TECHNOLOGICAL INNOVATIONS - MBE BUSINESS MAGAZINE by MBE BUSINESS MAGAZINE

ISSUE 71 | NOVEMBER 2021

TECHNOLOGICAL INNOVATIONS

THAT WILL BE IMPACTING THE FUTURE OF E-BANKING

Pg. 36

THIS MONTH FOCUSING ON Trends that are Impacting the ATM Industry in North America specially Canada

The Impacts of Stress Management on Job Sustainability

Travelling to Canada as a Tourist in 2021

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CONTENTS

Health Benefits Of Green Tea

Performance Management & Its

Positive Effects Of Social Media

Apart From Weight Loss

Importance For Employees In A Company

Two Years Of Pandemic & Its Side-effects

The Advantages Of Social Media After Pandemic...

Remembrance Day - 11th November

All is Well That Ends Well in The Business World

Technological Innovations

Challenges In Change Management Strategies...

The Impacts Of Stress Management

On Job Sustainability

Endangered Species

The Importance Of Working With People In An Organizational Culture

7th Global Summit On Waste Management & Recycling

Event Calendar

On Young Professionals & The Youth

& How The Day Is Observed In Canada

That Will Be Impacting The Future Of E-banking

Conserving White Sturgeons In B.C.

November 2021

FAQ’s: ‘Travelling To Canada As A Tourist In 2021

INTERVIEW WITH

CURT BINNS

Trends That Are Impacting The Atm Industry In North America Especially Canada

EDITOR'S LETTER Dear Readers, Our November issue is here with our 71st edition of the MBE Business Magazine. In November, the Canadian weather can be quite mixed. This North Amercian country is so vast that temperatures in the Artic North are extremely cold at this time, but in the southern coastal regions, close to U.S.A., it;s much milder and can be above freezing for much of the month. This edition of MBE Business Magazine covers an important Article on the Pandemic and its side effects by Mr. Mansoor Naqvi; An insightful piece on advantages of social media after the pandemic with the technology difference by Mr. Mahmood Naqvi; All is Well that Ends Well in the Business World by Mr. Alamdar; In this issue we have an interview with Mr. Curt Binns, who is the director of marketing operations for Cashwave. Topics discussed include how Cashwave on topic how Cash wave has accomplished some dynamic achievements in the field of ATM and Financial Technology. We hope you will find this issue just as interesting and informative as always. Our team has worked tirelessly to bring this issue to you through our digital and social media platforms. Your feedback is highly valuable to us. If you have suggestions or comments please don’t hesitate to call us at 1-866-667-1377 or email us at info@mbeforyou.com to share with 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

TWO YEARS OF PANDEMIC & ITS SIDE-EFFECTS – ‘BRINGING RAPID CHANGES IN ATTITUDES?’

SYED MANSOOR NAQVI

PRESIDENT MBE As part of some necessary measures, it's important for

Response Benefits). These two benefit programs have been a

people to bring a rapid change in attitude, especially after two

huge support from the Govt. to make sure that people don't

years of the pandemic. The pandemic COVID-19 is currently

suffer from the effects of the pandemic.

in the fourth wave and has been a cause of several lockdowns and people mostly working from home.

CHANGING MINDS- PART OF EFFECTIVE CHANGE MANAGEMENT:

For most people, work from home attitudes has actually made

According to the universal laws of earning money, it is vital for

them feel relaxed and rationally that has brought about a

a smooth economic change that people must work hard for

massive change in the thinking mechanism. The corporate

every penny. This is how it was before the pandemic era,

attitude at work has been affected significantly along with the

therefore as a CSR or corporate social responsibility, most

attitudes of taking pressures of work deadlines and other

people must switch their minds towards values of proper

work pressures. It is surely a huge necessity on part of the

change management.

people to take this responsibility and bring a substantial change management in personal behaviors.

The importance of hard work in minds of the common man is necessary to be imposed due to the regulatory measures of

HOW TO COME OUT FROM THE ILLUSIONS OF RELAXED WORK ENVIRONMENT?

the Govt. of Canada. These are part of the pressures

An illusion has been created in the minds of many people that

attitudes of people that must switch back to normal. The way

they can work in a far more relaxed and easy environment

operations were conducted earlier in the Pre-pandemic era,

like it was created in times of the pandemic. It’s a necessity to

Pre-pandemic was different and it’s a necessary requirement

come out of the illusion and get back on track, especially in

of the Canadian Govt. that people must bring that massive

North America. The pressure imposed by the Govt. of Canada

change in their behaviors.

imposed by the ruling & political parties regarding the

regards to the pressures of getting back has made it clear in the minds of people especially, after the huge support

RESET THE ATTITUDE IN MORE REFINED WAYS:

provided by the Canadian Govt. with regards to WSP or Wage

For a fast and much improved recovery it’s important to reset

Subsidy Programs and CERB (Canadian Emergency

the minds of people in more refined ways. Obviously, after a

MBE BUSINESS MAGAZINE NOVEMBER 2021

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

huge gap of a three month lockdown and some lockdowns on

dependability can be actually fatal for people as their hard

a consistent on/off basis, people tend to relax more than

work and self-esteem gets highly affected.

normal. Ironically, due to the work from home options that proved to be a solution for most companies. Hence, resetting

As a matter of fact, the people of Canada shouldn’t have

the attitudes takes lots of effort from the higher management

reliance on anyone even their own Govt. to get back to a

in terms of the strategy-into-action. Making the precise

normal routine life. Simply, as it is a necessity to make

analysis of the scope is most wanted for the sake of making

in-roads and come up with solutions before the problems

better strategies and improved decisions in light of the current

start looking too complicated.

circumstances.

MAINTAINING A CULTURE OF HARD WORK:

HANDLING PRESSURES LIKE BEFORE: The pandemic COVID-19 has proved to be something unique

While we realize the values of hard work, it is imperative to

for people in terms of their work routines. Practically speaking

realize at the same time the corporate culture of Canada in

it did changed many things, but the way pressures were

regards to working hard. The people of Canada are truly hard

handled also changed. Handling pressure at the workplace

working people who know true values of hard work and why

needs a positive energy, a good working attitude and staying

the hard working culture matters to them. It matters signifi-

at work rather than working from home in your cozy environ-

cantly in multiple ways, but the best thing is to know its

ment. Such a situation can only make you relax rather than

importance in recent times after the pandemic. COVID-19 has

handling pressures like before, i.e. Pre-Pandemic era. The

significantly changed many things, likewise it has also

role of management in this era must be to alarm their

changed the attitude of people towards hard work.

sub-ordinates with regards to the discipline of the company. Furthermore, also bring an awareness in regards to avoiding

Hard work is the necessity of these times as things should

the complications.

get back to normal with a sense of responsibility of how to get the job done as before. Such a positive attitude is considered exemplary and can be highly demanding while realizing the key importance of not depending on Govt. programs. Such a

MBE BUSINESS MAGAZINE NOVEMBER 2021

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

The Advantages Of Social Media After Pandemic With The SYED MAHMOOD NAQVI Technology Difference Vice President | MB Enterprises

The pandemic COVID-19 is the most

emerged in the last decade as one of

terms of the casualties and the losses.

recent pandemic in the list of pandem-

the most powerful tools in recent

The primary reason being lack of

ics that the world has seen lately.

times. Although, the pandemic has

medical backup as well as the

Apart from the many differences, a

been a cause of immense number of

technology that was found missing to

key difference is technology that has

losses in recent years, social media

considerable levels. However, in this

played a major role in the revival time

and its powerful advantages have

current age, the options are far more

for the pandemic. Social media which

changed the impact to considerably

secure, brighter and more authorita-

includes, You Tube, Facebook, Linked

huge levels. The change is very

tive in terms of applied contingency.

In and WhatsApp are some of the

positive as it has reduced the impact

This is the age of information,

social media platforms that have

to considerable levels, especially

knowledge sharing and tech-strategy

played a critical role in the revival

during the times of the lockdowns.

and even a pandemic needs to be

process.

HOW SOCIAL MEDIA HAS BEEN SO EFFECTIVE? Social media, a power that has

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

more capable to give the world a killer

WORKING FROM HOME OPTIONS:

blow. COVID-19 is currently in the

A pandemic that came in the world

fourth wave with a series of lock

100 years back from today in the

downs that have impacted businesses

1920s seriously impacted the world in

everywhere. However, with useful and

MBE BUSINESS MAGAZINE NOVEMBER 2021

flexible work from home options and

emerged as one of the most powerful

holds success as well as acts as a

the exceptional usage of Digital media

mediums. It has shown the world the

shield of unity in the most depressing

and social media the losses have

true values attached with the current

times.

been in control.

age in comparison to the pandemic 75-100 years from today. The level of

Practically speaking it has been on

Working from home, is something that

financial crisis is somewhat different

top in showing the world that there is

has emerged as a new dimension and

than it was before primarily due to the

a massive difference between today

has changed the world to considera-

users of internet and online tools.

and similar scenarios arising many

ble levels. It has not only provided

decades back in time.

more options for working at the

Digital literacy is not only the answer,

corporate level, but has also re-engi-

but it is a requirement that contributes

neered the way projects are being

heavily towards the advantages

A DIFFERENCE IN ERA IS A KEY FOR THE REVIVAL:

conducted. For some people it has

attached with social media. You just

‘Revival’ of the fittest is not that

given them higher levels of energy to

can’t miss irrespective of your

different from the ‘Survival of the

work and be more flexible. While we

competencies and acquaintances with

fittest’ in some limited ways. However,

acknowledge the advantages attached

digital technology and tech world in

it truly signifies the difference in era

to social media, we must not forget

general. The breakthroughs are many,

and what difference technology can

the way it has reduced the communica-

however, a huge credit goes to the

bring. ‘Tech’ is found to be a significant

tion gaps. Practically speaking, social

networking and power of connectivity.

and a massive change and is a useful one especially for a rapid revival. It

media holds immense powers to change this world into a digital village,

THE POWERS OF NETWORKING:

truly shows that why the world is so

especially during the pandemic.

‘Networking’ is a massive phenome-

dependent on social media, especial-

non that binds people together to

ly, YouTube, Facebook, Linked In and

THE DIGITAL AGE & USE OF SOCIAL MEDIA:

achieve common goals. In times of the

MySpace especially in some vital

current pandemic, the power of

economies. In simple words technolo-

The digital age revolves around social

networking has proved to be lethal for

gy especially Social Media has been a

media in highly unexpected ways. It

the latest disease. As well as it has

huge contributor in the revival of

complements the benefits of social

given heavy blows in the face to those

mankind.

media post pandemic and the way

who are ignorant of the power of

social media especially Facebook has

networking. An established fact that

MBE BUSINESS MAGAZINE NOVEMBER 2021

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

All is Well That Ends Well in The Business World SYED ALAMDAR HUSSAIN Country Head - MB Enterprises

The business world is full of challeng-

success. Obviously, you haven’t failed

smart entrepreneur & a smart investor

es, opportunities, corporate risks,

at all, as ‘All is well that ends well’.

as well.

financial ups and downs. However, a

The best attribute for a successful

situation can get out of control

businessman is the tendency to

HANDLING A DO OR DIE SITUATION SMARTLY:

sometimes due to a wrong or an early

handle risks. Doing a comprehensive

In times when you need to rely on the

decision or an unwanted scenario.

risk analysis at every step of the

process of decision making, you as an

However, at the end of the day what

journey shall definitely make you a

entrepreneur must know the benefits

matters is how you can deal with the

good entrepreneur and a successful

of smartly handling a do or die

situation and how well can you can

businessman. Just like with the

situation. That is with the best of your

get out of it. The challenges of the

passage of time a successful business-

abilities and good analysis of your

business world should go on parallel,

man knows the secrets of doing

company’s background. A do or die

however, at the same time one must

investments and constantly capitaliz-

situation can get worse as it has the

be competent enough to realize them.

ing on the past results. Thus, at the

tendency to become worse with the

How a certain situation can become

same time its best to do investments

factor of time into play. However, you

challenging for you, however, if you

with diversification, i.e. don’t put all

shall be on the safer side of the

are able to comprehend it with

your eggs in one basket, if you are a

highway if you know well the best way

threats, profits, losses & all kinds of

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

MBE BUSINESS MAGAZINE NOVEMBER 2021

to handle a do-or-die situation. It significantly reduces your

ANALYSING A CHALLENGING SITUATION:

risks to fall down in the world of business like a pack of cards.

Analyzing a challenging situation for good results is what you

Something not admirable for you in the world of business. It’s

should be doing on a far more consistent basis. Business

the ultimate test of nerves and a test of your abilities and

means handling the challenges with an element of positivity

skills that you have the capacities mentally to handle a

along with being more cautious. You wouldn’t love to fall

do-or-die situation. As it says clearly, either you ‘do’, or you

trapped to damaged circumstances or situations time and

‘die’ with nothing in the middle. Thus, such a situation needs

again. It’s like once bitten twice shy, which means don’t

experience in the business world more than skills. On top of

repeat the same mistake every time. Be an analyst of the

this, the timing to handle a case scenario with effective

situation with a better understanding of the changing scenari-

means & positive results.

os.

