ISSUE 65 | MAY 2021
LAUNCHING FOOD & COMMUTE SERVICES IN
CANADA PROFILE - Lisa Kalhans
President and CEO of Amex Bank of Canada
Pg. 22
THIS MONTH FOCUSING ON Mother’s Day Celebrations
Hotel & Hospitality Trends Reshaping The Industry
The Importance Of Online Marketing
The Business Challenges Faced By Franchise Owners Today
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31
Important Knowledge about
35
Canadian Universities Returning
05
How To Run A New Venture
37
Pros & Cons Of Outsourcing
07
Effective Leadership
39
Social Media & Its Effects On
09
Defining Strategies
42
Best Ways To Measure Sustainability Of Global Cities
15
Rogers To Boost Connections
44
Youngest Canadian Entrepreneurs
17
Pharmacies Get Another Win
48
Sleep Disorders & Their Link
19
3 Ways Customer Relationships
22
Lisa Kalhans - Profile
CONTENTS with An Existing Portfolio
& Sustainable Team Work Benefits
For Effective Performance Management
Firm broadens eligibility for affordable internet program in Ontario...
Drugstores will get $13.00 per administered vaccine shot under Ontario’s program.
Life, Disability, Mortgage, Travel, Critical Insurance
To In-person Classes As Before
In The Modern Business World
The Consumer’s Mental Health
The Achievement Listings
To Your Corporate Life
Are Changing Forever In Light Of COVID-19
President and CEO of Amex Bank of Canada
29
51
The Incredible Benefits Of Pos Systems For Small Businesses
HOROSCOPES May 2021 Taurus
53
The Best Places To Visit In Canada For A Summer Vacation
EDITOR'S LETTER Dear Readers, The May issue is here with our 65th edition of the MBE Business Magazine. With the unexpected surge in Covid-19 cases, it is recommended to take care of yourself and your family, wear a mask, maintain social distance and wash your hands. If you feel you may have any Covid-19 symptoms, self-quarantine and get yourself tested. From the team at the MBE Business Magazine, we wish everyone stay safe and healthy. This issue covers the profile of Lisa Kalhans President and CEO of Amex Bank of Canada; Article on running a new venture with an existing portfolio by Mr. Mansoor Naqvi; Benefits of effective leadership and sustainable team work by Mr. Mahmood Naqvi; Strategies for effective performance management By Mr. Alamdar; Important Knowledge about Life, Disability, Mortgage, Travel, Critical Insurance by Mr. Syed Hassan and last but not least, 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 just as interesting and informative as before. Our team has worked tirelessly to bring this issue to you thru our digital and social media platforms. We have launched our magazine website, so it will reach the maximum number of 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
How To Run A New Venture
With An Existing Portfolio Syed mANSOOR Naqvi
PRESIDENT MBE
Getting a new business venture while adding on to your
vision that can be seen in existing businesses in the current
existing business portfolio can be a huge challenge. Here the
portfolio. Hence, the vision stays the same, however, what
role of leadership is pretty useful, along with other depart-
changes is the magnitude of the company, w.r.t the opera-
ments. This role is highly manipulative and critical in terms of
tions, size, and the no. of employees. This is apart from the
merging the operations, and playing a catalyst role in future
increase in hiring capacities. Hence, this is all part of the
business developments.
change management process and procedures in place.
Having a right direction of the project and merging it with the
TRAINING & DEVELOPMENT PROGRAMS:
company’s existing operations has been a culture of MBE. It
The training & development programs are part of the develop-
has been one of MBE’s success secrets and effective in
ment strategies that are commonly implemented at the start
terms of finding out the right road-map for a business venture
of a business venture. Whether it’s a JV, i.e. joint Venture, or a
success.
BV, Business Venture that is been as part of the added operations in the existing businesses. Training & development
What’s more important is that the business venture that has
programs for new staff members and existing staffs ensures
been launched should have higher success capabilities for
measures that are being taken for a business venture.
future. There should be a planned ROI, i.e. Return on Investment set in advance, along with the payback period.
‘THE SECRET OF SUCCESS FOR MBE’:
Both of these are conclusive calculations in determining the
The secret of success for MBE in the past has been to
success of the new venture along with other businesses
develop a strategy and a road-map for a new venture that
already operational. As an entrepreneur the role should be to
helps in running the show. Similar is the case for M-rides, just
train people to merge with your ideas & the vision for
as we step into the commuting business, we have developed
success. The ideas of exemplary leadership regards to the
a comprehensive road-map that is highly detrimental in
business venture success should be transferred in the minds
defining a strategy for future. Apart from making a road-map,
of existing staff, co-workers & other business stakeholders. It
what’s necessary is how the various businesses will merge
is indeed an added advantage for the existing portfolio that
with current businesses. An example is M-rides merging with
will be a huge sustainable advantage in the long run.
our Digital marketing department in making profitable marketing campaigns on social media and other sources on
How it helps and determines the vision for the company or a
the World Wide Web. Other departments that are being
conglomerate is interesting to know. Every business venture
merged along with M-Rides includes IT & Operations as both
is an added advantage for the company’s vision. This is a
have a huge role in the smooth running of M-Rides. The
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MBE BUSINESS MAGAZINE MAY 2021
W W W. M B E F O RYOU. C O M
direction needs to be made sure, hence, the role of the
According to the theory of change management, the change
departments is highly influencing in this regards.
should proceed from higher management hierarchies towards the lower management hierarchies. Therefore, the higher
In the past, the strategy has been found to be comprehensive
management should take immediate action regards to the
one apart from being a culture of MBE Inc. One of the bigger
change followed by the lower management. These changes
level challenges of MBE Enterprises has been the launching
includes adaption to change strategies, decision making
of M-Rides as MBE have stepped for the first time in the
procedures and policies and finally the implementation phase.
commuting business.
The implementation phase in the change management process holds most priorities in terms of the operational
CHANGE MANAGEMENT PRACTICES IN PLACE:
practices.
In theory there have been change management practices in place, which means ‘expansion strategy’ as part of the growing business strategies. The expansion strategy involves increase of manpower, i.e. more hiring procedures. Hence, the growth of company means directly increasing factors that are associated with the expansion strategies.
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MBE BUSINESS MAGAZINE MAY 2021
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Effective Leadership & Sustainable Team Work Benefits SYED MAHMOOD NAQVI Vice President | MB Enterprises
What exactly is effective leadership, is
realistic targets for the company’s
leaders in small businesses, as
still a common question that has more
future. Working in a team has many
decisions can prove to be a turning
than one answer. If the leadership is
considerable benefits, and the team
point at the end of the day. Further-
successful, in most cases it is
leader’s role is to make optimum use
more, decisions can also prove to be
classified as effective leadership, and
of these benefits. Utilization of team
pivotal and effective in terms of the
good for the company. This is in terms
for bigger and better goals should be
results. The leadership role in small
of leadership style and how well the
the primary objective of the leader in a
companies is essential in terms of the
leader gels with their team is the key.
corporate setting.
execution of a charter or the vision.
Apart from the gelling around with the
This is particularly in the eyes of the
team, how well the leadership can
The role of a team leader for small
team members whose attitude highly
perform together with the team for
businesses is more in terms of the
matters for company’s future success.
company profitability and with
magnitude as compared to that of
There is no formula for success,
discipline. These are few key areas
large companies. The creative
however, there is an ideology that
where the leadership needs to act and
elements should come from the inside
works.
show the cutting edge. It’s also vital for
and the leader should be intelligent
the leadership to move forward with
enough to take own initiatives and
the goals of the company, and make
decisions. Decision making is key for
W W W. M B E F O RYOU. C O M
MBE BUSINESS MAGAZINE MAY 2021
07
‘HOW IT HELPS IN REMOVING OR SHARING THE BURDENS?’
‘HELPS SIGNIFICANTLY IN TALENT HUNT’:
‘PAIRING THE RIGHT PERSON FOR THE RIGHT JOB’:
Whether the business is large or
Talent hunt is not only the role of
Working effectively in a team environ-
small, doesn’t matter much, what’s
Human Resource manager or HR
ment is basically like ‘Hunting in Pairs’.
important is how the burdens are
department of a company. It is vitally a
It’s the duty of your leadership to
shared by leaders. The leader’s role
more proactive role of a team leader.
allocate you a team player that will act
effectively comes into play while
The leadership knows very well how
like a huge helping hand. The role of
sharing the burden from management.
and what they need for their team in
leadership is definitely to analyze the
This is indeed useful for effective task
terms of unique talent. Furthermore, a
situation, problem solve strategically,
management, quality control, decision
mix of abilities that includes academic
and finally go ahead with your
making & finally sharing the burden
talent, problem solving, analytical
effective assigning of job. Your motive
from management.
thinking and effective mannerism that
as a team leader is to move on with
is good for a corporate life.
your job requirements and develop a
‘Leadership’ and Team management
strategy that takes you home. It’s just
are indeed merged tasks that are
Finding the right talent for the compa-
like making a move, and proving that
equally important, but they have
ny and making that work effectively
the move is worthwhile enough.
impacts on each other. True leader-
needs some expertise and some
ship cannot be analyzed without team
taking. It can be challenging, however,
A strategy that significantly helps
management, and team management
it can be highly beneficial if you as a
leaders managing their teams and
cannot be effective without sound
leader get lucky. What’s more impor-
make fruitful evaluations of working
leadership.
tant apart from the luck factor is
together in a team environment.
analyzing strategically what exactly Helps a lot for company’s sustainabili-
you need for the company. Officially,
Once as a leader you know how to
ty while the burdens of management
as a complete package that will be of
manage your teams, the effectiveness
are shared. Shared leadership, and
huge importance to you as a team
reaches more heights. Hence, your
sharing values means business for
leader.
ranking as a leader also increases,
company in terms of multi-tasking of
and you are more of an asset for the
activities, and gaining the corporate
company.
edge.
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MBE BUSINESS MAGAZINE MAY 2021
W W W. M B E F O RYOU. C O M
Defining Strategies For Effective Performance Management SYED ALAMDAR HUSSAIN Country Head - MB Enterprises
Management strategies for effective
An individual’s performance evaluation
values regards to the amount of
performance management in the
holds huge amounts of success
performance management that takes
professional world needs a highly
criteria apart from building realistic
place in a growing company. In fact, all
effective insight. This is part of the HR
performance benchmarks. A highly
the performance evaluation revolves
and higher management strategies to
determining factor is the strategy for
around the most important element,
monitor more effectively the individual
evaluating performance benchmarks
i.e. employee motivational values.
competitiveness. Hence, this is apart
realistically. Effective performance
from the performance evaluations of
management is not just creating an
Some of the factors that are highly
employees on a daily, weekly, or
environment that works for positivity.
important in determining performance
monthly basis. How performance
Hence, it holds elements of leader-
evaluations for any company are as
management varies with department
ship, interpersonal relationships,
follows;
and role also matters for the evaluat-
constructive feedback and most
ing bodies and the company itself. It’s
importantly team work.
1. CREATING BENCHMARKS: The ability to create benchmarks as
mainly the role of the management to come up with the strategies of change
Apart from the strategies of change &
part of the strategies for performance
in the corporate culture. A culture that
change management, the individual’s
evaluations is highly needed. Setting
demands perfection at work and being
motivation counts huge numbers while
the performance benchmarks helps in
aggressive while making positive
identifying the key strategies. These
dealing with employee performances
moves forward.
elements of motivation holds deep
as part of their annual or half-yearly
W W W. M B E F O RYOU. C O M
MBE BUSINESS MAGAZINE MAY 2021
09
evaluations. Not only important for a large organization, but
4. EMPLOYEE EMPOWERMENT & OWNERSHIP:
also critical for a growing company. Benchmarking in most
Employee empowerment & Employee Ownership, both holds
cases initiates the change process for goodness as well as
values of being possessive as an employee for the company.
creates improvements in the hierarchies. It determines what
In a developing organization, it holds more values rather than
quality assurance needs guaranteeing by the employees.
for an established company or a MNC. Why this difference is
2. HIGHLIGHTING THE KPI’S:
observed more frequently? The answer to this question is simply because level of employee loyalty and relationship
KPI’s also known as Key Performance Indicators are set
matters with the magnitude of an organization. Hence, in the
targets instead of benchmarks or standards. These are
organizational hierarchies it definitely matters how you own
targets in different parameters and determines the perfor-
the company for future growth prospects.
mance evaluations leading to ‘Task Management’. Perfor-
Thus, an element that automatically triggers true values of
mance indicators helps a great deal in making analysis of
success and performance management. Also, makes things
performances for different employees in the corporate world.
easy for the management in the decision making process.
This is mainly because it means business for companies to highlight indicators in the real world. Highly necessary in
5. GATHERING CONSTRUCTIVE FEEDBACKS:
determining your goals while you stay a perfectionist at work.
Gathering constructive and immediate feedbacks for any employee or a department also is a key part of the perfor-
3. PERFORMANCE MANAGEMENT- ‘THE WORKPLACE ETHICS’
mance management strategies. It is in fact a highly determining factor, as feedbacks and true feedbacks are much needed in the process of change. Apart from the gathering of
Performance management according to the workplace ethics
feedbacks, it’s the huge level of transparencies that are
means a lot for the writ of the company. This part of the
attached in the feedback system. Therefore, it should only
performance management triggers true values of success
hold true constructive values instead of being specifically
while the employees know in their minds the company’s
judgmental.
goals. The workplace ethics are somehow connected directly or indirectly with the company culture and its environment.
