MERRY CHRISTMAS AND HAPPY NEW YEAR - MBE BUSINESS MAGAZINE by MBE BUSINESS MAGAZINE

ISSUE 72 | December 2021

INTERVIEW

Louie Carnevale President - Northern Financial Group Pg 15

TORSTAR,

GOOGLE SIGN NEWS DEAL Pg. 40

THIS MONTH FOCUSING ON Reasons Why You Should Choose Canada

New Year’s Eve In Canada & How It Is Celebrated Traditionally

Environmental Benefits Of Planting Trees

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CONTENTS

Important Knowledge about

Why See The World Through Facebook

What On Earth Is Going On?

Life, Disability, Mortgage, Travel, Critical Insurance

Your Day & Align Your Day-to-day Tasks?

Why You Need A Professional Accountant For Filing A PTR

Factors Affecting Customer Satisfaction & Values Attached For Customers

The Most Vital Steps

Canada’s Top Women Entrepreneurs

Torstar,

Boxing Day Observance & Celebrations In

How Well Can You Discipline

Towards Conflict Management

New Jobs Takes Canada’s Economy Back Above The Pre-pandemic Levels

Interview

How Branding Effects

Event Calendar

A Conversation: Part Two

& The Role Of Women In Canada

Google Sign News Deal

Canada’ – ‘26th December

with Louie Carnevale

The Buying Behaviour In The Retail Industry?

December 2021

CHRISTMAS DAY IN CANADA

Electric Vehicles: The Future of Automotive And Competitive Innovation

Reasons Why You Should Choose Canada As Your Top Study Destination

EDITOR'S LETTER Dear Readers, Our December issue is here with our 72nd edition of the MBE Business Magazine. The Canadian winter lasts from mid-December to mid-March. It is a great time to enjoy exciting winter activities like snowmobiling and cross country and downhill skiing. The holiday season (December 20 to January 3) is a very busy time of year because of all the Christmas and New Year's festivities. This edition of the MBE Business Magazine offers an assortment of articles including "how well can you discipline your day & align your day today tasks by Mr. Mansoor Naqvi; Why You Need A Professional Accountant For Filing A PTR by Mr. Mahmood Naqvi; The Most Vital Steps Towards Conflict Management by Mr. Alamdar Hussain; In this issue, we have an interview with Mr. Louie Carnevale, President of Northern Financial Group. After initially playing professional hockey in Europe, he then returned and is now a successful entrepreneur as the CEO of Northern Financial group for the last 31 years. 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

How well can you discipline your day & align your Day-To-Day Tasks?

SYED MANSOOR NAQVI PRESIDENT MBE

Following your commitments and spending a disciplined day

your tasks or your project in-hand, however, the best thing is

are the key things to follow in your corporate life. Your day to day tasks must be aligned in your mind as well as on paper,

the finishing touches that must satisfy the concerned people.

in order to plan your targets properly. You should evaluate

means you know how to trace the footsteps of your work. You

with your intelligence how much time you should be

seem to be more self-guided than anyone else, if you have an

spending on your tasks and what are the resources and links

idea of how well you can trace your work.

The quality assurance you have met to complete your tasks

you need for your task to take place smoothly. Your prime objective mustn’t be just to complete the tasks, but also to

HANDLING PENDING TASKS IN PIPELINE:

make sure that the tasks objectives are attained. Apart from

There has to be a genuine reason as to why a task is pending

this, the quality of the project or task is par your satisfaction

for tomorrow or next week for instance. A justified reason

levels. Ironically, in simple words you have attained all the

should always be supported with proper evidence that

prime objectives of your tasks that are top priority in your

should be good enough for future referencing. Handling the

mind.

tasks in the pipeline is something mandatory in the corporate world. Business and corporate world is all about results that

START MAKING PRIORITIES:

are seen positively if you know the best handling of a

One of the key business strategy apart from achieving your

situation or a pending task.

tasks strategically is through making priorities. Prioritize your work while you align your objectives to have discipline while

Little issues can become bigger ones if they are ignored,

you attain your tasks. Discipline is the key to success as it

especially in the initial stages. However, some genuine

trains your mind to question yourself as to “Why are you

reasons can break the tempo of a certain task, but it must be

lagging behind?" Discipline helps and ignites in you a

carried forward with due commitment necessary to finally

question that you have to ask yourself and develops in you a

complete it. It’s the vision that holds the key, especially for people

habit of frequently questioning yourself.

who have 100% commitments with their work. ‘Task Pending’ is actually a situation which most managers absolutely hate,

HOW WELL CAN YOU TRACE YOUR WORK?

however, they can’t ignore it. Key reason being the amount of

Tracing your work with an aligned strategy means business

penalties that are associated with the mishandling of a task or

and growth for your company. It’s not just about completing

a situation.

MBE BUSINESS MAGAZINE DECEMBER 2021

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

WORK IN PROGRESS: WORK IN PROGRESS:

Alternatively, Alternatively, the Do’s are the the things Do’s are that the needs things tothat be needs to be

achieved withachieved strict discipline, with strict timing discipline, and perfect timingfinishing and perfect of finishing o Work In-Progress WorkisIn-Progress a common is term a common that is most termcommonly that is most commonly your tasks. Prioritize your tasks. yourPrioritize Do’s more your intellectually Do’s more and intellectually and used in the construction used in the industry. construction Whyindustry. Work in-Progress Why Workholds in-Progress holds have a better to have understanding a better understanding of your tasks of in your tasks in high level values highfor level engineers values for or engineers for people or related for people to therelated to thepractically to practically terms of the deliverables. terms of the deliverables. project is mainly project dueistomainly the commitments due to the commitments they need showing they need showing

until the workuntil is inthe progress. Work isSuccess in progress. is always Success achieved is always achieved Successachieved is ultimately if you achieved can acknowledge if you can acknowledge your you once your work once in-progress your worktransforms in-progress towards transforms the next towards the next Success is ultimately work responsibility with sheer responsibility on same day on or you same have dayaor you have a stage, i.e. work stage, completed. i.e. Work It’s completed. the transition It’sphase the transition that phase that work with sheer validitreason is still pending? why it is still pending? needs high level needs commitments high level commitments & monitoring & according monitoring to the according tovalid the reason why length of the length project.of the project.

KNOW YOUR KNOW DO’s &YOUR DON'Ts: DO’s & DONT’s: Success can Success become a can habit, become naturally a habit, if you naturally know your if you do’s know your do’s and your don’ts. andThese your don’ts. are theThese two primary are thethings two primary that help things that help you completeyou yourcomplete tasks asyour you tasks planned as or youonplanned the same or on date. the same date. The Don’ts simply The Don’ts meanssimply what are means the what key things are the that key you things that you need to stay away need from to stay which awaycan from easily which cause can easily a hindrance causeina hindrance in your tasks. This your simply tasks.means This simply thingsmeans that can things hurt that the task can hurt in the task in short-term orshort-term long-term, or forlong-term, e.g. conflicts for arising e.g. Conflicts due toarising due to miss-communication. miss-communication. Hence, the best Hence, way the is tobest create way is to create satisfactory and satisfactory transparent andcommunication transparent communication lines with all the lines with all the concerned stakeholders. concerned stakeholders.

MBE BUSINESS MAGAZINE DECEMBER 2021

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

Why You Need A Professional Accountant For Filing A PTR (Personal Tax Return) SYED MAHMOOD NAQVI Vice President | MB Enterprises

need or necessity The need of or anecessity professionof a professionALWAYS FOCUS ALWAYS ON THE FOCUS BIG ON THE BIG

ccountantalfor accountant the filing offorPTR the is filing of a PTR is PICTURE:

PICTURE:

with any unpredictable with any unpredictable situation and situation and come up withcome the best up with advice thewhen best advice when

ays a bonus always in thea long bonus run in of thethe long run of Focusing the needed. on the Focusing big picture on the in big accountpicture in account-

needed.

iness & itsbusiness sustainable & itsdevelopsustainable developancy and financial ancy and accountancy financial accountancy are are nts. It has ments. many long It has term many benefits long term benefits or Personal a PTRTax withReturn a professional the main benefits the main associated benefitswhile associated whileFiling a PTR Filing

ociated asassociated a professional as a accountprofessional accountaccountancy accountancy firm, also firm,means you taking services taking of a services Professional of a Professional with a professional

y firm notancy only helps firm not in only the filing helpsofin the filing of also means you know know when when youyou have have to file Accountancy Accountancy firm, for example firm,MBE for example MBE

R, but alsoafocuses PTR, but onalso many focuses other on many Accounting. other othersuch taxesassuch a CTR, as ai.e. CTR, i.e. IfAccounting. you need toIfregister you need a to registertoafile other taxes

aspects. The key aspects. focus is not Theonly focus onis not onlycorporation, on Corporate TaxCorporate Return orTax other Return or other dealings corporation, related dealings to CRA, related to CRA, refunds, but theitrefunds, should always but it should be always be necessary tax necessary payments. tax Never payments. miss aNever miss a i.e. Canada Revenue i.e. Canada Agency Revenue or in Agency or in

e pivotal for more thepivotal big picture. for theThese big picture. These taxyour payment accountancy as your accountancy pursuit of making pursuit a business of makingplan a business and plantax andpayment as aspects are keythe aspects related arethings the related that thingswant that to evaluate records should records be in safe should hands be inand safe hands and wantyour to evaluate budget, your obviousbudget, obvious-

only are anot focal only point are for a focal the point for the ly a professional well managedwell for managed a sustainable for a&sustainable safe & safe ly a accountant professionalisaccountant always is always mpany to analyze company their to analyze accountancy their accountancy business growth. business growth. a key man forayour key person company. forHe your notcompany.

ords, but also records, allowbut them alsotoallow win inthem to win in knows ups only They andnot downs only know of a the ups and downs

longer run. the longer run. W W W. M B E F O RYOU. C O M

certain investment, of a certain but can investment, also deal but can also deal MBE BUSINESS MAGAZINE DECEMBER 2021

time that yourtime investment that yourwill investment payback will payback WHY FINANCIAL WHYPLANNING FINANCIAL PLANNING YOUR BUSY WORK YOUR BUSY SCHEDULE WORK SCHEDULES in terms of the in profit terms earning of the profit scenario. earning scenariMATTERS FOR MATTERS FUTUREFOR DECISION FUTURE DECISION DOESN'T BOTHER DOESN’T YOU:BOTHER YOU: A professional os. accountancy A professional firmaccountancy is firm Youisare a busy You worker are a or busy a business worker or a busines MAKING? MAKING?

always good always in determining good inthe determining key the key As the company As the grows, company the financial is growing big, the owner who isowner less aware who isofless the aware of the associated factorswith associated an investment. with an investment. planing matters financial a lot as planning it means matters that a lot asfactors it taxation matters. taxation Taking matters. the services Taking the service

This is independent of the fact that ofthe the fact thatofthe you are moremeans worriedthat about youyour are more worried This of is independent an accountancy of an accountancy firm for the filing firmoffor the filing investment isinvestment a risk-free one is a risk-free or not. one or not. finances ten months your finances from today. ten months from today. a PTR shouldn’t a PTR bother shouldn’t your busy bother your busy This means you Thistomeans stay safe youwell to stay in safe well in

work patterns. work In short, patterns. you In know short, your you know y

FILING YOURFILING TAX RETURNS YOUR TAX ONRETURNS ON book keepingbook advance. Youadvance. are the master You areofthe your master of your is in keeping safe hands is inand safe hands and

TIME- ‘PROPER TIMETAX‘PROPER MANAGEMENT’: TAX MANAGEMENT’: own situation,own especially situation, while especially your while your well managedwell according managed to the according to the If you are a smart Do keep earner filing and your a smart tax returns on business is inbusiness the growing is inup thestages growing up stages timeliness needed. timeliness The needed. most imporThe most impor business man, keep filingare your tax earner and time, if you a smart a thing in book and you needand to invest you need more tothoughtfully do investment more tant tant thing keeping in book is thekeeping time is the tim returns on time. Avoid the interest smart business man. Avoid the in diversified thoughtfully markets. in diversified markets. factor that determines factor thathow determines well a how well a penalties thatamount keep rising if your tax of penalties that keep rising if company knows company their financial knows their matters financial matt returns are due or you are facing your tax returns are due or you are A proper understanding A proper understanding of the risk and of the risk and for future decision for future making. decision making. accrued payments needs to be facing that accrued payments that needs the returns through the returns accounting throughratios accounting ratios paid. Pendingtopayments can evenpayments can be paid. Pending and derivatives andmeans derivatives your calculameans your calculahurt your financial plans apart from plans apart even hurt your financial tions are measured tions are and measured in safe hands. and in safe hands. hurting your budget which is not good which is not from hurting your budget Your professional Your accountancy professional accountancy firm or firm or in the long term. good indeed in the long term. a personal accountant a personalalways accountant makesalways makes sure that the sure risks that you the takerisks are you take are Your accountant Youroraccountant a professional or a professional calculated enough calculated for future enough sustainafor future sustainaaccountancy accountancy firm can be offirm great canhelp be of great help ble developments. ble developments. in sending you in asending reminder youoraresolving reminder or resolving issues. taxation It's a relationship issues. A relationship Payback period Payback is an accounting period is an accounting your taxation your that really helps business, thatareally helpsespecially a business, especially calculation that calculation is needed that foristhe needed risk for the risk when the business when the is inbusiness its initial is in its initial calculations of calculations a certain investment. of a certain investment. stages. stages. This primarilyThis means primarily the term means or the the term or the

MBE BUSINESS MAGAZINE DECEMBER 2021

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

The Most Vital Steps Towards Conflict Management SYED ALAMDAR HUSSAIN Country Head - MB Enterprises

nflict management’, ‘Conflict management’, a huge a huge

holds mosttrue wanted and most values wanted of values of managementmanagement process and can process be and can beholds true and

essity of today’s necessity corporate of today’s culture corporate culture change a necessity that areofa an necessity of an broken down broken into ‘Good down conflict into ‘Good conflict change that are vitality. Itsissignificance a vitality. Itsissignificance attached is attached exemplary most ideal and work most ideal work management’management’ and ‘Poor conflict and ‘Poor conflict exemplary and

alues thattorelates valuestothat tolerance relatesat to tolerance management’. at culture. Conflicts culture. mustConflicts always be must always be management’. Learning howLearning to handlehow to handle

workplacethe asworkplace well as standards as well as standards disputes efficiently disputes is indeed efficiently a is indeed a

managed tactfully managed arising tactfully between arising between

ntained atmaintained the work environment. at the work environment. colleagues ascolleagues well as between as well as between necessary skill necessary for the management skill for the management

er key areas Other includes key areas howincludes to stick how to stick managers/supervisors managers/supervisors and the teamand the team and necessary and to necessary resolve things to resolve with a things with a

alues of work to values culture. of work culture.

members. the transparency It shows the transparency defined strategy defined and set strategy of proceand set of proce-members. It shows dures known dures as SOP’s. known as SOP’s.

role of management The role of management in this in this

and values ofand discipline valuesthat of discipline are that are merged with a merged decentwith or good a decent or good

