HAPPY NEW YEAR 2022 - MBE BUSINESS MAGAZINE by MBE BUSINESS MAGAZINE

ISSUE 73 | JANUARY 2022

INTERVIEW

Niaz Shirazi Saba Travels Pg 30

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Key Reasons Why Philanthropy Is A Necessity

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CONTENTS

Factors Influencing Life Insurance Premiums & How They Matter?

New year’s fitness agendas

How hospitality industry is using CRM

& how to accomplish them daily

Creating a road-map for any new business on...

Why a team leader is actually a team leader...

Interview with Niaz Shirazi

Finding the right directions especially in times of...

You won’t run into anyone at this market

What On Earth Is Going On?

“We Have Big Ambitions”: How Willful’s Erin

Canada Ranked Top Nation

Adapting to canadian workplace culture in...

Event Calendar

A Conversation: Part Three

On Immigration & Investments

January 2022

& how they can use it in much refined ways?

SABA TRAVELS

Bury Is Building an Industry for End-of-Life Planning

Key reasons why philanthropy is a necessity for Entrepreneurial goals

LOGISTICS CHALLENGES FACED BY CANADIAN SUPPLY CHAINS

CANADA’S ROLE IN ALLIANCE WITH UNICEF

MEDITATION & THE POWER OF MINDFULLNESS FOR REDUCING MENTAL STRESS

EDITOR'S LETTER Dear Readers, Greetings of New Year 2022! 73rd edition of MBE Business Magazine for the months of January 2022 is here. Editorial team of MBE Business Magazine hopes that New Year bring joy and happiness in your lives. From coast to coast, on 31 December Canada comes together for an evening of celebrations, fireworks and parties. Home to a diverse mixture of cultures and traditions, Canada is a perfect winter wonderland for a fantastic New Year’s Eve experience. This year’s celebrations have been pulled back, with many fireworks displays being cancelled throughout the country due to new variant of corona virus, but we still wanted to make sure that every Canadian stay safe and healthy. In this issue, What On Earth Is Going On? A Conversation with Mr. David R. Mackereth. Creating a road-map for any new business on the basis of established businesses article by Mr. Mansoor Naqvi. Finding the right directions especially in times of confusion this article is shared by Mr. Alamdar Hussain. Why a team leader is actually a team leader & some light on his key responsibilities article by Mr. Mahmood. You will find this issue more interesting and informative as before. As our team have worked tirelessly to bring this issue on digital and social media. We have launched our magazine website. So it will reach to maximum people via electronic media. Your feedback is highly valuable to us, if you have suggestions or comments feel free to call us at 1-866-667-1377 or email us at info@mbeforyou.com to tell us what you think about this issue. For ad placements and marketing related queries, please email us at digitalmedia@mbeforyou.com Thank you, Aurora Zabala, Editor In Chief.

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

CREATING A ROAD-MAP FOR ANY NEW BUSINESS ON THE BASIS OF ESTABLISHED BUSINESSES

SYED MANSOOR NAQVI

PRESIDENT MBE Establishing a new business is really a hard thing to deal with

shall enter the implementation phase not only practically, but

in these current times. Especially when trying to make it look

successfully. What it vitally needs is a proper road-map and

unique in terms of key operations and how to link-up the

dedication.

operations with the other set of operations already active. Why it is important to create a unique road-map is something

HOW TO CREATE YOUR OWN UNIQUE PATH?

that is highly linked up with the business success and

Creating your own unique path not only demands business

certainty elements. You want to be in-charge of your business,

excellence and business intelligence, but it also demands the

so automatically you need to take some immediate and vital

right approach and the approach needs to be a unique one.

steps with regards to this.

Your unique path, is your road-map for success for that particular business and how you can achieve your business

While we have recently established M-Rides, M-Foodz and

goals in the correct time frame. Why time frame matters is

M-Delivery derived from the main stream successful business-

mainly because your set of goals needs to be achieved via a

es, i.e. Uber, Kareem and Skip-the-dishes. The concept again

certain time value in your mind as a business leader.

is simple, hence defines the importance of the uniqueness of business operations apart from its vital road-map. Having an

A unique pathway or a road-map also signifies that your

inspiration from the main stream businesses is something

business goals are hidden and only you know what you want

different than landing on your own business goals that needs

to achieve in what time frame. However, what’s transparent is

to be distinguished. Your road-map doesn’t only have to be an

the way you will achieve that target which might be hard as

admirable one, it also needs to be a unique one as well in

well. Your best contingency plan or a ‘Plan-B’ shall always be

terms of what business objectives you are looking for. Aside

vital in your efforts to get to your business targets anyways.

from the business goals, there are the profitability margins

However, the commitments and the dedication level shouldn’t

along with the time frame in which you desire to achieve

be compromised upon.

them. Don’t forget, the business world demands success with time, as ‘time is money’ in the business world and can’t in any

The ‘focus level’ that you might achieve, let’s say in a period of

way be sacrificed.

five months shall definitely show the intensity of your business goals. It also determines how well you can utilize

Establish a desired plan, how to work on the plan on a daily

the resources to get to your targets.

basis, the team involvements and the execution. Finally, what’s most important is to set a date in your mind, the plan

MBE BUSINESS MAGAZINE JANUARY 2022

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

MAKE A PLAN-‘IDEAS MATTER’:

Achieving concurrent team planning is a vital ingredient as

Make a good plan for at least the time frame in which your

concurrency is highly desirable while managing more than

company can get to profitability, i.e. the Pay-back period. A

one business or business operations.

plan is a set of directions that helps in getting you to what you want and how you want it. Even if you won’t be able to

THE EXECUTION PHASE- ‘MAKING IT COUNT’:

achieve your targets, you would have made a mark in the

As soon as the plan enters the execution phase, you have to

industry that shall become a potential source of inspiration. In

make it count for bigger and better results. It is indeed the

most cases a plan always becomes a useful guide to achieve

most key phase or part of your road-map, thus, it might not be

the business targets, despite the many obstacles. You must

the first one. The execution needs the highest success levels

stick to strict compliance with your targets.

as your investments are highly dependent on the execution phase also known as the ‘implementation of key operations’.

HOW TO MANAGE THE TEAMS: Team management while establishing a new business,

Don’t compromise on the execution part as the deliverables in

demands discipline and dedication apart from proper

a plan are largely dependent on how well the plan is executed

planning. Your team management abilities always helps in

with the right value set for the time frame.

gaining the advantage you have always been looking for. Your minds that needs to be achieved. For example, in next three

SET OF DATE IN PLAN- ‘PRE-DETERMINED SUCCESS AGENDAS’:

months, you are planning that your new business should be

You should in every way have a set date in your mind or on

launching in the media advertising field. Obviously, you than

paper on which the business will finally see success. Impor-

need to design a team according to a planned three months

tantly, as an entrepreneur you need to be more predictive with

target with regards to your advertising goals. In most cases

regards to the results you need.

team needs to be motivated and should have targets in their

known as an ‘advertising plan’, it should hold all the key guidance that is required for good implementation.

MBE BUSINESS MAGAZINE JANUARY 2022

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

Why A Team Leader Is Actually A Team Leader & Some Light On His SYED MAHMOOD NAQVI Key Responsibilities Vice President | MB Enterprises

How a team leader is really a team

A major quality or the dynamic

working and who is just ignoring work

leader & what are the key responsibili-

attributes that a team leader must

and thinking that their leader is just

ties that he holds? A team leader

possess is to evaluate a person or a

not capable.

holds vital responsibilities in his

situation in the best way possible. The

capacities to choose the sub-ordi-

team leader's opinion for a person or

nates & his key members & how well

a situation shouldn’t be just based on

HOW TO BE AN EXAMPLE AS A TEAM LEADER?

they can be utilized. It’s not enough

assumptions or facts that are not so

Being an example means you know

that the team members are making

worthwhile. At the same time the

your responsibilities and you also

the team leader happy somehow or

judgements shouldn’t be based on

know how well to lead from the front.

through buttering up or usage of good

some personal likings and being

A team leader’s attitude to lead from

words & gifts. What’s best is to make

biased. However, they should be more

the front and to lead by example is

sure that the team members prove to

geared to the real facts and based on

just something that gives him the

be hardworking and highly sincere in

past records and performances. The

moral boost to lead effectively. Being a

terms of their responsibilities. A team

capacity to evaluate and keep a

leader is someone who knows how to

leader knows well how to use or utilize

judgement is one of the vital assets

lead by example and knows how

a person in terms of his vital attributes

that a team leader possesses in the

much work has to be done. That is the

and roles.

corporate world. Lastly, or being the

true sign of a responsible team leader.

most vital attribute is to find out who is

This enables him to be more respon-

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

MBE BUSINESS MAGAZINE JANUARY 2022

sive to situations that can change

environment working on the sales

player, otherwise he/she is lacking the

suddenly or certain situations that

floor, knows who should be in the

spirit to stay and work within the team.

have a higher tendency to get worse.

supply chain and who needs to be on

Being a key player means you know

floor. Importantly, he also has a good

what actually you are up to and how to

idea who needs to be trained on the

handle tasks in light of the available

TACKLING DIFFICULT SITUATIONS:

cash register and who seems to be

resources.

While tackling the difficult situations, a

better suited for the i.e. cash handling

It’s the spirit of a team member that

team leader undergoes many challeng-

and collections.

should act as a catalyst for the team

es and hurdles. All these act like a

leader so that he knows well how that

‘Dress Rehearsal’ for the real show or

At the same time a team leader’s

practice for the situation when it really

capacity to choose his members and

happens. It’s the attitude of the team

his sub-ordinates means vital acknowl-

Thus, the roles and responsibilities of

leader to not lose sight of his goals

edgements for him in the corporate

a team leader highly includes the

even in times of distress or a difficult

world while making useful contribu-

capacity to judge a team player for

situation. The true character of a team

tions. A team leader’s contribution any

sincerity and true corporate values.

leader is demonstrated most when the

ways possible should make him more

team is really down and out & the

useful in terms of utilization of the

team leader brings his team to

mandatory work force.

player can be useful in the future.

competitive levels, all by himself.

UTILISATION OF THE KEY WORK FORCE:

SINCERITY IS KEY IN A TEAM ENVIRONMENT: Why being sincere is so important in a

A team leader knows very well how to

team environment is a very useful

make the best use of his team or in

question? A team demands time apart

technical words the ‘utilization of the

from the utilization of brain and skills

work force or technical resources’. For

dedicated for effective task handling.

example, a team leader in a retail

Sincerity holds the key for a team

MBE BUSINESS MAGAZINE JANUARY 2022

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

Finding The Right Directions Especially In Times Of Confusion SYED ALAMDAR HUSSAIN Country Head - MB Enterprises

In the times of confusion and uncer-

which determines your direction which

solution and the way out from a place

tainty its best to find the right

you tend to lose. This is something

where you seem to be lost, e.g. in

directions as it can get really difficult.

that is very obvious, as you are

times of lockdown.

Yes, we are talking about situations

undergoing a scenario where anything

like the pandemic where things can go

can happen as your mind is confused

WHY FOCUS IS THE KEY?

from bad to worse if they are not

due to external factors. Ironically,

Confusing scenarios can even arise

catered with due significance. Stress

finding the right direction is not only a

due to some unpredictable circum-

is one of the most common things that

necessity, but a high level priority that

stances in your life that might be

can arise in confusing times and can

determines your focus along with

personal. This is apart from situations

even lower your self-esteem in more

directions. This is similar to the fact

that can arise due to a pandemic like

than one way. Under more critical

that you are on the way to a long

COVID-19, the recent disease that

circumstances it can even hurt your

journey, and suddenly you seem to be

has caused severe depression and

confidence to strive for your goals.

lost. Hence, the best way is to relax,

devastations in the whole world.

pull your car over to the side of the Keeping a vigilant and a good eye on

road and have a look at your naviga-

Why Focus is the key? A common

your targets is a necessary part of

tion device or look at a map. One thing

question that one should keep asking

your training & future developments. It

must be clear in your mind, that

themselves to restore life and life

obviously is good to find the focus

finding the right direction is the only

patterns as normal. Bringing normality

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

MBE BUSINESS MAGAZINE JANUARY 2022

is the most important thing that one needs to achieve first,

RESTORE YOUR LIFE & IMPORTANCE OF PLANNING:

before going for the restoration process. Focus is therefore

Restoration of your life back to normal is a necessity as we

the most important scenario as it determines how to move

have discussed earlier. Having said that, the true and

forward in circumstances that can hurt you emotionally. Apart

acknowledged importance of proper planning can never ever

from emotional hurt, it can even hurt financially as the

be denied. Planning, especially improved and standardized

pandemic has proved since it started last year.

planning always helps in the restoration process and gives you a vision for the future. As a person working in a good

Start focusing from your mind while you constantly bringing

role, always keep in mind that restoration not only makes life

out the magic of your mind. The mind is no doubt one of the

sustainable, but increases the level of motivation more

most powerful tools that can be used effectively to take you

effectively which also effectively helps in future contingency

out from extreme scenarios. Just keep focusing until you get

planning & determines artistic ways of making a ‘plan B’. This

out of the situation effectively and efficiently. Focus helps

is something that really helps in determining alternate

everywhere but in most situation & circumstances it is

directions for your journey’s success.

possibly the only solution.

DIRECTIONS ALWAYS MATTER IN THE LONG RUN:

HOW ‘PLAN-B’ BRINGS YOU OUT OF CONFUSION? We have heard the term very commonly used and is also a

‘Directions’, the thing that matters in your journey to success.

term that means alternate planning. It is in many ways a key

This is just the way directions matter on your journey towards

aspect that brings the mind out of a confused state. A key

a certain place. They act as a compass that helps in showing

aspect in project planning, it also reduces the chances of

you where you need to travel, i.e. in which direction you

failure and minimizes the risk factor involved. Making an

should focus. They not only determine the goals, but the

alternate plan, e.g. ‘Plan B’, has transformed the planning

directions also determines the pathway. Just as they say, ‘The

phase into being more professional & systematic.

road to success is always under construction’. The main key reason for this is the way you tend to focus on the directions.

