M-RIDES: THE MOST AFFORDABLE RIDE-SHARE SERVICE - MBE BUSINESS MAGAZINE by MBE BUSINESS MAGAZINE

ISSUE 64 | APRIL 2021

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THIS MONTH FOCUSING ON How to Name Your Business

Tech War Could Turn Back Time For All

It Takes A Family To Feed A Village

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Horoscope

Crossword Puzzle

Managing yourself with an under-

Steps In Decision Making Process

Become A Franchisee With Zero

Ways In Which Teams Can Problem Solve Better Than Individuals

Importance Of Organizational Behaviour

Easter Symbols & Traditions In Christianity

How to Name Your Business

Mandates & Roles

Tech War

Delays In Vaccines

Event Calendar

It Takes A Family To Feed A Village

CONTENTS 06

standing of routine tasks

Investments & Make Money Through M-rides

In Managing Corporate Goals

Naming a business properly is really important

Could Turn Back Time For All

April 2021 - Aries

In The World Of Marketing

Of Canada’s Federal Food Safety Partners

Is A Result Of Trudeau’s Political Problems

Holidays and Observances in April

Most Common Recruitment Challenges Faced By Hr Professionals

INTERVIEW WITH MP Shaun Chen

Good Friday, It’s Significance & Celebrations In Canada

EDITOR'S LETTER Dear Readers, April issue is here with 64rd edition of MBE Business Magazine. Spring is the time of rebirth and resurrection. It is the time when everything shines and spreads freshness. The spring season in western countries is the most beautiful to watch. Spring comes in the west coast area of Canada, along with the arrival of beautiful tulips. In this issue we have published special interview with Liberal MP Shaun Chan. Shaun Chen is a Canadian politician who was elected as a Member of Parliament to represent the newly established riding of Scarborough North in the 2015 Canadian federal election. He was re-elected as the riding’s MP in the 2019 Canadian federal election, with an increased share of the vote. This issue covers article on managing yourself with an understanding of routine tasks by Mr. Mansoor Naqvi. Youth, Gender, the Environment and the Separation of State, Religion and Business part of articles continued by David Ralph Mackereth. You will find this issue more interesting and informative as 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. 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. For ad placements and marketing related queries, please email us at digitalmedia@mbeforyou.com Thank you, Aurora Zabala, Editor In Chief.

Publisher MB Enterprises Editor-in-chief Aurora Zabala Senior Editor Peter Z. Vaisey Managing Editors Steve Montgomery Mahmood Naqvi Design Cynthia Tolson A. Khan Production, Technology & Print Simon Wilson R.J Advertising S. Hassan Shoeib Kamal Administration Alamdar Hussein Erum Asghar R. Adil HOW TO REACH US Website: www.mbeforyou.com Feed-back: 1-866-667-1377 E-mail: info@mbeforyou.com Mail: 100 Dynamic Drive, Unit 104, Scarborough, ON, M1V 5C4. Fax: 1-866-204-6888 MBE Business Magazine is a monthly issue business magazine published by MBE. Inc. Ontario, Canada. Printed by Vision Printers Contents © Copyrights 2017 by MBE, may not be reprinted without written permission. Subscribe / Unsubscribe or Advertise by emailing us at mbe-marketing@mbeforyou.com

Managing yourself with an

understanding of routine tasks

Syed mANSOOR Naqvi

PRESIDENT MBE Managing yourself and your routine! Either you are working

PRIORITISE YOUR ACTIVITIES & MAKE A PLAN:

for yourself or you are working in a corporate environment is

Prioritizing your business and corporate activities and making

essential in both scenarios. It gives you a sense of responsibil-

a plan always helps in the long run. It makes your journey to

ity on your shoulders that you have to manage your routine

success a sustainable one, and you would know how to deal

tasks with a designed strategy.

with challenging situations. Once you have a hint that a situation can be challenging, just jot down some agendas to

Having an understanding of your routine tasks is directly

deal with the scenario strategically. Make Plan A, Plan B and

linked with your work ethics, and are the root cause of your

Plan C, so that you know that your contingency towards your

success. This is only if you believe that success is important

tasks is fool proof. If for instance ‘Plan A’ fails, you can switch

for you in every respect. The most important priority should

to Plan B or Plan C, depending on what suits you best. This is

be the execution of your tasks, just like you plan a journey

because, ‘Every Day is Not a Sunday’, you won’t find the best

before starting one. Hence, managing yourself creates an

case scenario every time, and you have to work out

automatic respect for you at the workplace which can vary

something in the middle.

with respect to your role. Your peers or people under you should know the importance of your tasks in your own eyes.

MANAGING A BUSY WORK SCHEDULE:

For this to happen, always have a broader perspective at

How to manage a busy work schedule? A question asked by

work.

many individuals who have a very busy life and their plans can’t be disturbed. Busy work schedules are good for you, if

How important are Key Dates for you? If you are a business

you can manage them with a clear designed strategy. A

owner or in a key role at your workplace, dates are like

strategy always helps once you know that success is your

oxygen intake for you. This is precisely because you can’t be

utmost priority. The key here is that starting your activities

selfish enough to miss your appointments and have an

should be clear. This is mainly because the initial execution

unplanned life at work. Make your priorities with regards to

will give you the energy to manage your busy work schedule

what needs to be done first, and it will automatically outlay a

for the rest of the week. Highlight in your weekly agendas

positive result on your CV or your Performa. Instead of taking

what can’t be missed and what needs doing on an urgent

work pressures and work load, just find out a way to deal with

basis.

the situation. The best scenario is to give weightage to what you are doing instead of ignoring the most important tasks on your list.

MBE BUSINESS MAGAZINE APRIL 2021

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

CREATING RESPECT IN PEERS THROUGH PROPER SELF-MANAGEMENT:

and time accordingly and stay active at the workplace. Why

Proper self-management creates respect amongst your peers

daily, if you think you can achieve your milestones of success.

and opens doors towards proper work ethics. It’s your Peers,

Irrespective of your nature of work, i.e. business or working

or your business partners that need to know how organized

for a multinational company, a healthy routine is always the

you are and how better you can prioritize your goals. Whether

route to your success.

it's a meeting on Zoom or Face to Face conference meetings

your routine counts? Keep asking this question of yourself

or a presentation you need to give regarding a business

MANAGING WORK PRESSURES WITH A DEFINED STRATEGY:

launch, your attitude of self- management matters most in the

‘How to manage work pressures shouldn't be your concern if

eyes of your stakeholders or your peers.

you have a strategy designed in your mind. Strategically dealing with things always makes tasks easy and realistic to

YOUR ‘ROUTINE’ IS YOUR ROUTE TO SUCCESS:

achieve. Your goals might be unrealistic, but to work them out

Having a routine and managing one takes you to the next

can make them easy to achieve. Breakdown your activities to

level as it is your route to success. Apart from many other

handle work load and work pressures or come up with an

routes to success, managing your routine life will definitely

even better strategy. The key before making a strategy is to

help you in achieving your milestones. As your milestones are

rank your priorities with regards to the profitability of your

like Gold, you must have the commitment to achieve your

agendas. Some things can't be missed. Remember - Time is

routine in the best possible way. Your routine might include

money.

daily meetings with peers or business partners, exercising to keep yourself fit, or working daily on your next business plan. Every routine can be managed if you manage your energy

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

MBE BUSINESS MAGAZINE APRIL 2021

Become A Franchisee With Zero Investments & SYED MAHMOOD NAQVI Make Money Through M-rides Vice President | MB Enterprises

MBE’s Culture for many years has

as a Franchise and you will have the

business as ‘Zero Investments’ is our

been to make money with zero

option to become a franchisee with a

winning slogan. We don’t want our

investments through variable franchise

considerable amount of drivers

franchisee to fail and want them to

plans. This has been the culture of

registered with you, known as

start with full business security only

MBE since the start of the ATM

‘Captains’. You will have the opportuni-

through manpower and a smart

business when MBE launched itself in

ty to work with leadership while

business setup.

MBE ATM.

managing your own franchise office and keeping up with the standards of

‘Smart earnings & zero investments’ is

M-Rides is another product of MBE

M-Rides. Your market penetration

the old MBE culture and the priority

and is coming up with a full and partial

depends on how you tackle the

here is business sustenance through

franchise program for both Pakistan &

challenges of running a franchise,

a smooth and smart business

Canada. This is also called smart

your standards maintenance and your

process. Come up with your smartest

income generation and develops your

market placement, i.e. through diverse

SWOT (Strengths, Weaknesses,

business in your own hands through

marketing strategies.

Opportunities, and Threats) analysis

effective market penetration.

in the Zero Investments program, and you will find yourself in a desired

HOW IT WORKS?

SMART EARNINGS WITH ‘ZERO’ INVESTMENTS:

M-Rides is a commuting & transport

The best and most secure thing is

Culture is key fulcrum of all our

company and is on the verge of its

smart income generation with

business activities and is still standing

launch with variable franchise

absolutely zero investments. This is a

tall for our various businesses

programs. M-Rides will be considered

breakthrough in the commuting

including MBE ATM.

MBE BUSINESS MAGAZINE APRIL 2021

position of strength. MBE Business

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

YOUR FINANCIAL SECURITY IS GUARANTEED:

Smartly jot down a break even

in M-Rides business franchise. You will

analysis, and the time you will be

have a higher level of opportunities

The investments security that you are

reaping your ROI’s, i.e. (Returns on

with networking & dealing with market

looking for as a franchisee is guaran-

Investments). Hence, every month you

penetration in a more synchronized

teed in our Zero Investments program.

can significantly capitalize on your

way. It’s not only market penetration,

‘Financial security’ matters in this

investment strategies for more

its showing your presence in the

investment arena where leadership

financial security. In this case a smart

commuting business. Have an

and culture analysis is a key attribute.

business plan is highly needed for

evaluation of your competitors and

It holds vitality for smart income

better market penetration & best use

you will never end up on the losing

generation along with being a key

of the old MBE culture.

end.

financial analyst of your own business. more result based as your expecta-

NETWORKING IS YOUR STEP TOWARDS ‘SMART WORKINGS’:

tions grows in the services industry. It

Networking, is a huge plus while as a

depends on how you create a goodwill

Franchisee you start smart working.

with your business stakeholders

It’s the only way that you will expand

(Franchisor) & your Captains who

your M-Rides Franchise in our

deserve your good attitude at work.

business model. Our business model

Your business expansion is easier and

is based on referrals and that is how your income starts generating forward W W W. M B E F O RYOU. C O M

MBE BUSINESS MAGAZINE APRIL 2021

Importance Of Organizational Behaviour In Managing Corporate Goals SYED ALAMDAR HUSSAIN Country Head - MB Enterprises

Part of Corporate business manage-

how an environment is linked up with

significant, the timeliness is worth

ment & Corporate Governance is the

a company’s future success.

financially, i.e. in terms of money. It is

importance of organizational behavior

deeply important to signify the value

WHY ‘TIME IS MONEY’ IN THE CORPORATE WORLD?

of time and notice how ‘Time’ can

behaviors are the set of activities, procedures and actions that are

The key importance of ‘Time’ &

in mind the accounting terminology,

highlighted and signified as standard

Timeliness in activities is like a

i.e. ‘Time Value of Money’. This phrase

procedures. Organizational behavior

backbone in the corporate work

simply tells us that the value of Time

not only revolves around the values of

culture. It determines higher values of

today in the business world is different

an organizational culture, but the

success while following strictly the

than what it will be a month after on

significance of work ethics in a highly

principles of organizational behavior.

the same date. This demonstrates why

official & sensitive environment.

Solely demonstrates that to influence

with time the value of money changes.

for corporate goals. Organizational

impact the change process. Keeping

a smooth organizational behavior the

Similarly, in terms of financial aspects,

Organizational culture is mainly linked

time factor needs to be taken into

‘Time factor’ always needs to be

up with MNC’s i.e. Multinational

deep consideration. Why Time Is

determined with the same value

companies, and holds unique and

Money? In the corporate world, where

aspect.

significant values for a company. It

business dealings and financial

determines what a work culture is &

matters are considered important and

MBE BUSINESS MAGAZINE APRIL 2021

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

WORK ETHICS DEMANDING TRUE VALUES OF SUCCESS: How work ethics demands true values of success in an

ENTREPRENEURIAL GOALS CONNECTED WITH ORGANIZATIONAL BEHAVIOUR:

organization is all part of the organizational change manage-

If you are a leader and an entrepreneur who is very eager for

ment. It emphasizes on the way professionals need to adopt a

the success of your company, accordingly your entrepreneuri-

philosophy at work. Apart from ‘Time Management’, organiza-

al goals are interconnected with your organizational behavior

tional success demands discipline in the hierarchies and work

targets. It’s your primary responsibility to overlook the

ethics. Just need to focus on simple things with an ethical and

importance of leading from the front for successful organiza-

systematic point of view.

tional change. Whether your organization is influencing a change management process, or it is under a leadership

In theory, organizational behavior revolves heavily around

program. The motto is to attain your targets in the best and

work ethics to develop a unique organizational culture. A way

most smooth possible manners. Your mannerism time & again

that determines how to work systematically everyday with

shows how positively you can accept challenges and what

planning and implementation of the mission statement. It also

strategy you can formulate to implement a positive change.

exhibits the level of importance for all employees and giving their due share of ownership and respect while working for

Hence, being a leader one should be highly aware of what

the goal of the company. It’s not just a one man show, it’s a

the company needs and how as a leader your personality can

team effort in the long run.

be impressive for future results. As a positive leader your organizational targets should be practical and fair instead of

In an organization’s soul, the idea of working together for

being just a day-dreamer. You are a dreamer, that’s for sure,

shared goals creates a huge sense of responsibility in the

but how can you turn your organizational dreams into a

mind of employees. It not only creates a sense of ownership

highway of success. However, in any case, having a good

amongst the employees, but the sense of responsibility

strategy is as important as getting towards the targets slowly.

makes them more task-oriented. Their goal oriented approach

Your gradual acceleration is indeed an answer that you are

for accomplishment of targets is the ultimate success in

definitely thinking in terms of long term sustainability. As a

organizational behavior.

leader you need to incorporate into the management, a true strategy into action.