A NECESSITYAOF NECESSITY THE MODERN OF THE WORK MODERN WORK ards is indeed regards a huge is indeed step towards a huge step towards workplace. Hence, workplace. an environment Hence, an environment

olving issues resolving with strategy, issues with strategy,

ENVIRONMENT: ENVIRONMENT:

holds key values holds ofkey change values forof the change for the

Part and parcel Part ofand the parcel norms of and the norms and staff members mmitment and commitment discipline. and Managing discipline. Managing staff andmembers the colleagues. and the colleagues.

ofprocedures the Humanofresource the Human resource flicts needs conflicts a thought needs process a thought that processprocedures that Here are some Here of the aresteps someinto of the which steps into which

department the necessities includes the necessities ll be key in shall demonstrating be key in demonstrating true truedepartment includes conflict management conflict management process is process is

and key guidelines and key of guidelines a specific work of a specific work ues of change. values Resolving of change. conflicts Resolving conflicts divided for a better dividedunderstanding. for a better understanding. Conflict management Conflict management valuable is part a valuable of the change part of the change environment.environment. W W W. M B E F O RYOU. C O M

MBE BUSINESS MAGAZINE DECEMBER 2021

1. GETTING TO 1. THE GETTING SOURCE TO THE OF THE SOURCE CONFLICT: OF THE CONFLICT:

4. IDENTIFICATION 4. IDENTIFICATION OF THE SOLUTIONS OF THEBOTH SOLUTIONS PARTIES BOTH CANPARTIES C SUPPORT:

Getting right to Getting the source right to ofthe thesource conflictofisthe theconflict best way is the to best way to SUPPORT:

resolve the conflict resolvewith theaconflict deeperwith andamore deeper authoritative and more authoritative The true identification The true identification of the solutions of the bothsolutions disputants both can disputants can

insight. If youinsight. are a manager If you areoraamanager supervisor, or agetting supervisor, to thegetting to the support is thesupport purpose is of theacting purpose as aofsolution acting as provider. a solution The provider. The

source of thesource conflict,ofdefinitely the conflict, makes definitely it easymakes for youit so easy that for you so that main aim should mainbeaim notshould to hurtbe any notindividual to hurt any andindividual to come and up to come you can find an youeasy can and find worthwhile an easy andsolution. worthwhile Being solution. a Being a

with solutionswith thatsolutions are acceptable that aretoacceptable both the parties. to bothAthe parties. A

solution provider, solution it’s not provider, worthyit’s enough not worthy to ask enough for help. to ask for help. necessary strategy necessary to keep strategy the environment to keep the safe environment and secure safe and secu However, what’s However, best iswhat’s to findbest the solution is to findright the solution from theright from the for a co-operative for a work co-operative environment. work environment. roots and then roots lookand out then for remedies lookout for in a remedies proper way. in a proper way.

Most of the organizations Most of the organizations especially theespecially MNC's (Multi the MNC’s National are turning

2. LOOKING BEYOND 2. LOOKING THEBEYOND INCIDENT: THE INCIDENT:

Corporations)the areidea turning of conflict-free to the idea work of conflict-free environments workand coming up

Being a man Being of discipline a manand of discipline having strict and laws, having what’s strict laws, what’s environmentswith andmore coming refined up with ways more of argument. refined ways of argument. necessary is necessary to look beyond is to the lookincident beyondand the develop incident and and develop and nurture that ability. nurture Anthat ability ability. thatAn marks ability the that change marksorthe change or

These are some These of the arefinest someways of theinfinest whichways conflicts in which can conflicts be can b

transformation transformation of an unwanted of an work unwanted environment work into environment a into a resolved for aresolved peacefulfor and a peaceful conflict-free andwork conflict-free culture. work An culture. An proper and disciplined proper and one. disciplined one.

environment that environment stands on that thestands basic idea on the of basic working idea smartly of working smar

along with thealong teamwith for the the success team for of thethe success company. of the Managcompany. Mana

3. REQUESTING 3. REQUESTING POSSIBLE SOLUTIONS: POSSIBLE SOLUTIONS:

ing organizational ing organizational conflicts leads conflicts to grooming leads of to the grooming cultureof in the culture

Asking for possible Askingsolutions for possible is indeed solutions something is indeed that something counts that counts more unique more and creative unique ways. and creative Handling ways. situations Handling is situations is for you as a Team for you leader, as a Team a manager leader,oraamanager CEO. These or a are CEO. These areeverything in everything the modernincorporate the modern culture corporate and intensifies culture and theintensifies solutions thatsolutions you shallthat be asking you shall from beboth asking parties from involved both parties involved training culture training in organizations. culture in organizations. and minimizeand the minimize number ofthe happenings number ofof happenings similar incidents. of similar incidents. As part and parcel As part of and yourparcel priority ofduties, your priority it is your duties, responsibiliit is your responsibiliTo be more precise To be more the emphasis precise the is more emphasis towards is more better towards better ty to maintaintya to peaceful maintain environment a peaceful that environment is not only that a is not only a values, bettervalues, handling better of situations handling and of situations finding the and best finding the best necessity of the necessity work environment, of the work environment, but also a professional but also a professional solution for a solution problem.for Ultimately, a problem. theUltimately, management the management role in this role in requirement. requirement.

regards is much regards moreisuseful muchand more authoritative. useful and authoritative.

Instead of pointing Instead fingers of pointing at each fingers other,atit’s each bestother, to come it’s best up to come up with a fruitful with solution a fruitful and make solution theand disputants make the work disputants togetherwork together as good peers. as good peers.

MBE BUSINESS MAGAZINE DECEMBER 2021

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

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NEW JOBS TAKES CANADA’S ECONOMY BACK ABOVE THE PRE-PANDEMIC LEVELS

DMM DEPARTMENT MB Enterprises

The job market in Canada was found to be deeply affected

An addition of 160,000 new jobs last month, i.e. in September

since the start of the pandemic until last two months. Howev-

is a good news for Canada & its provinces. These are the

er, the recovery since August-September have proved to be

figures that will help Canada in a huge way to get back to its

highly remarkable in the job markets in Canada. They have

normal figures while having positive assumptions regards to

helped in the restoration & recovery process in a huge way

all the grey areas.

taking the Canadian economy back above the Pre-Pandemic levels. Before the start of the pandemic the job markets in

According to the latest stats the economists were predicting

Canada were happily placed as well as the number of people

65K new jobs, but they were amazed to see a more than

coming to Canada from across the borders & getting jobs and

double increase in the jobs in different Canadian sectors. An

work-permits. The decline in the job markets was never

incredible decrease in the jobless rate bringing it down to 7%

expected, but due to the pandemic it affected the markets in

which is found to be the lowest since the start of the pandem-

many sectors. Especially, the retail industry and the banking

ic. According to experts, it shall be closer to 6% by the end of

sector got deeply hurt as well as other corporate sectors

this year and the start of 2022 will be a new happy start for

automatically hurting the Canadian economy.

the job hunters in Canada, especially the immigrants. Before the start of the pandemic the rate was ideally placed at 5.5%.

MBE BUSINESS MAGAZINE DECEMBER 2021

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

A MASSIVE RECOVERY, A MASSIVE RECOVERY, BUT LONG TERM BUT LONG JOB TERM JOB LESSNESS STILL LESSNESS PERSISTS: STILL PERSISTS:

of the long-term of the joblong-term markets. Is jobit markets. the requirements Is it the requirements specificaspecific tions that have tions changed that have Post-Pandemic changed Post-Pandemic or the salaries oror the the salaries or

pay-scales that pay-scales have automatically that have automatically been affectedbeen afteraffected the after the A massive recovery A massive in the recovery job markets in theinjob Canada markets after in Canada the after the pandemic? Whatever pandemic? is the Whatever reason is the the chamber reason the of commerce chamber of comme pandemic, however, pandemic, the however, long-termthe joblessness long-termstill joblessness persists instill persists in

are 2022 positive shall that be2022 a better shalland be more a better responsive and more responsiv the Canadianthe markets. Canadian It demonstrates markets. It demonstrates the magnitude the ofmagnitude hurt of are hurtpositive that year in terms year of the in job terms prospects of the job in Canada. prospects This in Canada. is especialThis is espec that the job markets that theinjob Canada markets has in taken Canada & how has hard takenit&has how hard it has ly for Canadian ly for citizens Canadian as well citizens as theas huge wellnumber as the huge of number of been to sustain been liketobefore. sustainCanadians like before. are Canadians the people are who the people who immigrants coming immigrants to Canada coming on to a Canada yearly basis. on a yearly basis. want to work want and don’t to work likeand the don’t idea of like being the idea unemployed of being by unemployed by choice. This ischoice. also aThis goodisreason also a good why we reason needwhy to dig wedown need to dig down and find out exactly and findwhat’s out exactly holding what’s them holding back and them howback the and how the pandemic haspandemic hurt the psychologies has hurt the psychologies of the Canadian of the citizens. Canadian citizens. According to According the Canadian to the chamber Canadian of commerce, chamber ofthe commerce, the restoration ofrestoration the economy of the andeconomy especially and theespecially job markets the job markets rests heavily rests on theheavily understanding on the understanding that what’s holding that what’s the holding the Canadian citizens Canadian back citizens at home.back Thisatishome. especially This true is especially after true after the pandemicthe haspandemic dented the haseconomy dented the andeconomy the sustainability and the sustainability

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

MBE BUSINESS MAGAZINE DECEMBER 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”

INTERVIEW WITH Louie Carnevale

Italy where I continued Italy wheretoI play continued hockey to play hockey E: Louie can MBE: youLouie, please can give youour please give our Louie Carnevale: Louie When Carnevale: I went When to I went to

After successfully After successfully University, I quickly aders a brief readers introduction a briefabout introduction aboutcompetitively.competitively. University, learned I quickly that Ilearned that I

playing professionally playing professionally in Europe, I in Europe, wanted I ur childhood your andchildhood your early and years your early years to setwanted my expectations to set my expectations higher higher

decided it was decided time toitcome was time backto come backthan the normal fore you started beforeNorthern you started Financial Northern Financial thanperson the normal and being person anand being an

oup?

Group?

home to Canada home and to start Canada a new and start a newentrepreneur entrepreneur was always inwas my always blood in my blood chapter of mychapter life. of my life.

and I always and wanted I always to runwanted my ownto run my own

uie Carnevale: Louie I grew Carnevale: up in Toronto I grew up in Toronto

business andbusiness do thingsand my do own things way. my own way.

MBE: After hockey playing and hockey and d competitively and competitively played hockey played hockey MBE: After playing

Whether I was Whether right or Iwrong was right I didornot wrong I did not

returning what to Canada made you what made you ring my childhood. during my I was childhood. lucky I was lucky returning to Canada want to have want to answer to have to anyone to answer to anyone

want to start Northern want to start Financial Northern Financial and thankfullyand ough to getenough a scholarship to get atoscholarship play to play it worked thankfully out itwell worked as out well as

Group and how Group has and the journey how has the journey we, at Northern ckey at Cornell hockey University at Cornell in the University in the we,Financial at Northern Group, Financial Group,

S. After playing US. After and graduating playing and graduatingbeen?

m Cornell, from I moved Cornell, to Northern I moved to Northern W W W. M B E F O RYOU. C O M

been?

recently celebrated recently 31celebrated years of being 31 years of being successfully in successful business.in business. MBE BUSINESS MAGAZINE DECEMBER 2021

Along the wayAlong we have the way expanded we have ourexpanded business our andbusiness have and havethe industry and the other industry companies and otherwill companies face challenges will facetrying challenges tryin hired some people hired some and my people daughter and my is now daughter also very is now involved also very involved to replicate this. to replicate this. in the business. in the However business. in our However business, in our I always business, wanted I always to wanted to keep the number keepofthe employees number oflow employees as it is a tight low as runit operais a tight run operaOne of the positive One ofchanges the positive that changes has come that to the hasindustry come toisthe industry

making things more automated tion. Also I did tion. notAlso wantI to didworry not want about tohiring worrypeople about hiring who people whothat technology thatistechnology is making things moreand automated and eas be that physically mail inmail a in a dental clai would then later would on,then takelater clients on,away take from clients usaway to other from us to other easier. It usedIt to used to beyou thathad youtohad to physically companies. So companies. we agreedSo towe stay agreed at a certain to staysize at aand certain it has size and it dental has claim but but now now you you can can do do that that much much faster faster and and much much easier onlin easier online.We WeatatNorthern NorthernFinancial FinancialGroup, Group,are were one worked for us,worked as what forwe us,do, as we what dowe really do, well. we do really well. also theofonly compan the first companies in the country and in this industry to in the country in this industry that is offering electronic signature and docu-sign. MBE: What sets MBE: Northern What sets Financial Northern Group Financial apart from Group itsapart from its offer electronic signature and docu-sign. competitors and competitors other companies and otherlike companies it? like it? MBE: What areMBE: some What of the arereasons some ofemployers the reasons are employers shying are shying Louie Carnevale: Louie WeCarnevale: at Northern WeFinancial at Northern Group Financial have found Groupa have found a from providing away away from theirproviding employees theirbenefits? employees benefits? certain niche.certain We do niche. not getWe into doaspects not get of into theaspects industry ofsuch the industry such Louie I believe Carnevale: employers I believe are employers afraid to offer are afraid their to offer their as property casualty. as property Wecasualty. focus on health We focus benefits on health and life benefits and lifeLouie Carnevale:

employees’ benefits employees’ because benefits of the because cost. The of the cost cost. of health The cost of healt insurance andinsurance we are very andgood we are at very providing goodthese at providing services. these services.

benefits can be benefits expensive can be especially expensive forespecially the employer for the if they employer if the After 25 yearsAfter of working 25 years in of this working industry, in this I realized industry, we Ihad realized to we had to

have, employees for example,that employees are olderthat andare require oldermore and require m come up withcome our own up with product our for ownsmall product to medium for small size to medium size have, for example,

and medication benefits. and Thisbenefits. is why our This program is why is our good program for is good f businesses. The businesses. reason we The decided reasontowe dodecided this is because to do thisthe is becausemedication the benefits get very benefits expensive get very over expensive time so we overwanted time sotowe wanted to

such employers such because employers it does because not distinguish it does notbetween distinguish between

whosomeone requires who the benefits requiresmore the benefits as compared more as to compared to provide a more provide affordable a more solution affordable to our solution customers. to ourWhat customers. we Whatsomeone we

whosomeone is not using whothe is not benefits usingat the all.benefits Old or young, at all. Old or young decided to dodecided was pool to all doof was ourpool clients all of together our clients into together one big into onesomeone big group so thatgroup the cost so and that the risk costisand spread the risk out.is spread out.

healthy or unhealthily, healthy orunder unhealthily, our plan under all employees our plan allpay employees a pay a fixed rate.

fixed rate.

