INTRODUCE YOUR RESTAURANT TO THE NEW AUDIENCE WITH M-FOODZ - MBE BUSINESS MAGAZINE

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

AUTO INSURANCE

HOME INSURANCE

Insurance Tiger makes it easy to find the best auto insurance coverage in Ontario.

A quality home insurance coverage will allow you to protect the things you value. At Insurance Tiger, we will help you find the best home insurance coverage in Ontario.

Our insurance brokers will do the comparison shopping for you to find the best coverage and right amount of protection.

Multi-Policy Discounts Uber Insurance Student Discounts Family Member Discounts Telematic Discounts Low Commute / Mileage Discounts New Business Discounts Claims-Free Discounts Hybrid Vehicle Discounts

DUE OT L N WA ICY POL R RENE , FO YET?your namete to da us

y l mai d expir tiger.ca se e e n Plea t info a suranc in tac con newal@ e myr

COMMERCIAL INSURANCE Protect your business! Grow your business!

Over the years, Insurance Tiger has grown and prospered by paying attention to our clients. We have a strong commitment to giving personal service and providing competitive Commercial and Business Insurance products.

Fast turn around quotes on: Overland Water Coverage High Value Homes Single Limit of Insurance Coverage Cash Settlement Property Policies Umbrella Policies Multiple Rental Properties Multiple Family Homes

Take advantage of these discounts: Multi-Policy Discount Non-Smoker Claims-Free Mortgage-Free

LIFE / TRAVEL INSURANCE Medical travel insurance is a must have when travelling outside your home province. Even a weekend shopping trip across the border or travelling across the world to meet family or a leisure trip could end up being a nightmare without the proper Medical Travel insurance.

Protect your family for less than $1.00 a day

Do you have proper coverage for your business?

Term Life

Commercial Auto General Liability Commercial Property Places of Worship Equipment Breakdown Professional Liability Business Interruption Products Liability Retail Hospitality Services Cyber Liability Contractor's Package Builder's Risk

Whole Life Disability Insurance Critical Illness Insurance Supervisa Insurnace Travel Insurance Visitor Insurance Health Insurance Solutions

416-293-9495 • www.insurancetiger.ca Insurance Tiger owned and operated by Multirisk Insurance Brokers Inc.

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.

05

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.

06

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.

08

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

EXPERT ADVICE, DISTINCT SKILLS & RICH EXPERIENCE

PERSONAL TAX RETURN AS LOW AS

$20

CORPORATE TAX RETURN AS LOW AS

$150

OUR SERVICES

accounting.mbeforyou.com 104-100 Dynamic Drive, Toronto, ON M1V 5C4

­

info@mbaccounting.ca 1-866-667-1377 1-866-204-6888

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.”

12

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)

14

MBE BUSINESS MAGAZINE FEBRUARY 2022

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

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.

16

MBE BUSINESS MAGAZINE FEBRUARY 2022

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

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

18

MBE BUSINESS MAGAZINE FEBRUARY 2022

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

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.

20

MBE BUSINESS MAGAZINE FEBRUARY 2022

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

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

22

MBE BUSINESS MAGAZINE FEBRUARY 2022

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

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

24

MBE BUSINESS MAGAZINE FEBRUARY 2022

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

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

26

MBE BUSINESS MAGAZINE FEBRUARY 2022

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

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

27

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

28

MBE BUSINESS MAGAZINE FEBRUARY 2022

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

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.

29

MBE BUSINESS MAGAZINE FEBRUARY 2022

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

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

30

MBE BUSINESS MAGAZINE FEBRUARY 2022

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

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

Earnings Mobile ATMs Earn Extra

PARTIAL PLACEMENT: With this program, you just need to keep the ATM machine supplied with cash.

