ISSUE 74 | FEBRUARY 2022
INTRODUCE YOUR RESTAURANT TO THE NEW AUDIENCE WITH
INTERVIEW
Mr. Dale Thom Royal LePage Exceptional Pg 26
HOW TO BUILD
& MAINTAIN STRONG CLIENT RELATIONSHIP Pg. 22 SKILLS?
THIS MONTH FOCUSING ON Improve Your Time Management With Time Blocking
Logistics Challenges Faced By Canadian Supply Chains
Key Reasons Why Philanthropy Is A Necessity
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24
Health benefits of vacations for employees - ‘Bringing Improvements At Work’
26
Exclusive Interview
05
Living our life in pandemic
30
Why do you need travel insurance
07
Challenges in business growth
34
Current real estate market
09
Resolving issues step-by-step
5 banking facts
is the best way forward in providing...
36
12
What on earth is going on?
39
Economic impacts of covid-19
15
Nova Scotia
42
The role & importance
18
The pros & cons
20
Event calendar
CONTENTS things we must always remember
in Canada & why people should prefer to work
A conversation: Part Four
Mr. Dale Thom of Royal LePage Exceptional
for your travels within Canada?
Suggestions and Warnings
to Fortify Your Finances in 2022
On The Canadian aviation industry
of Canada’s trucking industry
finding success in tech
of outsourcing in the business world
February 2022
22
44
TOP TOURISM DESTINATIONS FOR THE PROVINCE NOVA SCOTIA
How To Build & Maintain Strong Client Relationship Skills?
54
Fifa World Cup Qatar 2022, The Biggest Sporting Event After Covid-19 Outbreak
EDITOR'S LETTER Dear Readers, February is here with our 74th edition of the MBE Business Magazine. February is among the country's coldest months, with lows in many places averaging well below 0 degrees Celsius (32 degrees Fahrenheit). While different Provinces have certain restrictions in place due to the Omicron Variant, celebrations indoor will be capped but outdoor activities should continue as planned. We will be observing Family Day, National Flag Day and Valentine’s Day during this month. Family Day celebrates the importance of families and family life to people and their communities. Valentine’s Day is the day to share love and warmth among each other. In this issue - What on Earth is going on? A Conversation by Mr. David R. Mackereth. Living our life in the pandemic - things we must always remember; article by Mr. Mansoor Naqvi. Challenges in business growth in Canada & why people should prefer to work; article by Mr. Mahmood Naqvi. Resolving issues step-by-step is the best way forward in providing solutions; this article is shared by Mr. Alamdar Hussain. You will find this issue just as interesting and informative as before. Our team has worked tirelessly to bring this issue to you through our digital and social media platforms. We have launched our magazine website so it will reach the maximum number of people via electronic media. Your feedback is highly valuable to us. If you have suggestions or comments, feel free to call us at 1-866-667-1377 or email us at info@mbeforyou.com to tell us what you think about this issue. For ad placements and marketing related queries, please email us at digitalmedia@mbeforyou.com Thank you, Aurora Zabala, Editor In Chief.
Publisher MB Enterprises Editor-in-chief Aurora Zabala Senior Editor Peter Z. Vaisey Managing Editors Steve Montgomery Mahmood Naqvi Design Cynthia Tolson A. Khan Production, Technology & Print Simon Wilson R.J Advertising S. Hassan Shoeib Kamal Administration Alamdar Hussein Erum Asghar R. Adil HOW TO REACH US Website: www.mbeforyou.com Feed-back: 1-866-667-1377 E-mail: info@mbeforyou.com Mail: 100 Dynamic Drive, Unit 104, Scarborough, ON, M1V 5C4. Fax: 1-866-204-6888 MBE Business Magazine is a monthly issue business magazine published by MBE. Inc. Ontario, Canada. Printed by Vision Printers Contents © Copyrights 2017 by MBE, may not be reprinted without written permission. Subscribe / Unsubscribe or Advertise by emailing us at mbe-marketing@mbeforyou.com
LIVING OUR LIFE IN THE PANDEMIC THINGS WE MUST ALWAYS REMEMBER
SYED MANSOOR NAQVI
PRESIDENT MBE
The 2 years of the pandemic have been some of the most
ever happens again. The learning mechanisms have changed
difficult and trying times that we have ever experienced. While
to a large extent, thanks to the way people have responded to
still going on, we are well aware of how to live our lives in
the pandemic COVID-19 & in the future as well the adaptabil-
case it happens again in the future. A pandemic scenario is
ity should be like before. Past is purely a good reflection for
one of those that has the ability to change many circumstanc-
learning aspects for future circumstances that needs to be
es in lifestyle, economies of nations and health & safety laws.
encountered with a positive mind frame & a much larger
However, with respect to the third one, i.e. health & safety
discipline.
precautions, the awareness levels for people have changed to a much larger extent.
NEVER TAKE THINGS EASY- ‘PAST IS NOT JUST HISTORY’: Don’t ever take things easy and lightly or ignore a similar
As part of our corporate social responsibilities, it’s one of our
situation that can arise due to similar circumstances. Past is
core responsibilities to adapt to the pandemic, if and when it
not just history, however, the events and happenings of the past can definitely be taken as measures of positive learning outcomes. Ignorance is lack of knowledge, but we can’t ignore a pandemic situation again as we have ample knowledge of what a pandemic is. In general, our know-how levels have improved & we are well aware of ways to adapt to a culture of healthy & smart living. The mandatory health requirements of fighting a pandemic are not only made for the society, but for the benefit of individuals.
THINK POSITIVE FOR POSITIVE RESULTS: Apart from the precautionary measures, it’s vital indeed to always think positive. Situations like the pandemic are hazardous situations and can arise anytime to cause disturbances to economies. However, with positive thinking comes positive acts to encounter similar circumstances in the future. As far as our globalized learning is concerned we are well aware of what a pandemic can cause & how to avoid the circumstances it causes. In the year 2022, people must follow the strict guidelines and instructions if we hope to see the end of the pandemic.
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MBE BUSINESS MAGAZINE FEBRUARY 2022
W W W. M B E F O RYOU. C O M
However, in many countries, there are still cases of COVID-19
WE NEED TO INCREASE OUR ADAPTABILITY LEVELS:
and deaths that are happening on a daily basis. 2022 is a
What we have seen in the recent past since the pandemic
year we should dedicate to our corporate social responsibility
started is how smartly people have adapted to the rapidly
targets and prioritize health & safety as number one on the
changing situation. To be far smarter in terms of the results
list. As part of the corporate culture the level of awareness
we need to increase our adaptability levels to much higher
should be increased towards much higher levels. Apart from
levels. This necessary change is not only good for the
the increased awareness we must set our agendas to
changing mentality of people adapting to a pandemic, but will
minimize the after-effects or the consequences of a similar
also be a good nurturing point for better results in the near
pandemic situation.
future.
LIVING IN DEPRESSION TILL ITS OVER, IS NOT AN EASY TASK:
THE FUTURE IS IN OUR HANDS:
Whether it’s Canada or United States or any other country, it’s
is in our hands & we can alter it any way we want. Always
a fact that living with depression is not that easy task. We
keep an eye on the key happenings of the past before leaping
have to deal with depression, but the best thing is to find a
into the future. A huge example is the depression & the
good solution well before the time depression can arise. If the
financial turmoil that happened due to the most recent
cause of financial depression can be a pandemic, than in that
pandemic. It's best for us to make a high-level contingency
scenario we must all be well equipped to deal with it.
plan and be well aware of the happenings from the past in
While always thinking positive, just remember that the future
order to fight a similar pandemic. The world is more digital than it was before, so depression can become the last thing we need to be bothered with. However, it's best to fight the depression before it has the potential to arise due to a pandemic especially before it can hurt people financially. A history of results from previous depressions due to the pandemic have some things in common. One of them is the rate of recovery due to a pandemic situation. Hence, COVID-19 has been one of the most lethal pandemics to have happened in recent times.
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MBE BUSINESS MAGAZINE FEBRUARY 2022
W W W. M B E F O RYOU. C O M
Challenges in business growth in Canada & why people should SYED MAHMOOD NAQVI prefer to work Vice President | MB Enterprises
The world has entered 2022 and
that had proved to be extreme, but
ties in many sectors and the reliance
Canada is a country that is growing in
also stabilized the Canadian economy
of the citizens should be less on
opportunities, i.e. work opportunities.
and minimized its challenges positive-
Government and more on their own
The pandemic years, i.e. 2020 and
ly. Government supported loans has
shoulders.
2021 have seen lots of challenges in
proved highly worthwhile for the
terms of work opportunities as well as
people of Canada as well as for some
business opportunities. Many people
people whose loan repayments have
INCREASE THE RELIANCE ON YOUR OWN & START WORKING:
preferred to opt for Government
been wiped away on proving that they
As part of the New Year, agendas &
incentive programs that included
can’t pay back in a desired timeframe.
New Year resolutions, the people of Canada should have more reliance on
Wage Subsidy Program, i.e. WSP and CERB, i.e. Canadian Emergency
At the same time the Government of
their jobs. This is in comparison to the
Response Benefit Program. These
Canada has also helped people in
Canadian Government and on
Government incentive programs and
paying off 75% of rent for people who
Government based incentive
similar programs for e.g. incentive
were unable to pay their rent during
programs and offers. The Canadian
opportunity programs in the Agricul-
the pandemic due to lack of work.
Government is undergoing a stability
ture sector has helped many people to
However, with the start of the New
process due to the effects of the
recover from the adverse and extreme
Year, i.e. 2022, it seems like a
situation that has risen due to the
financial effects of COVID-19. The
complete turnaround in job opportuni-
pandemic.
Government aid has not only helped
ties and lack of business opportuni-
businesses recover from scenarios
ties. The New Year is full of opportuni-
W W W. M B E F O RYOU. C O M
MBE BUSINESS MAGAZINE FEBRUARY 2022
07
In order to stabilize the Canadian
people with corona virus history
Financial depression usually brings
economy, it’s a vital necessity that
previously, it’s a mandatory require-
lack of jobs, especially in the corpo-
people especially the youth prefer to
ment.
rate sector. However, in Canada this
work & highly acknowledge their daily work schedules.
time it’s the other way around, as As far as challenges are concerned,
many people will be having issues to
the business growth is expected to be
manage their budgets without
MAKE MORE WORTHWHILE INVESTMENTS INTO YOUR CAREER:
highly affected and the Government
working.
Depression and financial crisis in the
magnitude as before. It’s highly
As part of the trends in Canada,
year 2022 is much expected & it’s
advisable for business owners to take
relocation for work from one province
highly desirable to make much more
calculated risks in terms of the
to another province has been a
fruitful investments in career goals.
investments and also in terms of the
common trend. Relocation for work
The need of the hour for the Canadian
business growth opportunities.
purposes shall definitely stabilize the
Government is to stabilize the
Although, there seems to be loads of
Canadian economy. Hence, it minimiz-
economy with larger amount of people
job opportunities in almost all the
es the challenges of staying away
applying for jobs online. A methodolo-
sectors, the business opportunities
from work, which can be more lethal
gy that has been a common practice
tend to show a decline.
in 2022. Government incentive
support might not be of the same
in Canada since the last decade.
programs varied from one province to
DEPRESSION IS NOT A BETTER SCENARIO IN FUTURE:
another in terms of the benefits.
of education, applying for work on a more regular basis, and finally making
In the future, i.e. in 2022 and beyond,
variance, the Government of Canada
investments to groom yourself for
the depression can never be seen as
is more committed to provide work
better deliverables at the work place.
a better scenario. In the previous two
opportunities to people depending on
years it has found to be a scenario
their previous work experiences.
These investments can be in the form
However, keeping in mind the
A series of lock-downs is expected in
that was taken care of with respect to
the future as well, i.e. in 2022 and it is
the efforts of the Government for
In simple words, irrespective of the
much related to much more expected
better sustenance. Dependencies on
circumstances the Government's
Covid-19 cases. In the medical sector
Government can also be conceived as
support is not like before. This is
in Canada, it is still mandatory for the
part of the psychology of the people
mainly due to the massive amount of
doctors and the paramedical staff to
as their reliance on Government was
losses the Canadian Government has
comply with the mandatory health
heavily increased. Therefore, this
previously taken.
guidelines, i.e. wearing masks &
trend needs to be recalculated and
gloves even if the patient doesn't have
reconsidered in terms of the fatal
a history of the corona virus. For those
consequences.
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MBE BUSINESS MAGAZINE FEBRUARY 2022
W W W. M B E F O RYOU. C O M
Resolving Issues Step-by-step Is The Best Way Forward In Providing Solutions SYED ALAMDAR HUSSAIN Country Head - MB Enterprises
As we say very commonly ‘First things
thing that you have accomplished in
first’, similarly, it’s vital in the corporate
the middle is planning your journey
PROVIDING SOLUTIONS WITH A DYNAMIC PERSPECTIVE:
world to resolve issues step-by-step to
and taking good care of the time
The corporate world is all about
make things look nice and easy. This
factor.
dealing with issues strategically and
is just like before when moving from
resolving them for best results for the
one place to another, you have to go
Step-By-Step or step-wise is the best
sake of the business environment. The
to the bus stop. Even before that, you
way towards problem solving and
best thing is how well you can solve a
need to plan your journey on your
coming up with useful solutions that
problem with a dynamic perspective
journey planner on your mobile phone
are necessary to resolve any particu-
and getting to the core of the problem.
and look out for the best options that
lar issue. Even if it is about getting to a
Step-by-Step takes you closer to the
will take you to your desired destina-
target and achieving every milestone
diagnosis and makes you a profession-
tion. From point A to point B and then
very carefully. However, what’s best is
al in solving issues with a dynamic
after waiting for a few minutes from
to diagnose a problem and how well
frame of mind. However, under all
point B to point C. Seems very simple
can it be broken down into
circumstances act like a professional
when you reach your destination after
step-by-step options.
and be optimistic in resolving
two hours. However, what’s the best
W W W. M B E F O RYOU. C O M
problems of all kinds. MBE BUSINESS MAGAZINE FEBRUARY 2022
09
STAYING OPTIMISTIC UNDER ALL CIRCUMSTANCES WHILE RESOLVING BIG ISSUES:
HOW TO CHANGE KNOW-HOW INTO PROFESSIONALISM?