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

MBE BUSINESS MAGAZINE APRIL 2021

SYED MANSOOR ALI NAQVI

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

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How to Name

Your Business

99 BUSINESS IDEAS

Naming a business properly is really important, rather that’s

understand is a must. You need to brainstorm ideas and

something which will remain with your business forever. Easy

names on what you want to go with and what your business

as it sounds, it really does require quite a lot of considera-

conveys. Start with simple words, chalk out similar names

tions to do so. After all it is a permanent decision once done.

and meanings, and go with something that is unique and has

There are a lot of parameters you need to keep in mind

an appeal.

before you can name a business. If you go by the business books, understanding the market and competition plays a

For a trial, you can even try some name choices with a few of

crucial role in it.

your potential customers, investors, and staff.

Remember, a business will create a niche out of its name that will not only appeal to your business but also attract different

3. Understanding the Market before you select

kinds of customers.

You need to understand your target market properly and the areas you want to operate. Markets have different segments

So, if you are at a point to name your business, here are 11

and audiences, so do understand your type and set of target

steps to consider while deciding a name for your business:

customers before you finalize your business name.

1. Legal Considerations

As you may expand with time, avoid names that will stop your

The very first step before finalizing a business name is to

business to move around or add any other product to its

check whether it is already been taken or not. Also, check if

portfolio.

already a trademark registration has been done with the For example, if you are from the United States, you can check

4. The Name must be Easy to Pronounce, Write and Remember

online at USPTO.gov to find if the name is still available to not

Your business name should have not been something that

for registration.

people can’t even pronounce. Keep it easy and simple so

chosen name. Every country has an official site to check this.

people can easily pick up the name. An easy name will help

2. The Business Name must be Simple, Yet Unique

customers to recall your brand, products, and services.

Coming up with something that’s simple for people to

The key is to go for a business name that provides some information about what you do.

5. The Name Should Match Your Business A name that will provide some information about your business is an add-on. Your business name should match to what you do. This will help you to gain your own audience, and people can recall your brand that will remind them of the services and products you offer. Also, make sure that your business name has no negative or obscene connotations in any language.

MBE BUSINESS MAGAZINE APRIL 2021

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

6. Understand the Competition

9. Be Creative

A good idea of the competitor will provide you with a business

Try to be creative with the name as much as possible. A

plan that can help you to grow in the market. So, naming your

completely unique name may actually pay off well as coined

business according to what your competitors are going may

names are often more meaningful than the existing words.

actually help you to stay ahead. This will bridge up a gap

This also adds to the chances of your business becoming

prompting customers to choose you over your competition.

more popular.

Naming against your competition does not mean any obscure

Try experimenting with new forms of spellings of the words

word that makes no sense. Always go with traditional word

already available, but avoid names that are too narrow or too

spelling and something better than what’s already available in

literal.

the market.

7. Be Relevant

10. If You Are Not Able To Choose A Business Name If you are having trouble picking up a name for your business,

Remember the name you are going to choose for your

don’t worry, there’s a simple solution. There are a lot of

business is going to be your identity probably forever, be it the

business name generators available in the market that will

company or your product line or services. Keeping it simple

help you to pick up a name for your business.

will do your job, but make sure it’s relevant at the same time. Sure you can use a lot of free tools available on web to find a Business names that are straightforward and relevant have

proper name for your business. However you may hire a

more recall potential among customers.

trademark attorney to get the search report.

8. Avoid Trends

As an add-on, you will also bring in the details regarding

If you are going to name a business as per any particular

domain availability and social media handles.

ongoing trend, do remember that this will only work for a particular amount of time. You may get a kick-start at the

11. What Next If You Have the Business Name Ready

beginning, but as the trend will start to slow down, your

Down to this point, let’s say you have decided the name for

business will see the same way down the lane.

your business, lastly it’s now time for some online research. Starting with legal compatibility to an official domain to social

You want to have a business that has to work in the

media handles, it’s really important that you have everything

long-term, so strictly avoid considering trends while naming

available in some form or so.

your business.

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

MBE BUSINESS MAGAZINE APRIL 2021

TECH WAR COULD TURN BACK TIME FOR ALL STUART HIMMEL Staff Writer

Plans to make firms pay for news could spell end of “Google it” convenience.

journalism that appears on those

majority of newspapers in the Toronto

platforms.

area has gone to the extreme of leaving their front page completely

Australia is leading the charge,

blank in a recent edition as their way

For a generation of Canadians who

proposing a framework under which

of protesting that Google and

grew up with Google Search at their

the tech giants would be required to

Facebook are not paying for their

fingertips, it might be difficult to

negotiate fair payments to news

news features that appear on their

imagine a world where the term

organizations for the news they use

platforms.

“Google it” becomes obsolete.

on their platforms; in cases where an agreement can’t be reached, an

The following page had an explana-

But losing the search engine could

arbitrator would be appointed.

tion that read – This is what will

become a reality due to an informa-

In January, Google dropped a

happen to our newspaper if we

tion – technology cold war that that

bombshell. If Australia continues with

continue to allow Google and

spans the globe.

those plans as they stand, Google

Facebook not pay for content that

will completely disable access to its

appears on their platforms. The

search engine within that country.

newspaper will no longer survive.

giants like Google and Facebook pay

Canada is expected to unveil rules

For individuals like us, it might not be

media companies some of the

that are similar to Australia’s. Postme-

as immediately obvious as it would

revenue they make by featuring

dia and Torstar who operate the

be if Google were threatening to pull

There is a push from news companies and governments to make tech

MBE BUSINESS MAGAZINE APRIL 2021

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

the plug on services like Gmail, YouTube or Google Maps.

Facebook have been unfairly scooping up much of that revenue by selling advertising around search results that

For those of us who were there when Google wasn’t there, it

feature content created by news companies – without paying

feels like it’s always been there, so it’s hard to think about it

for it. Those media organizations argue they should receive a

because it is so central to our everyday activities.

piece of the pie.

Ultimately small businesses would probably feel the biggest

Torstar, which owns the Toronto Star, is campaigning for the

impact from Google shutting down its search engine because

Canadian government to adopt measures that would require

those companies would suddenly disappear from view form

tech companies like Google and Facebook to pay for the

consumers who might want to use their services.

news content they use. Google and Facebook argue that their platforms provide massive distribution to news compa-

Google search going away would cause some chaos and

nies, which reap the benefits of having access to large

would probably have people turn to existing larger compa-

audiences. In Australia’s case, Google might actually shut

nies. With no Yellow Pages anymore, people who provide

down its search engine or simply stop indexing content from

local trades would lose out as well.

news organizations, essentially making their content invisible. If Google doesn’t index news organizations, it hurts news

While Google may be dominant in online searches, its

organizations more than they’re being hurt by what’s

possible departure from Canada would not mean that its

happening now.

competitors would disappear. Search engines like Bing, DuckDuckGo, Yahoo and Baidu could pick up the slack left if

Experts don’t believe that Google would cut off Australia.

Google where to leave. There might be a possibility of using

There are too many countries in the world that are interested

a virtual private network (VPN) to dodge a Canadian service

in putting in place a framework like those Canada and

blackout and access Google’s search engine in the U.S.

Australia or considering. In addition, most would expect an

Microsoft has already been in talks with the Prime Minister of

uprising and revolt of the people if Google shut down its

Australian, saying it was ready to fill any void left by Google

search engine.

with its own search engine, Bing. They also feel that news publishers shouldn’t expect online Canada and Australia each represent markets for DuckDuck-

platforms to pay them for their journalism. These are old

Go worth billions of dollars and it remains to be seen

threatened institutions trying to lash out at a newcomer who

whether it would forego all of that revenue rather than sign on

simply provides a better service and better competition.

to a government designed profit sharing plan. Experts also could envision a scenario in which Google If Google does leave, the interesting thing to watch will be

leaves Australia and Bing or DuckDuckGo steps in to replace

whether the advertising revenue it’s been making in those

it. But eventually, the newly dominant search provider would

countries disappears with it.

need to negotiate with news publishers and it might not want to agree to a deal either which in turn, leads everyone back

News organizations argue tech giants like Google and

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

to square one.

MBE BUSINESS MAGAZINE APRIL 2021

APRIL

EVENT 2021 CALENDAR APRIL 1

THURSDAY

Maundy Thursday

APRIL 2

FRIDAY

Good Friday

APRIL 3

SATURDAY

Holy Saturday

Maundy Thursday is a Christian observance in Canada. The day, also known as Holy Thursday, occurs during Holy Week and falls on the Thursday before Good Friday. It commemorates Jesus Christ’s last supper and the initiation of the Eucharist, which is observed in many Christian churches. Commonwealth Day is annually held on the second Monday of March. it commemorates the Commonwealth of Nations, which is a union of some countries that used to be part of the British Empire. The date was chosen because it did not have any previous historical connotations.

Holy Saturday falls between Good Friday and Easter Sunday in Canada. It commemorates the day when Jesus Christ lay in the tomb after his death, according to the Christian bible. It is also known as Easter Eve.

APRIL 4

SUNDAY

Easter Sunday

APRIL 5

MONDAY

Easter Monday

Easter Sunday in Canada celebrates Jesus Christ's resurrection after his death, which is described in the Christian Bible. Some people observe Easter Sunday by attending church while others spend time with their families and friends or engage in Easter egg activities.

Easter Monday is the day after Easter Sunday, which commemorates Jesus Christ's resurrection, according to the Christian Bible. Easter Monday is also a holiday for many Canadians.

APRIL 6

TUESDAY

National Tartan Day Tartans of all varieties are worn on Tartan Day, which recognizes and celebrates the contributions of Scots and their descendants in Canada on April 6.

MBE BUSINESS MAGAZINE APRIL 2021

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

APRIL 13 TUESDAY

Ramadan Start

APRIL 26 MONDAY

St. George's Day

Ramadan is the ninth month in the Islamic calendar. It is a period of prayer, fasting, charity-giving and self-accountability for Muslims in Canada. The first verses of the (Qu'ran) were revealed to the Prophet Muhammad (also written as Mohammad or Muhammed) during the last third of Ramadan, making this an especially holy period.

St George’s Day commemorates the life of St George, a Roman soldier and Christian martyr. St George’s Day is a provincial holiday in Newfoundland and Labrador in Canada. It is observed on the Monday closest to April 23 each year.

CROSSWORD PUZZLE SOLUTION

MONTH MARCH

F 13 A 16 J 19 I 22 T 26 A

A M O R A L

L 41 A 48 P 57

L 60 P 63 S

C O M E 54 H E R E

M O N A C O

R O U T I N E S

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E R E S T U

U N S T R A P

D E 17 S J 20 A 23 R 27 S 29 30 O P I S 40 S 42 E S Y T E 58 T 61 C 64 M

P 14 R O M O

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H O O H A

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B S 15 U T A 18 E S E 21 N A R 24 A L P A 28 O U T 33 34 O M A 38 O N T R S S O 45 44 43 44 G R 53 51 52 E F T 56 I O A 59 F O O L 62 S T T 65 Y H Y

S G T B I L K O

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S A W Y E R

MBE BUSINESS MAGAZINE APRIL 2021

It Takes A Family To Feed A Village LEX HARVEY Fiesta Farms has become an emotional place with new dangers and burdens.

from running an essential business

discuss new developments, all the

amid the pandemic, small independ-

while trying to put on a brave face for

ent stores have had it even harder.

customers and staff.

