CASHWAVE: CANADA'S FASTEST GROWING ATM PROCESSOR - MBE BUSINESS MAGAZINE by MBE BUSINESS MAGAZINE

ISSUE 75 | MARCH 2022

CANADA’S FASTEST GROWING ATM PROCESSOR

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.

Canadian of current times

Challenges that entrepreneurs face

M-Rides & M-Foodz success

Funding helps in the promotion of EV’s

Vital importance of accounting

How can total quality management

Time & Tide wait for no man - the

significance attached to time management

‘Being an entrepreneur is the most rewarding career Imaginable’

The plot thickens for Rogers!

How to qualify a REALTOR

Uber Canada,

How Will 2022 Be A Good Year

What on Earth is going on?

Event calendar

CONTENTS owes a huge deal to good planning...

professionals to perform accounting work

If for some unknown reason, you thought...

That will be an inspiration for you

When stepping into the business world

uptake in the province B.C.

make your business more successful?

for your next property transaction?

For the environment in Canada?

Union Reach Deal

A Conversation: Part Five

March 2022

Most Popular Places For Canada’s International Students In-take

Business Insurance & Making It Easier For Small Businesses

MOTIVATING EMPLOYEES IN NEW YEAR FOR BETTER WORKING STANDARDS

EDITOR'S LETTER Dear Readers, March is here with 75th edition of MBE Business Magazine. March Break in Canada is everyone’s favourite time for a little rest and relaxation. It’s the first big holiday after the New Year, and our March Break week is an opportunity to plan a big escape before the summer months. With travel restrictions still in place, this is a chance to explore our own backyard and support fellow Canadians. In this issue, what on Earth is going on? A Conversation by Mr. David R. Mackereth. M-Rides & M-Foodz success owes a huge deal to good planning & execution article by Mr. Mansoor Naqvi. Vital importance of accounting professionals to perform accounting work article by Mr. Mahmood. Time & tide wait for no man - the significance attached to time management article is shared by Mr. Alamdar Hussain. You will find this issue more interesting and informative as before. As our team have worked tirelessly to bring this issue on digital and social media. We have launched our magazine website. So it will reach to maximum people via electronic media. Your feedback is highly valuable to us, if you have suggestions or comments feel free to call us at 1-866-667-1377 or email us at info@mbeforyou.com to tell us what you think about this issue. For ad placements and marketing related queries, please email us at digitalmedia@mbeforyou.com Thank you, Aurora Zabala, Editor In Chief.

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

M-RIDES & M-FOODZ SUCCESS OWES A HUGE DEAL TO GOOD PLANNING & SYED MANSOOR NAQVI PRESIDENT MBE EXECUTION We are proud that MBE Group of companies have a vision

operate in parallel that what we decide we must execute.

achieved regards to planning for M-Rides and M-Foodz. The

However, the decision making process should be highly

launch of the two services both in Canada and in Pakistan is

thoughtful and integrated with key and dynamic behaviors of

largely credited to good planning & timely executions in both

success. Behaviors counts more importantly as professional-

countries. Although, we had many hindrances while making

ism is a highly important aspect to achieve a certain threshold

the plan practical and transferring it in the executions phase.

or benchmark well before it’s time.

The best thing is the way we always encountered the hindrances, worked as a Team and finally made things simple

More importantly, with the decision making there are many

in terms of executions.

things that needs to be kept on board before making something final on paper. These includes step-wise execu-

Both the services, i.e. M-Rides and M-Foodz are making

tions, i.e. proper project planning, integrating success with

good in-roads into the Canadian markets while they have

culture and building a strategy that keeps a good room for

already been a symbol of success abroad. We have been

time management. Timing of key aspects and minute details

optimistic as a company that if we can maintain this pace of

needs to be calculated before bringing into play an execution

success, we shall definitely be in the list of top service

strategy. Thus, what we must realize with the success of

providers for ride-sharing and food business. Our team is

M-Rides and M-Foodz is how well we have been able to

highly dedicated towards better executions than good

execute the plan that we have made initially. Even though,

planning in the first bit that is indeed an integral thing which

there have been possible constraints in our pathway.

precedes the executions of services. There are no question issues as we have always been well ahead of time in terms of

WE NEED KEY RESOURCES ALIGNED FOR OUR FUTURE STRATEGIES:

our step-wise execution phase. Yet another key thing

In the execution phase life is not that easy than it seems it is.

achieved and the credit again goes to our team of dedicated

We need all the key resources to be aligned regards to our

people working day and night.

future strategies so that our implementation doesn’t get

marks regards to the integrity factor and time management

destroyed and affected. Yes, we are talking about human

IF WE DECIDE SOMETHING, WE NEED PROPER EXECUTION:

resources as well as all the key machinery that is needed for

Just like having a father-son relationship, there holds a good

successful integration of our business practices.

relationship of The MBE Group with M-Rides and M-Foodz as child. However, still, if we decide something we need to

Apart from this, it’s important to manage and utilize the

execute it with proper implementation and targeting along

resources as a resource is a key asset for a business plan or

with time management aspects. It’s indeed a lesson for

a business execution.

tomorrow and for many other businesses that we need to

MBE BUSINESS MAGAZINE MARCH 2022

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

EXECUTION OF FUTURE PLANS – MBE GROUP & M-RIDES:

track and in the end the track matters for all the key stakehold-

\Working together under the banner of The MBE Group, i.e.

ers. M-Rides and M-Foodz future strategies are highly aligned

M-Foodz & M-Rides is highly integrated together for success

with MBE and how well the teams in Canada & overseas

of future execution plans. However, a time-frame in mind i.e.

comprehend with the pressure situations.

next 5 years or 10 years should always be there on paper rather being in the mind. Every company starts with a dream

Definitely, the future is nothing but a shade of today & the

and how well they can work for future growth strategies.

past. Obviously, means we have to maintain our standards in

Since, it’s not hard to reach a certain threshold after two

terms of planning, budgeting, investing, & finally the

years of constant working. Similarly, it’s a fact that the MBE

implementation or the execution phase. A sound future

Group has been in the past successful to integrate and gel

definitely holds for both M-Rides and M-Foodz, if we can

their different businesses together. Just like that, we need to

maintain our business operations and execute what we plan.

make a future strategy for M-Rides and M-Foodz which has already showed signs of being prominent names in the Canadian markets. The key is doing simple things with perfection and making success a habit.

