE CANDIDATE SHOULD BE TARGET ORIENTED AND
WILLING TO WORK UNDER PRESSURE
63
Our Friends and Customers Are Our Advertisements
ADDRESS: 835 King Edward St. Winnipeg, ON R3H 0P8 CELL: (204) 880-2357 64
|
|
TEL: (204) 415-4878
EMAIL: indermavi57@gmail.com
You will appreciate the difference at Decorium. Here you will experience a wide selection of today’s trends for all tastes. Be inspired by our design solutions and personalized service, making Decorium your destination to designing your dream home. PRESENT THIS AD IN STORE FOR SPECIAL MB SAVINGS
LIVING • BEDROOM • LEATHER • HOME OFFICE • HOME THEATRE • LIGHTING DINING • YOUTH • HOME ACCENTS • AREA RUGS • BEDDING • STRESSLESS GALLERY
decorium.com | Shop Online 24/7 363 Supertest Rd. Toronto | 1212 Yonge St. Toronto | 1 800 232 2267
MB BUSINESS MAGAZINE MAY 2016
65
BANQUET & CONVENTION CENTRE WE CAPTURE YOUR DREAMS.
Italian Menu | Continental Menu | Premium Bar | Regular Bar Indian Menu | West Indian Menu | Islamic (Halal) Menu
Address: 6628 Finch AVE West toronto, ON M9W 0B3 Tel: (647) 867-8343 | Web: www.rosegardenbanquet.com 66
Grand Buffet
THE BEST HALAL RESTAURANT
IN TORONTO 4141 Dixie Road Mississauga, ON L4W 1V5 | Tel: (905) 212-1255 Email: info@continentalgrandbuffet.ca | Web: www.continentalgrandbuffet.ca 67
68
MISSISSAUGA'S
www.blueandwhitetaxi.ca sales@blueandwhitetaxi.ca
FIRST CHOICE For Reliable Travel Since 1974
Wheelchair Accessible Vehicles
BLUE & AT YOUR WHITE SERVICE... Parcels & Packages
The City of Mississauga sets our operating rates. But that's not why we're the best choice for travel.
Our added value and reliable services are Why Choosing Blue & White Taxi is the best decision.
Airport Services
GENERAL INQUIRIES & BOOKING
Automated / Operator (905) 274-4444
|
Toll Free 1-877-274-0470 69
70
MB ENTERPRISE IS LOOKING
FOR YOUNG ENERGETIC SALESR EPRESENTATIVE
for advertising of monthly business magazine.
SKILL SET REQUIRED Must be fluent in spoken english. The Candidate Should Possess Extraordinary communication and Negotiation Skills. Candidate Should Be Social and Well Aware of all Canadian Magazines and Newspapers. Business To Business Customer Handling is Preferred. Previous Experience in Media Marketing is Additional.
CONTACT: M.Naqvi. (416) 939-9378 | WEBSITE: www.mbeforyou.com | EMAIL: career@mbeforyou.com
MB ENTERPRISE IS LOOKING FOR
ENERGETIC
HARDWORKING ACCOUNTANT FOR OFFICE ACCOUNTS WORK Contact: M.Naqvi. (416) 939-9378 www.mbeforyou.com career@mbeforyou.com
MB BUSINESS MAGAZINE MAY 2016
Preferred accounting background. Book keeping experience is essential. The candidate should be target oriented and willing to work under pressure.
71
SAVING
WHERE BENEFITS MEET REWARD
3.5c/Litre
GET OUR PRIVILEGE CARD AND ENJOY THE BENEFITS GAS STATION SAVINGS
GET YOUR CAR INSURED WITH OUR AUTHORIZED VENDOR
HUGE GROUP DISCOUNTS ON
HOME AND AUTO CAR INSURANCE
(15-30%) $20 GET 1 AIR MILES 4 years Depreciation on write-off / Waive monthly financial charges ( 3% premium for paying on a monthly basis) Contact for MBBP: Karen: 1-800-521-7738 The Johnson Insurance Membership code is required for the member.
72
MB BUSINESS MAGAZINE MAY 2016
TORONTO'S BEST CAB SERVICE
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LUXURY OF A LIMOUSINE AT REGULAR TAXI RATES.
HEAD OFFICE Address: 40 Wynford Drive, Suite 106 Toronto, ON M3C 1J5 Tel: (416) 465-5555 | Fax: (416)465-5272 Website: www.mapleleaftaxi.com
ABOUT US
Africa, Asia, Australia, North, Central and South America, Europe and the Middle East… NĀRAT is a full service travel organization conveniently located in Toronto, Canada. NĀRAT is managed and staffed with only the highest qualified and accredited travel specialists in the Canadian travel industry.
