HAPPY LABOUR DAY - MBE BUSINESS MAGAZINE by MBE BUSINESS MAGAZINE

ISSUE 57 | AUGUST / SEPTEMBER 2020

HAPPY

LABOUR DAY

MOTiVATiONAL STRATEGiES DURiNG THE COViD-19 PANDEMiCSyed Mansoor Ali Naqvi PRE & POST COViD-19 pg.06

THIS MONTH FOCUSING ON Business Ideas for curious minds

COVID-19 Pandemic Recovery Process Dramatically Shifts ‘Covid-19’- A Vaccine Canadians’ Spending for Climate Change Habits

Rise in Minimum Wages in B.C. Amid Covid-19 Business Challenges

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Thinking or Should I Say

Siva Kandiahn

Motivational Strategies...

Contingency Planning

Introverts vs Extroverts

Horoscope

Coronavirus Reveals

Labour Day

AutoBiography

Minimizing the Risks

Zoom Benefits

Reopening Canada

Even During Times of CrisisMBE

Economic Inequality P4(a ii)

CONTENTS Syed Mansoor Ali Naqvi

Syed Mahmood Naqvi

Syed Alamdar Hussain

Syed Mansoor Ali Naqvi

Stuart Himmel

Interview

MBE Digital Media Marketing

Leo- Taurus

MBE Digital Media Marketing

Stuart Himmel

David Ralph

Reopening the Canada-Us Border Will Be A...

Event Calendar August September

Restarting the Coronavirus Economy: A Step By Step..

EDITOR'S LETTER Dear readers, 57th edition of MBE Business Magazine has been published for the months of August and September. We can see a ray of hope, people started recovering from corona virus pandemic, businesses are reopening now and world is coming to its new normal. Our people have shown great strength and steadfastness in fighting with this pandemic. In this issue we have covered articles related to pre and post Covid-19 motivational strategies by our president Mr. Mansoor Naqvi. During covid-19 people are working from home and use of social media and online services have increased significantly. Mr. David Mackereth, President Canimac Management Services Limited provided his overview on economic inequality revealed through quotes and numbers. This issue includes interview of seasoned insurance professional and CEO of Royal Brokers Corporation Mr. Siva Kandiah. We have covered Victoria Day & the life of Queen Victoria. As always, we hope this issue will be an informative and entertaining experience for our readers and that it will live up to your expectations. Our team continues to work tirelessly to improve and refine our business magazine.

Publisher MB Enterprises Editor-in-chief Aurora Zabala Senior Editor Peter Z. Vaisey Managing Editors Steve Montgomery Mahmood Naqvi Design Cynthia Tolson A. Khan S. Saad Production, Technology & Print Simon Wilson R.J Advertising S. Hassan Shoeib Kamal Administration Alamdar Hussein Erum Asghar R. Adil HOW TO REACH US

You will find this issue more interesting and informative then before. As our team have worked tirelessly to bring this issue on digital and social media. We have launched our magazine website. So it will reach to maximum people via electronic media.

Website: www.mbeforyou.com Feed-back: 1-866-667-1377 E-mail: info@mbeforyou.com Mail: 100 Dynamic Drive, Unit 104, Scarborough, ON, M1V 5C4. Fax: 1-866-204-6888

Your feedback is highly valuable to us. If you have suggestions or comments feel free to call us at 1-866-667-1377 or email us at info@mbeforyou.com to tell us what you think about this issue.

MBE Business Magazine is a monthly issue business magazine published by MBE. Inc. Ontario, Canada.

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Printed by Vision Printers

Thank you, Aurora Zabala, Editor In Chief.

Contents ÂŠ Copyrights 2017 by MBE, may not be reprinted without written permission. Subscribe / Unsubscribe or Advertise by emailing us at mbe-marketing@mbeforyou.com

Motivational Strategies during the COVID-19 PandemicPre & Post Covid-19

Syed mANSOOR Naqvi

PRESIDENT MBE During the pandemic COVID-19 most of the companies have

This is precisely because you are missing your team as well

been operating from remote environments instead of working

as there is a huge communication gap. Communication while

from their office. These remote areas are mostly homes for

working from home is dependent solely on digital media.

most people even though offices in Canada are now in the

Hence, this is a scenario that is not desirable for some

opening-up process. Canada, just like the rest of the world has

people, even though most people are highly acquainted with

seen immense amount of set-backs that have dented the

digital communications.

economic conditions of the country. However, the pandemic has revealed many loopholes and has emerged as an opportu-

2. CARVING OUT TIME FOR WORK & FOR RELAXATION:

nity for many people at the same time.

Carving out time for work and for relaxation and keeping a balance is how it works out. Working from home sometime

It has highly revealed that how people can use their motiva-

needs more concentration than while you are working

tions and set positive targets for their future growth. There are

regularly from the office as your environment is consistently

many offices in Canada that are still operating and working

placed in your mind. It helps in bringing a positve attitude

from home as they are strictly following the COVID-19

attitude and also is a huge boost for your career management

regulations as far as possible.

options. As there can’t be a replacement, however, there can be a solution in case of scenarios like COVID-19.

The motivational strategies to keep improving work from home and for self-improvement purposes is a necessity.

For some people working from home can be flexible. However, one pro of working from home is that you can fully

1. SETTING SMALL DAILY TARGETS:

edmbrace when you do your best work. Hence, if you are

Setting small daily targets helps in a huge manner to move

most productive in the early hours of the morning, you should

towards getting bigger targets. Working from home helps in

prefer getting up early while your pace can change later in the

brainstorming at a higher level in making decisions and helps

day. Hence, working early hours can also help you stay

with focusing. Setting small goals daily is always a helpful

focused as well as you will stay close to your normal 9-5 work

technique in achieving what you are looking for with regards

routine.

to your personal development plans. Your progress and your attitude highly depends on your positive thinking at work

3. SCHEDULE VIRTUAL GET TOGETHER WITH FRIENDS:

which you can easily practice remotely. Setting small targets

Scheduling a virtual get together with friends and colleagues

also means that you know your responsibilities and you care

will always motivate you while you work virtually. Hence, the

for your company and your job role. It not only brings diversity

power of digital media holds huge significance while working

in your knowledge outcomes, but it also helps in lifting your

effectively from home. Social distancing doesn’t mean that

attitude of success.

you have to totally say goodbye to a social life. You can’t cut

MBE BUSINESS MAGAZINE AUGUST / SEPTEMBER 2020

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

out from the whole world totally, however, you can keep a

social media, or playing video games will definitely help your

balance while interacting with people & your colleagues.

mental health positively.

Planning other activities outside of work is good for your

Finally, itâ&#x20AC;&#x2122;s important to keep yourself updated and educated

concentration, for example planning Zoom Happy hours on

regards to your career and growth options. Stay informed

Friday evenings to celebrate getting through another week, or

from reputable resources, but avoid getting wrapped up in

a virtual game night on Saturday. Hence, making the best use

constant news coverage. This is something that will only

of virtual/digital media with good effect and emotional

heighten your anxiety levels and might also give you insom-

intelligence is the need of the hour.

nia. Improve your sleeping habits as well as work from home is the best way to stay close to a balanced life-style.

4. PRIORITIZING YOUR MENTAL HEALTH: Giving huge priorities to your mental health is yet another distinguished task during the pandemic COVID-19. It has been a cause of huge and significant issues of mental health due to staying away from work & bearing losses. While getting free from work, involve yourself daily in meditation and yoga activities. Having a strict walking, jogging or any exercise routine will definitely help you keep yourself focused. Thinking apart from the pandemic and training your mind to solve your mental issues should be the priority. Allowing yourself some moderate hours enjoying the television and

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

MBE BUSINESS MAGAZINE AUGUST / SEPTEMBER 2020

Introverts vs Extroverts: How Personality Traits Affect Working from Home SYED MAHMOOD NAQVI Vice President | MB Enterprises

The importance of working from home

‘INTROVERTS VS EXTROVERTS’

has been highly signified lately

A study in the University of Toronto

PERSONALITY TRAITS:

especially in circumstances of

shows that it makes sense to think

Introverts are generally found to be

COVID-19. The importance of

about introversion as being one of the

shy people who prefer to keep a small

personality traits while working from

personality traits. This is a trait that

circle of close friends according to the

home is a matter of great concern and

can easily help in adaption in working

study in the University of Toronto. They

creates a huge difference. This

from home. The idea is simple,

are generally people who prefer

depends on the type of personality,

Introverts generally don’t have any

independent activities and likely won’t

whether it’s an introvert or an extrovert

issues working from home in most

struggle being away from their

personality. For an introvert person it’s

circumstances as they prefer silent

colleagues.

something that depends on the nature

activities. The study has also shown

of employee’s work as he/she can

significantly that introverts are not

Extroverts on the other hand tend to

cope with working alone at home due

people who want to be the ‘Center of

be highly expressive and outgoing.

to the personality trait.

Attraction.’ On the other hand

They enjoy their center of attention

extroverts are people who can have

and their preferences are making

On the other hand, an extrovert can

problems working alone as they like

broader connections while at work. In

have some trouble while working from

mingling at work and being the ‘Centre

most circumstances extroverts are

home due to the nature of personality

of Attraction’.

people who get their energy levels

that is more outgoing and friendly.

MBE BUSINESS MAGAZINE AUGUST / SEPTEMBER 2020

from the outside world to some extent W W W. M B E F O RYOU. C O M

that’s been cutoff. However, it’s

types of personalities. Whether it’s the

colleagues most often, especially the

important to look for in assessing an

‘need of the hour’ or a Govt. order,

ones that are more extroverted. This

employee’s skills, that how they can

people need flexibility at higher levels

will help you work positively with a

be best suited to work from home. The

for better impacts. There are huge

balanced attitude.

characteristics of openness can have

chances that the psyche of a person

a huge impact on how a person will

is highly affected and may begin to

USEFUL TIPS FOR EMPLOYERS:

behave while they are working from

flip.

The employers play a huge role in

home. This is critical especially if they are doing so for the very first time.

determining who needs to work from This is another aspect that can be a

home and who is best suited to stay in

cause of changing behaviors that are

the office environment. This is mainly

The factor that is highly determinant in

opposite to their original personality.

due to the current pandemic situation

assessing the type of personality traits

Hence, this can also affect energy

that can change with the passage of

is the emotional stability factor.

levels especially for people who are

time. However, a good analysis will

‘Emotional stability’ holds paramount

extroverts and enjoy their energies

definitely be of great help in similar

importance due to the personality of

through mingling with people.

circumstances in the future.. Manag-

the person and how it’s affecting the work from home syndrome.

ers must think strategically while USEFUL TIPS FOR INTROVERTS:

making a decision.

Introverts are people who often WORKING REMOTELY DURING A

become too absorbed in their work

Managing stress situations in the

GLOBAL PANDEMIC:

patterns. This can easily lead to

office is also a highly critical and

Working remotely during a global

lacking a balance between work-life

determining factor for employers.

pandemic can be challenging and

and personal life. Such a situation can

Employees with lesser emotional

interesting at the same time. It’s a

arise even if introvert people are

stability should be catered differently

matter of fact that the pandemic is a

working from an office environment

especially to manage stress at work.

situation that is highly regarded as a

instead of working from home.

A better way is to involve employees

health issue that needs social

with more proactive communication in

distancing and quarantine. Hence, for

The best thing for introverts is to take

form of weekly phone calls. Also,

people working from home, a balance

usual breaks during the day, even if

making sure that employees are

in personality trait i.e. introvert and

you have to extend your original

enjoying working at home and have

extrovert shall help people with both

working hours. Stay in touch with your

adequate technological resources.