Hence, to make the feedback system as a highly constructive
Hence, these ethics necessarily means that once you are at
one for future goals and performances. Immense amount of
work, you have an ideology to follow. Definitely, eases the
efforts needs to be contributed regularly regards to the
performance management for the Human resources as well
performance evaluation strategies.
as the higher management. Simply because it determines the good attitude of an employee at work place.
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MBE BUSINESS MAGAZINE MAY 2021
W W W. M B E F O RYOU. C O M
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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ROGERS TO BOOST CONNECTIONS STUART HIMMEL Staff Writer
Firm broadens eligibility for affordable internet program in Ontario, New Brunswick and Newfoundland
expanded to all Ontarians in
Officer Sevaun Palvetzian said many
rent-geared-to-income housing and
of the people the Connected for
to families receiving the maximum
Success program is intended for, use
Canada Child Benefit, as well as
the internet to access critical servic-
Rogers has announced a significant
people living in Newfoundland and
es. “It’s essential for us to be able to
Expansion of its affordable internet
New Brunswick in similar situations.
help close that digital divide” she said.
program, Connected for Success, hoping to reach 750,000 households
Now the program will also be
in Ontario, New Brunswick and
available to Ontarians receiving
The program provides internet for
Newfoundland.
income support through Ontario
$9.99 a month at a speed of 25
Disability Support Program (ODSP)
mbps, and is now adding two more
The program has already served
and for senior Ontarians receiving the
tiers for families that need higher
more than 25,000 households across
Guaranteed Income Supplement as
speeds. Families can get 75 mbps for
the three provinces, according to a
well as those in Newfoundland and
$24.99 and 150 mbps for $34.99. “We
Rogers’s spokesperson, and around
New Brunswick accessing similar
heard from our members that they
250,000 households are currently
programs. The expansion will add
could benefit from both, more choices
eligible.
around 750,000 new eligible house-
and faster speeds,” Palvetzian said.
holds.
Starting spring time Rogers will have added a 50 mbps option for $14.99,
It was first eligible to Toronto Community Housing residents, then later
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MBE BUSINESS MAGAZINE MAY 2021
Rogers’s chief communications
in line with the federal government’s
W W W. M B E F O RYOU. C O M
target and Palvetzian believes the private sector has an
access to the many other services that they have to connect
important role to play in bridging the digital divide. The
with”.
program also provides free installation and modem rental, unlimited data and no credit checks, meaning clients pay the
Recently a group of advocacy organizations announced a
monthly fee and nothing else.
day of action for affordable internet. The coalition includes researchers, telecom company TekSavvy and advocacy
Applications are taking through the Connected for Success
group ACORN Canada, which has been pushing for univer-
website and require verification that they are receiving one
sal access to $10/month internet for low income people for
the qualifying programs.
years.
Palvetzian said the pandemic has revealed just how essential
A January report showed that in Toronto, two in five house-
communication and connection are to everyday to everyday
holds have speeds below the targets set by the Canadian
life: “It is a critical part of life that we wanted to make sure
Radio-television and Telecommunications Commission.
everybody has access to.” She said the expansion of is the
Toronto recently announced plans to build its own affordable
next generation of the program which began in 2013 as a
internet system, with pilot projects in three low income areas
pilot project.
that could see service by the end of 2021. “This last year in particular has shown us the vital role that
The issue of affordable internet has been top of mind for
networks and connectivity play in all of our lives,” Rogers
many during the pandemic, as more parents have had to
Communications president Joe Natale said in a press
work from home, kids are being schooled remotely, and
release.
social services increasingly move on-line while the usual hotspots for free Wi-Fi, such as libraries and schools have
Federal Minister of Innovation, Science and Industry
been closed. The digital divide is becoming more acute
Francois-Philippe Champagne agreed in the press release
widening the gap between those who can afford good home
that the pandemic has reinforced the importance of afforda-
internet and those who can’t.
ble high-speed internet. “It is a priority for our Government to ensure that all Canadians get connected and we are
Marlene Ham, executive director of the Ontario Association
counting on our partners in the private sector to help us
of Interval and Transition Houses, said the network of social
achieve that goal. I congratulate Rogers on expanding its
services normally used by women and children accessing
Connected for Success program,” Champagne said.
shelters and transition houses was suddenly shifted online, making it difficult for those in low-income households to
Marlene Ham said she thinks the program can serve as a
access the programs they relied on.
model for other telecom companies, especially the big ones. “The world that we’re in right now and the pivot that has
The expansion of Connected for Success is “going to have a
occurred has really made internet essential. It really is no
significant impact, a positive impact for sure, for women and
longer a luxury. We do need everyone to be able to get on
children that we work with. This isn’t just going to increase
board. Rogers has been able to kind of demonstrate that as
their access to our services, but it will also help to increase
a part of the private sector, there are these possibilities.”
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Pharmacies Get Another Win STUART HIMMEL Staff Writer
Drugstores will get $13.00 per administered vaccine shot under Ontario’s program. Ontario’s vaccination efforts are providing to be a multimillion dollar enterprise for drug stores across the province. For every vaccine injected into a patient’s arm, Ontario’s pharmacies are set to receive a payment from the provincial government for their services. Justin Bates, CEO of the Ontario Pharmacies Association told the Star, the pharmacies will receive $13.00 from the provincial government for
W W W. M B E F O RYOU. C O M
every dose administered in the
The Ontario government approved
coming weeks.
325 pharmacies to administer doses of the AstraZeneca vaccine to
The meagre supply of doses provided
residents aged 60-64 as part of a
to pharmacies amount to a couple of
pilot program that began in
million dollars, spread across
Mid-March. The companies, which
hundreds of pharmacies that are part
include Shoppers Drug Mart, Rexall,
of the program. In the months ahead,
Walmart and Loblaw’s pharmacies,
the companies could bring in
received 164,500 doses of the
hundreds of million in cash as
vaccine to administer before they
vaccination efforts ramp up.
expired in April.
It’s another win for the industry in
Long lines of people were seen
what has already been a relatively
snaking out of pharmacies across
successful year. This helps cement
Toronto as they waited to receive the
pharmacies already strong authority
shot.
as a health care provider for Canadians.
Government contracts aside, the sudden increase in foot traffic should
MBE BUSINESS MAGAZINE MAY 2021
17
significantly increase sales. Each pharmacy is getting traffic
Under the $13 per dose agreement, Ontario’s pharmacies
to their stores , they’re going to have people waiting around
will collect approximately $2.1 million from the province for
in line and maybe waiting a few minutes after they got the
the ongoing pilot program. If the price stays the same,
shot (to check for any side effects). They’ll probably wander
pharmacies could earn much more in the coming months,
around and pick up a few things.
especially if some vaccines require two doses instead of one (at time of writing, all three suppliers required a second
Canada’s biggest drugstores, often subsidiaries of much
dose). There is talk of the government postponing the second
larger retailers, have little trouble weathering the economic
dose and providing the initial dose for those who otherwise
turbulence in the past year.
would not have received their dose until sometime late summer.
Loblaws Companies Ltd., parent company of Shoppers Drug mart, saw profit rise during the pandemic despite the added
This is definitely great business for the pharmacies. It’s
costs of safety measures and limit on customers in the store.
another source of revenue that they would not otherwise
Costco’s most recent quarterly earnings exceeded analysts’
have received.
forecasts, with sales growing much faster than expected. But there are expenses associated with this as well. PharmaThe companies were all deemed essential early in the
cies will be paying professionals to administer the shots at no
pandemic, allowing them to remain open and expand their
small cost and spread among the 325 businesses, individual
services as smaller store competition were closed.
earnings may not amount to much. With the many pharma-
Bates insists the vaccination efforts aren’t much of a money
cies out there, this will not be a huge money maker for them
maker. “It’s part of our contribution to help reach herd
but if it was my business, this is definitely a deal I would take.
immunity and have vaccination rates increased.” He also acknowledged the government partnerships can translate into business as people spend more time in pharmacies to receive vaccinations.
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MBE BUSINESS MAGAZINE MAY 2021
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3 Ways Customer Relationships
Are Changing Forever In Light Of COVID-19
ENTREPRENEUR.COM
Undoubtedly, COVID-19 has rocked the economy. The
Let growth goals take a backseat
International Monetary Fund’s (IMF) World Economic Outlook
If growing your customer base is a priority for your business
predicted the cumulative loss to the world’s GDP from 2020
right now, take a moment to reflect on the long-term cost of
to 2021 will be approximately $9 trillion. That’s more than the
that growth, both reputation-wise and financially, to determine
combined economies of Germany and Japan.
whether it is a sustainable pathway.
But the crisis has disrupted more than global markets, it has
Few businesses have been left untouched, if not unscathed,
changed people’s lives, needs, priorities and spending
by COVID-19. Consequently, many companies have been
behaviors. In harsh economic conditions, consumers become
forced to refocus their priorities, resources and goals to
more discerning with where and how they spend their money
survive the crisis. If your business has not considered the
for businesses, this creates a new set of challenges.
immediate or future economic impact of the pandemic and how it could affect your organization, you need to start doing
Customer-centricity is a term that has never been more
so now.
relevant than in today’s business landscape. In such extreme environments, customers want more than the best offering or
Part of evaluating this impact is looking at factors you can
the lowest price. They seek dependability, confidence and
control, or at the very least maintain, to ensure you keep as
trust in the brands they choose to do business with.
close to ‘Business As Usual’ as possible. A central element of your survival strategy is maintaining your existing customer
The end goal for a customer-centric business is customer
base.
loyalty. A dedicated customer base is key to surviving disruption, as they will continue to depend on your services
Focusing on customer acquisition to the detriment of your
even in challenging climates. But true customer-centricity is
existing ones can create a funnel effect, whereby a stream of
no set-and-forget solution. Retaining loyalty is about adapting
new business comes in, while just as many customers go
your offering depending on the changing needs of your
elsewhere. This can force companies into a spiral of deeper
customers, and in some instances, knowing what they want
and deeper discounts to attract new consumers to their pool,
before they do. This is where the modern reality of custom-
which eventually runs dry along with their revenue streams.
er-centricity starts to connect operations with experiences, creating new dimensions of customer excellence.
A research shows that new customers can cost five times more to convert than existing customers, indicating that it is
So how are businesses expected to predict or adjust to
much easier to expand and build-on existing loyalty than it is
evolving customer expectations? It begins with understanding
to tap into new client bases, especially during tough times.
how your company operates and what you need to change to keep your customer base as close as possible.
Do not fear missing out on opportunities for growth, rather, consider this crisis a chance to cement the fundamental
Here are three ways businesses can adapt to changing
processes and market share that make your business
customer relationships, in light of COVID-19.
scalable. There is no point investing in your business continuity if you have no customers on the other side.
W W W. M B E F O RYOU. C O M
MBE BUSINESS MAGAZINE MAY 2021
19
Operational excellence, but keep it customer-centric
Consider every digital touch-point of your customers’ experi-
Operational excellence is important, but carrying out a
ences as though they are leaving behind a fingerprint,
process 10 per cent better than the previous year does not
containing a goldmine of DNA or data that helps you better
matter if you miss the mark with your customer base.
understand their needs, expectations and concerns.
More recently, businesses have started tapping into a
To develop a comprehensive customer excellence picture, it
different mindset that sees the customer experience translat-
helps to combine each touch-point into what is known as
ed throughout an end-to-end process. For truly customer-cen-
journey maps. A high-level, intuitively readable diagram that
tric organizations, every decision and ambition has a custom-
enables you to view the user experience from an outside-in
er-focused outcome in mind, be that improved experience or
perspective across all your personas. The journey visualiza-
lasting sentiment.
tion will increasingly identify areas for persona-centric process improvement, while empowering business mapping,
Continuous improvement no longer exists in an echo-cham-
change, and operational transformation.
ber; the convergence of process excellence and customer experience is the new North Star, and this mindset is embed-
Keeping your finger on the customer’s pulse means you are
ded into the very structure of a business and its team.
on the front foot when it comes to evolving patterns of behavior. Immediate access to data-driven insights allow you
Data-driven for precision
to adapt your processes and keep customer’s satisfied, even
In a post-pandemic era, digital marketing and social communi-
in rapidly changing environments, boosting loyalty and
cation channels are the name of the game, and when used
retention rates.
correctly, can offer more specific insights into your customer’s behaviors.
Using these adaptations, businesses can come out of this crisis with the right fundamentals in place, rather than a set of
Utilizing customer data can be as simple as surveying your
lowest common denominators that damage your brand in the
existing customer base to gain actionable insights. The more
long term.
data you have, the more accurate these insights will be.
20
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WWW.CANADIANBUSINESS.COM
"I decided early on to just embrace the chaos that came from being both a work-from-home mom and a full-time CEO"
all-time high right now. What I learned,
reasonable, I’ll take meetings as
particularly in the past year, is that we
walking calls. I consciously make time
really need to dig deep and to find
for breaks and check-ins with my
new reserves of empathy to help
team, whether that’s over the phone or
Lisa Kalhans, president and CEO of
address these kinds of tough feelings.