For a nominalOur monthly healthfee, program depending is onlyupon $30 your a month needs, andwe wecan are also offer a healthproviding program a and/or dental program. The Another reason Another I believe reason employers I believe shy employers away from shy providing away from providin dentala program for as low asindustry $17 a month. The

benefits is because benefitsthere is because is a lot of there information is a lot ofout information there for out there fo is a very competitive industryone is a but veryour competitive prices areone as low but as our prices are as low as

them to access them thattousually accessthey that get usually fromthey different get from brokers. different brokers they get and have been able to serve so many they get and that’s why wethat’s have why beenwe able to serve so many

The employers The may employers feel it is a may very feel cumbersome it is a very cumbersome task getting task getti small to medium sizesuccessfully businesses over successfully small to medium size businesses the last over the last together all the together information all theand information actually applying and actually for their applying for their few decades.few Wedecades. also distinguish We alsoourselves distinguish from ourselves others by from others by

benefits employees or may benefits feel they or may just feel do not they have justthe do time not have the ti keeping our rates keeping fixed. ourFor rates example, fixed. For it does example, not matter it does if the not matter ifemployees the company hascompany 3 employees has 3oremployees 50 and it does or 50not and matter it does if the not matter iffor theit at all.

for it at all.

employee is or 22isyears old orold, is 60 employee is 22 years old 60 years theyears ratesold, we the rates we

MBE: Louie can MBE: youLouie please canend youthis please interview end this by giving interview our by giving our provide stay fixed provide andstay arefixed standard. and are Forstandard. many years, In four ouryears, healthour health

readers young who readers are looking whotoare getlooking into thetosame get into industry the same indust rates have not rates gone have up, not as compared gone up, as to compared other companies to otherincompaniesyoung in the industry that the have industry been that raising have their beenprices. raising their prices.

you are in, a message? you are in, a message?

MBE: What areMBE: some What of the arechallenges some of theand challenges changes and that changes your that your Louie Carnevale: Louie ForCarnevale: anyone that Forisanyone trying to that getis into trying thisto get into this

company andcompany your industry and your are currently industry are facing currently and that facing you and that you industry, theyindustry, have to realize they have thattostudying realize that is important studyingbut is important but can see arising caninsee the arising future?in the future?

what is even what more is important even more is being important a good is being people a good person. people perso You have to be You able have to interact to be able with to all interact sorts with of people all sorts andofbe people and

Louie Carnevale: Louie One Carnevale: of the recent One of changes the recent that changes was brought that was brought able to understand able towhat understand they want. what One they of want. the best One things of the best things

up by the government up by the was government that theywas made that medication they madeformedication forabout this industry about is this that industry it creates is that entrepreneurs it creates entrepreneurs and gives and give

anyone underanyone the ageunder of 25the free. age This of was 25 free. a positive This was change a positive change people the opportunity people thetoopportunity start something to start of something their own without of their own with

but did bring about but didabring challenge aboutina our challenge industry. in our Theindustry. real The real having to have having too much to have money too much to invest money in things to invest suchinas things such as challenge thatchallenge could occur thatincould the future occur is inifthe thefuture government is if the government inventory. I truly inventory. feel thatI truly the future feel that of this the future countryofisthis in country is in makes medication makesfree medication for everyone free of forany everyone age. This of any would age. This would entrepreneurs. entrepreneurs. surely bring drastic surely changes bring drastic to our changes business. to our Butbusiness. for now, IBut for now, I feel that Northern feel that Financial Northern is one Financial of the companies is one of thethat companies is that is bringing unique bringing changes unique to the changes industry tooverall. the industry Our pooling overall. Our pooling of clients together of clients is definitely togetheraisunique definitely newaintroduction unique newto introduction to

MBE BUSINESS MAGAZINE DECEMBER 2021

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How Branding Effects The Buying Behaviour

In The Retail Industry? DIGITAL MEDIA MARKETING MB Enterprises

retail industry The retail is highly industry influenced is highly influenced Thetoimportance analyze and to figure analyze and figure products as well products as fresh as well product as fresh product The importance

he branding by the strategies branding andstrategies and

launches.

sumer behavior. consumer Thebehavior. consumer The consumer

out the necessary out the buying necessary behaviors buying is behaviors is mainly due tomainly the changing due to the fashion, changing fashion,

OFRELATION BUYING BEHAVIOUR OF BUYING BEHAVIOUR alty or customer loyalty loyalty or customer aspects loyalty if aspectsRELATION if trends, styles,trends, technology, styles,living technology, style, living style,

TO BEHAVIOUR: CONSUMER BEHAVIOUR: en care oftaken always care areofa always positiveare a positiveTO CONSUMER

disposable income, disposable and similar income,other and similar other

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nt.

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behavior to consumer behavior to behavior consumer is a behavior is a long-lasting one long-lasting and a sustainable one and a sustainableThe importance Thelevels importance associated levelswith associated with

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aspects. The thought aspects.process The thought associatprocess associathe retail industry for the retail in any industry environin any environfollows;

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ed consumer with every is different, consumer is different, nt is a mandatory ment is apre-requisite mandatory pre-requisite or a or with a everyed

CONSUMER RETENTION: CONSUMER RETENTION: however, to deal ita has great to deal deal a great deal uirement that requirement sets goals that in sets the goals in thehowever, it has

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ls. This has goals. to offer Thisahas lot to to offer a lot to

is known as ‘Consumer’s retention’. retention’. influences forinfluences the consumers. for theThe consumers. Theis known as ‘Consumer’s

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towards reaction a product. towards a product. sumer behavior consumer is essential behaviortoisaessential toreaction a

mpany regards company to itsregards current to its current

MBE BUSINESS MAGAZINE DECEMBER 2021

they follow general they follow trends general of customer trends of customer or consumer or retention. consumer A simple retention. A simple W W W. M B E F O RYOU. C O M

theory is thattheory findingisconsumer that finding behavior consumer is a behavior key necessity is a key in necessity in moved towards has has moved environmental towards environmental & sustainability & sustainability focus. This focus. T

any industry, any especially industry, retail especially sector, to retail figure sector, out ways to figure for out ways forchanging market changing trend market was observed trend was initially observed by many initially brands by many bran

customer retention. customer In marketing retention. & In consumer marketing behavior, & consumer it’s behavior, it’s including McDonald’s. including A McDonald’s. key reasonAwhy keyMcDonald reason why focused McDonald focuse just not important just not to attract important newtocustomers, attract newhowever, customers, it’s however, it’s more on healthy more food on options healthy as food part options of their asinternational part of their international important to retain important the existing to retaincustomers the existing ascustomers well. Customer as well. Customer marketing strategies. marketing strategies. retention simply retention meanssimply business, means i.e.business, marketingi.e. themarketing products the products in such ways in that such it will ways convince that it will the convince customers the time customers and time and A comprehensive A comprehensive consumer behavior consumer study behavior helps the study helps the again.

again.

company in saving company a lotinofsaving resources a lot of that resources might otherwise that might be otherwise allocated to produce allocateda to product produce thata will product not be that sold willinnot thebe sold in the

THE CONSUMER THE DIFFERENTIATION: CONSUMER DIFFERENTIATION:

market. Consumer market. behavior Consumer while behavior predicting while market predicting trendsmarket trends

‘The Customer ‘The is always Customer right’, is always a common right’, entity a common or a phrase entity or a phrase enables the company enables the make company decision make on the decision production on the production in the customer in the or consumer’s customer orindustry. consumer’s The industry. consumer The consumer

strategy, which strategy, will definitely which will helpdefinitely saving warehouse help savingcosts warehouse costs

differentiationdifferentiation applies to all applies segments to all or segments sectors of or thesectors of the

and marketing and costs. marketing costs.

industry. However, industry. it’s However, a sole responsibility it’s a sole responsibility of the company of the to company to

RAISING COMPETITION RAISING COMPETITION THROUGH THE THROUGH BRAND IMAGE: THE BRAND IMAGE: figure out thefigure main out difference the main and difference how one and customer how one opinion customer opinion A brand image A brand helps significantly image helpsinsignificantly raising the in level raising of the level of differs from the differs other. from Thethe best other. wayThe is tobest make way a target is to make groupa target group

competition and competition that’s is also and a that’s key reason is also atokey study reason consumer to study consum of consumersofwith consumers same or with similar same behaviors. or similar A better behaviors. way A to better way to

behavior more behavior effectively. more The effectively. key questions The key thatquestions a company that a compan analyze and figure analyze outand feedbacks figure out of feedbacks customers of while customers launch-while launching a brand, aing product a brand, or aa similar productproduct or a similar with slightly product with slightly

needs to ask needs themselves to askregards themselves to consumer regards to behavior consumer are behavior ar

different demographics. different demographics.

as follows;

• Why a consumer • Whyor a consumer a customerorisaacustomer customerisofayour customer of your As soon as the Asmarketer soon as the is knowledgeable marketer is knowledgeable about the differentiabout the differenticompetitor? competitor? ation and howation it varies and how as well it varies as with aseach well as group withofeach consumgroup of consum• Is your customer • Is your alsocustomer a regularalso customer a regular of your customer of your ers. Automatically, ers. Automatically, helps the marketer helps the andmarketer the company and the to company to design separate design andseparate unique marketing and unique programs. marketing programs.

competitor? competitor? • What gaps are • What being gaps identified are being by your identified consumers by yourinconsumers the in the

PREDICTINGPREDICTING MARKET TRENDS: MARKET TRENDS:

products when products comparing when tocomparing your competitors? to your competitors?

The prediction The of market prediction trends of market is yet another trends iskey yetaspect anotherinkey aspect•in What are the • What key features are the that key features attracts athat consumer attractstowards a consumer towar the retail industry the retail whileindustry analyzing while theanalyzing buying behaviors. the buying The behaviors. The your competitor’s your products? competitor’s products? consumer behavior consumer analysis behavior shallanalysis be the first shall tobe indicate the first theto indicate the right shift in market right shift trend. in market As an example, trend. As we an example, can highlight we can highlight All these questions All these arequestions the primary areones the primary to determine ones to thedetermine the

that the mostthat recent thetrend, most recent especially trend, in the especially food industry in the food that industrybrand that image brand of a product image as of a compared product as to compared your competitors. to your competitors

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

MBE BUSINESS MAGAZINE DECEMBER 2021

DECEMBER

EVENT 2021 CALENDAR 6 DEC

MONDAY

Last day of Hanukkah Many Jewish communities in Canada mark the last day of Hanukkah as the end of the Hanukkah celebrations. Hanukkah, also known as the Festival of Lights, is an eight-day Jewish observance to remember the Jewish people's struggle for religious freedom.

11 DEC

SATURDAY

Anniversary of the Statute of Westminste The Anniversary of the Statute of Westminster is observed in Canada on December 11 each year to mark the statute's establishment. The Canadian flag and the Royal Union flag are flown together on this day.

21 DEC

TUESDAY

December Solstice

24 DEC

FRIDAY

Christmas Eve

December Solstice: Longest and Shortest Day of the Year There are two solstices every year: one in December and one in June. The December solstice marks the shortest day north of the equator and the longest day in the south.

Christmas Eve in Canada is the last day of preparations for the Christmas Day and Boxing Day holidays. It is a busy shopping day and some people give gifts to family and friends on this day.

25 DEC

SATURDAY

Christmas Day Many Christians in Canada mark the birth of Jesus Christ on December 25, which is known as Christmas Day. It is a day of celebration when many Canadians exchange gifts and enjoy festive meals.

26 DEC

SUNDAY

Boxing Day Boxing Day is a holiday for many Canadians on December 26. It gives people the chance to take part in the post-Christmas sales or watch ice hockey games.

MBE BUSINESS MAGAZINE DECEMBER 2021

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31 DEC

FRIDAY

New Year's Eve New Year's Eve is a day of reflection of the past year's events and a time to prepare for the New Year. It is also the last day of the Canadian tax year. Many people attend special parties or other events to mark the end of one year and the start of the next one.

CROSSWORD PUZZLE SOLUTION

MONTH NOVEMBER

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MBE BUSINESS MAGAZINE DECEMBER 2021

horoscopes

DECEMBEr 2021 Sagittarius Sagittarius Season Is Here To Bring Luck, Happiness, & One Day To Watch Out For November 22 – December 21

From November 21 to December 21 (when the sun moves

This might just be my Sagittarius moon talking, but Sagittari-

world. As we hurtle towards the end of yet another hectic

us season is one of the best times of the astrological year.

year, Sag season bringing us into a positive headspace

on into Capricorn), the air will be imbued with a sense of adventure and optimism, making us feel ready to take on the

feels like a major gift. Unlike Scorpio, Sagittarius isn't interested in drama or diving deep into intense emotions. "After the intensity of Scorpio season, the sun’s entrance into the sign of the Archer should feel mellow and healing," says Narayana Montúfar, senior astrologer for Astrology.com and author of Moon Signs: Unlock Your Luminary Power. This will feel especially pronounced during the first ten days of Sagittarius season, Montúfar says. Take advantage of the positivity coming your way and figure out a way to work this energy into your life — optimism can be your secret weapon as we enter into the stressful holiday season. But the happiness this month can bring isn't empty-headed. While the sun is in the sign of the archer, we can make a lot of progress toward our goals. Lisa Stardust, the author of Saturn Return Survival Guide and The Astrology Deck says that Sag season gives us "a moment to be adventurous and

MBE BUSINESS MAGAZINE DECEMBER 2021

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

take fearless action to move towards our visions." Now is the

There is a particular day to be wary of, though: December 4.

time to work towards making whatever you've been manifest-

This is when the total solar eclipse will take place and

ing for the past year a reality. The energy is there — all you

connect with Mercury, which Stardust says adds force,

have to do is act on it.

passion, and drive to our lives. But, there's a caveat. "Words will hurt on that day," she warns. "Sagittarius is it only a sign

One of the best aspects happening during Sagittarius season

of the zodiac who has a weapon (the bow and arrow) so they

is the sextile between Saturn and Chiron on November 26.

shoot right to the heart with words." Although taking a beat

"This is a rare opportunity to heal old and past wounds, and

before sounding off on someone is always a good idea, it will

since it’s happening around Thanksgiving, it could bring the

be especially helpful during this chaotic transit. Remember:

very much-needed healing we need in our relationships,"

Your words carry power and weight. Use them wisely.

Montúfar says. Whether you need to mend a romantic relationship or a platonic one, this is the best time of year to

The main theme of this year's Sagittarius season is freedom,

create harmony. And Lucky for us, Montúfar says that these

says Leslie Hale, psychic astrologer at Keen.com. "You may

good vibes will last until the end of the year.

feel a desire to be free to pursue your own ideas and goals," she says. "You may even strongly want to cut ties with any

There will be some eventful moments packed in there, due to

person or situation that seems to hold you back." If there's

Neptune stationing direct just days before the last solar

one thing to get out of Sagittarius season, it's that change

eclipse in Sagittarius. "From this moment until the arrival of

and letting go can be healing — therapeutic, even. Let this be

the full moon in Gemini on December 18, so many endings

your time to let go of the reigns and see what can happen.

will occur," Montúfar says. "These two weeks will most likely

What have you got to lose?

feel weird, as we will be closing a chapter that began in May of 2020 as this lunation rises in the sky." Endings can be painful, but they can also be illuminating. With this cycle coinciding with the end of 2021, things in your life hitting their expiration date may feel more satisfactory than sad. Embrace your evolution — change doesn't have to be a scary thing. Often, it can lead us to exactly where we need to be.