Without the support of a head office Tracey and Dino Virgona are tired.

or partner stores, they have had to

“You’re petrified of screwing up and

Speaking over video chat, the sibling

contend with surging demand for

you’ve got to think ahead – if you did

owners of west end independent

items such as toilet paper and flour,

that, what are the consequences for

grocer Fiesta Farms are frank about

adjust to shifting consumer needs

each stage, whether it be your family

the toll this year has taken on them.

and respond to developing health

or your staff,” Dino said.

concerns. “Behind the scenes, we were so

“It has been exhausting,” Tracey said, opening up about the burnout she’s

For the Virgona’s it meant pulling 18

mentally and physically exhausted,”

been feeling. While all grocers have

hour days, constantly putting out fires

Tracey said, her voice quavering with

faced new risks and responsibilities

and meeting with management

emotion.

sometimes three to four times daily to

MBE BUSINESS MAGAZINE APRIL 2021

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

When Covid-19 first hit, the Virgonas scrambled to keep the

home in Caledon. Customers feel his presence in the store

Christie St grocery’s 150 staff and hundreds of daily custom-

through his portrait at the front entrance. The operation is a

ers safe. That meant putting in social distancing markers,

true family affair, with Joe’s three kids, seven grandkids and a

establishing designated shopping hours for elderly and

couple of their spouses working at the store and garden

immunocomprised people and throwing together a store to

centre.

door delivery system. In the months since, they’ve dealt with staff Covid-19 cases, changing health conditions, public

This past year has been difficult for the Virgonas in more

anxiety and occasional abuse from customers over health

ways than one. In the summer, Tracey and Dino, lost their

measures like masks.

mother to a brain injury. In the months leading to her death, Tracey cared for her in the hospital while Dino ran the daily

However it has also been an opportunity for Tracey and Dino

operations of the store. Now, Tracey stays home with her

to connect with the community that has kept the store in

father helping Fiesta mostly from afar. It’s been tough for her

business for decades.

to stay away.

Grocery is in the Virgona’s blood. Their father, Joe, worked in stores from the time he was 14 and opened Fiesta Farms in

Meanwhile, the pandemic unfolded and the Virgonas found

1989 in a converted Pepsi plant just north of Bloor St. Many

themselves leading the way on safety, insisting that custom-

of Tracey’s childhood memories involve spending Sundays

ers wear masks inside the store in May, two months before

with her Dad at the stores where he worked, back before

the city of Toronto required it.

Sunday shopping was legal and retailers could only sell necessities. Younger brother Dino, joined the family business

The Virgonas were able to implement strong protective

in his early 20’s to work at Fiesta’s garden centre across the

measures while maintaining the things that make the store

street.

unique, said Joshua Maharaj, a chef and loyal Fiesta Farm shopper. When it was no longer safe for shoppers to use their

Known for its family feel and wide range of accessible, high

own bags in the store, the family implemented a system

quality products, Fiesta Farms has become a staple in the

where people could carry their unbagged groceries outside

west end Toronto community, with regular customers ranging

and bag them there. They understood that they have a strong

from folks in their 90’s to kids from nearby schools.

and environmentally focused group of shoppers.

Every culture that has made its way through the neighbourhood in the past 35 years – from Korean to Italian,

The store has managed to preserve its welcoming atmos-

Portuguese and Caribbean – has had an effect on the store,

phere, Maharaj added. “What I really loved was that they put

influencing the selection of products. If there’s an item you

in all the pandemic Covid protocols but still maintained that

want that you don’t find on the shelves, ‘we’ll try to move

cheerful, friendly community connection that is always

heaven and earth to get that product,” Tracey said.

happening in the store.

At 78, Joe trusts Tracey, Dino and the other store managers to run Fiesta Farms, but he stays in close touch from his

Some moments have been challenging, such as when the first staff member tested positive for Covid-19 in May of last year. Back then, there weren’t clear protocols for managing employee infections, so the Virgonas closed shop for a few days to do a deep clean. They notified customers on their blog, where they share everything from charitable initiatives to recipes for coffee cake to tips on how to volunteer during the pandemic. “I’m not going to lie. I was petrified of a negative reaction from people,” Dino said. He feared that his customers might no longer feel safe shopping at the store. But what they got was an outpouring of well wishes. Messages of gratitude and encouragement from patrons get posted in the lunchroom for staff to see. “I would read the messages at night and I would just be crying,” Tracy said. It gave you that

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

MBE BUSINESS MAGAZINE APRIL 2021

sense of fighting on and moving on.

events have turned virtual, grocery shopping is now the only real interaction for many people with the outside world. For

Early in the pandemic, a Fiesta Farms driver named Ryan,

those who operate the cash register, stock the aisles, greet

went to deliver groceries to a customer in need. “Ryan was

people at the door and handle the deliveries, it has meant a

so exhausted, and he came around the corner and

new depth of connection with customers.

everybody was out on the streets clapping for him and cheering him on,” Tracey said.

“It’s an amazing feeling,” Sozinho said, “the fact that you can be that outlet for those five minutes for that person that’s

In the midst of it all, the staff –Fiesta Farmers, as they are

having a really bad day because they’ve been stuck at home

call them – have stepped up, covering shifts, working in

and the only time they’ve been able to leave their house with

departments they’ve never worked in before and risking their

their four children and their mother-in-law and the dog that’s

own health to bring people food in a crisis. “We’re a small,

barking all day, is to go to the grocery store. You take those

independent family run store. You could really feel the family

five minutes, and you savour them.”

in our store,” Tracey said. The moments of kindness are balanced by more difficult Manager Kendra Sozinho has worked at Fiesta for 17 years,

scenarios: Customers complaining about the mask policy or

starting as a part time cashier in high schoo. This year she

getting angry that people were not distancing in the aisles.

has put in so many hours and experienced so many

But Boultbee, Sozinho and Virgonas chalk those feelings up

emotions, it’s more like a home than a job. “I don’t think I’ve

to fear.

ever cried so much in my entire life,: she said. “At the time we were looking at it and thinking, this is Fellow employee Louise Boultbee, who joined three years

borderline abusive. I can look back now and say these

ago for a four month stint at the Garden centre and never left,

people were scared,” Tracey said.

says Sozinho is the hub of the Fiesta Farms wheel. The two have shared so much this past year that when the

In fact, grocery workers have become unlikely confidantes in

Ontario government announced in June of last year that

hard times. Boultbee is acutely aware that they that they are

people could have close contact with a group of 10, there

part of the public’s ability to cope.

was no question they’d be in each other’s bubble. “We are family here,” said Boultbee.

Many interactions from the past year stand out to her: the terrified pregnant shopper who last March had shared she’d

Early in the pandemic, before Fiesta had a delivery system,

just been told she would be induced the following day, one

customers would e-mail their grocery lists and an employee

month before her due date; the woman who came into the

would shop for them and bring it to them. Tracey’s daughter

store “dressed to the nines” on a sunny May morning on her

Nikki would call customers back to confirm the items, often

way to her father’s funeral.

spending up to an hour with each on the phone. “Mom, these people are so lonely. We’re not really talking

Each time Boultbee would smile and ask people how they

about food, we’re talking about what’s going on in the world,”

were doing, choosing to stay positive during tough moments.

she told Tracey.

She felt she made a difference in their day. “It’s the best part about being an essential worker. And it’s

In a year when most social spaces are closed and day to day

MBE BUSINESS MAGAZINE APRIL 2021

very essential what you provide. You feel valued.” W W W. M B E F O RYOU. C O M

Youth, Gender,

The Environment And The Separation Of State, Religion And Business Part Five

DAVID RALPH MACKERETH dmackereth@canimac.com

THE ENVIRONMENT (Continued)

SEPARATION OF STATE, RELIGION AND BUSINESS

Notable women (especially young females) have identified

“[…] as Pericles [c. 495 – 429 BCE, of the Athenian Golden

and worked to limit the effects of Climate Change. American

Age] said […] at a funeral for fallen warriors, the business of

Eunice Newton Foote (1819 – 1888), “was the first scientist

every Athenian is first and foremost public business. That’s

known to have experimented on the warming effect of

the price of self-government.” Patrick Watson and Benjamin

sunlight on different gases, and went on to theorize that

Barber, The Struggle For Democracy (1988).

changing the proportion of carbon dioxide in the atmosphere would change its temperature […]”, (Wikipedia). Kelsey

“In his Divine Comedy, written in the fourteenth century and

Juliana (24) of Eugene, Oregon USA is the Juliana, along

perhaps the greatest of all Christian poems, Dante placed

with others in ‘Juliana v. United States’ (2015) a ‘Youth

usurers in the Seventh Circle of Hell, near murderers, where

Climate Lawsuit’, “[…] asserts that, through the government’s

they are tortured by a rain of fire.” Howard Means, Money &

affirmative actions that cause climate change, it has violated

Power: The History of Business (2001).

the youngest generation’s constitutional rights to life, liberty, and property, as well as failed to protect essential public trust

“Wealth rides upon the wind. It takes the form of papers and

resources.” Commenting on this case, U.S. District (Oregon)

contracts […] silver and gold, instead of products […]” Martin

Judge Ann Aiken says, “Exercising my ‘reasonable

Gonzalez de Cellorigo, Memorial de la politica necessaria y

judgement,’ I have no doubt that the right to a climate system

util restauracion a la republica de Espana y estados de ella, y

capable of sustaining human life is fundamental to a free and

del desempeno universal de estos Reynos (1600).

ordered society.” And Nosrat Fareha (an organizer for the Sydney School Strike in Australia) at 15 was quoted in The

“How man deals with man is seen, for example, in Negro

Guardian on November 30, 2018: “We deserve better. Young

slavery, the ultimate object of which is sugar and coffee.”

people can’t even vote but will have to live with the conse-

Arthur Schopenhauer, The World as Will and Representation

quences of your inaction for decades.” And then we have

(1819).

Swedish born Greta Thunberg, at the grand old age of 17, who has assured herself esteemed recognition in future

Humans generally believe they have ‘Free Will’, and take

Climate Change discussions, considering her established

extreme pride in abstractly establishing themselves as the

substantial contributions. Almost the entire section on Youth

preeminent animal; however, many human actions do not

above could, in some fashion, be analyzed through eyes of a

appear to be carried out individualistically. Marshall

Greta!

McLuhan, in his 1962 ‘The Gutenberg Galaxy’ instructs, “[…] we reverse their [Elizabethans] pattern by confronting an

[E=MC2] “Extinction equals Man’s Carelessness Squared”

electric technology which would seem to render individualism

David Mackereth (2020).

obsolete and the corporate interdependence mandatory.”

MBE BUSINESS MAGAZINE APRIL 2021

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

However, John Locke (US Constitution recognition) during the

Speaking of political parties, Paul Krugman’s New York Times

Enlightenment Period comments, “Men being, as has been

article of January 15, 2018 ‘Know-Nothings for the 21st

said, by nature, all free, equal, and independent, no one can

Century’ highlights some parties do much better at naming

be put out of this estate, and subjected to the political power

themselves: “the [US] Know Nothing party of the 1850s, a

of another, without his own consent.”, (Two Treatises of

bigoted, xenophobic, anti-immigrant group that at its peak

Government, 1689). Noam Chomsky (b.1928) has construc-

included more than a hundred members of Congress and

tive advice with, “States are not moral agents; people are,

eight governors.”

and can impose moral standards on powerful institutions.” While we all internalize thinking from Jason Brennan in his

“I am a determinist, compelled to act as if free will existed,

2016 ‘Against Democracy’, “Democracy empowers each

because if I wish to live in a civilized society, I must act

person with an equal basic share of political power. […]

responsibly.” Einstein in His Own Words, edited by Anne

Because the share is so small, citizens have little incentive to

Rooney (2006)

use their power responsibly.” However, if you do not vote or become involved in the affairs of your country, you must pay

“Man owes his entire existence to the state, and has his being

attention to the reformer Martin Luther (1483 – 1546): “You

within it alone.” Georg Wilhelm Friedrich Hegel, Lectures of

are not only responsible for what you say [or do], but also for

the Philosophy of World History (1837).

what you do not say [or not do].” Voting is an individual process, and should stress the individual’s thoughts, and

“The relation of industry, of the world wealth generally, to the

represent one vote for one person, avoiding: “People tend to

political world is one of the major problems of our times.” Karl

see themselves as being on Team Democrat or Team

Marx, Critique of Hegel’s Philosophy of Right (1844).

Republican, team Labor or Team Conservative, and so on.”, Jason Brennan, Against Democracy (2016). Two thousand

“The ruling ideas of each age have ever been the ideas of its

years ago in the 1st century AD, Quintus Curtius Rufus was

ruling class.” Friedrich Engels and Karl Marx, The Communist

cautioning the population; “The mob has no ruler more potent

Manifesto (1848).

than superstition.” “A great authority upon human life, you remember, held over George Washington, in his 1796 Farwell Address, wanted to

two thousand years ago that great possessions were undesir-

make certain the people were conscientious when contemplat-

able.” Virginia Woolf, Three Guineas (1938).

ing political parties and their government: “[…] and warn you in the most solemn manner against the baneful effects of the

“He who has more possessions shall have greater fear of

spirit of party generally […] It serves always to distract the

losing them.” Leonardo da Vinci (1452 – 1519).

public councils and enfeeble the public administration.” Albert Einstein (1879 – 1955), using scientific analysis comments,

“Economic dominance feeds political power, and political

“The only justifiable purpose of political institutions is to

power further enlarges economic dominance.” Robert B.

assure the unhindered development of the individual. […] In

Reich, Saving Capitalism (2015)

these days of democratic government the fate of nations hangs on the people themselves; each individual must always bear that in mind.” It is the individual that has the rights and not the political party, and American Philosopher Robert Nozick assists in his 1974 ‘Anarchy, State, and Utopia’; “Individuals have rights […] so strong and far-reaching are these rights that they raise the question of what, if anything the state and its officials may do.” All this arriving under constant enormous pressures from contemporary institutions outlined by John Hands, in Cosmosapiens (2015), “Any investigation is heavily influenced by prior beliefs. […] The pressures to conform in any human institution are considerable.” And “The political process breaks down because people cease to be able to govern themselves; they demand to be managed.” informs Ivan Illich, Deschooling Society (1970).