Problem solving is a key area that needs vital attention by
easily with a consistent mindset, you would know how to
peers and all the stakeholders involved. It always keeps you
transform the know-how into professionalism. It is indeed the
aware that you have to stay positive under all circumstances.
art of the most professionals who know very well how they
Ironically, its true as negativity can only divert you from your
can change their attitude with some little know-how and their
focus and can make you hyper or lose control or you can take
curiosity can change the overall picture.
If you have a know-how of something which you can resolve
pressure on your nerves. Problem solving with a positive perspective shall be highly integral in resolving your problem
You just need to be curious to get closer to the results with a
while you keep your cool and relax.
far more scientific and a strategic approach. You have to be professional and let your curiosity do the talking, obviously as
It’s important to think before you leap and think again. It is
you must have the quest to find out answers to all your
justified that usually we can take a step, which we realize
questions.
later. However, under all circumstances if you think before you leap, your step shall be a set of calculated risks taken
COUNTERING CHALLENGES ON YOUR WAY FORWARD:
necessarily. Have patience while you resolve the most
The good habit of resolving your corporate issues with a
strategic issues with a creative insight and a positive mindset.
defined strategy makes you competent enough to fight the challenges. These are potential problems and hazards that
STAYING CLOSER TO YOUR GOALS WHILE BEING A SOLUTION PROVIDER:
can arise on your way forward. As a professional corporate
While you know strategically how you can turn out to be a
other future challenges that can occur potentially. Being
good solution provider, it's important that you stay closer to
aware makes you more dynamically strong & intelligent to
your goals. The corporate world is all about being target-ori-
fight these potential problems.
worker all the challenges acts like an example or a test for
ented and staying abreast of the most difficult situations. You will stay even closer to your corporate goals if you will know how well you can handle difficult situations and make contingency plans whenever there is a need to have one. Contingency planning always keeps you well aware of the situation and helps you develop alternate strategies.
10
MBE BUSINESS MAGAZINE FEBRUARY 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 Four
DAVID RALPH MACKERETH dmackereth@canimac.com
Albert: We are starting, albeit very slowly, to comprehend that
ofan atom. How much space would they take up? Less than
‘Reality’ – is not what we have been observing: “In the
a teaspoon.” (24)
nucleus are the heavyweights, the protons and neutrons, which manage to make up more than 99.9 percent of an
Albert: I remember reading experimental physicist, and Nobel
atom’s mass while occupying only a [1 with 12 zeros] of its
laureate, Leon Lederman (d. 2018) enhancing our thinking in
volume.” (20) “That atoms and the vacuum were the
2006, “Neutrinos […] win the minimalist contest: zero charge,
beginning of the universe; and that everything else existed
zero radius, and very possibly zero mass.” Our current
only in opinion.” was understood by Democritus (d. c.370
physicists believe neutrinos can, at times, pass through solid
BCE) over two thousand years ago. I gather you think
lead (945 with 12 zeros cm) thick. (24) Following this logic, a
Earthlings take their time adjusting to ‘Reality’.
spaceship launched from Earth, without being directly aimed at an object in the Universe, could in theory travel to the edge
Dave: “In fact, however, atoms are 99.999999999999 percent
of the Observable Universe, without hitting anything – just like
empty space. If you let [a] tennis ball act as a carbon
neutrinos travel! We have also determined that several (1
nucleus, its six electrons […] are orbiting in two distinct rings
with 12 zeros) neutrinos pass through your baby finger every
about 370 m (four football fields) and 1.3 k (0.8 miles away).”
second without any known damage to your pinky (24), or
(3) We obtain further visualization when you; “[…] imagine
leaving behind any carbon footprint.
filling all of the world’s oceans with marbles. And then imagine shrinking each of those marbles down to the size
Dave: Considering you place symbolic importance on ‘Gravity’ “[…] But that’s just giving it a name. [You] might as well call it magic.” (21), and then when you take “[…] a couple of electrically charged particles, [and] they’re also under the sway of the electromagnetic force, which is oh, about [1 with 40 zeros] times stronger than gravity.” (20) Albert: “The more success the quantum theory enjoys, the more stupid it looks. […] The more one chases after quanta, the better they hide themselves.” (25) Our philosopher Martin Heidegger (d. 1976) recognized “What the sciences accomplish, ideally speaking, is an approximation to the essential nature of all things.”
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MBE BUSINESS MAGAZINE FEBRUARY 2022
W W W. M B E F O RYOU. C O M
Dave: But still you Earthlings are making some progress, and
to determine the side effects your Milky Way Galaxy’s much
at your next formal evaluation, U.N.I. will be providing you
larger gravitational field is having on its stability (appears to
with your percentile placement within your Observable
be pulling it apart). (1) ‘Canis’ has been a major tourist’s
Universe, (it would not be fair to use the ‘Actual Universe’ as
hot-spot for the past 1 with 9 zeros Earth years, and the
an assessment base at that time). Also, please keep in mind
socio/economic impact needs updating.
that this next Earth evaluation relates to Earthlings only. Other Earth species are being monitored by what Earthlings
Albert: Psychiatrist Karl Jaspers (d. 1969) attempted to reign
would call ‘U.N.I. Sub-Committees’. Please be aware “the
in our overconfidence highlighting, “As we move towards the
calculations required for systems containing more than a few
horizon in the world of space without ever reaching it,
electrons are so complicated that [you] cannot do them” (26)
because the horizon moves with us and re-establishes itself.”
Albert: Many of “These theories are known as laws of
Dave: That’s nothing. You have forgotten about Chinese
physics, and when we ask about the origin of these laws, the
philosopher Chuang Tzu (d. c.286 BCE) – who over two
answer is ‘We don’t know’.” (6)
thousand four hundred Earth years ago – was making excellent progress: “The universe and I exist together, and all
Dave: We only have a few Earth minutes left before I jettison
things are one.” More recently you have added, “A star is not
off to what you call ‘Canis Major Overdensity’ galaxy (42 with
necessarily more important than a man, or vice versa.” (9)
three zeros light years from your Galactic Center). I am trying
And five hundred years ago, Earthlings had “[…] a perfect
MBE BUSINESS MAGAZINE FEBRUARY 2022
Copernican principle according to which no place is the
Dave: These are what we would call ‘baby steps’. These
cosmos is special or significant.” (6) “Copernicus cracked
should allow Earthlings to finally discern they have absolutely
[your] confidence, and Einstein smashed it: for if one can no
no idea as to the size of the Universe, or even how many
longer believe that a twelve-inch ruler is always a foot long,
universes there are. Theoretical physicist Christopher Isham
how can one be sure of relatively less certain propositions.”
(b. 1944) advises you that, “All [Earthlings] can say in
(13)
conventional cosmologies is that there exist many, many different possible universes, all of which are consistent with
Albert: (thoughtfully) So, possibly Earthlings may be moving
Einstein’s equations.” Please take caution when appraising
away from a more precise understanding of our Observable
what can be seen or understood, as “The number of black
Universe, with our current fixation exploiting ever broadening
holes may well be greater than the number of visible stars.”
technology to enhance our brief existence on Earth.
(26)
Dave: Please be mindful that “Entropy is not about speeds or
Albert: Our understanding is: “Every clod of earth, every
positions of particles, the way temperature and pressure and
feather, every speck of dust becoming a prodigious reservoir
volume are, but about [your] lack of information.” as worked
of untapped energy. […] a single paper clip would provide the
out by Professor of Physics Hans Christian von Baeyer (b.
same energy as the bomb that destroyed Hiroshima.” (25) Is
1938). However Nobel laureate chemist Ilya Prigogine (d.
this an area that with further development could erode our
2003) clearly understood “Entropy is the price of structure.”
‘Dark Energy’ and ‘Dark Matter’ misunderstandings?
Albert: The great scientists of today are convinced “[…] a mysterious ‘dark matter’ comprising 27 per cent of the observable universe and an even more mysterious anti-gravity ‘dark energy’ comprising 68 per cent of the observable universe.” (19) are needed to reconcile their modified model of our Observable Universe. Dave: You just might find you do not fully understand 99.9 percent of your Observable Universe. Two thousand five hundred years ago, Earthlings thought they understood 100 percent of the universe. And after all of your recent breakthrough discoveries, Earthlings are now confident of knowing only 5 percent of their Universe. Following this trend, Earthlings could very well end up in a TNS position - Totality of Notable Science - for Earthlings: comprehending just 99.9 percent of their Observable Universe! Albert: We are most proud of our recent ability to expand our Observable Universe. “[T]he Hubble Space Telescope’s Ultra-Deep Field, which covers a piece of the sky a little less than 2 percent the size of the full Moon” (3) uncovered “[s]everal hundred never before seen galaxies.” (21) And recently Christopher Conselice takes us much further in a May 2018 Discover Magazine article, “As deeper data emerge, we’re able to better fit the observations we make to the models we’ve developed to describe the universe – a universe, we now know, that contains not [1 with 9 zeros], but [1 with 12 zeros] of galaxies.” (obviously getting much more comfortable with this zeros business)
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NOVA SCOTIA FINDING SUCCESS IN TECH BRETT BUNDALE In early 2021, Simon Cusack sold his
Nova Scotia, once known for its
Isolation is a real problem for startups
house out west and moved to the
traditional resource industries, aging
which is why a strong support
East Coast with his wife, son and one
population and westward migration of
network is key to innovation.
of Canada’s most promising tech
workers – is changing.
This change did not happen
startups.
overnight. Today, the province is home to
The co-founder of Rafflebox, which
hundreds of fledgling tech startups
Halifax’s tech workforce has steadily
runs online raffles and fundraisers,
and companies, an ambitious training
grown by 24% in the past five years.
came in search of the ocean, a better
plan and growing population.
The city ranked seventh on a list of
work life balance and Halifax’s
Experts say Halifax’s growing tech
25 emerging tech markets in Canada
booming technology community.
ecosystem is at the epicenter of the
and the U.S., just after Albany, N.Y.,
“We were very attracted to the
digital shift turning the province into
and ahead of Providence, R.I.
startup scene here,” said Cusack,
one of Canada’s hottest tech hubs.
Across the province there are now
who quit his job with Dell Technolo-
They say a growing network of
more than 26,000 people working in
gies early in the pandemic to focus
startups, mentorship organizations,
Nova Scotia’s 2.5 billion tech sector.
on Rafflebox full time as chief
venture capital, training programs
The burgeoning tech community has
operations officer. “The support for
and government support is encourag-
helped attract big players.
startups is incredible. Doors started
ing digital innovation, creating jobs
opening for us as soon as we
and buoying the economy.
arrived.”
W W W. M B E F O RYOU. C O M
Toronto based digital entertainment company Wattpad announced plans
MBE BUSINESS MAGAZINE FEBRUARY 2022
15
in late 2019 to open a second headquarters in Halifax. The
The solution appears to be twofold: Expanding both the
company, which is in line to receive payroll rebates from the
population at large and the tech workforce in particular. The
province, now has 30 employees in the Halifax area and has
first is well underway. The province announced last month
plans to increase that to 100 people within five years.
that Nova Scotia’s population hit a milestone of a million
“The talent in Halifax is amazing across multiple disciplines,”
people following record growth during the pandemic.
said Allen Lau, co-founder and CEO of Wattpad. But the problem is ensuring there are enough workers to
Much of the growth was due to interprovincial migration, with
meet future demand.
many new residents hailing from Ontario and Alberta – a reversal of a decade’s long trend of people moving away
Take Halifax based Redspace. The software company, a full
from work.
service digital studio specializing in video solutions, saw demand soar during the pandemic.
“After years of a declining population, the world is learning how special Nova Scotia is,” Premier Tim Houston said in a
“Two years of the entire globe stuck at home binge watching
statement.
video accelerated the transformation of the industry we’ve been serving,” said Mike Johnston, president and CEO of
To boost the province’s tech workforce, the Nova Scotia
Redspace.
government stepped up with a solution last spring. It announced $16.8 million in funding to bolster computer
“Demand has never been stronger. We have been growing
science programs at four Nova Scotia universities.
and recruiting at a mad pace,” he said. The company has hired 105 people so far this year, bringing
Dalhousie University, which received $13.3 million, launched
the total workforce to about 300 but still require an additional
a campaign called Here We Code last month.
30 – 50 people. Rafflebox co-founder Cusack, said the skilled workforce “We are constantly short staffed. The salaries have gone up
emerging from Dalhousie and other post-secondary institu-
pretty dramatically, everything is just on fast forward,”
tions in Nova Scotia was one of the driving factors to relocate
Johnston said.
operations to Halifax.
The pace of growth is expected to remain elevated and
“We really wanted to open up our office here,” Cusack said,
people don’t see it slowing down any time soon. The
noting that 13 of the startup’s 20 employees are now based
industry’s largest challenge currently is labour.
in Nova Scotia with another six being hired last month.