HOW TO MAKE SUCCESS A HABIT FOR A SOUND FUTURE? If your company is making success a habit, just like ‘Time management’ is a good practice. Fortunately, it’s on the right

MBE BUSINESS MAGAZINE MARCH 2022

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

Vital importance of accounting professionals to perform accounting work

SYED MAHMOOD NAQVI Vice President | MB Enterprises

While we realize that accounting is a

statements, Balance Sheets and

accounting errors. What’s more

professional field, at the same time it

finally budgeting for better & most

important is that accountants perform

is ironic that professional accounting

needed financial control.

actions and tasks that they are

professionals must perform account-

authorized to perform or more certified

ing related work. It’s indeed a necessi-

The professionals in the accountancy

ty, if you are working for yourself or a

field is not only a tough ask, but also a

CEO of your company who is highly

tough nut to crack. We can use ample

responsible. He/she must have all the

evidences from past that shows that

idea for professional accounting tasks

non-professional and Part-time

ROLE OF ACCOUNTANTS IN DEVELOPING A BUSINESS/FINANCIAL STRATEGY:

that includes book-keeping, making

accountants are bound to fail while

Developing a fruitful business strategy

cash flows and Income & Expenditure

they have a tendency to perform

is always a key aspect for an account-

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

as professionals.

MBE BUSINESS MAGAZINE MARCH 2022

ant as they are insightful and have a

terms of audit services, management

ment, filling tax, i.e. PTR and CTR and

better understanding of the business

consulting, financial advisory, risk

other financial decision making

resources. This is through their

advisory, taxation and other legal

through financial statements.

knowledge and experiences as they

services.

are well equipped to deal with difficult

The company realizes the importance

RELIANCE OF PROFESSIONAL FIRMS ON PROFESSIONAL ACCOUNTING SERVICES:

of providing professional accounting

expansion plan can stress the current

The ‘Reliance’ is a vital element when

professionals, i.e. CA’s and CPA’s

capital as well as the existing resourc-

industries are growing for the sole

MBE Accounting is a choice of many

es. They don’t know anything about

purpose of profitability along with their

businesses. Especially, those firms

marketing requirements or needs of

CSR engineered together. Yes, we are

that are looking for financial stability

marketing for a growing company,

talking about companies in the travel

and sustainability in the initial stages

however, still they can evaluate

industry sector, trucking industry in

of their startups.

cost-wise what’s a better plan, either a

Canada, dentistry & other medical

marketing plan or a business plan.

services and hospitality management.

ASSURING & ENSURING COMPLIANCE:

Professional accountants are highly

Trucking industry is a growing industry

It’s the role and part of the responsibili-

trained to give feasibility reports

in Canada which is growing and

ties of the accountants to prepare

regards to a projected investment and

moving forward at a far more profes-

timely data so that the company stays

whether one should move forward with

sional pace due to the requirements

in an agreement. Ironically, the

the investments. They can easily

and demands of the industry. Another

agreement that is with both the

identify when an investment shall

growing industry in Canada is

regulatory compliance as well as

payback through calculations for

dentistry which is a field in demand in

internal compliance. A key part of the

Payback Period and Net Present

all parts of the world along with its

regulatory compliances are the tax

Value, as well as IRR, i.e. Internal

vital significance in Canada. Hence,

implications, a vital reason why a

Rate of Return and DCF, i.e. Discount-

the vital importance of professional

professional accountant or a profes-

ed Cash Flows. Obviously, you can

accountancy services and profession-

sional accounting firm is a high-level

rely on a professional accountant

al and certified accountants cannot be

need.

more strongly as they can easily

denied. Nobody who is a professional

determine through calculations

in the field of transport and supply

aspects regards to business decision

chain, wants to indulge and get

making. Accountants through the use

involved in the review engagement

of accounting ratios and financial

and tax filing services.

situations. As an example, we can say that accountants have the ability to give clarity as a new marketing or an

services to clients in Canada and globally. Working with team of

statements can easily predict, analyze

company’s financial stability while

MBE ACCOUNTING – ‘PROVIDING IMPROVED & PROFESSIONAL ACCOUNTING SERVICES’:

dealing with their financial situations.

MBE Accounting provides much

and encounter all financial problems & provide solutions in terms of a

improved and highly professional The bigger companies, i.e. MNC’s or

accounting services. These are

Multinational Groups always prefer

professional accounting services that

taking services of professional

are provided at par with global

accounting firms for e.g. KPMG,

accounting firms at much lower cost

Deloitte, PWC and EY. All these are

and same in the capacity and

MNC companies and enjoy a huge

treatment of the services. MBE

international market presence apart

Accounting is especially suited for the

from being professional accounting

needs of SME’s i.e. Small and

services providing firm. These are

Medium sized businesses that are

companies that can give a growing or

looking for professional accounting

a grown-up business a true picture in

services in terms of review engage-

MBE BUSINESS MAGAZINE MARCH 2022

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

Time & tide wait for no man the significance attached to time management SYED ALAMDAR HUSSAIN Country Head - MB Enterprises

being five minutes late. The pressure

popular saying that signifies the key

A KEY FOR BUSINESS DEVELOPMENT:

values attached with the ‘Time Factor’.

The values attached with time are a

will play a huge role in developing the

It is a huge bonus, especially in the

key for future business development

initial rapport with your client.

corporate sector for a higher level of

strategies. If you are a BDM, i.e. a

professionalism & bringing attitude at

Business Development Manager

work. Your image is the most impor-

arriving to a meeting at your prospec-

AN EARLY BIRD IS ALWAYS SIGNING THE RIGHT TUNES:

tant thing that works forward in

tive clients. You mustn’t forget that

Being an early bird will definitely give

parallel with your goals. Furthermore,

your first impression is your last

you the right tunes you need while you

it enhances and highlights your vision

impression. It shouldn’t be your style

comprehend with the daily work

on your pathway to success. The time

to meet your prospective clients half

pressures. Apart from the pressures

factor plays that role very comprehen-

an hour late and make an impression

the work routines that are a necessity

sively & is an indicator that you are a

that is highly not wanted in the

for your future professionalism. If you

true professional in your field.

corporate world. On the contrary try

are in a key role, being an early bird

and make an impact with your first

will surely demonstrate that you are a

meeting & be ten minutes early, than

responsible player who is more eager

‘Time and Tide wait for no man’, a

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

of your professional ethics & attitude

MBE BUSINESS MAGAZINE MARCH 2022

for your goals. It will definitely reduce your stress at the

what can be even worse if you lose your reputation or a big

workplace and more importantly increase your motivation

project due to lacking time management.

levels to find success at work. The targets and the urgency to meet the deadlines will be your key focus once you are

MAKES YOUR GOALS & YOUR VISION MORE TRANSPARENT:

arriving on time.

Managing time for future results makes your goals and your vision more transparent & crystal clear in your own eyes. As a

CREATING AN EXAMPLE AT THE WORKPLACE:

corporate worker it helps in the transformation process that is

How can you create an example at the workplace should be

vital for your progress. At the same time, it changes your

your number one priority as a key role player. The simple

behaviors regards to your work priorities and daily agendas.

answer is through the first thing, i.e. through time management. It not only gives you the bonus points you need for your

As part of the vital change management activities in your

career growth, but also creates an example for your juniors

organization, time management enhances your vision for a

and your team, if you are a Team Leader.

disciplined work culture. It signifies how your corporate culture is so linked up with the key attribute of ‘Time’. Yet

It’s not only a good habit, but signifies the importance of your

another aspect as part of change management program is

career goals in front of you and your peers. Career manage-

how it defines a corporate strategy that revolves around time

ment is something that defines a person’s ability to run for his

management. Hence, helps indeed in setting a work culture

career goals. Hence, being consistent with the time factor

where ‘Time & Tide Wait For no man’.

signifies your career achievements much more comprehensively in front of others.