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

MBE BUSINESS MAGAZINE APRIL 2021

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INTERVIEW WITH MP Shaun Chen

MBE BUSINESS MAGAZINE APRIL 2021

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

Shaun Chen is a Canadian politician who was elected as a

has been extremely difficult for Canadians, both financially

Member of Parliament to represent the newly established

and emotionally. Both the national and global economies have

riding of Scarborough North in the 2015 Canadian federal

suffered due to the virus. Travel restrictions and stay-at-home

election. He was re-elected as the riding’s MP in the 2019

orders have been difficult for many people. Feelings of

Canadian federal election, with an increased share of the

isolation have been widespread, and mental health needs

vote.

must be addressed.

MBE: It’s really a pleasure having you for this interview. Tell us about your early education, academic achievements and about your family?

The pandemic has cast a spotlight on our country’s biggest

MP Chen: My parents immigrated in the 1970s to Canada

long-term care, and the need for affordable housing. Yet these

from India, where they were born and raised. We are Hakka

are issues that have existed for many years in Canada, and

Chinese. I was born here. I grew up in Scarborough and went

COVID-19 has only deepened them. That is why our govern-

to Sir John A. Macdonald Collegiate Institute. Then I got my

ment has taken immediate action to support Canadians

BSc and MA from the University of Toronto. My parents did

through these difficult times, to build back better. We are

not have the opportunity to attend university, but they worked

taking this opportunity to build back in a way that creates a

hard as new immigrants to build a life and provide for their

more equitable and just society.

challenges. Issues such as the environment, income inequality, systemic racism and discrimination, gaps and failures in

family. My parents taught me the value of hard work and determination. That remains with me today.

MBE: What is your government doing to combat these challenges?

MBE: Tell us about your early political career, voluntary work and accomplishments?

MP Chen: After the initial outbreak of COVID-19, we immedi-

MP Chen: After graduating university with a degree in

Over the past year, we have introduced supports such as the

computer science and equity studies, I knew immediately that

Canada Emergency Wage Subsidy to help businesses keep

I wanted to give politics a try. I was always involved in student

their employees on the payroll, and the Canada Emergency

leadership, passionate about community service, throughout

Response Benefit to support Canadians who have lost their

both my high school and university years. I found myself in

income. We worked tirelessly to procure one of the world’s

2006 as a new graduate, and it happened to be a municipal

most diverse portfolios of COVID-19 vaccines. The result is

election year. Life somehow led me to right back to my calling,

that every Canadian who wants a vaccine will be able to get

so I put my name forward to run for public school Trustee. I

one, for free, by September 2021. We are not out of the

campaigned day and night, knocked on thousands of doors,

woods yet, but there is a light at the end of the tunnel.

ately helped Canadians to weather the unforeseen storm.

talked to countless voters, and fortunately I won that election.

MBE: Why have you chosen politics?

MBE: What major steps government has taken to fight against this pandemic?

MP Chen: It is important for all communities to have a voice. I

MP Chen: More than eight of every ten dollars spent in

feel that as a racialized person, a Canadian of Chinese

Canada to fight COVID-19 and support Canadians has been

descent and Indian background through my parents, our

spent by our federal government. We have invested in

voices are not always heard. We are too often underrepresent-

childcare, long-term care, emergency supports for business-

ed, especially in politics. Being heard and included begins

es, benefits for seniors, education for our children and youth,

with being involved. I am incredibly proud of the riding that I

and funding for everyday families. Our first and foremost

represent - it is made up of one of the most diverse popula-

priority is the safety and security of all Canadians, and we

tions in Canada. In fact, 91% of our riding identifies as a

have an ambitious plan to safely restart our economy.

visible minority, according to the last census, and that is our community is my passion, working to ensure that all

MBE: Being in Minority government, do you see an election coming this year?

voices are heard in the decisions that affect our lives.

MP Chen: My focus right now is on supporting Canadians

highest percentage among all ridings in the country. Serving

through the pandemic. I believe that should be the focus of

MBE: How do you see the COVID crisis affecting Canadians in the short and long term?

every parliamentarian looking to make a positive difference in

MP Chen: The COVID-19 pandemic has challenged our

an election right now, and neither do I.

these unprecedented times. I do not believe Canadians want

country and our world in so many ways. In the short term, it

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

MBE BUSINESS MAGAZINE APRIL 2021

MBE: Why is the Liberal government a good choice for Canadians in any upcoming elections? Also if you could shed some light on what has your government doing, and view to support your constituency, especially small businesses in this tough time?

to retool and manufacture PPE that is being used to protect

MP Chen: : Over the past year, I have secured donations of

MP Chen: I enjoy travelling for leisure. Unfortunately, I do not

over 273,000 surgical masks, N95 masks, face shields,

have any plans to travel anytime soon. I also enjoy biking and

gloves, and gowns to protect local frontline workers and

hiking, and thankfully I was able to do some hiking over the

vulnerable populations, including our seniors. I have also

summer. Like many people, I also watched a lot of Netflix last

delivered food, PPE and other supplies to the two seniors’

year. It was nice to see Unsolved Mysteries make a

residences in our riding, Sts. Peter and Paul Senior

comeback. It used to be on TV in the 80s, and I remember

Residence, and the Yee Hong Centre for Geriatric Care.

getting frightened by it as a kid. The theme song is still super

Canadians and save lives.

MBE: Tell us about your personal life like hobbies, family, sports and favourite TV shows?

creepy. When it comes to small businesses, they are indeed the

countless local business owners, ensuring that they are

Lastly would you like to give any message or advice to our young and aspiring readers who might want to pursue similar goals?

connected to our government’s emergency programs. I have

“Politics is not easy, but it is well worth it. Roll up your

visited local eateries, restaurants and shops, featuring them

sleeves, get ready for hard work, stay resilient, and remain

on my social media channels and encouraging residents to

determined to make a positive difference.”

backbone of our community. We have many in our diverse and vibrant Scarborough North constituency. I have spoken to

shop local and support local businesses. I have also visited manufacturing facilities like Canada Goose, which was given a federal government contract to produce PPE. The Canada Goose medical gowns are being used by

MBE: Thank you so much for your time. Our aspiring readers will surely have a lot to take from your views on politics and from your journey. We hope and wish best of luck to you for your venture.

our frontline medical personnel. It is a wonderful success story, that we have been able to rely on Canadian companies

MBE BUSINESS MAGAZINE APRIL 2021

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

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horoscopes

april 2021 aries Contrary to the old adage, April won’t

Under this enduring square, efforts to

and sharing your message. Reach

come in like a lion this year—though

create a cohesive group could be

out to contacts and friends you

it will, as always, go out like a Ram

interrupted by curveballs around

haven’t talked to in a while. Work your

(#AriesSeason). The cosmic gods

money, work and productivity. If

network!

finally deliver some gentle energy this

you’re working from home, a year of

month, along with moments of ease

trying to pull off your Aries magic with

Since January 6, Mars has been

and flow. Take full advantage and

a totally virtual crew could hit

traveling through Taurus, heating up

downshift for the first three weeks of

inevitable roadblocks.

your second house—aka the

April. You deserve it!

“financial district” of your chart. Rather than plow ahead, pause and

Money tension may have flared up

With the Sun in Pisces and your

look at new systems and structures

since the new year, or career

dreamy twelfth house until April 20,

you could create for better workability.

demands might have brought short

let yourself have a much-needed

Simply trying to replicate the “old

deadlines and long hours. Relief will

respite. Escape into your imagination,

way” won’t get you through 2021,

arrive as Mars exits this zone and

indulge in self-care or just do a whole

especially now that we’re under the

encourages you to find kindred spirits

lotta nothing. Don’t worry about

diligent watch of the Metal Ox. If you

and collaborators. Speak up instead

losing your edge because your

can mix your go-getter Aries magic

of expecting people to read your

firepower will be back full blaze when

with a solid plan and budget, brilliant

mind!

the Sun enters Aries for a month on

ideas can come to life—and sustain

April 20, setting off spring fever.

you for years to come.

The one intense aspect that we’ll feel all month is a lingering 90-degree

Week 1: Raise your voice

square as structured Saturn challeng-

Got something to say, Aries? Get

a do-over of sorts in the form of a

es disruptive Uranus. After making an

ready to share it. This Wednesday,

new moon in romantic Pisces—close-

exact gridlock on February 17, they’re

April 3, your ruling planet, Mars,

ly flanked by irresistible Venus and

moving apart, and will connect again

moves into Gemini, activating your

dreamy Neptune—on Saturday, April

on June 14 and December 24.

third house of communication until

13. They’ll all be cozied up together

April 23. Start spreading the news

in your healing twelfth house,

MBE BUSINESS MAGAZINE APRIL 2021

Week 2: Dream a little dream Was Valentine’s Day kind of a wash this year, Aries? This week presents

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

stimulating your deepest fantasies,

Dress up for the occasion while you’re

sonal issues to sort through. This full

creativity and dreams—and encourag-

at it, Ram! On Sunday, April 21, stylish

moon will stand opposite harmonizer

ing you to gently let go of anything (or

and romantic Venus will move into

Venus, which is in YOUR sign, where

anyone) that might steal your shine

Aries until April 14, making you the

it is said to be in “detriment," meaning

once the Sun moves into Aries next

zodiac’s head-turner. If you haven’t

that some of its more positive qualities

week and the spotlight comes your

added many new pieces to your

can be weakened.

way.

wardrobe since the pandemic started—or you’re still rocking that

And while an opposition between the

New moons always mark beginnings,

“Zoom mullet” (business on the top,

emotional moon and loving Venus is

and the twelfth house is all about

athleisure on the bottom)—treat

much kinder than most planetary

endings. This week, clean your slate in

yourself to a little birthday style boost

face-offs, it can amplify your desire for

preparation for the fresh start. The

and find a great spring sale deal.

love and attention, along with feelings

twelfth house rules the subconscious,

of emotional deprivation and dissatis-

so keep a journal or notepad close to

Also on Sunday, your ruling planet,

faction, taking you to the edge of

your bed. You’re going to want to jot

energizer Mars, will form a supportive

neediness. Couple that with Libra’s

down any late-night or just-upon-wak-

trine to stabilizing Saturn, helping you

partner-oriented focus opposing your

ing revelations. They might not make

put some infrastructure behind your

natural Aries desire for independence,

sense, but don’t dismiss these images

big ideas. With Mars in your communi-

and you may find yourself feeling out

as they come from the deepest, most

cation zone and Saturn in your

of sorts.

hidden parts of your soul. Whatever

teamwork house, some heavy-hitting

insightful seeds you plant now will

collaborators could appear. Screen

Tune in to your feelings: Is there

unfold between now and the Pisces

their credentials and experience

something giving you pause about a

full moon on September 20.

carefully, no matter how excited you

relationship, a sense that something is

feel about the possibilities.

missing from your connection? Don’t

After riding out ridiculously stormy

sweep it aside, Aries. Rather, try to

skies for most of last year, this week

Conversations with friends and

get it out into the open. You may not

could be a peaceful, soothing oasis.

colleagues are likely to be energized

instantly get on the same page with

Keep your calendar light so you can

this week. Don’t just TALK about your

your sweetie, but if you don’t voice

enjoy the restorative and reflective

novel concepts; hash out a rough

your concerns, they’re bound to linger

energy. Then, don’t forget to spring

plan. Got a great business idea? Find

in the background. Better to resolve

forward into daylight saving time on

out what it would take to make a

this now!

Sunday, April 14 (aka Pi day). Instead,

prototype or an MVP (minimum viable

hatch a lovely plan for how you’re

product—Google it!) that could turn

going to make up for that lost hour

this seedling into reality.

when Aries season hits the all-about-you button next week.

Week 3: Aries season is here!

Week 4: What do you need? April’s final week presents a balancing act as the annual Libra full moon

At last! This Saturday, April 20, the

sweetens the skies on Sunday, April

Sun moves into Aries, officially

28. As these harmonizing beams

starting spring and your birthday

illuminate your partnership house, a

season. Shake off those sleepy

contract or commitment could become

hibernation vibes and get ready to

official. Look back to the Libra new

rejoin the waking world. Between now

moon of October 16, 2020, for clues

and April 19, your sign rules the skies,

on where you could seal the deal this

making this the perfect time to start

week!

any new initiatives or debut a fresh idea.