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THE PROS & CONS OF OUTSOURCING IN THE BUSINESS WORLD DMM DEPARTMENT MB Enterprises
There are certain positives and
competitive advantage for much
that, one should consider carefully
negatives both attached to a certain
higher gains.
the pros and cons of outsourcing
aspect or a business dimension or a
before planning or deciding to
business preposition. Similarly, it
A common practice that is used very
contract out any kind of activities or
holds as a vital fact for outsourcing &
often in the call center industry,
business operations.
movement of business operations to
especially in the Western countries
another company or place. Outsourc-
that includes United States, United
ing is commonly in the business
Kingdom and Canada. Outsourcing of
THE ADVANTAGES OF OUTSOURCING TO COMPANIES:
world known as a common practice of
call center from USA to India &
There are many reasons why
contracting out business functions
China, has been a common practice
outsourcing holds many key advantag-
and processes to third-party provid-
since 2007-08 due to the huge cost
es to companies in the world of
ers. In most of the cases it holds
saving aspects associated with such
business and finance.
many advantages, however, in some
a business activity. It not only saves
cases it has some disadvantages as
massive budget, training costs and
1. Increased Efficiency: Outsourc-
well. As a matter of fact the benefits
many other costs including machin-
ing is a massive cause of increased
of outsourcing can be substantial in
ery and human resource. At the same
efficiency in business operations. The
many ways. These includes from cost
time it is a massive cause of
main reason for this is specialized
savings and efficiency gains to gain a
increased business functions due to
services that are being outsourced
far higher competitive advantage.
the huge amount of concentration of
just for the specific reason of manag-
Most of the time it is an act conduct-
call center towards industry towards
ing the services in terms of efficiency
ed for the sake of gaining greater
South-Asia. However, having said
measures. This also includes
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specialized operations and use of manpower for highly
control over a business function or a process to a third party.
professional outsourced business operations. Examples
This aspect as such comes with certain risks. These risks
includes; outsourcing of payroll services for the sake of
involve leakage of some vital information that can prove to be
increased efficiency to specialized payroll services compa-
costly if the information is misused. Other problems or
nies.
disadvantages includes problems that relates to people taking ideas of services and functions and rolling the ideas
2. Controlling Extra Costs: The main reason why outsourc-
forward.
ing takes place as a common business activity or procedure is for the sake of controlled costs. Most businesses take this
These disadvantages includes;
option of outsourcing of business activities for the sake of
1. Confidentiality & Security: Confidentiality & business
controlling the costs of paying for the whole department.
security issues are some of the most common disadvantages
These costs includes salaries, training costs, training
that are associated with outsourcing. There is a huge
material provided, machinery used, and other assets that
capacity in outsourcing of information being leaked and
includes electronic equipment. An example is outsourcing of
tendency of being misused.
call center activities to other country or a different location that can be abroad in most circumstances. The costs savings
2. Service Delivery: Another major disadvantage that can
can only happen if the business owner knows well how to
give a bad name to the business. Service delivery and quality
utilize their resources in countries where manpower is far
assurance issues can cause failure to comply with timeliness
cheaper, for example China.
or fall below expectations.
3. Gaining A Greater Competitive Advantage: Outsourcing
3. Management Difficulties: Outsourcing can even cause
for the sake of gaining competitive advantage is one of the
difficulties in management due to lack of communication. The
most common reasons why businesses prefer outsourcing. It
changes at the outsourcing company could lead to friction.
really helps you leverage knowledge and skills along with your complete supply chain. An example includes outsourc-
4. Offshore Outsourcing: Offshore outsourcing causes
ing in the supply chain industry.
disadvantages due to challenges due to time zones. Other challenges also includes due to differences in language as
THE DISADVANTAGES OF OUTSOURCING:
well as cultural preferences.
There are some disadvantages associated with outsourcing that makes people to consider time & again before opting for outsourcing options. As it involves handling over direct
W W W. M B E F O RYOU. C O M
MBE BUSINESS MAGAZINE FEBRUARY 2022
19
FEBRUARY
EVENT 2022 CALENDAR 1 FEB
TUESDAY
Chinese New Year Many people in countries such as Canada celebrate Chinese New Year, also known as the Spring Festival or the Lunar New Year. It marks the first day of the New Year in the Chinese calendar.
2 FEB
WEDNESDAY
Groundhog Day roundhog Day in Canada focuses on the concept of a groundhog coming out of its home in mid-winter to “predict” if spring is on its way in the northern hemisphere.
14 FEB
MONDAY
Valentine's Day
15 FEB
TUESDAY
National Flag of Canada Day
Valentine's Day is an opportunity for people to tell somebody that they love them in a romantic way. It falls on February 14, the name day of two saints, St Valentine of Rome and St Valentine of Terni. In pre-Christian times, the middle of February was a time of pagan fertility festivals in Europe and allegedly the time when birds chose a mate.
The national flag of Canada was inaugurated on February 15, 1965. The anniversary of this date is officially called the "National Flag of Canada Day", which is often shortened to "Flag Day".
21 FEB
MONDAY
Nova Scotia Heritage Day Starting in 2015, Nova Scotia Heritage Day will be on the third Monday in February, celebrating provincial heroes and events.
21 FEB
MONDAY
Islander Day Islander Day is a holiday in the province of Prince Edward Island on the third Monday of February. It gives people the chance to have a day off to relax or to take a short winter break.
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21 FEB
MONDAY
Family Day Family Day is observed in the Canadian provinces of Alberta, British
Columbia, Ontario, Saskatchewan, and New Brunswick on the third Monday of February. This holiday celebrates the importance of families and family life to people and their communities.
25 FEB
FRIDAY
Yukon Heritage Day Many people in the Yukon, Canada, celebrate the territory’s Heritage Day, usually held on the Friday before the last Sunday of February.
CROSSWORD PUZZLE SOLUTION
MONTH JANUARY
W W W. M B E F O RYOU. C O M
MBE BUSINESS MAGAZINE FEBRUARY 2022
21
HOW TO BUILD & MAINTAIN STRONG CLIENT RELATIONSHIP SKILLS? DMM DEPARTMENT MB Enterprises
Building & maintaining strong
business owners to focus their
client-relationship skills is a
resources on gaining new business.
1. BE OPTIMISTIC IN YOUR APPROACH:
paramount business activity neces-
However, the interesting part is that
You just have to be optimistic in your
sary for the sake of long-term client
you don’t need to rely on gaining new
approach regards to having good
relationships. A strong client is a key
clients to get new projects. Unless
client relationships and better
aspect for a business and a very
you continue to work for existing
relationship management. Being
useful entity regards to the growth of
clients with the same passion and
optimistic and positive means you are
business. In real terms it is a key part
integrity that you have demonstrated
keen in your relationships and you
of the relationship management
in the past. It is quiet ironic that you
want to maintain them for a good
phase that is a vital aspect in building
will be gaining the same strength in
future business relations. Positivity
sustainable relations. Yes, we are
your client relationship as you have
also matters in times of conflicts with
talking about sustainable relations
achieved in past. It’s the reputation
the client as it can easily arise due to
that are always worthwhile for fast
that you have demonstrated in the
some lack of discipline or lacking in a
business growth & for the sake of
past that counts forward.
positive approach. It is a universal
huge profitability gains.
Here are some of the ways that are
fact that enthusiasm and zeal are
necessary to build and maintain
both attractive personality traits that
relationships it’s also about maintain-
strong and positive business relation-
people enjoy being around. It is also
ing these relationships for a sustaina-
ships.
something that the clients enjoy
It’s not only building strong
ble image. In the world of business it
working with.
is a very common thing for the
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2. UNDERSTANDING THE CLIENT’S NEEDS:
your deliverables. Apart from this, another acknowledged
Second key aspect for having a smooth client relationship is
step that will make sure that your services are hired for every
the vital need for understanding the client needs in better
calendar year. Knowledge sharing outcomes increases the
ways. It shows that you give the due regards and importance
focus towards clients and makes them feel more valued.
to the needs of the clients. Furthermore, you feel that it’s your
Apart from the confidence building measures, knowledge
responsibility to satisfy the client in most possible ways you
sharing also builds your trust with the client. Trust building is
can. To understand the client needs, you should increase
the most vital element in the world of business that demands
your focus towards the client’s requirements specifications.
trust worthiness. Finally, the trust level helps in building your
The best possible way is through requirements gathering
goodwill in the business world.
form or key documentation that is necessary for client’s satisfaction. Just have to make sure that the peace of mind
5. SPEAKING YOUR CLIENT’S LANGAUGE:
that the client needs is truly what you can deliver in the
The communication and the communication medium are
desired time frame.
both very strong aspects while dealing with the client’s needs. The successful consultants have the ability to adapt to
3. DEVELOPING APPRECIATION:
their client’s style, formalities and the preferred methods of
Developing an attitude of appreciation and acknowledgement
communication. Far better approach than sticking only with
holds massive in-roads for the clients. Establishing the client
the tools that they feel most comfortable with. Feeling the
boundaries is important, but there are times when going
comfort level of your client is always more significant than
above and beyond can help your business. You just have to
feeling your own comfort. This can be something confusing
keep your limits in-place, however, keep looking for moments
and destroying rather than if you feel the comfort of your
where you can go the extra mile. Something that is part of
client.
establishing the appreciation process and also an integral part of the client relationship management.
Feeling your client’s comfort shall make you feel more easy and satisfied in terms of the task deliverables. For example, if
4. SHARING KNOWLEDGE ON EVERY VITAL STEP:
your client prefer video meetings or choose text messages
It’s highly important during the project that you keep sharing
instead of e-mails. Preferably, you should also stick to that
knowledge with your client on every vital step. It is something
approach and strategy. Speaking your client’s language in
that will give your client a higher amount of confidence in
most circumstances helps dynamically to make sustainable client rapport.
6. STAYING HUMBLE & DOWN-TO-EARTH: Staying humble and down-to-earth always makes you realize that you need your clients more than they need you. It is a business attitude that transforms your approach for better and faster results. Remaining humble with the clients in your line of inquiry about how to best deal with a problem. Surely, you should arrive at the solution that will work best for both the client and the company.
W W W. M B E F O RYOU. C O M
MBE BUSINESS MAGAZINE FEBRUARY 2022
23
Health Benefits Of Vacations For Employees ‘Bringing Improvements At Work’
DMM DEPARTMENT MB Enterprises
There are a number of health benefits that are associated
HOLIDAYS OR DOWNTIME DECREASES HEART DISEASE:
w.r.t. taking holidays & vacations on a much regular basis.
Studies have shown that vacations have many benefits
Holidays and vacations taken regularly are a huge upgrade in
associated with cardiovascular problems and risk to heart
increasing the concentration levels at work as well as
diseases or cardiac arrest.
reducing the levels of stress. This is stress related to job and work pressures that can arise if you are a workaholic or you
A trial followed by 12,000 men over a period of almost a
tend to involve yourself in activities related to work more than
decade, precisely 9.5 years that had a high risk for coronary
an average employee. As an employee taking a handsome
heart disease. This multiple risk factor intervention trial was
salary package, you take the work pressures every day and
conducted by the National Institutes of Health’s Heart, Lung
tend to focus more efficiently on the demands of staying at
and Blood Institute. The research study found that any such
work much more proactively.
men who take very frequent annual vacations were 21.5% less likely to die from any cause and were 31% more likely to
With regards to the demands of the workplace it is mandatory
die from heart disease. These are readings and research for
that as an employee you regularly go for summer or winter
those who have heart issues and high risk of coronary heart
vacations. Visiting your favorite place or a historical city or a
disease.
medieval town will definitely make you much more relaxed at the workplace. Hence, while sticking to the workplace norms
Another trail conducted by the landmark Framingham Heart
it’s a necessity that you relax and absorb work pressures
Study, which is the largest and the longest-running study of
much more easily.
CV, i.e. cardiovascular disease. The study revealed that men who didn’t take a vacation for several years were 30% more
According to the rules and regulations applied in most MNC’s,
likely to have heart attacks as compared to men who took
i.e. multinationals it is mandatory to take holidays regularly.
vacations or time-off.
Your focus at work should be the prime objective which can holiday destinations. A road-trip to the country-side while
MORE LONG TERM BENEFITS OF TAKING VACATIONS: DECREASES STRESS LEVELS:
seeing the gorgeous landscapes will really help you relax and
Vacations decreases the stress levels and the employees feel
focus later at work in better ways. Your emphasis is work and
more comfortable. As according to APA, i.e. American
your work patterns shouldn’t get disturbed due to late sittings,
Psychological Association concluded that vacations work
extra hours doing office work at home & finally taking work
very well to reduce stress by removing people from activities
pressures apart from pressures at home. A vacation always
and environments that tend to be sources of stress. For
counts in multiple ways due to the amount of leisure activity
example over work or being a workaholic is a huge source of
that relaxes your mind & body.
increased stress levels for dedicated employees. Hence,
be easily achieved via taking vacations to your favorite
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according to another Canadian study from a sample of 870
were required to take time off were significantly more
lawyers found that taking regular vacations helped alleviate
productive overall than those who spent more time at work.
job stress. Ironically, as lawyers are working in an environ-
The increase in productivity levels also increases the overall
ment that is a huge source of stress. Furthermore, they are
job satisfaction aspects. Therefore, taking vacations on a
on a very regular basis occupied with work pressures, court
much more regular basis is indeed a mandatory requirement,
hearings and technicalities and disturbances at the
especially for those who tend to take regular work pressures
workplace. All these pressures are usually taken for granted
all year.
but can result in cardiac issues if not taken care of. The best remedy is to take regular breaks in form of vacations to
MAKE A WORTHWHILE ROAD-TRIP:
places that you love to go.