TRAIN YOUR MIND FOR POSITIVE RESULTS EVERYDAY:

IT’S DIFFICULT TO MAINTAIN A CORPORATE CULTURE:

While you are successfully dealing with the challenges of the

Maintaining a disciplined and a strict corporate culture is far

business world, you should train your mind for positivity and

more difficult than creating the culture in your company in the

good results every day. It is absolutely a fact that every day is

first place. To make things work well at your end its better to

a new day, while the previous day is history. Therefore, your

be strict with discipline & apply positivity in your company. You

mind should be trained enough to fight the challenges with

have to be a huge guide & an example in maintaining the

positivity and immediate compliance. Once you are safe, than

corporate values that have been created initially. Maintenance

surely you will realize the universal truth that ‘All is well that

of your corporate values everyday will bring you closer to the

ends well’. A certain time might have given your business

phrase ‘All is Well That Ends Well.’

some painful moments, but at least you are done and dusted with success. It’s the ultimate success that should give you the pride and happiness in the unpredictable world of business.

MBE BUSINESS MAGAZINE NOVEMBER 2021

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CHALLENGES IN CHANGE MANAGEMENT STRATEGIES FOR A GROWING COMPANY

DIGITAL MEDIA MARKETING MB Enterprises

A growing company or a new business

a company is in its growing up stages,

based on strong decision making. As

is subject to many change manage-

the focus shouldn’t divert towards just

an entrepreneur you should have the

ment strategies that can influence

making money. Ironically, it’s the best

confidence in taking a decision and

growth in long run. According to many

time to implement change manage-

keeping up with your decisions. This is

business gurus and pundits the

ment in the hierarchies and keep

vitally important for you so that you

challenges if catered earlier on with

aware of all or most situations.

reap the benefits of your decision

success can be a huge reliance for a

while the company is growing up.

sustainable business. Change

As an entrepreneur you wouldn’t

management takes place from higher

experiment when you are actually

Some of the challenges in managing

management towards the lower

driving your company on the breake-

change in organizations and how to

management and staff, i.e. from top to

ven point. However, but you would

implement the change:

bottom. Strategies that helps in the

prefer taking risks and understand risk

development of a work culture that is

management through diversified

much needed for a better business

change management strategies.

PLANNING CAREFULLY & BEING ALERT:

supremacy. All new businesses not

Organizational change management

While your growing company is

only needs a backup plan, but a

in the initial phases of a growing

undergoing a change management

sensitive and careful approach. While

business needs to be positive and

program you need to be careful with

MBE BUSINESS MAGAZINE NOVEMBER 2021

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

your planning. Just make sure that you

be at what point in time and you don’t

Other examples includes that you

have a clear plan in place in the first

just need being submissive. In fact,

want to outsource your call-center

place and covers everything, i.e.

there should be enough pride and

activities, but you need to monitor how

When, How and Why the change is

assertive powers in you, in-case you

this change strategy will affect the

taking place. You should minimize the

are lagging behind. How does the

profitability levels and the savings.

risks levels while making plan in the

change play into the business history

Significant changes matter big time for

change management program with

and how is it going to shape the

company, especially during the era of

your alertness being at the maximum.

company’s future strategies.

their growth.

A CLEAR COMMUNICATIONS STRATEGY:

BE SMART IN MONITORING & MEASURING CHANGE:

PROVISION OF PROPER TRAINING:

A clear communications strategy is a

All you need to know is the way a

implementing a change management

highly justified approach during a

certain change management plan will

program is a good attitude on behalf

change management program. Such a

be changing the company and you

of company’s management. Shows

strategy always works out good

should know the best ways to

their level of commitment & responsi-

communication lines across the

measure that. Monitoring & measuring

bilities attached with the change

board, especially while you are in the

the change in your company’s

irrespective of it being from high to

process of making a new team for a

organizational growth will be the best

low. Also, helps in the change being

specific department. You shouldn’t in

in-house strategy. This is solely

injected in the company far quicker

any way be ambiguous regards to

because it will help the company in

than expected.

your plan and discussing your

future in bringing similar change

approach with the team.

strategies. As an example we can say

A provision of a proper training while

that a merger of two departments will

CREATE A SOLID ROAD-MAP:

be a positive change in the organiza-

Your growing company intends to get

tional growth. However, the best way

to the very next stage and you are

to say that with testimony is via

confused. The best treatment is

measuring the change. This is either

developing a solid & a robust

in terms of savings or increased

road-map. A road-map is the best way

profitability levels.

as you would know where you need to

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

MBE BUSINESS MAGAZINE NOVEMBER 2021

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Address: 104-100 Dynamic Drive, Toronto, ON M1V 5C4 Ph: 1-866-667-1377

Fax: 1-866-204-6888 Email: atm@mbeforyou.com Web: atm.mbeforyou.com

ENDANGERED SPECIES – ‘CONSERVING WHITE STURGEONS IN B.C. DMM DEPARTMENT MB Enterprises

There are a number of endangered

important to know the difference to

species in this world and British

conserve a land animal as compared

FACTORS THAT IMPACT THE WHITE STURGEONS:

Columbia is the land of few of them in

to species from the sea and underwa-

The population of The White

the list of the Canadian provinces. A

ter.

Sturgeon is impacted by a hydroelec-

fish that is now in the list of the

tric dam that is in the Nechako River.

endangered species is White

The White Sturgeons live on the

This is a popular and a very old dam

Sturgeon, i.e. getting rare and needs

West coast of the continent North

built in the year 1952 and the dam is

conserving for the sake of preserving

America. In the provincial boundaries

the root cause of the changes in the

the environment. To conserve

of British Columbia they live in the

river’s water flow, quality and finally

endangered species, they need

Fraser and Columbia rivers and

water level. However, with the dam

efforts from the Govt. apart from

estuaries. They are the biggest

reducing the water flow, has caused

efforts from people after getting

fresh-water fish on the continent and

slit to settle over the gravel. This is

aware of the dangers attached to

can live to be over 100 years old. In

where the sturgeons lay their eggs.

species. However, all it takes is an

recent times dams, overfishing, and

The slit is a challenge as it doesn’t

understanding of the conserving

especially water pollution have

hide the eggs apart from the rough

efforts as these efforts might vary

threatened these pre-historic species.

gravel, which are exposed to preda-

according to the characteristics of the

According to an in-depth research all

tors. Thus, causing the eggs to

species and their environments or

of the populations are listed as

become a prey for predators and

natural habitat. For example A White

endangered except the Lower Fraser

finally a massive cause of White

Sturgeon is a fish found in the

River population, which is threatened

Sturgeon being one of the endan-

massive Canadian waters, especially

but not endangered.

gered species.

in areas of British Columbia. It’s

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

MBE BUSINESS MAGAZINE NOVEMBER 2021

According to a very recent study that was done by a UNBC

regulations before going on a trip. Also, before going fishing

graduate student. The study after in-depth research found

don’t forget to have a fresh water fishing license as well as a

that otters in the Nechako River eats Juvenile Sturgeons.

White Sturgeon conservation tag. Always prefer to purchase

Hence, this also maybe a valid reason and an explanation for

the Sturgeon meat, Caviar and other products from licensed

the low survival and spawning rates post-release of hatchery

dealers and sellers. These are people who are committed for

sturgeon.

the sake of conserving the species.

THREATENED ON A GLOBALIZED SCALE & ACTIONS THAT CAN BE TAKEN:

Conservation efforts on the Govt. level are always underway

It’s not only in B.C. province of Canada that Sturgeons are

monitored.

but on an individual basis they should be noted and

found to be endangered. It is on a globalized scale that the Sturgeon are being threatened and found to be on a low scale. The species around the world are under threat due to a huge reason being climate change and also due to poor water quality. According to results that are world wide a massive 87% of the Sturgeon families are endangered. Actions can be taken especially by people who love fishing that they should educate themselves and read the fishing

MBE BUSINESS MAGAZINE NOVEMBER 2021

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

7th GLOBAL SUMMIT ON WASTE MANAGEMENT & RECYCLING’ DMM DEPARTMENT MB Enterprises

The 7th Global Summit on waste

professors, dean, academic research-

deal in waste management for

management & recycling shall be

ers, researchers, industrialists,

sustainability. However, in this era as

taking place in Toronto, Canada from

scientists, students, delegates and

well it has been seen as a challenge

17th Nov to 18th Nov 2021. The

finally the recycling professionals.

for many cities and most underdevel-

issues of waste management &

Also, includes other product develop-

oped and developing countries.

recycling shall be discussed on a

ers to participate at food safety and

According to an exclusive sustainabili-

global scale in Toronto, Canada with

quality conference.

ty report on waste management, the

a huge focus on environmental

effective waste management is found

sustainability. It is an event in shape

The global summit will also discuss

relatively expensive and usually

of a conference that will deal

on a larger scale techniques and

comprises of municipal budgets that

exclusively with knowledge sharing,

parameters to stop food waste along

ranges from 25%-52% with applied

information sharing and coming up

with other waste management

variations from cities to cities. A huge

with new waste management

strategies. The proper waste manage-

portion of waste management

strategies discussed at a global

ment strategies are a huge necessity

practices also deals with solid waste

perspective. The theme of the summit

and a massive advantage to build

which is the bulk of the waste that is

being ‘Reduce & Reuse the waste’

livable cities that are lively, clean and

created by household, industrial

and is a global platform for the

tidy and continuously invest a huge

waste and other commercial

MBE BUSINESS MAGAZINE NOVEMBER 2021

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

activities. This categorization or grouping of waste in various

this source, i.e. water will be an integral topic of discussion at

sectors makes it easier to handle in terms of waste manage-

a globalized forum.

ment procedures and activities. As well as collections from various premises that includes factories, homes, industries,

INDUSTRIAL WASTE:

shopping malls, and commercial property, i.e. offices and

The 7th Global summit on waste management & recycling

large scale businesses.

shall discuss more creatively the priorities in industrial waste. An effective management of the industrial waste on one

THEME OF WASTE MANAGEMENT SUMMIT:

among the many ways to guard and protect our surroundings

The themes and topics of discussions are being segmented

from harmful pollutants. The different manufacturers are

into different sessions that includes waste treatments, waste

governed by waste management policies that want them to

as construction material, handling industrial waste, agricultur-

eliminate industrial ways the proper way. A violation of the

al and E-waste management and finally waste management

rules can lead to massive penalties for the manufacturers.

techniques. All these shall be discussed in the Summit in

The aim is the protection of human health and the environ-

Toronto from 17th to 18th November 2021. Recommenda-

ment as well as fostering partnerships. The industrial wastes

tions and discussions on this topic means why waste

are most often characterized as absolute hazardous,

management is so much wanted to people and how

absolute non-hazardous and mirror entities. It is a topic of

countries are making valuable investments. The technicalities

major discussions and holds huge priorities as waste from

of waste management makes it one of the most wanted

industries is more dangerous in terms of its hazardous

areas in environmental protection and sustainability.

effects. Apart from this the quantity of industrial waste is

The following are some of the topics of concern regards to

much higher than household waste primarily due to the

waste management;

amount of industries in Canada and rest of the developed world.

WASTE TREATMENT: A variety of waste treatment technologies shall be discussed

WASTE MANAGEMENT TECHNIQUES:

in the summit which has a larger focus on the use of technol-

A key and most vital topic of discussions are the role played

ogy for waste management practices. However, the long-es-

by the waste management techniques. These are modern

tablished method of waste treatment is landfilled. Other

techniques of waste management amalgamated with the use

major technologies includes recycling & composting.

of technology and infrastructure. The techniques makes the

Wastewater treatment, a new agenda in the summit is a

environment a better place for the living creatures to survive.

prime agenda to guard the health of many different ecosys-

It is not only found to be the need of the hour, but also a

tems. These are ecosystems that are dependent on water

huge necessity for the welfare of people in the world. The

and wastewater treatments. If properly treated the wastewa-

various waste management techniques makes the process

ter can be a massive source of water that can be used for

of waste management even more effective and successful.

multiple purposes. It is an absolute fact that good wastewater

The summit will further focus on the techniques of waste

treatment allows the utmost amount of water to be reused

management by critically reviewing the discussions and

more than once rather than being wasted. The utilization of

findings of the research students.

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MBE BUSINESS MAGAZINE NOVEMBER 2021

NOVEMBER

EVENT 2021 CALENDAR 1 NOV

MONDAY

All Saints' Day All Saints' Day is a celebration of all Christian saints, particularly those who have no special feast days of their own, in many Roman Catholic, Anglican and Protestant churches. It is also known as All Hallows Tide, All-Hallomas, or All Hallows' Day.

4 NOV

THURSDAY

Diwali/Deepavali

7 NOV

SUNDAY

Daylight Saving Time ends

Many Canadians celebrate Diwali, which is known as the “Festival of Lights”. It is a joyous festival that attracts plenty of media and public attention in Canada. Various community groups, businesses, schools and associations celebrate Diwali each year. Some companies have corporate Diwali dinners and some communities organize carnivals or gatherings that feature firework displays.

Nov. 7th 2021 - Daylight Savings Time ends. When local daylight time is Sunday Nov. 7th at 2:00am, clocks are turned back 1 hour to 1:00am local standard time.