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

MBE BUSINESS MAGAZINE DECEMBER 2021

Electric Vehicles: The Future of Automotive And Competitive Innovation

ENTREPRENEUR.COM It was not too long ago that electric vehicles were disregarded

technological innovation. This tri-fold foundation makes

by the bulk of consumers as a serious replacement for their

certain that this revolution in mobility is definitive.

petrol-based cars. Concerns about their range and a lack of stations where one could charge their car (especially when

This editorial maintains that electric vehicles represent the

compared to petrol alternatives) once dominated the conver-

future of the automobile industry and will continue to analyse

sation. However, ownership of such vehicles has been on the

this assertion with the backdrop of these three foundational

rise lately, and electric vehicles are set to transform the

ideas that are supporting it.

automotive industry.

Government Regulations Mobility is changing. Major issues associated with traditional

The past, present and future efforts of governments to

vehicles and approaches in the automobile industry, such as

achieve sustainable mobility with their policies is accelerating

emissions, congestion and a growing carbon footprint, are

the adoption of electric vehicles and helping a foundation for

reaching a tipping point that demands a revision of the status

them. With the growing inauguration of more stringent

quo. In response, several companies are busy producing

emission targets by regulators around the globe, the

dazzling innovations in electric vehicles that will ensure they

increased growth of electric vehicles in order to reach these

represent the future of the mobility industry.

targets is being encouraged.

Why The Future Is Electric

Specific Policies

Electric vehicles have secured themselves as the future of

Furthermore, the European Parliament produced its “Fit for

the automobile industry because their ability to transform the

55” initiative in 2021, which hopes to amalgamate energy,

way we move is inherently based on shifts in three primary

climate, transport, land use and taxation efforts and reduce

areas: government regulation, consumer sentiment and

greenhouse gas emissions by 55% holistically by 2030. In

MBE BUSINESS MAGAZINE DECEMBER 2021

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

addition to this, the Green Car Initiative (GCI) was proposed by the Directorate-General for Mobility and Transport, it

Consumer Sentiment

contains a budget up to 50 million Euros to support any

Consumer sentiment is the second leg supporting the future

projects relating to electric vehicles. General electric vehicle

of electric vehicles. Opinions towards EVs have changed

subsidies are also offered by most governments around the

drastically over the course of the past decade. This is due to a

world.

plummeting in their cost, spurred on in part by a decrease in

Their Effect

the price of lithium-ion battery packs (a type of rechargeable

The measures from governments appear to have been vastly

battery used in the production of EVs), as well as the

successful so far, which bodes well for the future of electric

increased favourability of government incentives towards

vehicles.

them in recent years.

Electric vehicles have been gradually perforating into the

Furthermore, a large reason for the huge growth in uptake

markets for a while now, with their numbers uninterruptedly

that electric vehicles have witnessed over the last demi-dec-

growing since 2010 till now. At this point in time, these

ade has been the gradual breaking down of the greatest

vehicles now represent as much as 2% of total new car

obstacle to their success, their huge upfront cost. Outsourc-

purchases, and 3.5% of newly purchased vehicles for

ing manufacturing to China has qualified brands to sell EVs

passengers.

for up to 30% less, and drops in price of lithium-ion battery packs have lowered this even further.

This success can be seen in the US as well, with brands such as Tesla experiencing exponential growth in their sales. Over

2021 produced a record number of electric vehicle sales in

the past five years, the brand has watched as their sales grew

Australia. As a matter of fact, a smaller amount of vehicles

by 10x; the quintessence of this growth was seen in 2016,

was sold throughout the entirety of 2020 than was in the first

when over 80,000 vehicles were sold in this year alone. Over

half of 2021 alone. The market share of such vehicles

1 million vehicles are expected to have been produced by the

doubled during this 1 year period from 0.7% to 1.5%. Despite

end of this year.

this, the scale of the electric vehicle industry appears

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

MBE BUSINESS MAGAZINE DECEMBER 2021

smallest in Australia out of all the economies observed: there

analysed in the context of two specific companies with their

are currently only 23 electric vehicle models available for sale

own unique vision for the future of electric cars, Tesla and

here, compared to over 130 options in the UK.

Laureti Group. These two prodigious companies are acting to disrupt the automotive ecosystem in different ways based on

The annual growth in sales since 2016 has been a compound

their different approaches.

increase at a rate equivalent to 60% per year. Several

On balance, it is indisputable that the future of the automobile

individual markets have witnessed a huge proportion of their

is electric. The roots that have developed for it are established

automobile sales being electric vehicles - for example in

and deep. There is no reason for the success of the trifold

Norway this percentage was 75%, and in Iceland it was 50%.

support provided by government regulations, favourable consumer sentiment and competitive innovations not to

Competitive Innovations

continue into the future.

The efforts of players within the industry to conceptualise and implement new ideas and visions for the future of electric mobility, such as passenger-centric, autonomous or connected development, further accelerate the rate at which automotive technology is innovated. This aids in bolstering the future of electric cars as innovation is key to survival in business, stagnation often means being surpassed and becoming redundant. The competitive innovations of this industry will be

MBE BUSINESS MAGAZINE DECEMBER 2021

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

Important Knowledge about Life, Disability, Mortgage, Travel, Critical Insurance SYED HASSAN

Royal Le-Page, Royal Brokers

Why life insurance?

products, it pays a tax-free cash benefit to your beneficiary.

Life insurance is a basic need for it protects the financial

Term insurance is most useful when serving a temporary

security of your loved ones and yourself. If anyone is reliant

need such as high debts. It is initially the most affordable

on you financially, then you need life insurance.

insurance but the cost will increase as you age. If you want long-term coverage, a permanent life insurance solution may be a better choice.

Permanent insurance is just that - permanent. It keeps you protected for as long as you live. Over the long term, it is typically cheaper than term insurance. Permanent insurance is a good foundation for your financial plan because it will carry through your entire life. From this foundation you can build your plan by adding health protection and savings programs.

Universal life insurance is a unique design - it provides a tax-free death benefit plus the option to invest and earn tax-deferred interest. A life insurance policy pays a cash benefit, tax free, to your beneficiaries when you die. The beneficiary amount depends

How much will it cost?

on the type of insurance you have.

It depends on your age, gender, medical history, and beneficial amount. It is always flexible based on your specific

Some employers give you life insurance benefits but it ends when you leave your job. Therefore, it is better to have one for life in order to protect your loved ones.

needs.

Non-Medical Insurance What is Non Medical Life Insurance?

The primary purpose of life insurance is to offset the person-

There are many reasons as to why someone would decline

al and financial strain of an unexpected loss. However, life insurance comes in many forms and can accomplish other, more complex, goals as well.

Type of Life Insurance Term insurance is temporary and covers you in case of demise for a specific period of time. Like most life insurance

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

MBE BUSINESS MAGAZINE DECEMBER 2021

life insurance due to medical & health issues. Non medical

Why do I need Travel Insurance?

life insurance is specially designed for those people who

Government health insurance plans often pay an insignificant

can't get life insurance. Statistics shows 4% of life insurance

amount of money if you are sick or injured outside of

applications in Canada are declined each year due to

Canada. You have to pay thousands of dollars for a doctor’s

medical or lifestyle issues. There are very few financial

visit or emergency hospital visit in the case you don't have

organizations that can provide non-medical life insurance.

travel insurance.

Mortgage Insurance

Beneﬁts of Travel Insurance

Protection for Biggest asset in Life? Your home or business is normally your biggest asset. Thus,

• Provides emergency hospitalization and medical services cost based on your policy.

an adequate amount of protection must be enforced in the • Living expense to insured family members while you are in hospital. • Transportation costs for a family member in case of hospitalization or death. • Dental coverage during your trip. • Provide emergency transportation vehicle to admit you to the nearest hospital. case of an unfortunate event. Mortgage insurance is very

• Optional benefits such as baggage, accidental death, flight

important not only for you & your family but also your assets

accident or rental car collision depending on policy.

and net worth. Mortgage insurance pays you the pending mortgage amount in the case of your demise. It pays your regular mortgage premiums for a stipulated time period in the case of a disability.

Travel Insurance Unexpected medical treatment is the most expensive hidden cost you can incur whenever you travel for pleasure or business. Travel insurance becomes prudent when protecting yourself or loved ones during your trip.

Author: Syed Hassan, Broker, Royal Lepage Exceptional Professional and Educational Background B.Sc. Electrical Engineer, Real Estate Broker, Financial Advisor, IQCS Certified Lead Auditor & Consultant for ISO Management and Environmental Standards, Certified Total Quality Manager.

Professional Experience and Afﬁliations MB Group of companies, Royal Le-Page Exceptional, Royal Brokers, American Express Bank of Canada, Budget Rent a Car, Moody’s, SGS, PIQC.

MBE BUSINESS MAGAZINE DECEMBER 2021

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

WHY SEE THE WORLD THROUGH FACEBOOK NAVNEET ALANG So Facebook is changing its name to

with a high profile 60 Minutes

absorbed by Instagram, Facebook is

Meta. Mark Zuckerberg announced a

interview with a whistleblower who

feeling vulnerable and is casting

new name that reflects a shift in focus

detailed Facebook’s various failings

about for the next big thing after the

for the company from social network-

and you see how a name change

familiar newsfeed.

ing to what it is calling “the

might be just the thing for one of the

metaverse” – a mix of technologies

world’s largest companies to sweep a

The Metaverse – It’s a diffuse idea

meant to create a virtual world that

few unpleasant realities under the

and Facebook envisions it as a kind

Facebook happens to run.

rug.

of layer of tech between you and the

Still, for an embattled company,

It isn’t just the self-inflicted wounds

is likely to be a mix of virtual reality in

bruised by a string of injuries to its

that is worrying Facebook. Recent

the form of headsets; augmented

reputation, the change probably

reports show that Facebook has

reality, in which smart glasses and

reflects a few things Facebook is

poured its significant marketing

other things layer information atop

looking to achieve.

budget into Instagram rather than its

reality; and a host of other tech –

world. More practically, the metaverse

core product, mainly because

maps, wearables, headphones to

For one, it is now embroiled in a bitter

Facebook is terrified of losing the key

shape how you interact with

battle with the tech press over

younger demographics who grow into

everything.

various lapses in the company’s track

a lucrative customer base. What’s

record: privacy gaffes, moderation

more, with the TikTok app cresting

The first thing to ask about the

problems and a failure to reduce on

over a billion users and swallowing

metaverse is whether or not it’s

the ills of social media. Couple that

much of the cultural energy once

something we want at all. The second

MBE BUSINESS MAGAZINE DECEMBER 2021

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

is that, even if we do, whether we want Facebook or Meta, to

In essence, the metaverse isn’t just a virtual world, but an

be the company to run it.

intermediary layer between you and the rest of the world – a set of technologies meant to insert Facebook’s business

Big tech has operated somewhat differently than most

between individuals and their daily activity.

corporations in that rather than simply offering a product, tech tries its best to become modern infrastructure.

In the same way that Facebook monetized basic communica-

This is often how tech gets misunderstood.

tion, it now wants to monetize your life. In short, Facebook wants to be the operating system for reality.

Uber, for example, is often thought of a replacement for taxis. What Uber actually wanted wasn’t to simply be a ride hailing

Even if Facebook didn’t have a track record of privacy

app on your phone but an entire transportation infrastructure

intrusions, harming its users’ mental health or quashing

– the tech layer that runs not just your rides, but bikes,

dissent, would we in fact want any company to become the

scooters, transit and eventually autonomous cars. It didn’t

interface between ourselves and reality? The answer seems

pan out that way. Uber eventually sold off its autonomous car

quite clearly “no,” but it is especially so given Facebook’s

division after it became clear self-driving is a much harder

blasé approach to the well-being of the world it professes to

problem to solve than anyone knew – but the desire to

make better.

become a layer was what drove things. It seems clear that augmented reality is coming and there So Amazon wants to be the layer between you and

may well be benefits.

shopping, using not just its website but voice assistants, smart buttons and more to be everywhere. Google wants to

Just as social media has its upsides, so too does technology

be the layer between you and day to day tasks – booking

that can give directions, inform us about our towns and cities

appointments, scheduling meetings and so on.

that we are living or visiting in, or provide a more embodied experience when we meet virtually.

Facebook’s desires are arguably more subtle but with the same harmful effects. The metaverse is essentially the layer

But what is cause for worry is that Facebook’s wish to

between you and reality.

become the company that runs that technology seems to stem more from a desire for domination than either mere

Picture walking down the street wearing Facebook branded

selfless concern or even capitalist profit motive.

smart glasses with little bits of information about stores or coffee shops appearing as you stroll. Imagine taking a class

In short, what Facebook wants isn’t to offer you a neat

or having a meeting in Facebook run virtual worlds – That is

product, but to entrench itself and seize control – and that

the vision.

isn’t something a name change can or should obscure.

MBE BUSINESS MAGAZINE DECEMBER 2021

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

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

DAVID RALPH MACKERETH dmackereth@canimac.com

Dave: (absentmindedly) “And [you] must question whether it

fact, “Like a physicist’s vacuum, the human mind can be

is [Earthlings] who control these ideas or whether it is the

induced to create thoughts that come seemingly out of

ideas that control [Earthlings].” (9) However, “Thought

nowhere.” (12) And as the theoretical physicist John A.

interferes with the probability of events, and, in the long run

Wheeler (d.2008) knew “[…] empty space is not empty. It is

therefore, with entropy.” (10)

the seat of the most violent physics.”

Albert: Our biologists believe, “The brain of each and every

Albert: But you must admit Earthling language is quite

[Earthling] is built around a reptilian core, and the structure of

unique, even from a Universe perspective! (searching Dave’s

our bodies is essentially that of modified reptiles.” (11) There

face for agreement, a nod, something positive!)

is much nervous activity near the brains and “These centers now incorporated into the general functioning of the [Earth-

Dave: (tenting his fingers, trying to remember the ‘official’

ling] nervous system, may well be survivals from an earlier

party line) Here is our take on Earthling language: “[It is] a

evolutionary stage; they may be primitive brains that existed

finite instrument crudely applied to an infinity of ideas.” (13)

long before the development of the cerebral cortex itself.” (9)

And we think your dictionaries are “Opinion presented as truth in alphabetical order.” (14)

Dave: Keep in mind, “The deep sensory and emotional structures of cows, pigs and [Earthlings] alike haven’t

Albert: (wagging a finger in disbelief) BUT BUT BUT - we put

changed much since [your] Stone Age [when we were last

significant effort into cataloguing our past out of RESPECT

here].” And “[…] emotions are biochemical algorithms that are

for those who came before us. (attempting to gain back some

vital for the survival and reproduction of all mammals.” (11)

dignity)

We understand, as reported by astronomer Carl Sagan (d. 1996), “[Earthling] consciousness is what happens when you

Dave: (shrugs) I guess, but aren’t museums just “Safe storage

get to something like [1 with 11 zeros] to [1 with 14 zeros]

for stolen objects.” (14)

synapses.” Albert: (exasperated and takes a deep breath) That certainly Albert: “[S]ome scientists concede that consciousness is real

is another way of looking at it.

and may actually have great moral and political value, but that

(Albert, in grave need of some tea, and finally convinces

it fulfils no biological function whatsoever [and] conscious-

Dave to join him at the local café. Conversation turns towards

ness may be a kind of mental pollution produced by the firing

DNA)

of complex neural networks. It doesn’t do anything. It just sits there.” (11) Personally, I find our thoughtful Nietzsche’s

Dave: In 2007, Earthling cognitive scientist Douglas R.