THE TIME VALUE OF MONEY: The TVOM, or ‘Time Value of Money’ is an accounting

REPUTATION IS A GOOD THING TO DEVELOP FOR A SAFE FUTURE:

concept that relates to the value of money w.r.t. the critical

Business is all about reputation and your relationships with

can change, i.e. the value of money today shall be different

your clients. At the same time on an individual basis, do

than what it will be after two years. Hence, as far as business

develop a reputation with time management always makes

is concerned, the concept is highly governing in terms of the

you safe for your career’s future.

profitability levels. Ironically, as it signifies the importance of

factor of time. It has a lot to do with how the value of money

money according to the current time. While we ascertain that ‘Time & Tide wait for no man’, the importance of reputation is always integral, especially if your

From the wealth management aspects, the concept of TVOM

business is customer-centric. As a paying customer, everyone

is a huge priority, especially for making the right investments

likes to see the reputation regards to the time management

at the right time.

aspects. You might lose a customer, or maybe even two, but

MBE BUSINESS MAGAZINE MARCH 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

OUR SERVICES

CORPORATE TAX RETURN AS LOW AS

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

1-866-667-1377 1-866-204-6888

$150

accounting.mbeforyou.com info@mbaccounting.ca

The Plot Thickens For Rogers! NAVNEET ALANG If for some unknown reason, you

telecommunication giants don’t just

or game and then keeping it on was

thought 2022 was going to be less

follow the boardroom drama with

the most natural thing in the world.

weird than 2021, Scottish actor Brian

“Succession”; they also share the

Now, that familiar presence is not

Cox quickly changed that notion.

show’s simmering attention to how

only disappearing faster than anyone

new technology has upended the

thought, but will soon seem as

familiar contours of the TV business.

antiquated as landline phones or

Last month, the star of HBO’s brilliant “Succession” recorded a profanity

cheap point and shoot cameras.

laced message congratulating

Consider a recent forecast from

Edward Rogers on the appointment

eMarketer suggested that less than

But in that surprising shift, there is

of a new CEO at the Canadian

half of all Canadian households will

also a lesson for how tech works –

Company that bears his family name.

subscribe to paid TV services this

first creeping in at the margins then

year. That is a stunning turnaround. In

suddenly becoming mainstream. It

Rogers Communications has been

2015, three quarters of Canadians

also means how and what Canadi-

going through its own version of the

subscribed to pay TV and 10-20

an’s watch may also change drastical-

HBO hit as family members publicly

years ago, not having cable or

ly.

and embarrassingly wrangle for

satellite was unusual.

power. With endless jokes online that

The reason for the change should be

the company was mirroring “Succes-

It is not often that a core component

obvious. The rise of “cord cutting” and

sion,” Cox’s message was fitting and

of day-to-day life changes so quickly

switch to streaming services like

a fittingly strange ending to one of the

and profoundly. For me personally, it

Netflix and Crave in addition to a

strangest episodes in Canadian

would only be a slight exaggeration to

broader shift to online, on-demand

business history.

say that I was raised by cable TV. For

services have dramatically altered

people in my generation and earlier,

Canadian viewing habits.

But Rogers and other Canadian

MBE BUSINESS MAGAZINE MARCH 2022

flipping on the TV to watch the news W W W. M B E F O RYOU. C O M

The appeal of those platforms is obvious. Unlike regular TV,

Streaming unbundles TV such that there are distinct services

one has the option of watching whenever one wants.

for reality TV, science and history shows and of course the now mainstream phenomena of Netflix and Crave.

While of course PVR’s and other options have expanded how people watch, there is a clear advantage to having all

But it’s worth keeping in mind is that there isn’t only a shift

episodes of a show appear on Netflix versus waiting each

from big budget TV shows watched through cable, to those

week for the next episode of “This is Us’ or “Grey’s Anatomy.”

watched on streaming.

There is also the issue of cost. While streaming prices have

To the contrary, over three quarters of Canadians accessed

increased – just Netflix and Crave together will now run you

YouTube in 2020. That number would have only gone up.

just over $40.00 a month – it is still possible to have more

There, rather than traditional TV, people are watching all

than enough to watch for less than the average cable bill of

manner of things, from first person confessional videos to

$50 a month.

news recaps to humour skits. Similarly, TikTok has exploded in popularity among the young, with Media Technology

For a while, the big sticking point was live TV – events like

Monitor reporting that 44% of Canadian youth are on the

the Oscars, regular news, and sports were missing and thus

video sharing site.

a reason most kept their bloated pay TV services around. What that suggests is that the stunning decline of cable TV But even that is now changing. The CBC now offers live

isn’t just a change in venue; in the long term, it also

access to news for a modest fee. Major sports leagues and

represents a change in what we consider to be media.

organizations have their own streaming services available to Canadians, while TSN and other channels now have their

Whereas now, narrative based high budget shows still take

own over the top streaming platforms.

up the lions share of both money and oxygen, whether that will remain true a generation from now remains quite unclear.

In short, it is easier than ever to cut the cord. And while now, a quick cameo by an HBO star commenting This is the way disruption should work. For many years, pay

on Canadian media drama seems strange, a future in which

TV in Canada was subject to the bundling inherent to

TikTok and YouTube overshadow traditional TV could be far

traditional media companies in which, if you wanted the Food

stranger – yet entirely plausible.

Network, you also had to add on another 20 channels.

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

MBE BUSINESS MAGAZINE MARCH 2022

UBER CANADA, UNION REACH DEAL NAVNEET ALANG Firm to provide drivers with

are facing account deactivations and

contractors because they can choose

dispute representation

other disputes with Uber.

when, where and how often they

Uber Technologies Inc. has signed an

Workers will not be charged for the

work, but in exchange, they have no

agreement with a private sector union

representation services, which will be

job security, vacation pay or other

that will provide representation to

jointly covered by Uber and UFCW

benefits.

Canadian drivers and couriers, but

Canada.

does not unionize workers.