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

MBE BUSINESS MAGAZINE AUGUST / SEPTEMBER 2020

Coronavirus Reveals the Power of Social Networking SYED ALAMDAR HUSSAIN Country Head - MB Enterprises

Coronavirus, the pandemic that has

revealed the fragile nature of

been a cause of many deaths lately in

COVID-19. Social media also helped

the world has significantly revealed

communities in mobilizing themselves

POWER OF SOCIAL MEDIA:

the power of social networking e.g.

in reaching out to isolated areas and

The power of Social media especially

Facebook. The site Facebook has

people to solve their problems. All this

Facebook has been significantly

been in constant use for media

was made possible through groups

demonstrated worldwide in the

exposures, awareness campaigns,

centered awareness on WhatsApp

shortest possible time. Facebook live,

online buying and selling due to lock

and Facebook. Both of them were

Facebook chat and Facebook

down and many other campaigns that

used immensely worldwide for the

constant posts has helped in the

are active daily on Facebook.

control of activities in various geo

awareness campaigns for those

locations.

millions of users who are high-users

Despite the fast spreading of the

need are already in place.

of the social networking giant. It has

pandemic, people took early action to

‘Group sourcing’ is a term that is

through campaigns helped people in

protect themselves, their families and

derived from ‘outsourcing’ that has

remote areas during COVID-19,

their communities. Hence, social

been used to describe this phenome-

created awareness campaigns at a

media especially Facebook played a

non of making groups and creating a

globalized level and has been a

huge role in the early awareness

group awareness. Most users of

significant stakeholder in charity

campaigns for the pandemic Coronavi-

Facebook are highly familiarized with

campaigns. Many businesses during

rus. Some people reacted with a panic

the communication systems of social

the lock-downs have used Facebook

buying and stockpiling of goods that

networks and the friend network they

for media campaigns marketing of

MBE BUSINESS MAGAZINE AUGUST / SEPTEMBER 2020

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

their products and buying and selling

and how they have tackled the

others that shook the world by

activities during the lock-down.

situation with respect to career

surprise. However, COVID-19, the

aspects. COVID-19, a cause of many

pandemic that originated from Hubei

Public gatherings of media gurus and

job losses has not only been a

Province, China caused the most

press conferences from the global

devastation, but also a trend-setter in

devastations in history than any other

leaders are the most viewed

determining the power of digital media

pandemic known.

segments on Facebook most recently.

and social networking mediums.

People can easily share their thoughts

According to most facts and figures,

regarding a live program, give their

WHY ‘GLOBAL-AWARENESS’ IS NECESSARY?

Social media has never made

own suggestions as to what else can

The global awareness regards to a

awareness of a pandemic at such a

be done to fight against the pandemic

pandemic and the history that relates

globalized level before than it has

and global level awareness

to it is necessary to highlight the

done for COVID-19. This is significant-

campaigns on what pandemic are

associated trends and behaviors

ly because the pandemic is active in

generally. All these measures has

during the disease. What happened in

the era of the ‘Power of social media’,

been a phenomenon in controlling the

the past? How it happened? And how

and is equipped with most destructive

amount of death rate in many

most people were able to react to

intensities as compared to other

countries including United States, and

changing situations during a pandem-

pandemics. However, while we are

some European countries that

ic is important to know. What’s more

fully aware of the symptoms and the

includes U.K and Italy. The social

important is the awareness of the

consequences of Coronavirus, it is a

media giant Facebook, gave a new

unseen, as it is medically proved that

necessity to keeping updating

dimension to what exactly a social

social distancing, washing hands

ourselves on the social media regards

awareness is and preventive measure-

constantly for 20 seconds, and

to the hazards of the pandemic. Also,

ments that are a necessity. Being part

wearing a mask, especially at public

finally the measures that can be taken

of the daily life of many people,

places has been a huge factor in

to combat its fatal consequences.

through Social media, people are able

controlling the pandemic. It has its

“Health Is Wealth’, a phrase that will

to highlight the thoughts of most

similarities to a history of pandemics

always help in taking self-measures

influential people, their daily routines

that came in the past that includes

and protective campaigns against

in these current time of Coronavirus

E-bola, Bird-flu, HIV Aids, and many

COVID-19.

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

MBE BUSINESS MAGAZINE AUGUST / SEPTEMBER 2020

SYED MANSOOR ALI NAQVI

AUTOBIOGRAPHY â&#x20AC;&#x153;As a mentor a person gets paramount importance from their followers, but success comes from true following & demonstration of work- MENTOR â&#x20AC;&#x201C;CHAPTER 11â&#x20AC;? The Autobiography of Mr. Syed Mansoor Naqvi, The man who made it possible just with a vision and a dream in his eyes.

â&#x20AC;&#x153;A Successful Canadian Entrepreneurâ&#x20AC;?

Zoom Benefits from The Covid 19 Pandemic STUART HIMMEL Zoom Video Communications Inc.

Staff Writer

has tripled since the start of the year.

has demonstrated that paying customers have flocked to its virtual

CEO Eric Yuan has tried to ensure

meeting software, turning the once

that the virtual meeting platform can

niche app maker into a popular, can’t

cope with the increase in demand

do without, communication service

from people staying at home to

enabling it to grow as the nature of

thwart the spread of Covid-19. While

work, school and life is upended.

security and privacy issues plagued the system in the early stages of

Zoom reported that sales soared in

people being quarantined, Zoom has

the three months ended April 30th,

become an essential service to more

when Covid-19 spurred a wave of

than 300 million participants on some

stay at home orders for millions of

days, up from 10 million in Decem-

people. The company expects the

ber.

trend to continue the rest of the year

gatherings for as long as 40 minutes

and projected that revenue and

for no charge. While Zoom has

profits will be well ahead of investors’

attracted more buzz that their

earlier expectations.

corporate competitors, the results

The software maker allows

suggest it can attract paying clients A shift in work culture triggered by

needed to compete against services

the pandemic has urged corporations

offered from Microsoft, Cisco

to move ahead with cloud based

Systems and Google.

video conferencing tools. Zoom’s technology and strong brand

With the gradual lifting of stay at

recognition should help the company

home orders may cause fewer

pick up market share in video

people to use Zoom’s software, the

conferencing outpacing the industry.

company said it hasn’t seen the numbers decline in areas that have

Sales in the current quarter will be

reopened. Many educational institu-

close to $500 million with revenue in

tions that teach through Zoom have

the 3rd and 4th fiscal quarters should

decided to host virtual classes at

be consistent with that performance.

least through to the fall, pointing to a

Overall Zoom expects to generate as

strong demand for the app for the

much as 1.8 billion this fiscal year,

rest of the year. To continue growing

which is almost triple the size of last

at such a rapid pace, Zoom will sell

year’s business stated CFO Kelly

its Phone Software and Rooms

Steckelberg. The stock in early June

hardware products to existing

hit a record high of $208.08 which

customers.

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

Revenue in the first quarter increased about 170% to $328 million. Analysts had expected $203 million. The company expects adjusted profit in the fiscal year will be $355 to $380 million or $1.21 to $1.29 a share well above the estimated .46 cents analysts had predicted.

MBE BUSINESS MAGAZINE AUGUST / SEPTEMBER 2020

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Even During Times of Crisis, There is no Slowing Down the Big 3 STUART HIMMEL Staff Writer

While Covid-19 has brought the world

going into the crisis also happen to

it reasonable to expect that large

to its knees, Microsoft, Apple and

have the most resilient business

companies will emerge in an even

Amazon seem to be immune to what

models because they can do

more dominant position while the

is going on. The demand for their

everything on line. Amazon which is

death rates of small businesses is

shares has only increased by a crisis

one of the most successful business-

likely to be high.

that seems tailor made for their future

es in the US continues to process

success.

orders at a record rate.

Even as analysts have lowered

Microsoft, Apple and Amazon are all

severe. The Nasdaq 100, an index of

expectations for all three companies

sitting on mountains of cash that will

the largest tech companies in the

quarterly earnings, their stocks are

make them largely immune to funding

world, is up 1.2% this year. The

climbing. Their combined value rose

squeezes being felt by other compa-

Russell 2000 Index which tracks

more than Âž of a trillion dollars over

nies. Investors are telling you that the

small public companies is down 23%

the past month. Investors are betting

bigger, stronger, more stable balance

more than double the 11% in losses

that the Covid-19 crisis has accelerat-

sheet is going to win vs its smaller

for the S&P 500.

ed the growing power of the big

competitors.

companies inclusive of the big 3 plus

The difference in investor expectations for large and small companies is

three. The firms that were the top dogs

MBE BUSINESS MAGAZINE AUGUST / SEPTEMBER 2020

The top five

Alphabet and Facebook account for As a result of Covid-19, the depth of

20% of the index. The shares of all

the current economic decline makes

five companies are up more than

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

20% since the market hit its recent low in March of 2020. The current surge of mega cap stocks suggest that many investors expect those companies to expand even more after the current economic implosion , in which smaller companies are widely expected to be the hardest hit. Small cap companies (those included in the Russell 2000) carry more debt, making them vulnerable to having financing cut off by bond markets. They are less globally diversified, making them heavily dependent on the performance of the economy. At the same time, the quirks of the Covid-19 crisis, plays to the business strengths of the big companies that were already the largest players. Amazon’s combination of on-line retail and cloud computing services for companies seems optimized for a work from home economy. Apple’s devices are a crucial part of mobile computing and even though I-Phone sales are expected to slow this year because of a downturn in shopping, analysts are projecting a robust bounce back next year. Microsoft’s corporate software packages, Azure Cloud computing services and video gaming all could grow stronger in work from home environment. James Breece, one of the principals at Spears Abacus, a New York money management firm, doesn’t believe that Microsoft or any of the large tech companies will be completely immune to the economic downturn. But he is betting that their financial stability will allow them to avoid layoffs and continue investing in product development and research during the downturn, helping them stay afloat of the competition. What you saw in 08 and 09 was that companies that were able to continue to invest came out the other side and actually accelerated their growth relative to their competitors.

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

MBE BUSINESS MAGAZINE AUGUST / SEPTEMBER 2020

Economic Inequality Revealed Through Quotes and Numbers

The Infinitesimal versus the Illimitable: Big Business, Big Government and the ‘Marginalized Electorate’ – Part Four (a) (ii)

DAVID RALPH MACKERETH dmackereth@canimac.com

THIRD WORLD DEBT AND THE MARSHALL PLAN

was founded in Belgium. It’s aim, as recorded at Wikipe-

In 1948, the highly successful U. S. Marshall Plan (also

dia.org is: “[…] radically transforming the world’s institutional

known as The European Recovery Program) transferred over

and financial framework; protection of human rights; strength-

US $22 billion in foreign aid to assist the rebuilding of

ening of citizens’ movements and activism; and pressuring

Western Europe after WW II, and was allocated as follows:

political leaders to implement human rights guarantees […].” And as John Ralston Saul indicated above, the Developed

United Kingdom

26%

World apparently did not consider the very serious conse-

France

18%

quences of interest and loan payment default by the Develop-

West Germany

11%

ing Countries, as any prudent lender should have done. In

13 other European Countries

45%

fact, in order to make the base interest payments, many of the Developing Countries are instead being asked to reduce

“Our policy is directed not against any country or doctrine but

the basic everyday necessities of their populations to provide

against hunger, poverty, desperation and chaos. Its purpose

the cash to make these oppressive debt interest payments.

should be the revival of a working economy in the world so as to permit the emergence of political and social conditions in

“Victory breeds hatred, for the conquered is unhappy.”

which free institutions can exist.” George C. Marshall (1947)

Gautama Buddha (c.480 BCE – c. 400 BCE)

“Most basic of all was the question: what will happen if these

“Has commerce hitherto done anything more than change the

massive loans from the West do not provoke Third World

objects of war? Is not the love of wealth as domineering and

prosperity, and the poor nations are therefore unable to repay

enterprising a passion as that of power or glory?” Alexander

their debt? No one asked.” John Ralston Saul (4)

Hamilton (1755 or 1757 – 1804), No. 6 of The Federalist Papers

If those countries who are heavily invested in the arms industry spent a half, a third or even a quarter of the world’s

As the Earth heats up, the Developing Countries will require

military spending (US $ 1.9 Trillion), along the lines of The

even more assistance from Developed Countries, as indicat-

Marshall Plan assisting the Developing Countries: the entire

ed in ‘The Uninhabitable Earth’: “For the world’s poor,

Planet could become much safer, friendlier, and the popula-

recovery from storms like Katrina and Irma and Harvey,

tions of the Developing Countries could have their living

hitting more and more often, is almost impossible.” (5)

standards substantially increased. These tremendous human

Political Geography will start to dominate the news, as Peter

benefits would be achieved without increasing taxes, One

Zeihan instructs in his 2016 ‘The Absent Superpower’,

Dollar, in those Developed Countries currently providing

“Geopolitics is ultimately the study of the balance between

military support to areas not directly affecting their popula-

options and limitations. A country’s geography determines in

tions. Five of the Top Ten military spending countries include:

large part what vulnerabilities it faces and what tolls it holds.”