Slack. Honestly, one of the biggest
Amex Bank of Canada. Here, she
I used to think that great leaders were
challenges has been to avoid feeling
chats with writer about the importance
smart and tough-as-nails. I still think
like I’m trapped in Groundhog Day.
of empathy, her working-from-home
those qualities are important, but if I’m
The pandemic taught me the impor-
sanity savers, COVID’s “crisis within a
honest with myself, the attribute I’ve
tance of changing things up daily.
crisis,” and how economic leaders can
relied on the most is actually listening
bolster a robust female workforce well
to what’s going on with folks in life and
into the future.
at work. Right now, it’s all about
How has parenting two kids while working been going?
balancing compassion with control.
Like most working parents, my two
How have your own views of effective leadership evolved in the two years since you started in your role as CEO of Amex Bank of Canada? Fatigue and frustration are at an
22
MBE BUSINESS MAGAZINE MAY 2021
worlds totally collided. I decided early
How has your role changed now that you’re working from home?
on to just embrace the chaos that
My new year’s resolution was all about
work-from-home mom and a full-time
owning my calendar versus my
CEO. It took the pressure off of me
calendar owning me. So when it’s
trying to be perfect all the time. There
came from being both a
W W W. M B E F O RYOU. C O M
have been an unbelievable number of
for Amex?
kid cameos in my meetings. (My kids
At Amex, I think about it in three
often just show up demanding
different ways: focusing on education,
snacks.) The other silver lining is that
focusing on engagement, and then
What takeaways do you hope to leave with attendees of our upcoming Women in Leadership virtual event?
my kids now have a better understand-
focusing on action. So when I think
In light of this extraordinarily difficult
ing of what Mom does at work.
about education, it’s all about the
year, a renewed sense of optimism for
experience of marginalized groups.
the future. We all need to remind
When I think about engagement, it’s
ourselves that surviving is thriving
all about activities and what it means
right now.
You have lengthy experience in spearheading high-performance teams. Have you ever experienced difficulty as a result of gender bias? If so, how did you overcome it?
to be actively anti-racist. And when I think about action, it’s about making a pledge to increase proper representa-
In my 20s, when I was starting out, I
tion among our colleague base, and
really felt like I needed to fight for
particularly among our executive
air-time in meetings—a lot of time with
ranks and our board.
male colleagues who are more In my 30s, I had to grapple with the
What can economic leaders do to ensure a robust female workforce?
physical and emotional reality of
If you’re in a position of power, we
motherhood and working, which
need to publicly sponsor and advocate
shouldn’t be a uniquely female set of
for women. That doesn’t always mean
challenges, but it often is. And now
one-to-one mentorship, although it
that I’m in my 40s, I’m able to look up
absolutely can. It’s about seeking out
and around, and take so much
and supporting businesses that are
inspiration from how the women
run by women. I hope that others are
around me succeed in their lives and
thinking about that responsibility in the
their careers. As I reflect on my own
same way: how to be an ally, how to
experience, it’s such a powerful
sponsor and how to patronize
reminder of why representation
businesses one-by-one.
confident in expressing their opinion.
matters, and why it’s so critical to have diversity at the top of companies.
What do you think are the biggest issues facing women in leadership today? I don’t have to look any further than
What advice would you give to yourself—and young women in general—who have aspirations to lead?
the impact of COVID to stare a
My career path has been anything but
substantial one in the face. We’re
linear, but as I look back, I only regret
faced with a crisis within a crisis when
the risks I didn’t take. Risk-taking
it comes to women leading. We
helps you build the skills you will need
actually commissioned a study on the
to lead data later down the line:
impacts of the pandemic on global
courage, resilience and the ability to
women found that 42 percent of
see the big picture. Another thing
Canadian women have actually left
2020 taught us is the importance of
their own professional positions to
making really big, hard decisions
focus on their family’s well being. It’s a
without all of the data. Many women
total emergency.
want to be 100 percent qualified for
Has the issue of diversity—specifically supporting workers who are women of colour—been a priority W W W. M B E F O RYOU. C O M
the next experience they take on, but you need to be comfortable with operating [within] ambiguity.
MBE BUSINESS MAGAZINE MAY 2021
23
Youth, Gender,
The Environment And The Separation Of State, Religion And Business Part Six
DAVID RALPH MACKERETH dmackereth@canimac.com
“[…] politics is always about moral questions.” is emphasized
able objective in sight.
by the Humanist Leon R. Kass in 1989. “[…] those who desire to treat politics and morals apart from one another will
“It is the practice of what has unjustly obtained in the name of
never understand either.” educates Jean-Jacques Rousseau,
civilization […] to make some provisions for persons becom-
Emile, or On Education (1762). “We’ve lost the idea that
ing poor and wretched, only at the time they become so.
politics are part of the humanities.” observes American
Would it not […] be far better, to devise means to prevent
philosopher Martha Nussbaum (1989). The ‘Father of
their becoming poor?” Thomas Paine, Agrarian Justice
Modern Capitalism’ Adam Smith (1723 – 1790) was a
(1797).
professor of ‘Moral Philosophy’ at the University of Glasgow. Smith’s other noteworthy book, his first, ‘The Theory of Moral
“The rich get richer. Because of preferential attachment,
Sentiments’ was published in 1759, 17 years prior to ‘The
most social networks are profoundly inegalitarian.” Niall
Wealth of Nations’. In 2009, Ross J. Witte writes in The
Ferguson, The Square and the Tower (2017).
Gettysburg Economic Review: “Adam Smith saw man for what he truly is, dominated by selfinterest but not without
“But democratic ideology is mainly the camouflage of an
concern for others, able to reason but not necessarily able to
oligarchy or of various pressure groups within the society.”
reach the best or right conclusion while all the time seeing
Northrop Frye, Words with Power (1990).
one’s own actions through a veil of self-delusion.” “[…] one unique and absolute arrangement of government “The Presidency is not merely an administrative office. That’s
would not be proper for every State, but that there can be as
the least of it. […] It is preeminently a place of moral leader-
many governments different in nature as there are States of
ship.” Franklin D. Roosevelt, U.S. President (1933 – 1945).
degrees of greatness.” Jean-Jacques Rousseau, The Social
By broadening the current ‘Separation of Church and State’ to
Contract (1762). Supported by mathematician and philoso-
‘Separation of State, Religion and Business’, all people may
pher Alfred North Whitehead in his 1925 ‘Science and the
be provided with more opportunity to reach their potentials, if
Modern World’; “The differences between nations and races
that is the goal of being a human. Gender issues may
of mankind are required to preserve the conditions under
become more level, as the current ‘Separation of Church and
which development is possible.” just as is found throughout
State’ is significantly managed by ‘Men’. Just as Luther put
nature.
forth 95 theses (Protestant Reformation), and The Federalist Papers (United States Constitution) consisted of 85 articles
We do not yet have the luxury to evaluate the events of the
and essays, the modern ‘State’ (without appreciable direct
Covid-19 Period; however, I believe we should recognize it
business interference) may require 75 guidelines (Biosphere
was the State and not the Religious/Spiritual and Business
Management) laying out a way forward impeding extrapolat-
Sectors that has worked and is still working very hard, to save
ing business dominance, which appears to have no accept-
both, the people first, and then the economies. There have
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MBE BUSINESS MAGAZINE MAY 2021
W W W. M B E F O RYOU. C O M
been contributions from Religious/Spiritual and Business
and Anthony Williams, Macrowikinomics (2010)
organizations; however, the overwhelming majority of assistance has been clearly provided by the State. The ever
“Perhaps the real genius of the [American] Constitution lay in
clever Mark Twain (1835 – 1910) in his ‘Thoughts of God’
the breadth and generality, some might say the vagueness, of
writes; “If men neglected “God’s poor” and “God’s stricken and
its provisions. […] Whenever you hear the word “correct”,
helpless ones” as he does, what would become of them.”
democracy is in trouble! […] A future democracy may appear
One early lesson is provided by the April 13, 2020 Forbes
as distinct from our own as ours is distinctive from that of the
Headline (Contributor Avivah Wittenberg-Cox) ‘What Do
ancient Greeks.” Patrick Watson and Benjamin Barber, The
Countries With The Best Coronavirus Responses Have In
Struggle For Democracy (1988).
Common? Women Leaders’. Germany is one of these noted countries, and their Chancellor Angela Merkel, who has a
Bricker and Ibbitson predict in their 2019 ‘Empty Planet’, “The
PhD in Quantum Chemistry, provided the Germans with a
great defining event of the twenty-first century – one of the
huge advantage over many other country leaders confronting
great defining events in human history – will occur in three
a pandemic.
decades, give or take, when the global population starts to decline. Once that begins, it will never end. […] The real
ADDITIONAL
surprise is that most developed and many developing
“I am amazed by our inability to engage with things that are
societies have passed into a new stage.” As the population
scary and bigger than us. It’s the minutiae that keep us going
starts to shrink, governments will need better trained distinctly
[…]” Danielle Paffard (climate-change campaigner), Founder
thinking leaders, working independently of business leaders –
of ‘Move Your Money’.
consultation yes, subservience no!
Death appears to be one of those areas many find tremen-
“[…] a point will be reached where the population will have no
dously intimidating. First, we must realize none of us are
choice to shift back into a low flow-through renewable energy
being treated any differently (life is after all a terminal
base or face disease and death in epidemic proportions.”
disease), and Northrop Frye in his 1990 ‘Words with Power’
Jeremy Rifkin, Entropy: A New World View (1980).
may help, “As death happens to everyone, it often seems the only principle we know that is utterly fair and without respect
“To our success, however, we shall appear as utterly Renais-
of person.” Jeffery Kluger clarifies further, “There’s a certain
sance in character, and quite unconscious of the major new
dignity and inevitability to dying, after all. Shakespeare did it,
factors which we have set in motion during the past one
Einstein did it, Galileo and Washington and Twain did it.”, The
hundred and fifty years.” Marshall McLuhan, The Gutenberg
Animal Mind, Time (2017). Desiderius Erasmus (1466 –
Galaxy (1962).
1536), considered by some, the most influential scholar of all time, in his 1511 ‘In Praise of Folly’ comments: “For what is
“It seems to me, however, that a small planet such as Earth
life but a play in which everyone acts a part until the curtain
cannot continue to support an expanding and flourishing
comes down?”
civilization without a major change in the way we view ourselves. […] the most precious objects on Earth are not
“The past is valid only in relation to whether the present
gems or jewels, but ink marks on paper,” Brian Cox and
recognizes it.” Nadine Gordimer, Beethoven Was One-Six-
Andrew Cohen, Human Universe (2014).
teenth Black (2007). Our ink marks are rapidly being replaced by ones and zeros, “Never doubt that a small group of thoughtful committed
which are being stored in dubious long-lasting environments
citizens can change the world; indeed, it is the only thing that
(server farms), all the while we are attempting to adjust, as
ever has.” Margaret Mead: The Making of an American Icon,
Mark Twain (1835 - 1910) suggests; “[…] or at least until man
by Nancy Lutkehaus (2008).
by the slow process of evolution shall develop into something really fine and high – some billions of years hence, say.”
“The saving of our world from pending doom will come […]
Quite possibly, Twain had a Michelangelo (1475 – 1564) of
through the creative maladjustment of a nonconforming/minor-
political science in mind exemplifying: “Enough, enough,
ity.” Martin Luther King Jr., “Transformed Nonconformist”
enough! Say no more! Lump the whole thing! Say the
sermon (1954).
Creator made Italy from designs by Michael Angelo!” The
“After all, ideas and technology don’t change the world:
Innocents Abroad (1869)
passion, community support, and execution do.” Don Tapscott
W W W. M B E F O RYOU. C O M
MBE BUSINESS MAGAZINE MAY 2021
25
CROSSWORD PUZZLE
HEART & FLOWERS ACROSS 1 Word before Bunch or Bill 6 The Four Seasons’ “Walk Like _______” 10 Computer picture 14 Start of a counting rhyme 15 Former U.S. Attorney General Janet 16 Pearl Harbor locale 17 Apprehensive feeling 18 On the way (2 wds.) 20 Expressed disagreement about (2 wds.) 22 Cause of inflation? 23 Your, yo Yves 24 Directory contents 27 Emergency room staple 30 How “the Donald” lives, perhaps? 31 Riviera resort town featured in “The Talented Mr. Ripley” 35 “Treasure Island” inits. 36 Timely Buddy Holly/Beatles song...and a hint to 4 activities ‘hidden’ in the puzzle (3 wds.) 39 Microbrewery output 41 “That’s just not true!” (3 wds.) 42 Magic ______ 45 “Earth in the Balance” author 49 Put forth, as effort 50 “Hoot, _______!” (Scottish “Yo, dude!”) 52 _____ Pensacola or Whidbey Isl. (mil. centers) abbr. 53 Kind of zone 60 “________ far, far better thing”: Dikens (3 wds.) 61 Rights grp. 62 Information unit 63 ________ Island hot dog 64 Ump’s call 65 “High Hopes” lyricist Sammy 66 Lock of hair Down 1 Get ______ one’s own game (2 wds.) 2 Impressionist painter Pierre-Auguste 3 Sweater material 4 Frisbee, for one
5 Himalayan legend 6 Get out of bed 7 They sometimes drop down on your computer screen 8 Chip in chips 9 Neighbor of Swed. 10 Ssan who wrote the award-winning 1999 novel “In America” 11 Washington State home of Aplets and Cotlets 12 Yellowfin tuna 13 Cashew, e.g. 19 Hokkaido people 21 “Stop! I can’t _____” (2 wds.) 25 Letter’s start? 26 The “S” of CBS: Abbr. 28 Military entertainment grp. 29 Deface
30 Nation famous for tulips 32 Q-U link 33 Dawn goddess 34 Juilliard deg. 36 Sam Uley of “Twilight” and “New Moon”, e.g. 37 What loosened up the Tin Man 38 ______ out (do nothing) 39 Point of no return? 40 Calif. airport inits. 43 Czech capital 44 Feminine suffix 46 Using Wi-Fi 47 One of 11 Egyptian Pharoahs 48 College application parts 50 One may be found on a river or a jar 51Showbiz twin Mary-Kate or
Ashley 54 “Mad Money” cable channel 55 Georgetown athlete 56 Book store sect. 57 “Use ______ lose it” (2 wds.) 58 ______ in elephant (2 wds.) 59 Elvis’s record label
See previous issue answers on page # 21
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MBE BUSINESS MAGAZINE MAY 2021
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MAY
EVENT 2021 CALENDAR MAY 8
SATURDAY
Laylatul Qadr (Night of Power)
MAY 9
SUNDAY
Mother's Day
MAY 13
THURSDAY
Eid ul Fitr
Many Muslims in Canada celebrate Laylat al Qadr or Shab-e-Qadr, which most likely falls on one of the last 10 days of the Islamic month of Ramadan. Also known as the Night of Power or the Night of Destiny, it commemorates the night when God (Allah) revealed the Qur’an, which is the Islamic holy book, to the prophet Muhammad.