11 NOV

THURSDAY

Remembrance Day Many people wear artificial poppies on their clothes in the weeks before Remembrance Day. Red poppies symbolize the memory of those who died and white poppies campaigns for non-military interventions in conflict situations. On November 11, special church services are organized.

28 NOV

SUNDAY

MBE BUSINESS MAGAZINE NOVEMBER 2021

First Sunday of Advent Many Christians in Canada celebrate the beginning of the Advent season on the first Sunday of Advent. It marks the start of the Christian year in western Christianity. Its length varies from 22 to 28 days, starting on the Sunday nearest St Andrew’s Day and encompassing the next three Sundays, ending on Christmas Day.

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

CROSSWORD PUZZLE SOLUTION

MONTH OCTOBER

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MBE BUSINESS MAGAZINE NOVEMBER 2021

INTERVIEW WITH CURT BINNS

Curt Binns, a well known giant in the ATM Payments Industry joins us today at MBE Business Magazine to talk about his experience and his thoughts on the ATM Industry in Canada. Curt Binns was the former Vice-President of Operations at ICICI Bank for 2 years and after that joined ATMIA as Executive Director for 10 years. Curt Binns is well known and well informed when it comes to the financial and Atm industry in Canada spending more than 30 years in the industry.

1. Can you please start by telling our readers about your childhood and your upbringing (born and raised etc.)? I was born and raised in Sydney, Cape Breton, NS. My early years were filled with loving support from my parents, Eugene and Regina along with my six siblings. I was always supported in all my ventures. Besides schooling, my extra circular activates included Air Cadets, where I received several honors. These included a scholarship to attain a Private Pilot’s license, leadership course and a summer on a European tour. One of my fondest memories was camping, fishing and hunting with my two brothers. My first job while still in school, (14 years old) was working for Colonel Saunders (KFC) on evening and weekends as a potato peeler, cook, meat cutter and general help as needed. Management was very supportive and accommodated me when it came to time off to fulfill self-improvement and educational commitments. My first job after high school was working for a Financial Institution which involved moving out of the family nest to a posting in Annapolis Valley. Working in the bank and living on a farm as a border, I enjoyed helping with chores (not required but, very much appreciated).

MBE BUSINESS MAGAZINE NOVEMBER 2021

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2. Where did you do your education and can you please shed some light on the importance of education in this day and age (graduation and post-graduation)?

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

After graduating high school in 1972, education continued in

lack of a formal education (University). At the time, Financial

the form of in house courses with my employer. This experi-

Institutions were focused on hiring post-secondary school

ence taught me survival skills in the corporate world and

graduates into management roles. I managed to stay ahead

enhanced life skills. My formal education restarted, when in

of this situation by working faster, harder and smarter. My

1990, I started working toward an MBA.

natural built skill became apparent when I was progressivity

At the time I was a full time Dad to two beautiful daughters,

promoted to rolls which required motivational abilities in

working full time as an operations manager in addition to

managing large groups of staff.

My main challenge in the early stages of my career was the

taking on several community service initiatives. my education spanned several universities including - UBC,

5.How did you progress in the ATM Industry and what were the keys to your success?

Trinity West University and University of Alberta.

I was first exposed to ATM`s back in the days of Bank of

As I was a fulltime transferable bank employee, this part of

British Columbia now HSBC. At the time there was no

3. How did you start your career and who or what were your early inspirations and mentors?

internet. The only communication was from the ATM to the

My main motivation in entering the banking world was very

the time - Branch Administrator (Full time) giving demos to

simple - Money, a thirst for learning, travel, and the vision of

those retail customers who were reluctant to try this new

never having a boring career. During my journey I was very

machine which gave out cash and also being available 24/7

fortunate to have done business with people who resonated

for technical support. I carried around another fairly new

with me because of their values, business acumen, and

piece of technology called a “pager”. Our Service Level

respect for the industry and work/life balance. Namely Earl

Agreement was 85% uptime. When a call came in, I was the

Andrusiak (Banker), Mike Lee (Industry Expert), Drew Hockin

technician sent to identify the problem using mostly very

(Banker) and Norm Ward (Medical Profession)

heavy thick IBM manuals. At the time this was a big responsi-

branch where the ATM was housed. I played several roles at

bility.

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MBE BUSINESS MAGAZINE NOVEMBER 2021

From those early days, technology gained speed and kept the

ATM. This has had a significant negative impact on ISO`s. As

ATM world in a constant state of change. Not only the

of today, with COVID-19 slowing down and hopefully under

machine but its ability to dispense money. The network

control, ISO`s are starting to see their business come back.

became faster and mass production drove hardware cost our language changed.

10. How do you like spending your time away from work? Do you have any hobbies or personal interests you would like to share with our readers?

Throughout my career, ATM`s seemed to stick to me even

On a lighter note, I have a passion for cooking, especially for

though I was never trained. As the saying goes “I learned on

larger groups of people. For me, this is a great way of

the fly”.

relieving stress. Also on my list, are long hot summer days

down and software costs up. New features were added, even

trekking through the woods, flying, country fairs, swimming in

6. What advice do you have for young people that are looking to get involved in your chosen field and the same industry that you have been so successful in?

the Bras d`Or Lakes and spending time with everyone in my family village.

career as an ATM expert, you need to keep an open mind, be

11. Can you please end by leaving a message for our readers and others in the community?

flexible and stay on your lifelong learning path. Although

No matter your age, stay on your educational curve. You

many tentacles of the ATM business have become special-

never stop learning.

ized, you need to understand the role of all stake holders, i.e.

Don’t wait to be asked, rather raise your hand.

marketing, IT, logistics, communications, industry regulators,

Don’t be afraid to step outside your comfort zone.

manufacturers and most of all, your competition.

Be open to trying new ventures.

For younger people entering the work force and chose a

Give back to your community.

7. What are your thoughts on the Finance and ATM industry knowing new technology is entering into the industry rapidly?

Help those who need help on their current path. Keep your family close.

During the reign of the ATM, there have been many distractions and attacks on the use of cash in our society. Changes in technology over the past few years have advanced at lightning speed allowing distributors to operate. Varieties include Loyalty programs, Cryptocurrency, Online retail banking and payday houses plus the IT knowledge of the next generation. Globally, cash remains the number one form of payment as evidenced when systems crash amid Mother Nature disasters. Despite the advances of technology, we have a long way to go and I believe the ATM remains on the cutting edge of that of technology.

8.What are your thoughts on how the industry has changed especially with ATM ISO’S since it first became a good business back in the late 90’s? I need to applaud all ISO`s especially the early entrants into the ATM Space for their entrepreneurial savvy. They have made a case in point that cash is here to stay well into the future. Our society today, in general the ATM, has become a very necessary convenience.

9. What do you feel has changed in the financial, banking and payment industry before during and after COVID-19 and its effects? With the onslaught of COVID-19, global consumers in the ATM space have learned to adjust to life without using an

MBE BUSINESS MAGAZINE NOVEMBER 2021

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HEALTH BENEFITS OF GREEN TEA APART FROM WEIGHT LOSS DMM DEPARTMENT MB Enterprises

A beverage that is consumed in most parts of the world holds

taste and out of this world odor. Dipped with a lemon a green

many health benefits apart from the famous one that includes

tea relaxes your mind and your body feels light and much

weight loss benefits. It is in no doubt one of the healthiest

more relaxed while you know the art of releasing pressure.

beverages on the planet and is loaded with antioxidants which have many health benefits for humans. These includes

Green Tea for best results is being consumed after dinner or

apart from fat loss, improved brain function, protecting

lunch to make you relax after a heavy food in-take.

against cancer and lowering the risks of heart diseases. Taste

Some of the most prominent benefits of Green Tea are as

different from black tea and is available globally in many

follows;

different flavors according to the tastes of people. China is found to be the largest producer of green tea and the

IMPROVES THE BRAIN FUNCTION:

consumption for best results should be at least 3-5 times per

Green Tea improves the brain function to considerable levels

day. It may seem to you in the first place as a very simple

because of the ingredients it possesses. The key active

beverage, like a medication. However, as you enjoy the taste

ingredient in Green Tea is caffeine, which is a known

you will never drink Green Tea without enjoying the beautiful

stimulant. Research regards to caffeine has shown consist-

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

MBE BUSINESS MAGAZINE NOVEMBER 2021

ently that it improves the function of brain including the mood,

cells. It is found to be the leading causes of death according

vigilance, reaction time and the memory. The caffeine found in

to research on different diseases also including mental as

Green Tea and L-Theanine can have synergistic effects. This

well.

precisely means that the best combination of the two can have much more powerful effects on the brain function.

As Green Tea is a very powerful source of antioxidants. These

According to a survey results, i.e. in comparison of Green Tea

antioxidants are the ones that help protect against oxidative

consumers with Coffee consumers. The Green Tea gives its

damage. The fact is that the risks to get cancer of the three

consumers much increased energy levels while they

types mentioned above are low. However, somebody having

consume it. It makes the consumers even more productive

diagnosed with Cancer should go for the medical treatment

while having the green tea also on a more consistent basis.

that is necessary to get permanent cure.

BURNS FAT MUCH FASTER & REDUCES BELLY FAT: You are sick and tired of your increasing fat and are unable to

PREVENTS HEART DISEASES & OTHER CARDIOVASCULAR DISEASES:

stand tall due to being a bit overweight. Try green tea, a

Found to be a good beverage for the heart, especially

stimulant that acts fast in losing unnecessary fat. This is

cardiovascular diseases. Furthermore, also found to be the

according to the research that Green Tea is good for fast fat

leading cause of death worldwide and in North America as

burning, reduces belly fat and helps in boosting the metabolic

well are the cardiovascular diseases including heart disease

rate. The results are also dependent on one person to

and stroke. More studies on green tea have shown that it

another as for some people it acts faster. While, for other the

improves the cholesterol levels and LDL or Bad Cholesterol

results can act slow which means they need to work harder

levels. Further studies conducted on Green Tea consumption

as well to burn fat fast through regular exercises.

has shown that people who drink the beverage have a 34% lower risk of dying from a cardiovascular disease.

THE BENEFITS OF ANTIOXIDANTS FOUND IN GREEN TEA:

The modern era that highly and enthusiastically revolves around the consumption of junk food and fatty food items. The consumption of Green Tea is highly beneficial as it not only

Antioxidants are found in Green Tea and are highly advanta-

reduces weight if consumed consistently. But, also reduces

geous for treating yourself for many diseases. These diseases

risk of death due to Cardio & heart diseases, Cancers of 3-4

are different forms of Cancer that includes Breast Cancer,

types and Diabetes Type 2. Health is wealth and your health

Prostate Cancer and Colorectal Cancer. As Cancer is one of

should hold priorities for you in any possible way.

the most dangerous and life taking diseases that can be caused by increased blood cells or an uncontrolled growth of

MBE BUSINESS MAGAZINE NOVEMBER 2021

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TOPBENEFITS

RMA/MBBP CANADA WWW.RMACANADA.COM

Payment Processing Services Credit & Debit Cards

01.

ATM Deals and Offers

02.

Esso (Imperial Oil)

03.

Voortman Bakery

04.

Energy Savings

05.

Grocery Coupon Redemption Service

06.

Pay stubs, cheques and office supplies. 50% discount on first purchase

Deluxe Nebs

07.

Accounting Services

08.

Drug Plan

09.

Home, Auto, Health, Dental and Life Insurance

10.

e-Shipper

11.

Cineplex Discount

12.

Northern Financial Group

13.

MBE Business Magazine

14.

Real Estate

15.

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

MBE BUSINESS MAGAZINE NOVEMBER 2021

Choice Hotels

16.

Avis Preferred Services

17.

Travel & Tours

18.

Budget

19.

Immigration Services

20.

MBE Technologies

21.

Mortgage /Business Loans

22.

MBE Construction

23.

Credit Counseling

24.

RMA and MBBP Revenue Sharing

25.

MBE Software Solution

26.

Weston Bakeries

27.

South Cove Foods LP.

28.

Canadian Corporate Legal Services

29.

Legal Services

30.

MBE BUSINESS MAGAZINE NOVEMBER 2021

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

PERFORMANCE MANAGEMENT & ITS IMPORTANCE FOR EMPLOYEES IN A COMPANY

DMM DEPARTMENT MB Enterprises

Performance management, monitoring & evaluation holds

and MNC’s that they not only know how to use an employee’s

deep and valuable importance for an employee especially in a

potential. But, they are also well equipped to deal with the

multinational company. It consistently gives motivation to an

weaknesses and improvise the strengths of employees while

employee to improve his/her performances while keeping a

training them. All these training & development activities are

self-track of previous records and activities. It also develops in

also part of the performance management goals and targets

an employee the skills and attributes of self-management and

made for employees. In small and medium sized companies

personal development. Also holds elements of personality

these are things that can help the company move up the

development, time management and conflict management all

ladder and grow along with their employees. Attitudes and

that are highly significant for an employee to move higher up

behaviors always matter for sustainable results in the future.

in the hierarchies. Employee performance management is not integral in terms of the development strategies for the

HELPS IN RETENTION OF TALENT & TALENT MANAGEMENT:

company.