The move to offer Uber workers more “We’ve come together to find

support in Canada comes as the tech

The San Francisco based tech giant,

common ground and blaze a new trail

giant is facing increasing global

said last month that it is partnering

towards a better future for app-based

pressure to recognize couriers and

with United Food and Commercial

workers,” Andrew Macdonald, Uber’s

drivers as employees and to at least

Workers Canada, a union represent-

senior vice president of global rides

better compensate and give them

ing at least 250,000 workers at

and platform, said in a release.

more rights.

companies including Maple Leaf

“Through this agreement, we’re

Foods Inc, Loblaw Companies Ltd.

prioritizing what drivers and delivery

Lawyer Samara Belitzky, has been

and Molson Coors Beverage Co.

people tell us they want: enhancing

representing Uber Eats courier David

their flexibility to work if, when, and

Heller in a class action lawsuit

The partnership will give UFCW

where they want with a stronger voice

arguing those working for Uber

Canada the ability to provide

and new benefits and protections.”

should be entitled to minimum wage,

representation to about 100,000

vacation pay and other protections

Canadian drivers and couriers, if

Uber drivers and couriers are

because they meet the definition of

requested by the workers, when they

considered to be independent

employees under Ontario’s Employ-

MBE BUSINESS MAGAZINE MARCH 2022

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

ment Standards Act. Belitzky doesn’t think the agreement

out of work, if they refuse customer demands to ignore traffic

announced last month will impact workers much.

rules or city bylaws.

“On paper, it looks like it may be giving some very limited

The union has also raised concerns about what little

additional rights or benefits to the drivers, but practically

recourse Uber drivers and couriers have when they face

speaking, it doesn’t give then very much,” she said.

harassment and abuse on the job because they are not eligible for workers compensation, vacation pay, overtime or

The agreement also raises conflict of interest concerns

pension protection.

because Uber will be paying for the representation going up against their own company. “If I was a driver for Uber, I’d be a

As part of UFCW Canada’s agreement with Uber, both

bit worried about where their interests may lie, “she said.

groups say they will work to encourage provinces to mandate policies providing gig workers with new benefits and other

Belitzky also noted that UFCW previously criticized Uber for

rights.

several issues it outlined on its website, but has since replaced that content with details of the agreement.

“This is just a starting point for the many issues we need to

This may be Uber’s way of trying to quell the concerns of the

address. Uber Canada and UFCW Canada will jointly

union.

advocate for industry wide legislative standards like minimum wage guarantees, a benefits fund, a path to organizing, and

UFCW Canada’s page previously said drivers often spent

other rights for workers in the app based sector.” said Paul

more than 100 hours logged onto the Uber app and awaiting

Meinema, UFCW Canada’s national president.

work each week, leaving them paid well below minimum wage for the hours they spend providing rides.

Uber spent much of last year pitching Canadians on a model it calls Flexible Work Plus. The model asks provinces and

It has also complained that Uber drivers are subject to

territories to force Uber and other app based companies to

deactivation if their ratings drop below a certain threshold.

create a self-directed benefit fund to disperse to workers for

UFCW Canada has said that this practice can force a driver

prescriptions, dental and vision care, RRSPs or tuition.

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

MBE BUSINESS MAGAZINE MARCH 2022

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.

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

DAVID RALPH MACKERETH dmackereth@canimac.com

Dave: Admittedly, you have done well to uncover E = MC2.

a speed approaching that of light.” (19) “[T]hese two theories

But you must continue examining your “[…] laws which

are known to be inconsistent with each other – they cannot

govern the large-scale behavior of the world and those which

both be correct.” (26) (Moving closer, to share the secret) It is

govern its small-scale behavior [as they] seem to be very

this enormous energy reservoir within a very small, ‘Earth

different.” (22) “Relativity theory cannot explain phenomena

soup bowl-sized’ amount of matter that we Spacelings are

on the scale of an atom or less, while quantum theory cannot

able to consume and control, providing us with the equivalent

explain phenomena with the mass of a star or greater or with

of 19 with 6 zeros Earth years of reliable energy per meal.

MBE BUSINESS MAGAZINE MARCH 2022

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

Albert: (looking for reassurance) We determined “General

Also, “The planet on which your civilization evolved no longer

Relativity is known to be correct to one part in [1 with 14

exists. The stability that produced that civilization has

zeros] whereas [Classical] Newtonian theory is only accurate

vanished; epic changes have begun.” (29)

to one in [1 with 7 zeros].” (22) Albert: There is no hope for change? Dave: (pleased) Our understanding, is you have also realized, “Red dwarfs have potential lifetimes measured in the [1 with

Dave: (patting Albert’s shoulder) Keep working at it. No one

12 zeros] of years, so there is no issue with their longevity.”

knows what you may stumble upon in your very brief life in

(6), and “Quasars are fascinating objects that generate the

the Actual Universe.

energy of a [1 with 15 zeros] Suns in a space no larger than [your] Solar System.” (3)

Albert: (dejected, but curious) By the way, could you provide a clue to Goldbach’s Conjecture?

Albert: (Smiling smugly!) Dave: Maybe during our next official evaluation in about 1,500 Dave: I will leave you something to contemplate: “[T]he age of

or so Earth years - when your next Ice Age should begin,

some globular clusters appears to be greater than the

unless you have damaged your climate beyond repair, then

calculated age of the universe.” (2) Also, “In order to make

who knows when we will be back! And remember, time is

wise choices about the future of life [you] need to go way

“[…] a more personal concept, relative to the observer who

beyond the nationalist viewpoint and look at things from a

measured it.” (26) So see you soon! Well in Universe Time.

global or even a cosmic perspective.” (27)

See you later, in Earth time! (and poof, Dave disappears)

Albert: We have determined that so-called ‘stationery

Albert: (shaking his head in disbelief) I am going to need a lot

Earthlings’ are actually racing through the Universe: Earth is

of tea …

orbiting our Sun at 30 km/sec: the Solar System is orbiting the centre of our Milky Way at 220 km/sec: the Milky Way is travelling towards the centre of the Local Group of galaxies at 600 km/sec: the Local Group is moving towards the centre of the Lanaikea Supercluster (containing 1 with 5 zeros galaxies, including the Milky Way) at 400 km/sec: which has at is center the Great Attractor (an anomaly millions of times more massive than the Milky Way), and all this is traveling towards the center of the Shapley Supercluster. The Shapley Supercluster is the largest gravitationally interacting unit in our nearby universe, thereby pulling it together instead of expanding the Universe. (1) By the way, could you tell us where the Shapely Supercluster is heading and/or how it fits into the actual Universe? Dave: What would be the fun in that! “This, however, is a passing nightmare; in time, earth will become again incapable of supporting life, and peace will return. [Earthlings are] a brief episode in the life of a small planet in a little corner of the universe.” (28) Albert: Are you suggesting, we Earthlings are never going to understand why we are here? Dave: Quite possibly. “Perhaps the destiny of [Earthlings] is to have a short, but fiery, exciting and extravagant life rather than a long, uneventful and vegetative existence. Let other species – the amoebas, for example – which have no spiritual ambitions, inherit an earth bathed in plenty of sunshine.” (8) W W W. M B E F O RYOU. C O M

MBE BUSINESS MAGAZINE MARCH 2022

MARCH

EVENT 2022 CALENDAR 1 MAR

TUESDAY

Isra and Mi'raj Many Muslims in Canada observe Isra and Mi'raj (Al Isra' wal Miraj, Lailat al Mi’raj, or Laylat al Miraj). This event commemorates the Prophet Muhammad’s journey from Mecca to Jerusalem and his ascent into heaven.