Many Canadians celebrate Mother’s Day by showing their appreciation for mothers or mother figures. The Mother’s Day date in Canada is on the second Sunday of May each year. Mother's Day is not a public holiday. It falls on Sunday, 9 May 2021 and most businesses follow regular Sunday opening hours in Canada.
Many Muslims in Canada celebrate Eid al-Fitr (also known as Id al-Fitr or Eid ul-Fitr) on the first day of Shawwal in the Islamic calendar. It marks the end of the month-long fast of Ramadan and the start of a feast that lasts up to three days in some countries.
MAY 23
SUNDAY
Pentecost Pentecost is a Christian observance commemorating the descent of the Holy Spirit on Jesus Christ’s disciples, according to the Bible. Many Christians in Canada celebrate Pentecost, which is also known as Pentecost Sunday, Whitsunday, or Whit Sunday.
MAY 24
MONDAY
Whit Monday
MAY 24
MONDAY
Victoria Day
Many Christians in Canada observe Whit Monday, also known as Pentecost Monday, on the day after Pentecost, which is also known as Whitsunday or Whit Sunday. This period commemorates the Holy Spirit's descent on Jesus Christ's disciples, as told in the Christian Bible.
Victoria Day, also known as May Two-Four, May Long, and May Long Weekend, is a Canadian holiday on the Monday preceding May 25. Victoria Day is a public holiday in 7 provinces and 3 territories, where it is a day off for the general population, and schools and most businesses are closed.
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MBE BUSINESS MAGAZINE MAY 2021
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MAY 24
MONDAY
National Patriots' Day National Patriots’ Day (Journée nationale des patriotes) is a statutory holiday in Québec to honor the rebellion against the British in 1837. It falls on the Monday before May 25, coinciding with Victoria Day, each year.
MAY 30
Trinity Sunday
SUNDAY
Many Christians in Canada celebrate Trinity Sunday, which is the first Sunday after Pentecost. It is one of the few feasts that are celebrated as a doctrine instead of an event. It is also symbolic of the unity of the Trinity.
CROSSWORD PUZZLE SOLUTION MONTH APRIL
1
M 14 A 17 G 20 I 24 C
2
A A R G H
3
33
A 40 F 44 E 47 W
34
35
58
59
E 63 A 68 S 71 E 28
R I V E L E O X
T R A L A
4
T E N O R 28 S
K 41 N I E N E K 52 B 60 A L S O T T I S
MBE BUSINESS MAGAZINE MAY 2021
5
6
7
8
M A J S 15 A S A P 18 D D U K E 21 O O A 25 26 L I E B R E E N 36 37 38 O N E A 42 S H I N G 45 T O O O 48 49 L Y N 53 54 O U N T Y 61 L I U 64 65 66 P F R I 69 O T O O 72 T Y W C
9
22
R O 29 M 43
10
I S 16 C A 19 E V 23 A 27 W N I N 39 S A C H
S H 50 A H H U 62 E 67 E D T A
51
S N A R 70 E 73 S
11
12
13
30
U X O 46 R
31
32
55
56
57
U Z U T E R I A N L L S
T R I N I
T E O N O L L S
E L C I D
R E E D S
W W W. M B E F O RYOU. C O M
horoscopes
may 2021 Taurus Get ready for 2021, Taurus. 2020 was
squares off with restrictive Saturn
messenger Mercury also enters
historically awful, and now we must
three times in 2021, first on Wednes-
Taurus on Monday, April 19. Taurus
collectively start to pick up the pieces
day, February 17, then on Monday,
season officially kicks off on that
and move on with life. This will mean
June 14, and finally on Friday,
same day. You're feeling confident
different things for everyone, but for
December 24. This happens only
and good about yourself, a feeling
you, dear Taurus, 2021 will largely be
every 22 and a half years, and marks
that you're relishing in after the last
about your career. Even as financial
periods of time where conservative
year. Enjoy it.
fallout continues from COVID-19, the
thinking clashes with more revolution-
next 12 months will include some
ary ideas. While it doesn't necessarily
Lucky planet Jupiter is also in your
life-changing opportunities and
promise progress, it does make it
10th House for most of the year,
decisions regarding your professional
more likely, as tough conversations
helping you continue your focus on
life, so get ready to make money
about everything from the economy
your career. However, you get a small
moves.
to the pandemic will remain at the
reality check when the planet enters
forefront. On a personal level, Taurus,
intuitive Pisces on Thursday, May 13.
You step into your power early in the
because Saturn is in your 10th House
Dreams aren't enough. You must put
year when warrior planet Mars enters
(which rules the career), you might
hard work and action into your
your sign on Wednesday, January 6.
be thinking about what's more
professional ambitions or else they
Mars, which rules fucking and
important to you when it comes to job
will float away. Remember to be
fighting, does not go retrograde this
security and creative freedom. When
confident, Taurus, you're a rockstar!
year, which means that your ability to
you figure it out, you'll take action to
stand up for yourself and assert your
get what you want.
needs will remain relatively steady.
Get your calendar out, because there are four eclipses to prepare for this
You're ready to state your needs and
Lover planet Venus enters your sign
year, including one in your sign. The
claim them. Fight for your worth.
on Wednesday, April 14, turning the
first is a lunar eclipse in Sagittarius
love gods in your favor just in time for
on Wednesday, May 26, followed by a
Eccentric Uranus, which has been in
your birthday. It becomes easier to
solar eclipse on Thursday, June 10 in
your sign since March of 2019,
communicate your desires when
Gemini. Then, there is a lunar eclipse
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MBE BUSINESS MAGAZINE MAY 2021
W W W. M B E F O RYOU. C O M
in Taurus on Friday, November 19 followed by a solar eclipse
enjoy all the blessings of your ruling planet, goddess Venus,
in Sagittarius on Saturday, December 4. Eclipses are cosmic
aka, love and money.
wildcards that can bring about sudden endings and unexpected news, so it's always best to play it safe and lay low. Pay
Your year's goal of getting your career to a place of both
special attention to the solar eclipse on Thursday, June 10 in
satisfaction and prosperity comes to a climax when Venus
Gemini, as this will likely bring information to light regarding
goes retrograde in Capricorn on Sunday, December 19 in
your finances; just more information pertinent to the career-fo-
your 9th House, the House of Philosophy, which rules our
cused path 2021 set out for you.
search for meaning. This transit may feel abrupt and like a final wake-up call. Don't limit yourself, and don't let negative
Mercury goes retrograde in Libra, the sign of relationships,
thinking turn into a spiral. It's true that the economy is in the
from Monday, September 27 to Monday, October 18 (and also
toilet and that there are many things outside of our control.
from Saturday, January 30 to Saturday, February 20 in
But 2021 demands that you realize that you deserve to be
Aquarius and Saturday, May 29 to Tuesday, June 22 in
respected for all the hard work you do — and paid for it, too.
Gemini). Watch your words, be careful not to say the wrong
Stay safe, Taurus, and remember that you are powerful and
name in bed, and prepare for an attack of the exes. No matter
brilliant. You've got this!
how satisfying it feels to have someone come back to you, never forget that it ended for a reason. Don't let anyone get in the way of your progress in 2021. The year is ripe for you to
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MBE BUSINESS MAGAZINE MAY 2021
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Important Knowledge about Life, Disability,
Mortgage, Travel, Critical Insurance
SYED HASSAN Royal Le-Page, Royal Brokers
Why life insurance?
Universal life insurance is a unique design - it provides a
Life insurance is a basic need for it protects the financial
tax-free death benefit plus the option to invest and earn
security of your loved ones and yourself. If anyone is reliant
tax-deferred interest.
on you financially, then you need life insurance.
How much it cost?
A life insurance policy pays a cash benefit, tax free, to your
It depends on your age, gender, medical history, and
beneficiaries when you die. The beneficiary amount depends
beneficial amount. It is always flexible based on your specific
on the type of insurance you have.
needs.
Some employers give you life insurance benefits but it ends
What is Non Medical Life Insurance?
when you leave your job. Therefore, it is better to have one
There are many reasons as to why someone would decline
for life in order to protect your loved ones.
life insurance due to medical & health issues. Non medical
Non-Medical Insurance
life insurance is specially designed for those people who The primary purpose of life insurance is to offset the person-
can't get life insurance. Statistics shows 4% of life insurance
al and financial strain of an unexpected loss. However, life
applications in Canada are declined each year due to
insurance comes in many forms and can accomplish other,
medical or lifestyle issues. There are very few financial
more complex, goals as well.
organizations that can provide non-medical life insurance.
Type of Life Insurance
Mortgage Insurance
Term insurance is temporary and covers you in case of
Protection for Biggest asset in Life?
demise for a specific period of time. Like most life insurance
Your home or business is normally your biggest asset. Thus,
products, it pays a tax-free cash benefit to your beneficiary.
an adequate amount of protection must be enforced in the
Term insurance is most useful when serving a temporary
case of an unfortunate event. Mortgage insurance is very
need such as high debts. It is initially the most affordable
important not only for you & your family but also your assets
insurance but the cost will increase as you age. If you want
and net worth.
long-term coverage, a permanent life insurance solution may be a better choice.
Mortgage insurance pays you the pending mortgage amount in the case of your demise. It pays your regular mortgage
Permanent insurance is just that - permanent. It keeps you
premiums for a stipulated time period in the case of a
protected for as long as you live. Over the long term, it is
disability.
typically cheaper than term insurance. Permanent insurance is a good foundation for your financial plan because it will
Travel Insurance
carry through your entire life. From this foundation you can
Unexpected medical treatment is the most expensive hidden
build your plan by adding health protection and savings
cost you can incur whenever you travel for pleasure or
programs.
business. Travel insurance becomes prudent when protecting
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31
yourself or loved ones during your trip.
Benefits Critical Insurance provides you and your family with cash
Why do i need Travel Insurance?
benefits when you are diagnosed with a critical illness. It
Government health insurance plans often pay an insignificant
allows you to focus on recovery, and not worry about your
amount of money if you are sick or injured outside of
finances.
Canada. You have to pay thousands of dollars for a doctor’s visit or emergency hospital visit in the case you don't have
It pays you some lump sum payment at the end of your
travel insurance.
treatment.
Benefits of Travel Insurance
The benefits are tax free and can be used to :
- Provides emergency hospitalization and medical services
- Pay medical costs for specialized treatment abroad.
cost based on your policy
- Provide you with home nursing care.
- Living expense to insured family members while you are in
- Enable your spouse to take leave without pay to be by your
hospital
side.
- Transportation cost to your family member of family in case
- Pay for childcare expenses.
if you are death or hospitalized.
- Reduce your financial obligation (pay down the mortgage or
- Dental coverage during your trip
personal debts).
- Provide emergency transportation vehicle to admit you to
- Adapt your home to accomodate your medical condition.
nearest hospital.
- Preserve your retirement capital.
- Optional benefits such as baggage, accidental death, flight accident, rental car collision depending on policy.
Disability Insurance If you become disabled, your ability to earn income, pay bills,
How much does it cost?
or save for retirement may be compromised. Our disability
Your Travel Insurance premium is based on:
insurance plans are designed to help you meet your income
- Your age
requirements so you can concentrate on recovering from
- How long you'll be away
your disability and returning to an active life.
- Your home province - The coverage(s) selected
The peace of mind that income protection can provide is available for professionals, business owners, business
If you are frequent traveler, you can get great discount on
executives, and full-time, part-time or home-based workers.
your policy.