TRAVEL ORGANIZATION
CONVENIENTLY LOCATED IN TORONTO, CANADA
GRAND OPENING IN
OSHAWA PACK GE
Seniors discount available Gift certificate available Weekday classesstarting soon for both locations
GOLD | SILVER | BRONZE
After the success of Whitby, we opened a new location in Oshawa to serve you better. Special offers and discounts for new location for limited time offer: Group discount available for 2 or more student registration required at the office, not online. C ONTACT
306 Dundas St. W. Unit 2 Whitby, Ontario L1N 2M5
Call us and experience the World of NARAT! Address: 250 Consumers Road, Suite 719, Toronto, ON M2J 4V6. Tel: 1-877-By-NARAT (296-2728) Fax: (416) 850-6819 E-mail: inquiries@narat.org Web: www.narat.org
MB BUSINESS MAGAZINE MAY 2016
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
73
WAXING
LADIES ONLY
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WAXING Mon-Thu 11:00am 6:00pm
Fri-Sat 10:30am 7:30pm
2203 Gerrard St. East Toronto ON M4E 2C8 (647) 868-0160
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 To Book an Appointment Please Contact: Happy at (647) 763 - 9319 BRAMPTON
INC
EXPERIENCED, LICENSED MECHANIC ON DUTY
Knowing your business matters. Look to Federated Insurance for your business insurance needs.
FOR ANY DOMESTIC AND IMPORT VEHICLE REPAIR AND SERVICE, PLEASE VISIT OR CONTACT US
BRAKES
OIL CHANGES
DIAGNOSTIC
GENERAL AUTO REPAIR
Michael Tolfo 647.989.7430 michael.tolfo@federated.ca
All Makes and Model One Place
www.federated.ca 287 Old Kingston Road, Scarborough, ON M1C 1B4
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(416) 335-1010
info@7stopauto.ca www.7stopauto.ca
3526-012 ed01E | 12-2015
MB BUSINESS MAGAZINE MAY 2016
Horizontal Blinds 3480 McNicoll Ave, Toronto ON M1V 5A7 Call For Free Estimates Mr. Kamal : (647) 895-3385
Vertical Blinds Draperies Shutters
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
MB BUSINESS MAGAZINE MAY 2016
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
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Low cost travel packages expert.
Alda Tours
Travels + Money Transfer + Cruises
Need help planning? Call us at 1 877 615 2898!
TRAVELS
MONEY TRANSFER
AL WALEED SALON
CRUISES
Address: 1835 Lawrence Ave. E. Tel: (416) 759-6999 | Cell: (647)-702-4999
Jane and Finch Mall, 1911 Finch Ave W, North York, ON M3N 2V2 Web: www.flycentral.ca
MISSISSAUGA
816 Brita nnia Rd W est, Unit Tel: (905) #103 & 10 567 5677 4 Mississ | Web: w auga, ON ww.silver L5V 0A6 spoononl ine.com
Love & Unity Culture Shop
Address: 2030 Ellesmere Rd. Unit 4 | Tel: (416) 879.0683 E-mail: love&unity@hotmail.com
MILTON www.pearsonvision.com
Our Fleet
SEDAN
SUV
ACCESSIBLE
2570 MATHESON BLVD E, Suite 211, MISSISSAUGA ON L4W 4Z3, TORONTO, ON, CANADA. Phone: 1-855-661-1577 | Email: info@pearsonvision.com
Address: 500 Laurier Ave, Unit # 15 Milton, ON L9T 4R3 Tel: (905) 567-5677 | Web: www.silverspoononline.com
BRAMPTON
TAKEOUT & CATERING
6055 Steeles Ave E, Scarborough, ON, M1X 0A7 PH: (647) 947-2864
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10% DISCOUNT
Address: 249 Queen St E, Unit C Brampton, ON L6W 2B8 Tel: (905) 567 5677 | Web: www.silverspoononline.com
MB BUSINESS MAGAZINE MAY 2016
MBE
inc.
Technical Support & Customer Service
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%
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.
EARN EXTRA Income with our self-serve cash load program.
PARTIAL PLACEMENT With this program, all you do is keep the ATM machine supplied with cash. Any money that customers withdraw is automatically redeposited into your bank account every 24 hours.
MOBILE ATM'S Available for Mega Events
EARNINGS Contact us 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
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.
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OLUBUNMI OGUNNIYI
LL.B (Hons), B.L, LL.M, BARRISTER, SOLICTOR & NOTARY PUBLIC
FORECLOSURES PURCHASE & SALE CIVIL LITIGATION Have You Missed a Mortgage Payment? Or Have You Received a letter from Your Bank? We Stand Up for the Home Owner!
LIVE
WORK
STUDY
OUR SERVICES: Wills Affidavits Corporate Family Law Real Estate Immigration Commercial Civil Litigation Power Of Attorney
OLUBUNMI OGUNNIYI, Barrister & Solicitor, 2680 Matheson Boulevard East, Suite 102, Mississauga, ON L4W 0A5 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 78
MERCHANT FIRST CHOICE FOR PAYMENT PROCESSING
E-COMMERCE 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.
MOBILE Take payments on the go with and 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-mail: info@greatpos.ca | Tel: 1-855-669-6227 | Fax: 1-866-204-6888 Web: www.greatpos.ca 79
Helping you is what we do.
Our Listing Package Includes Free*:
BROKERAGE INDEPENDENTLY OWNED & OPERATED
Lawyer Fees Open Houses Virtual Tour Home Staging Coloured Property Feature Sheet Pre-listing Home Inspection Report Advertisement In Our Monthly Magazine Comparitive Home Analysis Home Evaluation Professional Photography Of House *Some Conditions Apply
EXCEPTIONAL REAL ESTATE SERVICES