A road trip that’s worthwhile is the best road-trip as it is one of your corporate requirements. Don’t forget your family time
IMPROVED PRODUCTIVITY LEVELS:
and the regular outings that are a necessary ingredient to
According to a study conducted by Ernst & Young as an
diffuse workplace tensions. It also helps in the long run as it
internal study on their employees. They found that for each
makes you feel relaxed while you make an aim for your next
additional 10 hours of vacation employees took, obviously,
road trip. Just find out the best outdoor spots near your city
their year-end performance ratings improved a huge 8%.
and plan for a road-trip to ease the ups and downs at the
However, even the frequent vacationers were less likely to
workplace. Something that will make your aims for the new
leave the firm. Another similar research conducted by Boston
year more sustainable and more realistic with higher energy
Consulting Group found that the high-level professionals who
levels.
W W W. M B E F O RYOU. C O M
MBE BUSINESS MAGAZINE FEBRUARY 2022
25
Exclusive Interview
Mr. Dale Thom
of Royal LePage Exceptional
Personal: Full Name: Dale Thom Date of Birth: September 9, 1960 Birth Place: London, Ontario Education: Bachelor of Arts from Carleton University, Ottawa 1985: Sales Representative License 1990: Broker License 1990: Sales Manager with Montreal Trust Reality 1991-1993 Sales Manager with Canada Trust Reality 1993-2011: Broker/Owner Coldwell Banker Exceptional Real Estate Services
2011-Present: Broker/Owner Royal LePage Exceptional Real Estate Services
Interview 1. Where did you do your education and can you please shed some light on the importance of education in this day and age? I achieved my Bachelor of Arts from Carleton University in Ottawa and later, I also took my real estate courses out of Ottawa as well. 2. How did you start your Real Estate career and who were your early inspirations? I started out my career in real estate in 1985, at the age of 24, with a local office close to my house in Toronto. I chose real estate for the reasons that most people do, because I saw everyone else that had a lot of money in the world had built wealth from real estate, or primarily in real estate. 3. What were some of the early struggles you faced in your career? During the earlier years of my career, Ottawa was fairly sleepy at that time. The market there heavily relied, (and still does rely), on how the government was doing- if the government was laying off people, the market was poor, or if the government was hiring, the market was great. Ottawa became a kind of entirely homogenous area where everyone earns a similar amount, they all take transit to a government job, they all take transit home. Everyone fell into the same category and it was an environment which moved far too slowly. I knew there was only so well I could do in Ottawa. Hence the reason I made the move to Toronto in which I was able to explore the different neighbourhoods, their values, their communities, and the various types of housing designed for people who could both move up or move down with ease. Additionally, that the interest rate was at an incredible high of 10%, and it remained so for some time. The average sale cycle was about 6 months- it would take 6 months to sell a house. A bungalow was worth between $111,000
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and $113,000 in the East end of Toronto- if you were to price it at $119,000, it would not sell; if you were to price it at $115,000, it may sell- so that roughly 5 percent was all it took to overprice a listing. We would carry 150 listings in an office because it would take so long to sell a single house, which is something that is unheard of now. In today’s market, when you get a listing, it sells within days. There was some immigration at the time but not at the volumes at there is today; you were moving someone up, moving them down or moving them out and so you had to be creative in the way that each deal was approached. 4. How did you cope with the challenges presented by the Stock Market Crash of 1987? 1987 was the crash of the Stock Market, ours followed not long after, in 1990. At that time, I was employed at Montreal Trust as a sales manager and I was in a different capacity but it came with a big price. Everyone had walked in with ashen faces asking, ‘What happened?’ All of a sudden, things changed for the worse. That market crash took 35 percent of people’s market value off the table right away, in all walks of real estate. It didn’t change until Quebec wanted to separate in 1995, around the time of the ‘Oui ou Non’ Referendum and once it was decided that Quebec would remain part of Canada, things finally progressed. It took a long 5 years. It was a challenging time and we didn’t know Power of Sale business before then, so anybody that had a connection with a lawyer saw a lot of business. Nevertheless, I hung in because it’s the only thing I truly had training for and I was determined to figure out a way to earn a living, but it wasn’t easy. 5. What are the key things a realtor should focus to be in this career? I think some important questions to ask are: What are your goals? What are your plans? Our business is planning, planning, planning and then executing that because you have to plan three times as much as you have to execute. W W W. M B E F O RYOU. C O M
MBE BUSINESS MAGAZINE FEBRUARY 2022
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Everyone has to know their numbers, what they need to survive, what they need to thrive, and what the ultimate goal is. Then you have to make a business plan around that, and some people will follow that plan, some will hide it in their desk and never look at it again but there is a percentage of our business that will succeed and do very. 6. How does one evaluate whether or not they’re fit to be a realtor? In my opinion, you have to be a bit competitive- the type of young person who always wanted to get the highest marks in school or wanted to be in sports. Liking people is nice but it’s not the most important thing. I’ve seen some angry real estate agents that do very well at their job, and they clearly hate people which is unfortunate because you meet so many interesting people to talk to and it can be very fun. The main two qualities are: competitiveness and ethics- I can teach the rest, the nuts and bolts of real estate is not hard. Finding the client, however, is hard, so you need to be able to build relationships. For instance, I’m going to work with a certain lovely couple and they want to buy a house. When I’m done, I want two things to happen: make the client happy, and then later, casually discuss referral opportunities so that they would pass on my name. In this way, I’m able to build a book of business that snowballs overtime. 7. There are so many realtors nowadays. Is there still potential for newcomers? One hundred percent. There is room for newcomers because they are able to bring a fresh new set of ideas to the
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table, and bring new enthusiasm. The jaded person that has been in real estate for 20+ years may think ‘oh that would not work’ but for instance, a young newcomer may put his own spin on the concept and make it work. I liken it to any sports team where there are the old guys that have been playing for a while but then come the younger ones have a little more jump in their step. 8. What are your views on Real Estate in the last two years and your reply for those worried about the future? In my career, there have been three ‘reset’ periods: Around 1980, 2008, and 2017 after the recession. Every time there was a reset, prices went down but following that, prices would skyrocket way over what they had been before. My second house, for instance, was worth about $300,000, then worth $200,000, and then suddenly it was worth $1.5 million, then $1 million. That house will be worth $3 million one day; I just haven’t gotten to that day yet. People should know that it may be an opportune time to buy, that’s what I would take away from it. 9. What is your advice to first-time home buyers considering the _highs_ of the current market? My advice would be to push yourself to get into the current markets because once you’re in, you’re in. People from outside who haven’t had opportunity come to our city will do anything to qualify and buy a house- so we all have to be competitive now, you can’t sit back. Ultimately, home ownership should be the basis of the security of your life. Everyone should force themselves into it and they should look for whatever help necessary to qualify for the house. 10. What is the role of technology? How has technology in this field affected you? Do you foresee future challenges for this profession and as a consumer? Earlier in my career, it was very different times than now. The computer was new at this time and there was no internet, it was like hitting rocks together. Our listings would come printed and you’d have to wait with bated breath to have the daily listing be delivered by the courier overnight, which would later be compiled in a weekly booklet. We would then have to pour through these booklets to find some product for your client. There’s no doubt that there will be a lot of different business models going forward. I believe in the end however, there will still be a need for a real estate sales person. Somebody is going to have to physically go to a house and facilitate a showing, and connect the seller with the buyer. Will there be different ways to go about the process? 100%. Will our jobs disappear? No. 11. Why Royal LePage? I wanted to align myself with a company that was growing. Royal LePage is a Canadian-owned brand with over 18,000 salespeople and over 600 locations in Canada. It’s a premium brand, and I call it that due to the investment that is made into our company every day. Ours is the biggest website of any real estate company in Canada which means more opportunities and more listings for our buyers and sellers. For our salespeople, that means more eyes on your listings and more potential leads. Over 27% of residential real estate business is done with Royal LePage. Our leadership is second to none; not only are we seen as the voice of real estate nationwide but we are also in every sound bite in the media. 13. How do you like spending your time away from work? Do you have any hobbies personal interests you would like to share with our readers? I’m a family first type of guy. I enjoy very much everything with my family and our two dogs. I like playing men’s recreational hockey in the winter season. We have a cottage up north so we’re really enjoying that. Other than that, I have two beautiful university- aged young adults of mine that I am trying to launch into the world successfully, which would entirely be my focus.
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Why do you need Travel Insurance for your travels within Canada?
DMM DEPARTMENT MB Enterprises
Travel insurance is a very demanding utility while you are
the insurance amount to be paid depends on how far you are
travelling across the borders to another country or even
going from your home, i.e. within Canada. Secondly, how long
another continent. It makes you secure in terms of the
you shall be away from your country, i.e. 1 month, 3 months, 5
finances regards to your medical cover, loss of baggage, in
months or even 9 months. Time factor comes into play,
case your baggage gets stolen, or something apart from the
especially regards to the period spent during travelling, and
ordinary that can give you some kind of a loss. This loss can
what’s your mode of transport. Factors that are necessary in
be regards to your health or even a loss to your property.
determining the insurance premium for your coverage.
People usually get travel insurance if they are travelling insurance for their travels within their country as well. As
1. YOUR PROVINCIAL COVERAGE PAYS FOR SOME OF THE UNEXPECTED MEDICAL EXPENSES INCURRED:
Canada is a huge country covering a land which makes it the
The provincial coverage will be paying some of the unexpect-
largest country in North America.
ed expenses, but not all of them. Ironically, they should be
outside the country, however, some people also get travel
sufficient for the physicians or the hospital charges in event of Insurance industry is a huge industry and the basic realiza-
unforeseen sickness or an injury. However, having said that,
tion is regards to the amount of risk that is involved. This risk
private travel insurance maybe needed for other extra
can be regards to potential risk to property or risks that can
expenses. These expenses includes prescription drugs,
affect a person’s health condition. Vital decisions regards to
ambulance services, dental emergencies, and finally having a
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medical transportation back to your own province. This can be in form of an air ambulance or any other medical transportation.
2. NOT ALL PROVINCES AND TERRITORIES COVERS THE SAME PRESCRIPTION PLAN:
3. THE PROVINCIAL HEALTH INSURANCE EXCLUDES NON-MEDICAL TRAVEL EXPENSES: Talking specifically regards to the provincial health insurance, what it doesn’t includes are non-medical travel expenses. These are categorized as cancelled flights or lost baggage. Ironically, both are part of the travel insurance, but not part of
There are 13 provinces and territories in Canada and as a
the provincial health insurance plan which only should cover
matter of fact not all the provinces and territories provides all
medical expenses.
the medicines. On top of this, some rare drugs may not even be present in some provinces. However, if there is no
Although, it’s true that the provincial health insurance covers
medicine available the travel insurance can provide coverage
many of the medical expenses that as a passenger you might
for these medications. Only in case of a doctor’s prescription
incur. However, while travelling outside your home province
for an unexpected sickness or an injury. Alternatively, it can
there are some that aren’t covered. Hence, the gaps can be
also pay you to fly to your home at absolutely no cost for the
filled easily by topping them up with travel insurance.
sake of drugs you need and as soon as you need them.
W W W. M B E F O RYOU. C O M
MBE BUSINESS MAGAZINE FEBRUARY 2022
31
CROSSWORD PUZZLE
Role Models For Real Changers
ACROSS 1 Crooked 5 “Wheel of Fortune” purchase 10 F.B.I. operative (1-3) 14 Mozart’s “II mio tesoro,”e.g. 15 Manicurist’s board 16 Sharpen 17 Ecological and economic reformer who ran as the 2000 Green Party presential candidate (5,5) 19 11,000-foot Italian peak 20 In a bit 21 Book before Job 23 Anatomical pouch 26 Name for a fortune teller’s board 29 Put away 30 Athleti shoe projections 32 Europe, Asia and Africa - to the U.S. (2 wds.) (3,5) 36 Some staff symbols 37 One convicted of committing a serious crime 38 Cookie holder 39 Physical, e.g. 40 Kind of game pitched only once by Randy Johnson (2wds.) (2-3) 41 Amount between none and all 42 Go public with 43 Karloff or Yeltsin 44 Cellar dwellers 45 “Holy” fish 47 Air raid or fire engine sihnallers 48 Greetings 49 Caught some Z’s 51 Pig’s digs 52 Protestors’ shouts 55 Answer to “Shall we?” 57 Johns of England? 58 San Francisco gay rights martyr playes by Sean Penn in a 2008 film 64 Sheltered, at sea 65 Confessed, with “up to” 66 Mixed bag 67 Nodding 68 Brings up 69 Mongolian desert Down 1 Tavern 2 Historical period 3 Zilch 4 Memorial Day solo
5 The V in IV 6 Yemeni’s neighbor 7 Tie the knot 8 Before, to Byron 9 Stringed instrument 10 Run-down urban area 11 Fearless, five foot tall labor leader for whom a popular progressive magazine is named (6,5) 12 Diarist Frank 13 Close in on 18 Owl’s cries 22 Like logs by the fireplace 23 Horror film reaction 24 Inability to perceive written
words 25 Farm worker and labor organizer/civil right activist who co-founded the United Farm Workers (5,6) 27 Songwriter/organizer, executed in 1915, whose spirit lives on in a well-known labor movement anthem (3,4) 28 “...Holy night. ______calm...” (2 wds.) (3,2) 31 Place to enter a PIN: Abbr. 33 Part of an E-mail address 34 Bemoan 35 Fancy, as clothing 37 Duck calls on a fairway?