United States, France, United Kingdom, Germany and Japan - all supposedly peaceful countries.

ANALYSIS OF THE US TOTAL DEBT “It is agreed on all sides, that numbers are the best scale of

In 1990, the Committee for the Abolition of Illegitimate Debt

MBE BUSINESS MAGAZINE AUGUST / SEPTEMBER 2020

wealth and taxation, as they are the only proper scale of

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

representation.” James Madison (1751 – 1836), No. 54 of

There are two ways of looking at the numbers in this chart: 1)

The Federalist Papers

the U. S. debt would now approximate 8 Trillion USD, if these expenditures had not been made (the case can be put forth

“The best things in life really are free! Love, knowledge, art,

that none of these items were justifiably necessary) OR 2)

music, literature, community have no bottom line.” Daniel J.

imagine what the U. S. would be like now, if the $15 Trillion

Boorstin, The Amateur Spirit (1990)

USD Debt sub-total had instead been invested in healthcare, education, and infrastructure, for example. More than likely,

“What is debt anyway? A debt is just the perversion of a

America could now represent the very best country to live in,

promise. It is a promise corrupted by both math and

instead of a 27th ranking from the ‘Inequality-adjusted Human

violence.” David Graeber, Debt: the First 5,000 Years (2011)

Development Index’. Nonrealistic Debt seriously affects those who have not incurred that debt, as Michael Lewis warned in

Estimated Expenditures Generating the U. S. Debt, in 2019

his 2011 ‘Boomerang’: “When you borrow a lot of money to

Dollars: (A)

create false prosperity, you import the future into the present. […] Leverage buys you a glimpse of a prosperity you haven’t

Vietnam War

1 Trillion

really earned.”

Iraq War

2 Trillion

Afghan War

2 Trillion

“While communism is the control of business by government,

2008 Financial Bail-Out

1.5 Trillion

fascism is the control of government by business.” Robert F.

Corporate Tax Breaks (Past 20 Years)

3 Trillion

Kennedy, Jr. (2004) (6)

Wealthy Tax Breaks (Past 20 Years)

3.5 Trillion

Additional Interest Costs (on the above)

2 Trillion

(4) Voltaire’s Bastards: The Dictatorship of Reason in the

Sub-Total

15 Trillion

West, by John Ralston Saul (1992)

General Government Expenditures

8 Trillion

(5) The Uninhabitable Earth – Life After Warming, by David

Approximate Total of U.S. Debt

23 Trillion

Wallace-Wells (2019)

(A)

These amounts are rough estimates, and are only

(6) Crimes Against Nature – How George W. Bush and His

presented to provide a more relevant and understandable

Corporate Pals Are Plundering the Country and Hijacking Our

guideline for discussion on the major components of the U. S.

Democracy, by Robert F. Kennedy, Jr. (2004)

Debt.

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

MBE BUSINESS MAGAZINE AUGUST / SEPTEMBER 2020

AUGUST - SEPTEMEBR

EVENT 2020 CALENDAR AUG 3

MONDAY

Heritage Day in Canada Heritage Day is celebrated in Alberta on the first Monday of August each year. Although it is not a statutory holiday, many Canadians in Alberta use this day as an optional holiday to celebrate the province’s heritage.

AUG 3

MONDAY

Civic/Provincial Day in Canada

AUG 3

MONDAY

New Brunswick Day in Canada

AUG 3

MONDAY

British Columbia Day in Canada

The first Monday of August is a holiday for people in many parts of Canada. It is a statutory holiday in some provinces and territories but in others it has another legal status. It is often called the August Holiday, Civic Holiday, Provincial Day, or other local names, such as Terry Fox Day in Manitoba.

New Brunswick Day is a holiday in the Canadian province of New Brunswick on the first Monday of August. It is a chance for people to strengthen their local communities by celebrating their achievements, history, culture and landscape. Many towns hold "birthday" parties for the province.

The first Monday of August is known as British Columbia Day, BC Day or B.C. Day, in the province of British Columbia. It is a statutory holiday and gives Canadians in the province the chance to celebrate their achievements or relax with friends and family members.

AUG 17

MONDAY

Discovery Day in Canada

AUG 20

THURSDAY

Muharram/Islamic New Year in Canada

Yukon’s Discovery Day is celebrated in territory of Yukon, Canada, on the third Monday of August. Also Klondike Gold Discovery Day, it commemorates the anniversary of the discovery of gold in Yukon. It differs from Newfoundland and Labrador’s Discovery Day, also known as Cabot 500 Day.

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

SEP 7

MONDAY

Labour Day in Canada Labour Day in Canada is celebrated on the first Monday of September. It originally gave workers the chance to campaign for better working conditions or pay. The day is now part of a long weekend for many Canadians.

MBE BUSINESS MAGAZINE AUGUST / SEPTEMBER 2020

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

SEP 19

SATURDAY

Rosh Hashana in Canada

SEP 22

TUESDAY

The September Equinox

Many Jewish Canadians celebrate Rosh Hashana (or Rosh Hashanah), which is also known as the Jewish New Year. Rosh Hashana starts on the first day of Tishrei (or Tishri), which is the seventh month in the Jewish calendar, and may last for two days. It is sometimes called the Day of Remembrance or the Day of Blowing the Shofar.

There are two equinoxes every year – in September and March – when the Sun shines directly on the Equator and the length of day and night is nearly equal.

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

R I T F E E P S I F A G C O M E F I R A C P N A M E B A N I L K F E E D I H I V A C E Y E

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MBE BUSINESS MAGAZINE AUGUST / SEPTEMBER 2020

Thinking or Should I Say “Eating Outside the Box STUART HIMMEL Staff Writer

As the owner of Paramount Fine

The unconventional concept for a

The concept removes the need for

Foods with more than 60 locations

restaurant is his latest addition to the

servers by connecting the customer

across North America,

Toronto food scene. He is trying to

directly with the kitchen and allowing

Mohamad Fakih knows a thing or two

capitalize on the fact the people are

the company to put more money

about restaurants. His newest

tired of being at home and eating

toward hiring kitchen staff. It also

venture, Box’d is Toronto’s first fully

prepared meals. He’s hoping that

creates an environment for social

automated restaurant designed for

people want to get out and dine after

distancing dining which will be

life during the global pandemic.

being locked up for close to three

something that will be all too common

months.

going forward in the restaurant scene.

He wants to make two things

Fakih feels that people are still a bit

perfectly clear. Firstly, the food will

At Box’d, customers will order their

wary of eating in public places which

not be made by robots. “We have

food in advance using a mobile app

is why he created a dining option

actual people working in the kitchen

or through a digital kiosk at the actual

which is fast, efficient and safe.

and preparing your food. We will

location. The customers are notified

employ more people in the kitchen

when their food is ready and to pick

The opening of Box’d reflects the

than usual and lastly and most

up their meals from a wall of digital

entrepreneur’s eye for social

importantly, we will maintain good

cubbies and shelves that divide the

conscious business ventures. Fakih

customer service despite the lack of

dining area from the kitchen.

feels that what we are doing is right

servers”.

MBE BUSINESS MAGAZINE AUGUST / SEPTEMBER 2020

for the moment. He feels that certain

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

restaurants will continue to struggle but those places selling pizza and hamburgers will continue to do well due to the convenience of the type of food and the swiftness of being able to get in and out of the restaurant. With consultation from Toronto Chef Tomer Markowitz, the menu will consist of lunch and dinner selections that include vegan and vegetarian options that are a staple of Paramount’s current offerings. The restaurant will list four options – chicken, kafta, steak or Portobello mushrooms that mix protein with a combination of grains such as rice, couscous and lentils with salad and humus. Prices range from $5.99 for appetizers to $10-$16 for platters or wraps. Customers can order take out or eat inside at one of only 20 seats that are available to the public. Box’d isn’t the first company to consider automation. As a result of lockdown measures and financial constraints, restaurants and the food industry have been forced to find efficiencies in production hoping to reopen while adhering to food safety concerns. Some companies have turned to robotic automation to produce food as simple as pizza or coffee hoping to pacify the consumers’ needs to avoid human interaction while making the food. Pizza Hut’s website under the section of Covid-19 updates states “that your pizza leaves our 400+ degree oven and slides hands free into the box , so the only person who touches it after is comes out of the oven , is you”. Fakih is against too much automation. He is a people person and he believes in human interaction and he feels it is important for any business. He states “we have found ways to keep our distance, but that won’t stop us from greeting people at the door or making their food with care”.

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

MBE BUSINESS MAGAZINE AUGUST / SEPTEMBER 2020

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Canada is known for exporting and

the miserable employees that are

with only a couple thousand dollars,

importing a significant amount of

working in the fast food industry, and

and would provide information and

natural resources and finished goods.

create a robot with artificial

services for people who are looking to

However, the current process can take

intelligence that can perform the

find stuff out about brands. It would

many days or even weeks for

duties of the workers. For instance, a

publish how and if a company funds

something to pass through the border

simple menu with a touchscreen, and

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customs. That doesnâ&#x20AC;&#x2122;t even take into

the ability to understand words of a

agree with, or if it pays its employees

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human could replace several of the

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company uses a supply chain that

Canada. This business idea would use

increases, this idea is only going to

takes advantage of child labor, people

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owners. This would solve the problem

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the market.

MBE BUSINESS MAGAZINE AUGUST / SEPTEMBER 2020

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

News and Content Rating Site

helping others get settled to have a

Entrepreneurial Bootcamp Company

Fake news is a real issue, especially

successful life here in Canada.

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as emphasized like in other countries,

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however, it is still an issue. The news

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and content rating website business

programmers and coders in Canada.

they donâ&#x20AC;&#x2122;t know how and where to

idea would provide unbiased third-par-

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start. This is where the entrepreneurial

ty reviews of news and content

Vancouver and Toronto. This demand

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providers to rate them for their level of

comes from the weak supply of talent

One could use a franchise business

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that comes from the school systems,

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as there is not enough programming

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schools that give the students the

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many are forced to spend more time

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ence for teaching and coding would

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stressful. Again, this business idea can be started with little money if you have experience or passion for W W W. M B E F O RYOU. C O M

MBE BUSINESS MAGAZINE AUGUST / SEPTEMBER 2020

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INTERVIEW WITH SIVA KANDIAH

Royal Brokers Corporation

MBE BUSINESS MAGAZINE AUGUST / SEPTEMBER 2020

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

1. Can you please provide the readers with a little background about

4. How did you progress in your Insurance career and what were the keys

yourself?

to your success?