The talent management is a key aspect in a company regards

only good for an employee’s career prospects but also is

to the retention strategies. In performance management the Career management strategies always brings employee

importance of retention strategies holds most stars. As it is

towards improving their performances and to be an asset for

the motive of the company to retain the best talent and skills

the company in which they are working. They demonstrate

in their company as part of a good investment strategy. Why

the attitudes of employees in terms of time management,

you are important for the company? A question you should

dealing with co-workers and peers and handling issues while

keep asking yourself as an employee would also help in

coming up with solutions. The various different KPI’s or Key

performance management and monitoring. The higher

Performance Indicators that are adopted by different compa-

management and the HR is always looking for people like

nies for assessing employee behaviors always play a positive

these who are determined enough and keep asking

role in their nurturing. It’s the attitude of bigger companies

themselves why they are a key for their organizational goals.

MBE BUSINESS MAGAZINE NOVEMBER 2021

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Investing in people is not that easy as it needs skills to work out the talent and abilities of an employee. It is vital for an investor to know the ups and downs of an investment

PERFORMANCE APPRAISALS IS DIFFERENT FROM PERFORMANCE MANAGEMENT: The performance appraisal that is pay rise, increments,

irrespective of it being an investment in ‘work force’ or in

incentives and perks have nothing to do with performance

terms of ‘intellectual property’.

management. However, the appraisal has some dependen-

KEEPS EMPLOYEES ENGAGED & ACTIVE:

cies on the performance management activities in place in a company. The performance management is considered in

Something that motivates employees from the inside to take

most companies as being a proactive approach adopted and

the challenges and start acting as an active member of a

custom made for employees. While the performance appraisal

company. Employee engagement is the biggest focus of the

is more or less a reactive approach. The motive in perfor-

management team and strategies needs to be worked out to

mance management is to look forward, while performance

keep employees engaged with activities of self-development

appraisal is dependent on strategies of backward looking, i.e.

as well as working for the goals of the firm.

on basis of previous appraisals. In most organizational cultures performance management is a flexible strategy that

According to a survey based on results from a MNC in

is consistently ongoing. While performance appraisal is found

Canada 91.5% of employees would prefer their managers

to be a rigid operational strategy that has a frequency of once

give them feedback and the development opportunities in real time. While the same survey revealed that 82% would prefer a feedback that is quarterly. This surely means that a huge

in a year, dependent on company to company.

THE BENEFITS OF PERFORMANCE MANAGEMENT:

number of employees are interested in their performance

Holds a number of benefits as performance management is

management along with the day-to-day organizational goals

the approach that is transformed and adopted according to a

that they are achieving. Some of the employees in a company

company’s goals. In a growing company it helps a great deal

having dis-satisfaction regards to their appraisal methods

in making a culture and then maintaining it for bigger and

took part in a survey in an American Pharma company. 65%

better results. Also holds benefits while gaining the competi-

of the employees felt that their performance review was

tive advantage against the competitor’s as a competitive

incomplete & missing somewhere. 61% have feelings for the

advantage is the most wanted twist in the tail.

process being outdated. While 51% were uncomfortable and raising issues with their managers in between the reviews.

When organizations successfully engage their customers and

However, in the same survey, a massive 75% felt that they

their employees, they surely experience a 225% boost in

should be more effective with much more frequent feedbacks.

performance-related business outcomes. Finally, helps in

Finally, 67% of the executives in the survey don’t learn about

making practical benchmarks for a company.

employee concerns until the performance review.

MBE BUSINESS MAGAZINE NOVEMBER 2021

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POSITIVE EFFECTS OF SOCIAL MEDIA ON YOUNG PROFESSIONALS & THE YOUTH DIGITAL MEDIA MARKETING MB Enterprises Social Media & social networking

Facebook is an example of people

ing and a massive step towards the

websites are a common entity that are

interacting with each other, wishing

transformation of youth towards

used by people on a day-to-day basis.

birthday messages every day and

sustainable developments.

However, in the life of youth especially

using networking for the sake of

it has a massive role to play regards

career and business prospects.

While psychologically boosting the

to their daily activities. These activities

Especially for the youth the role of

attitude of youth and making them

includes setting up a new business,

social media is scientifically smart and

learn the importance of time is the aim

studying, travelling for fun, e-learning

motivational regards to the goals of

of social media and their different

& fitness activities. Social media

the Youth. The passion to learn, earn

platforms. It triggers into the minds of

including the YouTube is a massive

money smartly and networking is

the youth a positive determination and

source for the youth to re-engineer

achieved extensively by the use of

a unique way to fight the challenges of

their thoughts & emotions and cluster

Facebook, LinkedIn, Twitter, Myspace

life. The way in which Facebook works

them for forward thinking including

and YouTube. Personalized YouTube

simultaneously for the goals of people

career goals. Social media in form of

marketing via the use of YouTube

and motivate them every day to live a

the social networking website e.g.

channels is indeed the latest upbring-

happy and motivated life is the reason

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MBE BUSINESS MAGAZINE NOVEMBER 2021

it has been developed. The psychology behind Facebook is

confidence level while facing the challenges of the profession-

‘Live Life King Size’ and always feel good for yourself.

al world.

The various different ways in which social media effects youth

POSITIVE THINKING & AVOIDING ILL THINKING:

positively;

The power of social media including Facebook, You Tube and Twitter is an ultimate source or provider of positive thinking.

TRAVEL MOTIVATION:

Gives all the ingredients to avoid ill-thinking and negative

Travel motivation is a unique type of motivation that is

thinking and aligns your thoughts and goals more accurately

triggered in the minds of people via photography and usage

and systematically. How they empower positive thinking? A

of videos to motivate people. YouTube and Facebook are the

question that might be arising in many minds. YouTube and

two major platforms on social media that triggers motivational

Facebook are platforms that helps people socialize, make a

travelling amongst people. Especially, those who can afford to

network and makes them realize the importance of a healthy

travel and love travelling different places. These are places

life. Apart from travel motivations, it empowers academic and

according to historical significance, landscape or beauty

social motivation and diminishes negative emotions from the

significance or other passionate aspects. Travel motivation is

minds of young people.

also for marketing purposes, however, for the youth it is part of their adventure life and always boosts them achieve their goals.

NETWORKING & SOCIAL NETWORKING FOR CAREER GOALS: ‘Networking’ is indeed an art of the most professional people

SELF-MOTIVATION:

who want to make success a habit. These are young and

Self-motivational videos and images are a common entity that

determined minds and professionals who want to become

are a part of social media. Especially, for the youth it

rich entrepreneurs and business people. Social networking,

becomes part of their ideology and brings them closer to their

i.e. through Facebook helps young people achieve their

goals of life apart from providing the emotional satisfaction.

career goals while sitting from home. This can be through the

Works effectively in times when people especially the teens

process of learning a foreign language on social media or

are down and out and need a social boost or a motivational

developing skills and attributes that are worth your business

push to fight the negative thoughts.

objectives.

YOUNG ENTREPRENEURS- ‘AS A MARKETING MEDIUM’:

DEVELOPS THE YOUTH PSYCHOLOGY IN MANY WAYS:

For young entrepreneurs social media has been a massive

Social media develops the psychology of youth in multiple

source of re-treat and a marketing medium. It is indeed a

ways while giving the young people an attitude towards their

platform that provides some unique and diverse opportunities

milestones. It triggers positive psychology in young people

of digital marketing that are attracted by young entrepreneurs

and makes them more self-aware of how to handle difficult

for psychological reasons as compared to established

situations. Through the frequent use of Facebook, the sense

businesses. Facebook and You Tube, the two best forms of

of being competitive in the youth grows to much more

digital marketing tools are used effectively by young entrepre-

optimum levels. Makes the youth realize the importance of a

neurs while making an online presence.

positive mental psychology.

Young entrepreneurs in the business world not only enjoy their online presence while using social media as a marketing tool. But, they also celebrate with social networking websites like Facebook their brand image and the unique brand identity.

INCREASES THE LEVEL OF CONFIDENCE: Your growing up days are the most beautiful moments that you want to adore all your life. Social networking websites are a rich source of providing confidence and increasing self-confidence every day. It gives you the opportunity to show your most wanted images, your confident pictures and your iconic videos and celebration images. All these pics shows your

MBE BUSINESS MAGAZINE NOVEMBER 2021

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REMEMBRANCE DAY - 11th NOVEMBER 2021 & HOW THE DAY IS OBSERVED IN CANADA

DMM DEPARTMENT MB Enterprises

‘Remembrance Day’ also known as ‘Armistice Day’ is

I and II are famous ones, due to some strategical & political

observed in Canada on 11th November every year in form of

reasons and the deadliest of the wars in history. As it says

a national level holiday in Canada. It is in memory of the end

World War, the involvement of the whole world in the wars

of the hostilities of World War I that started on 28th July 1914

and the agendas that are the subject of conflict in the wars

and ended on 11th November 1918. After the Second World

are all considered as global. Caused many losses in terms of

War and the Mongol conquests in Europe it is regarded as

lives, destruction of property, & economic losses for those

the third most deadly war in history, ending up with a huge

nations that participated with huge enthusiasm in the war.

number of hostilities. It is first of the only two global wars in

Along with the frontline participants and involving all the great

history known as World Wars and is called the ‘Great War’.

powers of the world. It is divided into allied and axis powers and key countries involved includes Soviet Union, United

The day is remembered and celebrated as a huge day for the

States, Great Britain, France, Hungary, Austria and Germany.

peacemakers in history and for those who lost their lives. A

The war left 17 million soldiers dead and 21 million wounded.

war can never be considered as a good thing as it causes immense destructions, devastations and economic losses to

WHY IT IS KNOWN AS THE REMEMBRANCE DAY?

the nations involved in the war. However, the World Wars both

The day is celebrated on the 11th of November every year in

MBE BUSINESS MAGAZINE NOVEMBER 2021

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

the memory of the soldiers that gave their lives in World War I

Most people in Canada doesn’t want to accept this day as a

and the way they fought with many to follow. On the ‘Remem-

holiday. Therefore, it is not observed in all the provinces as a

brance Day’ the members of the armed forces i.e. soldiers,

statutory holiday. However, some of the Canadian provinces

sailors and airmen are commemorated and honored for their

still recognize this day and celebrate it with respect and

vital contributions.

remembrance for victims of War.

It is exactly on the 11th Nov at 11am in 1918 i.e. the eleventh hour of the eleventh day of the eleventh month that the

WORLD WAR I – ‘THE DARKEST HOUR’:

armies stopped fighting resulting in a halt to the World War I.

No wonder the world has seen some dark hours in form of

Canada also suffered some losses in form of 100,000

World Wars, i.e. World War I and World War II. The first one

soldiers that died in the First and the Second World Wars.

also known as ‘The Great War’ was shorter than the Second

Canada, being the monarchy of the United Kingdom was

World War i.e. lasted just a bit more than four years. Hence,

involved in the World War I as a key participant, especially in

while the World War II being the most deadly wars in the

the end.

history of wars lasted almost six years. However, in terms of the casualties and the destruction caused the figures are 17

In the whole country Canada, it is observed as a federal

million in comparison to a huge 70 million in World War II.

holiday with exception of NS, NWT, ON & QC. The obser-

With respect to the impact on human minds and the level of

vance takes place in form of the speeches on the occasion

shock it gave to nations and people. World War I is regarded

and all the Govt. buildings flying the Canadian flag while

as the start of the dark hours in history created because of

remembering those who lost their lives. This is an observation

wars. We are not just talking about Cold War having taken

that takes place in form of a 2 minutes silence at 11 am.

place on a round table, but involvement of manpower and

People on this day as a symbol and gesture of respect wear

military along with the artilleries. Thus, the destruction level

the poppies before the day and particularly on the day. It is

can’t be ignored as it was the First World War and something

simply a human gesture showing love and respect for those

of that magnitude was witnessed for the very first time.

who fought bravely and for those Canadians as well who lost their lives while fighting.

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

MBE BUSINESS MAGAZINE NOVEMBER 2021

TECHNOLOGICAL INNOVATIONS THAT WILL BE IMPACTING THE FUTURE OF E-BANKING

DMM DEPARTMENT MB Enterprises

The technological innovations that will be impacting the future

Artificial intelligence or AI has a lot to contribute towards the

of e-banking industry are increasing every day. This is more

technology aspects that are associated with the banking

precisely due to the demand in the banking industry and how

sector. This is a significantly unique way in which the banking

that demand has reshaped the future of e-banking. Naturally,

industry is encountering transformations on a daily basis.

the inclinations are more towards technology and its involve-

Thus, the motive is being competitive, being user-friendly and

ment for a sustainable financial future. E-banking and online

secure in terms of the financial security aspects.

payments are just very common and old examples of the

Here are short descriptions of some of the technologies

contributions made by technology in the banking and finance

involved for a better and clear understanding;

sector. The future technologies according to the experts will be more customer oriented and more efficient in terms of the

1. ROBOTIC PROCESS AUTOMATION (RPA):

operations. On top of them being efficient, it shall also provide

The Robotic Process Automation as the name suggests is a

more targeted, secure and intelligent solutions. While we

clear indications of the involvement of Robotics for the usage

declare technology as the key driving force in the near future.

of financial services. The RPA across the financial services

There are more organizations that will take the help of

has not only helped the banks, but the credit unions as well to

technology to redefine themselves to be more competitive.

accelerate growth by the execution of the pre-programmed

Hence, as well as being more responsive to the marketing

rules across a range of data. This data is either structured or

needs.

non-structured data.