1 MAR

TUESDAY

St David's Day Many Canadians of Welsh descent or those with Welsh connections celebrate St David’s Day on March 1 each year. The Welsh flag is often seen during celebrations on the day, as well as daffodils or leeks pinned to clothing.

2 MAR

WEDNESDAY

Ash Wednesday Many Christians in Canada mark Ash Wednesday as the first day of Lent. It is the beginning of the Lenten fast and is the day after Shrove Tuesday.

13 MAR

SUNDAY

Daylight Saving Time starts 13 Mar 2022 - Daylight Saving Time Starts

14 MAR

MONDAY

Commonwealth Day

14 MAR

MONDAY

St. Patrick's Day

MBE BUSINESS MAGAZINE MARCH 2022

When local standard time is about to reach Sunday, 13 March 2022, 02:00:00 clocks are turned forward 1 hour to Sunday, 13 March 2022, 03:00:00 local daylight time instead. Sunrise and sunset will be about 1 hour later on 13 Mar 2022 than the day before. There will be more light in the evening.

Commonwealth Day is annually held on the second Monday of March. it commemorates the Commonwealth of Nations, which is a union of some countries that used to be part of the British Empire. The date was chosen because it did not have any previous historical connotations.

St Patrick's Day is a public holiday in the Canadian province of Newfoundland and Labrador on the nearest Monday to March 17 each year. It remembers St Patrick, a missionary who converted many of Ireland's inhabitants to Christianity in the 5th century. His feast day also celebrates Irish culture.

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

20 MAR

SUNDAY

March Equinox There are two equinoxes every year: one in March and one in

September. In March, the Sun crosses the equator from south to north.

CROSSWORD PUZZLE SOLUTION

MONTH FEBRUARY

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

MBE BUSINESS MAGAZINE MARCH 2022

Business Insurance & Making It Easier For Small Businesses DIGITAL MEDIA MARKETING MB Enterprises Business insurance is a vital need of

which is a demand of the growing

comprehensive policy frameworks.

today’s modern era where businesses

number of small businesses in

Other issues apart from financial

are growing fast especially in Canada.

Canada. Largely due to the saturation

mistakes and blunders includes

It is indeed a huge security for the

in the e-commerce industry and other

property damages, compensation

businesses to establish themselves in

SME’s i.e. Small & Medium sized

claims and other incidents.

a large pool where small fishes are a

enterprises. These are companies that

meal of the big fishes. Business

are there to fashion a policy or a

The following are some types of small

insurance gives a larger level

package of policies to insure your

business insurance;

business sustenance to small

business, medium or small.

they don’t get dissolved before making

One of the best and most common

SMALL BUSINESS LIABILITY INSURANCE COVERAGE:

their mark in the business world. It’s a

ways to protect your small business

The general liability insurance covers

world where companies makes

from financial damages that can arise

common business risks that includes

fortune in a matter of days or either

from professional blunders and

property damages, customer injuries,

they get bankrupt due to lack of

mistakes. Hence, it is business

and advertising injuries. As a matter of

business security. In simple words

insurance that is a vitality of all

fact any business can be sued and

these days business insurance is a

startups in Canada, a country full of

general liability insurance protects

huge requirement of small businesses.

SME’s and struggling businesses. The

your small business from the high

There are companies in the insurance

root of the problem is financial

costs of potential lawsuits. As the

industry that knows well the impor-

security and business insurance can

name suggests a liability insurance

tance of comprehensive coverage

overcome this challenge through

pays the coverage and the damages

businesses while it makes sure that

MBE BUSINESS MAGAZINE MARCH 2022

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

for which the business is found liable. Hence, up to the policy

the province British Columbia caused many deaths especially

limits that includes attorney’s fees apart from other legal

in Vancouver city with temperatures rising to 45 degrees.

defense expenses.

Another recent entry into the business hazard insurance is the British Columbia heat wave that was a cause of surprising-

BUSINESS AUTO INSURANCE:

ly huge amounts of deaths.

A business auto insurance is only for the vehicles that are owned by a business. This can be a single or few vehicles

SIGNIFICANCE ATTACHED TO BUSINESS INSURANCE:

separately or a fleet of vehicles all together. This is a type of

The huge amount of significance attached to business

business insurance that pays any costs to third parties that

insurance is basically because of the potential risks attached

results from bodily injuries or property damage for which the

with startups. Before starting a business and taking a

business is legally liable.

business insurance coverage one must realize that the coverage is there for the unknowns. These are the things that

PROPERTY INSURANCE:

could affect any small businesses while also affecting the

A property insurance is for the insurance of a business

performance levels. Generally, all the insurance policies are

property that is also known as commercial insurance. It

there to guard people and the small businesses against the

compensates a business if the property that the business

unknown and unforeseen calamities.

uses is lost or damaged as a result of common accidents which includes fire or theft. Under the heading of property

Also, before taking a business insurance policy do keep in

insurance also includes personal property such as office

mind that some of the risks and calamities are excluded

furnishings, inventory, raw materials, laptops and desktop

under the business insurance policies. This is despite of the

computers and other items that are important for the

fact that they can turn out to be big financial losses. There-

business.

fore, it’s necessary as a client to evaluate what type of policy you should take, i.e. after making a good analysis of all your

Also includes in the property insurance category are the

risks. As an example, we can say that floods and

losses and damages from natural disasters that includes hail,

earthquakes are not included in the standard property

fire, severe storms, and other catastrophes. These are

insurance policy. Ironically, they are included in business

catastrophes that are also called natural hazards or natural

hazard insurance policy. Apart from these some of the major

disasters and the insurance type is known as business

risks that includes political crisis, war situations, radioactive

hazard insurance. In a country like Canada the importance of

contamination or seizure by a Govt. authority, can’t be

business hazard insurance cannot be denied as extreme cold

insured at all. Prior to buying an insurance policy its best to

weather is a norm in Canada. Especially, in some of the

make a good analysis of your business needs according to

Canadian territories that includes Nunavut where tempera-

the size of the business.

tures can get as low as -35 Degrees. A recent heat wave in

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

MBE BUSINESS MAGAZINE MARCH 2022

CANADIAN OF CURRENT TIMES THAT WILL BE AN INSPIRATION FOR YOU DMM DEPARTMENT MB Enterprises

The number of Canadian entrepre-

at the right clock, i.e. the right time.