I was born and brought up in Sri Lanka. After completing my studies, I immigrated to Canada in 1984 in search of new opportunities. I started off by learning the language, and studying accounting. From there I began working at a bank for about 8 years which later led me to where I am today. 2. How did you start your Insurance career? While working at the bank, I had many clients come to me with complaints regarding their insurance policies mainly due to a lack of understanding which led to both amendment and cancellation processes. In light of this, I took interest in the field, to better understand the fundamentals and need for insurance myself so I could then further disseminate that

I have been in the insurance industry since 2000. From then

knowledge to the others around me and lend them a helping

until now, I myself and my company, Royal Brokers, have

hand. I then quit my job at the bank and opted to enter the

achieved a number of important milestones. Every year, I

field of insurance, whose market was in need on an individual

have qualified as a Million Dollar Round Table (MDRT)

basis. The later steps involved completing the required

member, and qualified for top industry conferences. In 2008, I

certifications, building a clientele, hiring and teaching agents

was named the #1 insurance agent for Royal Brokers, for

thus expanding my outreach- to now 4,500 individual clients

which I represented my entire community. The following year

as well as an exceeding number of corporate clients.

and many years after, I have qualified as the top table member of MDRT. In 2013, I completed my Charted Life

3. What were some of the early struggles you faced in your career?

Underwriter course which covers taxation, family law, and

When I first started out in this industry, I had a minimal

various aspects of individual and corporate insurance; I also

outreach with potential clients I could do business with but

took a certified health specialist course in addition to a

most of those also wound up falling through since people

Canadian security course. I have made it a goal to keep

have difficulties relying on a newbie who is still in the process

myself updated so I can pass this information on to my client

of learning- they didn’t know me or my work ethic so I simply

base and make sure they receive the best service.

had to choose others to do business with. By doing so, I was able to thoroughly and carefully explain my area of expertise

5. What advice do you have for young people that are looking to get

to new client- and they decided it made perfect sense to

involved in this career and the same industry that you have been so

invest in an insurance policy- and have me as their advisor.

successful in?

Upon noticing my steady rise to success, the same people

My advice to those freshly starting out their career would be

that initially doubted me, would ask for assistance in articulat-

to genuinely like and have an appreciation for the work you

ing the objective behind insurance. Because the client is

do, beyond seeing the field solely as a source of money. The

paying for something that is immaterial, and invisible, it is

goal should be to assist people and build up an asset that

complex understanding the purpose behind it but that is why

creates value and would bring safety and security for their

advisors are here to create and explain the value behind the

future. Insurance is not a field one can come into for the sole

policy that is being purchased.

purpose of doing business- you help people while earning a living- and that needs to be your primary goal; money will follow with hardwork. 6. What would you say to the people who do not understand insurance in a simple way? How it is relevant and important in Canada? Insurance is an important part of family life, it’s a basic and fundamental pillar just in the way it is fundamental to have shelter. A lot of people think they don’t need insurance because it is too costly and it isn’t necessary as part of family structure even when both husband and wife are working-still they feel they have insufficient means for an insurance policy.

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

MBE BUSINESS MAGAZINE AUGUST / SEPTEMBER 2020

But the important thing to take into consideration is that if two

the means to take care of any future needs if required (i.e.

people are working, and they don’t have enough money to

tuition). Your insurance then doubles as tax-free savings.

pay for insurance, what would happen if one person passes away or incurs an injury? Their income would be cut in half,

On the second point, you need to understand whether you

which would only create more problems in future. What would

need it for 10 or 20 years, or for longer. I’ve noticed that a lot

happen to their family life or their kid’s future, how would they

of people opt for $100,000 coverage plans for $100 per

manage? It is important to understand that every time they

month but they have to realize that 100,000 is only good

would wind up being short of money regardless. This is why it

enough to replace 2 years of salary. What about the future

is necessary to have set priorities- what is important?

after that? What I tell my clients is that if you can afford to put aside $50- $100 per month, always go for $500,000.00

If you can afford to pay $100 for insurance- choose the plan

coverage so that the family can remain secure in all cases. If

that meets your needs. When it comes to insurance, you have

you plan this in the beginning and you buy your insurance

to do 3 crucial things before finalizing a plan: 1. Decide how

accordingly, you won’t need to change your plan later on.

much you are able to pay per month; 2. Decide how long you

Lastly it is crucial to differentiate between the different plans

need it- i.e. 10 year term, 20 year term or lifetime term; 3.

your insurance company provides, whether that’s critical

Then, decide what type of plan. If one of these steps is

insurance or disability insurance or life insurance. Bearing

overlooked, the rest falls through and clients have a tough

this in mind, if you can put all those together and get good

time continuing any further with their policy. Firstly, it is

value for the plan then I highly suggest purchasing it.

important to choose a plan that is feasible for your budget. For example, for a family- if you can afford $100, it is better to

7. What is the common problem, that still most of the people are not

go for a 20 years term until your kids are grown up so by the

enthusiastic about Insurance? What makes insurance for individuals and

time they partake in undergraduate studies, you would have

families so important?

MBE BUSINESS MAGAZINE AUGUST / SEPTEMBER 2020

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

Due to a lack of communication between advisors and clients,

e-signatures, skype calls) versus five years ago when it was

and a lack of understanding about the insurance field, a lot of

necessary to meet with the client numerous times before

people don’t understand the purpose of insurance- they only

finalizing the policy. Now we’re giving all the information on

see the price being paid not that their coverage is also a

typesetting and there are minimal errors. Before clients would

viable means of saving money for the future. Secondly, it is

have to wait at least 1 month to finalize the policy, now they

important to assess policies carefully and cautiously. When

can get their answers within 24 hours because everything is

some people go shopping for clothes, they can spend several

online, within minutes the information is passed to the correct

hours looking for the perfect pair of shoes but when they’re

department and they will assess it, and within 24 hours the

buying insurance they tend to make their decision within half

process can be completed.

an hour or find something on a whim online, looking at the cheapest price- without assessing the quality. You have to

Furthermore, the industry is moving towards what is called

realize what the needs of your family are, how much can you

robo-underwriting, which means that clients don’t need to do

afford, is it good for you, how long can you use it, so many

all the medical tests, questionnaires, and they can still get all

things need to be carefully considered- and that sort of

the answers through social media. For example, last month I

perfectly tailored advice can be provided by the right advisor.

had applied for a young client’s insurance- he was a young fellow who said he did not drink or smoke. I applied for the

8. For a beginner as an individual and family what product do you suggest?

regular rate but he was rated for 50% higher than that upon

Whether individual or family, it all comes down to the income

applying and the reason for that was that his lifestyle activities

structure as well as the present and foreseeable needs. It is

were causing him to pay more money than originally planned.

important to plan for the future much ahead of time when

The client was very surprised to see that the insurance

choosing the right insurance plan so that you don’t need to

company found all this out from social media- and this was all

change plans down the line. In the case of family insurance, if

found out from robo-underwriting. What’s being said currently

you select a plan keeping in mind you may have young

is that within the next few years, this whole process will be

children, by the time they are 20 years old, they will most

systematized so that there will no longer be a need for

likely be finishing university, the family would have roughly a

manual intervention or questioning because robo-underwrit-

$500,000 mortgage—for this, they should consider at least $1

ing will have all the answers necessary- whether this client is

million of insurance to cover the mortgage and kids’ educa-

high, medium, or low risk.

tion; if anything were to happen, then at least until the children finish their schooling, their future would not be

10. Can you please end by leaving a message for our readers and others in

affected financially. So when you’re choosing a plan, and you

the community?

can afford $100, go for a term insurance which would cover

My parting message to the readers is that insurance may

until the kids finish school and the mortgage would also then

seem like it can wait, but it really cannot. It is a present and

be paid off.

future need; the sooner it is secured, the better, for you and your loved ones.

If a client is self-employed, making about $100,000— I would strongly suggest critical insurance which provides immediate

Credentials:

coverage up in cases of illness. Of their annual income, if a

Bachelor of Arts

client puts aside 5% for their critical insurance, they can get

Charted life underwriter (ClU)

lump-sum 200,000 – 400,000 that would allow them to

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A lot insurance companies are spending a good amount of money on updating their systems and technology. Everything is computerized now and you can complete applications without needing the individual physically present (i.e. through

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

MBE BUSINESS MAGAZINE AUGUST / SEPTEMBER 2020

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COVID-19 Pandemic Dramatically Shifts

Canadians’ Spending Habits WWW.PAYMENTS.CA

75 per cent of Canadians spending less than pre-pandemic;

A key driver for this decrease in spending is likely the impact

62 per cent using less cash; 42 per cent avoid shopping at

the pandemic has had on Canadians’ personal finances.

places that don’t accept contactless payments.

Nearly half (44 per cent) reported a decrease in income, and 51 per cent said the pandemic had a negative impact on their

OTTAWA, May 13, 2020 - New data from a Payments Canada

retirement savings or other investments. Additionally, 26 per

study on payment trends during COVID-19 reveals some

cent of Canadians indicated there had been a negative

dramatic shifts in Canadians’ payment preferences since the

impact on their ability to pay bills on time.

pandemic took affect in Canada. The study compared spending behaviours pre-COVID-19 and at week five of the

Beyond the overall reduction in spending, the study also

pandemic, uncovering higher use of contactless payments,

revealed significant shifts in payment methods and buying

electronic payments, e-commerce, online/mobile banking,

behaviours since the start of the COVID-19 pandemic:

and lower demand for cash. Using less cash, cheques and prepaid cards. Overall, 75 per cent of Canadians reported they were

62 per cent of Canadians reported using cash less than

spending less than pre-COVID-19. On average, Canadians

pre-COVID-19.

left home to go grocery shopping once a week, with 93 per cent indicating they stopped going out completely except for

40 per cent of Canadians who used to be weekly users of

necessities. For those who were leaving their homes, 42 per

cheques were using cheques less frequently.

cent say they avoided shopping at places that did not accept contactless payments, and 52 per cent tried not to exceed the

36 per cent reported using prepaid cards less.

contactless limit when buying something in-store. Using Interac e-Transfer, PayPal and credit cards more frequently. “The COVID-19 pandemic has highlighted the convenience of

31 per cent of Canadians who used to be weekly users of

everything digital, from video conferencing, on-demand

Interac e-Transfer reported using Interac e-Transfer more

entertainment, to digital payments,” said Tracey Black,

frequently.

President and CEO of Payments Canada. “Cash and cheque payments have declined dramatically, having been replaced

29 per cent of Canadians who used to be weekly users of

with contactless payments and other types of electronic

PayPal reported an increase in use of PayPal.

payments. While we have seen a continued shift towards digital payments over a number of years in Canada, there’s

28 per cent of Canadians who used to be weekly users of

no doubt that the prevailing pandemic has accelerated this

credit cards reported using credit cards more frequently.

shift - and will likely act as a catalyst in transforming the Canadian payment landscape forever.”

Focusing on contactless payment methods. With a focus on contactless payments, 53 per cent of

MBE BUSINESS MAGAZINE AUGUST / SEPTEMBER 2020

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

Canadians reported using card or mobile tap payment for

In total 1,504 Canadians, 18 years of age or older were

in-store purchases more often than pre-pandemic.

interviewed between April 17 to April 19, 2020. The findings in this report are sourced from a Leger\ACS survey, where

Accessing cash.

Payments Canada included some proprietary questions.

When it comes to accessing money, the study reports that 61 per cent of Canadians are using ATMs less. Using e-commerce to purchase more diverse products. Canadians are also rethinking where they make purchases, with 38 per cent using e-commerce platforms to get different products more often. Prioritizing food delivery services and tipping more. When it comes to food delivery, 26 per cent of Canadians were using food delivery services such as Uber Eats and Instacart more often than pre-COVID-19, and 29 per cent reported tipping more. About the study The payment trends during COVID-19 study was compiled by Payments Canada to help build an understanding of how the Canadian payments landscape has shifted in light of the COVID-19 pandemic.

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

MBE BUSINESS MAGAZINE AUGUST / SEPTEMBER 2020

CROSSWORD PUZZLE

CARPE DIEM ACROSS 1 Sushi condiment 7 "Star Wars" knight 11 Web address ender 14 New Jersey home of Walt Whitman 15 Beasts of burden that can take a yoke? 16 Word that can go before or after pack 17 First part of some sage advice (4 wds.) 20 Exploit 21 Some military helicopters, familiarly 22 Polly and Sally, to Huck 23 Netanyahu nickname 24 "ER" extras 25 Sage advice continued (4 more wds.) 33 Offer one's two cents 34 Off-color 35 Old name for Tokyo 36 Financial aid criterion 37 Lewis Carroll creature, or sarcastic comments 39 Legal rights org. 40 Where 24-Across might work 41 Tent door basically 42 Diarist Nin 43 Sage advice continued (5 more wds.) 47 Work unit 48 "Stop that!" 49 Harriet's real-life and TV hubby 52 100 smackers 54 Sweetie 57 Last part of sage advice (4 wds.) 60 On-line joke response 61 SeaTac postings 62 Stay out of sight (2 wds.) 63 George W. Bush Presidential Center lac. 64 Where the Vatican is 65 Most sound, in away DOWN 1 Teetotalor’org. founded in 1874 2 Contented sighs 3 fictional pirate 4 Personals and pop ups, e.g.