Whether you need to secure your main source of income or supplement the coverage you receive from your employer or
Critical Illness Insurance
an association, we can help by providing a comprehensive
Statistics show that an increasing number of young Canadi-
and portable plan that can be relied on throughout your
ans will be diagnosed by critical illnesses. Fortunately,
career.
medical technologies have progressed to help people survive these illnesses and live longer.
To find out about our complete range of disability insurance plans, contact us today for it may be the most important
What if it happened to you?
financial planning decision you will ever make.
Being diagnosed with a critical illness is a devastating event for many people including your family and even business
Author: Syed Hassan, Broker, Royal Lepage Exceptional
partner. Sometimes it requires for you to leave your current
Professional and Educational Background
job or business to get treated. Even though you may be
B.Sc. Electrical Engineer, Real Estate Broker, Financial
experiencing a loss of income, your expenses and loans still
Advisor, IQCS Certified Lead Auditor & Consultant for ISO
have to be paid. The financial burden can be worrisome,
Management and Environmental Standards, Certified Total
especially if you don't have any other source of income
Quality Manager.
during your recovery period. Critical Insurance is the best way to deal with this type of situation.
Professional Experience and Affiliations MBE Group of companies, Royal Le-Page Exceptional, Royal Brokers, American Express Bank of Canada, Budget Rent a Car, Moody’s, SGS, PIQC.
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MBE BUSINESS MAGAZINE MAY 2021
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E-Commerce
Canadian Universities Returning To In-person Classes As Before
DMM DEPARTMENT MB Enterprises
The Universities in Canada have been in lockdown lately
monitor the threats of COVID-19 very strictly and very closely.
while affecting the normal routine procedures in almost all the
They have also taken an oath to act according to the safety
provinces. A scenario that has highly affected the whole world
regulations, as well as keep students and staff safe.
similarly, due to the adverse effects of COVID-19. Ironically, it has also been a cause of some distancing effects on the
The Universities are listed down and categorized in their
immigration processes and reduced significantly the number
respectable selected provinces accordingly.
of people coming to study in Canada. A country that annually purposes in their diversified environment.
PROVINCIAL DISTRIBUTION WITH SELECTED UNIVERSITIES-
Hence, According to the Canadian immigration Minister
BRITISH COLUMBIA:
Marco Mendicino, many universities in different provinces of
British Columbia, a key Canadian province famous amongst
Canada are returning to in-person classes from this fall. It
international students coming to Canada from different
seems like a dream for the students after a huge gap, as the
countries. An announcement was made by the health minister
recent pandemic has been the root cause of the lock-down in
who advised for a full return to on-campus activities. By a full
2020. Some disturbances also happened for a very limited &
return means switching back to normal routine procedures as
short space in the current year 2021 during the second-wave,
used to happen Pre-Covid-19. However, to keep students and
as Canada steps in the month of April. The decision was
staff healthy and safe shall be the utmost priority of the
taken by the Canadian Govt. in alliance with the immigration
University management in collaboration with health ministry.
authorities of Canada, who need to kick-start their regular
The University of British Columbia, a very important Universi-
proceedings, as it used to be Pre-Pandemic. The Universities
ty in the Province British Columbia are planning to return to
that have readily announced fall-returns have further said to
in-person classes. On top of this, as well as an increased
welcomes a huge number of people to study and for work
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35
in-person research in fall. The University has further made
for the students in the fall. Students are allowed to do
plans that they are working to accommodate quarantine
research on campus, following certain safety guidelines and
arrangements especially for the international students. This is
procedures.
only if it is a requirement, as well as on-site immunization if it’s necessary. Along with UBC, the University of Victoria, in
The other major university in the provinces is the University of
the city Victoria, is also planning for a full return to in-person
Ottawa, in the capital city Ottawa. The University expects to
classes in September this year.
provide a full on-campus experience with more courses being offered in person or alternatively in hybrid formats. The other
The other universities that have planned to start in-person
Universities in the province Ontario includes Brock University,
classes this fall includes Vancouver Island University, Thomp-
Western University and finally University of Windsor.
son Rivers University, Simon Fraser University, The University of British Columbia, Capilano University, and finally Trinity
QUEBEC:
Western University. All the three universities planning to
Quebec is a French speaking province in Canada with a
revert back to In-Person classes this fall.
major university called McGill University. The University is expecting to return to in-person classes in the month of
ALBERTA:
September. Some courses will still incorporate online
Alberta is yet another major province in Canada that is
teaching, however, the University says students and staff
popular amongst international students arriving to Canada on
should prepare to return to regular formats of teachings, i.e.
an annual basis. The University of Alberta is a major Universi-
in-person classes and regular on-campus activity. The other
ty from Alberta province who aims to welcome students and
University in Quebec province is Concordia University who is
staff back to in-person classes. However, according to a
planning for an announcement about the fall term in May.
University of Calgary spokesperson, the decision to welcome
However, this is the only University in Quebec that is looking
in-person classes by the university will be taken in April 2021
for a mix of in-person and online classes.
and all students and staff will be than notified as accordingly.
ONTARIO: Ontario is a major province of Canada with the biggest city and an International hub Toronto, as well as Ottawa, the Federal Capital. According to the University of Toronto, they are allowing in-person classes as before as well as support
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PROS & CONS OF OUTSOURCING IN THE MODERN
BUSINESS WORLD
DMM DEPARTMENT MB Enterprises
‘Outsourcing’ is the transfer of operations & business
There are many advantages and disadvantages related to
activities to any other company or to a different business
outsourcing in the business world. However, most of the time
environment or group. The company takes the option of
outsourcing is advantageous as it solves many complex
outsourcing of their activities so that they can manage their
issues in relatively quick time and can prove to be a
in-house activities more properly. An example of outsourcing
worthwhile long term solution.
of services that takes place very regularly is the Call Centre Outsourcing. Many businesses abroad go for the option of
ADVANTAGES OF OUTSOURCING SERVICES:
outsourcing to manage their business functions more
There are many advantages associated with the outsourcing
properly and in a standardized way.
of services and these advantages help in deciding what’s best for your business. Some of the advantages are
This is particularly because outsourcing creates an environment of specialized professionalism that is necessary for the
discussed below;
businesses to grow. If you or your business is a new setup
1. YOU DON’T HAVE TO HIRE MORE EMPLOYEES:
lacking some operational efficiency in terms of certain
Hiring more employees is not necessary at all when it is not
aspects. Therefore, the best option is to go for the outsourcing
needed. It’s just like spoiling your own budget and increasing
of services to another business entity or specialized group
your expenses without any reason. While outsourcing your
and give them their share of operations. Some other
services you are acting as a contractor and you can pay or
examples of outsourcing includes payroll outsourcing that
help as one. This is the thing that can save money for you and
helps in calculations of monthly payrolls for a company with
allows you to avoid bringing more employees into the
tax deductions and annual tax calculations. It’s the primary
company.
concern of the company to satisfy their clients and make accurate calculations of salary payable. Most of the compa-
In simple words it is something that will be highly advanta-
nies that go for the option of outsourcing their salary calcula-
geous in terms of the savings point of view and for having a
tions for employees manage a large number of work force.
sustainable advantage. Primarily, because first you need to
Therefore, the key reason is to solve data handling issues
monitor and hold your operations rather than increase your
and transfer the operations to a more specialized firm.
work force.
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2. ACCESSING A LARGER POOL OF TALENT:
acting as a contractor, and the service provider is your intermediary client. Therefore, you need to be more precise
It is the biggest advantage that a company enjoys, i.e. they
and clear what needs to be the deliverables regards to what
can have an access to a larger pool of talent. Their services
the company is looking for. There is a possibility that there
will be better dealt with in terms of the accessibility aspects
can be some communication issues regards to this scenario.
and specialization of services. The biggest examples are
The other problems that arise in outsourcing of services is the
again Call Centre & Outsourcing the payroll services. While
difference in time zone due to variable geographical locations.
hiring an employee or maybe two may only have access to a small, local talent pool. On top of this, it will be a huge
2. LACKING CONTROL:
drawback in terms of managing the budget of company
As a company you are looking for directions from another
properly.
company while you are outsourcing. This means that you are
3. LOWERING THE LABOUR COST:
transferring some part of your control to that particular company. Hence, the only disadvantage or a con that can
One of the biggest advantages that companies enjoy regards
arise is lacking control. Since the company is not the same
to the outsourcing of services is lowering the labor cost to a
one, it can be highly difficult to maintain the level of control
very substantial figure. This is particularly if as a company
that is desired. Another example is the Call Centre & Custom-
you are outsourcing your services to another country with
er Support.
cheaper rates in terms of the work force. An example is outsourcing of Call Centre operations from a Dallas based
3. HAVING QUALITY ASSURANCE ISSUES:
company to Bengaluru, India. The significant amount of
A major problem that can arise is having issues of quality
savings is a huge advantage for the company outsourcing its
assurance while managing the operations big time. This
services.
means it can be a huge challenge for the company with the outsourced services to manage and monitor the activities and
Despite the huge number of advantages or Pros that are
operations of the original company. To overcome these
associated with outsourcing of services and operations. There
challenges training is a pre-requisite, which definitely requires
are some disadvantages or Cons as well that are of prime
a decent amount of budget and maintenance of activities.
concern.
DISADVANTAGES OF OUTSOURCING SERVICES: 1. COMMUNICATION ISSUES:
The issues of quality assurance can at the end of the day create a bad name for the original company. Hence to have a proper impact of outsourcing activities, the better deal is managing quality assurance the same way.
The biggest disadvantages or cons includes having communication issues with the third party. Obviously, while you are
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Social Media & Its Effects On The Consumer’s Mental Health
DMM DEPARTMENT MB Enterprises
In the recent years the use of social media has been
improves the mental health and self-esteem in considerable
increased significantly, and this has been especially in North
ways. People often share their political views, their experienc-
America. According to the Pew research center a huge 73.5%
es and their thoughts on social media which makes them feel
of Americans in the United States of America use social
relatively more confident. Everyone holds views that are
media. Most people use social media to stay connected with
critical for them, and their judgement and views can be a
family & friends. Holds vital significance factors especially for
source of a big debate or a knowledgeable argument.
those who live far from their family and friends. Hence, they isolated due to the positive effects of social media on
THE FEEL GOOD EFFECT – ‘THE SOCIAL MEDIA INGREDIENTS’:
consumer’s mental health.
The use of social media is getting popular every day, and a
can still feel connected, instead of feeling alone, disturbed &
huge reason to this is that social media makes you feel good. Ironically, improves mental health of many people who share
It wasn’t popular enough when Facebook wasn’t there,
their most adorable experiences that includes family holidays,
however, the popularity of Facebook increased since 2007,
birthdays, and frequent travels, moving around the world,
while it was first formed some 17 years ago in 2004. The best
wedding ceremony, and other moments of joys. Social media
thing was it created a ‘Feel Good Effect’, amongst people
e.g. Facebook & Twitter are especially those platforms that
who wanted a platform similar to the Facebook. Your friend’s
brings you closer to your moments from the past, and
circle, irrespective of how far you are from your friends &
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39
family makes you feel connected and feel good. The special-
or poor in terms of the mental health. This is as compared to
ized & personalized settings on social media has changed
those who are occasional social media users, example 15
things in life for people. Everyone these days are a brand
minutes a day, or 1 hour a week.
ambassador of their profile and hold an attitude of possessiveness and feeling good for themselves. As a career-oriented
Your usage of social media should be balanced as social
person it increases your competitive advantage with others,
media habits directly affect your mental health in negative
i.e. your face book friends and triggers in your mind your
ways as well. However you can use it to avoid the negative
motivations to higher extents.
impacts on your life and your mental health. An example includes to avoid being alone or when you are really missing
In simple words, it increases your motivation levels and
your friends or family. Secondly, you want to see a family
transforms your thoughts more into motivational therapy.
occasion online, such as a live graduation ceremony, or a
Generates your happy hormones and encourages you to look
wedding ceremony.
outstanding just for the sake of social media.
SOCIAL MEDIA’S CONTRIBUTIONS TO DEPRESSION:
HOW SOCIAL MEDIA CAN BE A DISTRACTION TO YOU? How social media distracts you in this age where you have
The contributions of social media to depression in a world full
too many sources of entertainment, is a pointless question. If
of depression & tensions has been significantly huge. This is
you are a student, giving too much time to social media, can
all linked up with the political conditions of the world as well
actually prove to be too costly. It can be problematic in too
as the regular media wars that has been quiet a regularity on
many ways if it is giving you mental health issues during your
social media e.g. Facebook. In fact the excessive use of
assessments. If regular scrolling through the social media
social media can also contribute to higher levels of depres-
leaves you feeling envious, anxious, depressed or even angry.
sion, anxiety and sleep disorders.
Hence, in that case you need to make a re-evaluation of your usage which needs to be a bit more balanced or precise.