Any money that customers withdraw is automatically redeposited into your

GENERATE EXTRA INCOME FLOW

ADD A FREE ATM! INCREASE FOOT

TRAFFIC Address: 104-100 Dynamic Drive, Toronto, ON M1V 5C4 Email: atm@mbeforyou.com

Ph: 1-866-667-1377 Fax: 1-866-204-6888 Web: atm.mbeforyou.com

bank account every 24 hours.

FULL PLACEMENT: With this program, we take care of everything for you including cash management. You never have to worry about anything related to the ATM.

ISO PROGRAM: If you are an Independent Sales Organization, we can offer fully serviced ATMs for your client-base with a commission sharing agreement.

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

34

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

36

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

MBE

inc.

A great offer especially for those who are looking for a business website.

Enjoy the lucrative offer today & have a website for your own business.

Call Mbe Digital Asap!

TEL: 1-866-667-1377 | EMAIL: digitalmedia@mbeforyou.com WEB: digitalmedia@mbeforyou.com

A handsome

25% Discount

on creating a New Website with One Time Full charge.

To avail this offer, please visit the website digital.mbeforyou.com and fill our contact us form.

Promo code: WEB21

#YOU CAN’T MISS IT!

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.

40

MBE BUSINESS MAGAZINE FEBRUARY 2022

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

Retail Merchant Association /MBBP Members

Save 3.5 cents per litre* with the Esso Business Card Program

Advantages

Whether you have a small sales force or a large fleet of service vehicles, the Esso Business Card Program gives you exceptional fuel savings, powerful and easy-to-use fuel management tools and broad acceptance at more than 1,800 Esso stations in Canada.

Drive more money to your bottom line with volume discounts Easily pay bills, manage cards and track expenses with our time-saving online tools Reduce or eliminate unwanted driver spending with purchase restrictions Reward your employees and yourself with the Esso Extra™ and Aeroplan® programs**

For more information or to enroll, please contact: Phone: 1-800-835-4601 Fax: 800-831-4019 Email: essosales@fleetlink.com Web: essobusinesscards.ca/RMA *New accounts only. Valid at participating Esso locations. Rebates earned will be credited directly to your account(s). Eligible only for members of **Esso and EssoExtra are registered trade-marks of Imperial Oil Limited. Imperial Oil, licensee. Speedpass is a registered trademark of Exxon Mobil Corporation, or one of its subsidiaries. Aeroplan is a registered trademark of Aimia Canada Inc. Offer valid at participating Esso stations. Speedpass key tags received in Canada are only valid in Canada. The Esso Business Card program is administered by WEX Inc.

ESS 20160620

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

42

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.

44

MBE BUSINESS MAGAZINE FEBRUARY 2022

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

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

(HONS), B.L, LL.M, OLUBUNMI LL.B BARRISTER, SOLICTOR & NOTARY NPUBLIC OGUNNIYI

FisNhD A Chips Tel: (905) 655-5544 Address: 67 Baldwin St. N Brooklin, ON L1M 1A3 Website: www.stanleysfishandchips.com

46

MBE BUSINESS MAGAZINE FEBRUARY 2022

LIVE | STUDY | WORK OUR SERVICES:

Foreclosures, Purchase & Sale, Civil Litigation

Or Have You Have You Missed a letter a Mortgage Payment? Received from Your Bank?

Wills Affidavits Family Law Barrister & Solicitor, 2680 Matheson Boulevard East, Suite 102, Mississauga, ON. L4W 0A5

Corporate Immigration Real Estate

We Stand Up for the Home Owner!

Commercial Civil Litigation Power of Attorney

1-877-201-3476

olu@ogunniyilawoffices.com

1-877-201-3476

www.ogunniyilawoffices.com

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

INTEGRATED

TALECH

Works with Elavon’s processing services.

Dedicated talech© support team is available 24/7 to help.

Protect your business with data encryption.

Accept payments from chip (EMV) cards.

Accept payments from mobile wallets, including Apple Pay. Create product variations and define multiple prices/quantities.

talech© Point of Sale Solution Designed for today’s small businesses, talech tablet based solution is easy-to-use and will help you manage your inventory, track sales and grow your business.