5 Place for a comb in 2 difference senses 6 Certain male demon 7 A young kangaroo 8 office phone nos.: Abbr. 9 “Gloria in excelsis__” 10 Babyhood 11 “__go bragh!” 12 Batty 13 Western tribe 18 Jockey strap 19 Sot 23 Tie up 24 Poolroom Triangle

23 25

25 26 27 28 29 30 31 32 37 38 39 41 42

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44 45 46 49 50 51 52 53 54 55 56 58 59

Child of fortune? “American__” Bottom lines Olives’s relatives Fast-sounding lens tyoe Bantu tribesman Study for final Financial page inits. Place for an ace Lennon’s in law Ousted Speaker Gingrich Like’s command, once: Abbr. X rating?

See previous issue answers on page # 21

MBE BUSINESS MAGAZINE AUGUST / SEPTEMBER 2020

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

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Contingency Planning if Cerb or Ei Runs Out? DMM DEPARTMENT

MB Enterprises

There is always a contingency

your bills. Temporary or permanent

planning that is sustainable for future

doesn’t bother much, however, the

and can have fruitful impacts on an

various fields includes nannies, retail

individual’s or a firm’s situation.

workers, musicians, servers, small

Similarly, there should be an active

business owners and many more in

plan when CERB or EI runs out and

various different lines of work.

there is a question mark hanging in

Improve your interview skills apart

front of you. As an individual you will

from your competence levels and you

have to decide what needs doing to

will never be left alone even in dark

encounter your financial barriers and

circumstances of Pandemic.

act fast in terms of the recovery process.

The best recommendations are signing up with job alerts, getting

Luckily, the CERB i.e. Canadian

registered on various job sites and

Emergency and Response benefit

applying for work on multiple-career

scheme was extended from a period

search engines. Another important

of sixteen weeks to a period of

step is getting hold of recruiters and

twenty-four weeks. This is not only a

also referencing free federal and

good recovery opportunity but is also

provincial resources. Also make sure,

an added advantage for the benefi-

if you are in a position to take

more efficient. Also, the sector of digital

ciaries of the scheme. Lastly, the

interviews than safety aspect is the

banking is a huge boost in demand for digital

thing is that it has to run out some

priority. Make sure that safety

media and workplace opportunities. This is

day as it is applicable for those only

measures are always taken into

more opportunistic approach as businesses

who qualify for the EI i.e. employment

considerations actively. Safety

like day homes, restaurants, and bars, travels

insurance in times of Pandemic.

assurance in these current times of

and events are the fields that will be

pandemic is the best possible

struggling for years to come.

LOOKOUT FOR WORK EVEN IN

positive approach.

DARK CIRCUMSTANCES:

A REDUCTION IN FIXED EXPENSES:

Being positive doesn’t help only as

CHANGING INDUSTRIES IF

Also, as part of the contingency, a slight

you will have to look out for work

POSSIBLE:

change in lifestyle will help for a much better

even if there are limited prospects.

Changing the industries as part of

and securer tomorrow. Reduce your fixed

The probability might be on the lower

the contingency measures is not only

expenses takes more time to cut as

side, but still there is always hopes

good for your long term growth but

compared to variable expenses but will

attached to it. Even if you are striving

also for the sake of slight change

definitely help for a short time interval.

for work in your own field, at least

management. Examples include

you can pull some strings attached

anything to do with at-home delivery,

Cross-referencing a major financial decision

with other fields of work. This might

Safety equipment, health care, online

more than one time will definitely help you

give you lesser money, but still you

media and marketing technologies in

make good analysis of the current circum-

will end up working and paying off

order to make working from home

stances.

MBE BUSINESS MAGAZINE AUGUST / SEPTEMBER 2020

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

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Horoscope for AUG-SEP 2020 LEO- TAURUS LEO Lead with your heart this June, Leo—you don’t really have a choice! As eclipse season begins, major change is in the air. And you’ll be asked to dive deep into your heart and soul to plan your next moves.

virtual red carpet.

Luckily, many of us have become pretty masterful at adapting to

Long-overdue romance could finally

change over these past couple

be in the air…and you probably won’t

months. Now you can really put these

see it coming. Of course, with love

new skills to good use.

planet Venus retrograde through June 25, you may experience a bit of

Let’s start with the eclipses, which

uncertainty—or just the standard

happen at new and full moons.

COVID complexities of trying to

Eclipses sweep in and turn

create passion in a pandemic. An ex

business-as-usual upside-down.

could even surface as the star of this

June’s duo will unleash a flood of

dramatic (and unpredictable!)

feelings. On June 5, a lunar (full

spring/summer love story. With

moon) eclipse lands in Sagittarius

curveball-throwing eclipses, expect

and your fifth house of passion,

the unexpected. Since the fifth house

already in reverse.

self-expression and creativity. Come

rules fertility, Leos of the childbearing

out, come out! The spotlight will be

set could have surprise baby news to

There will be sudden events that

on you now, and one of your talents

share.

Luckily, you prefer to operate from these places instead of being stuck in your head. And the stars are indeed BUSY this June, serving up two game-changing eclipses and two retrograde planets (Mercury and Neptune) on top of the four (Venus, Jupiter, Saturn AND Pluto) that are

come on like a whirlwind mixed with slowdowns and obstacles to navigate. The pacing could get odd and confusing—but then again, what’s

NOT weird about 2020 so far?

MBE BUSINESS MAGAZINE AUGUST / SEPTEMBER 2020

could gain recognition from an unlikely source. Be ready to stage

This is the kickoff of a brand-new

those Instagram Live interviews or to

eclipse series that will touch down on

take a socially distant strut down the

the Gemini/Sagittarius axis between

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

now and December 2021. You’ll learn

and deep review, thanks to a pair of

completely reshuffle your domestic

important lessons about drama and

transformational eclipses and two

and professional plans, helping you

detachment—when to get fired up and

planets—including your ruler, Mercu-

strike a better work-life balance.

when it’s better to remain coolly

ry—turning retrograde. This will bring

Watch for new opportunities to shine

objective. Friendships and romances

the total count of retrograde planets to

in your field and possibly invent your

could be reshuffled under the transfor-

six, a cosmic mandate to slow down

entire career trajectory.

mational touch of these eclipses, too.

and reconsider ALL your plans and assumptions. When in doubt, wait it

Where and even how you live could

out! But at the same time, be ready to

be part of this rapidly evolving story,

Your future—and the future of your

respond to any of the out-of-the-blue

too. You may find yourself planting

relationships—is on your mind as

opportunities that the eclipses throw

roots or taking a job somewhere

June begins. It’s Gemini season until

your way.

completely unexpected. If you’ve been

Taurus

June 20, and the Sun is marching

timid about stepping into a leadership

through your tenth house of long-term

On June 5, the Sagittarius full moon

role, the eclipses push you to finally

goals and plans. If you’re not working

arrives as a potent lunar eclipse,

claim that mantle. You’re as qualified

at the moment, this is prime time to

sparking change in your fourth house

as anyone else, Virgo—you just have

start reinventing your career path. And

of home and family. Is it time to

to believe it!

if you are working, get ready for a

relocate, talk babies or make a major

bustling month with lots of responsibili-

change to your living situation? Ready

ties. But it won’t be all duty and

or not, this eclipse could throw a

sacrifice, Virgo. Until June 25,

curveball into your personal life. A

amorous Venus is retrograde in

female relative or maternal figure may

Gemini, prompting a major review of

be part of the events near this date.

your most important partnerships. What do YOU want in the grand

This is the inaugural eclipse in a

scheme, Virgo—and are you aligned

series that will ripple across the

with the people closest to you?

Gemini/Sagittarius axis between now and December 2021. Throughout this

This month incites both rapid change

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

time period, these eclipses will

MBE BUSINESS MAGAZINE AUGUST / SEPTEMBER 2020

Recovery Process ‘Covid-19’- A Vaccine for Climate Change

DMM DEPARTMENT MB Enterprises

The COVID-19 recovery process is on the way and the

what’s necessarily in the atmosphere. Talking in terms of the

re-opening of activities and global operations is also taking

short term problems the last few years witnessed wildfires in

place in parallel globally. According to many environmentalists

Australia, innumerable deaths due to the Cyclone idai in

the COVID-19 recovery process is acting as a vaccine for the

Africa and many other extreme weather events. However, in

climate change in the entire world. This is due to some

the longer term the effects are more drastic as COVID-19 will

similarities and outcomes as COVID-19 and Climate change

have many serious and mental health consequences. These

shares a unique and friendly relationship with each other. The

are in addition to the effects on the global economy and on

policy makers and decision makers should definitely focus on

global and regional food systems.

what is more needed to build the future and its sustenance. For generations to come actions today will shape human

According to key stats from the World Bank, the figures

existence as COVID-19 has been different in the history of

shows that over 40-60 million people will be driven into

world pandemics. Hence, the positive environmental benefits

extreme poverty in 2020. This poverty line is far higher than

have shown us what is possible and how to make this

what it has been since few decades. This is mainly due to the

environment a positive living environment. Climate change

pandemic’s long term effects on the globalized world.

has been taken as a larger problem that has significantly changed the world since it was recognized as a problem by

While we ponder more over the relationship between

the world Governing bodies.

COVID-19 and climate change, its intersection is complex. For example if in a Class diagram, Class ‘A’ is COVID-19 and

However, what’s most concerning about the pandemic

Class ‘B’ is ‘Climate Change’, its intersection i.e. A ‘Intersec-

COVID-19 is not just the virus itself but many associated

tion’ B is a complex solution. This is not indeed a surprise as

issues that are interlinked. The climate change is what we

we know well that Air pollution is highly responsible for 7

have developed ourselves is set to be the worst crisis of our

million premature deaths every year.

times and ongoing. If the response is not instant and actions are not immediate than the crisis shall be shaping human

CLIMATE ACTION & COUNTER STRATEGIES:

civilizations for a millennia. In simple words, long term

The climate action and counter strategies regards to counter-

sustainability is the most wanted desire of the human race

ing COVID-19 pandemic is an undergoing process this year

and their biggest concern.

as it is already the middle of year. It is estimated that in the next year millions of dollars of budget will be spent on

CLIMATE CHANGE AND ‘COVID-19’:

encountering COVID-19 pandemic and similar w.r.t. the huge

The climate change and COVID-19 has a relationship which

impacts of environmental sustenance. Investing huge sums in

is rather new due to the latest pandemic’s growing impacts in

technology for prevention of COVID-19 and tackling climate

the world. Climate change increases the likelihood of

change issues. These are huge investments in technologies

COVID-19 type pandemics which means pandemics of

that prevent systematic risks, reduce carbon emissions and in

similar nature that has a huge dependency on climate and

parallel improve societal resilience. By societal resilience we

MBE BUSINESS MAGAZINE AUGUST / SEPTEMBER 2020

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

mean interactions in the society and bringing resilience to

3. Redesigning Cities for Better Lives: Redesigning cities for a

efforts in form of precautionary measures. The various

better life style while considering the climate change

strategies to combat climatic hazards and pandemic needs

measures is the commitment today. While we are entering the

Government level strategies which are as follows;

post-pandemic era, there should be rethinking regards to the urban design. This also includes planning and development

1. Science-Based Net Zero Strategies: Adopting the pathway

and management of stakeholder relationships for urban

of scientific measures that includes Net-Zero strategies is the

development. While putting health at the heart of the urban

hour of the need. This is especially for a plan of the next 30

life style. Experts should point out how they can design cities

years i.e. 2050 making the environment absolutely Carbon

where people will have good access to security, opportunity &

free. The process will definitely create a 100% clean-energy

health centers.

system, accelerating the transition to zero-carbon mobility and finding out the potential of natural climate solutions.