(d. 1900) diagnosis, “The growing consciousness is a danger

Hofstadter wrote “[Earthlings] are macroscopic structures in a

and a disease.” to be more meaningful.

universe whose laws reside at a microscopic level. As survival-seeking beings, we are driven to seek efficient

Dave: But you know what your Earthling polymath Leibniz (d.

explanations that make reference only to entities at our own

1716) said “If you could blow the brain up to the size of a mill

level.” And while I am at it, “[…] because [Earthlings] are

and walk about inside, you would not find consciousness.” In

good storytellers, [you] get infatuated by them and confuse

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

MBE BUSINESS MAGAZINE DECEMBER 2021

[your] representations of the world with the world itself.” (15)

Albert: But we Earthlings represent the apogee of the Earth’s

In 1957 Swiss novelist Max Frisch also pointed out, “Technolo-

Biosphere. In fact, many Earthlings feel, we are the most

gy is a way of organizing the universe so that [you] don’t have

complex and consequential matter within the entire Observa-

to experience it.”

ble/Actual Universe! (with attitude!)

Albert: (Projecting an enquiring, and rather puzzling look!)

Dave: Well, you are a most interesting lot. Considering the Earth’s best invention, photosynthesis, “[…] was invented,

Dave: “Evolution left [you] with another burden: [your]

more than a [1 with 9 zeros] ago by bacteria.” (7) As your

cognitive, emotional, and moral faculties are adapted to

American chemist Daniel Nocers (b. 1957) suggests

individual survival and reproduction in an archaic environ-

Earthlings do not celebrate, “When [they] eat a green, leafy

ment, not to universal thriving in a modern one.” (5) “First

vegetable, [they] are eating photons of solar energy. [They]

[you] build the tools, then they build [you].” (16)

are biting the light of the sun.”

Albert: Then how would you gauge our overall progress,

Albert: (with great confidence) “The cell is surely the greatest

especially our tremendous technological advances over the

invention in the history of life on this planet […]” (20), and

past century?

possibly in the history of the Universe!

Dave: “I fail to see any very great difference between the

Dave: “Speaking anthropomorphically, any single molecule

social conventions of [your] modern civilization and those of

has a free choice in selecting the speed at which it prefers to

primitive barbaric peoples.” (9) Also “[…] evolution, with its

travel.” (12), and “[…] everything that happens in a living cell

speed limit measured in generations, could not possibly have

is spontaneous, and will take place on its own accord, given

adapted [your] brains to modern technology and instructions.”

the right starting point.” (18)

(5) Albert: Obviously Nobel laureate in physics Erwin SchrodingAlbert: Are we the only beings in the universe to experience

er (d. 1961) caused much angst adding, “In the light of

this?

present knowledge, the mechanism of heredity is closely related to, nay, founded on, the very basis of quantum theory.”

Dave: “This is not the first time living creatures have fundamentally altered the Earth (cyanobacteria completely

Dave: “Your [4 with 13 zeros] cells contain at least a [1 with 15

changed the atmospheric composition [1 with 9 or so zeros]

zeros] mitochondria, with a combined convoluted surface

of years ago) – it is just the first time such a creature could

area of about [14 with 3 zeros] square meters; about four

decide whether or not to do so.” (3) Also, you “[…] tend to see

[Earthling] football fields. Their job is to pump protons, and

the story of [Earthling] civilization as an inevitable conquest of

together they pump more than [1 with 21 zeros] of them –

earth, rather than the saga of an insecure culture like mold,

nearly as many as there are stars in [your] known universe –

growing haphazardly and unsurely upon it.” (17)

every second.” (18) I sense your interest in that stars comment!

Albert: We have unlocked most of Earth’s natural secrets: “Onions, wheat and amoebae have more genes and more

Albert: We understand that a human has “About [1 with 11

DNA than we do.” (18) Which is further supported by Nobel

zeros] atoms in a cell – same number of stars in the Milky

laureate in physics Richard Feynman, (d. 1988) “The proteins

Way, the number of galaxies in the visible Universe.” (3)

of bacteria and the proteins of humans are the same.”

Should we be following your ‘stars’ reference, to further the understanding of our place in the Observable/Actual

Dave: But you “[…] forget Schrodinger’s [d. 1961] other

Universe?

central tenet – that life resists entropy, the tendency to decay.” (18) However, you need to consider: “[…] many species, like cyanobacteria, coelacanths, and some types of crocodile, have existed for at least hundreds of [1 with 6 zeros] of years without undergoing any change in physical characteristics.” (19) And, “Bacteria have undergone no significant morphological change for more than [3 with 9 zeros] years.” (19)

MBE BUSINESS MAGAZINE DECEMBER 2021

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

CROSSWORD PUZZLE

WHAT’S MY LINE?

ACROSS 1 Peyton’s gridiron brother 4 1960’s civil rights org. 8 “Sad to say ...” 12 Burt’s second 14 Prefix with scope 15 Young salmon 16 I crack the whip on my ‘employees’ (2 wds.) 18 In a pale, weal manner 19 Yearbook 20 Prodding (2 wds.) 22 I just move tons of money around 24 Olive stuffing 27 Goals for 1-Across, briefly 28 Floral perfume oil: var. 29 Legendary Hollywood director Walsh 32 Tanning lotion letters 35 I make sure buildings for students are up to code (2 wds,) 39 Yellowfin tuna 40 Bette’s “Divine” stage persona 41 Hip dance of Hawaii 42 Kim or Wayne 43 Message on some blue-banded, celebratory cigars (3 wds,) 46 I make sure you know your amo-amas-amat (2 wds.) 51 Response to drill sergeant’s question about whether you’re amused (3 wds.) 52 Fihing for slip pery wrigglers 56 French farewell 57 I’m a guy with picks and pans who’s not a movie critic 59 The period be tween 12 and 20 60 “Como _____ usted?” 61 Part of DOE 62 Red states, once: Abbr. 63 Radical 60’s org. Down 1 “Enchanted” girl in a 2004 film 2 Pork cut 3 Privy to (2 wds.) 4 “Today’s” former mustachioed film critic Gene 5 _____ de plume 6 Fisherman’s basket 7 Welsh dog

8 Some kitchen appliances 9 It’s never found in pizza, but always found in pie (2 wds.) 10 “It’s _____ nothing” (2 wds.) 11 “Gypsy” somposer Jule 13 Site for fetal development (2 wds.) 15 Scam 17 Mountain pool 21 Left one’s bed (2 wds.) 23 Large-eyed lemur 24 “Que_______?” 25 Backscratcher’s target 26 When repeated, a fish 30 Reply to a ques. 31 Containing element #76

32 ______ one’s toe 33 Game you can’t play left-handed 34 Scuffle 36 Boding ill 37 Airs 38 Brown in the funnies 42 Tablecloths and such 44 Silent film star Bara, and namesakes 45 Appear 46 Exams for lawyer wannabes: Abbr. 47 West Wing workers 48 Judge 49 “The ______ Sanction” (1975 Eastwood flick)

See previous issue answers on page # 21

50 Left one’s bed 53 Holiday ______ 54 “...in ______ is a friend indeed” 55 Unhappy hound sounds 58 Inc., in Britain

FACTORS AFFECTING CUSTOMER SATISFACTION & VALUES ATTACHED FOR CUSTOMERS

DMM DEPARTMENT MB Enterprises

There are a number of factors that affect customer satisfac-

However, the similarity can be minor or termed as negligible

tion & revolves around the key values attached for customers.

or having a tendency to ignore. But, the differences are truly

This is true in retail industry as well as services industry

worth mentioning. A combination of the series of customer

where marketing holds vital preferences for customer

experiences influences overall the customer satisfaction. The

satisfaction. Understanding a customer is the most important

customer satisfaction scores can really help you recognize

and vital element in customer satisfaction and how the

whether you are delivering a truly seamless customer

customer reacts to different situations and their feedback for

experience. Customer satisfaction can be based on a

different products. Customer satisfaction has many ways in

customer experience, but a customer experience is never

which it is being calculated and monitored. The best ways are

based on customer satisfaction, it’s an independent entity.

through a comprehensive feedback system as customer’s

The key factors that influence customer satisfaction are as

reviews and their opinions should matter on every step.

follows;

What are the key elements needed to understand an impor-

1. ACCESSIBILITY:

tant customer. It’s the attitude that counts forward especially

One needs to ensure that the customers are able to find and

in the retail sector. A customer must always be the target of a

access the products and services efficiently. The level of

retail environment, while moving forward towards better

accessibility ensures customer satisfaction measures in

customer-retailer relationship. The customer experience and

highly competent ways.

customer satisfaction are two similar yet different things.

MBE BUSINESS MAGAZINE DECEMBER 2021

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

2. LANGUAGE- ‘A KEY TOOL FOR MEDIATION’:

ny were convinced and said that it was because of a simple

Language is the best mediation tool, or one of the most

buying process. Although, the figures are not even 50%, i.e.

prominent ways of communication. Speaking to your custom-

half, but still a huge amount of people loved the life insurance

ers in their preferred language is something termed as pivotal

policy, due to its simple nature. Primarily, also due to the

for the business. This is a huge necessity for customer

insurance product sensitivity being ‘Life Insurance Policy’,

satisfaction, more or less so that the customer never takes a

being the most vital ones.

bad or wrong impression of the proceedings. More than 54% of consumers according to a survey won’t make a purchase,

According to some vital measurements released from HBR,

if the key information about a product is not available in their

i.e. Harvard Business Review “To Retain Your customers,

language.

keep it simple”

Having said that, the language doesn’t only apply to language

4. DELIVERABILITY:

in terms of the geographical demographics, but also how

Deliverables holds vital significance as key factors for the

certain phrases resonate with your audience and also reflect

customer satisfaction. This is according to an EConsultancy

back to your business.

report, 52% of the customers are not willing to wait for more than five days for most of their purchases. However, on the

3. SIMPLICITY IS KEY:

other hand, a mere 21% said that they are willing to wait for

Customer satisfaction relies deeply on simplicity being the

eight days or more. It’s not only the deliverability, it’s the

key for having a good relationship with the customers. It is

delivery standards that counts in multiple ways.

also the best ways to improve your chances of getting your customer’s business, as well as making the process as

As a matter of fact, the shipping time doesn’t have any

simple as possible. Simplicity not only brings success but also

influence on the purchase decisions, but also has a major

brings a customer to what exactly he wants from a product or

impact on values related to customer satisfaction.

a service. A study that is associated from an Insurance company from

5. CHOICES FOR CUSTOMERS:

South America made a key observation regards to the factor

The more choices you provide to your customers during the

of simplicity. The market observed that 43.5% of people who

process of buying, the more likely they will feel in control of

purchased a life insurance policy or product from the compa-

the experience with your brand. It’s just like the saying ‘the more, the merrier’. Vitally true as customer choices should never let them down, nor the limitation in choices is good for the buying process. However, always make sure to identify the optimal choice that is right for them. The two terms ‘Choice overload’ and ‘Paradox of Choice’ are the two terms in today’s retail environment that are a growing concern for the retailers and brands both. Why customer need a variety of choices at their disposal is important for a seller or a retailer to realize for effective selling, branding & marketing strategies.

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

MBE BUSINESS MAGAZINE DECEMBER 2021

CANADA’S TOP WOMEN ENTREPRENEURS & THE ROLE OF WOMEN IN CANADA DIGITAL MEDIA MARKETING MB Enterprises The role of women in the entire world

compete with the world in a highly

How women CEO’s are different than

is changing everyday whether its IT

competitive environment. All women

men is an interesting question? There

sector, Accounting & Finance, Aviation

entrepreneurs have a goal in

are many differences attached but few

industry, Media & Culture and finally

common, i.e. to prove to the world that

similarities as well that allows women

business and sports. In almost every

female entrepreneurship is vital for the

to close the gap between men and

sector Women entrepreneurs are

future of Canada. A country that has

women. However, the working style of

changing the course of the world and

not only competed in the markets in

men and women is almost the same

leaving a huge mark on the economy

North America, but made a huge

in terms of the energies and the

of the country they are operating in.

name globally.

passion that they both bring to the

Through the development of success-

business dimensions in Canada. Why

ful companies women in Canada are

These women entrepreneurs ensure

they stand out from the crowd is the

contributing in a huge way towards the

in many ways that every women has

manner in which they become

economy and showing to men

as many opportunities as men.

example so that people follow their

entrepreneurs that they are truly

Particularly making efforts every day

footsteps.

worthwhile enough to fight their way

to close the gap between men and

Here is a list of Top women entrepre-

up. They have the equal amount of

women entrepreneurs by bringing

neurs who are being followed in

courage, energy and passion to

more women CEOs.

Canada.

MBE BUSINESS MAGAZINE DECEMBER 2021

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

SHAHRZAD RAFATI:

Alexandra Toulch has grown to new

JENNY BIRD:

A very famous entrepreneur from

heights after having high profile clients

A name and a Brand which is now a

Canada Shahrzad Rafati is the one

like NHL Player P.K Subhan, L’Oreal

symbol in the Jewelry industry in

who has managed to bring her digital

and Brown shoes. The video produc-

Canada. Jenny Bird started in 2008

entertainment company as the third

tion and Digital Marketing Company

and is a Jewelry company i.e. high

largest in the whole world. As a matter

while growing to new heights on a

quality but sold at reasonable price.

of fact the Vancouver based company

daily basis is expected to gain more

The creator of the company Jenny

is now placed third in the world after

influential and competitive clients in

Bird working with the same name in

Google and Facebook. The lady who

near future. One of few companies

Jewelry business was born and raised

started right from her school when

that have given Digital Marketing and

in Ontario, Canada. A province of

online video wasn’t that popular and

Entertainment industry some new and

Canada that is known for raising many

still a new concept in the digital

creative dimensions.

entrepreneurs who are either born in

industry. She in fact was the one who

Canada or arrived from overseas. Her

introduced new dimensions and ideas

SUSAN NICZOWSKI:

to the digital world & her inroads in the

Another young women entrepreneur

demonstrates her business philoso-

world of business are truly backed by

who has contributed to the business

phy. It was in 2011 that her husband

her efforts.

world in many ways. Susan Niczowski

joined her as the President of the

is a lady who is highly passionate

company and have transformed it into

A unique and new business model

about family recipes. This is via simple

a worldwide brand.

that connects content owners,

real ingredients that are already in the

creators, audiences and the advertis-

kitchen, but they are made different

Jenny Bird, an ownership of an

ers. Her goal is indeed filled with

with a touch of class.

ambitious lady entrepreneur is now

ambitions of others, i.e. to provide the

motive was to create something that

operating in over 600 retailers

new generation of content creators

She founded Summer Fresh that was

internationally. They are the proud

with the resources that they need for

originally founded in 1991 and started

owners of showrooms in fashion

fast growth and success.

with only 18 recipes. However, her

capitals and cities all over the world.

passion for food is evident now after

These cities includes Paris, Toronto,

ALEXANDRA TOULCH:

almost 26 years with over 2000

London, New York, Chicago, Atlanta,

A business women and an entrepre-

products. These products includes

Los Angeles and Dallas just the few

neur who touched heights in the world

dips, salads, snacks and meals that

names in the wide listings. Paris is the

of business through creativity and

are easily available and easy to make

fashion capital of the world and

ideas. She is the founder of REBL

for everyone. The aim is to provide fast

regards Jenny Bird as a very fast

House, Alexandra Toulch has been in

and easy meal to people especially

growing company.

the entertainment industry since the

corporate workers who have limited

age of sixteen, i.e. since her teenage.

time to cook food. Her motivation

She founded her company while she

when she started was to provide

was still studying and doing a Bache-

people with quality and hygienic food

lor’s degree in communications.

without having to spend too much time in the Kitchen.