Before you can sign on the dotted line, though, there may be a few interper-

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

MBE BUSINESS MAGAZINE APRIL 2021

CROSSWORD PUZZLE

HAIL ALMA MATER ACROSS 1 Lauer of "The Today Show" 5 Some M*A*S*H* ranks 9 Bygone producer of the Trooper and the Wizard 14 Swiss river 15 Quickly, in memos 16 Provide food for 1 7 Title of Luxembourg's head of ﬆate (2 wds.) 19 Perrier competitor 20 Artie abode 21 Sculler's need 23" _______Well That Ends Well" 24 Beﬆ-known victim of Lucy van Pelt 28"As _______ on TV" 29 Time piece? 33 Deluge refuge 36 Suitable for service 39Anglo _______ 40 Formative place for well-to-do young women ... or what 17-, 24-, 52-, and 66-Across all have? (2 wds.) 44 Happening 45 Fireworks reaction 46 "Treasure Island" author's inits. 47 How often new Real Change issues come out 49 Slangy rejections 52 Cable TV's Duane "Dog" Chapman, for one (2 wds.) 58 Airline to Israel 61 Lucy who played Ling !Loo on "Ally McBeal" 62 Country rocker Steve 63 Famous fable guy 65 Chinese menu option (2 wds.) 68 _______voce (whispered) 69 Tugboat sound 70 City weﬆ of Tulsa 71 Live and breathe 72 Leadership org. for females: Abbr. 73 Caesar and Vicious Down 1 _______ 8-Ball (classic for tune-telling toy) 2 "Darn! She pulled the football

36 41

49 53

55 62

away again!" 3 Caref'ree song syllables 4 Some Met men 5 Like some scientiﬆs 6 Sun Devils' sch. 7 Dylan's singing son 8 Primitive weapon 9 Rocks, to a bartender 10 Georgia's oldeﬆ city 11 Water & electricity, e.g.: Abbr. 12 Enthusiasm 13 Coﬀee holders 18 1966 loser to Clinton 22CD-_______ 25 The "I" of I. M. Pei 26 Film composer Morricone 27 Minn. neighbor 30 Latin wife

61 64

28 34

19 21

10 16

31 One found in a belt or on a bench 32 Big deals in a photo lab: Abbr. 33 Cruise & Nicholson's“______ Good Men" (2 wds,) 34 Bank of Paris 35 Joint with a cap 37 Rock's Brian 38"The______and the Ecﬆacy" 41 Rorschach teﬆ images 42 Normandy battle site of 1944 (2 wds.) 43 Former Iranian ruler 48 Actor Brynner 50 Colored 51 Traps 53 Peachy-keen 54 Author Scott who penned

"Presumed Innocent" 55 "Lemon Tree" singer Lopez 56 Charlton Heﬆon title role 57 Orcheﬆra section with oboesand clarinets 58 Nonchalance 59 Pope 1513-1521 60 ______ Spumante 64 Coﬀee holder 66 Quadrennial games org.: Abbr. 67 Touchdown ltrs.?: Abbr.

See previous issue answers on page # 21

MBE BUSINESS MAGAZINE APRIL 2021

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

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MBE BUSINESS MAGAZINE APRIL 2021

STEPS IN DECISION MAKING PROCESS IN THE WORLD OF MARKETING

DMM DEPARTMENT MB Enterprises

The process of decision making is highly imperative for every

them more seasonally and occasionally. This is particularly

marketer’s goal to get inside the consumer’s head. Consumer

true for any product or service, for e.g. clothing industry, a

behavior holds significance in this regards while making

more focused and prime example of evaluating different

evaluations of how a customer might behave for different

consumer behaviors. Measuring the consumer dynamics

brands and variable price plans. The key scenario for a

means you have a designed marketing plan suitable accord-

marketer in almost all marketing environments is to figure out

ing to the marketing environment. An environment for sure

how consumers might behave and make decisions and how

matters as it signifies and highlights the process of change.

can you increase their temptation to purchase a product or a

The different steps in consumer decision making process are

service. In the services industry, the reputation counts more,

discussed in detail below;

however, for a product, its marketing that really counts huge numbers.

An Evaluation of the Alternatives: Making evaluations of the alternative plans regards to the

Consumer Behavior, a sub-field of marketing & consumer

decision making process is as important as making a

marketing is for the study of different customer’s behaviors

contingency regards to a marketing plan. Once the consumer

towards a particular scenario. It determines their likes and

or a regular customer has determined finally what will satisfy

dislikes, how they manage to follow trends and what suits

their needs. They shall begin to seek out the best suitable

MBE BUSINESS MAGAZINE APRIL 2021

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

deal accordingly. Hence, this may be based on various factors

target demographics develops. Hence, than the need or urge

that includes price, quality or other factors that holds impor-

needs to be taken care of as it develops into a consumer’s

tance for them.

problem.

A normal customer behavior regards to decision making

Making an Evaluation of the Decision:

process is reading many reviews and then making a compara-

A useful evaluation of the decision making process starts

tive analysis of the prices. Finally, choosing the one that suits

once the purchase has been made. The next question that as

them ultimately.

a consumer you have to ask yourself is that whether it is

Recognizing the Problem:

above or below your expectations? Every marketer’s goal is not just a one-time customer but a life-time customer even if

The best way forward is making a recognition of the problem

the brand doesn’t demand customer retention. A superb

scenario. Most of the decision making starts with some sort of

experience from a customer can end up making him/her a

problem. Hence, in their mind with the passage of time, a

brand loyalty customer & vice-versa.

consumer develops a need or a desire that needs to be satisfied regards to their decision making. This is known as ‘brand loyalty’ as their loyalty aspects are based on many different criteria. When as a customer you realize when your

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

MBE BUSINESS MAGAZINE APRIL 2021

Ways In Which Teams Can Problem Solve

Better Than Individuals DMM DEPARTMENT MB Enterprises

Problem solving is an important aspect in the modern world

a brighter vision to the goals of the company and fulfills their

of business & corporate intelligence. As the saying goes ‘a

requirements of problem solving.

problem shared is a problem halved’, is vitally significant to understand that sharing can resolve issues more dynamically.

Being a problem solver is an added advantage for any

Bringing strategy into play through team work and bringing

individual, however, it also requires how an individual can

excellence into problem solving is the ultimate moto of

solve that problem and how many times with consistency.

working in teams. It’s indeed not an individual issue, the

Therefore, Team work is a higher level preference and is

problem is team-based and requires a think tank to work over

more fun while dealing with issues. It not only brings new

it. According to a survey in Stanford University, participant

dimensions to problem solving but it is indeed an added

tasked with achieving a goal worked 64% longer than results

advantage for the company. Increases levels of motivation,

achieved in a Team. This survey also showed that people

standards of working in team and team collaborations.

working in a Team environment were more engaged than

Indeed, an art that leads to higher levels of success on a

those who worked alone.

day-to-day basis. Some of the ways to get most from Team work are as follows;

WHY PROBLEM SOLVING REQUIRES TEAM WORK: Problem solving in today’s world is indeed an art that is

BEING OPEN TO DIFFERENT VIEWPOINTS:

achieved with excellence. It requires team work and support

An advantage that is overwhelming in team work is diversity

of the whole unit mainly because of different mindset working

of perspectives and openness to different viewpoints.

on the same issue or problem. Ultimately, saves time as well

Naturally, there are more than one ways to achieve a certain

as the amount of monetary values attached in solving a

task, or solving a certain issue. However, the best one is

problem. Team work certainly has no compromise as it gives

chosen after the team is open to different perspectives. The

MBE BUSINESS MAGAZINE APRIL 2021

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

team is actually being more creative and visionary in

SHARING ENCOURAGEMENT & SUPPORT IN TEAM:

approach. While working solo on any problem restricts your

Sharing is caring in every environment, at the same time

view and perspective, i.e. you have one single view, yours

sharing encouragement & support is a vital element in team

own. Not indeed an issue if you are expert, but if you are not,

work. While working alone, it’s easy to get frustrated at your

than it certainly requires the expertise of team work. There-

own lack of progress and difficulties in problem solving.

fore, thinking outside the box can become much easier when

However, with encouragement & moral support, the frustra-

you aren’t looking at it from just one angle.

tion levels are always minimized. The maintenance of a

A DEDICATED SPACE IS CREATED FOR TEAM COLLBORATION:

morale in the team is more important, which means encouraging your team members on a good idea, if you are a team leader. An approach that will definitely boost the whole team

While you are working in Team with team collaborations there

for future collaborations. The ultimate objective is valuable

is a space that is dedicated for you and the team automatical-

and useful contributions from most team players.

ly. This space is indeed a huge pre-requisite for solving many are being synchronized together for working in team and their

DEALING WITH PERSONALITY CONFLICTS & DIVERGENT VIEWPOINTS:

paradigms are more aligned for similar goals.

What’s most important while problem solving in Team

problems with a set design. The key is how different brains

BUILDING UP ON EACH OTHER’S IDEAS:

environment is dealing with conflicts and different viewpoints? Conflicts are bound to happen in team environments because

How can you build up on the ideas of others is a key question

of different perspectives and having different opinions.

in a team work? This indeed shows your commitments for

Ultimately, it’s the role of the team leader to analyze what’s

problem solving and why every notion and every idea is

best while dealing with personality conflicts. How different

important for you. An idea might be from a weak member of

viewpoints are more suitable to the problem you need to

the team, but building up on that will definitely bring your

solve is the ultimate decision of the team leader. In future, this

goals of problem solving closer. Hence, automatically

will help individuals working in team much easier as they will

increases your success probability to a larger extent.

have the patience to listen to each other. Different opinion matters significantly, but divergence from the main problem is not required in a team scenario.

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

MBE BUSINESS MAGAZINE APRIL 2021

EASTER SYMBOLS & TRADITIONS IN CHRISTIANITY DMM DEPARTMENT MB Enterprises

The Easter symbols and different

some of the modern additions in the

the source of delivering the decorated

traditions on the occasion of Easter

traditions of Easter is the consump-

eggs. This is specifically to Well-be-

have evolved over a period of time.

tion of Easter Candy.

haved children on the Easter Sunday.

Although, some traditions have been

The Easter bunny has over the years

there for centuries as it is the

Easter will be celebrated in Canada

become and transformed into being

celebration of the resurrection of

on the 4th April, known as the Easter

the most prominent symbol of the

Jesus Christ. Christ was born to

Sunday, and the next day, also known

Christian holiday. Having ambiguity

mother Mary as a miracle child, and

as Easter Monday will be a public

over many things that relates to

is the prophet of Christianity. Hence,

holiday in some provinces in Canada.

Easter Bunny being a symbol.

the most prominent of the symbols of

Hence, in some provinces it’s a

However, rabbits are more probably

the Christian holiday is the Easter

Statutory Holiday, while in others it’s

known to be creators being ancient

bunny. The other includes Easter

optional.

symbol of fertility and new life. Easter

eggs, Easter Parade, Easter lilies and

Bunny as a symbol shows that soon

THE EASTER BUNNY:

there will be a huge revolutionary

particularly recognized as symbols

It’s not mentioned in the Holy Bible,

change in your life. This is all part of

that bring change, and their unique-

as there is no mention of the

the Christian beliefs lifecycle. More

ness is guaranteed. Hence, as part of

long-eared short tail creature who is

significantly also seen as a symbol of

finally Lamb. All these symbols are

MBE BUSINESS MAGAZINE APRIL 2021

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

hope, as hope is the only way to

LAMB:

Around the Easter holiday they are

eliminate grief and shows doors of

Lamb is associated with many

used as decorations in Churches and

positivity.

religions as a symbol as it is with

homes. Furthermore, they symbolizes

Christianity as well. In the Islamic

the purity of Christ to the religion

EASTER EGGS:

traditions lamb is used commonly as

Christianity. These includes the many

Another most significant symbols of

the animal used for performing the

sacrifices made by Jesus for the love

The Easter festival is the Easter

duty of sacrifice. In Christian religion,

of Christianity and for the love of

Eggs. The customs of Easter Eggs is

Lamb is a traditional Easter food.

people. The lilies in form of flowers

more linked up to the pagan

However, Jews who have converted

further symbolizes the rebirth and the

traditions. The Eggs, is celebrated as

to Christianity continued with the

hope of Christ’s resurrection.

an ancient symbol of new life, a bit

tradition of eating Lamb at Easter.

similar in contrast to the Easter

As relates to history, lamb is the first

Lillies are the native to Japan and

Bunny. However, more closely they

fresh meats that is available after a

were brought to England in the year

are said to represent the emergence

very long winter and no livestock to

1777. Slowly with time the lilies

of Jesus Christ from the Tomb and

slaughter.

became the unofficial flower of Easter

resurrection. The decoration that is

celebrations all across the United

associated with these eggs dates

THE EASTER LILLIES:

back to at least the 13th Century, as

The Easter lilies are one of the

according to some vital sources.

symbols apart from Easter Bunny,

States.