See previous issue answers on page # 21
40 Hide-hair link 41 Knight’s title 43 Top-quality 44 Clever and humorous 46 Sex researcher Alfred 47 Exceeds the limit, in a way 50 Garbed 53 Headlight? 54 NYC restaurateur Toots 56 Urban haze 59 Miracle response 60 Genetic messenger 61 U.N. workers’ gp.: Abbr. 62 Women’s ______ 63 Carp from Kyoto
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Current Real Estate Market Suggestions and Warnings SYED HASSAN Royal Le-Page, Royal Brokers
The Real Estate Market is so hot and active at the moment. I
So the question is! How is real estate booming in the GTA
have not seen this much activity in the last 15-20 years of my
during these unprecedented times? What you need to know
real estate career.
and what are the do’s and don’ts at this time.
Despite what we are currently going through these last two
Some quick Suggestions and Warnings:
years, the COVID-19 pandemic is something that we have
• Consult an experienced and mature Realtor.
not seen in a 100 years. The economy is shattered, businesses are closing left, right and center.
• First, get your mortgage approval in place. Approval not a pre-approval.
We face an uncertain future. The travel, tourism, retail and the restaurant industries along with most of the major pillars
• Do not rely on a loan, line of credit or any other borrowed
of the economy are in terrible condition. Governments are
money for your down payment or deposit.
supporting them through rent and wage subsidies in addition to no interest loans amongst many other programs, to many
• Do not speculate.
to mention. • If you decide to buy a property, plan to keep it for a minimum of 5 years. Do not plan on a quick flip and expect profit. • Do not indulge in bidding wars or multiple offers. You will end up paying more and at the time of closing, appraisal can be an issue. If market settles you could end up with 50 to 100 thousand less in equity. • If you are planning to buy, wait for late spring or early summer, as more inventory will arrive and prices will settle. • If you are an investor, look towards the condo market. The resale Condo market is struggling and currently in a
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MBE BUSINESS MAGAZINE FEBRUARY 2022
W W W. M B E F O RYOU. C O M
investment in a resale of a condo. Once Covid-19 is done,
Author: Syed Hassan, Broker, Royal Lepage Exceptional
things will return to normal and the demand for Condo’s will
Professional and Educational Background
be back.
B.Sc. Electrical Engineer, Real Estate Broker, Financial
downward spiral. One can easily make a good return on an
Advisor, IQCS Certified Lead Auditor & Consultant for ISO • First time home buyers should also consider the Resale
Management and Environmental Standards, Certified Total
Condo Market as the competition and prices are low.
Quality Manager.
Mortgages will be easier to get approved as prices will be low. Choice of locations will be much better.
Professional Experience and Affiliations MB Group of companies, Royal Le-Page Exceptional, Royal
• When looking at investment properties, make sure you have
Brokers, American Express Bank of Canada, Budget Rent a
enough money for a higher than usual down payment, like
Car, Moody’s, SGS, PIQC.
30% or 40%. Mortgages will be tough and hard to get in the next few years. • If you are currently holding a property for a couple of years and that property has reached its height in terms of what the property is worth, now maybe is the time to sell. This step will give you leverage to close other potential investment properties easier. • Do not re-finance current properties to invest in future projects. • Keep a cushion of 4-6 months rental for any investment property, just in case that property can’t be rented right away.
W W W. M B E F O RYOU. C O M
MBE BUSINESS MAGAZINE FEBRUARY 2022
35
5 Banking Facts to Fortify Your Finances in 2022 ENTREPRENEUR.COM 2022. New year. New you. New look at banking? It would be a smart move.
enough cash to cover three to six months’ worth of expenses,
Now is a great time to take a fresh look at your banking habits
the growth potential to outpace inflation.
and see what you can do to help reach your financial goals. Here are five facts to know about banking in 2022 and actions you can take to boost your finances in the new year.
consider putting any extra money into investments that have
2. Adjusting your budget can help ease the burden of inflation Inflation edged up in the latter part of 2021, so you will want
1. Your emergency fund is still a top priority
to pay attention to it in 2022. You may not be able to control
With the COVID-19 pandemic, you might have read more in
inflation, but adjusting your budget can help ease the burden
the last two years about the importance of saving money for
of higher prices and help you avoid savings shortfalls.
emergencies than ever before. It’s still important for 2022. You want to have enough savings to help cover unexpected
Take action
financial setbacks, ideally enough to cover at least three
“This is a good time to take stock of where you spent money
months’ worth of expenses, stashed in an easy-to-access
over the last year,” Wetzel says. (Online bank and credit card
savings account, says Caroline Wetzel, a vice president at
statements are a good place to look.) Review your expenses
Procyon Partners, a wealth advisory firm in Shelton, Connecti-
and prioritize must-haves, which could include groceries,
cut.
housing costs and building up your emergency fund. Then, determine if any lower-priority expenses can be cut going into
An ample savings balance can be helpful for more than just
the new year, she says.
financial emergencies. “The pandemic has many people reframing and reshaping their expectations in life,” leading
If some of your must-haves increase in price throughout the
some to quit their jobs to pursue more fulfilling roles, Wetzel
year, you’ll know that you can still afford the things that matter
says. “If you are thinking about becoming part of ‘The Great
most. Use any extra funds to create (or update) a solid
Resignation,’ you may need to boost your emergency savings
savings plan.
even more, along the lines of six months’ of cash instead of three,” to cover any drops in income, she says.
3. It may be easier to avoid overdraft fees You may have more options to steer clear of overdrafts in
Take action
2022. At least one large bank has announced an end to
Set up an automated savings transfer from checking to
overdraft fees in early 2022, and the Consumer Financial
savings to build your bank balance. Make sure that your
Protection Bureau recently reported that it will be “enhancing
money is working hard for you, earning as much interest as
its supervisory and enforcement scrutiny of banks that are
possible. You’ll often find the best savings rates with high-inter-
heavily dependent on overdraft fees.” The bureau could
est online savings accounts.
assess huge penalties for illegal overdraft practices.
If your emergency savings account is fully funded with
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MBE BUSINESS MAGAZINE FEBRUARY 2022
W W W. M B E F O RYOU. C O M
Take action
5. Your child might use a new banking app
If you were hit with overdraft fees in the past, think about
Banks and financial institutions have rolled out banking apps
switching to an institution that makes it easy to avoid these
specifically for kids and teens, and if your child hasn’t signed
fees.
up already, these apps are worth a look in 2022. Banking apps can help kids build financial literacy, says Clark Kendall,
4. Another institution could be a better fit
president and CEO of Kendall Capital, a wealth management
Since the start of the pandemic, many people have been
firm in Rockville, Maryland. “Giving kids a budget and the
assessing what’s important to them, Wetzel says. For some,
responsibility to make certain purchases — such as their own
that could include deciding if the banks they do business with
clothes or shoes — helps better prepare them for managing
match their values.
their own money in the future,” he says.
According to a recent NerdWallet survey, 78% of banking
Take action
customers say having a primary bank that is ethical or
Have your child download a kid-focused banking app to learn
socially responsible is very or somewhat important. The
about spending and saving. Parents can transfer money
survey of more than 2,000 adults was commissioned by
electronically through many apps and help children set up
NerdWallet and conducted online by The Harris Poll.
savings goals. When kids see their own bank balances grow,
This finding suggests that ethical or social issues such as
it may help them decide whether they need to splurge on a
racial equity, environmental impact and community impact are
trendy purchase.
important to consumers when choosing whom to do business with.
Take action If your current bank doesn’t reflect your values, consider choosing a new institution that does.
W W W. M B E F O RYOU. C O M
MBE BUSINESS MAGAZINE FEBRUARY 2022
37
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Economic Impacts Of Covid-19 On The Canadian Aviation Industry
DMM DEPARTMENT MB Enterprises
The Canada’s aviation industry has been facing heavy
cancellations that the pandemic has caused. In simple words,
economic impacts and a crisis scenario due to the impacts of
it has been terrible as far as travelling is concerned. Vitally,
COVID-19. Since, the World Health Organization declared on
due to the amount of travel restrictions being imposed
11th March 2020, that the world is undergoing a pandemic
regards to international flights from Canada and flights from
situation. The impacts on the aviation industry has been
one province to another. The main reason for people prefer-
massive in terms of the losses. Ironically, according to the
ring not to travel was mainly due to spending some time in
stats, these are vital facts for Canada’s aviation industry as
quarantine as mandatory set of rules after travel, and a series
well according to IATA rules in place. Most of the rules of
of lock-downs happening in Canada.
IATA, i.e. Int. Air Transport Association are merged with the rules and regulations of WHO, i.e. World Health Organization
The health, safety and well-being of the passengers and staff
to combat the effects of the pandemic.
became the aviation industry’s number one priority in the recent times. The Airports all over Canada has introduced
As these losses have been witnessed everywhere in most
many new health and biosafety measures to help ensure the
sectors of the economy including sports, business, stock
health and safety of the passengers. Apart from this IATA has
exchanges, real estate and other financial sectors. The airline
made sure that the customer expectation reflects the chang-
industry has witnessed the largest sufferings in terms of
ing expectations and also addresses the passenger’s
cancelled flights, travel & health insurance claims, and other
concerns.
W W W. M B E F O RYOU. C O M
MBE BUSINESS MAGAZINE FEBRUARY 2022
39
IATA’s ROLE MERGED WITH THE CANADIAN AIRPORT AUTHORITIES:
GETTING ON THE PATH TO RECOVERY:
The roles and responsibilities of IATA were merged with the
was made easy by IATA & Canadian airport authorities. The
Canada’s airport authorities has surely proved to be practical
credit largely goes to the consistency involved in the practices
& full of excellence in terms of the recovery process. This role
being imposed, especially regards to health & safety practic-
was seen more dynamically while making sure that health &
es during air travel. Hence, with the biggest vaccination
safety measures during travelling were highly standardized
campaign in history that is underway, we have seen some
and strictly monitored. This is true for both international
very optimistic signs and prospects for recovery. This is vitally
travels & travels within the provincial boundaries of Canada.
because both the travelers and the industry stakeholders are
These measures includes wearing masks, taking quarantine
keen to resume travelling on a much faster rate.
Getting on the path to recovery at the start of the year 2021
after flights, proving to be fully vaccinated, having no symptoms of COVID-19 and finally making sure that travelling
All these efforts in Canada has proved very optimistic regards
from one place to another is highly safe regards to health &
to both international and domestic air traffic. The domestic
safety guidelines.
passenger traffic is expected to reach the 2019 levels by the second half of 2023. Indeed, a massive recovery regards to
The capital Ottawa and the largest metropolitan city Toronto
the amount of catastrophe that has already been seen in the
were the first one to implement these laws on their internation-
Canadian aviation sector. This means practically 2.5 years of
al airports. Thus, also travel within Ontario province was
recovery and getting back to 2019 figures that were fantastic
made strictly according to the health & safety guidelines for
stats in terms of the passenger traffic. A huge credit goes to
the first time as compared to other provinces. COVID-19 has
IATA and ACI, i.e. Airports Council International, a body that
caused a huge number of deaths in Ontario apart from the
was founded in 1991.
many financial and business losses that the vast province has suffered. Health & safety and the well-being of the passengers was being monitored not only for air travels, but also for train travels as well as other modes of public transports & travels within Ontario with heavy fines being imposed initially on non-compliance.
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MBE BUSINESS MAGAZINE FEBRUARY 2022
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THE ROLE & IMPORTANCE OF CANADA’S TRUCKING INDUSTRY DMM DEPARTMENT MB Enterprises
Canada’s trucking industry is a very integral part of the
commuting from one city to another city, but also from one
Canadian economy & the transportation sector in Canada.
Canadian province to another. On top of this, these heavy
Highly dependent on the laws of road safety and rules &
vehicles are also used vitally for sake of commuting from
regulations that relates heavily with heavy vehicles on the
Canada to United States and other countries nearby example
Canadian highways. At the same time driving heavy vehicles
Mexico.
and trucks needs some important understanding of the Canadian highways and roads that are very wide in terms of
Trucks are manufactured according to the laws of technology
the size. Used for the sake of supply chain for bigger compa-
that demands excellence in terms of road safety, usage of
nies and in warehouses it’s indeed a massive role player and
manpower, and flexibility elements for example features that
contributor to Canadian economy. Trucks are not only used for
includes suspensions that moves the truck up and down. At
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MBE BUSINESS MAGAZINE FEBRUARY 2022
W W W. M B E F O RYOU. C O M
the same time heavy vehicles used for the sake of loading
The trucking industry in Canada has more job opportunities
and unloading for supply chain are manufactured in ways that
than any other field. More precisely as there is a need for
demands excellence according to the quality assurance
young blood in the trucking sector as there is a huge concen-
procedures.
tration of drivers that are in their age of retirement. Hence, there is a gap in employment due to the increase in rate of
In Canada, the role is evident in many diversified sectors that
retirement and that gap needs to be filled up through hiring of
includes retail industry supply chain, moving vehicles from
new truck drivers that are young and energetic. It is much
one place to another (demands safety), construction industry,
expected by 2024 that the gap will be about to be approxi-
and finally in waste management sector. All the sectors are
mately 50,000 drivers. Thus, it will create automatically heavy
mandatory units in the Canadian economy and outlays heavy
opportunities for the young drivers to keep the Canadian
profits to the economy on an annual basis. Obviously, the
wheels rolling on the roads of North America.
truck drivers’ needs to pass certain fitness tests that are on the basis of mental and physical fitness of the drivers. Thus, a
It is indeed a good career, naturally as it gives a huge boost
career in trucking industry is highly demanding & needs
to the overall Canadian economy. The economy has huge
excellence.
dependencies on supply chain and as online shopping is one
WHY YOU SHOULD NEED A CAREER IN THE TRUCKING INDUSTRY?
of the biggest trends in the continent North America. Especially, in Canada it is increasing every year on a much faster and rapid pace. Hence, what exactly the e-commerce and online
If you feel that you are indeed a good candidate for a career
shopping industry demands is timely commuting, and
in the trucking industry. Than definitely, you must fulfill certain
management of the health & safety requirements that are
key criterion that should match the demands of the industry.
needed to maintain on the massive Canadian roads.