1. SHAHRZAD RAFATI:

neurs are growing every day since

What’s true is that Canada is a

Miss Rafati was born in Tehran, Iran

the level of competition in Canada

country where time & tide waits for no

and became a Canadian citizen after

has increased to alarming numbers.

man, and one can’t afford to be a

her immigration to Vancouver from

There are entrepreneurs from the

time waster if he/she has dreams to

the province British Columbia. When

Asian block that includes India,

be a passionate businessman and a

she migrated to Vancouver, she was

Pakistan and Bangladesh and there

highly successful entrepreneur.

a teenager and her aim was very

are also entrepreneurs from the

high with passion to earn money and

Middle East as well as from Iran and

Entrepreneurship includes many

education i.e. academics behind her.

other parts of Asia. It obviously

agendas and many goals, however,

In the year 2005, Rafati founded

shows the passion of people who are

what’s more important is the vision it

Broadband TV, i.e. a Canadian media

moving to Canada in numbers every

holds for the people. These are

and Technology firm which is today

year and some of them are like a star

entrepreneurs who have found

the second largest video property,

on sky. Obviously, how can people

commercial success, along with their

followed only by the giant search

ignore the amount of hard work, the

inspiring stories of hard work

engine Google.

have invested to be where they are

Some of the most wanted entrepre-

The Canadian Entrepreneur who

as an entrepreneur? It’s just the click,

neurs in Canada that people shall

migrated from Iran continue to lead

i.e. right click that happens for them

follow & look for are as follows;

the company while also serving as a

time and the passion that people

MBE BUSINESS MAGAZINE MARCH 2022

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

board member for several other organizations. Just few years

creating her own loose-leaf tea products and selling them.

back, Broadband TV secured a massive $36 million invest-

In current times, i.e. after 16 years Tonia Jahshan is an

ment from RTL group in the year 2013.

inspiration for many young entrepreneur boys and girls. Her passion to move from a less passionate job to a highly

Miss Rafati style of leadership is a highly acknowledged one

worthwhile and passionate business is truly very inspiring in

and is followed by many people globally. She is one of the

a country like Canada. She also holds talks that are

few Canadian entrepreneurs to have made a fortune at a

designed to inspire others to follow their passion.

very small age after arriving from her home country.

2. KEVIN O’ LEARY:

5. MIKE LAZARIDIS: A famous entrepreneur from Canada is the co-founder of the

Kevin O’ Leary, the famous Canadian entrepreneur known

company Research in Motion limited (R.I.M.). The famous

popularly as Mr. Wonderful is a highly inspirational personali-

company that created the famous Blackberry and also

ty as an entrepreneur. Apart from being an accomplished

revolutionized the way people connect and communicate with

businessman he is also a known media personality with

each other.

appearances on Shark Tank and Dragons Den. He launched Soft Key software products with absolutely zero investment

Mike was someone who dropped out from the University and

and started making money from scratch, i.e. zero. In the

pursued his career and his business-minded goal of creating

current times in Canada Kevin O’ Leary is a highly

and launching (R.I.M.). A name that is unique and personally

well-known entrepreneur from Canada who made it possible

chosen by him to formulate the idea of how research is

with nothing in his hands. He is truly an inspiration for those

always critical being in motion or being mobile. One of the

entrepreneurs who are new to business and wants to make a

most practical entrepreneurs from Canada who truly believes

quick name in the business world especially with zero or very

in turning his ideas into reality. Mike has also founded other

little investment.

organizations that includes Centre for International Governance Innovation and the Perimeter Institute for Theoretical

3. LEONARD LEE:

Physics.

Another inspiring entrepreneur in the list of Canadian entrepreneurs who has made a name in the retail sector in

Highly recognized and honored internationally, today he is

Canada. Lee Valley is a famous retail store that specialized in

one of the most successful technologists in Canada. He was

unique woodworking and gardening tools. Interestingly, its

also named one of the Top100 most influential individuals by

home to unique gadgets you’d be hard pressed to find

Time Magazine in 2005. The way he merged business with

anywhere else. The store Lee Valley was founded by Leonard

technology is truly an inspiration for young entrepreneurs

Lee in the year 1978 and since it was formed as an inspira-

who want to invest their ideas and vision into the business

tion several more stores have opened all across Canada.

world.

Leonard Lee is truly an inspiration in the retail sector in Canada and has inspired many entrepreneurs in the retail industry. An industry that is highly competitive in Canada, especially in the fashion industry. Born in the province Saskatchewan, Lee went on to launch Canica Design in the year 1998 which is a medical design company. His efforts in the field of business & retail were highly recognized and Lee was made a Member of the Order of Canada in the year 2002.

4. TONIA JAHSHAN: A Canadian born Entrepreneur Tonia Jahshan is the owner and the one who started the company Steeped Tea. Her company has turned into a massive retail empire and generates million dollar of sales on a monthly basis while the company spans the globe. She has a unique story as she was working in a job where she didn’t had the passion. Therefore, in 2006 she stepped into entrepreneurship by

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

MBE BUSINESS MAGAZINE MARCH 2022

Challenges That Entrepreneurs Face When Stepping Into The Business World

DMM DEPARTMENT MB Enterprises

Entrepreneurship is itself a challenge and starting a fresh

There are many things that one makes sacrifice of while

business or an enterprise includes challenges that are much

entering into the business world, i.e. being an entrepreneur. A

bigger level. The magnitude of the challenges are high due to

challenge where your finances are also on risk apart from the

the level of security needed for the business as well as

amount of time, the investors and many other priority

qualified assurance. Technically, entrepreneurship is indeed a

stakeholders. Everyone who wants to enter the business

challenge especially for those people who have entered the

world, holds a passion for huge profitability margins. However,

business world for the very first time. They are lacking in

as a fresh business owner, you have to sacrifice on profitabili-

experience and the energy levels as they are first-timers. This

ty for some years, known as years of establishment. You may

is similar to being a first-time property buyer and having nil

even have to compromise on break-even, however, what’s

experience of having a property before. Naturally, the levels of

best on your part is your self-confidence. That’s the only thing

risk are far more than one can imagine.

that keeps you motivated for the right click that as an entrepreneur you have been looking for. All in all, stepping up into

Why the challenges are different as compared to those who

business world shouldn’t be just purely on basis of fake

are already in the business world? The answer is simple, it’s

assumptions.

the experience that counts on your way forward at the next step on the ladder. Obviously, it’s like a ladder where getting

BEING THE VISIONARY:

up is far more difficult than getting down the ladder.

As an entrepreneur, being the visionary and keeping your

MBE BUSINESS MAGAZINE MARCH 2022

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

goals & visions aligned is definitely a huge challenge.

Fresh entrepreneurs are even forced to make hundreds of

However, it’s not the biggest challenge, but it can turn out to

decision in a day, ranging from big, company-impacting

be a big one once you leave the sight of your goals. If you

decisions to tiny ones just affecting hours. However, whatever

have a vision for business sustainability via corporate social

it might be, they are decisions that can affect the business in

responsibility, it’s highly necessary to stick to that vision. More

ways big or small.

importantly, so that your good-will doesn’t get challenged and neither it is on stake for future business progress.