MBE BUSINESS MAGAZINE NOVEMBER 2021

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

This is an intelligent automation that provides the processes

The drawbacks for the firms not opting for AI are also plenty

the power to develop e-learning from prior decisions automati-

in terms of costs and unexpected expenses. These are

cally by themselves. Also, involved are the data patterns that

challenges such as fear of failure, and regulatory compliance

are used for automated decision making. This significantly is

as the most common issues arising. However, the challenges

a huge way in which many costs are substantially reduced,

rising in the banking industry due to the lack of AI is the

i.e. the administrative and regulatory costs. Also, brings

absence of people experienced in data collection. Secondly,

massive improvements in the quality and the speed of the

in the analysis and application and the existence of data silos.

operations.

However, what’s the good part is that many data firms enjoy the capability of a procedure known as ‘workaround’ or

RPA, plays a big role in the banking industry that is grooming

collecting data from the organization.

technology-wise on a daily basis. It also simplifies the procedures of compliance which is mandatory by keeping a

Payments that are made faster and according to the laws of

detailed logs of automated processes. Also, automatically

timeliness are the most preferred ones in the banking sector.

generates the reports that are needed by the auditors in the

The role of technology has been phenomenal in this regards

banking industry and helps eliminate the human errors.

bringing new and improved advantages for the consumers in

Through RPA or Robotic Process Automation, the processes

the consumer banking industry.

of tweaking that helps in fitting new or updated regulations is never a difficulty.

The instant payment options are available in many markets despite the lack of immediate payment infrastructures. In

2. THE USE OF ‘AI’ OR ARTIFICIAL INTELLIGENCE:

many countries the banks partner together for the sake of

The AI or Artificial Intelligence is everywhere with its applica-

offering an immediate P2P payment experience to a wider

tions in film industry, media, sports and banking and finance.

customer base. With the use of instant payments the frequen-

However, its benefits in the banks and credit unions are far

cy of transactions will be far higher. In other words more

more and widespread. These are benefits in back office

transactions will be made digitally instead of cash, making the

operations, compliance procedures, customer service, risk

payments more customer friendly.

management, product delivery and marketing operations being some of the few.

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

MBE BUSINESS MAGAZINE NOVEMBER 2021

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THE IMPACTS OF STRESS MANAGEMENT ON JOB SUSTAINABILITY

DMM DEPARTMENT MB Enterprises

How stress management directly impacts job sustainability is

work has been a huge hindrance and interfered with their

a topic that may hold many different opinions. However, in the

responsibilities at home. Hence, directly affecting the psychol-

light of organizational behavior and the company’s work

ogy and thinking of most people resulting in work-life balance

culture it holds huge importance levels. Sustainable solutions

issues and staying at one job for a desirable time period.

for stress management always works out well at the

These issues also arise characteristics that included negative

workplace and regards to the issues that may arise at work.

work relationships, interpersonal conflicts, social isolation and

The workplace stress is most of the time associated with

lack of peer support.

physical health problems with a tendency to grow. These includes headaches, upset stomach, muscle tension, and

ADOPTING A HEALTHY LIFESTYLE:

psychological problems such as depression, anxiety and

Adopting a healthy lifestyle is one of the solutions and ways

burnout. All these issues can be controlled for the sake of job

to manage stress and work pressures. A routine lifestyle is

sustainability and working at one place for a longer period.

the best way to achieve business and corporate goals while

The solution or best remedy is through handling stress and

managing your stress levels and time pressures at work

work pressures with the help of your own thought process.

place. You have to give a 30 minutes briefing to your client, however, unfortunately you are having stress handling issues.

STRESS MANAGEMENT & HANDLING PRESSURES:

All you need is a 50-60 minutes of your routine walk at night,

The best way to handle work pressures and stress manage-

which makes it the best time to relax and brainstorm your

ment is through proper planning and taking short breaks

points for your clients. It’s the attitude and the best ways you

while working for longer hours. Sustainability at the workplace

present your thoughts that is more worthwhile for your client’s

has different definitions in different work cultures, however,

image.

the best way to define sustainability is giving optimum performances with consistency for a longer period of time.

IDENTIFICATION OF THE STRESS ISSUES AT WORKPLACE:

According to a survey conducted in 2010 by American

The identification of the issue at your end will surely result in

Psychological Association indicated that 71.5% of the

being the best of the ways to handle stress. How can you

employees reported that work was a significant source of

cure an issue, unless you know yourself what’s the source of

stress for them. At the same time they also concluded that

the problem or the problem generator? Just like a doctor

MBE BUSINESS MAGAZINE NOVEMBER 2021

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

knows the source of the health issue before giving a prescrip-

Just remember hindrances will always come on your road to a

tion, it’s a necessity that you be your own doctor. Identification

sustainable career, however, they are not bound to hurt you if

of the problem at the workplace, either with your team

you know how to handle them.

member, with a client, or an issue at the customer’s end. True identification will definitely ease you regards to managing the

HANDLING PEER PRESSURE TO REDUCE STRESS:

stress levels & allow you to come closer to your targets for the

Working together in teams can cause increase in stress

day. At the end of the day, you just have to be true to yourself

levels due to conflict of opinions and other related issues.

to help identify the problem that is causing hindrances at your

However, best way towards stress management is through

workplace. It is similar to putting the wrong bricks while your

handling peer pressure while working for the goals of the firm.

building is in the initial phases of construction. The identifica-

Peer pressures can even result in politics within the company

tion of the issue in the initial phases will definitely help in your

and being a cause of damaging a colleague performance.

job sustainability and your target orientation.

Apart from a professional advice, self-handling of peer pressures can result in reducing stress levels. To increase the

According to another survey conducted in the year 2014 by

comfort levels, the best way is to reduce the communication

the American Institute of Stress, the workplace stress costs

gap while being more communicative and oral with the

multinationals in America approximately over $350 billion

situation.

annually in lost productivity due to mainly absenteeism, turnover and healthcare expenditures.

Talking your way through to find a solution can become a resolution in any company as it is the finest way to handle

LOOKING OUT FOR PROFESSIONAL HELP:

stress and peer pressure. It also avoids the unwanted

If you are unable to identify your problems, a professional

element of negative thinking that can hurt both the company

advice or a career counselling would do wonders to your

agendas and a professional’s career goals. Handling the

confidence. A psychologist can’t in any way prove to be a

peers with compassion is always a huge way towards job

disaster for you in any circumstances. At the same time

sustainability.

talking your way through with a professional from the same field or your own HR can resolve issues with more ease and larger comfort. Your problems of stress management just needs a quick remedy as they can hurt the level of job sustenance that you have been looking to climb the mountain.

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

MBE BUSINESS MAGAZINE NOVEMBER 2021

THE IMPORTANCE OF WORKING WITH PEOPLE IN AN ORGANIZATIONAL CULTURE DMM DEPARTMENT MB Enterprises

Working with people in an organiza-

other words, you have to find success

tional culture holds huge level of

in the success of your organization

HOW A STRONG COMPANY CULTURE IS THE KEY TO BUSINESS SUCCESS?

importance in terms of accumulated

for mutual commitments.

A strong company culture is the key

goals and success ideologies. It is

to business success is a belief of

similar to a playing field where the

No one can deny the importance of

almost 85% of employees. These are

role of all individuals is necessary for

quality management while reaching

results from a set of combined data

the sake of generating success. Thus,

your goals for a successful organiza-

from different organizations merged

while highlighting the importance of

tional culture. A culture that rests on

together. The definitions of an

team work, it is necessary to identify

pillars of discipline, hard work,

organizational culture are diverse and

how gelling together works well for a

standards along with quality manage-

different, but the basic idea refers

disciplined culture.

ment. People management, a part of

significantly to the values, beliefs and

human resource holds vital priorities

the behaviors that are created and

An organizational culture designed

we set goals for future development.

maintained by the organizational

for success revolves around many

It’s the man handling that counts in

leadership.

different things combined together.

people management along with the

They include self-management,

art of working together with happy

It is true that an organizational culture

realization of one’s duties and

vibes. The factor of motivation adds

goes a long way in creating the brand

responsibilities and being someone

fuel to the organizational culture

image of the organization. This is

who loves taking the initiatives. In

machinery.

apart from people to people interac-

MBE BUSINESS MAGAZINE NOVEMBER 2021

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

tions and what are the key elements that makes an organiza-

the ones that compete on a huge level with much higher

tional culture unique? It sets a unique identity for an organiza-

goals of profitability. Rewards and recognition in terms of

tion that helps in future goal attainment. Hence, in other

incentives, acknowledgements and praise is a heavy part of

words, for the general public an organization is known for its

the emotional intelligence aspects linked up with employees.

culture. These are related to practices in terms of partying, playing and interaction exercising, problem solving, and

FLEXIBILITY AT WORK & WORK FROM HOME OPTIONS:

meeting up with heavy deadlines. Also, includes part of the

While we have discussed an organizational culture that is for

culture are the trends of extra work and late sittings that

people’s motivation, a healthy organizational culture holds

counts a lot in terms of the employees profile along with the

ingredients of success in much more smoother ways. In such

company portfolio and its culture. It actually helps in building

an organizational culture the managers provide the ways to

an emotional attachment with the enterprise something that

maintain the balance of work through flexible schedules,

holds values of true happiness and success.

on-site amenities, and also includes work from home options. The work from home options are found more commonly in

RECOGNITION OF EFFORTS THROUGH AWARDS & INCENTIVES:

companies these days especially due to the current circum-

An organizational culture as part and parcel of the practices

only triggers values of trust in employees, but also encourag-

also revolves heavily around recognition and rewards. These

es them to work flexibly. Practices that are part of the healthy

are the two key values that not only motivates an employee

organizational culture are adopted these days by more and

to work with larger commitments. However, it also is a key

more organizations for improvising and improving the

motivation for employees to work for the mutual goals of the

standards at the workplace. This is apart from the workplace

firm. An organization that values the efforts of employees are

best practices and the norms and ethics.

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

stances due to the pandemic. They are the options that not

MBE BUSINESS MAGAZINE NOVEMBER 2021

FAQ’S: ‘TRAVELLING TO CANADA AS A TOURIST IN 2021 DMM DEPARTMENT MB Enterprises

Travelling to Canada as a tourist in

protocols for both national and

These are dependent on variable

2021 holds many restrictions that are

international travels. The only and

conditions regards to travel during the

being made mandatory due to the

most common reason being tourism

COVID-19 strict protocols in 2021.

COVID-19 measures. Requires

values getting disturbed due to the

checks that are a necessary part of

pandemic COVID-19.

HOW CANADA DEFINES THE ‘FULLY’ VACCINATED TRAVELLERS?

even more strict measures since the

In the neighboring United States the

In this current scenario of the

pandemic has evolved in the rest of

effects of the pandemic has been

pandemic COVID-19, Canada shall

the world including the Canadian

more significant and statistically

only consider you as “Fully” vaccinat-

provinces and territories. Canada has

speaking United States is found to be

ed if you have received the full

maintained strict security compliance

the most affected country in terms of

recommended dose of a vaccine. The

and health & Safety measures in form

the number of deaths. The travel bans

important thing regards to this is that

of travel bans as well as a short-term

and strict protocols also apply on the

the dose of the vaccine should be

ban that was imposed on the

neighboring United States, a country

from a manufacturer approved from

USA-Canada borders. Furthermore,

that has been on a larger suffering

Health Canada. These are four

there has been bans imposed on

end, than any other country.

vaccines from different companies

the immigration procedures but hold

known as Pfizer (USA), Astra Zaneca

nationwide travelling, i.e. travelling from one Canadian province to

A set of FAQ’s, i.e. frequently Asked

(U.K.), Moderna (USA) and Janssen

another. In other words, they have

Questions with precise answers shall

(from Johnson & Johnson- USA).

strictly stayed with the maintenance

be good enough to define how the

of quality assurance & health & safety

strict protocols Canada is observing.

MBE BUSINESS MAGAZINE NOVEMBER 2021

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

WILL TRAVEL TO CANADA REQUIRE COVID-19 VACCINE?

cross borders in case if they are not vaccinated. After 9th of

Travelling to Canada is a frequent entity for many people

August there is not any mandatory law to stay in a govt.-ap-

from different countries, not only North America. This thing

proved hotel at their own expenses. Hence, only if the

highly depends on the purpose of your travel and whether

concerned traveler is waiting for their results of their on-arriv-

you are exempt from travel restrictions. Ironically, it holds

al test.

some reasons. If the reason for your visit is for essential Govt. of Canada. Hence, in that case, you shall have to

WHAT IF THERE IS A HEALTH CONDITION THAT DOESN’T ALLOWS THE TRAVELLER TO GET VACCINATED?

undergo quarantine and testing measures.