Contingency planning makes you keep your focus bright

They always determine how far you are away from success,

towards the right directions & why directions matter in the

and whether your route is the most correct one or not. They

long run. Hence, they are part and parcel of the challenges

also focus on your hindrances and gives you the power of

involved.

reasoning and asking yourself the question ‘‘How far are you away from your victory?’

MBE BUSINESS MAGAZINE JANUARY 2022

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

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

DAVID RALPH MACKERETH dmackereth@canimac.com

Dave: (continuing) “A single cell consumes around [1 with 7

(Sensing that this conversation is not going anywhere, Dave

zeros] molecules of ATP [adenosine triphosphate: carries

starts recalculating the projections in his head. Albert,

energy] every second.” (18) “The mitochondrial inner

persistent, just keeps on talking …)

membrane has an electrical potential of about 150 -200 millivolts. As the membrane is just 5 nanometers thick, […]

Albert: There have been many very astute Earthling philoso-

this translates into a field strength of [3 with seven zeros]

phers and scientists!

volts per metre, equal to a bolt of lightning.” (18) Dave: We understand your self-confidence, but do wonder Albert: And yet we are not aware, nor notice most, if not all, of

where it comes from. I mean, not much has developed since

this extremely busy action going on within us?

clairvoyant Pythagoras (d. 495 BCE) stipulated over 25 with two zeros years ago: “All physical things the stars and the

Dave: Basically, “The anthropocentric view renders impossible

universe, are mathematically related.” And, “Almost all

the management of [Earth] with [7 with 9 zeros] intelligent

[Earth’s] history’s great philosophers never married.” as

creatures that each consume 100 times their metabolic

commented on by the American author David Foster Wallace

energy requirements.” (3) “[Earthling] eyes evolved to respond

(d. 2008). This troubles us, as marriage appears to represent

as best they could to ambient light, and the sun is very good

a significant social advancement, according to Earthlings.

at propagating light waves that are between [15 with 6 zeros] and [32 with 6 zeros] of an inch long.” (20) “Of the seventy

Albert: Wow, did not see that coming! “Indeed [we] imagine

octaves of radiation the universe sends [your] way, [Earth-

that a good deal of the mathematical analysis that is applica-

lings] ‘see’ only one – from 360 – 720 nm.” (3) “In order to

ble to the association of particles in solids, liquids, and gases

‘see’ radio waves, you have to use mathematics.” (21)

may turn out to be also applicable to the association [Earthlings].” (9)

Albert: If your information is correct, we Earthlings hardly recognize anything in our Observable Universe. Actually, you

Dave: (genuinely surprised) That is an excellent insight.

are starting to make me feel rather stupid. And I hold the ‘Established Chair’ in the ‘Philosophy of the History of

Albert: (gaining confidence again) Enigmatic, Kurt Godel,

Science’ at Cambrox!

startled us all in 1931 postulating; “[…] any effectively generated theory capable of expressing elementary arithme-

Dave: “[Earthlings] see with [their] minds. [You] go through

tic cannot both be consistent and complete.”

life doing geometry. [You] go through life applying geometry that [you] know on [your] visual world. If something doesn’t fit

Dave: Your physicist professor Joseph Ford (d. 1995) attempt-

that geometry, [you] don’t see it.” (21)

ed to temper Earthlings’ self-assurance, “Chaotic orbits exist but they are Godel’s children, so complex, so overladen with

Albert: (with emotion!) Earthlings are clearly the dominant

information that [Earthlings] can never comprehend them.

species on planet Earth! We have eliminated most natural

But chaos is ubiquitous in nature; therefore the universe is

threats, and are in control of the Biosphere.

filled with countless mysteries that [Earthlings] can never understand.”

MBE BUSINESS MAGAZINE JANUARY 2022

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

Albert: At least we determined the Godel part, and Louis

2014), once declared: “[…] the most fundamental laws of

Vervoot a Professor at the University of Tyumen, Russian

physics are not restrictions on the behavior of matter. Rather

Federation in 2019 helped us all better comprehend Probabili-

they are restrictions on the way physicists may describe

ty theory “[…] the most general physics theory available,

behavior.” Always remembering your intuitive Nobel laureate

more encompassing than relativity theory and quantum

physicist Werner Heisenberg, who in 1958 warned Earthlings

mechanics, which comply with probability theory.”

“[…] to remember that what [you] observe is not nature herself, but nature exposed to [your] method of questioning.”

Dave: That is correct and “The most important questions of life are, for the most part, really only problems of probability”,

Albert: We are cognizant that, “The first keystone in under-

which was determined, in any case, by your French polymath

standing the [Earthling] condition is the concept entropy or

Marquis de Laplace (d. 1837). And John D. Barrow (d. 2020)

disorder, which emerged from the 19th-century physics and

an English cosmologist, clearly brought Earthlings closer to

was defined in its current form by the physicist Ludwig

the ‘Real World’ stating, “If a[n Earthling] ‘religion’ is defined to

Boltzmann.” (5) However, we also fully understand the study

be a system of ideas that contains unprovable statements,

of certain areas of physics can be detrimental to one’s health,

then Godel taught us that mathematics is not only a religion,

as pointed out by American physicist David Goodstein in

it is the only religion that can prove itself to be one.”

1975, “Ludwig Boltzmann, who spent much of his life studying statistical mechanics, died in 1906, by his own hand. Paul

Albert: While we might not know as much as we thought

Ehrenfest, carrying on the work, died similarly in 1933.”

about our own planet or ourselves, you have to concede, Earthlings have been able to uncover many of the Observable

Dave: Always remembering the cautioning remark from your

Universe’s secrets.

astronomer Arthur Eddington (d. 1944), “But if your theory is found to be against the second law of thermodynamics I can

Dave: Yes we agree that you are slowly heading in the right

give you no hope; there is nothing for it but to collapse in

direction. But “Science is built up of facts, as a house is built

deepest humiliation.”

of stones; but an accumulation of facts is no more a science than a heap of stones is a house.” as agreed by your theoreti-

Albert: The laws of thermodynamics are considered, by

cal physicist Henri Poincare (d. 1912). And Earthlings do

knowledgeable Earthlings, as the most beautiful and impor-

have competition, as there are “[…] as many as [4 with 10

tant attained. (self-assuredly)

zeros] earth-like planets in the Milky-Way alone.” (18) Dave: Earthlings certainly need to be more mindful of what is Albert: We have been wondering, “What is the probability that,

actually materializing and transpiring in their surroundings;

purely by chance, the Universe had an initial singularity

“During its picosecond on deck, the quark completes a [1 with

looking even remotely as it does? The probability is less than

12 zeros], extremely tiny orbits.”, and “It takes an electron

one part in [10 to the power 10 to the power 123].” (22) I am

twenty-four attoseconds to complete a single orbit around a

sorry about not being able to reduce that to your ‘Number of

hydrogen atom – a voyage that the electron makes about [4

Zeros Method’. In fact our mathematical physicist Sir Roger

with 16 zeros] times per second. – An attosecond: [minus 17

Penrose (b. 1931), by the way an English man, suggests if we

zeros with 1] of a second.” (20)

were to place a zero (from the above calculation) on every particle in the Observable Universe, you would be way short. “Further, observations of the microwave background indicate that the density was probably once a [1 with 72 zeros] tons per cubic inch.” (23) These are pretty cool calculations, or you may think mere interesting guesses! Dave: Not bad at all from an insignificant planet. “Quantum mechanics makes correct predictions for averages, in spite of having nothing definite to say about individual cases.” (15) However, “[…] it is difficult [for us] to imagine, how [Earthlings] will ever directly observe elementary particles that pop in and out of existence in [minus 22 zeros then 1] seconds.” (3) A very discerning Earthling particle physicist, Victor Stenger (d.

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

MBE BUSINESS MAGAZINE JANUARY 2022

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Canada Ranked Top Nation On Immigration & Investments

DMM DEPARTMENT MB Enterprises

Canada is a country that is ranked second according to the

The NBI or Nation Brands Index measures the reputations of

Anhot-Ipsos Nation Brands Index 2021, also known as NBI.

nations all around the world. This year they measured

These are stats in terms of index that shows the various

approximately 59 nations and derived their survey results

nations brands according to different criteria. Ipsos Mori is a

from approximately over 65,000 interviews. However, the

prominent market research company from United Kingdom

previous year they only did 22,000 interviews and covered

with its headquarters in London, U.K. The results and

over 52 countries from all across the world. The rankings of

statistical analysis of Ipsos Mori is considered to be the most

the nations were based on six categories, i.e. Immigration &

reliable in the international markets and according to most

Investments, Exports, Governance, Culture, People and

recent research conducted based on true evidences. For the

Tourism. The figures that relates to immigration and invest-

very first time vast land Canada has moved to second place

ments category has been the most outstanding, i.e. top spot

on the charts and rankings of Anholt-Ipsos Nation Brands

in terms of results proving exemplary for the Canadian Govt.

Index 2021. Despite being second overall, Canada is a proud nation to get the first place in immigration & investment How well they can cope up with the international student’s

CANADA REPLACES U.K. & GERMANY MAINTAINS TOP POSITION IN THE YEAR 2021:

in-take? Finally, how well can they accommodate foreign

Canada overtook United Kingdom this year to overtake the

workers in their country’s prestigious working class?

second spot while United Kingdom was placed on number

category. It shows how well a country can attract migrations?

two last year and Canada was on number three. According to

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MBE BUSINESS MAGAZINE JANUARY 2022

NBI, i.e. Nations Brands Index reading and measurements

the provinces and territories and yet their immigration

2021 hasn’t proved to be a good year for United Kingdom in

numbers have not gone below the alarming figures. In terms

terms of categories of Immigration & investments & some

of investments and new business opportunities they have left

other categories as well. The main reason being the pandem-

many nations behind as the economy has proved to be

ic that had already dented the economy of United Kingdom a

sustainable enough to bear losses during the times of

great deal taking it to fifth Spot in the overall rankings in 2021.

Coronavirus. A huge credit goes to the Governmental policies

This is especially true with the financial sector and business

and relief programs that has proved to be highly worthwhile in

sector in U.K. that was heavily under lots of threat in the

the recovery & restoration process. Ironically, this is all true as

current year.

results speaks of themselves, especially in investments & immigration chapter.

Germany on the other hand has maintained the top spot for five consecutive years. Canada this year is next only to Germany and the strengths are in exports, immigration, investment, governance, and finally culture. Fortunately, this year Canada got the first place in immigration & investment, which measures perceptions of a nation’s ability to attract the immigration, foreign workers and international students as mentioned earlier.

CANADA’S OVERWHELMING PERFORMANCES IN VARIOUS CATEGORIES IN 2021: How Canada has maintained their immigration numbers in 2021 in all provinces & territories in Canada is amazing to find out? They have imposed and followed strict rules in all

MBE BUSINESS MAGAZINE JANUARY 2022

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ADAPTING TO CANADIAN WORKPLACE CULTURE IN THE MOST FLEXIBLE WAYS DMM DEPARTMENT MB Enterprises

All over the world the work culture

Quebec where French language is

1. EMBRACE DIVERSITY:

varies significantly according to the

common. However, the official

Canadian workplace culture to a

country norms and values, cultural

language in all Provinces and

huge extent demands that you

values and laws. As compared from

Territories of Canada is English.

embrace diversity. More importantly,

one place to another, the differences

Therefore, if you are travelling from a

as Canada is a country which is

might be bigger in magnitude,

place where English is the official

home to people from many different

however, in few it can be lesser.

language or the language most

origins and nationalities coming to

Importantly, it’s an absolute fact that

commonly used in Universities,

Canada for settlement. You won’t be

with flexibility the cultural values can

Colleges and educational institutions.

able to work with flexibility, if you

change and according to the circum-

Then, interestingly, you won’t feel

don’t like to mingle with people from

stances. Work culture should hold key

isolated or left out due to the

diverse origins. Embracing diversity is

values of professionalism

language barrier.

the best way to achieve flexibility

everywhere, but, in Canada it is a major difference indeed.

while at the workplace in Canadian Know yourself the more flexible ways

workplace culture.

in which you can adapt to Canadian Language is not a barrier as in most

Workplace Culture.

2. BE OPEN TO ASK QUESTIONS:

parts of Canada, English is the

If you want to be the ‘Next big thing’ in

commonly spoken language except in

Canada, Be open to ask questions.

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Canadians are very open people and love to answer and solve

4. ALWAYS RESPECT THE RULES:

problems, especially those who are alien to Canadian

Respecting the rules in the Canadian workplace culture is the

workplace culture. They love to make you feel at ease and

most respectful thing you tend to achieve. Rules sometimes

make you relax while you enjoy the workplace more & more.

may seem like ordinary and not making sense. However, still

Canadians also expect you to work independently and freely

they need to be respected and acknowledged as they are the

while you show your creativity and expertise.

legislations that governs a workplace. Organizational rules not only helps in establishing organizational relationships at the

If you have a project or a task in hand, they would love that you

workplace. But, they also help you be an example for others in

get it done the way you like it. However, they are always there

the organizational setup. In the Canadian workplace culture,

to guide you and make you feel easy while performing your

rules vary from one province and territory to another. Moving

task to the best of your abilities.

from within Canada from one place to another province might

3. TRY BEING ON TIME: In the Canadian workplace culture time holds key values that

change somethings for you. These are dependencies that are bounded by rules and regulations that vary from province to province.

binds you and your work together. Your punctuality is key in the eyes of Canadians, as it makes you realize that you have a

5. KNOW YOURSELF MORE INTELLIGENTLY:

responsibility on your shoulders that you love to handle. Your

It’s important to know yourself much more intelligently as we

job pays your bills, rent and other utilities and you must respect

often don’t recognize our own culture until being exposed to

your workplace norms and ethics by giving tribute to ‘Time

different things. You have to notice unusual things at the

Management’.

workplace, rather than taking wrong assumptions. Alternatively, rather than thinking that others are wrong. Do consider the

The most impactful thing in the Canadian workplace environ-

possibility that the difference is due to culture.

ment is the act that is carried usually on time and with sheer importance of responsibilities. While coming to work a bit early and leaving a bit late holds the best utilization of time. In addition to this, going and coming back from breaks and lunch on time is very vital. Shows how you give priorities to your work with the key factor, i.e. ‘Time Management’.