A huge responsibility lies regards to the sustainable efforts as we canâ&#x20AC;&#x2122;t ignore the science for positive climatic action. Today

2. Addressing Current & Future Health Risks: Addressing the

itâ&#x20AC;&#x2122;s our responsibility to build a healthier environment that will

current & future health risks means global health security

be a source of better results for brighter tomorrow.

frameworks are actively in action. These also includes those hazards that are arising from climate change which is every MNCâ&#x20AC;&#x2122;s business. Also is part of their CSR i.e. Corporate Social Responsibility while addressing the challenges. Countering these risks also includes collective and committed planning and prevention of global threats. These are additional measures that are taken across all nations of the world and relative stakeholders.

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

MBE BUSINESS MAGAZINE AUGUST / SEPTEMBER 2020

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MBE BUSINESS MAGAZINE AUGUST / SEPTEMBER 2020

Labour Day - its Significance & Origination in Canada DIGITAL MEDIA MARKETING MB Enterprises Signifying the importance of Labour

huge tribute and acknowledgement for

Assembly organized the first signifi-

Day holds huge prestige and recogni-

their hard work every day. Their

cant demonstrations for Labour rights.

tion of the rights and respect for

significant contributions are highly

These demonstrations took place in

Labour all over the world. It is celebrat-

detrimental as construction workers,

Toronto so that the monetary and civil

ed as a national holiday in Canada

retail workers, Supply chain, Railways,

rights of Labour are recognized by

every first Monday of September and

and many other sectors of the

Government of Canada. The aim was

this year too it will be celebrated on

Canadian economy. Paying tributes in

to highlight and point out that labor’s

7th September 2020.

form of national holidays there is a

living standards needs improvement

declared National Holiday in Canada.

and they need to be paid more w.r.t

The recognition and celebration hold

This means post offices, businesses,

their contributions at work for the sake

importance this year as well despite

and many organizations are closed on

of the Canadian economy.

COVID-19 and its activities all over

the Labour Day. School, colleges,

Canada. However, the day shall be

Universities and other educational

LABOUR IN THE CONSTRUCTION INDUSTRY-

celebrated while practicing the laws of

establishments are closed on this day

CANADA:

Social distancing and COVID-19

in Canada. The public transport also

Emphasizing the rights of Labour in

precautionary measures.

comes to a halt or are reduced to

Canadian construction industry was

Sunday services. Recognizing the

the aim of the movement that started

WHY ‘LABOUR DAY’ HOLDS SIGNIFICANCE?

importance of Labour contributions to

in 1872. Construction industry is

The role of Labour workers is highly

the economy of Canada came as a

where Labour is highly exposed to

regarded especially in the developed

though on 15th April 1872. It

dangers in form of life threats,

world where Labour workers are paid

happened when Toronto Trades

disabilities or minor or major injuries.

MBE BUSINESS MAGAZINE AUGUST / SEPTEMBER 2020

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

Recognizing their rights in form of

emerging Canadian society. A few

functions and parades organized by

safety, and insurance was the key

month later after 15th April another

Unions and workers unions is a huge

motive of the movement that took

parade was organized in Ottawa, the

answer to the respect and dignity

maturity at the start of the 19th

current capital, and passed the house

Canada has shown to its Labour class

Century. It was later i.e. post world war

of Canada’s first Prime Minister Sir

over the years. People enjoy the

that the rights of construction workers

John MacDonald. This eventually led

company of each other in form of

were highly secured in form of Life

to the founding of the Canadian

gatherings, parties and get-to-gathers

Insurance, providing Safety equipment

Labour Congress in the year 1883. An

is always seen as a sign of unity

at work in form of PPEs and many

effort to politically recognize the rights

especially for the hardworking people

other safety parameters were

of the Canadian Labour and their

of Canada. This is a huge reason it is

introduced underlying huge signifi-

respective laws.

known as the People’s Day as the

cance.

most common people are amongst CELEBRATING ‘LABOUR DAY’ IN FORM OF

the Labour class.

The modern outlook is highly

HOLIDAYS:

reformed in the Construction business

Labour Day in 2020 will be celebrated

For schools there are organized

where Canadian Labour laws have not

with huge passion and compassion for

sports events, parties and educational

only protected their workers financial-

the Labour of Canada on 7th Septem-

trips that signify the Civil rights of

ly, as well as physically giving them

ber. The passion it holds is huge in

Labour in children since the start of

security and safety at work. These are

terms of the celebrations as Canada

their studies. A society that is

in form of introductory measures of

is a rich society with huge contribu-

constructed on the teachings of

Health & Safety Workplace regula-

tions from the Labour. What Labour

respect and dignity for Labour is

tions. These have reformed and

has done and achieved for Canada

always a privileged society.

transformed over the years bringing

over the years since 1872 is phenome-

Canada’s construction workers closer

nal as Canada has transformed into a

Labour Day celebrations further

to safety.

highly developed country. It’s not only

signify the importance of sacrifice by

a sound paradise in terms of finance

the Labour workers who have worked

A huge and significant role was played

and trade but also the growth

generations to generations for

by the Canadian trade unions in the

prospects in various sectors. Parties,

Canada’s prestige and her pride

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

MBE BUSINESS MAGAZINE AUGUST / SEPTEMBER 2020

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Minimizing the associated risks while

Theresa Tam has shown fear of a fast

KNOWING THE STATUS OF YOUR CASES IN

getting back to normal is part of the

spread of the pandemic. She empha-

REGION:

opening-up procedures. Canada has

sized that COVID-19 can spread if

As part of the precautionary measures

been in lockdown since a long while

opening-up in Provinces in Canada

it is important to know the status of

and this is necessary to keep an eye

didnâ&#x20AC;&#x2122;t happened with caution. Outlay-

cases in the region you live in

on how to minimize the huge number

ing the huge importance that relates

Canada. Not only important for a good

of risks associated with the pandemic

to caution she was emphatic about

know-how, this is detrimental to know

COVID-19. As most of the Provinces

the importance of minimizing the risk

to make yourself and your family safe

in Canada are lifting their respective

factors.

from COVID-19. You canâ&#x20AC;&#x2122;t make it

lockdown measures, the Canadians

100% safe, but at least you can do

are adjusting very slowly to the

The current stats associated with

whatever you can to avoid the

realities of life i.e. in simple words

Canada makes it 96,653 confirmed

pandemic. This is not only important

back to normal life.

cases of COVID-19 and more than

for your own health, but also for the

33,000 are active cases which means

health and hygiene of your family

However, just as the businesses are

almost approximately 35%. The

members. A regional acquaintance

opening up Coronavirus continues to

number of deaths accounts for 7,897

means you know well how to deal with

spread as the impact of the initial start

who died from Coronavirus in Canada.

the regional issues in your area that

is still hurting in the opening-up

This is almost 8% which is not

can arise due to COVID-19. These

procedures. During a press confer-

significantly high mainly due to the

includes travelling & commuting

ence held by Health Canada, the

precautionary measures and

issues, shopping problems, Non-oper-

Chief Public Health Officer Dr.

improved health services in Canada.

ational educational institutions,

MBE BUSINESS MAGAZINE AUGUST / SEPTEMBER 2020

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

financial institutions and banks not

SPENDING MORE TIME OUTDOORS:

risks with the pandemic. According to

working & other provincial challenges

Spending time outdoors means you

Colin Furness an infection control

associated with COVID-19. This is

are in movement while minimizing the

epidemiologist, everyone should be

also vital to know so that people can

risks with close contact. The chances

treated same regards to the protocol

avoid travelling in areas where they

of spread are higher especially in

and expectations keeping in mind the

shouldn’t be travelling due to high

close contact for prolonged time. For

man handling aspects.

COVID-19 activity.

example while working in a factory the workers are more prone due to the

Keeping consistency in approach for

AVOID UNWANTED MOVEMENTS:

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Avoiding unwanted movements is also

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sion is much lower outdoors and the

making them realize the importance of

COVID-19 precautionary measures.

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According to Bowdish, a health

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uncertainty as far as possible as

expert, every province has a different

sion.

according to Furness, it’s important for

level of associated risk due to the

people to know certainly how you will

pandemic COVID-19. There are many

While you are hosting a small gather-

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ing that is with close friends and

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us will definitely increase the risk of

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PROMOTING PHYSICAL DISTANCING:

and stay within the region of residence

The maintenance of open dialogue for

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

MBE BUSINESS MAGAZINE AUGUST / SEPTEMBER 2020

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MBE BUSINESS MAGAZINE AUGUST / SEPTEMBER 2020

Reopening Canada- Toronto’s Real Estate Industry wants to Boom Again DMM DEPARTMENT MB Enterprises

The process of reopening Canada is

2019 prices which is a huge fall from

underway as many industries are

previous year’s stats.

opening up in Canada and wants to

has been since last year stats. However, there are some factors on

make a fast comeback. Hence,

IMPACTS OF COVID-19 ON TORONTO REAL

which these results are based and

Toronto’s Real Estate industry wants

ESTATE MARKETS:

these includes continued success in

to boom again despite what

The impacts of COVID-19 on Toronto

containing the spread of COVID-19.

happened in last 3-4 months. The

Real Estate markets has seen some

Also includes various factors that are

drastic circumstances has seen many

temporary effects on the home

generally improving economic

ups and downs especially in

market and listings in the GTA. Not

conditions and unemployment.

Canada’s Real Estate. Focus being

only the sales but the home buying

Unemployment factor is a huge one

Toronto’s real estate market that has

intentions have been on a low making

as this is another region that has

been booming pre-COVID-19 and

things quiet and stable unlike

risen due to the recurring impacts of

was regarded as one of the best real

previous year where it has been busy.

COVID-19.

Hence, the supply of listings that has

Apart from the effects on the city

According to the most recent stats

been a concern before the pandemic

Toronto there are effects that are

real estate sales in Greater Toronto

will always be an issue once the

Provincial i.e. Ontario province effects

Area (GTA) dropped 67.1% in April

economy and housing markets

and outcomes. These are factors that

this year. The market was down by

recover. The recovery is expected to

include ‘land transfer tax deferral’ and

53.7% this May as compared to May

be a slow one despite how good it

adjustment in ‘first-time buyer rebate.’

estate markets in North America.

MBE BUSINESS MAGAZINE AUGUST / SEPTEMBER 2020

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

ONTARIO REAL ESTATE ASSOCIATIONS ANNOUNCED MEASURES: According to the Ontario Real Estate Association, an Association that looks after the Real Estate of the whole province Ontario. The President of the Association Sean Morrison is still negative while saying that open houses are still prohibited due to COVID-19 precautionary measures. The recommendation for the realtors is to stick with stage-1 protocols for the reopening. These are protocols that were announced earlier in the reopening process and procedures. The stage-1 protocols includes Physical Distancing, wearing personal protective equipment during the demos, limited numbers while property showings, and strictly sanitizing between the showings. Despite these measures the Provincial Govt. also wants COVID-19 questionnaires ready so that measures are taken seriously. This also is to make 100% sure no one in contact has travelled outside the province Ontario. The landlords especially the ones related with commercial real estate landlords will be facing some drastic changes during the recovery. Reasons again being COVID-19 and its impacts on the economy of Ontario including Toronto. However, recovery in at least 6 months is a guarantee post reopening based on earlier reputations of Toronto Real Estate Market.

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

MBE BUSINESS MAGAZINE AUGUST / SEPTEMBER 2020

Reopening the Canada-Us Border Will Be A Long Piecemeal Process DMM DEPARTMENT MB Enterprises

The Canada-US Border has been

accounts over one hundred and thirty

citizens of both nations. Still, there

under closure since late March due to

thousand deaths from United States

are raising eyebrows of Canadian

the pandemic COVID-19 and its

only.

and US leadership who wants to

ever-growing and intense impacts.

ensure strict safety measures.

Canada-US border is no doubt the

For experts and border control forces

largest border between two nations

it is hard indeed to imagine that

CANADIANS ARE NOT IN A RUSH OF BORDER

and it has been the most used one as

what’s going to happen in the United

OPENING PROCEDURES:

well by commuters since a long time.