A health condition that doesn’t allow the travelers to get

reasons, however, you are not fully vaccinated in the eyes of

vaccinated is an interesting scenario. The opinion that the However, if you are coming for a non-essential reason, i.e. for

organization Health Canada holds in this regards is that

tourism or for the purpose of shopping. You will need to be

according to the vaccine’s label it is unsafe for a person to be

fully vaccinated. Reasons for the visit holds huge attention as

vaccinated. Hence, in that case the person automatically

it has to be a valid reason until the pandemic rules applies in

qualifies for an eased quarantine. The traveler may also

Canada.

follow a modified quarantine in case if the health condition doesn’t allows travel.

WHAT TO DO IF THE TRAVELLER IS NOT VACCINATED? In the case of a traveler not being vaccinated than only the exempt travelers such as the Canadian citizens, the permanent residents, the family members and most int. students comes under the category of exempt travelers. Apart from all these there are other essential travelers that are allowed to

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

MBE BUSINESS MAGAZINE NOVEMBER 2021

CROSSWORD PUZZLE

TSK TSK - FOR SHAME

ACROSS 1 Communityspirited media spots for short 5 Lunchbox favorite, in brief 8Vasco______ (famous Portuguese explorer) 14 High school breakout? 15 Adversary 16 Book's writer 17 Karl of U.S. politics 18 Feign illness, in a way (3 wds.) 20 "Nothing ____ !" (firm rejection) 22 Bringing up the rear 23 Skip out on a scheduled event with no good excuse (2 wds.) 26 Utah national park 30 Suffix with beta orcyclo 31 Nancy's friend in old Sunday funnies 33 Moray, e.g. 36 "Smart" guy that no one likes 39 The gold in Guadalajara (dos palabras) 40 Two-word description of 18-, 23-, 51-, and 59-Across 43 Pro golfing legend with an "Army" 44 The Cougar and the Montego, briefly 45 Maui-to-Hawaii dir. 46 End of many a college dean's emaiI address (2 wds.) 48 G.P.S. output 50 Sizzling sound 51 Not bother to dress (3 wds.) 56 Reason to cram 57 Actor Martin, or his son, Charlie 59 Catch up on "General Hospital" and "Dark Shadows" (2 wds.) 65 Self-effacing "Atta boy!" rejoinder (2 wds.) 66 " _____ decent?" (2 wds.) 67 Kanga's kid 68 Dlisseldorf denial 69 Accelerated (2 wds.) 70 Addams Family cousin 71 Internal investigation at the doctor's office? Down 1 Cowpoke's chum

2 Ice cream serving utensil 3 Blacksmith's block 4 Observed in the area of (2 wds.) 5 Rank just below cpl. 6 _______constrictor 7 See-through dessert 8 Bumstead dog, and flapper Buchanan of "The Great Gatsby" 9 Bee, Em, or Jemima 10 Some racecars: Abbr. 11 Yellowfin tuna 12 Comfy footwear 13 Biblical boat 19"Mighty_______a Rose" 21 Revolved quickly and repeatedly 24 Sacred 25 Lunchtime ending, typically 26 Bantu tribesman

27 Sikorsky and Stravinsky 28 Shrek and Fiona 29 Hangman's _________ 32 Reduces, as a risk 33 "Yikes!" 34 New money on the Continent 35 Fuzzy navel ingredients? 37 The Cavs on a scoreboard 38 Bush's 2004 opponent 41 They're often little and white 42 Wherethe witches in "Macbeth" first appear 47 Exhausts (2 wds.) 49 Tourist attraction near Giza, Egypt (with "the") 52 General on Chinese menus 53 Electronic game pioneer 54 Yankees' captain Derek

See previous issue answers on page # 21

55 0pera _______ 56 ”...______ shalt not...” 58 Part of 30 Rock address: (2-part abbr.) 59 Used to be 60 Dadaist Jean 61 Golf course elevator? 62 Dancer Charisse 63 Poker prize 64 Drunkard

TRENDS THAT ARE IMPACTING THE ATM INDUSTRY IN NORTH AMERICA ESPECIALLY CANADA DMM DEPARTMENT MB Enterprises

The ATM industry trends are

tions that are both state and federal

ATM. These includes physical attacks,

monitored and administered accord-

and are impacting the future of

vandalism, and fraud-based attacks

ing to the ATM industry Association

ATMIA. Very recently, the ATM

like the use of black boxes. Also

known as ATMIA. ‘ATMIA’ is known as

Industry approached Mr. David Tente,

includes crimes such as waiting for

the ATM industry Association with its

The Executive Director of USA,

the people to withdraw money and

short form or acronym as ‘ATMIA’ and

Canada and Americas to discuss

snatching their money from hand and

is responsible for many different day

some of the trends of ATM industry.

running away. Something very

to day operations in the continent of

These are some of the few most

common in United States is a

North America, especially Canada

common trends in effect in the

growing form of physical attack in

and United States. As it is known the

provincial boundaries of North

Toronto and suburbs as well as

ATM Industry Association was known

America.

bigger cities in Canada. According to Mr. David Tente,

was initially setup as a non-profit

AN INCREASED NUMBER OF PENALTIES FOR ATM CRIMES:

trade organization with a global

The number of penalties imposed for

organization ATMIA that we continue

existence. The organization was built

ATM crimes has increased lately in

talking about the penalties in place

to service an industry that built

order to reduce & control the rate of

regards to the thefts. In crimes being

around the global growth of the ATM.

crimes and frauds related to the ATM

made at larger levels, the Federal

In this today’s modern world ranging

industry in Canada. Especially, due to

Govt. gets involved and the crimes

from retail bans to the digital

the lock downs during the COVID-19

can be a cause of bigger punish-

payments evolution and the

pandemic the number of frauds has

ments.

payments rights, there are legisla-

increased while making use of the

originally as ATM Owners Association was established in 1997 in USA. It

MBE BUSINESS MAGAZINE NOVEMBER 2021

Executive Dir. It is important for the

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

THE CASHLESS RETAIL BANS:

still considered king as 65% of the payments in Canada and

A huge reason for the cashless retail bans was due to the

USA that are under $10 are made by cash. It’s about 20.5%

most recent pandemic COVID-19. This is due to fears of

of payments from $10 to $20 that are made by cash. Howev-

most of the people, especially in the retail sector that

er, one of the best reasons for having cash in hand is that it

handling of cash can be a source of virus getting transferred

is accepted by almost all businesses. Some people also

through the touch of cash. Something that might be a myth,

carry it, as the frequency of their cards not working due to

but resulted in cashless retail bans by many in the retail

POS Technology problems is not that high but still exists.

industry. The digital payment evolution and the credit card

Even if it’s a negligible percentage, people usually keep

companies has created a ‘war on cash’ according to Mr.

some cash with them, in-case if they miss any card

David Tente. Further according to Mr. Tente if a retail

payments. You want to pay your restaurant bill quickly, while

establishment doesn’t have a cash payment option. Hence,

the restaurant network is down. The best solution is cash.

you are not only disenfranchising a big group of people, but

Thus, this trend identified by ATMIA, i.e. ATM industry

you are also taking away a payment option that is the right of

Association is indeed a trend that encourages the vital use of

consumer’s use.

ATM. Apart from its use, the frequency of ATM placements in the city that can always be a demand due to the modern

DIGITAL CURRENCY, THE FUTURE & THE ROLE OF CASH IN MODERN DAYS:

trends.

The huge part played these days by the digital currency can’t in any particular way be denied as its role has increased at surprising levels. However, some people still want to carry cash for many reasons in Canada and USA. Some of the reasons are psychological as well, while this is true mostly for old fashioned people, oldies, and business owners who like to keep cash with them. According to Mr. Tente, Cash is

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

MBE BUSINESS MAGAZINE NOVEMBER 2021

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MBE BUSINESS MAGAZINE NOVEMBER 2021

ZOONOTIC DISEASES & HOW THEY ARE LINKED WITH CLIMATE CHANGE’ DMM DEPARTMENT MB Enterprises

Climate change has been a cause of

claims heavily that approximately

10% to 13.5% in the last 10 years.

many issues and many effects of

67% of infections that are found in

This is mainly due to close contact of

climate change are well known to

humans are originated from animals.

the wildlife with the humans due to

people all over the world. Some of the

Some of the zoonotic diseases are

deforestation, shifts in land use and

major effects includes increasing the

HIV influenza, bird flu and Spanish flu

climate change. The changing

global temperatures, the rising of the

and they are caused by direct contact

climatic conditions especially in North

sea levels and shrinking glaciers.

to vertebrate animals. Others also

America and in other continents

However, there are few impacts that

includes e-bola and the latest

lesser than North America is a big

are very less known to the world, but

pandemic that is caused from

reason that has led to geographical

they hold similar importance due to

animals is COVID-19. Some of the

expansion of existing diseases.

the consequences. This is the

examples of the indirectly transmitted

expanding amount of global diseases

zoonotic diseases includes Lyme

that is caused by the climate change

disease, Zika fever and West Nile

THE RISING TEMPERATURES GLOBALLY:

and its global impacts.

Fever.

Rising temperatures can have

The Zoonotic diseases are also

Another research conducted by World

geographical range of the zoonotic

known as Zoonoses and they are

Health Organization or WHO has

diseases. Due to the increase in

infectious diseases that usually

shown that the Zoonotic diseases

temperatures the insects such as

spread from non-human animals to

have been emerging from the wildlife

mosquitoes and ticks are able to

humans. A prominent finding and

at an alarming rate. This rate of

survive in the regions that were very

research report by the United Nations

increase has significantly risen from

cold earlier. They are also able to

multiple effects that can impact the

MBE BUSINESS MAGAZINE NOVEMBER 2021

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breed, thus increasing the population resulting in an automatic increase in the number of zoonotic diseases. These are dangerous mosquitoes which are a cause of transmission of diseases that includes West Nile Fever, Yellow Fever, and Chikungunya. These are diseases that are far more active and mature much faster with warmer temperatures.

THE CHANGING RAINFALL PATTERNS: The climate change has caused the process of rainfall to be much heavier in comparison to normal. There is a huge link with local conditions that also leads to favorable conditions for the transmission of zoonotic diseases. As an example we can consider the Rift Valley Fever that happened in the continent of Africa follow periods of heavy rainfall and floods. The reason behind that is the eggs that are laid by the mosquitoes in the flood water. These are the dangerous mosquitoes that transmit rift valley fever & are a cause of changing rainfall patterns. An increase in the rainfall also leads to increased crop yields. This automatically results in more rodents as well as rodents-borne diseases that are even more dangerous and cause deaths at a much faster rate.

LYME DISEASE- ‘THE CANADIAN EXAMPLE’: The lyme disease became a common one in the province of Quebec in Canada. It is largely due to the ticks that transmit the lyme disease have substantially expanded their range from 35 to 55 Km per year. This expansion has at the same time increased the rate of human-tick contact that was lesser before. This has caused the increase in the cases of lyme diseases in humans as well as the trend is much expected to continue. This continuity in trend is dedicated largely to the expected temperature rise by an additional 2-4 Degree Celsius in the next 30 years.

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MBE BUSINESS MAGAZINE NOVEMBER 2021

HOROSCOPES

NOVEMBER 2021 SCORPIO October 23 – November 22

opportunities for you. However, seek professional help

Scorpio stands eighth in the list of twelve zodiac signs.

before taking credit/loan.

Those born between October 23 and November 22 are natives of this Zodiac sign. At the beginning of the year,

Career

Scorpios may receive a mixed response. The start might be

You may be praised by your peers. Be meticulous in your

brave, and you may even make a new resolution. Thanks to

action, and the year would be a wonderful journey. The year

Jupiter in Capricorn and Jupiter in Aquarius, you could

has several opportunities in its kitty for you. A new initiative

remain firm on your decision. The year would be relatively

may be rewarding, and you may find your career progress-

good, and you will be determined to achieve success. Read

ing in the right direction. Bringing stability may be a need by

on to know what is in store for you in 2021 regarding

exploring new avenues. Taking up an independent venture

finance, love life/marriage, career, health, and education.

may be rewarding. Aspects of Jupiter may make help you while Saturn in Capricorn may teach you how to take risks.

Finance Regarding finance, the year may give you a good opportuni-

Love Life and marriage

ty to earn from new avenues. Although the earning would be

Regarding love and relationship, the year would be

moderate, the source would be robust and long term. The

auspicious for those already in a relationship—Jupiter and

outcome can be stable and steady. The year has plenty of

Saturn will bring stability. You may be happy with your

MBE BUSINESS MAGAZINE NOVEMBER 2021

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

relationship and also experience a steady rise in social

Health

status. But for singles, the year would not be all that great.

On the health front, the year is good. Thanks to the

You may not find the person that you have been looking for.

placement of Saturn, you may boost your stamina and remain

However, in the end, you may see some light. Regarding

fit. This year you might be quite a health-conscious person.

marriage, the year is quite wonderful for natives planning to

You may take adequate steps to remain in the pink of health.

marry. If already married, then you would be happier.

Education Saturn and Jupiter may enable you to learn and apply your knowledge practically. Therefore, the learning may be encouraging and rewarding in the coming days. Students' plan to learn new skills will prove beneficial in the long run.