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

MBE BUSINESS MAGAZINE DECEMBER 2021

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TORSTAR, GOOGLE SIGN NEWS DEAL

STUART HIMMEL Staff Writer

New Service offering free articles aim to drive trafﬁc to publishers’ sites Torstar, the company that publishes the Toronto Star, is signing on to a news partnership with global search engine giant Google. Google News showcase, which launched late October in Canada, is a new service designed to give news from trusted publishers a higher

MBE BUSINESS MAGAZINE DECEMBER 2021

profile and help drive traffic back to

“Quality fast checked journalism is a

publishers’ websites.

vital way to connect and inform people and is a crucial tool against

News Showcase will include stories

misinformation. News Showcase will

from partner publishers each day,

bring more of an award winning local

including some that are only available

and national reporting to Canadians

to subscribers on the publishers’ own

and the world”, said Toronto Star

website. The stories are chosen and

publisher and Torstar co-owner

packaged by publishers, ensuring

Jordan Bitove. “It’s an investment into

editorial control remains with the

the future of our newsrooms, our

publications.

journalism and future of news”. In addition to Torstar, two other publishers – Le Devoir and Les

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

Coops de l ’information are joining forces with Google joining

Publishers receive a set monthly fee for use of their articles,

a stable of partners that include Black Press Media, Glacier

which are given more prominence than a simple link to a

Media, the Globe and Mail, Métro Média, Narcity Media,

headline. Neither the amount of the monthly fee nor the

SaltWire Network, Village Media and Winnipeg Free Press.

length of the agreement signed by Torstar was disclosed. Google’s VP of product management for news, Brad Bender

The move comes at a crucial time for both media and tech

said “the hope is to help drive more readers to publishers’

industries. The media has seen its traditional business model

own websites, where they can then become subscribers.”

collapsing, with advertising revenue plunging for the last two

“That is a big driver of the program.” Google News

decades, and subscription revenue not making up the

Showcase was developed in collaboration with publishers

shortfall.

themselves.

Tech giants such as Google, Facebook and Amazon, meanwhile have faced increasing calls for regulation amidst

Unlike Apple News Plus, which charges a subscription fee for

their market domination.

access to its service, Bender said Google News Showcase

Torstar publishes six daily newspapers, more than 70 weekly

will be free to users and Google has no intention of changing

publications as well several specialty websites including

that.

Wheels.ca and TheKit.ca. Les Coop de l ‘information publishes six daily French language newspapers in Quebec

Google News Showcase is available in more than a dozen

and Eastern Ontario.

countries around the world and includes partnerships with more than 1000 publications. It’s part of a 1 billion U.S.

“Enabling more audiences to connect from our six publica-

investment in the global journalism industry of google.

tions is an essential step in our ongoing digital growth.

As part of that investment, Google will be training 5000

Ultimately, this new partnership with Google will help us

Canadian journalists over the next three years on strengthen-

produce even more relevant and useful content to the benefit

ing their digital news skills. That is on top of the 1000 the

of our communities,” said Stéphane Lavallée, managing

company says it has already trained.

director of Les Coops de l ‘information. W W W. M B E F O RYOU. C O M

MBE BUSINESS MAGAZINE DECEMBER 2021

BOXING DAY OBSERVANCE & CELEBRATIONS IN CANADA’ – ‘26th DECEMBER DMM DEPARTMENT MB Enterprises

‘Boxing Day’ is celebrated as a

A day that is followed just after the

the working class. In Australia as well

national holiday in some provinces of

day of Christmas also known as

the day is a celebration, and a huge

Canada on the next day of Christ-

Xmas is an exclusively enriched day

celebration for the great cricket

mas, i.e. 26th December 2021’. Holds

for the people apart from being

playing nation as it is the day for the

vital significance for the people of

religious. The next day of the birth of

very famous ‘Boxing Day test match’.

Canada in terms of shopping

Jesus Christ holds religious values &

preferences, huge discounts and lots

followed as St. Stephen’s day in Latin

of enjoyment and celebration

America. It is not only in terms of the

TRADITIONS & ORIGINS OF THE BOXING DAY:

opportunities. It is not only a national

shopping discounts that can reach up

Traditionally according to the myths

holiday in Canada, but also a national

to 70%-80% in the Western World.

the name of Boxing Day comes from

holiday in neighboring United States,

But, also is a day for people working

the people getting rid of empty boxes

United Kingdom, South Africa,

on daily wages can earn double their

from the presents after the Christmas

France, Italy, Australia, New Zealand

original pay rates. A day of enjoyment

Day. The traditions of the start of the

and many other European, American

just after the Christmas holiday

day comes from England where it is

and Latin American nations. It holds

prolongs the celebrations not only in

celebrated with huge passion with

exclusive significance due to the

terms of parties and events in various

national holidays in almost whole of

origins and the myths that relates to

places. But, also in terms of massive

United Kingdom except Scotland.

this day.

shopping discounts and incentives for

Boxing Day is followed as a Bank

MBE BUSINESS MAGAZINE DECEMBER 2021

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

Holiday in England, Wales & Northern Ireland since 1871. It

but is also a huge upgrade for those who are looking for

achieved a huge status during the times of the British Empire

exclusive offers on their favorite items.

and this explains itself why it is a holiday and celebrated in many commonwealth countries. However, the exact origin of

ALSO KNOWN AS ST. STEPHEN’S DAY:

the day is still debatable.

In the Non-Commonwealth countries, for example Latin America, it is known as St. Stephen’s Day or the Feast of

In South Australia, the day is famously known as ‘Proclama-

Stephen as mentioned in the carol ‘Good King Wenceslas’.

tion Day’. The day celebrates the proclamation of South Hindmarsh. It is in memory of the day he arrived at Holdfast

CANADIAN PROVINCES & TERRITORIES THAT OBSERVE THE BOXING DAY:

Bay on December 28th 1836.

Boxing Day is celebrated with massive passion for the

Australia as a British Province by the famous Captain John

religion and compassion for people in Canada. However, it is

SHOPPING SIGNIFICANCE & COMMERCIAL VALUES OF THE BOXING DAY:

not celebrated in all the provinces and territories of Canada.

Boxing Day as it is known is celebrated on the 26th of

Canada are Alberta Province, New Brunswick, Newfound-

December everywhere. It’s a day that holds vital significance

land and Labrador, Nova Scotia and finally Ontario. In the

in many western nations w.r.t. shopping significances

province Ontario, it is celebrated with the highest energy and

attached. A huge day for the shoppers in terms of the values

passion on December 26th as the province is home to the

and preferences attached to shopping from the retail sector.

biggest & most prominent cities of Canada, i.e. Toronto and

Heavy discounts are offered which can rise up to 80%-85%

the capital city Ottawa.

The provinces and regions that observe Boxing Day in

especially on electronics, clothing, cosmetics and many other category products from the retail sector. A massive boost for the retail industry in Canada, USA, England, South Africa, France, Australia and many other countries from the Western world. It’s not only a treat for people from the middle class,

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

MBE BUSINESS MAGAZINE DECEMBER 2021

CHRISTMAS DAY IN CANADA- ‘CELEBRATIONS THAT MARKS THE BIRTH OF JESUS CHRIST – 25th DECEMBER 2021 DMM DEPARTMENT MB Enterprises

Christmas Day is celebrated in

Russia, Philippines and Nigeria. 95%

who was born to mother Mary of a

Canada on the 25th of December

of Mexican population are Christians,

miracle. His birth as a messiah to the

2021, and marks the birth of Jesus

followed by Brazil, being 90.7% and

mankind is celebrated with huge

Christ. This is similar to many other

United States 79.5% of their total

passion for the Christ as well as

countries from the world as Christiani-

population. Statistics shows the

religious significance attached as

ty is the most followed religion of the

domination of Christians according to

Jesus Christ is the prophet of

world with a huge percentage of

their Total population and how

Christianity. His humble teachings

followers, i.e. 31.11% of the world

Christianity is celebrated, accepted

and his sacrifices are remembered

population followed by Islam 24.9%.

and followed in one of the biggest

on the day of Christmas while his

The most followers of Christianity

countries of the world.

birth is celebrated all over the world

belongs from Europe, North America

with emotions of love and compassion for the people. The sacrifice of

Christian dominated continents. The

THE BIRTH OF JESUS CHRIST- ‘25th DECEMBER’:

most population of Christians belongs

25th December is marked in all over

holds massive values of trust,

to US, followed by Brazil, Mexico,

the world as the birth of Jesus Christ

humanity and humanitarian rights.

and South America being three

MBE BUSINESS MAGAZINE DECEMBER 2021

Jesus for people was immense and

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

His message for Christians is remembered above all regards

Yorkshire pudding is on the list of Christmas dinner as a

to living with peace, love and tranquility for eternity.

sweet dish. It originates from England as the name suggests from the county Yorkshire and is made from a batter that

CHRISTIANITY IN THE WORLD:

constitutes eggs, milk and flour. Although, this is true that

The day is followed all over the world in form of a holiday that

Yorkshire pudding are traditionally served with roast beef, but

can last till a week until the New Year. Apart from Canada, it

many families choose to serve them alongside their Christ-

is followed with huge passion in United States, Mexico,

mas Dinner.

Australia, Brazil, New Zealand, United Kingdom, Italy (Home of the current pope), Russia and India as well. These are

THE DIFFERENT CHRISTIAN DENOMINATIONS:

countries that are most prominent in terms of economic

The world’s most followed religion Christianity is divided into

values, and power symbols. Apart from these, there are

Catholicism, Protestantism, Eastern Orthodoxy, Oriental

countries from Scandinavian region (Nordic countries) that

Orthodoxy, and Non-Trinitarian Restorationism.

are huge followers of Christianity in the world. The most followed in terms of the population census are

CHRISTMAS DINNER- ‘A CELEBRATION OF CHRISTMAS’:

Catholicism followed by Protestantism and then Eastern

A traditional English Christmas dinner is what is followed as

Orthodoxy and Oriental Orthodoxy. However, the basic

customary in Canada as well as Canada has been a

principles of Christianity are the same with some minor

monarchy of United Kingdom and a country who got

differences in beliefs as well as the book. Bible, the Holy

independence from UK officially in 1982. The traditional

Christian book (Text Guide) is also divided into New and Old

English Christmas dinner includes Turkey, Roast Potatoes,

Testaments.

and Stuffing, Pigs in Blankets, Yorkshire pudding, Gravy, Cranberry Sauce, Brussel Sprouts, Christmas pudding and

However, the Vatican is the Home of Pope, the most powerful

Mince Pies. All these are part of the traditional Christmas

and sacred position according to the religious beliefs of

dinner and holds massive importance in most English

Christians. The Holy See is the official name given to the

speaking countries.

Govt. of the Roman Catholic Church which is led by the Pope as the Bishop of Rome. The Vatican is a city-state that is

Turkey, the most famous of the traditional Christmas dinner is

surrounded by Rome, Italy and is the headquarters of the

one of the most popular of the dishes on the occasion of

Roman Catholic Church.

Christianity. This is especially true as it is the main course of the menu on the list. Other popular dishes includes Ham, or roast beef, however, in UK with traditional values Turkey is the main course of choice.

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

MBE BUSINESS MAGAZINE DECEMBER 2021

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Reasons Why You Should Choose Canada As Your Top Study Destination

DMM DEPARTMENT MB Enterprises

According to many international students choosing to study

es spoken in Canada and also share equal status. However,

abroad, Canada is their ideal destination as it is their ultimate

any place you go in Canada, you will definitely survive just by

number one choice. Many Canadian universities are now in

communicating and speaking in English. A language that is

the top University rankings list, according to the subject and

commonly spoken, written and the most common means of

area of study. It ironically means that people coming to

communications for Canadians and foreigners arriving in

Canada from all over the globe are more welcome than they

Canada. At the same time while living in Canada, one can

were ever before. Especially, because of the style of educa-

even learn French language being a useful language apart

tion and how Canada grooms them in terms of skills and

from English. It is spoken very commonly in the province of

developments. A highly detailed educational plan encourages

Quebec.

the foreign students to have jobs during their Bachelor’s or Master’s degrees. This allows them to stay in the country and

Obviously, all the universities in Canada offer courses in

look out for opportunities after graduation.

English, i.e. Bachelor’s, Master’s and PHD level. If you need to come to Canada for study, just have to find a field of study

Statistics from all the famous student’s destinations are

according to your preferences.

convincing enough for international students for the next that cover the largest student population includes Toronto,

A NUMBER OF TOP RANKED UNIVERSITIES IN THE WORLD ARE IN CANADA:

Montreal, Vancouver, Ottawa and Quebec. The province

Canadian Universities have a long history that can range up

Quebec is home to some exceptional cities including Quebec

to over a 100 years while many of them are 50-75 years old.

City and is also a French speaking province with special

The reputation they have is indeed long enough in terms of

points in the migration programs for people who can speak

the academic performance and the employability rate. The

French as a foreign language apart from English being the

main reason is that the universities are able to make a name

primary one.

and a market for themselves in the fast and highly competitive

decade to choose Canada as their ideal location. The cities

job industry in Canada. Many of the higher educational Please have a closer look as to why Canada is a serious

institutions that includes colleges and Universities compete

candidate in terms of study abroad options. As well as a

with the leading and famous universities from U.K. and USA.

country that is improving every day in terms of students as

In the early times, the competition was lesser which has

well as resources.

gradually increased due to standards that have increased every day. Some of the Top ranked universities in Canada are:

ENGLISH LANGAUGE IS EVERYWHERE IN CANADA:

- University of British Columbia (TOP 40 Best Universities in

The English and the French language are the official languag-

Canada in THE)

MBE BUSINESS MAGAZINE DECEMBER 2021

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

- University of Toronto (Top 30 Best Universities in Canada in

friendly and act as guides that prepare students as interna-

THE)

tional learners. In many ways, the Canadian higher education

- McGill University (Top 50 best Universities in Canada in

system is somewhat similar to the United States of America.