According to a study, young people from social media who use more than two hours per day can be categorized into fair
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BEST WAYS TO MEASURE SUSTAINABILITY OF GLOBAL CITIES DMM DEPARTMENT MB Enterprises
The sustainability of cities all over the
Siemens. A German based Multina-
performance measurements. It is also
world is measured on the basis of the
tional firm Siemens has developed
a concern due to the growth in
efforts they hold regarding sustainabil-
this index or a unique tool for future
pollution in some of the most
ity goals & also holds dependencies
sustainability goals. The aim is to
populated cities of the world, and
on the current environmental perfor-
help cities benchmark their perfor-
introducing measures to encounter
mances. Hence, sustainable develop-
mances as well as share best
health concerns due to excessive
ments & sustainability also means
practices with each other.
pollution. Similar to the report known
keeping an eye on Carbon emissions,
as the Cities in Motion, the innumera-
encountering climate change, and
This series started in the year 2009,
ble amount of lessons contained in
other environmental practices leading
and significantly covers at least 120
the series holds huge intentions.
to the global slogan ‘Green Practices’
Global cities in all continents that
These include intentions to help cities
or ‘Go Green’.
includes, Europe, Latin America,
learn from each other, with debates
North America, Africa, as well as
on various environmental policies &
THE GREEN CITY INDEX:
some cities in Australia and New
practices. Furthermore, coming up
The Green City Index series is
Zealand. Hence, the last version of
with different strategies for minimizing
conducted by the Economist
the series was published in the year
the environmental footprints.
Intelligence Unit, also known as EIU,
2012, and is after lots of research on
and is sponsored by the company
many global cities environmental
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INDICATORS OF GREEN CITY INDEX- ‘STEPS TOWARDS CHANGE’:
ence, the Government has emphasized the importance of
There are some key indicators that are adopted by the Green
includes through holistic planning, high-density development
City Index Series also depending on the region. These
and finally green-space conservation.
includes, CO2 emissions, energy efficiency, BMS or Building
sustainability in many diverse ways. These diverse ways
Management Systems, land usage, transport, water and
SAN FRANCISCO:
sanitation. Also, includes the most important ones, i.e. waste
The US city San Francisco tops the list of cities from USA
management, air quality, and finally Environmental Govern-
and Canada driven by strong policies across all the catego-
ance. Hence, the specific indicators differ slightly from one
ries. This is particularly in the category of Waste Manage-
index to another, while taking into consideration the availabili-
ment which has been identified as a particular strength.
ty of data. Furthermore, as part of a key consideration it also includes some unique challenges in each region.
The dynamic US city has been a trailblazer especially in partnering with the private sector on some innovative green
Some of the Top cities according to the Green City Index are
initiatives. These initiatives also includes energy-efficiency
listed as follows;
awareness programs particularly for the funding of green improvements.
COPENHAGEN: Amongst the European countries, Copenhagen, the Capital
DURBAN, CAPE TOWN & JOHANNESBURG:
city of Denmark is on top of the list for Green City Index.
The leading cities of South Africa that have topped in the
However, the two Scandinavian cities that are close to
African index are Durban, Johannesburg and Cape Town.
Copenhagen are Stockholm and Oslo, which are not far
These are mainly because of their commitments to
behind.
strategies, codes and plans for the monitoring of the urban
The Danish capital also has an extensive public transport
environment. As an example of the sustainable develop-
system that includes a Metro system, sub-urban railway and
ments in the three South African cities, Cape Town has been
bus networks. On top of this, the Danish Capital Copenhagen
most prominent with best results. This is especially due to
also aims to be the “world’s best cycle city”.
strong policy developments for the containment of urban sprawl as well as for the protection of the green space. The
SINGAPORE:
rest of the two, i.e. Johannesburg and Durban also generally
One of the Asia’s best city, Singapore is the top performer in
perform well for environmental policies.
the Asian Green City Index. This is not surprisingly as they have shown good results across all individual categories. Hence, this is since 1965 when the city gained independ-
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Youngest Canadian Entrepreneurs
The Achievement Listings
DMM DEPARTMENT MB Enterprises
Being an entrepreneur in Canada takes lots & lots of motiva-
prestige in every possible way. Business magnates in Canada
tional aspects & true values of success. It’s not easy to follow
are solely the ambassadors of Canadian culture & its trade,
your entrepreneurial dreams & goals as Canada is home to
as well as holds huge values for bringing more prosperity into
many entrepreneurs from various backgrounds and communi-
Canada. A country that is already in the list of the happiest
ties. What’s more imperative is not just doing business for
countries since a while now. Ironically, just like Rome was not
profitability reasons but following the rules of the game at the
built in a day, the North American country Canada has taken
same time. Naturally, doing business in Canada is amid strict
ages to get into its current state of prosperity & success.
rules & regulations including the taxation policies, Govt. regulations and managing time strictly due to competitive
Much to the credit of list of so many entrepreneurs that are
smartness. If you are an entrepreneur & someone who has
working day & night for the progress of Canada along with
arrived from abroad for settlement & business, naturally you
their own prosperity. Hence, here is the list of the youngest
would need more focus and hard work. Apart from the hard
entrepreneurs from Canada.
work & a proactive attitude, you should be solely focused on achieving your goals with larger motivation levels. This is
JON LIPINSKI:
primarily a bit required from you, than someone who belongs
Jon Lipinski is the Co-Founder and President at Ecopia.AI.
from Canada. A country that is known as the land of opportu-
The company is relatively new but it is a quickly growing
nities with business opportunities that are growing everyday
company and adopts AI to create commercial high-grade
instead of getting to a halt, or even getting a bit slower in
definition maps. These maps are used to support govern-
pace.
ments, NGOs, as well as the telecom sector and insurance firms in Canada. The motive is solely to make more reliable
ENTREPRENEURIAL CONTRIBUTIONS & ‘THE RED FLAG’:
data-driven decisions.
The exclusive list of young entrepreneurs shows their levels of commitments while having a place in the Youth business
The company Ecopia has already mapped each of the 169
listings of Canada. It’s just not business, its complete Corpo-
million buildings over the United States and they are currently
rate business management & being supportive to the success
working on a new project. This project is building the first
ideologies of those who have proved in the past. Their
high-definition map for self-driving cars of the Kitchener-Wa-
commitments are not only linked to just gains, however, they
terloo area.
hold respect for the red flag of Canada, and acknowledge her
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EVA WONG:
SHAHRZAD RAFATI:
Eva Wong is yet another entrepreneur in the Young entrepre-
Shahrzad Rafati, the founder and CEO of Broadband TV is
neur list and she is the Co-Founder and COO, i.e. Chief
one of the youngest Canadian entrepreneur. She has
Operating Officer at Borrowell. The company Borrowell is a
succeeded in a short period to make her digital entertainment
Fintech company that encourages people in making accurate
company as the third largest video property all over the world.
decisions regards to credit. A leading credit knowledge and
The Vancouver based firm is ranked third in the world directly
financial services marketplace of Canada. The company has
after MNC & giants Google and Facebook. The company
more than 900,000 members and approximately the big
Broadband TV was formed by Miss Rafati right out of school.
financial institutions of all the countries on the platform. The
This is in the era when online video was a lesser familiarity as
company is the first one to have recently introduced “Credit
still was a new idea.
Coach” for further benefiting users to improve their economic well-being.
JENNY BIRD: Jenny Bird is a jewelry company founded some 13 years from
JASON FLICK:
today, i.e. in 2008. The young founder of the company, Jenny
Jason Flick, the Co-Founder and CEO of an Ottawa-based
Bird was born and raised in Ontario, Canada as she was
startup called You.i TV. The role of the company is to encour-
highly ambitious for her own company. In the year 2011, her
age media titans to please the fans by connecting, seamless-
husband joined in as the President of Jenny Bird, and
ly and beautifully- T.V’s, phones, tablets, game consoles and
mutually since 2011, they have transformed the company into
the streaming services by applying a single code base.
an international & a recognized brand.
Jason is already in the listings of Young Canadian Entrepreneurs and is very passionate for the growth of his company. He is blessed with distinguished partners like the Warner Media and National Geographic. Mr. Flick is expected to take a rise after making more partners, i.e. Sky T.V. (U.K), and ViaComCBS, the company who owns Network 10 in Australia.
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45
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MBE BUSINESS MAGAZINE MAY 2021
W W W. M B E F O RYOU. C O M
Choice Hotels
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Avis Preferred Services
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Travel & Tours
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Weston Bakeries
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Legal Services
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W W W. M B E F O RYOU. C O M
MBE BUSINESS MAGAZINE MAY 2021
47
Sleep Disorders & Their Link To Your Corporate Life
DIGITAL MEDIA MARKETING MB Enterprises
The different sleep disorders are part
sleeping schedules and late nights will
Sleep deprivation definitely hurts
of the origin of many health problems
give you more stress. The many
levels of concentration and makes you
that are highly linked to the sleep. An
problems at work that are associated
more dependent on hot beverages,
example of different sleep disorders
with having sleep disorders are
such as Coffee or Tea or a cold
includes insomnia, or sleeping issues
discussed below;
beverage such as an energy drink.
at night and hypersomnia, or issues
Alternatively, you will need an artificial brain stimulating drink, which would
during the day. Both of these disorders
1. HAVING CONCENTRATION ISSUES:
can bring health issues related to
Having concentration issues is a
However, temporarily it will help you
sleep and having proper sleep
major part of the problems that arise
gain your loss concentration at work.
schedules and time table.
due to lack of sleep or having sleep
Having at least 7-8 hours of a good
disorders. Sleep issues can cause
night’s sleep definitely helps in your
Thus, having health issues can bring
your brain function to become
concentration levels and also
disturbances to your corporate life, i.e.
excessively slow as compared to the
improves your sub-conscious mind
your life at work. Ironically, it can also
function of your brain while you are
considerably. It improves your memory
affect your 9-5 working schedules and
managing your sleep schedule. Proper
and helps you store events and dates
bringing problems to you while you
sleeping will definitely help you in your
in your mind much easily.
are at work. Sleep disorders are also
concentration at work, whether it’s a
caused heavily due to staying too late
meeting at the client side or delivering
2. TEAM WORK ISSUES:
at work or work-life balance issues. If
a presentation to the management.
Having Team work issues due to sleep
you are a workaholic and constantly
You will be more 100% when you have
disorders is a very common corporate
involved in working late nights at
your sleep, while taking a sleep less
problem. This is primarily, as sleep
office. Definitely, you may have
than 6 hours at least.
deprivation can give you work related
related to over-sleeping especially
problems managing your regular
48
MBE BUSINESS MAGAZINE MAY 2021
definitely be not good for your health.
issues, and coordinating with your W W W. M B E F O RYOU. C O M
team in the best possible ways. It affects your team work and
TIPS FOR A BETTER SLEEP:
your performances due to the amount of anxiety, stress and
There are many tips that are associated with a better sleep.
frustration created due to lack of sleep. For best team work
These tips will definitely be good for you in finding your sleep
it’s preferable to take proper sleep even if you have to change
and a regular sleep schedule. These tips are illustrated below;
your room, or find an appropriate environment that suits you.
3. PLANNING & EXECUTION: Sleep deprivation highly hurts your planning & execution in
1. Try to get to your bed at the same time every day. 2. Avoid having a drink or a meal right before your sleeping time, make sure you have a gap of at least an hour.
multiple ways. This is related to your work planning or planning an event or a business meeting. Obviously, at the
3. The environment of the room in which you are sleeping
same time it hurts the execution part as sleep deprivation
should be quiet, with minimum amount of light. Make sure you
hurts your positive attitude at the work place. It not only
have the least amount of disturbances.
affects the long term planning, but also the short term planning of activities as sometimes either you miss
4. Plan a sleep schedule of at least 7-8 hours every day, as
something or put it the wrong way.
this suits your minimum sleep requirements.
For proper planning & execution its best to stay active at work
5. Avoid heavy exercising or a body building session just
by having a good night’s sleep. You can make it more proper
before you sleep, a slight walk would be fine.
by planning for things before you sleep, and brainstorming your thoughts before getting to bed. Occupy your mind with
6. You should avoid watching a Television program or a Film
good things as your mental level needs being more aggres-
just before you get to bed. More importantly, to avoid any
sive and having higher levels of concentration.
unwanted thoughts in your head.
4. LEADERSHIP PROBLEMS:
7. Make sure your mind stays calm and you avoid all sort of
Regular sleep issues and spending more time at work also
interactions or an argument before you sleep.
leads significantly to higher leadership problems. Leading at work is the key to many things and holds elements of success
8. Reading some literature or light content will help you sleep
for the whole team or department. It holds higher levels of
better. 15 minutes to 20 minutes would be highly suitable.
dependencies as having leadership problems can lead to higher levels of failure. Being a leader of a team or a department, one needs to give proper time to night’s sleep, and sort issues of sleep disorder more systematically. Hence, it will definitely bring you closer and arise in you more sense of responsibility towards ‘sound leadership’.
W W W. M B E F O RYOU. C O M
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49
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Company Information.