SMART TERMINAL

POYNT

Turnkey Solution Features a mobile and countertop credit card terminal, printer, signature pad, PIN pad and docking station.

Wireless freedom WiFi capabilities enables you to take the checkout (and tipping) to your customer, inside or outside your business.

Accept major payment types Process all payment types - contactless EMV cards, Interac and mobile payments such as Apple Pay®* (NFC) and many more...

Smart Terminal Solutions Function meets form in a new breed of wireless terminal that delivers an exceptional guest experience.

Poynt is an all-in-one smart device that looks great and gives both you and your guests a great view of every transaction.

MOBILE & ECOMMERCE Grow online sales across multiple channels worldwide.

Widest variety of payment options available.

Fit your needs and easily expand your global reach.

Learn more about visitors of your online store.

Help add value to your business.

Ensure faster, uninterrupted online payment service.

Mobile & E-Commerce Solutions E-Commerce is revolutionizing the market and giving businesses the opportunity to open up their doors to a global base of clients instead of operating only locally.

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

E-Commerce

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

48

MBE BUSINESS MAGAZINE FEBRUARY 2022

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

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

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

MBE BUSINESS MAGAZINE FEBRUARY 2022

49

TOPBENEFITS

RMA/MBBP CANADA WWW.RMACANADA.COM

Payment Processing Services Credit & Debit Cards

01.

ATM Deals and Offers

02.

Esso (Imperial Oil)

03.

Voortman Bakery

04.

Energy Savings

05.

Grocery Coupon Redemption Service

06.

Pay stubs, cheques and office supplies.

50% discount on first purchase

50

Deluxe Nebs

07.

Accounting Services

08.

Drug Plan

09.

Home, Auto, Health, Dental and Life Insurance

10.

e-Shipper

11.

Cineplex Discount

12.

Northern Financial Group

13.

MBE Business Magazine

14.

Real Estate

15.

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

23.

Credit Counseling

24.

RMA and MBBP Revenue Sharing

25.

MBE Software Solution

26.

Weston Bakeries

27.

South Cove Foods LP.

28.

Canadian Corporate Legal Services

29.

Legal Services

30.

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.

52

MBE BUSINESS MAGAZINE FEBRUARY 2022

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

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

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

MBE BUSINESS MAGAZINE FEBRUARY 2022

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

54

MBE BUSINESS MAGAZINE FEBRUARY 2022

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

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

MBE BUSINESS MAGAZINE FEBRUARY 2022

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

56

MBE BUSINESS MAGAZINE FEBRUARY 2022

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

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

A NEW WAY OF APPROACHING THE ATM INDUSTRY AND PROCESSING ATMS ACROSS

CANADA

DOLLARS

01 Billion

processed yearly and 2000 ATMs operating under our switch.

100 Dynamic Drive Toronto, ON MIV 5C4 info@cashwave.live

cashwave.live

YOUR FIRST CHOICE FOR PAYMENT PROCESSING On the site

Poynt

as low as $45 rent per month everything included

Y PROFILE

Mobile checkout

Virtual Account Swiper

$150 account activation Swiper purchase as low as $50 or rent $15/month.

Mobile Pay Plus

Purchase for as low as $299 or Rent as low as $20

In Store:

Tetra Move 5000

as low as $35 rent per month with 3G, Wifi and Touch Screen

Tetra Desk 5000

as low as $25 rent per month with Color and Touch Screen

Address: 104-100 Dynamic Drive, Toronto,ON M1V 5C4 Call: 1-866-667-1377 Email: pos@mbeforyou.com Web: pos.mbeforyou.com Fax: 1-866-204-6888

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

60

MBE BUSINESS MAGAZINE FEBRUARY 2022

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

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,

62

MBE BUSINESS MAGAZINE FEBRUARY 2022

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

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

TERREQUITY REAL ESTATE SERVICES BROKERAGE INDEPENDENTLY OWNED & OPERATED

Helping you is what we do.