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MBE BUSINESS MAGAZINE JANUARY 2022

JANUARY

EVENT 2022 CALENDAR 1 JAN

SATURDAY

New Year's Day According to the Gregorian calendar, used in Canada and many other countries, January 1 is the first day of a new year. This date is commonly known as New Year's Day and is a statutory holiday in all Canadian provinces and territories.

2 JAN

SUNDAY

Day After New Year’s Day The day after New Year’s Day, which is on January 2 in the Gregorian calendar, is an annual public holiday for many banks and government offices in Quebec, Canada.

6 JAN

THURSDAY

Epiphany

7 JAN

FRIDAY

Orthodox Christmas Day

Epiphany is celebrated in Canada on January 6 each year. It remembers the three wise men’s visit to baby Jesus and his baptism, according to events in the Christian Bible. Mummers or naluyuks may visit homes in Newfoundland and Labrador at this time of the year.

Many Orthodox Christians in Canada celebrate Christmas Day on or near January 7 in the Gregorian calendar. This date works to be December 25 in the Julian calendar, which pre-dates the Gregorian calendar. It is a time to celebrate the birth of Jesus Christ, who is believed to be the son of God.

14 JAN

FRIDAY

Orthodox New Year Many Orthodox Christian Canadians celebrate the New Year on January 1 in the Julian calendar, which pre-dates the more widely used Gregorian calendar. This date falls on or near January 14 in the Gregorian calendar.

17 JAN

MONDAY

Tu B'Shevat (Arbor Day) Tu B’Shevat (Tu Bishvat) is the 15th day of the Jewish months of Shevat. This festival is also known as the “New Year for Trees” and is observed in Jewish communities in countries such as Canada.

MBE BUSINESS MAGAZINE JANUARY 2022

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

CROSSWORD PUZZLE SOLUTION

MONTH DECEMBER

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

MBE BUSINESS MAGAZINE JANUARY 2022

CANADA’S ROLE IN ALLIANCE WITH UNICEF CANADA FOR FIGHT AGAINST CHILD LABOUR

DMM DEPARTMENT MB Enterprises

Canada has a huge role in alliance with UNICEF Canada for

child labor that is highlighted by UNICEF, it is the work that

their fight against the child labor. UNICEF or United Nations

deprives children of their childhood, their potential and their

International Children’s Emergency Funds is the global

dignity, and something that is harmful to physical and mental

organization that fights against the child labor and interest of

development.

children all over the world. The aim of the organization is to children for beggary in poor and developing nations. Apart

1. INTERNATIONAL COMMITMENTS TO END CHILD LABOUR BY 2025:

from this UNICEF also deals with issues of children related to

The world along with Canada is committed to end child labor

education & why children are getting deprived of their basic

by the year 2025. It was a pact in 2015 that the UN member

rights of education since childhood?

states adopted as 17 Global goals for sustainable develop-

fight against child slavery, child labor, child trafficking & using

ment. The goal 8.7 includes the ending of all sort of forced These are facts that are especially true in the developing

labor, modern slavery and child labor by the year 2025.

nations and the underdeveloped economies that can even be termed as poor countries. Education is an issue that UNICEF

The elimination of child labor will be a huge step in address-

is fighting globally on a large scale to reduce the number of

ing poverty, strengthen economies and positively influence

children that are being deprived annually of their basic

education, health & protection systems internationally.

education rights. June 12 is a globally recognized day as the

Bringing an end to child labor by the year 2025 is one of the

World Day against child labor. According to the definition of

biggest international agendas of the UN Member states. The

MBE BUSINESS MAGAZINE JANUARY 2022

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

primary goal is focused highly on the developing world that

responsibility of the private sector that has a big role to play in

are the largest exponents of child labor in this world.

eliminating child labor. This also includes the establishing of

2. CANADA JOINS UNICEF IN THEIR FIGHT AGAINST CHILD LABOR:

legal supply chains and the business practices. Also, providing decent work for young workers while ensuring

Canada is not far behind in the fight against child labor. ILO or

the protection and safety of children. A massive part that

International Labor organization is the controlling & monitor-

companies can play in this regards is through the adoption of

ing body of labor globally. Canada has ratified the ILO

the children’s rights and business principles for the sake of

minimum age convention for child labor which is set to the

respecting and supporting children’s rights.

minimum age of 15. Furthermore, it prohibits hazardous work for young workers. These requirements fulfills the key

4. HOW EDUCATION CAN BREAK THE POVERTY CYCLE?

requirements restrictions that includes age and prohibition of

Education is the basic right of every child who is born today in

hazardous work especially for very young workers.

this modern scientific world. The provision of safe, high-quality and accessible education is an encouragement for families

This is indeed a huge step that Canada has taken towards

to send their working children to school. Thus, a step that if

the elimination of child labor, making education a vital priority

taken by the maximum number of families will definitely break

and ensuring appropriate employment for the youth. While

the poverty cycle and bring education to higher priority levels.

shaking their hands with UNICEF, Canada’s young people

This trend needs to be taken and implemented in the

also have the right to protection from work that is safe.

developing nations with immediate effect in alliance with

Alternatively, something that interferes with school, rest and

UNICEF.

healthy development.

3. HOW BIG COMPANIES CAN MAKE A DIFFERENCE? How companies can make a difference is vital in the role that

The steps taken by UNICEF every day is bringing the world closer to eliminate child labor to reach the UN goals by year-end 2025.

organizations play to eliminate child labor. This is indeed the

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MBE BUSINESS MAGAZINE JANUARY 2022

Factors Influencing Life Insurance Premiums & How They Matter? DIGITAL MEDIA MARKETING MB Enterprises There are many factors that are a key

expectancy and also known as life

risks level can change according to

influence for life insurance premiums.

expectancy variable factors are the

the current health conditions. If for

All these factors determines the

country prosperity, health system of a

instance a person is experiencing high

treatment for life insurance and how

country & finally the climatic

blood pressure or undergoing chang-

life insurance varies w.r.t. age, health

conditions.

es in heartbeat very often. Ironically,

& family history. One of the most

the level of risk can change which

important factors is the age factor and

The key factors and how they can act

means risky. Hence, it automatically

all the key influences that relates to

as an influence for Life insurance

increases the insurance premium

age and life threats. Apart from

premiums:

amount to considerable levels. In case

current health, factors also includes

of a serious condition for example a

medical history, family medical history,

1. CURRENT HEALTH:

heart disease, the life insurance

lifestyle, Hobbies, Occupation, Travel

The most key factor in the list of

application can even be rejected.

Habits, Driving History, Gender and

factors that influence life insurance

finally age. The life expectancy also

premiums is the current health. How

2. MEDICAL HISTORY:

plays a vital role in this regards as life

the current health factor acts as the

A person’s medical history is yet

expectancy varies from one country to

most important one is highly integral

another influence in the insurance

another country according to the

as current health condition can

premium and can be a factor that can

demographics. How life expectancy

change the life insurance premium

influence the change. It is not only the

matters according to demographics is

amount due to the magnitude of risks

current state of health that is of

interesting as the life expectancy has

involved. The level of risk are

concern for an insurer. What counts as

a lot to do with the premium. The key

ascertained while life insurance

a matter of fact is the recent medical

factors that can change the life

premiums are calculated and these

history which is taken into account.

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

The problems that is broken bones and other injuries will be

premium amount. For example car racing is a hobby that can

ignored, however, any conditions that may possibly recur shall

be risky and life-threatening and automatically influences and

be included in the calculations. Also, includes the mental

increases the insurance premium amount. Other such

health issues, if they are not resolved. Medical history means

activities and hobbies also includes skydiving, mountain

how far the immunity lies for a person to die due to any

climbing, or skiing.

previous health condition or record. Health matters or past health records influence the level of risks associated while

6. OCCUPATION & PROFESSIONAL RISKS:

getting to the insurance premium amount.

An occupation is a key determining factor while coming up with the insurance premium amount. This means the level of

3. FAMILY MEDICAL HISTORY:

risks involved with the occupation and what specifically

A family medical history is highly influencing while determin-

matters to the insurer. Occupations that are highly risky in

ing the life insurance premium amount. If the family

terms of life risks are working as a firefighter, police officer,

background has a series of health problems for e.g. heart

and other professions that have a high risk to death are jobs

issues or obesity problems. Obviously, this is something that

that can increase the stress levels.

connects heavily with the insurance premium amount while determining how that family medical history can change or

7. GENDER & AGE:

increases the insurance premium. Yet another concerning

Gender, i.e. male or female, also plays a significant role apart

factor is the level of risk to death that can happen due to the

from the age factor involved. The life expectancy differs from

family medical history.

one gender to another and the difference is vitally obvious according to changing demographics.

4. LIFESTYLE & TRENDS: Lifestyle matters as people want to maintain their rich

The age has a very key role to play in determining the

standards and live according to the society trends. Realistical-

insurance premiums as the lower the age, the lower the

ly, one of the few factors that the applicant has a degree of

premium amount and vice-versa. With the age factor the level

control over. In the lifestyle the habits that are commonly

of risks to death increases as medical fitness reduces

hazardous are smoking, drinking and not getting concerned

considerably.

for the weight issues that affects general health. In case if the applicant is found to have intentionally provided some

8. TRAVEL HABITS & DRIVING HISTORY:

incorrect information. Then, in that case the policy could be

Travel habits and driving history are two key aspects that can

invalid and all claims can be refused.

change the premium amount. The travelling habits should be safe instead of being alarmingly dangerous for a lower life

5. HOBBIES:

insurance premium. On the other hand, a clean driving

An applicant’s hobbies plays a strictly vital role while getting

history always is the best thing for a lower premium. A record

to the insurance premium amount. These hobbies if found

that is accidental is obviously a huge source of high

risky and life-threatening can easily change the insurance

insurance premium amount.

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MBE BUSINESS MAGAZINE JANUARY 2022

NEW YEAR’S FITNESS AGENDAS & HOW TO

ACCOMPLISH THEM DAILY DMM DEPARTMENT MB Enterprises

The New Year’s fitness agendas & accomplishing them daily

weight loss and fitness. Fitness is actually in real terms a

are the two most important things that needs doing if you are

state of mind that is achieved after hours of workout routines

an exercise freak. If exercise, dieting and weight loss are all

in gym and on tracks, but what’s more overwhelming is the

part of your new year’s resolution than don’t have to take the

amount of confidence it generates from inside you. You can

pain of time wastage. Instead you need to focus on a daily

even achieve your fitness targets if you avoid the lift in your

routine to accomplish your exercise agendas and the diet

building and instead take the staircase at least once in a day.

needed for weight loss. Whether, it’s walking, running or

Alternatively, you park your car at least 15 minutes from your

reducing some ounces on the treadmill in the gym and

office to have a good decent walk towards your vehicle while

exercise machine also depends largely on your personal

walking in meanwhile. The motive should be to find ways of

likings. Other good form of weight loss and cardio exercises

weight reduction and sticking to your targets every day in your

includes swimming and spending some good time for your

most busy schedules. It is not only good for your health, but

daily fitness routine.

gives your heart a tremendous boost and an energy that you always loved in your younger days.

No one is monitoring you, in fact, it’s self-monitoring and planning your schedules with a highly responsible mindset for

MBE BUSINESS MAGAZINE JANUARY 2022

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

and faster results. Stop thinking it’s hard to maintain, in fact find better ways to make it more interesting for you. These ways includes usage of the music while you work out, taking a bicycle to work occasionally, and finally feeling the comfort of exercising in different environments. These includes, sometimes in the gym, sometimes at your workplace, and finally sometime in a hotel environment. Just figure out what motivates you to lose weight and look dashing for next summer’s men’s outfits.

DON’T WORKOUT TOO HARD: For weight loss or while starting to maintain a fitness routine, think smartly all the way. Just don’t have to work too hard while you know your limitations. Similarly, there is body exertion that needs to be avoided and instead you must relax while you exercise. A proper routine exercise must always give you the enjoyment that you have been looking for after a swimming session. This particularly means it’s not just workout for you, but you are enjoying your time. Use all the necessary means to reach your gym nearby on time, or otherwise get to your gym straight from your office.

MAKE A NOTE OF YOUR EXERCISE & CALORIES- ‘CALORIE MANAGEMENT’: What’s best is to make a daily note of your exercises with time and your daily calories lost. This is known as calorie management & is a very important part of your weight loss milestones. It will always make you conscious of what you are having in your diet and what you

DAILY ROUTINE – ‘IS IT HARD TO MAINTAIN ONE?’

need to prevent for a good physique and good health.

Maintenance and consistency in a daily routine is one of the hardest thing. Especially, true if you are a corporate worker

Keep looking for better and latest ways of calorie manage-

and your focus is your work and your current tasks. However,

ment from fitness magazines and internet websites. The key

if you feel that this routine is a necessity, like eating your

is you should act responsibly and dynamically to transform

dinner or conversing with your kids and wife. Ironically, you

yourself into one smart individual. Always act better for bigger

won’t definitely miss that as it is indeed in form of a priority

and trusted results.

that is set in your mind. Consistency is something that is good for the results, especially in the field of fitness and exercising. With consistency, you will start enjoying while you start finding the fun, instead of taking that as a work out. ‘Practice makes a man perfect’, hence, the good practice here, i.e. fitness & health exercises can bring much bigger W W W. M B E F O RYOU. C O M

MBE BUSINESS MAGAZINE JANUARY 2022

How Hospitality Industry Is Using CRM & How They Can Use It In DMM DEPARTMENT Much Refined Ways? MB Enterprises

‘CRM’ or customer relationship management is an integral

it’s a formal one or a business one. It truly distinguishes you

part of the hospitality industry. As the acronym of CRM stands

from others as it highlights your class in terms of what are

for ‘Customer Relationship Management’, naturally it is linked

your most wanted desires or likes, even for the little things &

up with the effectiveness of the relationship it holds with the

petty affairs. For example, the kind of food you normally order

customers and how the relationships are being improved for

after a meeting session in the board room or meeting room. A

better results in hospitality business.

set of information and historical data that is in the hotel’s database.