THE INCREDIBLE BENEFITS OF POS SYSTEMS FOR SMALL BUSINESSES DIGITAL MEDIA MARKETING MB Enterprises
The huge amount of benefits that are
being served in the retail sector of
systems. This is because POS
associated with POS systems in small
SME’s should be served well, even if
systems appear to have a magnetic
businesses cannot in any way be
they are cashless customers. In the
capability of customer retention. It
ignored. Reasons are too many,
region of North America, according to
increases the customer satisfaction
however, the most prominent reason
results from a retail survey, most
aspects associated with customers
is because of profitability reasons.
people prefer to be cashless while
with different likings and paying for
SME’s also known as Small & Medium
entering a store, a warehouse, or any
their purchases. This is part of the
sized enterprises are growing very
SME. Primarily, as most of them
consumer buying behavior and there
quickly in Canada. A country that is
doesn’t take the hassle of carrying
must be room for all sort of buying
larger than the size of United States,
unwanted cash with them. POS
behaviors, especially in a growing
is heaven for business for many
systems are their biggest priority while
SME.
people. Hence, most of the business
they enjoy their shopping experiences,
usually start with the status of SME’s
earning discounts, and getting points
The effective use of POS systems in
or small scale enterprise.
of using their cards.
turn facilitates automatically the personalized and target marketed
Ironically, the advantages are definite-
Some of the most common benefits of
campaigns. Hence, a huge number of
ly outstanding in terms of marketing
POS systems for small businesses
advantages are also associated with
strategies as every customer is a
are as follows;
the next generation retail software. A
priority in the initial stages. This is
software that can also increase profits by providing instant access. Also,
customer centric businesses follow
INCREASES THE AMOUNT OF PROFITABILITY:
the tagline ‘The Customer is Always
The ability to increase the levels of
order and market anywhere at any
Right’. Therefore, any customer who is
profitability is highly integrated in POS
time.
primarily while most SME’s and
W W W. M B E F O RYOU. C O M
dynamically allows the owner to sell,
MBE BUSINESS MAGAZINE MAY 2021
51
CREATES A CREATIVE MARKETING ENVIRONMENT:
customers immense amounts of
grow significantly. This scenario is
business intelligence. It has the ability
especially seen in the initial stages of
Automatically holds key ingredients of
to generate instantly meaningful &
setup. These loyalty programs are also
creating a self-marketing environment.
dynamic reports. Hence, automatic
very helpful for customer retention
Furthermore, a creative marketing
reports are a huge plus in creating &
aspects through loyalty points and
environment as well as marketing
increasing business intelligence
vouchers.
strategies are integrated with
between both consumers and
high-tech POS systems. The key &
business owners. Hence, for the
vital customer information that is
business owners of SME’s it really
captured for the sake of ensuring that
helps in making better-informed
marketing efforts are personalized.
business decisions.
Hence, this will as a result significantly increase the profitability levels. Thus, from creative marketing leading to profitability and finally a good ROI, or Return on Investment.
LOYALTY PROGRAMS- CUSTOMER RETENTION: Modern POS systems have the ability
INCREASING BUSINESS INTELLIGENCE:
to create loyalty programs for the
POS systems creates significantly in
programs are really helpful for small
the business owners as well as the
businesses and actually help them
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MBE BUSINESS MAGAZINE MAY 2021
highly valued customers. These
W W W. M B E F O RYOU. C O M
The Best Places To Visit
In Canada For A Summer Vacation Canada, a land of scenic beauty, waterfalls and gorgeous landscapes and is highly rich in national resources & natural
DMM DEPARTMENT MB Enterprises
1. VICTORIA, BRITISH COLUMBIA:
beauty. With 2020 being a year that has suffered most with regards to the challenges of the pandemic and a series of lockdowns. The current year, i.e. 2021 is a year that will be used more effectively by people for travelling & tourism. Therefore, it will be a huge boost for the travel & tourism sector of Canada that has always been a huge revenue generator for Canadian Govt. More frequently as people are coming to the great land from different countries of the world just for the sake of travel & tourism purposes. Almost all the provinces in Canada are worth watching in terms of sightseeing, cultural heritage, the gorgeous beaches as well as the high-rise metropolis that are getting better with time.
The Capital city of the Province British Columbia, Victoria is known for its scenic beauty, i.e. gorgeous scenery, and a
The hustle and bustle of the Top Canadian cities that includes
warm weather. It is one of the warmest places in Canada, and
Toronto, Ottawa, Montreal, Vancouver, Victoria and Calgary, is
especially in the summers it’s a great place to be. One of the
always an attraction for people from all over the world. This
best places in Canada for outdoor experiences that includes
also includes the migrants coming to Canada, who love to
hiking and sightseeing. Other summer activities in Victoria
work and study in Canada because of its gorgeous environ-
also includes kayaking and whale watching.
ment and opportunities to travel all across Canada. These activities makes Victoria one of the best family The gorgeous country is one of the richest in terms of its
destinations, especially in summer. The city also holds some
infrastructure, and therefore, holds paramount importance for
cultural festivals including Victoria Fringe Festival, Feast of
people. Most of Canada is accessible via a highly modern,
Fields, Great Canadian Beer Festival or Vegtoria Festival.
fully connected, synchronized and a sophisticated railway
Also includes, Victoria’s annual Vegan festival being one of
system, as well as safe and secure traveling through air
the most popular ones.
planes. Hence, as the massive land is divided into provinces with area of each province larger in size than the area of most European countries. Ironically, as Canada is the second
2. GOLDEN, BRITISH COLUMBIA: Another gorgeous attractions for people to visit in British
largest country area-wise and the largest country in North
Columbia, is located in the middle of six national parks.
America, followed by United States.
Golden is one of the most beautiful places to visit in Canada for outdoor adventures and wildlife adventures. The summer
Some of the best places to visit in Canada this summer are
activities includes hiking, rock climbing, and mountain biking.
as follows;
Other activities also includes, Heli-rafting, and paragliding.
W W W. M B E F O RYOU. C O M
MBE BUSINESS MAGAZINE MAY 2021
53
are looking for a Summer Vacation in Toronto, they can’t miss the most beautiful place in Canada, i.e. Niagara Falls. The Niagara Falls most popular attractions includes Horn blower Niagara Cruises, White Water Walk, Ripley’s Believe It or Not, Niagara Sky Wheel, and Falls view Casino Resort.
5. MONTREAL, QUEBEC: You can’t miss the real fun in the French Speaking Province, if you go for a summer vacation to Montreal, Quebec & you Golden is North America’s longest protected wetlands and is
are a cuisine lover. The unique culture of Montreal, its Cultural
home to a huge variety of different species that includes birds
heritage, and culinary richness makes it one of the most
and animals. According to stats these figures rise up to
unique places to visit in Canada.
approximately 200-220 species of birds and animals, making it the best place to visit for wildlife adventures.
3. JESPER NATIONAL PARK, ALBERTA Jesper National Park is located in the Province Alberta and is a huge gateway for fun summer mountain activities and
Known for good food and dining options as it is a great place for people coming in summers to enjoy the Sun with their favorite drinks recommendations. A diverse multicultural city that will make you fall in love with the endless activities, events, and festivals.
6. CAVENDISH, PRINCE EDWARD ISLAND: peaceful tranquility. The most recommended destination that you as a traveler needs checking in Jesper National Park are Columbia Icefields, Maligne Lake, and Athabasca Falls. The skywalk recently built is a huge tourism experience that allows a walk across a glass-floored lookout for views of giant glaciers, waterfalls and wildlife.
4. NIAGARA FALLS, ONTARIO: Niagara Falls in the Province Ontario is the most famous holiday destination or tourism spot. It is best for those who
The Cavendish Beach in the Province Prince Edward Island is one of the most gorgeous places in Canada to visit for a summer holidays. One of the best places for Golf lovers as they may like a scenic round on the Green Gables Golf Course. Most people love to head to the Pier as they rent kayaks, stand-up paddle boards, and sea-doors and try para-sailing.
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MBE BUSINESS MAGAZINE MAY 2021
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MOTHER’S DAY CELEBRATIONS IN CANADA & ITS ORIGIN DMM DEPARTMENT MB Enterprises
Mother’s Day is celebrated all across
date of celebration for Mother’s day is
emotions of love, sentiments and
the world with huge passion, compas-
30th May. Same is the case with
thankfulness for their lovely mothers.
sion, & emotions for all mothers from
celebrations in France, i.e. 30th May,
People generally want to show to
various different nationalities,
Spain- 2nd May, in UAE the day is
their mothers that they have played a
backgrounds and origins. In Canada
celebrated on 21st March, while in
very significant role in their lives as a
the day is celebrated on 9th May, as it
Mexico it is followed on 10th May. The
guide and their motherhood is
is celebrated in most countries of the
impact is universal and the day is not
everything for them in their lives.
world on the same day. However, in
a public holiday in almost all the
Having said that, no one can deny
some parts of the world, Mother’s
countries.
the role a mother plays in the
Day is celebrated on different dates
upbringing of their children.
due to unknown reasons. Hence, the
Mother’s day is a dedicated day for
significance and prestige of the day is
mothers of various backgrounds,
the same everywhere, as it is a huge
cultures and nationalities. However,
MOTHER’S DAY- ‘A Brief History & Origin’:
symbol for Mothers from many
the key factor is the emotions people
The origination of Mother’s day dates
different nations.
hold, and show for their lovely
back to 1908, and from a North
mothers. For some people it can be a
American country that is very close
In U.K it is celebrated on 14th march
formality to follow the day, however,
neighbors of Canada, i.e. United
every year, in Norway it is celebrated
for most people it is a day where they
States of America. This is the first
on 14th Feb, while in Sweden the
can share a card and gifts filled with
recorded celebrations of the day,
W W W. M B E F O RYOU. C O M
MBE BUSINESS MAGAZINE MAY 2021
55
which later was celebrated every year. It was founded by a
day. Ironically, the day holds true values of divinity and love
lady known as Anna Marie Jarvis, the person who wanted to
for the ultimate bond created by the Almighty.
honor her deceased mother. It was her campaign for a day that mothers of all countries should have a dedicated special
Canadians usually treat their mothers to a special lunch or
day of their own.
dinner outside, showing them the importance that is most needed. Some may also treat their mothers to movies in
In 1908, Miss Anna held a memorial for her prestigious
Cinemas, enjoying a shopping experience with them, or
mother at the St. Andrews Methodist Church in Grafton, West
enjoy a short trip with them. The ultimate objective is to have
Virginia USA and she wanted to honor her mother and all
some memories that will stay relishing and shining forever &
mothers of different nations by making them sacred for their
ever.
children. It was due to her efforts that the day is celebrated every year as a symbolic day since it started in 1908. It is not
MOTHERS DAY TRADITIONS- ‘Sharing Gifts & Cards’:
a public holiday in Canada, neither in the United States.
As part of the traditions on mother’s day, sharing gifts is
However, earlier it was declared one in USA in 1910, and
obviously the most common act that happens usually on this
later in 1915 was declared by US President Woodrow Wilson
particular day. These gifts can be in form of flowers, boxes of
as a public holiday. It was also declared a public holiday in
chocolates, being the most common gifts given by Canadi-
1915 in Canada simultaneously, however, the holiday was
ans to their mothers. Some as part of more importance share
later finished.
cards and handmade gifts as an appreciation gesture for their lovely mother. Other precious gifts also includes new
HOW THE DAY IS CELEBRATED IN CANADA:
dresses, bags, shoes, and even jewelries for their moms.
The day as it says is a day dedicated to the mother-children relationship. It is indeed a day celebrated in form of spending
In addition to all these activities, Canadian children often
some quality time with your mother, and sending those
dedicate poems on cards as gestures of love for their lovely
greetings and gifts if they are far away. Showing them the
mothers. They also share simple writings filled with
love and importance they need as well as the care factor
innocence showing the amount of gratitude they have for
which is always there in the relationship. Mother-Children
their mothers.
relationship holds true values of trust and emotions for each other as it is a relationship made in the heavens. Since, the
It is truly a relationship made in the heavens as Mother-Chil-
day originated from a Christian following country. Therefore,
dren relationship is a unique bond of trust and compassion.
the relationship of Mother Mary to her miracle son & Prophet of Christianity Jesus Christ is always remembered on the
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MBE BUSINESS MAGAZINE MAY 2021
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Hotel & Hospitality Trends Reshaping The Industry
DMM DEPARTMENT MB Enterprises
The trends in hospitality business & hotel industry has
prime concern in the hospitality business in North America,
changed the industry to a huge extent. This is primarily due to
and Canada is up to the challenge. Canada has proved
the magical involvement of technology and innovation in the
everyday with the help of improved and standardized steps
hospitality business that has been the cause of some major
regards to the energy efficiency measures.
changes. Along with these changes, realizations have been made regards to the lavishness and class factors as well as
These steps includes from communications and guest
being conscious in terms of the international industry
experience to cost savings through energy efficiency. Apart
standards. This is about pure customer satisfaction and
from these, from revenue opportunities to enhance methods
involving all frontiers for maximum improvisation and custom-
of operations.
er support.
MOBILE TECHNOLOGY: As part of the Green practices energy efficiency has played a
Mobile technology integrated with hospitality business has
major role internationally, while improving the aspects that
been found to be the most important hospitality trends. These
really are worthwhile for saving energy measures. These
includes useful and advanced innovations such as remote
includes energy efficient systems installed in the modern
check-ins, room reservations, and mobile room keys one of
hotels for cost savings and saving energy, i.e. sustainability
the most common ones.
aspects. Hence, sustainable measures are considered a
W W W. M B E F O RYOU. C O M
MBE BUSINESS MAGAZINE MAY 2021
57
In some of the highly rated and large hotel chains, the guests
• Helps in the developing of potential partnerships with
can even use their mobiles for elevator floor selection. Hence,
several other businesses. As an example these includes
the guests can also control their room lighting, opening &
Travel Agents, the local taxi firms and nearby restaurants and
closing the curtains, playing music, or selection of a
bars.