THE) in THE)

THE MOST POPULAR STUDY OPTIONS THAT ARE PROVIDED BY THE CANADIAN UNIVERSITIES:

- University of Alberta (Top 150 best Universities in Canada in

In the Universities from Canada, as an international student

THE)

you can apply to many diverse fields that ranges from Arts,

- University of Montreal (Top 150 Best Universities in Canada

Languages, History to Management and finally Engineering. ‘THE’ or Times Higher Education is the most authentic source

In the last few years the most preferred areas and subjects by

that is used as reference for University rankings in Canada.

International students coming to Canada includes, Business, Social and Environmental Sciences, Medicine, Engineering

WHY CANADIAN TEACHING STYLE IS SO HIGHLY EFFECTIVE:

and Technology and finally Arts.

The Canadian teaching style is one of the highly effective

Amongst these Arts and Business have the highest rate of

ones and holds elements of success for people coming to

increase amongst the international students? According to

Canada for international studies. It’s a bit different from the

people coming to Canada since 2010-11. However, there

rest of the world as Bachelor’s program in Canada lasts three

have been massive improvements noticed in the Engineering

years while a Master’s program in Canada lasts from 1 to 3

faculty, which is amongst the largest in terms of job

years depending on the type of programs.

placements on offer after completion of studies.

It’s an effective style of education, especially for people with

ll in all Canada is highly enriched to serve you as a country

strong academic background. The University programs are

that holds incredible ingredients of success. This includes

organized through lectures, which are combined with

excellent academic training, a safe and diverse work environ-

workshops, group work, assignments and projects. The

ment and finally a friendly cultural life.

classroom atmosphere is very open and teachers are very W W W. M B E F O RYOU. C O M

MBE BUSINESS MAGAZINE DECEMBER 2021

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MBE BUSINESS MAGAZINE DECEMBER 2021

New Year’s Eve In Canada & How It Is Celebrated Traditionally

DMM DEPARTMENT MB Enterprises

The New Year’s Eve in many countries is part of the winter

best thing is to aim first and then accomplish with a vision or

vacations and the holidays that contributes from Christmas,

charter for the future.

Boxing Day and to the New Year’s Eve. In Canada it is celebrated as a holiday only in the province of Quebec while

In Canada as well it takes place with a bang, while the retail

in the other provinces and territories it takes place in form of

industry is all set to offer huge discounts and offers on almost

celebrations only.

all kinds of products, especially the electronics and cosmetics. In Toronto, the mega celebrations of the New Year Eve

End of the year, i.e. the 365th day, and the beginning of the

takes place and the start of the fresh year is marked with one

New Year is always a great feeling for everyone. Especially for

of the most expensive fireworks. Since years, the fireworks

people who are ambitious and set new goals and targets for

are competing the likes of cities like London, Paris, New York,

themselves and their organizations in form of the New Year’s

Tokyo, Dubai, Sydney and Auckland.

resolutions. Everyone wants the best from their life and aims for the best, some people have plans to have a holidays in

A BRIEF HISTORY OF THE NEW YEAR’S DAY:

Europe. However, others want to pursue their ambition and

The day that is most commonly known as New Year’s Day

have a degree from a reputed International university. A new

was originally observed on the 15th of March in the old

year’s resolution is nothing but a set of goals and targets that

Roman calendar. However, the start of the year later was

a person wants to achieve, aims for their targets and makes

fixed at 1st January in 153 BCE by two Roman consuls. The

plans in highly organized ways. It makes the agendas more

month was named ‘January’ after the name of the Roman

valuable and the targets highly ambitious. Ironically, as the

God of doors and gates. In the middle ages the number of

MBE BUSINESS MAGAZINE DECEMBER 2021

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

different Christian feast dates were used for the markings of

open hands, while the one passing by should hold positive

the New Year. This was done through calendars that often

emotions of Good-Byes.

continued to display the months in form of columns running from January to December in the Roman fashion.

THE NEW YEAR’S EVE & THE RETAIL SECTOR: The New Year’s Eve holds huge emotions for people who love

However, according to traditions in some parts of Europe the

shopping and having massive discounts on the big day. The

New Year’s Day was determined by the Easter. This obviously

retail sector in Canada, in fact the whole of North America

meant a different New Year’s date every year.

welcomes its customers with great and mouthwatering offers. These are brilliant price plans, deals, packages and discounts

THE TRADITIONAL CELEBRATIONS IN CANADA:

that people wouldn’t find during the rest of the year. It

The celebrations of the New Year’s Eve differs from one

definitely goes neck to neck with the climate set for shopping

province to another in Canada. These takes place in form of

and the happiness and joys of the upcoming year. The best

parties’ overnight, Ice fishing as some people love it, having

time to harvest the fruits of the whole year on one single day.

picnics with friends and relatives and finally taking a polar bear plunge. As the temperatures in almost all parts of Canada are found to be very cold on the New Year’s Eve. People love to go Ice-fishing as a highly adventurous way to celebrate New Year in Canada. These days Ice-fishing typically involves heated hut and some companies also provide equipment. The World fishing network has a list of a number of places in Canada that are a top spot to go for Ice fishing. Having picnics with relatives in places of interest and playing games that people love to play is an interesting part of New Year in Canada. People love to mingle and dance and set tunes for the next year as part of their joyful enjoyments. For Canadians the Year that is coming must be welcomed with W W W. M B E F O RYOU. C O M

MBE BUSINESS MAGAZINE DECEMBER 2021

ENVIRONMENTAL BENEFITS OF PLANTING TREES & ITS BENEFITS FOR THE ECO-SYSTEM DMM DEPARTMENT MB Enterprises

Planting trees and being aware

benefits from the trees than someone

HOW TREES PURIFY AIR:

environmentally are two different yet

might ponder. Trees are not only good

While walking under the trees in a

similar things as both are measures

for better relaxation, but they also

park on a fresh morning, or taking

taken for the sake of environmental

connect people with nature and gives

your morning jog, you realize the

protection. Introducing sustainable

a smooth calming effect. All in all

freshness in air due to the oxygen

measures regards to environmental

trees contribute a huge deal towards

present and the level of air purifica-

sustainability needs many steps

the environment, while making the

tion that is available. If you have

towards environment protection and

environment a sustainable one for a

somehow felt cleaner air in the woods

one of them is plantation of trees on

good future.

or by the seaside, it is the presence

a much more regular basis.

of trees in rich abundance that helps How the trees contribute to the

in purification of the air. Trees are the

There are many people who love to

environment is something that you

ultimate source that absorb pollutant

invest in their gardens & homes by

should know, if you intend to plant

gases which includes nitrogen

planting trees. Most of the people are

trees in your home. An act that

oxides, ozone, ammonia, and

concerned with the beauty aspects

people tend to perform these days on

Sulphur-di-oxide. While in the cities

while some do it for the provision of

a far more regular basis.

and urban areas it really helps to cool

shades in the summer season. Apart

down the streets in far better ways.

from these there are many things and

Not only that, it adds to the beautifica-

MBE BUSINESS MAGAZINE DECEMBER 2021

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

tion of the urban areas and city parks. Trees are also a very

The strategic positioning of trees around the home or a park

helpful source as they help in absorbing the odors and also

can significantly help in cutting down the air conditioning

acts as a filter as well. A natural filter that is made to purify the

needs. For better effects the environmentalists and the

air for a better survival of the human race. According to

architects sat down together and came up with better and

research, a mature acre of trees can yearly provide oxygen for

great solutions e.g. Green Roofs. They are truly an amazing

16 people at least.

and scientific way to incorporate vegetation to your home and other public places. At the same time helps in saving money

CLIMATE CHANGE REDUCTION:

while cutting down the bills substantially.

Harmful CO2 is a huge contributor to climate change which is the biggest problem that is being faced currently. Planting trees

PROVIDING THE SHELTERS FOR THE WILDLIFE:

on a much more regular basis are a significant and rich source

Wildlife restoration and wild life protection is yet another

to fight climate change and its effects. Trees absorb CO2 i.e.

incredible measure and a mandatory step for the environmen-

Carbon dioxide while removing it from the air and storing CO2

tal protection process. In this regards trees plays a massive

while releasing oxygen which is good for the environment. A

and a highly useful role. Trees are a huge contributor for the

phenomenon that we are well aware of since our childhood

boosting of biodiversity as they become a food source and a

science text books are good enough to tell us about the natural

natural habitat for the wildlife. The trees that are mostly used

process.

for plantation as homes for the birds, squirrels and bees are the famous oak tree and sycamore.

A NATURAL PROCESS OF AIR CONDITIONING: How the trees provides a natural process of air conditioning is

According to a research that counts regards to tree planta-

something that is amazing to realize as it conditions the

tions, a single apple tree produces about 20 fruit bushels every

environment in more enriched ways. However, as a matter of

year. A source that can nourish many birds, insects and wild

fact the more trees are planted, the better it is for the environ-

life. Thus, the best thing is to realize the multiple benefits of

ment and environmental protection. According to research,

trees at the same time, i.e. protection of wildlife as well as

Oxygen in-take is a huge necessity in the world that is exposed

providing a clean and pure climate.

to pollution and hazardous gases. One tree is good for giving oxygen to at least four people which is not enough for a better and cleaner environment.

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

MBE BUSINESS MAGAZINE DECEMBER 2021

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MBE BUSINESS MAGAZINE DECEMBER 2021

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

THE IMPORTANCE OF JOB SATISFACTION & THE ROLE OF HIGHER MANAGEMENT DMM DEPARTMENT MB Enterprises

‘Job satisfaction’ is a key aspect in

apart from finding better interest at

management should be motivating

the corporate industry & holds vital

the workplace. This is also vital due

the employees for far better options

elements of success for both the

to satisfaction at work, and working

and for the sake of maintaining a

company and employees. However,

for larger goals in a dedicated time

better work culture. They should in

the role of management in this

period. Mental peace at work

every way make sure that employees

regards is not only critical in terms of

necessarily means that you are

are finding the work place a better

the communication, but also impor-

satisfied with your role and your role

and highly improved place for all the

tant in terms of employee motivation.

is important to you to prove yourself

stakeholders involved.

Higher management & the people up

in your field of work. A CEO or a leader of an organization

in the hierarchies must always be clear in their communication lines

As we say that, we mustn’t forget the

is the best motivator for employees

regards to creating work alliances

importance of having a ‘Sense of

as they are the best judge of abilities

with employees. Also, includes

achievement’ while you are at work

and skills. They are a role model or

strategies of working together for a

something that gives you the satisfac-

an inspiration for people working in

better future of not only the company,

tion at paramount levels.

the company, even if they have job satisfaction issues with their employ-

but also the individual.

VARIANCES IN THE ROLE OF HIGHER MANAGEMENT:

ees. However, what’s also important

A variance in the role of higher

develop their skills and be effective in

Job satisfaction is the necessity of

management is necessary as it can

terms of self-motivational therapies.

the modern era due to many reasons

vary from person to person. Higher

WHY JOB SATISFACTION IS A NECESSITY?

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

is how good an employee can

MBE BUSINESS MAGAZINE DECEMBER 2021

HOW TO MAINTAIN & TRIGGER YOUR PASSION FROM THE INSIDE?

NEVER JUDGE A BOOK BY ITS COVER:

The best way to maintain & trigger your passion from inside

lead you to wrong assumptions that can easily lead to job

is to keep analyzing the needs of the environment you are

satisfaction issues. These can be either minor issues or

working in. Apart from this, making realizations regards to

major issues, thus, in both ways can be a hindrance to your

how to bring random improvements in your role at the

targets. If you are target oriented, ‘never judge a book by its

workplace. Obviously, it can be hard to perform every day at

cover’. Always try to have positive emotions regards to your

the same optimum level, resulting in job satisfaction issues.

workplace norms and procedures. It’s best sometimes to

All these situations that are more or less related to mental

stick to the basics and resolving things with a highly strategic

psychologies can be sorted with better communication and

& a positive mindset.

Being too judgmental at the workplace can at the same time

having a combined strategy. A positive mindset is always the best way to resolve all sort The best way to resolve issues is not to find yourself in a

of job satisfaction issues, apart from being a good performer

deep hole, but rather carry on with your duties in far more

at the workplace.

organized ways.

BEING ORGANIZED AT THE WORKPLACE IS ALWAYS RESULT-ORIENTED: Being organized at work & working with discipline is always result-oriented. Is also impactful in resolving issues related to job satisfaction and lacking confidence at the workplace. Organized and efficiency at the workplace are an ingredient of success, especially while having minor or major job satisfaction problems.

MBE BUSINESS MAGAZINE DECEMBER 2021

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

Essential Job Interview Tips That Helps In Getting The Job You Want

DMM DEPARTMENT MB Enterprises

‘First impression is last impression’ a term that is used very

to the company will act like a catalyst in your interview, while

frequently to make a good first impression during your first or

it makes it clear in the eyes of the interviewer that you are

the most important job interview. Essentially speaking an

one serious candidate. You have the knowledge and ability to

impression counts as it is essential to make one for better

work flexibly while taking good care of the job environment in

career prospects. Yes, we are dealing with the word

which you are working.

‘Prospects’, i.e. a word used commonly for the sake of career goals and more importantly ‘Career Prospects’.

Here are some of the most useful tips, which will help you in a good job interview.

There are plenty of things that needs to be ascertained and carefully looked at while making preparations for a job

1. RELAX, SMILE & FEEL ENERGISED:

interview. One of the most carefully planned event of one’s life

For a good job interview, it is necessary that you feel relaxed

‘A job placement interview’, needs to be highly researched

and energized at the same time. Just a night before, you must

and brainstormed. The most important aspect that needs to

make key points that are an essential ingredient for a

be looked at and researched is regards to the company

successful interview. Examples includes, brainstorming some

profile. Although, you are going for your job interview,

good questions that can be termed as FAQ’s or Frequently

however, it’s essential for your career prospects and your

Asked Questions that should be well practiced before the

dream job that you acquire decent knowledge regards to the

night of interview. Give a smiling face to the interviewer and

company you have applied. Having good knowledge regards

create a decent rapport that should be enough for a good

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

MBE BUSINESS MAGAZINE DECEMBER 2021

45-60 minutes of your interview. A smile is always good to

According to an interviewer from a MNC, his experience says

ease the ups and downs in an interview and create a comfort

that positivity works well as everyone is looking for people

level that should last till the end. It’s not about winning or

who are enthusiastic, and their enthusiasm makes others feel

losing, it’s just about having a good time while you let the

good as well.

concerned know what you are good at. Secondly, how your skills and attitude can be good for the company’s overall

3. RESEARCH THE COMPANY YOU ARE APPLYING TO:

success.