Keeping a record of the previous visits of the customers and highlighting their preferable likes and dislikes is indeed the

The CRM systems in the hotel industry is different from a

way it should be. How it signifies the way customer interac-

CRM system in other industries for example the travel &

tions are being made more important and what preferences

tourism industry. In Hospitality business it classifies and rates

makes the customers come again and again, i.e. their

a customer w.r.t. the treatment he wants and the type of

behavior analysis. The hospitality industry is about the best

rooms he has been using for his commercial or personal

use of facilities and enjoying the comfort of your stay, whether

visits. The most wanted eatables and favorite dishes not only

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

highlights why a CRM is different in use in the hospitality

A GOOD CRM STRATEGY FOR BETTER CUSTOMER RETENTION:

business.

When we talk about customer retention, the focus are good

marks the guests in terms of their food likings, but also

THE EFFECTIVE USAGE OF CRM IN HOSPITALITY:

customers that are ideally most suitable for the hospitality business. Customer engagements & personalized interac-

CRM in hospitality is effective, excellent and outstanding in

tions are the two most effective use of a good CRM strategy.

terms of the usage and the demands of the hospitality

A CRM strategy exclusively signifies the needs for customer

industry. We have no doubt that customer service is the most

retention.

important factor for the hospitality industry. The better you understand a guest, the highly probable it is that he will return

‘The Customer is always right’, a famous saying in the

to the hotel. In simple terms, a good review is always a good

consumer-retail industry, highlights the importance levels

review, and for an important customer, it is termed as a highly

associated with customer retention. However, the focus must

sensitive review. In fact, it is very obvious that the hospitality

be on why a customer wants certain things & how often they

industries are using the CRM mainly for the sake of improving

have got emotional values with some likings. In the hospitality

the customer experiences.

business customer retention mustn’t affect the quality levels associated in the hospitality industry. These are quality

Apart from the many targeted campaigns, the hotels are

assurance standards that are maintained and managed well

using social media very effectively in conjunction with their

by the set of Quality Assurance regulations. In North America,

CRM. This is vitally to engage, communicate, and gather

especially Canada, the retention strategies are maintained

crucial customer feedbacks. As a matter of fact, especially in

and managed by ISO standards, i.e. International Standards

Canada, a customer feedback is given huge importance to

Organization. Finally, it sums it up that there is no compro-

improve the standards and in-case if there is any room for

mise on standards.

improvements. The best thing about connecting a social media account to a CRM is the engagement data. The engagement data is used sensitively and effectively to engage potential or existing customers with a marketing point-of-view. A very useful aspect in CRM strategy is the personalized customer interactions. Personalized two-way interactions are very important as they build the hotel-customer relationships that ideally means better customers retention and repeated visits.

MBE BUSINESS MAGAZINE JANUARY 2022

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

INTERVIEW WITH Niaz Shirazi SABA TRAVELS

MBE BUSINESS MAGAZINE My school teacher was an Oxford Scholar and he had this saying that I still remember and practice to this day. “Education is not merely the super imposition of academic details, but is the all round development of the whole man and nothing but the whole man.” Another man who had a made a great impression on me as well, was the Principal at the Islamia College. Although not an educated man, what he said still resonates with me and is ingrained in my mind till this day. “Education is my motto and illiteracy is my inheritance!”

MBE: How did you get started in the Travel and Tourism industry?

Niaz Shirazi: I used to go to the Karachi Airport to say good bye to my Uncle who used to travel abroad to Geneva to attend the International Labour Conference. While there, I was fascinated by the atmosphere at the airport and would say to myself, even when I was 8 years old, that it would be nice to work for an airline someday. So this was my

MBE: Can you please start of by telling our readers about your

childhood dream! Luckily, after my graduation, during my

childhood and your upbringing?

holidays I got the opportunity of a lifetime. A six month training program with Swissair Karachi. It was the best

Niaz Shirazi: I grew up in Karachi Pakistan. My father was a

training you could get in those days and this training got me

lawyer. A very kind hearted person. You can say he was a

excited and gave me a stepping stone into the tourism

lawyer for the poor. As far as discipline was concerned, he

industry.

was very strict and education was of paramount importance.

MBE: Where did you complete your education and can you please shed some light on the importance of education in this day and age?

MBE: What were some of the early struggles you faced in your career?

Niaz Shirazi: I had many struggles in my career but one thing my dad always instilled in me was to never lose hope. He told

Niaz Shirazi: I grew up in Karachi and had the opportunity of

me to never despair when something goes wrong and always

going to school in a missionary all boys’ school called St.

look ahead. If you have faith in yourself, you will surely

Lawrence School.

succeed.

I did my intermediate schooling at the National College in

It was a steep learning curve for me before my tourism career

Science and received my Bachelor’s degree in Science from

started. One of my first jobs was with my uncle in the food

Islamia College in Karachi as well.

industry in the shipping department of a food exporter.

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

I did not have much success as every day was a struggle

In a work environment learn as many skills as possible. Come

because I had to learn from scratch. I had many obstacles in

early to the office. Volunteer your service to all facets of the

my way and although I was able to solve many different

business. Continually read. Observe the handling of passen-

problems, there were many times where I failed as well. One

gers either in person or how a fellow coworker interacts on

thing failure taught me was to be resilient.

the phone. Make sure you have checked all options for your clients and leave no stone unturned. If any newcomer can do

I finally got the opportunity I was looking for. To become an

this as I did when I first started in Karachi Pakistan, you will

agent of Syrian Airlines in Karachi as this was my chosen

surely win your bosses confidence and he or she will no

field.

doubt notice that here is an individual who with time and the proper mentoring, will be ready to step in his or her shoes.

I had very good training. I started doing everything from sales, reservations, ticketing and airport duties. It was an uphill

MBE: Can you please shed some light on the current issues

battle, sometime even being laughed at by fellow travel

the Travel industry is facing in Canada and Internationally and

agents, but through hard work and determination and

where do you see the Travel industry heading in the next few

starting with zero sales, I was able to, in four years’ time,

years as so far as this field is concerned?

reach 2.5 million Rupees per month in sales.

Niaz Shirazi: The travel Industry is under tremendous That was one of my biggest achievements in life and I am

pressure and is facing a huge challenge with the forever

forever grateful to my father who always supported me no

present COVID-19 and now the different strains of the virus.

matter what I decided to do with my future.

The airline industry has been one of the hardest hit industries.

Although I had the opportunity to attend law school during this period, my destiny was and is the Travel & Tourism

Some airlines have declared bankruptcy and/or laid off most

industry which was my childhood dream.

of their staff while some travel agencies no longer exist.

MBE: How did you progress in your chosen field and what

Travel & Tourism has been hit hard both locally and interna-

were the keys to your success?

tionally but remember, it will always be survival of the fittest and never give up as I never have nor will I ever.

Niaz Shirazi: I progressed slowly in my chosen field as I worked very hard from 7 am to midnight every day.

It is important for today’s travel agent to pivot their business in

There were a few key factors that contributed to my success.

tough times, keep themselves busy and stay afloat. I have

I was always a people person. Always had good PR (public

had to divert my business in order to survive during these

relations) skills and I knew how to make friends with clients,

unprecedented times. Airlines may think like many others,

airlines, immigration, custom authorities and airport handlers.

that they can get rid of the travel agent. I am here to tell you that they can’t do without us. They should be grateful for the

One of the most important factors in winning business over

many years of support that we have provided them. Through

my competition was during my sales calls, I could give the

thick and thin, we have been their back bone. Do not write us

cost of transportation on the spot due to my training I had

off!

with Swissair. The travel industry will bounce back within 2 to 3 years and

MBE: What advice do you have for young people that are

passengers are coming back to dealing with travel agents.

looking to get started in your chosen field of expertise? The

When they call the airlines, generally speaking, waiting time

same industry that you have been so successful in!

could potentially be up to 2 hours compared to the travel agency where you get that personal hands on experience.

Niaz Shirazi: I have personally trained about 12 managers

The internet can’t offer this!

who have come from abroad giving them their first Canadian experience. Schooling is very important. Take a course in

MBE: You have worked in this field for many years. Can you

school that caters to the travel and tourism industry. Second-

please tell us the importance of a Travel office and Tour

ly, join a good organization and if you have to, volunteer to get

Operator vs the Internet era?

firsthand experience.

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

MBE BUSINESS MAGAZINE JANUARY 2022

Niaz Shirazi: We have always maintained a positive and a

Niaz Shirazi: Here are the major differences between our

very good working environment in our offices since 1984.

service vs Tourist’s booking on line:

They say your first impression is your last impression. Imagine yourself walking into two different offices; the first

1. You can talk to a live agent vs No one to talk to

one, decorated nicely and the other just rather ordinary.

2. We have been where you want to go so we have firsthand

Aside from price, it is human nature to want to be seen in the

experience vs rely on pictures and reviews which don’t

nicely decorated office vs the rather ordinary one. This was a

always show the proper picture.

major reason why the Airlines, even up to now, spend quite a

3. We are available 24/7 to solve problems vs dealing with

bit of money in order to make their offices attractive, not only

someone during business hours who has no relationship to

for their clients but for themselves as well.

you. You are just a name!

However dynamics have changed and people are using the

MBE: What common mistakes do people experience while

internet to book their holidays. No matter how well the

travelling?

process for booking holidays is handled, the client will always feel better knowing there is an office and people behind their

Niaz Shirazi:

booking in times of need.

1. They do not check their documents properly! 2. People find their passports have expired when an emergen-

The Internet has taken away business!

cy arises and air travel is required.

Not only from travel agents but from other businesses as well.

3. People don’t give themselves enough time when arriving at

The problem is, we have become so reliant on the internet

the airport. Arrive early enough to avoid the long line ups and

that most if not all businesses can’t function without it.

allow yourself time to relax before boarding. 4. People leave many things to the last minute and often feel

So travel agents are competing against the Airlines who were

rushed and are easily flustered.

originally their partners against the World Wide Web. Web based travel providers are a faceless entity with no one to talk

MBE: How do you like spending your time away from work?

to whereas we, travel agents also provide similar fares for

Do you have any hobbies and personal interests you would

passengers but most importantly are connected to the client

like to share with our readers?

when they need us the most.

Niaz Shirazi: It is very important to spend time away from work and make your life interesting. You must enjoy whatever

MBE: How has the COVID-19 Pandemic affected your

you do and have fun doing it, otherwise it will impact your

business internally and externally and will the travel business

business. As a result, I enjoy talking to my clients about

ever be the same again?

themselves.

Niaz Shirazi: COVID-19 Pandemic has affected the travel

I have many hobbies. I enjoy music, singing and cooking. My

business the hardest. One had to fight to survive seeing many

personal interest are related to the sporting field where I

businesses close down. Internally, depression set in for

played Cricket, Field Hockey Athletics and Soccer. After I

management as well as workers. People had no idea where

finished playing, I became a soccer coach, coaching my three

their next pay check was coming from. Externally, suppliers

sons, Bilal, Nadir & Arsalan and now enjoy coaching my

abroad have also suffered as business took a nose dive for

grandchildren.

almost two years.

MBE: Can you please end by leaving a message for our The travel business will come back in stages. Leisure travel

readers and others in the community?

will bounce back quicker than corporate travel as the corporate world is dealing with the phenomenon of zoom meetings

Niaz Shirazi: I would like to thank my readers and everyone in

and wondering how they ever survived without it. We are

the community for supporting me and my company as well as

hopeful travel will bounce back but the recovery process will

all my clients and well-wishers. Without your trust and

take time.

patronage, we will not be here.

MBE: Please provide some differences your service provides as compared to tourists booking online?

MBE BUSINESS MAGAZINE JANUARY 2022

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

CROSSWORD PUZZLE

HAPPY WINTER HOLIDAYS

ACROSS 1 Gardening or plastering tool 7 Not the brightest bulb (2 wds.) (4-3) 14 Zimbabwe’s capital 15 Edible ear-shell gastropods 17 Asylum seeker, perhaps 18 Eight-day Jewish holiday 19 Jet _________ 20 Cousin of reggae 22 Simple top 23 Hot temper 24 Purim’s month 26 Frosts, as a cake 28 Computer capacity, informally 29 Domesticated 30 Cries at fireworks 31 Tableland 32 Oklahoma city 33 In the style of 34 Receipt listings 35 Religious holiday that celebrates a birth 38 Rip-offs 40 “You’re _______ much!” 41 Exasperates 45 Standard 46 Popular office plant 47 Speaker between Tom and Dennis 48 Lock and ________ 49 Hightails it 50 Like some doors 51 Three-time Hart Trophy winner 52 Court do-over 53 Go (for) 56 “Seinfeld” celebration period that begins with the Airing of Grievances 60 Create charged particles 62 “_____ Island” (Robert Louis Stevenson classic) 63 Wintertime vehicle with caterpillar treads (2 wds.) (3-3) 64 Small scrap 65 Virgil’s Trojan hero Down 1 Words used to indicate a relatively recent departure? (2 wds.) (3,4) 2 Fast day observed during the

ninth month of the Islamic calendar 3 Paper-folding art 4 Move one’s tail 5 Commits a faux pas 6 Onion’s kin 7 “That’s a laugh!” 8 Lets up 9 Pool and road divisions 10 Chimney channel 11 Chinese cooking container 12 Most black, in a way 13 Non-lethal item in a SWAT team arsenal (2 wds.) (4,3) 16 Tom Jones’s “_______ a Lady” 21 Garlicky sauce

25 Ejection penalty in soccer (2 wds.) (3,4) 27 Censure severely 28 Sicilian port city on a strait with the same name 30 Boat propellers? 31 Extinct flightless bird 34 “Get the lead out!” 36 [Well, let me think about that...] 37 Center line on a stick figure 38 Many suffer from sleep apnea 39 Make less subtle or refined, as conversation 42 Celebrate 43 African American cultural festival beginning on December 26

See previous issue answers on page # 21

44 What “... starts today, not tomorrow”, per Pope John Paul II (with “The”) 48 Room at the top 49 Increase the speed of (2 wds.) (3,2) 52 Thpeak like Thylvethter? 54 Leaning Tower site 55 Stereo knob 58 Chi preceder 59 Put in rollers 61 Oui’s opposite

YOU WON’T RUN INTO ANYONE AT THIS MARKET JACOB LORINC Customers can shop contact free in

This is AISLE24, the fully automated

phone that unlocks the door when the

new fully automated convenience

brainchild of Toronto entrepreneur

device is detected within five metres

store

John Duoang.

of the entrance.