States until the Govt. is able to

Vitally due to the number of deaths

This is primarily due to the fact that

manufacture a vaccine for the

and affected people in United States,

bilateral economic relations between

prevention of COVID-19. This is

The Canadian authorities are still not

Canada and USA has been exempla-

needed for the further prevention of

affirmative in border opening proce-

ry over the years. The extension of

the pandemic COVID-19 as well as

dures. They still think that there is no

the border closure a few times

bringing deaths to a halt like Italy has

rush to open the border as many

highlights the huge significance of the

done. A country who was quiet

people from USA want to come to

pandemic COVID-19 and its growing

successful in developing a vaccine

Canada for multipurpose reasons

impacts. Especially United States has

lately with success while bringing

including trade. According to a survey

been in more sufferings as world

many casualties to halt. Obviously,

for opening up the border procedures

stats has shown that the most

we are not denying the fact that

that “Whether Canada should

registered cases have been in USA

Canada-US border has been a

Re-open its Border with the US?” a

along with the number of deaths that

border of huge importance for

huge 47% were negative as they said

MBE BUSINESS MAGAZINE AUGUST / SEPTEMBER 2020

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

not before the end of the year i.e. possibly December. The number of current cases in the United States is 2.6 million people i.e. registered cases in United States. This is highly unlikely for Canadian enthusiasm to rise for their American neighbors. Hence, mainly due to the fact that the circumstances are not ideally trained for both citizens to commute regularly. Ironically, keeping in mind all these facts there are certain limitations imposed on border travel i.e. allowing only very necessary travel. Examples includes compulsory business travel and delivery vehicles carrying goods from here to there. According to the most recent stats between June 15 and June 21, 170,998 people entered Canada from a land crossing with United States. From these huge figures 104,247 of the people are truck drivers. This clearly shows a huge 61% of people are carrying goods in form of deliveries. This has deeply hurt the Canadian tourism industry that is also dependent on road travel. A LONG LASTING DAMAGE: It is seen as a long lasting damage in terms of business generation and many other vital aspects. While it has impacted the economic relationships between Canada and USA it has also given huge losses to the supply chain in various industries and areas related to Supply Chain and logistics. There are many questions on the effects it will have on the supply chain and many economists from USA and Canada still question that how the supply chain will look like in next six months. The last time the traffic between Canada and USA had dropped to similar figures was during & post attacks of 9/11.

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

MBE BUSINESS MAGAZINE AUGUST / SEPTEMBER 2020

Restarting the Coronavirus Economy: A Step By Step Process

DMM DEPARTMENT MB Enterprises

Restarting the Canadian economy after a break of at least

PHASE 2: RESUMPTION OF SMALL-SCALE OPERATIONS:

two to three months can be a huge challenge after the

The next phase is the next stage in the reopening process

COVID-19 pandemic that has shocked the world. Canada is

and is a slightly higher level in opening operations. It is

the third most hit country in the continent North America after

considered as a suppression approach that involves reopen-

United States and Mexico. The Govt. has made a gradual i.e.

ing and supporting businesses where the virus transmission

slow restarting of the economy to its normal running mode.

can be controlled easily.

The most recent shutdown in Canada has literally changed

The nature of businesses that can be open should have

the way most things used to happen in Canada. However,

proper facilities that are mandatory for health and cleanliness

reopening businesses can’t wait otherwise it shall hurt more

measures. These include workplaces where social distancing

in terms of the financial losses.

is adequate and getting back to work can be managed through following distancing laws. The availability of easy

Financial experts have claimed that lost wages from

access to soap and water as well as the ability for continuous

locked-down has ranged from $3billion to $6billion monthly.

cleaning of all public areas must be encouraged to reopen.

Restarting the business is also important for the social well-being of Canadians but also the restoration of investor

The regulations also require that businesses can operate with

confidence in the market.

reduced hours if there is a need. Furthermore, also until they can assure regular and thorough cleaning of their workplaces.

PHASE 1- REMOTE WORKING:

Govt.’s support for older workers will make enough measures

The first phase of COVID-19 is remote working phase that

for them to stay at home until the pandemic gets over.

was imposed in Canada and was strictly monitored and

Companies should have a strict check on employees and

followed through the Canadians laws. Remote working i.e.

keep telling them if they are not feeling well they must stay

working from home mainly has helped a lot in Canada

away from work.

regards to the social distancing laws and procedures in place. ‘Social Distancing’ is a new phenomenon of the modern age

PHASE 3: EXPANDING TO SOCIAL EVENTS:

that has laid huge emphasis on how to react and fight a

The expansion to social events is the phase 3 in the reopen-

pandemic. Remote working is itself emerged as a significant

ing process and is of higher importance than the rest of the

way of working from home and how it should be done

two. This phase begins within a month of lowering the

scientifically. It has partially helped many companies recover

infection rate to acceptable levels. In Canada, there are still

from COVID-19 intense effects that has been a cause of

some on-going developments regards to the models of

higher level losses. Post COVID-19, the risks can be handled

transmission that are in different sizes and types of groups.

effectively through consistency and persistence.

Hence, as more is determined on how to decrease the levels of infection rates, the businesses and organizations can expand their operations more carefully. The key behind this is

MBE BUSINESS MAGAZINE AUGUST / SEPTEMBER 2020

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

lowering the amount of risk that is associated in social

be ensured that their health is a huge priority for the Canadi-

gatherings and events.

an Govt.

The phase 3 means allowing more customers into stores and

The Govt.â&#x20AC;&#x2122;s focus needs to shift towards the controlling of

restaurants at one time. Making a limit for social gatherings

risks through shutdowns to taking health measures that are

i.e. 15-20 people in a gathering in all provinces and imposing

mandatory in the reopening process. Prevention is the best

fines on violations. Sports leagues that are followed profes-

and only way to control the happening of the pandemic again.

sionally and is a source of income for many people can resume with few or no spectators at all. PHASE 4- DOMESTIC TOURISM: The next phase is the most critical and holds most importance in terms of revenues generated in the tourism industry. This relates to Canadian domestic tourism, as it is a huge country with many landscapes and locations that are worth seeing. This phase should look forward in the reopening and rebuilding domestic tourism and holds significance regards to the Canadaâ&#x20AC;&#x2122;s reputation regards to the tourism industry. The reopening of airlines, hotels and restaurant industry is mandatory with health and cleanliness measures as well as hygiene practices ready to go. The public trust on tourism industry is vital for the health and safety of tourists. The Govt. and health care experts should continuously monitor and keep providing updates on transmission rates. People should

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

MBE BUSINESS MAGAZINE AUGUST / SEPTEMBER 2020

WE ARE HIRING!

HEAD CHEF

THE SENATOR HOTEL

&CONFERENCE CENTRE

JOB REQUIREMENTS

LANGUAGE: ENGLISH EXPERIENCE: FRESH ABILITY TO SUPERVISE: 5 TO 10 PEOPLE SKILLS: Maintain Records of Food Cost; Consumption; Sales & Inventor y ; Prepare & Cook Food on Regular basis or for Special guest and Events; Meals and Speciality Foods; Train Staff in Preparation; Cooking & Handling of Foods; South Indian; International; Super vise Cook & other Kitchen Staff. WORK INFO: Room & Board Provided

HOW TO APPLY Email: gm@senatorhoteltimmins.ca Phone: (416)-918-1356 (12:00 PM to 05:00 PM) Mail: 14 Mountjoy Street, South Timmins, ON P4N 1S4 Note: Anyone who can legally work in Canada can APPLY for this job, If you are not currently authorized to work in Canada, The Employer will not consider your job application

Career Overview As a resort manager, your job will include managing all aspects of a resort, including lodging, food and beverage management, human resources, housekeeping, attractions, and guest services. You'll be in charge of employees, ďŹ nances, customer service, promotions, and quality control. Resort managers often have to work nights and weekends, putting in long hours to ensure the success of their establishment. Job Description Includes duties in three major areas: Daily Operations, Finances, and Marketing Resources

Customer Service

Human

Daily Operations, Financial, and Marketing Duties Resort managers oversee product stocking, accounting, and marketing efforts at the resort. As a resort manager, you'll hire contractors to perform services, such as painting or plumbing. You'll ensure that all supplies, from housekeeping materials to furniture, are in good condition and in stock. You'll monitor payroll, customer billing, and expense accounts. Customer Service Resort managers ensure positive customer experiences by maintaining high-quality facilities and remedying problems. At the resort, you'll conduct room, kitchen, and grounds inspections to make sure that they are all up to code. You'll greet guests at arrival, create standards surveys, and ďŹ nd acceptable solutions to problems that may arise. Human Resources Responsibilities As a resort manager, you'll be in charge of hiring, training, and scheduling new staff members. You'll set goals for employees and help your staff achieve these goals. You might also have assistant managers who you'll work with to manage departments, such as housekeeping, dining, security, and desk personnel.

Contact: 4382 HWY # 60, RR#1 DWIGHT, ONTARIO P0A 1H0 CANADA 1-800-387-2244 stay@algonquininn.com

MBE BUSINESS MAGAZINE JUNE / JULY 2020

WE ARE HIRING!

RESORT MANAGER

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

Rise in Minimum Wages in B.C. Amid Covid-19 Business Challenges DMM DEPARTMENT MB Enterprises

After many negatives & challenges

Ontario are an example of the rise in

news for the Canadians. It can be

during the pandemic COVID-19 there

the minimum wages as majority of

taken as an example for the other

is something positive that can be

migrants coming to Canada and

provinces of Canada that a pay rise is

good for the Canadian people and

working on hourly wages are coming

the hour of the need in these

the economy. It is the sudden rise in

to these provinces.

challenging and critical times in

the minimum wages as Canada is

COVID-19.

facing immense difficulties and

As part of the ways of compensation

challenges while running the small

& continuing smooth operations

As according to Brains, the pandemic

businesses. Minimum wages is just

during the pandemic COVID-19. This

plan of the British Columbiaâ&#x20AC;&#x2122;s Govt. is

yet another assurance for the people

is according to the provincial Govt.â&#x20AC;&#x2122;s

worth $5 billion and it includes tax

working on an hourly basis that they

promises of increasing the minimum

breaks and tax deferrals for the

are able to survive in challenging

wages as there has been no rise in

businesses. It also includes a

conditions that are being faced during

minimum wages from 2001 -2011.

significant $1.5 billion economic

the pandemic. These are people from

recovery fund which is an essential

the services industry in Canada who

RISE IN MINIMUM WAGES:

part of the British Columbiaâ&#x20AC;&#x2122;s latest

are employed on weekly contracts

A significant rise of a huge 75% in

announcements regards to the fight

and are dependent on work for their

the province of British Columbia is a

against the pandemic. It is primarily

survival. Paying the bills, home

huge example of the pledge by the

not only to encounter the pandemic

rentals, and taxes can never be easy

Canadian Govt. of an increase in the

but is also vital that the Govt. should

until workers are getting their salaries

minimum wages soon. The minimum

forgo the minimum wage increase.

with decent rises in minimum wages.

wages are now $14.60 per hour

This is a necessity to allow market

Provinces of British Columbia and

starting from Monday which is a huge

forces for the determination of rates

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

MBE BUSINESS MAGAZINE JUNE / JULY 2020

of pay. AN OPPORTUNITY IN DISGUISE: Huge prospective opportunity is the pressure of the pandemic that can be an influence for many radical changes. One of them being a review of the minimum wages in form of steps taken by the British Columbia province. The economic initiatives should be necessarily reviewed as it has been important for the sake of economic sustenance since Feb/March. This was the period when the epidemic started to spread initially in Canada and the various provinces. According to Pavlov an Economist and academic, the minimum wages increases should happen automatically through economic growth. However, in this case scenario itâ&#x20AC;&#x2122;s otherwise, the increase is due to a lack of economic stability. The statistics in Canada has revealed that many people lost their jobs during the pandemic COVID-19 and during the lock down phase. The rate of un-employment in British Columbia increased to 11.5% which is a huge 400,000 jobs cut since the month of March. Further statistics from the Labor Ministry has shown that the 60% of people earning minimum wages in Canada are women and 93% of them belongs from the services industry. These includes the cleaning services, grocery stores and restaurants. Highlights the importance of the services industry during the current pandemic and how far it is important to cope up with the pressure of the pandemic. It also is evident that how both gender in British Columbia alone are combatting and fighting the pandemic COVID-19 every day. A significant rise means rapidly making measures as many people will be hired soon for jobs in the services industry. An expected rise in the rate of employment is a fair advantage for the citizens of British Columbia. MINIMUM WAGES INCREASE IN OTHER PROVINCES: The minimum wages increase in Quebec happened on the 1st May. However, with the rest of the provinces i.e. New Brunswick, Newfoundland and Labrador, the Northwest Territories, Nova Scotia, Prince Edward Island and Yukon, the wage increase happened on 1st April. Interestingly all these provinces realized this importance during the pandemic as the economic in stability reached high levels.