Lamb, Easter eggs and others. W W W. M B E F O RYOU. C O M

MBE BUSINESS MAGAZINE APRIL 2021

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MBE BUSINESS MAGAZINE APRIL 2021

MANDATES & ROLES OF CANADA’S FEDERAL FOOD SAFETY PARTNERS DMM DEPARTMENT MB Enterprises

There are certain mandates and

Health Agency of Canada. These are

general public, while making Canada

some highly critical roles attached

organizations that helps in strict

a highly Safe society, especially

with the Canadian federal Food

monitoring & maintenance of strict

regards to Food maintenance

Safety partners. These mandates

quality standards related to the Food

standards.

helps in sustainable developments in

industry. Also known as ISO’s or

the Food Safety measures and

International Standards Organization,

The roles & mandates of the Federal

precautions needed in the food

as the food industry’s compliance for

Food Safety Partners are as follows;

industry. A very sensitive area

certain procedures. Especially, a vital

regards to Quality assurance and

part in the current times of pandemic,

defining roles in the Canada’s food

as challenges have been highly

CANADIAN FOOD INSPECTION AGENCY (CFIA):

safety industry. Apart from the efforts

increased.

CFIA or Canadian Food Inspection Agency is a science-based regulatory

of WHO, i.e. The World Health Organization, Canadian Food safety

The key areas where Canada’s

body that is dedicated for the

industry is merged with certain

federal food safety partner’s role

protection of Health & Well-being of

defined stakeholders that play a

comes into play are restaurants &

Canadians. This is especially by

pivotal role indeed. These includes

takeaways, Hospitality industry

safeguarding the Canada’s food

Govt. bodies known as CFIA or

Canada, and finally online food

supply and the plants and animals on

Canada’s Food Inspection agency,

selling partners in Canada. All these

which the food quality highly

Health Canada, and PHAC i.e. Public

are for the health & safety of the

depends. The responsibilities of CFIA

MBE BUSINESS MAGAZINE APRIL 2021

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

are shared with some other federal departments and

established in September 2004. This is following the recom-

agencies. These are agencies with provincial, territorial, and

mendations in response to the 2003 outbreak of SARS or

other municipal authorities. Also, includes private industry as

Severe Acute Respiratory Syndrome. The key mandates of

well as national & international stakeholders. The internation-

the Public Health Agency are contributions to the federal

al stakeholders holds especially key priorities for CFIA,

efforts to identify and for the reductions of public health risks

especially because of the international reputation in food

factors significantly. Also, to support national level awareness

industry.

and readiness for public health threats. These threats includes carrying out the disease surveillance and some vital

HEALTH CANADA:

control activities.

Health Canada is another key organization that is responsible for the health & safety standards in Canada. This is a

Hence, this is generally with an emphasis of promoting

Govt.’s federal department that is responsible for helping the

co-operation with both the provincial and territorial govern-

Canadians maintain & improve their health. Another

ments. Primarily, also because monitoring and creating

science-based department working under the Govt.’s

awareness can be a challenge as Canada is a huge country

regulations, the aim is the reduction of risks to individual

w.r.t covered area. Therefore, what’s best is to divide the

health and overall risk associated to a department. Other

efforts on provincial and territorial grounds. This significantly

aims also includes the promotion of healthy lifestyle

reduces the risks of mismanagement & make the efforts

activities, ensuring high-quality health services that are

more sync in terms of results. PHAC has some key

efficient as well as accessible and providing all the relevant

objectives that they need to focus over a short span of time;

health information to the general public.

• Timely identification of outbreaks; • Identification of risks to inform risk management instantly;

More significantly, the role of Health Canada during the

• Detection of increases amongst the vectors indicating

current pandemic was highly integral in determining their

potential increased risk of infections.

overall efforts for the Canadian public. It significantly helped

• Provision of timely public health data; and

a great deal in controlling and monitoring of the pandemic in

• Contributions to international surveillance efforts, e.g.

all provinces & territories of Canada.

meeting WHO regulations.

PUBLIC HEALTH AGENCY OF CANADA (PHAC): PHAC, also known as Public Health Agency of Canada was

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DELAYS IN VACCINES IS A RESULT OF TRUDEAU’S POLITICAL PROBLEMS DMM DEPARTMENT MB Enterprises

Having delays in vaccines is resulting

and other highly preventive measures

as they possibly can. However, still

in huge political problems for Prime

that proved useful in the end. The

after that several of those vaccines

Minister Justin Trudeau and his Govt.

attitude earlier adopted by Trudeau

are still not available for the Canadian

However, on the contrary earlier the

was far better and optimistic than that

public. However, the famous vaccine

Govt. of Trudeau had received huge

of his counterpart from US, Mr.

manufacturer Pfizer Inc. unexpectedly

appreciations regards to their efforts

Trump, who was found more dismiss-

took modifications to a plant in

for the Canadian people while fighting

ive in terms of his behaviors and

Belgium. But they have been found

the pandemic. Their efforts have been

attitude.

delaying deliveries to countries &

exemplary and helped a great deal in

customers including Canada.

keeping the infection rates lower than

CANADIAN EFFORTS FOR VACCINE:

in neighboring United States. The

Canada’s recent efforts has been

It’s Pfizer Inc. the renowned Ameri-

early success of Canada & Canadian

satisfactory, but they can’t be termed

can Pharma company that has left

authorities in combatting the virus

as exemplary or heavy magnitude

PM Justin Trudeau in a highly

was attributed to their aggressive

efforts. The country at start of 2021

awkward position causing him

approach to fight against the pandem-

eventually contracted with seven

political problems. According to the

ic. This is while promoting wearing

vaccine manufacturers, in the urge to

US authorities it is too early for USA

masks in public, social distancing,

seeking to spread its risk as widely

to entertain the Canadian request of

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

MBE BUSINESS MAGAZINE APRIL 2021

vaccines as their focus was giving vaccine shots in arms in

costly. This is apart from their poor negotiation skills that has

USA. The Canadian officials & Govt. are found more or less

made Canada a less attractive marketplace. He laid empha-

in state of chaos demanding to know more facts about the

sis that Canada’s efforts could have been much brighter in

arrangements made for vaccine purchase. The confusion is

terms of vaccines in Canada.

found more in Govt. officials from Canada, the politicians of Canada & medical experts.

TRUDEAU’S RESPONSE- ‘A POSITIVE STEP ATLAST’ However, as part of being responsive, Trudeau’s spokesper-

OPINIONS OF POLITICIANS, EXPERTS & THINK-TANK:

son referred to the Prime Minister’s most recent press

According to a Politician from Canada’s Left-Wing New

conferences regarding vaccines. He discussed many issues

Democratic party, Trudeau’s Govt. is falling behind other

in conversation with the leaders of Pfizer Inc. and Moderna.

countries in vaccination efforts, resulting in finding a proper

Ironically, these are the first two companies to provide

plan for vaccination.

vaccines to Canada.

Many medical experts and politicians from Trudeau’s Govt. are of the opinion that Canada has done less efforts in developing their own vaccines and they made more efforts & reliance on vaccines & therapeutics developed in other countries. Another think-tank expert from Canada’s organization told that it’s the country’s poor intellectual rights protection and their health technology assessment that has proved to be

MBE BUSINESS MAGAZINE APRIL 2021

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Most Common Recruitment Challenges Faced By Hr Professionals

DMM DEPARTMENT MB Enterprises

Recruitment Challenges are a common problem in companies that are faced by HR Professionals. It is ironic that

1. MAKING QUICK HIRING DECISIONS: The importance of making quick and rapid hiring decisions is

Human resources or an organization’s workforce are the most

always a huge advantage as part of the recruitment and

important assets of a company. Ultimately, it’s the importance

hiring procedures. These are one of the major struggles that

of talent that holds vital importance for an organization.

the recruiters these days encounter, i.e. the hiring of the

Secondly, finding out best ways of talent management is also

resource in a very short span of time. It is also challenging for

the key role of management in a professional organization.

recruiters to meet the company’s expectations in a short span

The investment is the key that companies make for a better

if the company is undergoing a change management

organizational setup. However, for most companies and HR

program, or is under an expansion program. What holds key

Professionals recruitment & selection process is the most

here is the identification of talent, and an eye of an expert for

problematic scenario. What’s highly critical is the identification

a quick hiring decision.

of the correct JD or Job Descriptions in line with the demands of the role. It is not only the beginning of the recruitment process, but it’s also the beginning of the recruitment

2. BENCHMARKING THE SALARIES: Making the right benchmarks for the new recruits in terms of

challenges. Recruitment & Selection process relies heavily on

their salaries is indeed a vital concern. This is important as it

the goals of recruitment and how demanding is the role itself.

can get a bit difficult to analyze the needs of the job and in parallel the needs of the employees. Another important thing

The challenges of the recruitment team and also the ones

is that it may differ from one candidate to another depending

they most commonly face is in terms of getting the

on the abilities of the person, and their previous salary.

candidate’s time slots. This is especially in line with the

However, another key aspect that is a significant part of the

interviewing panel and the availability aspects of both parties.

recruitment process is the negotiation process. The HR

It is indeed a challenge of the hiring process that the recruit-

professionals during the negotiation process have to keep

ment team should eventually get over with.

certain key aspects in mind.

Below are some of the most common HR Challenges & their solutions?

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MBE BUSINESS MAGAZINE APRIL 2021

3. THE IMPORTANCE OF VERIFYING CREDENTIALS:

5. BRINGING THE RIGHT TALENT AT THE RIGHT TIME:

Yet another significant aspect is the huge importance of

The biggest challenge for HR professionals is bringing the

verifying credentials of an employee. Apart from previous

right talent at the right time. This is far better than wasting

work experience what holds vital is the authenticity of the

time in talent hunt for the position. This can increase the

candidate for the role with respect to academics. The HR

opportunity cost and at the same time can bring undesired

concern shouldn’t be only the academic records, but also the

losses to the company. As part of the ongoing challenges few

eligibility with regards to the degree and the position.

consultants find it difficult to provide resources with the

4. AN EFFECTIVE ONLINE HIRING PROCESS: Very common these days is an effective hiring process online

required time frame. However, few find it tough to document the process in the right way.

recruitment agency web links and websites. Filling in your

6. QUIICKLY ADAPTING TO CHANGES & GROWTH OF THE COMPANY:

details and applying online makes it a rather faster and more

Overlooking the HR Challenges and especially the recruit-

convenient process and you can have instant replies. The

ment process there needs to be rapid adaption to changes &

best thing about such a hiring process is easy to analyze the

growth of the company. This is especially true if the company

records and details before making a call for the interview. The

is undergoing a change management program and the

multiple online hiring tools provides loads and loads of

program significantly relates to the expansion & growth of the

flexibility and many options to customize and present the

company. Flexibility in adapting to variable conditions from

details of the firm. However, these tools also give the ability

HR Professionals truly eases the recruitment & hiring

to communicate with the candidates directly while giving them

process.

as most of the positions are marketed on job sites and

the opportunity to approach them in order to get a clearer view of potentials and skills. Also helps in significantly cutting down the costs of recruitment.

MBE BUSINESS MAGAZINE APRIL 2021

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Good Friday,

It’s Significance & Celebrations In Canada

DMM DEPARTMENT MB Enterprises

Apart from many other religious celebrations in Canada,

country where there are people from many different nationali-

Good Friday is also celebrated with the same compassion

ties. Also includes people from different religions, i.e. Islam,

and respect for Christianity. It holds huge sentiments for

Hinduism, Buddhists, Jews & other religions apart from major

followers of Christianity and Jesus Christ. Christianity is the

one being Christianity. The festivals from Christianity hold

most followed religion of the world and people of Christianity

huge importance levels for Christians also because its main

are observers of Christmas, Good Friday and Easter with

religion has been Christianity since many years.

huge compassion for both the religion and Jesus Christ. The followers and observers of the religion are all over the world

WHEN IS GOOD FRIDAY BEING CELEBRATED?

including whole of North America, South America e.g.