A little shop below a towering

The business began as a novelty

To exit requires a trip to the

condominium 88 Erskine Ave in the

concept in 2015, when Duoang was

self-checkout counter where a

Yonge and Eglinton area, has all the

enlisted by a developer to design an

scanner and computer guide you

makings of a typical Toronto conveni-

easy flowing small grocery store for

through the payment process.

ence store. The shelves are filled with

Students at Centennial College.

basic groceries and household items,

It has since become a rapidly

The stores have the same products as

refrigerated sodas and a generous

expanding franchise tailored to the

your typical corner store, but they

supply of snack foods.

current era of public health restric-

operate on a 24 hour basis without any

tions and shifts in the labour market.

of the usual human interaction.

What is missing, though are people.

The company has four locations in

Duoang, who as a teenager worked

No clerks stocking the shelves, no

Toronto, with eight more on the way

evening shifts in the parents’ conveni-

cashiers manning the tills. Customers

in Ontario and Quebec and funding

ence store, sought to create the

come and go, but the store is tucked

from significant investors.

cashier-less model after working in

away in a basement next to an underground parking lot.

MBE BUSINESS MAGAZINE JANUARY 2022

software technology and learning how To access an Aisle24 store, requires

machines could perform many of the

an app downloaded to your smart-

basic tasks required of retail workers.

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

With his wife and brother by his side, Duoang, crafted a

establish the first Ailse24 at Centennial Place Residence and

franchise that relies on franchisees to lease individual

Culinary Arts Centre. Student hubs are a common testing

locations from the company and maintain its inventory

ground for retail innovation with McGill University partnering

without the help of in-store employees. In essence, he’s

with Alimentation Couche-Tard Inc. to launch a similar fully

stayed in the family business while upending the business

automated grocery store on campus.

model. Aisle24 has grown in scope. The company attracted seed In the corporate world, finding efficiencies are often another

financing from current Dragon’s Den investor Wes Hall and

word used for reducing labour costs. And retail services are

Wayne Purboo, VP of Amazon Advertising.

no stranger to the slow march of automation, which has attracted renewed interest from major grocers and food

In October, it announced new stores around the Canary

retailers facing persistent worker shortages and public health

District, Liberty Village, Leslie and Sheppard and Yonge &

measures.

Queen’s Quay. Duoang also has plans to expand into B.C., Alberta, Manitoba, Nova Scotia and New Brunswick over the

There’s a personal edge to Duoang’s idea. In a way, he has

next two years.

been searching for efficiencies ever since he worked in his parents’ store.

He has also received plenty of attention from certain sectors including hospital and senior care homes. A recent report

His parents were exhausted after working 14 hours a day

found that customer- facing roles in food retail are on decline

and as a result the brothers quickly discovered firsthand the

that has been accelerated by the pandemic, while on line

trial and tribulations of operating a convenience store by

grocery sales have increased 700% since February 2020.

themselves. If his parents wanted to take a holiday, the store

An increase in automation may prove to be one of the

had to be closed for the duration of their holiday.

pandemic’s economic legacies. Businesses turned to technology to keep operations afloat amidst physical

The family business lasted 12 years before closing.

distancing measures and the difficulty in hiring workers as

Duoang came about the idea for Ailse24 after reading an

restrictions lifted, has provided more problems for the

article about vending machine technology in Europe. He

entrepreneur and has provided new momentum for automa-

concluded that the North American conception of a small

tion.

little grocery store needed updating. In 2018, Amazon launched its Go brand, a chain of conveniThe concept became reality in 2015, when real estate

ence stores in the U.S. that operate without cashiers. In

developer Knightstone Capital wrote a cheque for $25,000 to

2019, Sobeys introduced “smart carts”: actual shopping carts

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

MBE BUSINESS MAGAZINE JANUARY 2022

that scan shoppers’ items, track their bill, accept payment

What happens if a shopper is alone in the store and gets the

and let them skip the checkout line. Late last year Dark

urge to see if they really are alone and decides to shoplift a

Horse Expresso opened a chain of “robo-cafes” around

product from the store without scanning it and putting it in

Toronto, autonomous, contactless machines that occupy

their shopping bag hoping not to be notice by the security

street facing retail space and spit out lattes, cappuccinos,

cameras?

cortados and Americanos. Duoang says the stores are designed to track user data, Recent data from Stats Canada indicates record job vacan-

making shoplifters easier to find. The app used to enter

cies in the food industry. In September, the job vacancy rate

Aisle24 locations requires users to enter their credit cards

was 14.4% compared with an average of 12.9% from June to

information and a photo of their face.

August. The data shows the sectors had 196,100 vacancies that month, more than any other sector.

The stores also use a real time analytics system that tracks the user through the camera system and point of sale.

Results from the Canadian Survey on Business Conditions

Maybe, just maybe we’re not all alone as we initially thought.

also showed that more than half of all businesses in the food services industry expected to face obstacles hiring skilled

As food retailers emerge from the pandemic, Duoang

employees. The more businesses struggling to fill store level

expects to see this kind of technology increasingly adopted

jobs, the more they will consider automation.

by grocers and small vendors.

An increased reliance on technology to fulfil retail work has a

“We’ve seen larger companies experimenting with smaller

history of eroding low wage labour opportunities although the

format stores using this kind of equipment. They’re looking

report claims that the loss of those low wage jobs like

toward automation and technology to operate in a profitable

cashiers would be replaced by jobs fulfilling online orders,

way. As markets progress, we’re going to see a lot more of

packing groceries, preparing food and delivering orders. To

this,” he said.

further support the notion that automation has arrived in the grocery industry, the report found a 15% drop in full time positions from 2006-2016. Automation comes with its own set of challenges for retailers. The software can take years to develop. Retailers that use glitch technology risk losing customers, defeating the purpose of their easy flowing ambitions. The technology costs can also be very expensive. For some retailers, it’s still a bit of a challenge to make the business case.

MBE BUSINESS MAGAZINE JANUARY 2022

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

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“We Have Big Ambitions”: How Willful’s Erin Bury Is Building an Industry for End-of-Life Planning

The CEO of Willful just secured funding from her pitch on Dragons' Den. Here, she tells CB how she made it happen.

CANADIANBUSINESS.COM Erin Bury and her husband, Kevin Oulds, launched Willful in 2017, a digital estate planning start-up, after a family member unexpectedly died without a will. Now, their plan is to become the go-to resource for all end-of-life planning in Canada.

everything else in our lives, and we just didn’t see anything

I worked at my first start-up in 2008, but I’m not a born

what happens if you die without a will? Unless you’ve

entrepreneur; I don’t have a ton of ideas. Kevin, my husband,

experienced it personally, like we did, it doesn’t tend to be top

has always been the opposite—he’s the ideas guy. He would

of mind. So we started digitizing the will process.

comparable in the end-of-life space. That was the genesis—and this time I knew the idea would take off. You don’t really learn about estate planning in school, and it’s not something you typically talk about at the dinner table, but

constantly be pitching me and I would say, ‘Oh, that won’t work.’ But his uncle passed away unexpectedly in 2015, and

Kevin quit his job at a cement plant to work on the idea

he hadn’t prepared a lot of the end-of-life wishes that would

full-time. He raised about $100,000 from friends and family,

have been helpful to the family. So they were sitting around

hired a software developer to build out the platform, and

discussing if Uncle Dave wanted to be buried or cremated,

found estate lawyers to partner with to build out the legal

and wondering where the important papers were stored.

content. At the time, I was running a marketing agency that

Kevin said, ‘There’s got to be an easier way to compile this

worked with tech start-ups, so I invested and came on board

information so that families don’t have to sit around going

as an advisor. After working on the development of the

through what we’re going through.’

product for about six months, the company launched to the public in October 2017. I joined the company full-time in April

When he looked into the will and estate planning space, he

2019, and right away we hired our first full-time employee, our

found that it’s pretty antiquated: It was really dominated by

chief technology officer, who is still with the company today.

lawyers, in-person appointments and paperwork. We were using Wealthsimple, Airbnb and all of these digital tools to do W W W. M B E F O RYOU. C O M

MBE BUSINESS MAGAZINE JANUARY 2022

business valuation. This year felt like the right time because we had expanded into eight provinces and formed partnerships with brands like Allstate Insurance. We were also actively looking to raise funding, so it was kind of the perfect storm. We made a deal with Michele Romanow, who makes the most sense for us since she is a digitally focused ‘Dragon.’ While we didn’t end up doing the deal that we made on TV, we ended up raising a $750,000 convertible debt round. A lot of deals from the show don’t go through, so we’re very happy to say that we did a deal on the Den and Michele is now an investor. We’re super happy to have her along for the ride. I think the biggest opportunity for us is wills becoming fully digital [documents]. On December 1, 2021, B.C. became the first province in Canada to allow for the electronic signing of wills and online storage of wills. In every other province, you still have to print a will, sign it on Our biggest focus over the past four years of building Willful

paper and store a physical copy. We just launched a partner-

has been education: Half of my job is educating people about

ship with DocuSign and a pilot program for digital wills in B.C.

wills through speaking engagements, media interviews and

We’re hopeful that other provinces, like Ontario, will follow

content on our platforms, like videos on our YouTube channel.

suit. We really want to be the leader when it comes to fully

The other half is, once people decide that they want a will,

digital wills in Canada, but not just wills—other digital

then making Willful the obvious choice. We really want people

end-of-life planning products, like asset lists and funeral

to know that you don’t have to be old, rich and on the verge of

planning. We have big ambitions for becoming the first

death to need a will. It’s really one of those things, like life

consumer brand that’s synonymous with end-of-life planning

insurance, that you put in place as soon as you have people

in Canada. Wills, to us, are really just the start.

that rely on you. The earlier you have it in place, the better off your family is if the unexpected happens. And I think COVID proved that the unexpected can happen anytime. “You don’t have to be old, rich and on the verge of death to need a will” As entrepreneurs, Kevin and I watched Dragons’ Den. Applying for the show was something that was always in the back of our minds, but you don’t want to go on until you actually have the metrics and the success to back up your

MBE BUSINESS MAGAZINE JANUARY 2022

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

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Key Reasons

Why Philanthropy Is A Necessity For Entrepreneurial Goals DMM DEPARTMENT MB Enterprises

Entrepreneurial goals and targets are a necessity to attain

just talking about common people, but the entrepreneurs and

looking at the magnitude of business and stakeholders

wealthy business owners. One of the most important &

associated with it. The number of people associated with a

reliable members of the society, i.e. the business class.

business is highly dependent on the business growth every year. While all this is true nobody can deny the fact that how

BUSINESS IS NOT ONLY ABOUT MAKING MONEY:

philanthropy is so much linked up with entrepreneurial goals.

It’s not just only about making money and dealing in massive

This has a lot to do with the sustainable developments

profits, but also being a thinker out of the box. Making a

involved in a business and CSR, i.e. Corporate Social

goodwill or a good name in the society is always a profitable

Responsibility elements required.

scenario. A goodwill is something intangible, can never be seen, but in business terms it’s an image, and in branding it is

We all are well aware of the famous saying, ‘Charity begins at

known as a ‘Brand Image’. An individual identity or a name

home’ something not to do with charity, but with the fact that

that counts & holds many key significances.

everything starts from you. Similarly, in a quest to earn and learn and make money from money, it’s important indeed to

As part of the CSR or Corporate Social Responsibility goals,

serve the people and society via philanthropy. An act of

it is your right to invest or make key investments when it

goodness and kindness that highlights your goals more

matters the most. Yes, we are talking about key sustainable

clearly and your agendas intellectually in the eyes of people.

decisions taken at the right time while reaching the sustainable agendas at the same time. For entrepreneurs the philan-

One of the richest people in the world, i.e. the most success-

thropy shows the good side of the business man and his

ful businessmen are all philanthropists and people who run

ideas to help people while he makes a big empire. What more

charities for many sustainable reasons. To name a few, Bill

can he do for the society and the degree or extent to which

Gates, the owner of Microsoft, Warren Buffett, CEO of

an entrepreneur can achieve both his entrepreneurial as well

Berkshire Hathaway and many more who have made a quick

as CSR agendas. Philanthropy gives an entrepreneur

and sustainable name in the industry just because of their

satisfaction and a collective thinking for goals attainment.

business goals. Engaging in activities related to Philanthropy and humanitarianism is indeed an act that helps the society

How philanthropy helps apart from business goals is as

prosper and survive in times of financial crisis. It shows the

follows;

amount of intensity associated with business man & entrepreneurs to help others with a humanitarian cause. We are not

MBE BUSINESS MAGAZINE JANUARY 2022

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

1. GIVING WITHOUT EXPECTATIONS:

whether they are your problems or issues linked with you

Entrepreneurs are rich and brilliant people and they are

indirectly, but someone else’s problem. They can also be your

bound to do things without expectations. The potential to give

employees’ problems that needs to be addressed, while you

without any expectations also shows the strength of the

have a decent know-how of the employee retention

business and how sustainable it is. It also creates a positive

strategies.

mindset and being consistent in giving always proves good for the name. The positive outcome shows in personal and

4. SOME LESSONS ARE NOT FOUND IN TEXT BOOKS:

professional life of an entrepreneur. Thus, the goodwill

There are some key lessons of practical life and business that

created is always a bonus not only for business goals of an

are not found in text books. Being a philanthropist is one of

entrepreneur, but also for the sake of the name he creates in

them, as it makes you more empathetic and expands your

the market.

thinking. At the same time widens your perspective as these are skills that really widens your vision and scope. As an

2. HELPS IN CREATING A NETWORK:

entrepreneur, it develops in you more skills to invest and not

Networking is always the way forward for business people as

expect profitability.

it trains the mind of an entrepreneur to work with many people of different kind. The network or community always

Ironically, as an entrepreneur you have to be aware of profits

helps as creating a network means you are a practical

as well as losses at the same time, anything can happen.

entrepreneur always looking for links that matters. Thus,

Philanthropy makes you expect less and be more practical as

philanthropy is something that really helps people create a

a business man as something that has to go will definitely go.

network of friends, Co-workers and stakeholders that can be really helpful for future reliance.