You should not only have good driving skills, but also mandatory skills needed to communicate as a truck driver travelling from one place to another. At the same time you must pass the driving test that is for truck driving in Canada which demands driving with road safety rules, and importantly the focus that is much demanded for long journeys. W W W. M B E F O RYOU. C O M
MBE BUSINESS MAGAZINE FEBRUARY 2022
43
TOP TOURISM DESTINATIONS FOR THE PROVINCE OF NOVA SCOTIA
DMM DEPARTMENT MB Enterprises
Tourism in Canada is highly dependent on some vital
The province has got some scintillating attractions that are
provinces and territories that are regarded with highly rich
worth visiting if you are going to Nova Scotia for the sake of
tourism values. These includes Ontario, Alberta and British
tourism. Yes we are taking about places and locations like
Columbia being the most visited and famous ones in terms of
The Skyline Trail, Old Town Lunenburg, The Cabot trail,
the tourism destinations. Apart from these is Nova Scotia, a
Maritime museum of the Atlantic and some national historic
province which is very beautiful in terms of the scenic beauty
sites. Tourism values unites Canada and the Canadian
elements in Canada & national historic sites. People coming
citizens as they love to explore the beauty of their own land. A
to Canada from the neighboring United States & abroad as
country that is ranked number two in the world in terms of the
well as those from within Canada but from other provinces
covered area, i.e. after Russia. You would love the nature
and territories do come and visit Nova Scotia every year.
while hiking, walking, jogging, or cycling and exploring the
Thus, increasing the tourism values that are interconnected
gorgeous air of Nova Scotia which is all filled with freshness
with the gorgeous province as much credit goes to its
and warmth for those coming to the amazing Province even
gorgeous and breathtaking landscapes.
for the very first time. Nova Scotia ranks on number 12 in area amongst the 13 provinces and territories of Canada.
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While the largest metropolitan city and the capital is Halifax. However, in terms of the population it ranks 7th amongst the
3. THE HALIFAX WATERFRONT BOARDWALK: It’s the Capital city of Nova Scotia, Halifax that like most of the
Canadian provinces and territories as population is increasing
Province’s big destinations, sits right on the water. The
gradually in the province Nova Scotia.
waterfront is home to one of the world’s longest downtown boardwalks. It’s a two-mile Halifax Waterfront Boardwalk
Some of the key tourism destinations are as follows;
1. MARITIME MUSEUM OF THE ATLANTIC: The Maritime museum of the Atlantic is one of the key sites in
which is home to many cultural and historical experiences which includes the Canadian Museum of Immigration at Pier 21. Also, the Maritime Museum of the Atlantic, another rich experience.
the Province Nova Scotia. It is Canada’s oldest and the largest Maritime museum and covers all the bases when it
Also home to many small but unique shops and boutiques.
comes to the boats. These boats ranges from small crafts and
Also, includes the best eats in the Capital Halifax which
sailboats to war convoys and cruise ships. People come here
includes the famous fish and chips. As a tourist you would
in numbers to explore the Maritime Museum & its historical
love and live the experience of visiting the Halifax waterfront
significances attached since a long time back. They also have
boardwalk while you have a good beach volleyball game or
the curiosity to learn about the famous 1917 Halifax explosion
you fancy having an ice-cream.
that would shape the future of the city. Apart from the many things to explore in Maritime Museum of the Atlantic are the 30,000 artifacts and an equal number of photographs that are present for the tourists to browse for.
2. THE SKYLINE TRAIL:
4. FORTRESS OF LOUISBOURG NATIONAL HISTORIC SITE: The national historic site known as Fortress of Louisburg has a history that dates back to 1700s. This site was one of the busiest harbors on the continent in the 18th century while
There are few places in the world that beats the Skyline Trail
acting as a key French site for the defense and trade. Don’t
when it comes to viewing the sunset in its full glory. It is
get shocked by the Canon’s roar as you can even learn to fire
located in Cape Breton Highlands National Park and it is a
yourself. A site that has rich values attached with the French if
relatively easy five-mile return hike that brings you directly
we go back in 1700s. A special place to visit especially for
into the boreal forest, through the meadows and up onto a
history students, researchers, and historians of the current
cliff.
era.
Some people don’t come just for the sake of sunset, but to
5. PEGGY’S COVE LIGHTHOUSE:
enjoy the hike on a Sunday morning while being a great
A lighthouse holds many values, but there are few that are
outdoor experience. This is true interestingly for people who
regarded as tourism attractions. There are approximately 160
love wildlife viewing, i.e. eagles overhead, moose on the
lighthouses in Province Nova Scotia, and Peggy’s Cove
ground, and whales out in the gorgeous waters. All in all, it’s a
lighthouse is one of them which might not be the most
great place to visit especially for those who love to go
photographed or famous. However, it was built in 1915, the
Outdoors while being fully equipped for a good 10-15 hours of
red and white lighthouse sits proudly on a granite outcrop
an outdoor expedition. One of the most visited and best
overlooking a large bay. People usually come to visit the
places in Canada for an outdoor experience that you will
lighthouse, take photos, and head into the nearby fishing
never forget in any way.
village.
W W W. M B E F O RYOU. C O M
MBE BUSINESS MAGAZINE FEBRUARY 2022
45
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MBE BUSINESS MAGAZINE FEBRUARY 2022
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Burlinghton Ontario Health Team Launches A Mobile App For Better Connections Of Patients To Services DMM DEPARTMENT MB Enterprises
Ontario is a province that is improving
acts as a single access point to a
very easily help the residents find a
everyday with respect to health
wide variety of community providers.
family doctor, mental health services,
facilities and tech advancements that
hospital care, addiction services,
relates to improving health of
The benefits associated with a health
chronic disease support, social
patients. Similar to this, Burlington
app includes timeliness in business
connection, palliative care or access
has launched a mobile app for much
operations, better connectivity of the
indigenous and LGBTQ + resources.
improved and better connections of
patients to their needs and organized
the Ontario health team with their
& finally disciplined services apart
Just like the health and fitness apps
patients. Health apps are a common
from the responsiveness. It’s for the
that are so popular amongst the
feature these days, however, how
sake of patient’s convenience
famous health apps. This app is
well they can correspond to the
aspects so that they don’t take all the
becoming very popular amongst the
needs of people is the most amazing
time in the world to look out for what
residents of Ontario. It is also a
thing. It provides 24/7 access to
they are looking for. The app is
massive step towards creating a
localized health care and social
available on Google play store and
powerful bridge between technology
services in Halton. Known technically
Apple, as from the marketing
& medicine, i.e. health services. Time
as Burlington Health Navigation app,
point-of-view it’s indeed a revolution
is always a key factor.
it is the first of its kind in the whole
in the fusion of technology with
province Ontario and dynamically
medicine & health services. It can
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THE GOALS & MOTIVES BEHIND THE APP:
apps are coping up every day with the trends. Ironically, the
The development of this app began in the month of May this
motive is handling of emergency situations with a far more
year. Hence, the goals and aims of the Ontario Health Team
technological know-how. Hardly anyone is not having a smart
(OHT) is to increase the focus on the health needs of patients
phone these days, and having a good idea of what the app
in the region of Burlington. The mission is to keep improving
provides will definitely improve the situation handling time.
and improvising the app known as Health Navigator App to avoid situations where the patients can expire or where they
A DIGITAL FRONT DOOR IN THE MAKING -‘CONNECTING PEOPLE WITH HEALTH’:
can develop the capacity to get into a difficult or highly
With everyday advancements in the world of mobile technolo-
unwanted medical scenario. According to the President & The
gy and the digital world. Burlington Health Navigator App is a
CEO of Joseph Brant Hospital, the development of this Health
fresh start towards the making of a digital front door. A new &
Navigator App and the website is a huge milestone for Ontario
an improved opening in the world of digital media, as the digital
Health Team (OHT). It will be a huge boost of technology and
front door scientifically combines health apps with the people
the digital age, merged with medical services.
for bigger & better connectivity. It’s the most secure connection
build more content and access to services. Also, the aim is to
with the people that counts heavily in the world of digital A famous amongst the people linked with sports activities in
media.
Ontario province as it can help them reduce their injuries or otherwise act immediately regards to injuries. Services provided through app are fast, reliable and for people prone to injuries like sportsperson it’s indeed a huge blessing. Obviously, highly linked up with the blessings of the internet. Similar to fast and easy access to the emergency services that includes Police, Ambulance, and Fire & Safety. The health
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MBE BUSINESS MAGAZINE FEBRUARY 2022
49
TOPBENEFITS
RMA/MBBP CANADA WWW.RMACANADA.COM
Payment Processing Services Credit & Debit Cards
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ATM Deals and Offers
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Esso (Imperial Oil)
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Voortman Bakery
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Energy Savings
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Grocery Coupon Redemption Service
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Pay stubs, cheques and office supplies. 50% discount on first purchase
50
Deluxe Nebs
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Accounting Services
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Drug Plan
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Home, Auto, Health, Dental and Life Insurance
10.
e-Shipper
11.
Cineplex Discount
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Northern Financial Group
13.
MBE Business Magazine
14.
Real Estate
15.
MBE BUSINESS MAGAZINE FEBRUARY 2022
W W W. M B E F O RYOU. C O M
Choice Hotels
16.
Avis Preferred Services
17.
Travel & Tours
18.
Budget
19.
Immigration Services
20.
MBE Technologies
21.
Mortgage /Business Loans
22.
MBE Construction
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Credit Counseling
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RMA and MBBP Revenue Sharing
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MBE Software Solution
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Weston Bakeries
27.
South Cove Foods LP.
28.
Canadian Corporate Legal Services
29.
Legal Services
30.
W W W. M B E F O RYOU. C O M
MBE BUSINESS MAGAZINE FEBRUARY 2022
51
horoscopes
february 2021 aquarius This year which is 2022, you may see harmony to be the
Horoscope of Aquarius 2022:- Wait For The Right Time
keyword for you. You would indeed follow the principles of
You would like to change your job because the present
peace, and this is likely to help you in your endeavor.
position may not be very satisfying. But, unfortunately, the
Further, at work or home or with friends, or with your
right astrological moment has not yet arrived. So, it would
hairdresser, everyone you meet this year, you may continue
help if you kept your cool.
spreading your joy and happiness.
Year of Aquarius 2022:- Gratitude and Gratefulness
If the package is an issue with your current job, we advise you to take up freelancing work and earn extra money.
Thanks to the principles of harmony that you would follow
If you’re seeking a job due to discontent with your boss’s
this year. Just make sure that you don’t miss out to acknowl-
current position or issues, stay away from work conflicts.
edge anyone due to ignorance since this can take away your
Instead, maintain a good relationship with your bosses,
importance in the days to come.
including your managers, co-workers and juniors.
Giving due credit for the required things is essential; you
Aquarius year 2022:- Fab Moments
want to acknowledge the people associated with the hard
Do not start your dream project now. Through introspection
work.
and exercising your mind, you may feel more relaxed and less mundane. You may rise above the stress and strain of
Appreciation and acknowledgement are the biggest cheer-
routine existence. So, enjoy!
leaders for everyone. Lack of appreciation makes the person less motivated towards things. Whereas on the other hand,
Your patience, tenacity, commitment and purposeful nature
when they are motivated, they are striving for more and
may make it easier for you to deal with your problems and
more.
others. But, on the other hand, your impulse to derive more and more returns while implementing your ideas may bring
“Let us be grateful to the people who make us happy; they
opposing approaches towards you from assisting you in
are the charming gardeners who make our souls blossom.” –
flourishing your project.
Marcel Proust.
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You may be the object of affection by being sweet as honey,
students who have been working hard for a long time to
painting visions of the future and imparting some of them with
pursue their desired higher studies may have to settle down
secret, spiritual or unselfish communications. With which a
to prepare for their academic education. But the good part is
sense of joy and cheerfulness may fill you.
that you would have options to choose from.
2022 Horoscope for Aquarius
Isn’t it wonderful! Now do not waste time buckle up; get back
Women may have a joyous time this year. Your love signs are
to your studies. It would help if you worked hard. The stars
shining brightly over you, and you may go through the most
are on your side, do not let things go haywire because you
fabulous moments this year. Your wait to be a mother may be
have not put in enough effort.
fulfilled this year.
Thanks to the dedication and hard work you have been investing in for a long time, bringing you closer to your dream
There are chances that you may visit the doctor, bringing joy
is fulfilled.
and a beautiful new essence to life. Precaution and care should be taken, and everything should go smoothly. You may
Again, those of you who are singles may find the year to be
sort out some plans for the upbringing of your financial and
tricky. You may be emotionally connected with someone but
career life. But you may lack support from others which can
may have some doubts about the newly linked up person.
bring a delay on your project. You tend to be somewhat shy
There is a possibility that you may not be happy with the way
and secretive.
life would take up a turn, and this would make you reconsider your decision to tie the nuptial knot with the person.