A good research regards to the company you are applying or going for an interview is indeed a necessity of the modern

Create good energy with your body language and positive

times. An essential aspect that is important along with useful

vibes and feel free to talk, only when you are asked to. Don’t

considerations regards to the company size and its ratings.

feel it like an oral test or a strict conversation, rather be

Showing the interviewer how important it is for you to work in

confident and feel positive with good positive vibes. Your body

the company you have just arrived for interview is indeed a

language should always be positive irrespective of what

must. It definitely shows the willingness of the person and

happens or can happen.

how far he wants to be a part of the company.

2. BE POSTIVE IN YOUR APPROACH:

Have an opinion for the company after having a review of the

Be positive in your approach and avoid being a pessimist,

website or a recent blog or a related business magazine

especially during the most important session, i.e. Job

article. It shall be sufficient enough for you to have an opinion

Interview. Never think that the interviewer is there to delete or

which should be good in most cases. Ironically, as you are

omit you from the list of possible candidates for the job.

there for interview while you have a good image of the

However, your positivity can be convincing enough for the

company in your eyes. Firstly, don’t forget to ask yourself a

interviewer to think well about you. Your motive should be that

typical question “Why You would like to work for them in

you interviewer must feel the comfort of having you as an

future?”

applicant in the company.

MBE BUSINESS MAGAZINE DECEMBER 2021

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

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Address: 104-100 Dynamic Drive, Toronto, ON M1V5C4 Call: 1-866-667-1377 Fax: 1-866-204-6888 E-mail: pos@mbeforyou.com Web: pos.mbeforyou.com

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Top Tourism Attractions In Ontario & Their Importance Attached To Tourists

DMM DEPARTMENT MB Enterprises

Canada is a huge country and second largest country

tourism conference of Northern Ontario is an example of the

according to area in the entire world. Being the largest in

conferences taking place for the promotions of tourism values

North America it holds gorgeous attractions and tourism is

in the region.

increasing in Canada on a yearly basis. A gorgeous country blessed with infrastructure, waterfalls, iconic structures,

The region is blessed with the famous and gorgeous Niagara

high-rises, mountains, Rockies and densely located forests

Falls, Algonquin Park, Ottawa (Capital city & tourist

and landscapes makes Canada highly attractive in terms of

attraction), Ottawa River Rafting, Charming Towns, Fall

the tourism industry values & rich modern values as well. The

Colors, and Fort William Historical Park being some of the

country that shares its borders with neighboring United

few attractions from the gorgeous provincial boundaries of

States, being the world’s longest international land border is a

Ontario.

deeply influencing country according to latest statistics w.r.t. tourism values.

These are some of the Ontario’s most gorgeous attractions for the tourists that are coming to Canada from the rest of the

Tourism conferences are a common set of events taking place in Canada especially in the region of Ontario promoting

world.

tourism & cultural tourism in the provincial boundaries of

NIAGARA FALLS:

Ontario. This is with a special vision for Northern Ontario, a

Niagara Falls in Canada is regarded as the most famous &

beautiful and rich part of Ontario Province in Canada. The

the most beautiful waterfalls in Canada. It attracts thousands

MBE BUSINESS MAGAZINE DECEMBER 2021

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

of tourists coming to Canada yearly not only from the

Canada’s Parliament Hill is a massive attraction in Ottawa

neighboring United States, but also from the rest of the world.

and is an undeniable focal point in downtown Ottawa.

Located near the Canada-US border in the boundaries of Ontario is highly rich in terms of elegance as well as natural

Some engaging national museums are also an experience

beauty. According to many people there are plenty of different

that is a key attraction in Ottawa known as Canadian Museum

ways to experience the Niagara Falls and its magic that holds

of History as well as the National Gallery of Canada. A

unique values for the visitors and the multi-million dollar

UNESCO world heritage site is known as The Rideau Canal

tourism industry. There are many different ways of witnessing

runs right through the center of Ottawa, the Canadian capital

the Niagara Falls as some like it from skies up above with the

rich in historical values. With a variety of options available

Niagara Helicopters. The feelings associated with the viewing

either you take a guided city tour by a bike, hop on a boat

of the Niagara Falls is truly a unique and a lifetime experience

cruise, or finally you discover the Canal by Kayak.

especially those who are witnessing it first time.

ALGONQUIN PARK:

GREAT SPIRIT CIRCLE TRAIL: The Great Spirit Circle Trail is known all over Canada as a

Park is a beautifully located park in Ontario near the Algon-

true cultural experience. It introduces the visitors to the lives

quin Lake. If you are interested in making all the list of

of the First Nations, the early people of Canada and the

outdoor activities in one park you would probably think 90%

originals. By First Nations, we precisely mean the First

of them being in one park called ‘The Algonquin Park’. The

Nations Anishinaabe people of Manitoulin Island, i.e. the

Algonquin Park is Ontario’s very first provincial park and is a

largest freshwater lake island in the world.

place overflowing with activities that includes hiking, biking,

The rich aboriginal history is extremely important to

boating, fishing, picnicking, swimming, white water canoeing,

all the residents and the Seven First Nation reserves can be

and wildlife watching being key attractions in the Algonquin

found on Manitoulin. A guided tour that puts you in the hands

Park. However, in the winter the activities includes cross

of an experienced local guide that shall be with you explain-

country skiing, snowmobiling, and dog sledding. There are

ing the history of the island, its nature, and especially its

approximately over 1500 lakes and 1200 KMs of streams and

people. As part of cultural tourism people find it interesting to

rivers located within the park. Apart from this, you will also

hear the stories and myths of the Island, share the food

find over 1200 campsites that are dotted along their shores.

experiences and take part in traditional ceremonies.

In simple words as a visitor or a tourist you will not find any shortage of reasons to visit the gorgeous Algonquin Park.

OTTAWA:

OTTAWA RIVER RAFTING: Ottawa River Rafting is yet another mind blowing tourism attraction for those who love river rafting. Northwest of the

Ottawa is Canada’s capital city and cultural center. It’s one of

Capital city, i.e. Ottawa, the Ottawa River surges through the

the finest blends of English (British) and French cultures and

Canadian Shield. The Ottawa valley is famously known as the

the city is highly energized by cosmopolitan vibes that

Whitewater Capital of Canada. The experience is an adven-

celebrates Canada’s culture and its values. It includes a huge

ture for the tourist as the force of the river varies making it

list of historical sites, festivals and cultural attractions.

difficult and an exciting experience.

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

MBE BUSINESS MAGAZINE DECEMBER 2021

THE CURRENT STATE OF ONTARIO’S REAL ESTATE MARKETS DMM DEPARTMENT MB Enterprises

The real estate markets in Ontario

homes that are away from crowded

have been affected by the recent

places and overcrowded apartments.

A LACK OF BALANCE BETWEEN DEMANDS AND SUPPPLY:

state of affairs in Canada that have

Apart from this, people are looking for

The experts in the Real Estate

variable global impacts as well at the

places where they can work easily

markets in Ontario have seen a lack

same time. It has largely affected the

from remote work environments. This

of balance that has risen significantly

trends and the behaviors of people

is largely due to the pandemic and its

between the demands as well as the

and business owners that are looking

effects causing work from home

supply. A balanced demand and

for real estate and properties in the

being a casual norm of the recent

supply usually means that all the

gorgeous province Ontario. People

times due to continuous lockdowns.

listed houses can be sold within the

are now looking for much larger

next 6 months as forecasted and replaced with other housing and future sales. However, in the current state due to financial turmoil due to the pandemic the demands have reduced and thus there has been a noticeable mismatch seen between the demand-supply relationships. What has resulted in a switch in balance between this relationships has largely contributed to people’s

MBE BUSINESS MAGAZINE DECEMBER 2021

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

changing behaviors and ultimately the markets becoming

There are changes in prices in many places in Ontario

unpredictable and lacking the durability that they have shown

province, surprisingly, the prices in Windsor remains the

in the yester years. In Canada, this needs to be realized

same at $200. In the areas of Collingwood and the Blue

however, that this is not a situation that has been faced by

Mountain area, the prices are at an average of $786.

the Province Ontario alone. It is witnessed in almost all the

However, the property prices in Port Elgin, stays at an

prominent and wanted Canadian housing markets all over

average of $650. All these different prices indicates clearly

with equal or more impacts in few regions. As a matter of

that prices will settle by end of year 2022 and 2021 will not

fact, the real estate markets across Canada has seen a huge

be a decent year for people looking for property in the real

decline in the number of new residential properties construct-

estate markets in Ontario.

ed during this pandemic COVID-19.

FORECASTS FOR 2021 & FOR THE NEXT YEAR, I.E. 2022:

HOW COVID-19 HAS IMPACTED THE REAL ESTATE MARKETS IN THE PROVINCE OF ONTARIO:

As the property prices in Toronto continue to rise exponential-

As discussed earlier as well the stay home directives in 2021

ly there are many people in the list who have decided to

followed since 2020 has impacted the Real Estate markets in

move to suburban population nearby. One of the main

Ontario with many obvious reasons.

reasons why the Ontario suburban regions are witnessing substantial property price increases. Great deals are

However, despite COVID-19 and its regulations in place

available throughout the towns and cities in Ontario province,

apart from its impact in almost all industries in Ontario. The

however, the trends have lately seen people moving away

markets have been able to survive the economic slowdown

from the city centers.

due to the earlier potential created. The Govt. authorities of Canada along with the FI’s i.e. Financial Institutions have moved in quickly and far more responsively as expected to provide relief to people in terms of finances. This is especially true for people of Ontario who were about to be impacted from the COVID-19 when Govt. started taking immediate measures. The Govt. acted fast enough to offer financial aids and relief programs for those who needed it, while the Bank of Canada lowered interest rates to as low as 0.25%. The recovery time for Ontario’s real estate markets will take the proceedings to the next year, i.e. 2022.

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

MBE BUSINESS MAGAZINE DECEMBER 2021

RELATIONSHIP BETWEEN COMPANY CULTURE & EMPLOY WELL-BEING DMM DEPARTMENT MB Enterprises

The relationship that holds the key

can affect the well-being of employ-

employees have about work. As an

between a company & various

ees in all sort of ways. This relates to

example, we can say that if an

demographical work cultures &

primarily the kind of interaction that

employee is spending too much time

employ well-being is the significance

employees expect in their workplaces

at work and is unable to focus on his

in terms of handling the pressures at

and how far do they feel comfortable

social life elements. Naturally, the

work. It is indeed an intimate and a

regards to their mental health &

company work environment is more

key connection between company

frustrations.

into late sittings and there is less

culture and the mental health of

sensitivity towards work-life balance.

employees. For some it is their

We can examine the link between the

Certainly, this is found to be an issue

destiny connection that can enable

company culture and the mental

that can hurt the company culture in

the employees achieve their dreams

health in much more higher depths.

the longer run, i.e. not a good thing

in more comprehensive ways. For

regards to company’s sustainable

HOW FAR CAN EMPLOYEES ACHIEVE WORK-LIFE BALANCE?

developments. Bringing priorities in

can be different from that followed in Canada, but you have to make it your

Achieving the work-life balance is the

indeed something that will be a

primary destiny connection for your

litmus test for companies who are

positive aspect for the company’s

career upbringing. Organizational

growing up to develop comprehen-

work culture. Employees with good

research & study from different

sive & competitive work environ-

personal and social life ingredients

environments has demonstrated well

ments. The company culture also

work with bigger passion and

& truly that how a company culture

involves certain key expectations that

commitments for a better life both at

example an Australian work culture

MBE BUSINESS MAGAZINE DECEMBER 2021

company’s work-life balance is

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

work and at home. This balance reduces the stress levels in

health, the greater it is for the organizational success. It is

the employees, making them more committed for their goals.

indeed a key benchmark or a landmark achieved in organizations for future sustenance and employee retention

Other problems that can arise in employees overstaying at

programs.

work can lead to increases in worry, anxiety, stress, depression, sleep problems, and finally poor physical health.

COOPERATION & SUPPORT- ‘INCREASING THE LEVELS Increasing the level of cooperation & support is part of the

BEING OPEN ABOUT MENTAL HEALTH

work culture that guarantees good relationship with the

A good and fair indication of the relationship between the

employees. A key component of a healthy work culture is the

company & employees is being open regards to the mental

degree to which employees feel supported at the work place.

health. This is an attribute of some companies that have a

Some company cultures can even lead to increased stress

work culture that highly encourages employees to be open

and anxiety due to poor political issues and management

about their mental health. The main and foremost reason

problems. This is also due to office gossips and an office

regards to the openness about mental health issues of

culture that ignites stress at the work place.

employees is regards to the concentration levels that are linked up for better work performance. There are many organizations that pay very little or no attention to employee well-being. Employees on the other hand should be more eager and comfortable to talk to HR or their line managers for help. The higher the company culture respects openness about mental

EMPLOYEE EMPOWERMENT’

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

MBE BUSINESS MAGAZINE DECEMBER 2021

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MBE BUSINESS MAGAZINE DECEMBER 2021

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WE ARE HIRING!

RESORT MANAGER

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.

Contact: 4382 HWY # 60, RR#1 DWIGHT, ONTARIO, P0A 1H0 CANADA

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.

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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

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MBE BUSINESS MAGAZINE DECEMBER 2021

EXPERT ADVICE, DISTINCT SKILLS & RICH EXPERIENCE

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OUR SERVICES Bookkeeping PTR Service Payroll Service Finance Accounting & Taxation

PERSONAL TAX RETURN AS LOW AS

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CORPORATE TAX RETURN AS LOW AS

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104-100 Dynamic Drive, Toronto, ON M1V 5C4

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accounting.mbeforyou.com

1-866-667-1377

info@mbaccounting.ca

1-866-204-6888

TERREQUITY REAL ESTATE SERVICES BROKERAGE INDEPENDENTLY OWNED & OPERATED

Helping you is what we do.

Opportunities

MAHMOOD NAQVI BROKER

SYED HASSAN BROKER

SALEEM AKTHAR

SALES REPRESENTATIVE

GULZAR KHAN

SALES REPRESENTATIVE

SYED BAQAR KAZEMI

SALES REPRESENTATIVE

104-100 Dynamic Drive, Toronto, ON M1V 5C4 200 Consumers Road, Suite 100, Toronto, ON M2J 4R4 (416) 939-9378 (416) 497-5949 www.mansoornaqviteam.com

DESTINATION

NORTHERN ONTARIO The ultimate experience of a lifetime. Presented by Saba Tours.

Saba Travels is pleased to organize tours for you to experience Northern Ontario covering arts and culture, entertainment, food and drinks, indigenous, wellness, outdoors and sports.

Looking for your next adventure?

Meet passionate people, get the taste of local culture with one of a kind experience. From traditional tipi teachings to paddle board yoga and all of these experiences will be arranged with Saba tours and partners for your next adventure trip.

Saba tours and MBE Group, Great team to deal with Address: 102 - 100 Dynamic Drive. Scarborough ON (M1V 5C4) E-mail: sabatravel@rogers.com

CALL US +1 416-926-8250

Saba Travel in business since 1984.