3. ENHANCES YOUR PROBLEM SOLVING SKILLS: As an entrepreneur, you have a defined agenda set in mind and you know well how to make use of your problem solving skills. Philanthropy enhances these skills of problem solving W W W. M B E F O RYOU. C O M

MBE BUSINESS MAGAZINE JANUARY 2022

LOGISTICS CHALLENGES FACED BY CANADIAN SUPPLY CHAINS DMM DEPARTMENT MB Enterprises

The Canadian supply chain has been

losses attached to supply chain and

and cost of a supply chain activity

since some years facing logistics

operations. Another challenge

and finally what it costs to the

challenges that can be a cause of

attached to supply chain is the

consumer. Thus, the challenges are

huge hindrance in supply chain

environmental issue that is indeed a

directly linked up with the customer

activities. These challenges are

cause of massive concern for the

satisfaction aspects.

heavily related to supply chain

suppliers.

operations, work force, and weather

The following are some of the key

being the top three. Weather

Involvement of people in the supply

challenges that are witnessed in a

conditions in Canada, i.e. all over the

chain, i.e. finding the right talent is

supply chain. They are as follows;

country are mostly cold, especially in

itself one of the biggest challenges in

the winter season. This is a huge

Canada. This is a primary concern

1. THE INVOLVEMENT OF BIG DATA:

hindrance and a massive cause of

mainly due to the time factor as

The involvement of big data in supply

supply chain issues and becomes a

supply chain is all linked up heavily

chain management is a norm. This is

challenge especially when the

with time and timeliness. Whether its

particularly true in a tech driven world

country is all covered in snow.

Amazon supply chain delivering

where data and analytics play a

Unexpected weather can change

home deliveries from their warehouse

massive role in making huge supply

many things dynamically and can be

or a Walmart supply chain that

chain operations extra efficient. This

a cause of changes in the supply

demands success with time and

is thanks to Real-time analytics as

chain activities. Thus, it becomes a

money factor. With the passage of

customers want to keep a track of

cause of contingency planning that

time, i.e. an interval of few hours or

their purchases. In fact they have

becomes necessary to avoid the

even minutes, can change the value

pushed in the past and continue to

MBE BUSINESS MAGAZINE JANUARY 2022

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

push for more efforts for a highly transparent tracking of the

Another key aspect to take care of is the contingency when

deliveries.

planning the shipping routes. This is known as contingency or a ‘back-up plan’ in technical terms and is highly necessary

While it holds so many benefits and advantages, there are

to avoid any weather disruptions or troubling weather.

some negatives or challenges that are associated with big

Adapting to the situation accordingly becomes a necessity as

data. For example, the shippers and receivers must now

there is very less one can do during extreme weather

constantly track and enter data to update the exact location

conditions.

of freights. Other challenges also includes training employees to perform this act of updating information regularly.

3. IMPORTANCE OF FINDING THE RIGHT TALENT

Apart from this purchasing the necessary equipment that is

Finding the right talent in the supply chain and operations

needed to perform these acts effectively and efficiently.

industry is the biggest key. More importantly, as customer satisfaction is highly wanted and it has a huge dependency

2. WEATHER CHALLENGES:

on finding the right talent. This is especially true for the

In a massive country like Canada, the weather challenges

supply chain managers as companies need supply chain

are a huge challenge. This is especially true with the

managers with a good understanding of different processes

unexpected weather challenges as winter challenges also

in the company that governs their supply chains.

includes snow fall and hindrances in supply chain activities due to consistent and constant snow.

It is also mandatory for the companies to maintain good relationships with the suppliers and the partners. This is

Weather tracking is an important functionality that any

indeed a massive need as more and more companies are

logistics company should take care of as they must have the

now turning towards the concept of private labelling. Another

knowledge and updates of weather forecasts. This is

key area that is looked for effective supply chain managers

especially true in the areas that cover the routes their

are the interpersonal skills. Necessarily, without the interper-

shipments will soon be taking. Having a trust on the logistics

sonal skills the ability to adapt to the processes of other

business that excel in the anticipation of the weather

companies and stakeholders can become challenging.

challenges is always a bonus point. Importantly, as the

Hence, if the managers lack interpersonal skills they are

sellers can be assured with peace of mind that their products

bound to fail as good managers.

EMPLOYEE EMPOWERMENT’

will be delivered to the destination in timeliness, regardless

of the weather. The anticipation really counts as it is indeed a huge factor in determining how the weather is going to play soon.

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MBE BUSINESS MAGAZINE JANUARY 2022

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MEDITATION & THE POWER OF MINDFULLNESS FOR REDUCING MENTAL STRESS DMM DEPARTMENT MB Enterprises

Meditation holds many benefits that

patterns in much better and aligned

while you breathe-in and breathe-out.

are good for the mind as well as for

ways.

Set yourself a timer for at least 15-20

the rest of the body. Especially, if you

minutes while you sit in a quiet place

are tired and needs to relax for a

Your brain controls all the activities

and start thinking. Your brain is truly a

better night’s sleep. It is the habitual

that you do every day and this is in

powerful and an effective tool that

process of training your mind in order

addition to the way it controls your

you can use to achieve your targets

to focus and redirect your thought

whole body. It really helps in reducing

more eagerly and effectively. Use

process. The popularity is increasing

mental stress and make your mind

your brain in time of meditation to

on every passing day as more people

peaceful and your thoughts more

relax and how can you achieve what

tend to discover its many health

refined. Sitting in the posture of

you want from life.

benefits. Simply aligns your thought

meditation and your eyes closed Meditation helps you make your subconscious mind much stronger and make you say again and again, ‘That you can do what you have in mind’. It helps you realize that your vision and your goals are bigger than anything for you. You should in all possible ways know what you want from life, but you should meditate

MBE BUSINESS MAGAZINE JANUARY 2022

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

hard to bring out the magic of success from your own mind.

improvements in attention and clarity of thinking may also

Make yourself believe that your mental barriers are not big

help keep your mind young and energetic.

enough for you and you can achieve anything. Health benefits of meditation;

While fighting the normal age-related memory loss, meditation can partially also improve memory in patients with

1. REDUCES STRESS:

dementia. A very common mental health issue that originates

Stress reduction is the most common reason why meditation

from Alzheimer’s disease and is a form of partial or full

is used all over the world to bring the mind to peace. The

memory loss.

mental and physical stress can cause the stress levels to increase the stress hormone known as ‘Cortisol’. This is

3. HELPS IN IMPROVING THE CONCENTRATION LEVELS.

dangerous hormone and can have many harmful effects of

Meditation and its various styles have all over the world

stress. Thus, causing sleep problems, promoting depression,

helped people improve their concentration levels and mental

increased blood pressure and fatigue. According to a study

alertness. An alert and attentive mind is the fulcrum of your

that lasted for 2- 2.5 months in Canada, a meditation style

thoughts every day, and helps you trigger your goals while

known as ‘mindfulness meditation’ reduced the inflammation

you chase them like a Cheetah. An average concentration

response caused by stress. Meditation for mindfulness is the

time for an average mind is 50-55 mins, however with

best way that a mind is diverted to a peaceful mental state

meditation it can increase to few minutes. Meditation helps

and enriches the power of subconscious. Also makes the

your attentiveness and focus to much higher levels, whether

thought process and reasoning more powerful and more

you are driving to work, or working on your next project as a

positive.

newly assigned project manager.

2. REDUCES AGE-RELATED MEMORY LOSS:

A study conducted on meditation showed that people who

Meditation, especially meditation for mindfulness reduces the

regularly practiced meditation performed better on a visual

age-related problems that are most associated with memory

task. Furthermore, they had a great attention span than

loss. This problem in terms of medical is known as ‘Amnesia’

those without any meditation experience. Meditation for a

and is found commonly in people after the age of 55-60. This

small amount of time everyday is much better than doing it

differs demographically from one place to another, more

for 2-3 days in a week. Another vital study on meditation also

importantly from one country to another country. Bringing

showed that meditating for at least 12-13 mins per day enhanced attention and memory after 2 months. Having said that, its consistency that is the key while you meditate.

4. MEDITATION HELPS IN GENERATING KINDNESS: The necessity to be kind and to overcome your evil thoughts and sentiments can become important for you. Metta, a kind of meditation is also known as loving-kindness meditation begins with the developing of kind thoughts and releasing negative energy. It also helps in increasing the people’s compassion and kindness towards people while thinking positive. All in all, helps you be more positive and thankful towards the blessings of God, by thoughts and words. The study also claims that the higher amount of time people spent in ‘Metta Meditation’ practice the more positive feelings they experienced.

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

MBE BUSINESS MAGAZINE JANUARY 2022

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Northern Financial Group

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Avis Preferred Services

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Travel & Tours

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Budget

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Weston Bakeries

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South Cove Foods LP.

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Canadian Corporate Legal Services

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MBE BUSINESS MAGAZINE JANUARY 2022

Purchasing a Pre-Construction Home or Condo! SYED HASSAN Royal Le-Page, Royal Brokers

As we all know, purchasing a property is one of the most

many options amongst many more to choose from.

important decisions in one’s life. In a property purchase we always have two options, (a) either Resale or (b)

• Ample time to get things in order inclusive of moving,

New/Pre-construction property.

arranging financing and other related matters.

Today I will try to pass on my experience & advice to you on a Pre-construction purchase of home/condo.

• Know what you are getting.

There are Advantages and Disadvantages attached to a Pre-construction Purchase. Let’s go into detail:

Disadvantages • Depending upon when you move in, new construction sites

ADVANTAGES

can remain under construction for up to two years after you

• A brand new, never lived in place.

move in resulting in unpaved roads, worker visits and revisits from different trades and the continual noise of construction

• No maintenance issues for the next couple of years.

workers and machines. • Generally, new home sites are far from established

• Under Tarion Warranty.

neighborhoods which could result in lack of schooling options, shopping and amenities.

• Location of your selection. • Huge down payments or deposits are required which could • Options include: Size, layout, exposure, builder, upgrades,

range easily to 20% of your purchase price before closing.

colours, appliances, kitchen cabinets, flooring, carpets, electrical, plumbing and lighting fixtures are some of the

• Generally, builders offer standard finishes when furnishing a home. Any upgrades can cost anywhere from $25,000 to $50,000. This will include the kitchen, hardwood flooring, appliances, granite countertops, paint, height of the ceiling, stone, brick or stucco exterior, tiles, fireplace, lighting fixtures, CAC and CVAC etc. The price of the upgrades usually result in an increase of the initial purchase price. • Closing costs can also be a major factor. A number of hidden and fine print charges appear at the time of closing under the name of - Development Charges and Levies. This can easily range from $25,000 to $40,000. • Sometimes, at the time of closing, a client can experience a

MBE BUSINESS MAGAZINE JANUARY 2022

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

ment charges and different levies clients have to pay at the time of closing. Capping it is a good idea. • Assignment clause in the agreement: This clause gives you flexibility to use other names or sell the property before closing. • Use a lawyer to review your agreement. • Lease during occupancy: For a Condo, it’s an important clause to be in agreement so that the client can lease the property during the occupancy period. • Try to get some Décor dollars from the builder: It helps to avoid the extra burden when negotiating upgrades. difference in bank appraisal and actual price. This will result in clients paying a difference from their pocket. It can happen

• Tarion closing dates; know the options the builder has to

due to many factors, but is very common when the real

extend closing dates so that the client can plan accordingly.

estate market swings up or down between booking and closing timing. • Some issues clients will be faced with when moving in,

Author: Syed Hassan, Broker, Royal Lepage Exceptional

include: an unfinished basement, backyard is not sodded, no

Professional and Educational Background

fencing and driveway is not paved etc.

B.Sc. Electrical Engineer, Real Estate Broker, Financial Advisor, IQCS Certified Lead Auditor & Consultant for ISO

• One of the most important factors for the client to consider -

Management and Environmental Standards, Certified Total

If the client is selling an existing property to purchase a new

Quality Manager.

one and relying on the money from the sale of the existing house, the client can experience problems and pressures

Professional Experience and Afﬁliations

due to any change in the real estate market. The client has

MB Group of companies, Royal Le-Page Exceptional, Royal

made the decision to buy a new home based on the project-

Brokers, American Express Bank of Canada, Budget Rent a

ed price of their existing home. Any downward shift in market

Car, Moody’s, SGS, PIQC.

conditions could lead to your existing home not selling quickly or not getting the price that you thought you were getting.

Key points to look at before you ﬁnalize a Pre-construction House/Condo • Location: Existing Challenges and Future projection of the location. • Builder: Reputation, maturity and experience of the builder. These factors could lead to a host of problems and surprises down the road. • Cost upgrades: Evaluate how much you have to spend of your own money. Most of the time, extra upgrades are not included in the purchase price • Closing costs: One of the biggest factors include develop-

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

MBE BUSINESS MAGAZINE JANUARY 2022

Improve Your Time Management With Time Blocking ENTREPRENEUR.COM Are you having trouble managing your time so that you can get more done during the day?