Good Friday will be celebrated all over the world as well as in

Argentina & Brazil and almost whole of Europe and Australia

Canada as an official holiday on 2nd April 2021. The day

& New Zealand. However, in Asia and Africa, the countries

occurs on the Friday before Easter and dates can vary every

with followers of Christianity are comparatively lesser. The

year in Canada as well as rest of the world. In most countries

religion is divided into three branches that includes Protes-

it is a declared holiday, while some of the countries that

tants, Catholic & (Eastern) Orthodox.

includes, Canada, England, Australia, New Zealand, Brazil, Argentina, Mexico, Germany, Spain, and France & many

In Canada, it is also followed with the same enthusiasm and

other Christianity following countries.

levels of commitments for people of Canada. It unites the

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MBE BUSINESS MAGAZINE APRIL 2021

However, in some countries it’s not an official holiday,

REASONS IT IS KNOWN AS GOOD FRIDAY IN CHRISTIANITY:

examples includes United States & Italy, both being Christian

According to many people it is strange to call the day as

dominated countries are just followers of the day instead of

‘Good Friday’, mainly because it was the day of crucifixion of

celebrating in form of an official holiday. However, this year

Jesus Christ from the world. However, looking at it with

just like the previous year it will be celebrated amid COVID-19

deeper insights and origin of the name it certainly becomes

restrictions. The restrictions in 2021 are a bit relaxed as

clearer. According to some historians the word “GOOD” is

Canada and the rest of the world is encountering the second

used here as an adjective applied to the day, which is also an

wave of COVID-19. This means the celebrations will largely

old English synonym for “HOLY” or ‘SACRED’. However, most

see the departure of COVID-19. However, in 2020 it was

of the Christians perceive the day as “good” as the message

celebrated with all the restrictions and precautions necessary

of Easter is of Christ’s victory over sin, death and the devil.

for the pandemic.

This is similar as indeed the New Testament is also known as

RELIGIOUS IMPORTANCE OF GOOD FRIDAY:

the Gospel, which is Greek for “Good News”.

There is a huge religious importance of Good Friday as these

THE TRADITIONS BEHIND ‘GOOD FRIDAY’:

are two most important dates in Christianity, i.e. the birth and

There are various traditions behind the following of Good

later the resurrection of Christ. According to the Christian

Friday as many church services are held in the afternoon.

beliefs, Jesus Christ was the Son of God, and upon his life

These start usually between noon to 3 pm while remember-

and teachings are the foundations of Christianity. His

ing the hours when Christ was crucified on the cross.

teachings are remembered on Good Friday along with his

However, some churches may also participate in the Venera-

sacrifices for the people. He is the prophet of Christianity

tion of the Cross. This is in form of a short ceremony during

whose efforts shall always be remembered.

which Christians kneel before the cross and affirm their faith.

It is a day of mourning while remembering the crucifixion of

It is not indeed a public holiday in neither Vatican City, nor in

the Christ, as people meditate on the sufferings of Jesus and

Italy. However, the Pope will say a mass at the Vatican City,

his death on the cross. What all this means for the faith is

i.e. the Holy City before it leads to an annual public prayer of

more valuable than any other outcome. What’s necessary are

Stations of the Cross at the Colosseum in Rome. This is

the sermons and the teachings of Jesus being remembered?

finally followed by a parade in form of a procession that is made to Palatine Hill, accompanied by a huge cross that is covered in burning torches. Signifying, the day of crucifixion that ultimately holds significance for Christianity.

MBE BUSINESS MAGAZINE APRIL 2021

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What You Need To Know Before Buying A Home In 2021 DMM DEPARTMENT MB Enterprises

A very common question in the diverse world of Real Estate

experts predicted at the start of this year. It is also not exactly

is what are the most common things you need knowing in

the slowdown experts predicted would happen at start of

2021 before you purchase a home? Real estate in 2021 in

COVID-19 either. Here is what the experts want you to know

Canada might not be the same as it has been in past

about the Canada’s Real Estate markets in the year 2021.

especially Pre-pandemic era. However, there are many other home buying, in Canada. According to most realtors, the

WHAT CAN HAPPEN IN CANADA’S REAL ESTATE MARKETS IN 2021?

season of winter is the sleepiest season for the Real estate

This is despite the pandemic COVID-19 that took place last

markets.

year, the real estate markets took off. A takeoff that happened

factors that as a common buyer you need to know regards to

when real estate was declared as a very essential service, as According to a Toronto based Real Estate agent, the housing

most population was working from their cozy homes and

markets were competitive before, but only in the first few

housing comforts was the key factor in the rise. Hence, the

weeks of January. A representative agent of Bosley Real

desire and want of Canadians for more relaxation space will

Estate claims that he has witnessed bidding wars with up to

keep strengthening the real estate markets in 2021. A record

70 offers in the GTA. This is not exactly the slowdown that

high demand for homes and a relatively low supplies in cities

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MBE BUSINESS MAGAZINE APRIL 2021

that includes Toronto and Vancouver are the factors that are

pandemic. Hence, still those who could afford to buy a home

driving the prices up and up.

in 2020 were the people who easily transferred to WFH setups, i.e. Work from Home setups. However, the most

The question now rises, how up? As in the year 2020, if we

suffered sectors for e.g. Tourism industry are the most likely

calculate the average Canadian house price, stats say a 17%

ones to be shut out. Hence, according to an urban planner &

rise in prices year over year. According to the realtor’s

director of The City Program at the Simon Fraser University.

predictions in 2021, the seller’s markets will continue forecast-

The Challenges in 2021 in the housing sectors will be faced

ing increase in prices b/w 4% to 6%. Another factor that is

by a huge population.

key is how many homes are put on sale.

VARIATIONS IN CANADA’S MORTGAGE RATES & TORONTO’S CONDO MARKETS:

However, in Toronto’s condo markets which dipped 8.7% last October will slowly be coming back to Pre-COVID prices. This sincerely means. If you are thinking to buy one, you might

If you are a homeowner already this could be the best time to

have a good deal. Especially, if you get lucky as there is still

break your mortgage. This breaking is for getting a lower

quite a bit of inventory on the market.

interest rates before they start to climb up again. According to the Royal Bank of Canada, they expect that interest rates in 2021 will stay at a low. However, we may also see that the long term rates sharing will start to creep slightly higher. Even in this scenario, the housing markets of Canada have a tendency and capability that shuts many people out of the markets. 2020 was a tough year relatively for Canadian housing markets & mortgage rates, ironically due to the

MBE BUSINESS MAGAZINE APRIL 2021

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HOW POS SYSTEMS ARE CHANGING THE RESTAURANT & HOSPITALITY INDUSTRY? DMM DEPARTMENT MB Enterprises

POS systems in the restaurant

devices, Wi-Fi-payments, transaction

become a useful part of the CRM

industry are a huge boost to sales

security and rapid response systems.

systems, while bridging the gaps

and an innovation in technology. The

between Customers and customer

hospitality industry is booming

The technology has specifically

everyday with on-going developments

impacted the way restaurants accept

& promotions in travel & tourism

payments, process orders, engage-

The latest trends in POS systems will

sector. Same is the case with

ment with customers and finally

definitely help you keep your

restaurant businesses as the food

manage their inventory.

hardware and software up-to-date.

sector is no more just a semi-profes-

services.

Also, ensures that you are equipped

sional food serving entity. In fact, it’s a

The change is for the sake of better

with all the tools needed for the

professional field where you not just

customer experiences that the POS

provision of a memorable customer

have to take care of many things at

systems have adapted dramatically

experience. Apart from this, gives you

the same time apart from the quality

as well as provision of tools to

the data insights to make informed

assurance procedures. Cash

business owners at exceptionally

business decisions.

handling has been reduced as it used

lower costs. It helps a great deal in

to be because of innovative, fast and

bringing customers closer in terms of

responsive POS technology that are

relationships and keeping all sort of

highly effective means of payments in

records of customers intact including

HOW MODERN ‘POS SYSTEMS’ ARE BRINGING THE REFORMS IN THE INDUSTRY?

PCI, i.e. Payments and Cards

their bills & payments and their

A huge credit goes to the way

Industry. An industry that is booming

complete transaction history. In

modern POS systems are bringing

everyday due to innovative POS

simple terms, POS systems have

rapid changes to the dynamic POS

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

MBE BUSINESS MAGAZINE APRIL 2021

industry. It is no more a secret that how technology can bring rapid improvements & transformations in the restaurant experience, a highly refined one as of today. It helps in keeping a record of your lunches that should be helpful for you in future decision making if you are a regular paying customer. The POS systems have also been impactful and much improved for higher levels of guest satisfaction and operational efficiency. Why ‘operational efficiency’ is so important? Hence, while we think in terms of operational efficiency and its importance, it’s imperative to realize the amount of competitors in the restaurant industry. Automatically, efficiency in POS systems is a huge upgrade in combatting the competitor’s strategy while achieving your own goals. As part of the revolutionary change culture, the restaurant are now able to build a culture based on quality assurance. With the time, POS has moved to higher levels, getting into the quality aspects of many businesses including restaurant & hospitality business. Mobile POS systems are good for customer interactions as they allow more time on floor with the customers. This has dynamically improved making more than one trips to the kitchen and cash register. Hence, as part of more refined reforms and similar to many other industries, the business of restaurant has evolved with time because of technology. From management point of view, things have dramatically improved and become much faster and highly efficient. Therefore, it’s up to the restaurant operators to make useful decisions and think for more competition in the restaurant industry.

POS TECHNOLOGY & MANAGEMENT DECISIONS: POS Technology has improved management decision making for future improvements in the restaurant & hospitality business. The CRM system attached with this is the Restaurant Management Software, is always on the change and the demands are increasing for the latest features. The simplest systems used for taking payments from the customers are now being replaced with other more dynamically improved systems. The replacement of the systems is with all-in-one technology platforms that are offering online ordering, loyalty programs, gift cards, CRM and more in terms of features. Hence, bringing more advancements & innovation in management decision making in the restaurant & hospitality business.

MBE BUSINESS MAGAZINE APRIL 2021

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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 a Regular or for Special guests 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, ﬁnances, 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 ﬁnd 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

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WE ARE HIRING!

RESORT MANAGER

MBE BUSINESS MAGAZINE APRIL 2021

The Most Sustainable Companies Of The World

DIGITAL MEDIA MARKETING MB Enterprises

Sustainability, an aspect in modern

ry in the corporate world. ‘CSR’, an

developer were among the global 100

industrialization that has changed the

acronym for Corporate Social Respon-

Index for the year 2021. This is

course of things in multiple ways. This

sibility needs attention due to environ-

according to Corporate Knights,

is primarily a huge requirement due to

mental measures & climate change

ranking the world’s most sustainable

concerns that relate to climate

that is a global concern for compa-

corporations. The Corporate Knights

change, greenhouse gases, pollution

nies, especially Multinationals. The

Global 100 index is considered a huge

control and many other green practic-

MNC sector invests billions of dollars

benchmark for corporate sustainability

es. Why are green practices so

towards CSR and environmental

every year.

necessary and how these practices

sustainability measures to make sure

are measured to evaluate the sustaina-

that they stick with the ‘Green

Here is the list of Top 10 most

bility of a company? There are many

Agenda’.

sustainable companies;

are used to measure the environmen-

In simple words, one of the biggest

1. SCHNEIDER ELECTRIC:

tal sustainability index of a company.

responsibilities for the protection of

An environmental sustainability index,

the planet falls on the corporate

also known as ‘ESI’ is a measure of

shoulders of the largest corporations.

overall progress towards environmen-

Hence, many of them are making

tal sustainability. It shows how

considered moves towards making

Schneider Electric, has been named

sustainable is the company and its

environmentally friendly businesses.

the most sustainable company in the

progress towards sustainability.

As we say that, the Google’s parent

world. The company is a European

Sustainable measures are being part

firm Alphabet, Tesla and AstraZaneca,

multinational energy and automation

of the CSR activities that are mandato-

the leading COVID-19 vaccine

provider. It has moved many levels up

answers to this and many drivers that

MBE BUSINESS MAGAZINE APRIL 2021

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from number 29th in 2020 to number

contributions to education. Last year, it

company is a US-based packaged

‘1’ following strict measures. The

was ranked 9, this year they have

and processed foods business firm.

company was recognized for its early

moved in Global sustainability

Since its index debut five years ago,

and sustained commitments to

rankings to number 3.

the company has moved 16 positions

environmental, social and governance issues. According to the CEO of

this year to enter the top 10 list.

4. NESTE:

Schneider Electric “All of us- compa-

7. KERING:

nies, governments, individuals- Can contribute to make the world Greener and more inclusive”.

2. ORSTED:

The company is known for its renewable diesel, sustainable aviation fuel

It is the only luxury conglomerate to

and development of chemical

make the list of top 10 most sustaina-

recycling. Chemical recycling is to

ble companies. Kering is a French firm

combat plastic waste and bringing

& the parent company of Gucci, Saint

innovation in refining raw materials

Laurent, Bottega Veneta, Ulysse

The oath of the company ‘Orsted’ is to

into renewable fuels. The company is

Nardin & Pomellato.

fight climate change through renewa-

definitely leading the way in sustaina-

ble energy. The company ‘Orsted’ was

bility. It’s a Finnish firm, and has

8. METSO OUTOTEC:

rated the second most sustainable

dropped one position from third place

‘Metso Outotec’ is a Finland-based

company on the planet. ‘Orsted’ is

to fourth in a year’s time. However, it’s

firm with headquarters in Helsinki,

from Denmark, and has been the

been in the list of Corporate Knights

Finland. Described as a frontrunner in

most sustainable company in the

Global 100 for consecutively 15 years.

sustainable technologies. It also ranks very high in services for aggregates,

world since three consecutive years. Just in 2021, the position has been

5 STANTEC:

mineral processing and recycling

taken by Schneider Electric. By 2025,

industries. The firm aims to make a

the company aims to be Carbon

sustainable impact on the planet.

neutral it has transformed its business They are still one of the largest

‘Stantec’ is a Canadian firm based in

9. AMERICAN WATER WORKS COMPANY:

renewable energy developers in the

Edmonton, Canada. The company is

The company is recognized for its

world.

one of the world’s most sustainable

leadership and transparency. It was

companies, it also leads the ways for

founded in 1886, in USA and is the

North America. The agendas are

largest publicly traded water and

clean revenue and clean investment,

wastewater utility firm.

from fossil fuels to renewable energy.