Also, you value your privacy a lot. All this may take a lot of time for you to mingle with the new circumstances you are
Also, those of you planning to own a property in a foreign
going through. And that is ok! Take your time, do not force or
land may relook at their decision. Due to specific technical or
exert yourself to do something which you do not feel entirely
legal glitches, you would be forced to postpone your decision.
ready for yet.
So, make sure you are normal and not get easily perturbed with the conclusion that you would be forced to take up
Aquarius Astrology 2022 – Stars Are On Your Side
concerns about accumulating your wealth.
2022 is also the year for higher academic learning. So those
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53
Fifa World Cup Qatar 2022, The Biggest Sporting Event After Covid-19 Outbreak
DIGITAL MEDIA MARKETING MB Enterprises
We are on the verge of entering 2022
18th of December 2022. Qatar is a
and Qatar will be hosting the biggest
country that has been in preparation
sporting event in history after
for the world cup since the last five
THE MAGNITUDE OF EXTRAVAGANZA EXPECTED IN THE GRAND TROPHYQATAR 2022:
COVID-19 outbreak. The event shall
years and some of the stadiums are
Many sports have suffered a lot due to
be the first one to be taking place in
newly constructed just for the sake of
the two years that have caused delays
the Middle-East and an Islamic
this event. In the glorious history of
and postponements in the trophy.
country will take the noble rights to
FIFA world cups that started from
Fortunately, FIFA didn’t suffered a lot
hosts the prestigious FIFA tournament
Uruguay from 1930, most of the world
as Euro 2020 was delayed just for a
its 22nd version. No wonder the world
cups have taken place in South
year and took place in 2021 in Europe.
has seen many catastrophes and
America, European countries, North
Eleven European countries jointly
devastations due to the pandemic
America and 2002 world cup was the
hosted the trophy that was delayed for
since the last world cup that was
first one to take place in Asia. A very
a year and final took place in Wemb-
hosted in Russia in 2018. An event
successful of the World Cups while it
ley, London with Italy becoming the
that made France the world champi-
was jointly hosted by South Korea and
European champions for the second
ons as they won their second tourna-
Japan. The world cup winners for
time. Apart from the Euro Cup, there
ment after exactly two decades.
2002 world cup were Brazil who were
were little sufferings and damages
the first nation to mark their name into
that were caused to the most famous
The world cup will start in Qatar from
the new millennium with their fifth
sports in the world, i.e. Football.
21st November and shall finish on
world cup win.
Especially, we are talking about
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International Football, as the leagues have definitely suffered
THE MOST FAVOURITE TO LIFT THE TROPHY:
due to the pandemic.
Amongst the most favorite to lift the FIFA World Cup is now Italy who are the European Champions but failed to qualify for
Since the pandemic arrived in the end of the year 2019, it
Russia 2018. Although, they have already won four world
took reasonable time for the recovery which is good enough
cups, but the latest one was 15 years from today, i.e. 2006.
as FIFA 2022 will eventually take place.
England is yet another favorite being the semi-finalist in 2018
THE BIGGEST TROPHY WITH A HUGE FAN FOLLOWING:
world cup and finalist of the Euro Championship in London. However, can’t leave Germany, Spain and France behind who
Much to the expectations of the fans the trophy is expected to
have won the world cup at least once each time. To be exact
be a grand extravaganza that will take place in Qatar.
Germany has lifted the trophy four times, France twice and
Ironically, as the trophy has got many eyes on it with almost
Spain once.
all the key nations expected to fight for the biggest award. Gianni Infantino, the President of FIFA who is an Italian from
In the list of South American nations its Argentina and Brazil
background and was born in Switzerland. Infantino is highly
who are the favorites as Argentina has won the tournament
positive that the trophy will have the fire, the intensity and the
two times and Brazil five times. Whoever wins the tournament
passion that is always wanted for a game like football. He
this time, it’s definitely a certainty that World cup 2022 will be
truly thinks that the experiment to have this trophy for the first
the most interesting World cups ever to take place. Significant-
time in the Middle-East and in a country like Qatar will never
ly, as many things have changed from the health & safety
fail to deliver. Qatar is a financially strong nation and is a
point of view due to the Coronavirus being a cause of many
number one nation regards to the GDP Per Capita. A rich
losses to life. Qatar 2022 is highly expected to take place in
country that has all the capabilities to host a FIFA tournament
the midst of all the health & safety precautions that are
of this magnitude and something that demands excellence.
needed for the safe handling of the prestigious event.
Efforts of FIFA are getting evident a year in advance even though it’s still very early to predict that how the event shall
As Shakespeare once said, whatever happens, ‘The Show
take place. However, if it will take place, it shall truly be the
Must Go On’? Hence, the trophy is likely to take place with all
biggest and most successful trophy that shall be taking place
the necessary precautions and measures that are needed.
after the COVID-19 outbreak.
Importantly, it will also be the first FIFA world cup that shall take place under the necessary health & safety precautionary measures.
W W W. M B E F O RYOU. C O M
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55
Milton Highlights Its Goals For The Year 2022 Climate Change Actions
DMM DEPARTMENT MB Enterprises
Milton Town is a town in Canada in Southern Ontario and is a
The Milton Town has released its climate change action work
key part of the Halton Region in GTA, i.e. Greater Toronto
plan for 2022 and the details of this plan range from develop-
Area. The Town has got huge energies for the inhabitants,
ing an electrification strategy for transit to enhancing the
especially for the youth and their spirit to work and play every
town’s urban forest canopy.
day. A busy town that promotes a healthy work culture apart from the playing facilities and rich facilities available especial-
According to the Mayor Gord Krantz in a press release, he
ly for the children and the minors. The town has highlighted
said that the Milton Town is highly committed to invest and
their vital goals for the climate change actions in 2022 year
employ the dynamic solutions that will definitely provide a
and their environmental targets that Milton shall be targeting
sustainable future for the Milton Town for many more years to
to achieve. This is part of the improvement program for the
come. Sustainability is a key agenda for the Province Ontario
people of Milton distributed in small communities throughout
and Milton is not far behind in working their part to achieve
the Milton covered area. It’s a test for the people of Milton
sustainability and the associated targets. A Town that falls in
who are willing to cooperate regards to the town administra-
Southern Ontario will soon be more worth living with higher
tion’s environmental targets.
passion and energies due to the announcement of the
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definitely a year that will be seeing sustainable developments
A SUMMARY OF KEY HIGHLIGHTS- CLIMATE CHANGE ACTIONS 2022:
in many Canadian cities not only in Ontario.
All these plans and agendas made for Milton Town, Southern
climate change actions planned for the year 2022. It is
GOALS SET FOR THE YEAR 2022- AGENDAS IN ACTION
Ontario are highlighted in more detail below; • The installation of electric vehicle charging stations at town
As part of the strategies adopted and the goals highlighted for
facilities. An effort for the promotions of electric vehicles in the
the upcoming year 2022, there are certain goals Milton Town
Province Ontario.
council and authorities have set for them. These are in
• Developing a dynamic electrification strategy for the town
alliance with the plans of the Canadian govt. regards to
vehicles, including the transit. A strategy that will prove to be
climate change actions set for 2022. The year of the pandem-
far more sustainable in next five years.
ic, i.e. 2020 and 2021 has definitely disturbed many plans
• A comprehensive plan for the sake of reducing greenhouse
made by the Canadian authorities regards to Ontario
gas emissions by 20% corporate-wide and 6% communi-
province, especially Southern Ontario. Vitally, as Ontario
ty-wide. Both targets, i.e. community-wide and corporate-wide
region w.r.t. Southern and Northern Ontario has been the
are the agendas of provincial govt. for the reductions of
most affected ones in terms of the COVID-19 cases
greenhouse gas emissions.
registered.
• An investigation of retrofitting the Mattamy National Cycling Centre for renewable energy for e.g. solar power. A massive
These plans will prove to be key developments for the people
part of sustainability agendas for the Milton Town & its
of Milton, especially in the next decade that will see more
suburbs.
developments in the area of climate change. Promoting electric vehicles in Ontario has been highest on the agenda regards to the efforts being made for sustainability. Electrification strategy is yet another part of the sustainability measures that are being planned to be conducted as part of the future strategies. One of the most important agendas that are being worked on carefully is planning to reduce greenhouse gas emissions in the year 2022. W W W. M B E F O RYOU. C O M
MBE BUSINESS MAGAZINE FEBRUARY 2022
57
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VALENTINE’S DAY CELEBRATIONS & THE BUSINESSES THAT WILL PROFIT FROM THE DAY
DMM DEPARTMENT MB Enterprises
The Valentine’s Day 2022 will be
cards and gifts to those they love or
Day is used mostly for the sake of
falling this year on the 14th of
have a crush on. It’s a day where you
marketing and promotional activities
February as it has been following with
can express your feelings and
as well as music events and parties
consistency since many years. It is
emotions to those you love and would
that are just for the sake of
followed mostly as a symbolic day in
love to live possibly as a life partner.
Valentine’s Day. Cupid, the Roman
the West as it originated from United
Hence, it is popularly known as the
God of love according to the Greek
States. In many other countries
‘Day of Romance’ as love is a feeling
mythology is mostly worshipped on
especially in Asia it is followed not as
and an emotion that doesn’t need a
this day in form of expressing the
part of the traditional events but as
single day to be expressed, however,
best and most admirable feelings of
part of events and celebrations that
still it needs a day to be celebrated
love.
are inspired from the Western
and remembered.
cultures and ideologies. There is a
In addition to United States, it is
history associated with the
There are some commercial and
celebrated in Canada, Mexico, United
Valentine’s Day and its patron saint
business values attached with
Kingdom, France and Australia.
known as St. Valentine. Just because
Valentine’s Day and these days it is
However, in Great Britain Valentine’s
of this day February is known as the
practically practiced in all the parts of
Day began to be popularly celebrated
month of romance and people
the world. These values are more or
around the 17th century.
celebrate it traditionally by giving
less commercial values as Valentine’s
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BUSINESSES THAT WILL PROFIT MOST FROM THE DAY:
and represents Canada’s commercial values for the day in a
There are many businesses that might be known as season-
unique sort of way.
al or some that can transform their business activities into being seasonal. These are businesses that can profit most
• Pastry Making: Another famous eating item that is sold
from the Valentine’s Day in form of activities and events.
most on this day are the pastries. It is truly a day that
• Musical Performance: It is indeed a huge opportunity for
provides the sweets to the sweethearts. Therefore, if you are
those who love musical performances as the best expression
good in making delicious treats, and know well how to
of love is through music. There are a lot of clubs, bars and
present them in different attractive packages. You should be
restaurants that usually offer valuable opportunities for
making good profits on the Valentine’s Day. As we know well
people who are talented and have an intention to show their
that social media is already full of the pastry makers peddling
talent through music. The idea is creativity and making music
their wares to prospective valentine day’s customers.
that is a true language of love and the soul. Especially, in the West these professionals and professions can benefit from
There are many other businesses that can make desirable
the day while making it commercially more valuable.
profits on this day that is a day full of celebrations and being enthusiastic. These includes decorations and events organiz-
• Jewellery Business: The Jewellery business is yet another
ing companies that have a low budget but can make huge
business that has got immense commercial values attached
profits just on the Valentine’s Day. As a matter of fact for
on this day. People, especially celebs, use this occasion to
some people the day holds huge importance levels, while for
gift expensive jewellery to their most loved ones, i.e.
some it’s not that important. Having said that, it’s true that
girl-friends or wife. A jewellery is one of the best gestures
Valentine’s Day’s commercial values have been more than it
used by people on this day and is a celebration in itself. Also
used to be in past years. The credit goes to social media and
seen as a status symbol while depicting elegance and class.
the power of electronic media that has marketed the event
You can even venture into buying and selling necklaces,
with values of romance and love. It’s the adorable feeling of
bracelets, and rings of variable prices to suit the pockets of
love that needs no boundaries or languages to be
your markets. An example is Jenny Bird, a Canadian
expressed, but still it needs a cute Valentine’s Day card.
Jewellery brand who uses Valentine’s Day with great offers
EMPLOYEE EMPOWERMENT’
W W W. M B E F O RYOU. C O M
MBE BUSINESS MAGAZINE FEBRUARY 2022
61
The Global Supply Chain In A Post-pandemic World
DMM DEPARTMENT MB Enterprises
As the pandemic COVID-19 has caused a huge number of
These things can be called the loop-holes or the vulnerabili-
set-backs that were vital part of the economy throughout the
ties in the production strategies and the supply-chains of
world & in Canada. Significantly, it has also affected the
companies almost in all parts of the world. The main issue
Supply chain as well with an understanding of how the supply
aroused due to the timeliness factor being affected to a
chain should have been Pre-Pandemic to avoid sudden
massive extent. There were temporary trade restrictions as
disruptions & resistance. The Post-Pandemic world is largely
well as the storage of pharmaceuticals along with critical
focused on making supply chain being resilient at a far larger
medical supplies that were the highlights of the weaknesses
extent as well as it needs to be far more robust & more
in supply chains. Therefore, w.r.t all these consequences, the
sustainable to bear losses. Must have a higher tendency to
manufacturers all over the world have faced a greater amount
avoid uncertain situations and catastrophes such as a
of political and competitive pressures. These pressures have
pandemic situation or any similar situation that can arise all of
largely been to increase their domestic production, increase
a sudden.
employment in their countries and finally reduction of
HOW COVID-19 AFFECTED THE GLOBAL SUPPLY CHAINS?
dependencies on some sources. These can be termed as key sources that are mostly perceived as risky due to the resistances faced in Supply Chain activities.