Opportunities

MAHMOOD NAQVI BROKER

SYED HASSAN BROKER

SALEEM AKTHAR

SALES REPRESENTATIVE

GULZAR KHAN

SALES REPRESENTATIVE

SYED BAQAR KAZEMI

SALES REPRESENTATIVE

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

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’.

66

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

POINTS

ATM

MORTGAGE & BUSINESS

Cashwave

is a 100% secure web-based monitoring and administration solution for ATM management which allows ISO’s and merchants to keep track of real-time status of the cash in ATMs, receive alert notifications, manage terminals and accounts,access settlement details and view detailed reports.

FREE PTR

LOAN

FREE

100

250

POINTS

CONSULTATION + UPTO 2000 POINTS

POINTS

RENOVATION & BUILDING

INSURANCE

FREE CONSULTATION

2000

200

POINTS

CREDIT COUNSELLING

POINTS

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

BACK OFFICE MAIL & PHONE

IWL255 3G Wireless

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

IN-STORE

MOBILE

IWL220 Bluetooth $30 Rental per month

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

PAX S80 Terminal $19.99 Rental/month, Debit 0.05 cents Visa/Master 1.59%, N-Qualified 0.30%

ICT250 Terminal

$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.

RMA & MBBP Revenue Sharing

Special Discount 3.5 Cent Per Ltr

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

Save thousands of dollars on your day-to-day merchant Payment processing of Credit & Debit Cards.

Fully compliant, reliable service and exceptional savings for

RMA & MBBP Members

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

CINEPLEX SAVING FROM $4.00 TO $14.00

SAVE $4.00

ON EACH TICKET

AND NEVER PAY FULL PRICE AGAIN FOR ALL YOUR MOVIE NEEDS

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

70

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

72

MBE BUSINESS MAGAZINE FEBRUARY 2022

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

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.

74

MBE BUSINESS MAGAZINE FEBRUARY 2022

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

Deep Tailors - Muktsar Wale RAMAN HAIR SALON

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

RAMAN KUMAR

Kids Suit Stitching 437-288-4225 ramankumar2024@gmail.com

69 Songwood Dr North York, ON M9M 1X4, Canada.

45 Yrs Experience We do all kind of Stitching & Alteration. kurta pajama's as well

OOD CERT LF IF LA

D IE

L L I R G T A GUJR

HA

We are stitching famous MUKTSARI

HALAL FOOD

IFIED 100% CERT

e

dian Cuisin

& In Pakistani

3110 Kingston Rd Unit-2, Scarborough Toronto ON M1M 1P2 +1 (647) 705-6463 +1(416) 901-6786 gujratgrillgta www.gujratgrillgta.com

Fawwad Mehdi Head Chef

NĀRAT

The Leaders in worldwide experience based travel

Address: 55 West winds Crescent NE Unit# 236, Calgary, AB T3J 5H2, Canada”.

Ph : 587-435-6630

THE ORIGINAL SOFT CLOTH WASH

.....satisfy your knowledge through wonder

24/7 Propane Station For Refill Of BBQ Cylinder , Car And Truck

Address: 2141 Dundas St. E Mississauga, ON L4X 1M3 Phone: 905-625-1982 Website: www.cleanmaxcarwash.net CAR & VAN WASH LTD.

Full Service Exterior/Interior

Call Now (29-62728) (416) 850-6819 1-877-BY-NARAT GREAT OFFER WAITING FOR YOU

Address: 250 Consumers Road, Suite 719, Toronto, ON. M2J 4V6.

Email: inquiries@narat.org | Web: www.narat.org

Call us and experience the World of NARAT!

+ tax

+ tax

+ tax

+ tax

Halal Pakistani and Indian Take-out cuisine & Catering

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

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

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.