Time blocking is effective because, unlike an open-ended

Well, you’re not alone in that circumstance. And now that the

rather than worrying about everything at once. As a result,

holidays are here, you’ve really gotta hustle.

you won’t have to waste more time deciding which activity to

to-do list, it allows you to focus on one single activity at a time

begin with. But how do you get the most of this technique? Blocking time is a challenge that many of us experience

Let’s dive into some techniques to maximize your output and

regularly. Failure to effectively manage your time can be a

get the best out of your precious time.

significant source of anxiety. The good news is that there are techniques to deal with this circumstance and lower your

1. Make a list of your tasks and prioritize them.

stress levels.

If you genuinely want the time-blocking strategy to function, you must prioritize your tasks first. This is because the

When this happens, it’s easier to focus on your task without

primary goal of employing this method is to improve time

being distracted, and you’ll be more productive. This boosts

management. Which means you won’t have to waste time

your productivity and allows you to complete more tasks. It’s

deciding which one to tackle first.

also a fantastic method to strike a work-life balance, which is critical for your mental and physical health. So, how do you

And this is when prioritization comes into play. You can

better manage your time to achieve more significant results?

determine which chores in your calendar require greater attention by recognizing the key ones. Putting these duties in

Using the time blocking strategy is the best way to address

the middle of your day is a wonderful usual method to handle

this topic. So let’s look at how to use time blocking to get the

them. For other people, prime time could be different. Your

most out of it. But first, let’s define time blocking in order to

prime hour is when you feel most productive during the day to

gain a better understanding.

accomplish your tasks efficiently.

What Is Time Blocking and How Does It Work?

You become more efficient when you feel more productive. As

Time blocking is the process of arranging your day’s schedule

a result, focusing on your most important chores at this time

ahead of time by allocating specific tasks and obligations to

can help you complete them more quickly.

each hour of the day. It’s similar to making a to-do list, except you know exactly when to do what. As a result, it’s a more

2. Make a copy of your schedule

focused type of to-do list that works wonders for getting

Don’t put this off. Another crucial suggestion for making the

things done more efficiently.

time blocking strategy work is to create a daily blueprint. With

MBE BUSINESS MAGAZINE JANUARY 2022

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

the advancement of technology, you may be tempted to make

lesser duties. Whenever you have to spend your most critical

your calendar using online apps and tools and then consult it

time on a less critical duty you’ll screw yourself over. This can

on your phone or computer.

have a negative impact on your productivity and hinder you from completing your tasks. As a result, no matter how tiny or

However, if you truly want to increase your productivity, print

large any activity is, make sure you schedule time for it

your schedule and set that schedule right in front of you on

separately.

your desk. There are two advantages in doing so. To begin with, every time you look at this plan, you’ll be reminded of

Whether you work in an office or are a home-based entrepre-

the duties at hand and encouraged to do them.

neur, you need a time management strategy to achieve your objectives. Time blocking is one of the most effective methods

Second, you can manually strike them out once you’ve done

you can use.

your duties. This will offer you a sense of success and achievement, and you will be more motivated to keep working

No time for slackers

until you’ve completed marking all of your tasks as accom-

The main point is to just begin on a journey of finding ways to

plished.

become more focused and be able to see gains in accomplishing more on your workload. Time-blocking works well for

3. Make time for minor tasks as well

many people and it’s easy to tweak to fit what you and your

You may not think it is necessary to schedule time for trivial

schedule need.

tasks. Unfortunately, this is a common blunder that most of us commit on daily basis without knowing. If you don’t set aside

A few optimistic souls hoped that the post-pandemic world

time for the less essential chores, you’ll end up using the time

would allow for more slacking off. But that isn’t the case.

set aside for the major jobs to finish the smaller ones.

Today’s hectic lifestyle and business culture demands not any less but more and more focus. Wool gatherers are still waiting

Most have faced the consequence of being forced to make

for their day to come.

sacrifices in your daily routine in order to complete your

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MBE BUSINESS MAGAZINE JANUARY 2022

New Year’s Day In Canada Along With Historical & Global Values

DMM DEPARTMENT MB Enterprises

The New Year’s Day or 1st January is the 1st Day of the

that is taking place in almost all of Canada. Also, it is declared

Gregorian calendar as it is the one followed by most of the

as a good omen as snow brings all the good things to where

countries globally. It is followed internationally in form of

it takes place, especially in the season of Christmas and New

holidays all over the world & yet another start to the year that

Year. Western values are attached to this year, big time as

comprises of 365 days. Geographically speaking, the world

they consider it a refresh button in one’s life, even though a

takes one complete orbit around the sun, i.e. it finishes from

person has passed one complete year of his/her life. For the

where it started initially. However, while speaking in terms of

most ambitious, the New Year’s resolutions holds determining

motivational values, it is the start of a new year bringing with

values in terms of the goals analysis and what they need to

it new challenges and opportunities.

achieve for a better and sustainable future.

The global significance is paramount indeed as in the most

HISTORY THAT RELATES TO THE NEW YEAR’S DAY:

countries of the world the Gregorian calendar is followed

Just the way history is associated to every day, the New

according to which 1st January is marked as the 1st day of

Year’s Day is marked in history as a very important day. Its

the year. Celebrations, parties, gatherings, pictures & family

significance in many countries is marked in form of massive

get-togethers are a norm on this prestigious day which is

shopping discounts & New Year deals that you would adore

historical in terms of emotional as well as cultural values. In

as a shopper who is always looking for new things in their

Canada as well, the day is celebrated with huge passion

shopping list. Not only that, for the people working on an

while in most parts of the country it is winter and snow fall

hourly basis, it’s a day where you can earn double time as

MBE BUSINESS MAGAZINE JANUARY 2022

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

most of the people are on holidays. However, there are still

you want in life. Especially, true as your body is the most vital

few who love to work on that day, just to get that extra mile for

organism that relates to your mind and your soul.

their life journey. It’s a day of enjoyment and family meetings the Canadians. Love is the ultimate feeling that binds people

WHAT GOOD THINGS CAN WE LEARN FROM THE PAST YEAR?

together on this day as well, as they promise to stay with

The past year, since it will pass in a matter of time from 31st

each other in the upcoming year as well.

December jumping on to 1st Jan is worthwhile enough or

with omen of love and faithfulness always making it a day for

not? An analysis of the milestones that you have attained in Surprisingly, the day was observed initially on the 15th of

life is important as your strength is to keep looking for fresh

March in the old Roman calendar. However, the start of the

resolutions every year. On top of this, what are the good

New Year was fixed at 1st January in 153 BCE by two Roman

things you have learned? However, being an optimist it’s a

consuls. Hence, the month was named as Janus after the

necessity to stick to what you have planned for the next year.

name of the Roman god of doors and gates. Janus had two faces, one facing forward and one looking back a fitting name

As motivation is the key, just have a good thought of what you

for the month at the start of the New Year. Interestingly, most

have attained and how could you have achieved better

countries in Western Europe had officially adopted January

results. Your new year’s resolution shouldn’t only be based on

1st as New Year’s Day even before they adopted the Gregori-

activities of self-improvement & achieving business

an calendar.

milestones only. But, to attain something good for the society

THE NEW YEAR’S RESOLUTIONS – ‘MOTIVATION IS KEY TO SUCCESS’:

in terms of moral and social values. Charity begins at Home, however, it’s up to you how well you can adapt to the challenges of New Year.

A New Year’s resolution is the most vital list of things that one can aim to do while stepping into the next year. It’s in fact the things that are attached to your plans for the New Year and how will you be progressing along. The passing year has passed now, and what are the things that you can learn from the year that has passed? Furthermore, how well can you transform the New Year for your goals? What role does courage and optimism plays in your life, while you plan ahead for your own business or for your health goals? Apart from this, your career plans and opportunities that are key for you in terms of future achievements. How can you design a new diet plan or an exercise plan that will suit your needs to burn the extra kilos in your body? Something that might be necessary for you to get to where

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

MBE BUSINESS MAGAZINE JANUARY 2022

Useful Tips

For The Sake Of Employee Training On New POS Systems

DMM DEPARTMENT MB Enterprises

The employee training for new POS systems needs some key

managers before they train their employees to effectively use

tips apart from the useful understanding that POS systems

the POS systems. It is necessary to note down all the

provide. The advancements in POS systems and the new

features that are included in the software. As an example we

developments in POS demands employee training at the

can say that a modern POS system may include customiza-

maximum level. Employee needs to know how to deal with

ble digital signage, the payment processing features, and

POS errors and they should have a good command on the

finally the incentive programs.

different POS functionalities that differ from one POS machine to another.

A good enough examination will definitely help the managers or the supervisors know well how they can train their employ-

It is indeed a celebration in the point of Sale as being the new

ees. Thus, for fast, easy and most effective use of the POS

revolution in fast and secure payments. The time factor

systems.

associated with the POS payments is the most ideal thing for customer foot traffic. This is something which POS systems

Just like it adds two and two to make four. It is ironic that the

controls easily while depending on how to deal with different

managers deliver their best to employees so that POS

case scenarios.

systems are operated with equally good intelligence &

1. EXAMINE THE POS SYSTEMS: A useful examination of the POS tool is a necessity for the

MBE BUSINESS MAGAZINE JANUARY 2022

attentiveness. In the examination process it’s the role of the management to look out for some weaknesses in POS functionalities.

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

2. PROVISION OF HANDS-ON TRAINING:

making useful evaluations of the employee performances.

This is the responsibility of the providers who will offer

This is evaluation of the employees after the POS training to

instructions and the training videos for the sake of demonstra-

evaluate how staff operates the POS system. This strategy

tion to operate the POS system. This hands-on training can

should benefit business owners identify employees that are

be a highly effective way for the employees to learn.

good in using POS systems effectively. At the same time the management or business owners can identify the mistakes

A provision of hands-on training to employees will also

that are commonly made by the employees while they do

effectively minimize the instances of the customer frustration

their POS training.

as well as long checkout lines and lost sales.

3. CONSIDERATION OF THE PERSONALIZED TRAINING PROGRAMS:

5. COMPILATIONS OF EMPLOYEE FEEDBACK: The compilations of the employee feedback is always very useful while training employees in the company in future. This

The personalized training programs are the most useful

will not only allow the business owners to discover the

strategy in employee POS training. It is the psychology of

potential problems in the POS systems. At the same time it

professional people that they learn best while using different

will give them insights into how the POS systems can be

methods. Therefore, a one-size fits-all approach might not be

more innovative.

the best as different strategy for every individual might suit the retail environment needs. For some employees there are

Collecting the feedback always creates a positive work

preferences related to group strategies while for others the

environment and motivates employees to learn more about

one-on-one sessions are best suited and regarded.

the use of POS systems. It also makes the staff feel that their opinions are valued.

4. AN EVAUATION OF THE EMPLOYEE PERFORMANCE: A useful tip or a strategy while during the POS training is

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

MBE BUSINESS MAGAZINE JANUARY 2022

WAYS IN WHICH THE POS SOFTWARE CAN IMPROVE YOUR CUSTOMER SERVICE EXPERIENCE DMM DEPARTMENT MB Enterprises

The POS software plays a key role in

money the customers owe, but their

makes transactions a lot faster with

improving the customer service

usage has grown more than that in

far fewer errors. Obviously, something

experience. In fact, the role of

terms of the key functionalities.

that makes customer happy and they

software is improving every day as

always prefer to come back time and

the use of POS systems is getting

How POS software in these modern

more frequent & being more techno-

days can improve your customer

logically advanced. If one can

service experience.

remember that the only type of POS

again.

A COMPREHENSIVE CUSTOMER FEEDBACK SYSTEM:

MAKING FAST & IMPROVED TRANSACTIONS:

The POS software these days are

POS software these days are

customer feedback system. The

advanced while utilizing the wireless

designed for fast & improved transac-

positive feedback lets you know the

communications, and iPhones,

tions which automatically improves

things as a retailer you are doing

tablets and other mobile devices.

the customer service experience.

right. While on the other hand, the

Choosing the right POS system for

Nobody likes spending time in long

negatives shows the things where

your business is a key decision taken

queues, hence to resolve this retail

there is little or big room for improve-

by the business owners these days.

issue the best thing is that you need

ment. What customer thinks about

Mainly, as POS systems are not just

a good POS system. The integrated

your retail store, things regards to the

to tell the customers how much

barcode scanning automatically

shopping experience and finally the

system a business had was a cash

MBE BUSINESS MAGAZINE JANUARY 2022

designed with a highly improved

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

POS payment systems along with its vital use is best

provided in store, the e-mail receipt is the best second option

analyzed and acknowledged through a comprehensive

for in-store or online shopping both.

customer feedback system. A huge option provided through POS software as e-mail

GIVING CUSTOMERS A GOOD VARIETY OF PAYMENT OPTIONS:

receipts not only helps the customer in claiming some

Most customers in the shopping industry don’t like to deal

shopping experience. However, but the e-mail receipts are

with the companies with little or minimum payment options.

always beneficial for the customers if they lose their original

As we know well that most people don’t even carry cash

receipt which they had taken in-store at the time of purchase.

these days. Yes, this is according to recent market surveys,

E-mail receipts always helps in making a customer experi-

people prefer cashless transactions, i.e. mainly through the

ence, a relishing one. Apart from this, it dynamically helps in

use of debit or credit cards. It is necessary for the business

making good relationships with the customers. Thus,

that they accept a few different payment methods which

automatically improving the customer retention which is

includes cash, credit cards, checks, gift cards, etc.

always necessary in improved customer relationships. The

product back or in-case if they are not satisfied with the

role of the POS software is remarkable in form of the key A variety in payment options is always obviously is a good

details that are printed on the receipt for future referencing.

upbringing for the business in terms of its marketing and growth prospects. As far as customer experience is concerned it always gives the customers the extra options to pay for their shopping.