HOW TO DEAL WITH UNKNOWN CHALLENGES: As a fresh startup or business owner, you shall have to deal

As a founder and a visionary you have to come up with the

with many unknown challenges. These are the challenges

ideas for your startup. Hence, when a competitor emerges it

that you might never have faced once you were working as a

should be your responsibility to come up with a response

corporate employee. These are circumstances that have the

plan. This is a challenging situation for your business that

tendency to change or divert suddenly. Hence, the unknown

demands on-the-spot creative thinking. It is basically,

demands more cunningness as a business owner and more

because your instant creativity, agility, and attitude are all

potential to deal with the highly unexpected. Even your

important for your vision in the business arena.

contingency planning might fail and you shall have to come

DECISION MAKING:

up with a new strategy for future sustenance. The unknowns also includes questions like how long will your business exist?

The process of decision making is a challenge in itself and a

How profitable will your business be? & finally, will customers

challenge above all. It demands experience, which the

like your product & services?

business owner lacks as well as decision making in different and much diversified circumstances. As decision making can

MAKING THE RULES & IMPLEMENTING THEM:

turn the tables for you as an entrepreneur and it also demon-

In the world of business, where you have just jumped as the

strates your abilities and character in highly difficult circum-

boss of your own company. It seems a position of huge

stances. It’s a challenge that can become one of the most

strength, power & hold. However, what’s more challenging is

stressful ones, as while you are doing business, it demands

how you make the rules for your own company and how

your best approach towards decision making process. The

these rules are being implemented on a day-to-day basis.

decision fatigue is a real-life phenomenon, and most new

Company law is like a legislation that engineer’s success of

entrepreneurs will experience it if they aren’t prepared for the

the company in future. Hence, it’s a necessity of the CEO or

new level of stress.

the boss to make the rules with in-depth pondering and a highly figured out analysis.

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

MBE BUSINESS MAGAZINE MARCH 2022

FUNDING HELPS IN THE PROMOTION OF EV’s UPTAKE IN THE PROVINCE B.C. DMM DEPARTMENT MB Enterprises

Funding has been found to be the

preferring public transport, cycling

EV’s. The pilot program is a useful

most effective processes for the sake

and promoting walks. Thus, as a

one as it highlights the huge advan-

of promoting the consumption of EV’s

matter of fact environmental protec-

tages of EV’s consumption for the

in the Province B.C. A province that

tion has been termed as something

people and the environment. The

has been the cause of climate

that demands extra energy from the

environment of B.C. is a good mix of

change and hot weather recently,

locals and more commitments.

the scenic beauty, i.e. landscapes

which caused a large number of

Apart from an increased role

and urban life, i.e. cities with excellent

deaths. However, having said that its

from many different stakeholders the

infrastructure. According to the

British Columbia which is rising fast

community groups and the local

Minister of Energy, Mines and Low

apart from Quebec province in

governments throughout the beautiful

Carbon Innovation, there are efforts

consumption of the Electric Vehicles.

province can receive funding. These

going on in B.C. on a daily basis for

This is something which has been a

are funding received through COIP or

reductions in Carbon emissions and

dream for the province and its

Community Outreach Incentive

using clean energy to move around in

inhabitants. However, they are

Program. Main aim is to create a

the province. These are efforts under

growing in awareness levels for the

larger level awareness in people

the Govt. master plan for clean

increased consumption of EV’s,

through educating them to switch to

energy known as CleanBC. The

MBE BUSINESS MAGAZINE MARCH 2022

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

targets are supported by funding as well as the province is providing $121,000 through COIP.

THE COIP & CTTP PILOT PROGRAM TARGETS FOR B.C.:

SOME VITAL ACHIEVEMENTS & KEY FACTS REGARDS TO THE TARGET PROGRAMS: As a matter of fact, this is true that B.C. is a province that already leads the rest of the country in transitioning to the

The COIP, i.e. Community Outreach Incentive Program and

EV’s. This is a great achievement for the Province with 65,000

CTTP, i.e. Clean Transportation Targets and Planning are the

light-duty EV’s already on the roads of B.C. Apart from these

two active pilot programs in B.C. The targets for the two

national stats. The province B.C. also enjoys some internation-

programs are aligned until the next 12-13 years from today and

al facts and figures. Surprisingly, indeed the province was the

the Provincial Govt. of British Columbia is working in alliance

first place in the whole world apart from Canada to have a

and parallel to the efforts of the Canadian Govt. Hence, as the

100% (ZEV) law, i.e. Zero-Emission vehicles.

Govt. of Canada is far more active and committed to promote EV’s and reduce carbon emissions in all of Canada. However,

The COIP or community outreach incentive program is a

they have taken a positive start from B.C. which is the province

program that is funded by the province B.C. while it is adminis-

that stands out in its consumption of EV’s on a yearly basis.

tered by Plug In B.C .Obviously, this is a program from the Fraser Basin Council Society.

Hence, both the Pilot programs, i.e. COIP and CTTP have recently released their road-map until 2035, i.e. 13 years from

Some mandatory facts regards to the roadmap for 2035

today. Originally, it started from 2021, therefore, it was in the

includes a huge focus on efficiency-first transportation actions.

first place a 14 years targeted program with high profile

This not only includes the consumption of EV’s but also

environmental goals and agendas. The actions includes

promoting alternative modes of transportation including

primarily strengthening the Zero-Emissions Vehicles, i.e. ZEV’s

walking, cycling, and transit, i.e. commuting to work and

(ACT) to require 26% of light-duty vehicle sales to be ZEV by

personal activities. The road-map comprehensively demands

the year 2026. Furthermore, it will be increased to 90% by the

alternate commuting levels to increase to 30% by the year

year 2030 and 100% by the year 2035. This is something that

2030, and then a 10% increase every decade until 2050.

can practically be achieved if the pilot programs stick to their mandates and targets made for the 14 year period.

The efforts made in the province B.C. are synchronous to the efforts made in the rest of the Canada. However, the efforts

A sustainable future for B.C. is the dream of the Govt. of

precedes the rest of the country including Quebec due to the

Canada and B.C. and CleanBC is a pathway forward that

flexibility achieved by British Columbia province and the

relates to this thought. On the pathway to this program the

citizens in past. The general level of awareness for citizens of

efforts needs to be more prosperous and balanced for a

British Columbia is far higher than the rest of the North

sustainable future.

American country. A country that demands larger levels of success regards to reduction in greenhouse emissions and

Obviously, the CleanBC program at the same time supports

reduction in Climate change. However, there is always a room

the Govt.’s commitment to climate action for the sake of

for improvement.

meeting B.C. emission targets. At the same time mutual efforts with the Govt. for building a cleaner and a stronger economy for everyone.