Television program. • The tracking of competitors and see what they are offering,
DYNAMIC CUSTOMER DATA:
and finally their standings with regards to their rivals.
The hotel industry is not an exception as ‘big data’ is the heart with every aspect of guest hotel experiences that are collect-
ENERGY EFFICIENT SYSTEMS- ‘Intelligent Buildings in Hospitality Business’:
ed, analyzed and parsed for future usage. The customer’s
The usage of energy efficient systems in modern hotels has
data varies from customer loyalty programs, the price
changed the course of things and has emerged as a high
comparisons, location, and booking data, all used to develop
profile trend-setter. This especially relates to the saving
valuable insights.
energy and costs, as well as being part of the sustainable
of technology. Maintenance of database is highly essential
developments in the hospitality industry. According to a The dynamic data is maintained on HMS, i.e. Hotel Manage-
survey by Market Research Firm Nielsen, a huge 82% of
ment system, and is a useful CRM system that helps in the
millennials said that they were willing to pay extra for sustaina-
daily maintenance of records of key outstanding customers.
bility. Hence, with the dynamic increase in sustainable develop-
These information can be used by the hospitality managers in
ments, there has been an increase in energy efficient
several ways. These diverse ways includes;
systems, e.g. use of motion sensors, and temperature control
• Target marketing with more effective measures for regular
systems. Other energy efficient options includes LED
customers. This is through identification of the key demo-
Lighting, OLED T.V’s, Key Card controlled lights and energy
graphics and best opportunities to reach them.
efficient laundry machines that saves money considerably. Saving energy is good business sense, especially from
• The identification of trends in customer satisfaction, i.e.
marketing perspective and definitely due to the sustainable
through the gathering of feedbacks from social media, review
reasons.
sites, and the guest queries about any services.
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MBE BUSINESS MAGAZINE MAY 2021
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The Importance Of Online Marketing Environment & Why It Is So Crucial In The Digital World DMM DEPARTMENT MB Enterprises
The digital world along with so many
these days. Therefore, the standards
current age, it has been a revolution
other advantages excels in the online
associated with online shopping have
in creating a trustworthy shopping
marketing environment. A virtual
also changed the course of things
environment. An environment that is
marketing environment for online
making it more supreme and more
highly linked up with values of
shoppers that creates a huge
professional in terms of the delivera-
customer satisfaction and customer
shopping paradise in your mind. A
bles. Values that have increased
retention.
couple of companies that are famous
significantly also includes quality
for online shopping being Amazon,
assurance levels, sticking to the
Other major advantages includes a
and E-bay holds different attitudes for
shopping environment and creating
highly structured and sensitive review
different customer types. If we take
goodwill in terms of the business
system that helps a great deal in the
the example of Amazon, an American
values. This is vitally through consist-
decision making process.
based Multinational Company with
ency in reputation and levels of
headquarters in Washington, USA.
commitments to serve in the online
We shall be amazed to discover the
shopping industry. Despite the
IMPORTANCE LEVELS ATTACHED TO THE DIGITAL WORLD:
rapid amount of growth that Amazon
amount of challenges and disadvan-
The digital world has seen a number
has achieved in the limited amount of
tages that were associated with
of fruitful and innovative contributions
time, as well as the reputation they
online shopping initially. The advan-
and online shopping is one of them.
have created for online shopping.
tages associated have easily
As far as determining the importance
preceded the amount of disadvantag-
levels, it is necessary to realize how
Online shopping is growing and
es by a significant margin. However,
things have transformed and
becoming more & more common
with the passage of time in the
changed so quickly. A huge credit
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MBE BUSINESS MAGAZINE MAY 2021
59
goes to the internet, and the increase in the amount of use in the last decade. The rise in digital marketing and its dynamic strategies owes significantly to online shopping and its increase. Ironically, the level of competition in online shopping companies and websites have also increased. This is mainly due to the huge amount of risks associated. You are actually dealing with a virtual supply chain, where importance is given to time and assuring the quality ingredients.
CUSTOMER SATISFACTION & A COMPREHENSIVE REVIEW SYSTEM: As seen globally the aspects linked up with customer satisfaction in online shopping has increased tremendously. A huge credit goes to a comprehensive and highly trusted review system. A system that helps in determining the process of decision making as well as making highly fruitful business decisions. Customer satisfaction is highly linked up with values of trust, as well as values of appreciation. Ironically, it also means how to be highly flexible with the needs of the customer in the digital world. It’s easy to find customer satisfaction, however, what’s difficult is to maintain customer values with consistency. The popularity factors associated with online shopping owes highly to customer satisfaction through the effective usage of key KPI’s. However, measuring the performance indicators means your quality assurance procedures are vital for the growth of the firm in online shopping.
EVALUATING THE CUSTOMER NEEDS: Apart from the comprehensive review system through the use of KPI’s. What’s more generic and important is making good evaluations of the customer needs. This is through market research as well as through online surveys and forms. This can also be termed as a higher level review system, however, more precisely, it’s the effective and sensitive evaluation of the consumer needs. Online shopping popularity levels varies from one country to another, and analysis like these helps in online marketing. Hence, finally helps a lot in making a digital marketing environment for the end user.
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Helping you is what we do.
Home is where the lake meets the sky UNIQUE FEATURES & FINISHES Bicycle Racks In Garage Quiet Close Cupboards Engineered Hardwood Digital Lock System Cutlery Holder Vacuum Kick Plate Curved Shower Rods Built In Soap Dispenser Full Length Mirror Pull Out Waste Bin Ecobee USB Wall Outlets Drop Zone Built In Spice Rack Oversized Patio Doors 104-100 Dynamic Drive, Toronto, ON M1V 5C4 200 Consumers Road, Suite 100, Toronto, ON M2J 4R4 (416) 939-9378 (416) 497-5949 www.mansoornaqviteam.com
THE BUSINESS CHALLENGES FACED BY FRANCHISE OWNERS TODAY DMM DEPARTMENT MB Enterprises
Franchise business challenges are
the whole show. What are the
compromising on your standards.
usually too high in numbers due to
adjustments that needs to be taken to
Instead you need to be strict to make
the high amount of expectations that
become a franchising company
sure the name created in the market
relate to the franchise. Therefore, it’s
owner, is yet another challenge of a
doesn’t get hurt with silly errors.
the responsibility of the Franchisee to
Franchise.
Make sure your business is for
make sure that they meet up with the
profitability concerns and your
franchise business requirements and
Dealing with untrusting Franchisees
Franchise objectives are not just
stay updated with the original
can be a bigger level problem and
business expansion but profitable
requirements of franchise. Meeting up
can result in total waste of time for
business expansions. Customer Care
with quality assurance aspects is one
the Franchise.
is yet another business challenge that
of the biggest franchise challenges
as a Franchising company needs to
that the Franchisee needs to meet,
In order to minimize these business
be handled. 24/7 Customer Support
but it can become a challenge for
challenges it’s necessary for
can be a challenge for a franchisee if
Franchise. Apart from quality
Franchise to follow its business
they are lacking the needed business
assurance, hiring the right team is
protocols and standards and stay up
models and standards as required.
another big challenge as Team
to the mark. You don’t have to bend
Thus, for a Franchisee it should be a
management is the basis of running
down or get down in any way while
priority to make sure that the
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MBE BUSINESS MAGAZINE MAY 2021
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Franchise business model supports
profitability concerns are paramount,
operations in correct order. The right
24/7 Customer Support in all possible
only then can the business objectives
Franchisees will act as a catalyst in
ways.
be achieved as a Franchise owner?
your growth expedition and will yield profitable results for the company.
1. NEVER COMPROMISE ON STANDARDS:
3. HIRING THE RIGHT TEAM- ‘AS A FRANHISEE’: Hiring the right team is part of the
agreement need to re-engineer
As a franchising company you don’t
most accurate business tactics for a
themselves according to the
need to compromise on your
Franchise owner. In the initial stages
Franchise owner company.
standards if your business is worth
of starting any business originally it
the difference. If your standards are
can be a huge challenge to setup a
good enough to compete the best
team. However, while as a Franchise
5. HOW TO DEAL WITH NON-TRUSTWORTHY FRANCHISEES:
ones in the financial markets, you
company, the challenge is bigger as
Dealing with Non-Trustworthy
should enjoy your cutting edge
the team needs to be well trained in
Franchisees is something that needs
mileage. Maintenance of standards
all aspects to deal with all Franchise
to be identified in order to assure that
for Franchisee can be hard to
challenges. Once the strengths and
business operations are smooth. This
monitor, therefore, a flexible business
weaknesses are evaluated, hence
is either through the law or finding
model is the only worthwhile solution
you would know what type of people
other ways to get out of an unwanted
for a Franchise owner.
should be hired. This is vital in order
scenario. It should be an obligation
These Franchisees bounded by the
to bridge the gaps and for the
for the Franchisee to maintain their
2. BUSINESS FOR PROFITABILITY:
elimination of weak points.
strict business operations to satisfy
Doing business for Profitability as a
requirements.
Franchise owner should be the only
4. FINDING THE RIGHT FRANCHISEES:
motive for a Franchise owner. This is
As a business Franchise owner it’s
The Franchise agreement in this case
specifically for those Franchise
the utmost responsibility to find the
holds huge levels of commitments for
owners who have just started to sell
right franchisees. First you need to
both the Franchise owner and the
their name as a Franchise. They
identify What’s Right, & What’s
Franchisee. This especially will be a
should make sure that they earn
Needed? Secondly, you need to know
huge bonus while dealing with
good money rather than just do
how to deal with the Franchisees in
untrusting franchisees.
business on a ‘Break Even.’ If the
order to stimulate your business
and meet with Franchise business
W W W. M B E F O RYOU. C O M
MBE BUSINESS MAGAZINE MAY 2021
63
47th G7 SUMMIT & ITS KEY OBJECTIVES FOR WORLD AFFAIRS DMM DEPARTMENT MB Enterprises
The 47th G7 Summit will be hosted
forward as planned, unless it is
of the Summit, there will be talks with
by United Kingdom in Carbis Bay, St
cancelled due to the adverse effects
regards to Climate Change and other
Ives Cornwall. It will be attended by 7
of the ongoing pandemic in U.K. A
environmental hazards that have
participating countries from the G7,
country that is currently under
influenced the world and world affairs.
i.e. Canada, France, Germany, Italy,
demonstrations against the lock
The 44th G7 Summit took place in
U.K, USA, Japan and finally a
downs, due to the pandemic
Canada in Quebec from 8th – 9th
representative from EU Nations. The
COVID-19.
June 2018 and was a major influence
dates of the Summit will be from 11th
on the state of the world affairs.
June to 13th June 2021’ and the
There will be discussions in the
While, the 45th G7 Summit held in
Summit takes place annually in one
Summit which aims to consider and
Biarritz, France in 2019 was the last
of the G7 countries. The Previous
combat ways to fight the current
summit that actually took place, as
Summit, i.e. the 46th Summit was
pandemic as well as similar diseases
the 46th Summit in USA was
planned in Camp David, United
that can influence the world. Having a
cancelled due to the pandemic.
States. However, the Summit was
global impact on world nations and
cancelled due to the COVID-19
world affairs, the G7 summit includes
pandemic. The Summit that will take
all 7 countries from Top global
THE PARTICIPATING NATIONS & ITS REPS:
place in United Kingdom should go
economies. According to the agendas
The 47th G7 Summit taking place in
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W W W. M B E F O RYOU. C O M
United Kingdom is one of the most important Summits since
Council President and Ursula Von Der Leyen, the Commis-
the last decade, due to the current pandemic. It will be taking
sion President.
place from 11th June to 13th June, and shall be attended by all G7 countries. Canada, one of the key G7 nations, will be
All the representatives of the Summit are global leaders and
represented by Canadian Prime Minister Justin Trudeau. Mr.
hold the most key positions from their honorable nations.
Trudeau son of a former Canadian Prime Minister Pierre
Ironically, being either the President or Premier of their
Trudeau has been elected as Canadian PM for the second
respectable countries. G7 Summit held every year holds key
consecutive time in 2019. France, the host nations of last
agendas that are for the rest of the countries, as well as G7
Summit that took place before the cancelled one, shall be
countries finding out strategies to combat vital political
represented by President Emmanuel Macron. This is followed
issues. These are global agendas that needs to be
by German Chancellor Angela Merkel who represents
addressed through mutual talks & discussions on board. All
Germany & Italy represented by Mario Draghi. However, the
the core G7 members have suffered from the effects of the
host nation United Kingdom shall be represented by current
current pandemic that has caused many deaths globally. The
PM Boris Johnson, Japan represented by PM Yoshihide
countries from the G7 that have suffered the most are USA,
Suga, and the USA will be represented by current President
Italy and the host country United Kingdom.
Joe Biden. The EU representatives are Charles Michel, The
W W W. M B E F O RYOU. C O M
MBE BUSINESS MAGAZINE MAY 2021
65
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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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MBE BUSINESS MAGAZINE MAY 2021
WE ARE HIRING!
RESORT MANAGER
W W W. M B E F O RYOU. C O M
EXCEPTIONAL REAL ESTATE SERVICES
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MAHMOOD NAQVI BROKER
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SYED BAQAR KAZEMI
SALES REPRESENTATIVE