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MBE BUSINESS MAGAZINE NOVEMBER 2021

SYED MANSOOR ALI NAQVI

AUTOBIOGRAPHY

The Autobiography of Mr. Syed Mansoor Naqvi, The man who made it possible just with a vision and a dream in his eyes.

“As a mentor a person gets paramount importance from their

followers, but success comes from true following & demonstration of work.

MENTOR –CHAPTER 11”

“A Successful Canadian Entrepreneur”

What On Earth Is Going On? A Conversation: Part One

Background: A representative of the Unsurpassable Naviga-

DAVID RALPH MACKERETH dmackereth@canimac.com

recent Biosphere activities (looking sternly at Albert).

tion Institute, better known as U.N.I., has come for Earth’s Decamillennial Review – years ahead of schedule. This

Albert: (taken aback!) You will not find many Earthlings

Spaceling, from a galaxy ‘Far Farther Away’ goes by the

thinking about the Earth’s Biosphere, let alone for the next

name ‘Dave’ while ‘on the job’ on Earth. During this visit,

1,500 years.

Dave has taken human form (primarily because he had chatted with ants the last time, and didn’t find them particular-

Dave: Well, let’s have a quick chat, and see what secrets of

ly helpful).

the Universe you Earthlings have recently uncovered, as a baseline. But first, I want us to agree on a method to

Dave was on a career-making Universe fact-gathering

describe very large numbers that will make sense to both of

assignment when he received a ‘Warp Drive’ message from

us. Can we agree to use our ‘Number of Zeros Method’,

U.N.I.’s ‘Neutrino Headquarters’. Earth is changing at a much

instead of your limited ‘Power of Ten Method’? So 9 will

faster rate than established projections, and they wondered if

equate to your billion (1 with 9 zeros) versus your normal ‘10

he could drop in for a quick assessment! After the insult had

to the nine’. We need to do this to accommodate the

worn off, Dave immediately targets a well-educated Cambrox

numbers commonly used by us Spacelings in our normal

Professor of Philosophy of the History of Science strolling on

activities. But they will seem absolutely GIGANTIC to you.

the beach at Brighton, UK, named Albert. Albert: No problem. So when you say 42, you mean a 1 Dave: (walking up to Albert!) Hi there! I was on my way to

followed by 42 zeros.

visit some of the more popular holiday destinations in the Andromeda Galaxy to update the pertinent section of the U.N.I. Guide for Planettrotters. I’m sure you have heard,

Dave: Excellent! Let’s get to it! (Smiling, but not that

Andromeda is quickly moving towards your Milky Way, and

confidently)

will form a giant elliptical galaxy (1), after the hostile takeover! Interstellar start-ups will want to get in on the exciting

Albert: How should we start?

business opportunities that will develop. Dave: You “[…] live from day to day with the comfort-inducing Albert: (an astonished look) Well, seeing as its raining, would

falsehood that the normal state of affairs is a quiet planet,

you like to discuss this over a cup of tea?

orderly and predictable.” (2) But as your Plato (d. 348/347

Dave: No thanks, as I just ate. (Pausing, looking around)

BCE) rightly declared, “Earthly knowledge is but a shadow.”

While I was travelling, U.N.I. Neutrino Headquarters requested that, since the last U.N.I. representative was on Earth

Albert: (already feeling uncomfortable) Obviously, Spacelings

during the beginning of the Holocene Period (end of your last

operate from a different perspective than Earthlings.

Ice Age), I come to Earth to evaluate if Earth’s next Ice Age is still on schedule to begin in approximately 1,500 Earth years.

Dave: (with a slight chuckle) American astrophysicist Neil deGrasse Tyson (b. 1958) understood. “The universe is under

(1) It doesn’t look like this timing is reasonable, given your

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no obligation to make sense to you.” And, the French

MBE BUSINESS MAGAZINE NOVEMBER 2021

mathematician, Pierre-Simon, marquis de Laplace (d. 1827) had stated even earlier, “In the small number of things

Albert: Causing serious stress to the few of us who are

[Earthlings] are able to know with any certainty […] the

concerned with profound matters, far removed from

principal means of ascertaining truth are based on probabili-

day-to-day life.

ties.” Dave: Admittedly, the Earth has had an uneventful couple of Albert: (wanting to defend himself) Well! I think you can

millennia; however, “If a meteor crashed into [Earth], […] it

agree “The [Earthling] mind has evolved over the past few

would be catastrophic for the tiny creatures [pointing at

million years to look for patterns.” (3) And, (with one hand on

Albert] crawling about the planet’s surface, but just another

his heart, the other gesturing at the ‘heavens’) “Philosophy is

day at the office for nature.” (2)

written in that great book ever lies before our eyes […] This

(After talking for a few hours Dave and Albert get around to

book [the universe] is written in mathematical language and

the topic of the Earthling brain)

its characters are triangles, circles and other geometrical figures.” To quote Galileo (d. 1642) – a great Earthling!

Albert: My “[…] brain contains around 85 billion individual neurons which is of the same order as the number of stars in

Dave: “This universe is not hostile, nor yet is it friendly. It is

an average galaxy.” (6) This must be significant. (Trying to

simply indifferent.” One of your pioneers of electric lighting,

remember, what was that bit about the zeros again?)

John H. Holmes, said that in 1932. Earthlings have been very slow in their interpretation of their ‘Real World’: “Well, religion

Dave: The insightful Isaac Asimov (d. 1992) determined,

was [your] first (and worst) attempt to make sense of reality.

“Intelligence is an accident of evolution and not necessarily

It was the best the species could do [with] no concept of

an advantage.” Visionary Arthur C. Clarke (d. 2008) further

physics, chemistry, biology or medicine.” (4)

commented, “It has [yet] to be proven that [Earthling] intelligence has any survival value.” This is supported by

Albert: (dismissively) I gather that is the reason for the

Economics Nobel laureate Daniel Kahneman (b. 1934),

approximately 4,500 (and growing) religions practiced by

saying Earthlings “[…] have inherited the neural mechanisms

Earthlings, all being the ONE!

that evolved to provide ongoing assessments of threat level, and they have not been turned off.” “More than 99.9 percent

Dave: My friend, Carl Sagan (d. 1996), spent a great deal of

of the time [your] brain was evolving, however, [you] had no

time and energy attempting to plot Earthling evolution, with

writing and no numbers.” (3) “[You’ve] been land animals for

excellent success: “Two billion years ago, [your] ancestors

about [4 with 8 zeros Earth] years, and [you’ve] walked on

were microbes; a half-billion years ago, fish; a hundred million

your hind legs for only about 1 percent of that time.” (7) In our

years ago, something like mice; ten million years ago,

opinion, your “[…} mental development has been a history of

arboreal apes; and a million years ago, proto-humans

removing [your] mind farther and farther away from the reality

puzzling [your] the taming of fire. [Your] evolutionary lineage

of the world [you] live in.” (8)

is marked by mastery of change. [And] the pace is quickening.”

Albert: It appears to me, “The design of [my] brain although not apparently differing in principle from the brains of other

Albert: (gaining confidence) We also understand, “The

animals, is specially suited to the establishment of a super-

[Earth’s] current extinction rate, […] is estimated to be

structure. […] as atoms build themselves into material

between ten and 1,000 times the average rate experienced

substances so knowledge is a structure built out of ourselves

over the past half-billion years.” (3) (Already forgetting about

as the units. […] a structure is something more than the units

the earlier talk on the number of zeros)

out of which it is built.” (9)

Dave: You have to agree that, “A typical [Earth] mammalian species lasts around a [1 with 6 zeros] years and it’s hard to insist that [Earthlings] will be an exception.” (5) We thought Earthling Jacques Monod (d. 1976), a French biochemist, adequately captured it: “Evolution in the [Earth’s] biosphere is therefore a necessarily irreversible process defining a direction in time; a direction which is the same as that enjoined by the law of increasing entropy.”

MBE BUSINESS MAGAZINE NOVEMBER 2021

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Bringing “Microbility” To The Big Streets Of Toronto JACOB LORINC Magna founder eyes city as testing spot for tiny electric commuter vehicles

company, they would retail for roughly

Toronto’s city council recently

$5000 each.

approved a plan to turn the sprawling

One of the biggest names in Canadi-

The company is marketing the SARIT

innovation zone” to test emerging

an auto-manufacturing wants to bring

to Ontario municipalities as a form of

technologies like driverless vehicles,

one of the smallest vehicles to

local travel for commuters. “Its main

smart traffic signals and sensors,

Toronto.

purpose is to bring you from home to

new paving materials or strategies to

your workplace and back home,”

improve pedestrian safety.

192 acre site into a “transportation

Billionaire businessman Frank

Stronach sai. Recent lobbying

Stronach, founder of automotive

records show that Stronach met with

A city report offered that the grounds

parts company Magna international,

the city to discuss using Exhibition

semiclosed off, low traffic environ-

says he wants the city to be a testing

Place grounds as a pilot site for the

ment with eight kilometres of roads

ground for one of his latest products,

vehicles.

and 30 intersections is “an ideal place” to create a testing zone that

a tiny vehicle called the SARIT (Safe, Affordable, Reliable, and Innovative

Stronach logged meetings with

would help the city “learn about and

Transit).

Exhibition Place CEO Mark Grimes

facilitate the local development of

who chairs the Exhibition Place

emerging transportation technolo-

The three wheeled “micromobility”

Board of Governors early in August to

gies.”

car, which can fit one or two people,

“create a pilot project with the City

spans 3.5 feet wide and 7.5 feet long.

whereby the vehicle could be driven

Stronach has also announced plans

Four of them can be crammed into

on the streets.”

to launch a pilot in Peterborough,

one parking space. According to the

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where city council recently asked

MBE BUSINESS MAGAZINE NOVEMBER 2021

Ontario’s Ministry of Transportation to be the first city

In principal, these cars are supposed to be greener. But how

considered to test the vehicles.

are they built? And what is the operational life span? Can they be recycled?

The company says the vehicles would reduce greenhouse gases, alleviate traffic jams and create a more efficient use of

A debate over the vehicles at Peterborough’s city council,

parking space.

could shed light on how Toronto councilors might view the prospect of a pilot project.

Research has found that driving in large cities waste an estimated two to four hours stuck in traffic on a daily basis, a

Councilor Kim Zippel said it’s unclear what impacts the

habit that increases stress, reduces quality of life and causes

SARIT would have on transit and the environment.

greater exposure to vehicle exhaust fumes.

“Not everything that plugs in is good for the planet,” she said, adding there’s questions about potential waste and energy

Stronach said he was inspired to create the micro-vehicle

consumption she wants answered.

after a commute in downtown Toronto. “The traffic jams were enormous. And when I looked around at the other cars,

Councilor Lesley Parnell said she wanted to know about the

almost all of them had just one person in the vehicle,” he

licensing and insurance requirements for the vehicles, and

said. It’s an enormous waste of time and an enormous waste

wants a commitment from magna to cover the city’s liability

of greenhouse gases.

insurance.

As with most micromobility products, experts say the

The council ultimately voted to move ahead with the pilot

success of the product depends on how it’s manufactured

project.

and regulated. “It’s another mode of transportation that will reduce so many “There are lots of issues to be looked at when introducing

people in bigger cars,” Parnell said.

these kinds of technologies. Where are they allowed to operate on the roads? In the bike lanes? How do you make them safe?

MBE BUSINESS MAGAZINE NOVEMBER 2021

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SKIP THE DISHES SKIPS THE STORES WITH TRIAL OF NEW GROCERY MODEL TARA DESCHAMPS New offering focuses on selling food, home goods directly to customers

The Winnipeg based company said it

Bros. frozen pizza, La Pampa frozen

pursued the model because it saw

empanadas and Pic-a-Pop sodas for

demand for convenience and grocery

customers in Winnipeg and Forrat’s

SkipTheDishes is testing a new

orders increase by 900% over the

chocolate bars, Picard’s peanuts and

business model to help it sell

past year as people stayed home to

Booch’s organic kombucha in

household goods and groceries

quell the spread of COVID-19.

London.

directly to customers.

Skip Express Lane wants to keep serving and expanding that demand

The service promises to deliver all

The delivery services’ new offering

by offering more than 1500 items like

orders within 25 minutes and

called Skip Express Lane has two

frozen food, soft drinks, meat,

operates daily from 11 am to 2 am

locations that operate like a ghost

cereals, pet items, gum and cookies.

with delivery fees starting at $1.99 or

kitchen, where sales are made solely

It will also stock more unconventional

free for those making purchases over

through an app and walk in custom-

products like baking ingredients,

$25.00.

ers are not accepted.

office and party supplies and

Skip Express Lane locations in

personal care items including

Vince Sgabellone, an industry analyst

Winnipeg and London, Ont. Are run

laxatives, condoms and pregnancy

for the NPD Group’s Canadian food

completely by SkipTheDishes and

tests.

service business, sees the Skip Express Lane concept as part of

focus on household items, snacks, groceries and local delicacies instead

For those who have adopted a

quickly evolving corner in the food

of hot meals.

penchant for shopping local during

delivery market. The pandemic, he

the pandemic, there are also Spenst

said, hastened the proliferation of

MBE BUSINESS MAGAZINE NOVEMBER 2021

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grocery and convenience stores on delivery platforms and

“It’s a very competitive space right now and it’ll be hard for

even restaurants selling items shoppers typically find at a

SkipTheDishes to differentiate themselves,” noting many of

supermarket.

the goods Skip Express Lanes sell are available at convenience or grocery stores.