MBE BUSINESS MAGAZINE JUNE / JULY 2020

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

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

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MBE BUSINESS MAGAZINE JUNE / JULY 2020

Canadian Immigration Update: The Impacts of Covid-19 On Travel DIGITAL MEDIA MARKETING MB Enterprises As part of the ongoing impacts of

update in procedures due to the

destination airports of the 4, i.e.

COVID-19, Canada is witnessing its

pandemic, all the travelers arriving

Montreal and then they can travel to

impacts on immigration and travel into

from the international locations must

Ottawa. Although Ottawa is the Capital

the Canadian land. Traveling is taking

be into self-isolation for a period of

city, but the procedures i.e. for health

place but the Govt. is on a role in

two weeks.

and safety are for the people allowing

finding out ways to travel with safety

only 4 airports. These are for

and concern of those travelling i.e. the

Another key procedure introduced by

enhanced screening and health

passengers. It has truly affected

the Canadian travelling authorities is

monitoring so that they are made sure

international mobility in almost all

effective from 18th of March 2020. The

being free from Virus symptoms.

countries and that includes travel for

procedures say that most international

Although, the domestic flights and

business as well. Passengers and

flights coming to Canada shall be

those from USA, Mexico and the

travelers need to be aware of the

landing on 4 airports i.e. 4 major cities

Caribbean are not affected by the

immigration and travel implications

of Canada. These cities are Montreal,

measures.

due to the COVID-19 pandemic.

Toronto (Ontario), Calgary and Vancouver i.e. British Columbia. If

INTERNATIONAL TRAVEL FOR CANADA-BASED

TRAVELLING INTO CANADA:

people have to travel further they

EMPLOYEES:

All the airlines of the world including

would have to take another flight or

Because of the pandemic COVID-19,

Canadian Airline holds the responsibili-

any other mode of transport for travel

and its impacts, many countries of the

ty to prevent people with COVID-19

in rest of Canadian regions. Some-

world has imposed travel bans on

symptoms from boarding a flight to the

body who wants to go to Ottawa, shall

their nationals and people working in

Canadian land. According to an

have to take a flight to the nearest

their country. This is a necessity as

MBE BUSINESS MAGAZINE JUNE / JULY 2020

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

the pandemic has been a cause of

as employment matters and other

• The employers must also consider

many deaths already worldwide, and

similar issues. The Govt’s tips for the

the transitioning of eligible work permit

Canada and USA are the two

employers are all in the considerations

holders to a permanent resident

North-American nations that share

of COVID-19 and its harmful effects.

status. This will help the foreign

their borders. The Canadian Govt.

nationals in sustaining in Canada and

initial advice to the people was not to

• Avoiding business travelling outside

hold firm grounds. Hence, automatical-

engage themselves into unwanted

of Canada, and the borders has been

ly ending the employer IRPA i.e.

travelling, only if it’s essential with a

effectively closed for non-Canadians.

compliance requirements that are

highly justified reason.

All business travels outside Canada

faced by the employers while the

must be postponed until the situation

foreign workers is in Canada on a

gets out of danger.

work permit.

outside their country must return as

• The work permit applications

• Keep yourself updated and informed

commercial flights are still available for

outside Canada for foreign hires shall

through websites and other sources

the sake of people’s emergency

be taking more processing time.

as processing rules and guidelines

travelling. Further to this, the travelers

However, they can still be filed. This

can change.

arriving in Canada from international

applies for people who are facing

destinations were asked for a self-iso-

internal disruptions in their country.

On the 14th of March, the Govt. recommended that any Canadians

lation of 2 weeks to counter Covid-19

• Apart from the normal conditions that the employer has to follow, if

symptoms if found in them. Hence,

• After the 16th March travel restric-

because of COVID-19 there is a

another announcement came from the

tions announcement taking effect from

requirement in changes in wages or

Govt. on March 16th that from March

March 18. Foreign nationals with visa

work conditions. Hence, the employer

18th the Canadian borders shall be

office work permit approvals or those

should immediately consult guidance

closing with a few exceptions.

people who were planning their travel

from immigration and employment law

to Canada won’t be allowed anymore.

before the changes are implemented.

GOVT’S TRAVEL TIPS FOR EMPLOYERS:

This is with exception to United States

With regards to corporate mobility and

Nationals.

corporate immigration matters as well W W W. M B E F O RYOU. C O M

MBE BUSINESS MAGAZINE JUNE / JULY 2020

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MBE BUSINESS MAGAZINE JUNE / JULY 2020

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

Provision of Rebates by Auto Insurance Companies Due to Pandemic DMM DEPARTMENT

MB Enterprises

There has been innumerable

Govt. of Ontario wants to make it as

changes in the auto insurance

easy as possible for the drivers to

industry due to the current pandemic

receive discounts as there are so few

COVID-19. These are for the

drivers driving right now. This is a

sustenance of the industry and how it

reason due to the pandemic

can prevail in the fight against the

COVID-19 as commuting via roads

pandemic. Auto insurance is highly

and transport is limited in times of

dependent on some key factors that

Coronavirus.

includes area/location, country risk i.e. highly dependent on many things

INSURANCE COMPANIES &

which includes political conditions of

BENEFITS PROVIDED:

the country and how these conditions

The company Allstate Insurance Co.

can be found variable.

of Canada is giving almost all the drivers a â&#x20AC;&#x2DC;Stay at Home paymentâ&#x20AC;&#x2122;

The current adjustments are because

which means that drivers shall be

of the pandemic COVID-19. Hence,

given compensations and payments

as Ontario is making some regulato-

while they stay at home. This is a

ry changes that will allow auto

huge 25% of their monthly auto

insurance companies to provide

premium which is a good news for

breaks to their customers because of

the consumers. Along with the

COVID-19. Hence, this change shall

consumers advantage it is a good

be a huge uplift for the customers. It

room for them to save money in

will allow insurance companies to

times of COVID-19.

provide auto insurance premium rebates for consumers of up to 12

The other two insurance companies

months after the emergency has

that are huge in Canada in the

ended.

Insurance sector are Intact Financial Corp. and Aviva Canada. These two

According to the Finance minister

are offering discounts of 15% for the

Rod Phillips, with the removal of the

customers who are driving less and a

barriers the expectance level of

huge reduction of 75% for people

insurance companies to respond

who park and store their vehicles.

quickly will be increased. Hence, this

Especially Aviva Insurance Canada

shall be a huge advantage in

being a multinational firm has proved

minimizing the risks associated with

in times of COVID-19 that insurance

the insurance sector in the times of

industry needs to act like a shield for

COVID-19. According to Finance

its consumers.

Minister Rod Phillips the Provincial

Aviva Canada is a subsidiary of the

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

UK based firm Aviva plc, the aim is to provide good insurance deals to its customers in auto industry and various other sectors in insurance. There are many people in Canada that have parked and store their vehicles in times of COVID-19 for at least 3-4 months and Aviva Canada is providing them 75% reductions along with Intact Financial Corp. The Govt. of Ontario has confirmed 514 new COVID-19 cases pushing the total cases from Canada to 9,000. This is mainly why there are concerns in the insurance industry especially realized by auto insurance firms.

MBE BUSINESS MAGAZINE JUNE / JULY 2020

MBE

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

Mortgage Term- What’s the Best Deal With Lower Rates DMM DEPARTMENT

MB Enterprises

Canadian housing markets are highly

Another key term in the Mortgage

dependent on Mortgage, mortgage

and insurance industry is known as

term and mortgage insurance as part

‘Amortization’. It is the total number

of their real estate and property. In

of years that a consumer will take to

current times of the pandemic many

pay off its mortgage in deal with the

experts have given the verdict that

financial instrument or an organiza-

the old reliable five-year plan may not

tion. In Canada, the most common

be the ideal choice. This is because

term is 25 years which is considered

of the effects of pandemic on the real

life time also if the person’s age is

estate sector in Canada, especially

over the age of 40-45. This is

impacting Ontario and British

determined according to the life

Columbia.

expectancy of the individual involved. Hence, over this span of time the

According to many Mortgage experts

consumer shall be spending multiple

standards may not be the best option

terms with various lenders or the

as deviation from standard is a

negotiations will be in process with

necessity of the hour. This is financial-

the same lender.

ly true especially with the lenders offering fixed rates as low as 1.99%.

This is similar to how a loan works

This is the best time of re-examining

out, hence automatically, lengthier

the assumptions, and how to choose

terms comes with higher rates and

the best term for today and into the

vice versa. This is primarily because

shift to a shorter term, for the sake of renew-

future.

of the fact that the consumer is

als to come up in time. This is mainly for the

protecting himself from big interest

purpose of taking advantage of low rates

WHAT IS A MORTGAGE TERM?

rates hikes for a longer period of

once they come around again.

‘Mortgages’ and ‘Mortgage Insurance’

time. The length of time is a critical

are a common term regards to the

period in determining the solvency

Canadian economy and real estate

concerned with the mortgage.

sector influences. Most property is rented or on mortgage for a fixed

SOLUTION FOR HIGHER RATES:

term. The mortgage term is hence

There are many solutions that are

the length of time that is chosen in

related to higher rates. Generally

deal with a lender, a major bank, a

speaking, if the rates are low the best

credit union or a private mortgage

option is to choose a longer term for

insurance corporation.

bigger sustainability options. Hence, alternatively when the rates are high

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

MBE BUSINESS MAGAZINE JUNE / JULY 2020

Managing Both your own Stress and that of your Employees MARIE-FRANCE BUJOLD

www.hrjob.ca

In the current context, managers are

Try to minimize the impact of

called upon to show empathy

isolation

towards their employees while trying to mitigate the main sources of

Personal and professional isolation

anxiety. Here are some ways to

caused by teleworking is a major

handle these tasks while managing

stressor, according to Jean-Claude

your own stress.

Laurin. “For employees, you need to keep in touch with the others. If you

Assess your level of anxiety

feel anxious or sad, do not hesitate to

In such a time as this, it is essential

talk about it or ask for help. Manag-

to be aware of your own stress.

ers, meanwhile, have to ensure the

“Employees and managers can be

well-being of their employees and

affected by different types of stress,”

remind them that they can turn to

explains Jean-Claude Laurin, an

them when they encounter difficul-

occupational and organizational

ties.”

psychologist. “There is organizational stress, for example a role conflict with

And no matter what your duties are, it

an employee. There is also stress

is also essential to draw a line

from personal life, such as a move or

between your personal and profes-

a return to school. To reduce anxiety,

sional lives, explains the psycholo-

it is necessary to act on the stressors

gist. “Telework should not interfere

over which you have some control,

with times of relaxation we had

such as by temporarily postponing a

reserved for ourselves, especially in

project.”

the evenings and on weekends.”

need to rethink their management model. “A good remote manager must trust his employ-

The psychologist suggests consulting

Developing your emotional intelligence

ees. He cannot control their work and may

the Holmes and Rahe scale to

“Managers must also be sensitive to

have to adjust certain goals. He must focus

calculate your stress level in a matter

the emotional variations of their