E-MAIL RECEIPTS: For the sake of customer records & a record of their shopping for better management of their budget, the software releases instant e-mail receipts. Apart from the receipt

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

MBE BUSINESS MAGAZINE JANUARY 2022

horoscopes

janaury 2022 capricorn Capricorn - 2022 is the year you've been waiting for! December 22 – January 19

As it does every year, you can look forward to the sun

Your home planet Saturn is one of the most powerful of the

it’s been a while since you let loose, your birthday month is a

outer planets, Capricorn, and 2022 begins with a harmoni-

great time to schedule a little downtime to really celebrate

ous union with airy Aquarius. There is a focus now on being

your solar return. Because it falls around the same time as a

part of a group—of the collective world order—and now is

couple major holidays, you should be able to take some

the perfect time for you to network and connect with others

vacation time and use it to renew and replenish your energy.

who have different visions and opinions.

Use this month to broaden your social circle as well, and

visiting your hardworking sign near the end of December. If

show people that there’s more to you than your “all work, no Saturn in Aquarius brings people together, but it can also

play” serious rep!

cause you to look at your relationships (both professional and personal) and get rid of the connections that no longer

With your ruler Saturn partnered with original-thinker

serve a purpose. This can be a rather aloof energy, allowing

Aquarius all year, this can be a great time to strengthen your

you to part ways with little sentimentality attached to the

relationship. This transit brings people together to reach

goodbye. New relationships started during this transit will

beyond each individual’s capabilities, and you should be

rely on a solid foundation of friendship and respect and may

working very well as a team by uniting and blending each of

or may not turn into romance.

your own unique talents. Because you most likely started your romance as a platonic friendship, you’ve built your

When Saturn retrograde occurs between the beginning of

relationship on a very solid foundation, which can take you

June and the end of October, this free-thinking cycle gives

through any difficult, stressful times your partnership

you a chance to slow down and balance the energies in the

encounters this year. A Venus-Saturn conjunction at the end

various parts of your life. This is a great time to journal more,

of March could test your relationship with emotional or

schedule time with a therapist, or meditate. Any activity that

physical distance, but a healthy bond will come out the other

helps you learn more about yourself and improve your

side stronger than it was before.

outlook is encouraged.

MBE BUSINESS MAGAZINE JANUARY 2022

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

Your sign doesn’t have a reputation as one of the most

be rewarded. If you haven’t, this will be your wake-up call to

romantic in the zodiac, but when loving Venus partners with

get started!

emotional water sign Cancer from mid-July to mid-August, you’re a lot more nurturing, domestic, and relationship

And if you’re looking for a job during the Mars-Capricorn

focused. You give and accept affection more easily now,

transit, expect to see a lot of opportunities cross your path,

which improves things on both an emotional and physical

especially when you’re willing to take the initiative. Letting

level. Indulge your inevitable sentimental moods during this

potential employers know that you’re ready to work long

transit by looking at old pictures together or recalling memo-

hours and make your job the top priority in your life gives you

ries like the day you first met.

a huge advantage over your competition. You know you can back up your words with action, so don’t be shy about asking

With your ruling planet Saturn driving your goals and motiva-

for what you’re worth. If you aren’t offered a comprehensive

tion, its position in Aquarius all year gives you a little less

salary package, go somewhere that will value you.

control but offers a whole lot more freedom to explore innovative and experimental thoughts and ideas related to your career. Networking will be very important as well, and you might have to do a little more schmoozing than you’re used to. Luckily, you’re better at it now than normal because Aquarius lends a friendliness to your demeanor that isn’t always there. Rely on friends and business associates to help you get your foot in the door of some really great career opportunities this year. Aggressive Mars also pairs up with your ambitious sign at the end of January for about six weeks, which should help boost your earning potential. If you’ve been working hard, you will

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

MBE BUSINESS MAGAZINE JANUARY 2022

REASONS WHY CUSTOMERS WILL PREFER ONLINE GROCERY SHOPPING DMM DEPARTMENT MB Enterprises

The future of customer experience

afford to pop-in the store for few

famous since last five years. In U.K

and customer engagement holds vital

grocery items. There are other

online sales accounts for only around

and distinguished values regards to

reasons as well that customers prefer

5% of the sector’s revenues. Thus, no

online grocery shopping. A trend that

online shopping like saving some

one can doubt the retail supply chain

is common these days in Canada as

dollars of fuel and others like being at

power of most famous brands in the

online grocery shopping is far easier

home as they love to stay at home.

United Kingdom, example Tesco and

and convenient than shopping

However, there are reasons that

Morrison’s. Same is the case in

in-store. For some people this

online shopping is still at the develop-

Canada, but trends are changing at a

statement might not be that true,

ment stage in many places while

much faster rate as Canada is a huge

mainly as they prefer to satisfy their

earning only a marginal share of the

country with a lot more low popula-

needs and shop in-store than order

sales revenue.

tion density as compared to United

via online shopping. But, it’s the most

Kingdom.

convenient format in shopping and

If we discuss some key facts regards

the most reliable one when you can’t

to the U.K where it has been very

MBE BUSINESS MAGAZINE JANUARY 2022

With the amount of online options W W W. M B E F O RYOU. C O M

that are expanding constantly, the share of online sales in the

with many key advantages. At the same time it also imposes

world could well increase in the future. This is especially true

restrictions on them in terms of the time-frame availability. It

as online grocery satisfies a large number of consumer

also helps the customers plan ahead their food shopping from

requirements.

order to delivery so that it submerges in their daily routine.

Reasons why customers will prefer online grocery shopping

3. HOME DELIVERY- ‘RELIABLE & FAST’:

options are listed as follows;

Online grocery offers home delivery options that are reliable & fast in terms of the deliverables. The home delivery service option which many food retailers offer to their valuable custom-

1. SAVES TIMES TO A HUGE EXTENT:

ers, can save the eager customers’ more than just time. Also

It saves time to a huge extent as it’s a universal fact that ‘time

the struggle to carry the shopping with heavy shopping bags is

is a precious good’. For some people, especially at few times

indeed a struggle that you can easily avoid.

in-store grocery shopping including driving to the store, finding the suitable parking and waiting in line at checkout can be

A huge advantage especially for old age people and those with

highly time consuming. They would prefer to do that but only in

disabilities as they can avoid the option of popping in-store for

their free times or during the weekends. However, when

shopping.

coupled with timely deliveries and user-friendly online offers, in contrast can really help to speed up the grocery shopping.

4. ATTRACTIVE DEALS & DISCOUNTS: The best part that is indeed an attraction in online grocery

2. FLEXIBILITY- ‘A KEY ELEMENT’:

shopping are attractive deals and useful discounts. As

Flexibility is a key element and something that is admired by

compared grocery shopping is found to be much more

customers as it makes them more flexible in terms of the

expensive in-store than shopping online where you can

options. The in-store grocery shopping provides the consumers

definitely save some quids. Deals and discounts are a huge

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

MBE BUSINESS MAGAZINE JANUARY 2022

norm simply as a large number of grocers are competing for

7. EXPERIENCE SPONTANEOUS SHOPPING:

online customers. Thus, the online offers can definitely be

You are sitting and relaxing on a beach, and suddenly you

lucrative and attractive for the penny pinchers apart from being

realize that your housemates need grocery as they will be

competitive.

home in an hour’s time. Obviously, you can order grocery

5. A LARGER VARIETY OF CHOICE: The online shopping for grocery definitely holds a larger variety

instantly and spontaneously just through your smartphone. Saves time for you to reach home and lets you know at the same time when your grocery will be at your place.

of choice for the customers. If you tend to look for products that are rare to find or if a local grocery store has limited storage

As part of customer engagement, spontaneous shopping is the

space. Obviously, the online grocery shopping manual is the

biggest advantage for online grocery shopping.

best way to deal with your current needs. Frankly speaking, for the sake of customers an online grocery store can fulfill even the most unusual requests and demands of customers.

6. NO CLOSING HOURS – ‘24/7 OPEN FOR CUSTOMERS’: Even though there are stores these days that are open 24/7 for the convenience of their customers. Still, they also need to be closed like on Sundays (open for limited time) and closed on public holidays. With the online grocery shopping the best part is there are no closing hours. You can order your favorite grocery on Christmas Day when all the stores in your town are closed. An option that can never be disregarded as it holds values of trust for the consumers. Most importantly, makes them more easy as they can prefer to relax on a holiday or if they are in need of some grocery on a public holiday.

MBE BUSINESS MAGAZINE JANUARY 2022

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YOUR FIRST

CHOICE FOR PAYMENT

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Sign up as an MBBP/RMA member and refer a member to earn an immediate reward of $15. Earn further points by referring a client to sign up for any of our services and accrue points redeemable for cash Address: 104-100 Dynamic Drive, Toronto ON M1V 5C4. Fax: 1-866-204-6888

Tel: 1-855-NOW-MBBP (669-6227) Email: info@rmacanada.com Web: www.rmacanada.com

MERCHANT'S FIRST CHOICE FOR Payment processing. AS LOW AS $10 EXCLUSIVE OFFER: Sign up for mbbp/rma today and receive an absolutely free evaluation of your insurance policy and resp for your children without any obligation. New mbbp/rma members will also receive 1000 mbbp points upon any purchase. Let mbbp/rma help you

SPECIAL DISCOUNTS SERVICES

Our Services

VX670 or VX820

$29.29 Rental/Month, Debit 0.04cents, User Free 80/20, Batch Close $0.0

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$32.99 Rental/month, Debit 0.06 cents Visa / Master 1.69, N-Qualified 0.064%

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(with Mobile Swipper) $50 Purchase $15 Rent/month

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GET IN TOUCH

Address: 104-100 Dynamic Drive Toronto, ON M1V 5C4 Email: insurance@mbeforyou.com Website: insurance.mbeforyou.com Toll Free: 1-647-832-7265 Tel: 1-866-667-1377 Fax: 1-866-204-6888

MBE BUSINESS MAGAZINE JANUARY 2022

Mobile Pay Plus $229 Purchase $20 Rent/month

get your ideal insurance policy today! Phone: 1-844-894-7328 Email: info@greatpos.ca Website: www.greatpos.ca

Exchange Program

Change your Existing POS for a New One

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MBE

inc.

YOUR SUCCESS IS OUR PASSION

TOP

BENEFITS

Business Partners Esso

Save 3.5 Cents per litre on any type of fuel at any esso gas station across Canada regardless of volume.

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Join MBBP/RMA to participate in our loyalty program and earn hundreds and thousands of dollars on business leads and membership referrals

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Save thousands of dollars on your day-to-day merchant Payment processing of Credit & Debit Cards. Fully compliant, reliable service and exceptional savings for

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For More Contact Us! Information

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

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

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

JOINT VENTURE FINTECH SELECT / RMA CANADA

MBE

JOINT VENTURE

inc.

YOUR SUCCESS IS OUR PASSION

CORE BUSINESS

We are pleased to announce that RMA CANADA - a subsidiary of MB Enterprises, has signed an agreement with Fintech to launch their Selectcoin Crypto-currency Solution. Selectcoin is a card-based digital wallet solution that enables customers to buy and sell crypto-currency through a point-of-sale at a retail location.

Free Crypto enabled POS terminal with Free Display and Signage for retailers and merchants.

Helping you is what we do.

Address: 104-100 Dynamic Drive,Toronto, ON M1V 5C4 For more details about Selectcoin, please visit : www.fintechselect.com/fintech-selectcoin/ To know more about us visit : www.rmacanada.com

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

MBE BUSINESS MAGAZINE JANUARY 2022

JOIN RMA MBBP

CINEPLEX

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Address: 104-100 Dynamic Drive, Toronto, ON M1V 5C4 Tel: 1-855 (NOW-MBBP) 669-6227 Fax: 1-866 204-6888 Email: info@mbbpforyou.com Website: www.mbbpforyou.com

NEED A MORTGAGE? WE OFFER BOTH COMMERCIAL RESIDENTIAL

Direct: (416) 844-9192 Email: mortgage@mbeforyou.com Web: www.mbeforyou.com

MBE BUSINESS MAGAZINE JANUARY 2022

CONTACT : Usman Farooq BA (Hons), CAAMP Mortgage Consultant ASSOCIATE OF AMIT PURI : 1200048 & Get A Better MortgageLIC 10874 Call For Professional Mortgage Advice

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

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”

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. Human Resources Responsibilities

As a resort manager, you'll be in charge of hiring, training, and scheduling new staff members. You'll set goals for employees and help your staff achieve these goals. You might also have assistant managers who you'll work with to manage departments, such as housekeeping, dining, security, and desk personnel.

Contact: 4382 HWY # 60, RR#1 DWIGHT, ONTARIO, P0A 1H0, CANADA 1-800-387-2244

JOB REQUIREMENTS Language: English

Experience: Fresh Ability to Supervise: 5 to 10 People

THE SENATOR HOTEL

&CONFERENCE CENTRE

stay@algonquininn.com

WE ARE HIRING!

HEAD CHEF

SKILLS:

Maintain Records of Food Cost; Consumption; Sales & Inventory; Prepare & Cook Food on a regular basis or for Special guests and Events; Meals and Speciality Foods; Train Staff in Preparation; Cooking & Handling of Foods; South Indian; International; Supervise Cook & other Kitchen Staff. WORK INFO: Room & Board Provided

HOW TO APPLY

Email: gm@senatorhoteltimmins.ca Phone: (416)-918-1356 (12:00 PM to 05:00 PM) E-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 JANUARY 2022

Deep Tailors - Muktsar Wale RAMAN HAIR SALON

Ladies and Gents Suit Stitching Coat, Pant, Shirt, Kurta Pajama

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Address: 3050 Artesian Dr # 16 Mississauga, ON l5M 7P5 www.zeerah.ca (905) 569-7916

MBE BUSINESS MAGAZINE JANUARY 2022

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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.