He thinks Skip Express Lane stores are just another example of how “the lines are definitely blurring” between food service

However consumers want more than product selection these

models because of the health crisis and evolving consumer

days.

demands. “The consumer is looking for what they want, when they want But it’s not an easy space to operate in, he said.

it and delivered to their door at a reasonable price,” he said.

SkipTheDishes already hosts sellers including convenience stores owned by Petro-Canada and Shell, along with 7-Eleven. Rival Uber Technologies Inc. has a series of housewares and grocery purveyors including Rexall, Walmart, Costco, Canadian Tire and Metro.

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MBE BUSINESS MAGAZINE NOVEMBER 2021

Make your Millennial Self into a Superstar MATT ROWE Entrepreneur.com As millennial, we’ve been able to

What habits and strengths does that

first step in becoming the best

witness some amazing inventions

person have? What type of person

version of yourself.

and people when we were growing

are they? And most importantly, how

up. It’s incredible to watch the Steve

did they get to where they are now?

Whatever you set your goals to be,

Jobs of the world do the amazing

You can ask yourself these questions

it’s time to really get serious about

things they do. However, sometimes

in terms of academics, professional

them. Getting serious about a plan

we think to ourselves, “Wow. Could I

life, or even sports.

doesn’t mean that you have to throw

do something like that?” Many

away your social life or other things

Millennial want to be the next

You may not know precisely what you

you enjoy, it just means that you have

prominent leaders in tech, sports, or

want to do in your future, and that’s

to invest more high-quality time in

other industries. This article will dive

totally okay. However, if you’re at that

yourself.

into how you can make your millenni-

point, be sure to get serious about

al self into a millennial superstar.

understanding yourself and your

For university students, this may be

passions. What are you good at?

developing better study habits and

Get serious about your goals

What do you enjoy doing? Is there a

time management skills. For those

The best time to think about your

career out there for you that you

just starting their career, this may be

goals and future is today. So sit down

would love?

understanding the ins and outs of

and really think about the person you

their career and seeking the correc-

want to be in 6 months, a year, or ten

Asking yourself these questions and

tions needed to get there.

years?

taking time to process them will help

Even for athletes, this means

you understand yourself. That’s the

spending more time in the gym than

MBE BUSINESS MAGAZINE NOVEMBER 2021

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anyone else. It doesn’t matter what stage of life you’re in the

of MIT, wakes up around 5-5:30 in the morning.

earlier you start on your goal setting, the better off you’ll be in the future.

While you don’t have to wake up before the sun wakes up, starting your day earlier gives you more time to be produc-

Set smart goals and remind yourself of them on a daily basis.

tive. Think about it, if you’re waking up at 10 am every day

Seek to prove to yourself that you can be the person you

and getting to study or work around noon, you’re missing so

want to be.

much time to do more.

What does work ethic look like?

If you were to wake up at seven or eight am start working or

Once you have your goals set or are just thinking about

studying at nine or 10, you have more hours to get more

them, it’s time to get to work. Learning a good work ethic can

done. So while there are some night owls out there, studies

be difficult and looks different for everyone, but it is well

show that going to bed early and waking up early have more

worth the investment.

beneficial effects.

My work ethic starts right when I wake up. I go exercise at

If you’re productive at night, keep going and keep working!

the gym every morning right when I wake up. A workout

However, sleeping one hour before midnight is worth two

gives me the energy I need throughout the day to keep

hours of sleep after midnight. More scientific studies are

moving and keep motivated. I used to struggle to get out of a

showing that early to bed early to rise is better for health and

warm bed early in the morning, but I used a 1-2-3 blast-off

productivity. In addition, the correct amount of sleep and

idea to get me off of those warm sheets.

healthy sleep patterns help you deal better with negativity, reduces stress, and makes you happier overall.

A simple 1-2-3 countdown in my head forces me to get up and get moving as soon as the alarm goes off. Another idea

The most challenging thing about this is many people love

is to put your alarm across the room, so you have to get out

sleeping in — myself being one of them. There’s nothing

of bed.

wrong with sleeping in on a Sunday morning, but be sure to get a solid sleep schedule going. Some science says that

Once my workout is done, and I’m ready for the day, I head

you should keep the same schedule on the weekends for

to an environment where I can be productive. Typically, to get

better productivity levels and best body health.

my best productivity mean heading to the office or a local library. But, unfortunately, it’s isn’t easy to get work done in

Some may need to wake up at five am, while others may be

my kitchen or living room.

seven am or eight am. On weekdays or workdays, start your day at the exact same time, and have a solid nighttime

Once I’m in the right place, the work really starts happening.

routine. Eventually, your body will adjust, so you won’t even

First, I make an outline of my day and what I need to get

need an alarm.

done. Work ethic to me is working until the job is finished, not work until I’m tired. Real productivity means pacing yourself and avoiding burnout essentially working smarter, not harder.

Conclusion

Work ethic is about consistency and dedication. Set goals to

If you really want to make your millennial self into a millennial

work on a project daily for a set amount of time. It may be a

superstar, you’ll need to get serious about your goals and

grind, and it won’t be easy, but it’ll push you towards the

development and apply a solid work ethic. Begin your plan by

future you really want.

upping your start of the day by waking up earlier. Having these in the back of your mind will push you further in

Wake up early

life and make you into the person you want to be.

Waking up early is something you’ll see in many CEOs and great business leaders. For example, Tim Cook, the CEO of Apple, wakes up at 3:45 am every day. Rafael Reif, President

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

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Canada Ranks 3rd Globally as a Key Attraction for Foreign Students DIGITAL MEDIA MARKETING MB Enterprises Canada is a country that has moved

that are a common faculty for

country’s strong education quality.

up in the ranks to 3rd position as an

students in Canada.

This is apart from having a huge

attraction for foreign students. This is

reputation as a multicultural, multilin-

WHY CANADA IS AN ATTRACTION FOR FOREIGN STUDENTS?

gual and a tolerant society. It is also

according to the latest figures with United Kingdom moving to fourth

Canada is an attraction for foreign

reported that they are highly interest-

spot after Canada replaces U.K. in

students as it is a hub of international

ed in becoming permanent residents

the list. International students are

studies and universities offering a

of Canada after the completion of

arriving in Canada with the favorite

wide variety of subjects in different

their studies. This is significantly as

province being Ontario with a huge

areas. These areas includes

people coming to Canada are highly

50% of the population of students

Research, IT & Computing, Finance

attracted to the lifestyle of Canadians

coming to Canada are arriving in

& Commerce, Arts & Languages,

along with inspirational values

Ontario for international education.

History and many other different

attached to Canada’s culture and its

The country is third in the list with a

areas of studies for international

economic values. They offer people

huge 650,000 foreign students in

students.

with competitive packages that also

next to United States and Australia

Canada.

reported that 66% of the people have

allows them to work while they study, According to CBIE, i.e. Canadian

i.e. multitasking and being a hard

This is with special thanks to the

Bureau for International Education,

worker before they struggle to

universities in Canada that it is a land

research has shown that international

become Canadian citizens.

of opportunities for people in areas of

students choose the option of

medicine, research and other sectors

studying in Canada due to the

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

MBE BUSINESS MAGAZINE NOVEMBER 2021

Another major consideration is that international students

ic, the rate of recovery of the job markets in Canada are

pay higher fees than students coming to Canada. Therefore,

found to be more rapid in pace. Thus, the credit goes to

their overall expenses are far lower than the likes of USA,

international students coming to Canada despite COVID-19,

Australia, and UK where the cost of living is too high. This is

under strict regulatory measures.

a major reason of Canada being an attraction on the third place, as people can earn higher while studying. Another

People looking for sustainability options are more inclined to

major reason is that Canadian dollar is weaker as compared

find a good course in a reputed Canadian university, before

to British pounds, US Dollars and Euros, and thus it is

moving on to complete the rest of their immigration process.

comparatively cheaper in value. Having said that, it is still in

In the meanwhile, a related job in their field of study is an

the list of top ten currencies being on Number Ten showing

added bonus in their sustainability program. All the credit

the potential that the Canadian dollar possesses to rise in

goes to study in Canada which is always available with far

ranks in upcoming years.

more flexible options every year. Finally, moving Canada high up the ranks to the third position in the list of most wanted

THE RISE IN INT. STUDENTS HAVE BEEN A CAUSE OF RISE IN JOB EMPLOYMENT:

countries for foreign students. Something, which Canada will always be proud of in the upcoming years.

A rise in international students has been a major cause of an increase in the rate of employment in Canada. This is precisely as the job markets have become more stable and more job opportunities have been created in various sectors. A Govt. research estimates that the international students contribute to some $23.5 billion annually towards the country’s economy. This has automatically helped to sustain over 180,000 jobs, thus increasing the job sustainability levels to far greater values. Even in the times of the pandem-

MBE BUSINESS MAGAZINE NOVEMBER 2021

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MBE BUSINESS MAGAZINE NOVEMBER 2021

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 | Customer Service | Human Resources

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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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

MBE BUSINESS MAGAZINE NOVEMBER 2021

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INTEGRATED TALECH

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What Is Dementia & How It Impacts The Canadians In Current Times? DIGITAL MEDIA MARKETING MB Enterprises Dementia, a very common mental

are frontotemporal dementia and

track of their belongings, people

health problem is also a common

Lewy body dementia.

becoming in-organized and disorient-

mental health issue witnessed these

ed and finally forgetting daily routine

days in Canada. Many people are

Bringing an interference in the daily

like forgetting to pay off bills. In

witnessing the problem especially

activities, the common symptoms of

women, the most common issues

common in people over the age of 60

dementia includes memory loss or

that rise in people with dementia are

and especially people getting aged at

amnesia, common judgmental and

having difficulties planning and

an early age. ‘Dementia’, the mental

reasoning issues, having changes in

cooking meals like before. Taking

health problem refers to a set of

communication abilities, changes in

care of the right ingredients and

symptoms and signs that are

behaviors and moods, and finally

content if they have been more into

associated with a highly progressive

altered visual perception. These

cooking.

deterioration of the cognitive

symptoms are witnessed commonly

functions that affects the daily

in people who are 60+ and also very

In Canada, the disease is common

activities. Most commonly caused by

common in people after their

almost all over the entire country

various brain diseases and injuries. In

retirement from service. In Canada,

irrespective of any provincial bounda-

Europe and North America according

the people witnessing an old age are

ries.

to a neural medical research Alzheim-

the common victims of memory loss

er’s disease is a very common cause

i.e. amnesia and Alzheimer’s disease

of dementia as well as vascular

leading to dementia. A common

HOW DEMENTIA EFFECTS CANADIANS?

dementia. Other common types of

example of having problems in daily

Dementia is a disease that became

dementia including vascular dementia

activities includes people keeping

common in Canadian citizens since

MBE BUSINESS MAGAZINE NOVEMBER 2021

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

2000 from the age of 65-69, especially in people having

It differs from male to female in Canada as the statistics for

some neural issues. According to a research stats from

‘Prevalence’ and ‘Incidence’ differs in other countries. In

PHAC or Public Health Agency of Canada it grew from 2002

Europe, the stats are completely different as rate of increase

to 2013 at a far higher rate than normal, i.e. 5.3% to 7.7%. A

of dementia is found to be more in male people as compared

surprisingly high increase of 2.4 % in just 11 years. These

to the female population.

are stats just for women in Canada, however, for the men, the rate is a bit lesser in terms of the increase in percentag-

According to PHAC or Public Health Agency of Canada, by

es. Its 4.4% to 6.1% i.e. 1.7% increase in 11 years. These

the year 2031 the costs that are incurred on dementia will be

stats differs demographically as compared from United

double to the figures that it was two decades earlier, i.e. from

States and some of the European nations that includes U.K,

$8 billion to $16 billion in Canada alone.

Germany and Italy.

PREVALENCE & INCIDENCE DIFFERING IN MALE & FEMALE? However, interestingly Canadians with dementia now live longer as compared to 20 or 30 years from today, mainly due to the medical treatments and remedies that are available to dementia patients. A technologically enriched medical system in Canada makes sure dementia doesn’t become the cause of death of most patients. For a disease the term ‘Prevalence’ is commonly used and is known as the proportion of people in a population who have a disease at a specified point in time. ‘Incidence’ is the term used for the occurrence of new cases of a disease in at-risk population over a specified period of time.

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MBE BUSINESS MAGAZINE NOVEMBER 2021

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104-100 Dynamic Drive, Toronto, ON M1V 5C4 1-866-204-6888

1-855-669-6227 info@rmacanada.com

Email: info@mbeforyou.com Website: www.mbeforyou.com

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MBE BUSINESS MAGAZINE NOVEMBER 2021

Tel: 1-866-677-1377 | Fax: 1-866-204-6888 E-mail: info@mbeforyou.com

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