The supply shock that originally started from China in February 2020 and the demand shock that followed as the
Especially true for countries where the pandemic has laid
global economy started to shutdown exposed many things.
most impacts in a matter of time. Examples includes USA,
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MBE BUSINESS MAGAZINE FEBRUARY 2022
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U.K & Italy where Supply chains have been on a massive
is an important part of the contingency planning that will help
suffering end apart from what happened in China in Feb
stabilize an unexpected and an unwanted scenario. It’s one of
2020. Later on in countries like Canada & Mexico where the
the key responsibilities of the company to have a determina-
pandemic showed its impacts on the economy in the end part
tion on how much extra stock to hold in the interim. Further-
of the year, i.e. 2020.
more, to determine in what form and where along the value chain. Ironically, as safety stock carries with it the risk of
It’s a challenge in the future for the companies, especially large companies to make their supply chains more resilient.
getting obsolete and apart from this also ties up cash.
competitiveness. Hence, in order to meet the challenge the
IMPROVING RESILIENCE THROUGH FRESH STRATEGIES:
first thing that needs to be understood is regards to the
As a matter of fact it is high time in order to adopt a fresh
vulnerabilities. Regards to the considerations it’s the vital
vision to the realities of the new era. Pandemic COVID-19 is
responsibilities of the supply chain managers to take certain
one of them and has shown many unexpected circumstances
steps that they should have taken far before the start of the
to the world. New strategies must be taken into consideration
pandemic. These can also be termed as contingency
in order to improve resilience as well as reduce the risks from
planning for future implications of similar things that has a
future similar disruptions like the pandemic. These can be
tendency to arise.
disruptions that are certain or slightly uncertain to occur,
They must undergo these practices while not affecting the
HOLDING THE SAFETY STOCK OR INTERMEDIATE INVENTORY:
however, the losses will be not that high if necessary steps are taken well in advance.
In order to encounter situations regards to the pandemic and acting well in advance. It’s mandatory for supply chain managers to hold safety stock or intermediate inventory. This
W W W. M B E F O RYOU. C O M
MBE BUSINESS MAGAZINE FEBRUARY 2022
63
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Safer Workplaces In Canada – ‘Thriving To Achieve A Safe Work Environment’
DMM DEPARTMENT MB Enterprises
Safer workplaces in Canada are more common these days as
tional health & safety and rules being applied that are
90% of the workplaces are according to health & Safety
international laws according to requirements of ‘advanced
regulations. This has been achieved through a period of many
safety nations’. Amongst the Canadian Provinces that
years, in fact after decades of hard work and persistence
opened their eyes and acted for the very first time was
regards to the areas of health & safety. Canada, the biggest
Ontario. In the famous Province, the paths towards the
country of North America area-wise is considered now to be
improved workplace health & safety began in the year 1884.
an ‘Advanced safety country’. This means it is amongst the
This happened after the Ontario Factories Act was passed,
‘advanced safety nations’ of the world, i.e. the countries that
something that started a system of inspections. Furthermore,
give massive priorities to health & safety at the workplace and
there were steps that were taken regards to the injuries at
training manual according to the type of work. ‘Advanced
workplace especially the factories. The first workers compen-
safety nations’, also includes workers who are acknowledged
sation in Canada came in the year 1886 and is known as the
and know their rights at the workplace.
Ontario Workman’s compensation. The compensation for Injuries Act stated that under some conditions where the
This is in the early 1900’s in Canada that many diseases or
injury has occurred to the workers. The workers could take
injuries were highly associated with unsafe workplaces or
legal action against an employer for injuries that are
hazardous occupations. This has been the cause of Occupa-
sustained at the workplace.
W W W. M B E F O RYOU. C O M
MBE BUSINESS MAGAZINE FEBRUARY 2022
65
SASKATCHEWAN & ONTARIO OCCUPATIONAL HEALTH ACT:
ACTIVITIES & ROLE OF HEALTH CANADA AT WORKPLACE:
Amongst the provinces and territories of Canada, its
The organization Health Canada, through its Workplace
Saskatchewan province where the occupational health Act
Health & Public Safety Program has provided national
was passed in the year 1972. It is considered by the law
leadership for the enhancement of healthy living for all the
makers as the first legislation of its kind in the province North
working Canadians.
America. According to the Act, the workers must have the right to know about the hazards and dangers at the
The role of organization Health Canada in this regards is vital
workplace. Secondly, the right to participate in the health and
as Health Canada is a key organization that monitors and
Safety issues through a work committee. Lastly, every worker
observes the health & safety workplace practices. Examples
must have the right for the refusal of unsafe work. These
includes, wearing safety helmets at the workplace, especially
three measures in the Occupational Health & Safety are the
on construction & Occupational Health & Safety sites. Also,
key basic identifiers of health & safety issues that can arise at
includes wearing jackets & hivis with protective material &
the workplace.
good for visibility. All these activities, also including wearing masks in recent times at the workplace are the responsibility
Another Occupational Health & Safety Act was passed in
of Health Canada along with CCOHS, Canadian Centre for
1978 in Ontario, which has certain additions due to the effect
Occupational Health & Safety.
of the happenings of 1974 miners’ strike. This miners’ strike occurred in Elliot Lake in Northern Ontario due to unsafe working conditions. The report presented in the Royal Commission on the wake of events of 1974, is also known as ‘The Ham Report’. A significant achievement that happened in the same year, i.e. 1978 was the creation of an agency. It is known in current times as Canadian Centre for Occupational Health & Safety (CCOHS), and the agency was formed by an Act of parliament. The activities of CCOHS has been phenomenal in past years and has been really important in bringing Canada into the list of ‘Advanced safety nations’.
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MBE BUSINESS MAGAZINE FEBRUARY 2022
W W W. M B E F O RYOU. C O M
WHERE BENEFITS MEET REWARD
Earn Extra income with RMA & MBBP Referral Program
REAL ESTATE
POS
750
MBE GLOBAL is a software house and IT firm that specializes in providing financial technology solutions to enterprises and firms worldwide.
global.mbeforyou.com CASHWAVE KEY FEATURES “Highly customizable” “Detailed daily / weekly /monthly reporting” “Manage cash loading agents” “Manage investors and set up commissions” “ISO can manage unlimited no. of merchant account ATMs” “Secure login with the option to create additional users and set up access controls on ISO level”
Contact Us: 1-866-667-1377
“Area management features”
global@mbeforyou.com
100
PERSONAL ACCOUNTING
POINTS
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ATM
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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
E-COMMERCE
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IWL255 3G Wireless
$32.99 Rental/month, Debit 0.06 cents Visa / Master 1.69, N-Qualified 0.064%
IN-STORE
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PAX S90 Wireless
Life Insurance
GPRS $25.99 R/m | Debit 0.06 cents, Visa/Master 1.61% | S.Card $8.99
Drugs & Dental Insuarnce Visitor / Travel Insurance Critical Illness Disability Insurance
Virtual Merchant
(with Mobile Swipper) $50 Purchase $15 Rent/month
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$26.99 Rental/month, Debit 0.06 cents Visa/Master 1.61%, N-Qualified 0.49%
GET IN TOUCH
68
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 FEBRUARY 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
W W W. M B E F O RYOU. C O M
3
TOP
MBE
ENEFITS
inc.
YOUR SUCCESS IS OUR PASSION
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
Payment Processing Services
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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
Contact Us: Address: 104-100 Dynamic Drive, Toll free: 1-866-667-1377 Email: info@mbeforyou.com Toronto, ON M1V 5C4 Fax: 1-866-204-6888 Website: www.mbeforyou.com
JOINT VENTURE FINTECH SELECT / RMA CANADA
MBE
inc.
JOINT VENTURE
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.
For more details about Selectcoin, please visit : www.fintechselect.com/fintech-selectcoin/ To know more about us visit : www.rmacanada.com
W W W. M B E F O RYOU. C O M
Address: 104-100 Dynamic Drive,Toronto, ON M1V 5C4 Tel: 1-866-677-1377 | Fax: 1-866-204-6888 E-mail: info@mbeforyou.com
MBE BUSINESS MAGAZINE FEBRUARY 2022
69
WHERE BENEFITS MEET REWARD
JOIN RMA MBBP
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VOUCHERS ARE GOOD AT ANY CINEPLEX OR AFFILIATED CINEPLEX LOCATIONS ACROSS NORTH AMERICA 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 CONTACT : Usman Farooq BA (Hons), CAAMP Mortgage Consultant ASSOCIATE OF AMIT PURI : 1200048 & Get A Better MortgageLIC 10874 Call For Professional Mortgage Advice
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MBE BUSINESS MAGAZINE FEBRUARY 2022
Direct: (416) 844-9192 Email: mortgage@mbeforyou.com Web: www.mbeforyou.com
W W W. M B E F O RYOU. C O M
SYED MANSOOR ALI NAQVI
AUTOBIOGRAPHY
“A Successful Canadian Entrepreneur”
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
WE ARE HIRING! Career Overview
RESORT MANAGER
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
WE ARE HIRING!
HEAD CHEF
stay@algonquininn.com
THE SENATOR HOTEL
&CONFERENCE CENTRE
JOB REQUIREMENTS Language: English Experience: Fresh Ability to Supervise: 5 to 10 People SKILLS: Maintain Records of Food Cost; Consumption; Sales & 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 FEBRUARY 2022
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TOP HR CHALLENGES TO OVERCOME IN THE YEAR 2022 DMM DEPARTMENT MB Enterprises
The upcoming year, i.e. 2022 is a
demands higher levels of responsibili-
ly as the human resources and their
year full of challenges for the HR in
ties and challenges that can grow
management needs to be highly
multiple ways. To overcome these
with time. While we ascertain that
effective for best results w.r.t.
challenges the Human resource
time is indeed a key factor, the
employee management strategies.
needs to develop a dynamic strategy
human resource strategy must use
for the year which shall be highly
both hiring procedures and laying-off
Some of the Top HR Challenges that
strategic and practical in terms of the
strategies highly effectively. However,
shall be encountered in 2022 are as
immediate measures. 2022 in
spending the time, the money and the
follows;
Canada is expected to be a year
efforts for the sake of identification of
where jobs will be highly in demand
HR challenges and overcoming them
1. MANAGING DIVERSITY:
in most sectors, especially post-pan-
needs some efforts. This is an
As part of the Top HR Challenges
demic COVID-19 and the impacts
absolute fact of the current digital
one of the key challenge is managing
that the economy has already
age, since one of the greatest assets
diversity & being consistent with
undertaken.
your company can boost are the
diversity. Part of the contributions to
Managing people is indeed a risk that
employees. They are known practical-
equal rights and opportunities in
W W W. M B E F O RYOU. C O M
MBE BUSINESS MAGAZINE FEBRUARY 2022
73
priorities for managing diversity effectively. These are highly
4. CREATING QUALITY MANAGEMENT PRACTICES FOR EMPLOYEES:
important KPI’s and part of the globalization agendas especial-
As part of managing the employees in an organization it’s
ly in a country like Canada. People from different origins,
important to create quality management practices for the
nationalities, and religions work together every day in Canada
employees. These are practices in the light of the organization-
for the sake of their career and everyday life goals.
al culture and values of quality management that relates to
Canada, it’s important for HR to develop a strategy that holds
2. MONITORING HEALTH & SAFETY GOALS EFFECTIVELY:
organizational behavior. Having a highly strict and standardized recruitment and screening process is part of the initial HR
The monitoring of the health & safety goals in the upcoming
hiring strategies. However, developing employee behaviors
year 2022 is one of the key challenges that will be faced by
needs to develop strategies for employee action at the
HR. This is mainly due to the pandemic COVID-19 that has
workplace. Symbolically as workplace is an arena for the
dented the Canadian economy heavily as well as in terms of
employees where they have to demonstrate their talent to the
the number of deaths due to the pandemic. It is indeed
best of their abilities.
important in 2022 that the health & safety measures are overlooked more closely to make sure that people deliver their
Hence, effective quality management practices are a vital part
best in a highly safe and healthy working environment.
of utilization of employ talent to their maximum potential.
3. EMBRACING A CHANGE CULTURE- ‘A KEY HR STRATEGY’:
5. ATTRACTING TOP TALENT:
Embracing a culture of organizational change is indeed most
As we are entering in 2022, the vital steps that needs to be
valued and wanted as part of the HR Challenges. This is more
taken should highlight the key importance levels attached with
ironic as change management is part and parcel of the change
attracting top talent. Most companies in Canada shall be
management strategies in the upcoming year 2022. Specifical-
looking for the utilization of the best talent available for jobs in
ly true as vital change management strategies are needed in
diverse sectors. Necessarily, a key HR challenge as there
the sector of health & safety after COVID-19 pandemic being a
shouldn’t be any compromise on quality & standards.
cause of many businesses being shut-down. It’s indeed important for the HR departments to overcome this Change management acts as symbolic in an organization via
challenge by having a clear understanding of the job require-
especially the practices and policies of the HR. It can become a
ments and the company’s vital objectives.
potential HR challenge or a problem if it can get difficult to manage and practice the change management more proactively.
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MBE BUSINESS MAGAZINE FEBRUARY 2022
W W W. M B E F O RYOU. C O M
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MBE BUSINESS MAGAZINE FEBRUARY 2022
75
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.
We are now embarking on the Northern Ontario Ultimate Experience covering: Algonquin Provincial Park | Mattawa | North bay | Temiscaming | Kirkland Lake Timmins | Cochrane and many other destinations in Northern Ontario.
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.