3. BANCO DO BRASIL:

i.e. goods and services with a highly clear environmental and social

10. CANADIAN NATIONAL RAILWAYS:

benefits.

Canadian national railway ranks number 10 and is the only railway

6. McCORMICK & COMPANY:

company in the world to make it in the

Banco Do Brasil, is a Brazilian

Top 10 list for 2021. The goals of the

company and the largest Bank by

company are aligned with the United

assets in Brazil and Latin America.

Nations Global Compact Standards

The company has consistently been

as well as the UN Sustainable

one of the most sustainable in the

development goals. It is a railway

world. Being an old firm that was

conglomerate and follows a global

formed some 212 years ago is always

standard for sustainability measures.

active regards to green practices. Banco highly aims to be inclusive and

Ranked as the sixth most sustainable

digitally transform society through the

corporation in the world and is also a

provision of internet access and useful

leader in the food industry. The

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

MBE BUSINESS MAGAZINE APRIL 2021

KEY TRENDS IN CUSTOMER CARE IN THE YEAR 2021

DIGITAL MEDIA MARKETING MB Enterprises

The year 2021, just like some

Guaranteeing customer satisfaction,

future of support and highlighting the

previous years will be a year full of

and making some useful efforts

trends in the industry. More over as

challenges for customer care. This is

regards to customer care are all part

customer’s expectations is on the rise

more or less due to the fact that this

of the trends analysis. What are

and is indeed an ingredient of success

year will be a year post pandemic and

Trends? In the customer service and

in the customer care and support

will have significant impacts of the

Support industry, trends are related to

industry.

current pandemic. Apart from this,

most common set of activities that are

there are some key trends in customer

followed traditionally by the practition-

Research into different areas has

care that will be followed in 2021.

ers. The industry pundits believe that

revealed some key trends that are

trends are the practices that helps in

vital for the growth;

achieving the benchmarks for future prospects. Trends and practices not only helps in making benchmarks, but

CUSTOMER EXPECTATIONS ARE ON THE RISE:

they are the key indicators of standards in customer care industry.

Being part of the trends in year 2021, the customer expectation is always on

MBE BUSINESS MAGAZINE APRIL 2021

Here, we are dealing with people who

the rise and the support needs

are highly judgmental regards to

catching up. This is not only regards to

products and services and hold

the work standards but also managing

opinions in form of feedbacks that are

the customer’s request and satisfac-

vital for future progress. Customer

tion levels on an everyday basis.

satisfaction is indeed vital for the

Customers as being the keenest W W W. M B E F O RYOU. C O M

consumers are looking for quick

will be seen as a common thing in

are affirmative that this is the key

personal support, 24/7. According to a

year 2021, as proactive support is the

metric they track most closely. The

2020 survey, 71% of support leaders

New Year’s resolution for dynamic

value of measuring the customer

say that customer expectations are

customer care. According to a

satisfaction enables businesses to

increasing. However, 44% of them

Customer Care survey, a huge 73% of

know successfully they are meeting

believe that support is meeting their

Support leaders want to switch from a

customer expectations. Something

expectations. The world of customer

reactive to a proactive approach. A

that is also vital for customer retention

care & customer service is a unique

reactive approach is not good for

aspects.

world where buyers have tens, if not

gaining momentum, and is indeed a

hundreds of choices. Therefore, more

slow approach in solving customer

Accordingly, good support means

importantly businesses, irrespective of

care issues. A proactive support

good business for most businesses in

their nature needs to deliver according

indeed empowers businesses to get

this pathway. A narrow focus on the

to the diverse needs of the customers.

way ahead of known customer

measure of customer experience or

questions and vital issues before they

efficiency alone misses the bigger

arise.

picture. Thus, the focus on this

Part of the top level challenges facing the customer support teams includes

pathway is to have a close eye on the big picture. Ironically, this is more

Finally, helping agents manage

A PATHWAY TO MEASURABLE BUSINESS IMPACT SLOWLY TAKES SHAPE:

conversation volume.

The end result in the identification of

ny.

increasing the workflow efficiency and meeting the customer’s expectations.

vitally after identification of what exactly is the big picture for a compa-

trends for 2021 is a systematic

A SHIFT TO ‘PROACTIVE SUPPORT’ GAINS MOMENTUM:

pathway that helps in measuring

What helps in gaining momentum

Customer support, the most wanted

necessary for customer support is a

metric for support teams is customer

‘Proactive Support’. Being proactive

satisfaction. A huge 26% of leaders

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

business impacts. In today’s world of

MBE BUSINESS MAGAZINE APRIL 2021

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MBE BUSINESS MAGAZINE APRIL 2021

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

MBE BUSINESS MAGAZINE APRIL 2021

FACTORS AFFECTING LIFE INSURANCE PREMIUMS & HOW? DMM DEPARTMENT MB Enterprises

There are a number of factors that

are working 9-5 and driving your way

your premium can be a bit on the

affect life insurance premiums and

to your work, or you have to travel a

higher side, if there is persistence

many different ways in which the

lot for your career or business

with activities that involves taking

premium is affected. In Canada the

purposes from a town to nearby

risks.

importance of Life Insurance is to a

metropolitan, i.e. to Toronto, from any

huge level & depends on the circum-

suburbs. There are always potential

The number of risks involved are as

stances and the risk factors associat-

risks involved to life that are always

follows;

ed. The current pandemic, i.e.

exposed to a person who is striving

COVID-19 is a huge example of how

every day at work. The risk can be at

1. THE AGE FACTOR:

life insurance holds importance for

your job site and it can be

Your current age is a highly signifi-

those who are highly prone to get the

somewhere you go for relaxation, i.e.

cant factor in determining the

disease. For some people irrespec-

having a coffee after work, or an

premium for insurance companies.

tive of the risks associated COVID-19

exercise.

For people more than 60 years old the age factor comes into play and

is a huge threat and needs life insurance as a backup. Life insurance

The aim of the Life Insurance

they have a probability of dying more

premiums vary according to age,

companies is to analyze the risks

than someone who is 40 or 45 years

occupation, health hazards, risks

involved and give the best suitable

old. This is also irrespective of

levels associated and also the

solution regards to the risks and how

drinking and smoking habits of a

different number of factors that can

to get away with it intelligently. If you

particular person, and how these vary

affect the life insurance premium.

are into hiking and outdoor activities,

with age. Yet another thing that

there are a number of risks involved

matters is the Life Expectancy, as L/E

that you need to overlook. However,

in Canada is high, i.e. almost 82

Risk to life is always there while you

MBE BUSINESS MAGAZINE APRIL 2021

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

years old average, which means you can have a good

4. CONSUMPTION OF ALCOHOL OR TOBACCO:

premium on your Life insurance even if you apply at the age

Being a regular consumer of alcohol or Tobacco increases

of 60.

your risk to death and hence the insurance premium that is associated with it. However, even if you are a consumer, it

Life expectancy matters due to the living standards in the

depends whether you are a regular consumer, a casual

country and a country’s happy index apart from many other

consumer, a high consumer or only consume in social

factors.

gatherings or parties. All these different categories of alcohol

2. YOUR HEALTH HISTORY:

and tobacco consumption determines your insurance premium.

The health history of a particular person is yet another factor that determines the life insurance premium. If you have a

5. HOW FREQUENTLY YOU TRAVEL?

weak health record, weight issues or you are prone to heart

Your foreign or local travel and how frequently you travel is a

diseases and attacks, your insurance premium will be

factor that determines the insurance premium. Some key

automatically on a higher side. However, your health history

elements that further depends while you are travelling are

being on the good side, you exercise regularly and you have

duration of travel, your frequent mode of transport, your

a healthy diet. Ironically, it will impact your lifestyle positively

destination, the country risks associated and finally how

and your premium will be relatively on a lower side. This is

often you travel i.e. frequency of travels to a certain place. All

mainly because you are not prone to death due to sudden

these factors determines the insurance premium for your life

health condition or a heart attack.

insurance plan and how this premium varies.

Health history also includes any family health history such as

6. HEALTH & WELL-BEING:

cancer in family, or being diabetic or having weight issues. All

The health and well-being factor is part of healthy living

these are factors analyzed before coming to an insurance

lifestyle and the insurance premium for your life insurance

premium figure.

depends on this as well. Amazingly, this is apart from the so

3. RISKS AT WORK:

many factors associated with Life insurance. A healthy lifestyle depends on the country you are living, your daily

Life at work in Canada matters a lot while making calcula-

eating habits, and your personal circumstances, i.e. your

tions for an insurance premium. If you are a construction

family life and your married life. Part of the well-being are the

worker, a miner, or involved in high risks activity at work

key things associated, i.e. your inclination to sports or daily

place, automatically your insurance premium will be on a

exercises, having a busy life style and being happy with your

higher side. Alternatively, you are 9-5 workaholic working in a

family & kids.

safe and secure office environment. Obviously, your risk to death at work or due to any fatal injuries should be really low.

Ultimately, your heart is your source of a healthy lifestyle and how well can you maintain your health also matters. Health is Wealth in the insurance industry.

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

MBE BUSINESS MAGAZINE APRIL 2021

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

St Patrick’s Day & Its Global Significance DMM DEPARTMENT MB Enterprises

St. Patrick’s Day was celebrated on

during the feast on March 17. The law

the 17th of March 2021 in Canada

further stated that all the pubs remain

and was followed as a public holiday

closed on St. Patrick’s Day, until

WHY THE DAY IS OBSERVED AS A PUBLIC HOLIDAY IN SOME PROVINCES?

in only Newfoundland and Labrador

1970’s when the laws were revised

17th of March is observed all over the

provinces. It is the feast day of the

and relaxed. Hence, this day contin-

Christian world and in some countries

patron Saint of Ireland and has a

ues to be and is still observed as a

it is a public holiday as well. Especial-

huge global significance all over the

traditional feast day by a number of

ly, countries like Canada, United

world especially the Christian world

Churches. These Churches includes

States, U.K. & Ireland, Italy, Spain,

including Canada. It was in the

Church of Ireland, The Catholic

Argentina, and rest of the prominent

memory of Ireland’s most loved and

Church, The Anglican Communion,

Christianity observing nations strictly

most known Saint, known as St.

The Eastern Orthodox Church, and

observe this day. This is significantly

Patrick in the year 1631. With the

finally the Lutheran Church.

as it is the feast day observed by

exception of St. Patrick’s feast day,

Church of Ireland. Followed by the

the consumption of alcohol that was

There are a variety of number of

Church of Ireland are The Catholic

prohibited by the Church because of

activities that takes place on St.

Church, the Anglican Communion,

the holy season of Lent, was allowed

Patrick’s day and these activities

The Eastern Orthodox Church, and

on St. Patrick’s Day as it was a

includes being Irish for the Day, i.e.

finally the Lutheran Church. In

declared feast day.

acting like Irish by wearing traditional

Canada specifically, it’s a public

Irish clothing and eating mainly Irish

holiday in two provinces because of

It was due to this significant relaxa-

cuisines. Furthermore, watching a

Christians in Canada from many

tion in the Irish laws that eventually

parade, and finally hunting for the

different Christian disciples.

allowed to curtail the use of alcohol

Leprechauns.

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

MBE BUSINESS MAGAZINE APRIL 2021

The main religion of people living in Canada is Christianity

Patrick’s Day. Most of the people from different countries and

as it is the most followed religion of the entire world and

nationalities in Canada want to wear green as a symbol on

followed by the masses world over. The importance of Saint

17th of March, i.e. St. Patrick’s Day. Many people love eating

Patrick’s Day is similar to St. George, Patron Saint of

Irish food on the day as the day originated from Ireland and

England, St David, the Patron Saint of Wales, and finally St

significantly because St. Patrick was the patron Saint of

Andrews, Patron St of Scotland. All these are the Saints from

Ireland. There are also a huge number of people who

United Kingdom and Ireland and have relevance and

attended the St. Patrick’s Day parades. These parades takes

significance regards to their specific countries.

place all over the world signifying the importance levels attached to the day. The main aim and motto is the remem-

HOW MOST PEOPLE CELEBRATE THE ST. PATRICK’S DAY?

brance & following of the day all over the globalized world.

There are plenty of different ways in which people from different countries & communities want to celebrate the St.

MBE BUSINESS MAGAZINE APRIL 2021

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

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MBE BUSINESS MAGAZINE APRIL 2021

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