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

MBE BUSINESS MAGAZINE MARCH 2022

HOW CAN TOTAL QUALITY MANAGEMENT MAKE YOUR BUSINESS MORE SUCCESSFUL? DMM DEPARTMENT MB Enterprises

TQM or Total Quality Management is

customer satisfaction, customer

part of the business practices that

expectations and finally involves

believes in making a business highly

leadership issues. TQM as it says

EFFECTIVE USE OF TQM FOR IMPROVING CUSTOMER SATISFACTION:

professional & standardized accord-

Total Quality Management, can have

As we have been discussing earlier

ing to certain QA procedures. Why

its impact on the overall image of the

regarding TQM and its relationship

we should go for a TQM program is

company and how the organization

with customer satisfaction. It’s

an interesting question that holds a

can compete with other companies of

important to note that the relationship

simple answer? When properly

similar stature & nature. Don’t forget

is getting stronger with general

planned and TQM implemented it will

customer satisfaction being a

dependencies of customer values

provide substantive financial benefits

necessary part of the TQM proce-

towards success with TQM practices.

to the business. At the end of the day

dures, as you can’t ignore customer

The primary focus of TQM and most

it’s about benefits that needs to be

feedback if your company is part of

Quality Management Systems is

substantial and the investment that

services industry. Apart from custom-

improving customer satisfaction with

needs to payback within the time

er satisfaction is how you manage

the help of a larger customer focus.

frame.

corporate organizational behavior in

At the same time meeting with

your company in light of some

customer expectations on a far more

TQM holds many things together that

mandatory TQM policies. HR

regular basis. Most of the time the

are mandatory for the smooth

practices in this regards are very

customers are satisfied when their

running of a company. These includes

significant as they set the rules of the

expectations are met. TQM always

employee empowerment, employee

game & how to stick with the basics.

believes in solid customer relation-

ownership, managing people,

ship as satisfied customers become

managing financial resources,

repeated customers especially

MBE BUSINESS MAGAZINE MARCH 2022

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

through the application of word-of-mouth marketing. A

desired outcomes (effectiveness)

marketing norm and practice that is linked up just with

• The productivity of a process compared the resources used

customer satisfaction and loyalty aspects. Some of the key

(efficiency).

Total Quality Management procedures and components that follows;

TQM & ITS RELATIONSHIP WITH LONG TERM COMPETITIVENESS:

1. Your business understands well the customer expectations

Being competitive in the business world demands excellence

regards to a field, industry or the product line.

and working on certain frameworks that are based on TQM

2. It always makes sure that your business has got the

values. Apart from customer satisfaction that is truly a recipe

expertise as well as the resources.

for financial success and stability. There are some other key

3. It always makes emphasis for the need of your business to

values attached that plays its part in long term competitive-

communicate to the customers exactly what you shall be

ness of a company. One of the major ones is consistency

delivering. Avoid all sort of misunderstandings.

and having a disciplined approach towards key business

works effectively towards customer satisfaction are as

practices. Yes, we are talking about key business operations

HOW TQM IMPROVES BUSINESS EFFICIENCY & EFFECTIVENESS?

that demands excellence, especially to achieve long term competitiveness.

When we are dealing with the corporate world, we mustn’t ignore the dynamic importance attached with business

TQM, as the acronym clearly makes you understand is not

efficiency and business effectiveness. Although, there are

just about a single product or a service meeting its

many links to business efficiency, but the most critical one is

standards. It’s about the whole organization working on the

profitability and how TQM can make business a much more

patterns set for TQM. Customer expectations and customer

profitable one, especially in terms of monetary values. As

satisfaction are the two mandatory ones apart from the rest.

they say in the business world ‘Let the money do the talking’, simply means be profitable, be effective. The efficiency part

IT’S NOT EASY TO IMPLEMENT TQM FULLY:

in TQM comes from managing your business internal

It’s not practically easy to implement TQM fully with respect

operations and understanding all key operations with a

to all the Quality Assurance Standards. However, whatever it

dynamic vision.

takes, it doesn’t make things easy for the practitioners. It is highly important to understand how TQM takes full commit-

The way TQM places a focus on the internal practices

ment from the management. Simply tossing the concept

includes;

down to the employees and asking them to ‘perform this’

• How processes align to produce the desired outcomes for

ironically just adds an extra burden on the workers without

better customer satisfaction values.

much benefit from their efforts.

• The consistency through which the processes delivers the

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

MBE BUSINESS MAGAZINE MARCH 2022

‘Being an Entrepreneur Is the Most Rewarding Career Imaginable’: Michele Romanow on How She Made It CANADIANBUSINESS.COM The entrepreneur is helping more

a.m. and go to work, the animals are

university accepted it. I found that

women- and BIPOC-led compa-

going to die. I’d like to think that my

process way more interesting than

nies secure capital

Saskatchewan roots never left me,

the stuff I was learning in school. The

because I still work my ass off.

Tea Room opened in 2006 and it’s

Michele Romanow has started many

still there today.

businesses throughout her years as

My mom and dad told me I could be

an entrepreneur—including Buyto-

anything I wanted when I grew

In my last year of university I met

pia—and advises Canadian founders

up—as long as I was an engineer. So

Anatoliy Melnichuk, who soon

as a cast member on Dragons’ Den.

I ended up moving to Kingston, Ont.

became my business partner. He sat

Her latest venture, Clearco, has

to study civil engineering at Queen’s

down beside me in class one day and

invested more than $2.5 billion in

University. By second year, I realized

asked what I was up to. I told him I

businesses so far.

I was going to be better at building

was preparing for a business plan

businesses than building bridges.

competition where the winner

I was raised in Saskatchewan where

While I was in school, the engineer-

receives $25,000 to bring their idea

everyone has this incredible work

ing faculty was opening a new

to life. He came to our next class with

ethic. A lot of people are farmers, and

building and I saw the opportunity to

all these pitches ready. I don’t think I

I was exposed to the mindset that if

build a sustainable coffee shop in it. I

seriously thought about becoming an

you don’t get up every morning at 6

put together a proposal and the

entrepreneur until I met Anatoliy. At

MBE BUSINESS MAGAZINE MARCH 2022

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

the time, our classmates thought we were nuts: No one in our

Four months into running the business, it’s September 2008

cohort wanted to build a business.

and suddenly we are in a terrible recession. I’m 22 years old, selling the world’s most unnecessary luxury product. That early

We entered a bunch of business plan competitions at Queen’s

failure point was really important because it taught me the

with the goal to build a caviar fishery—the worldwide caviar

world really owes you nothing.

supply was down about 90 per cent because of overfishing in the Caspian Sea—and ended up winning $100,000. We

From there, Anatoliy and I tried starting a bunch of other

literally drove our cars out to New Brunswick and proceeded to

businesses, like delivering fresh fruit to offices, but nothing

set up a commercial supply chain, figuring out fishing licenses

worked because the recession was too bad. I ended up taking

and finding people who could catch sturgeon for us. Once we

a job as the director of strategy at Sears, where I learned the

produced the supply, we started cold-calling restaurants trying

ins-and-outs of retail, purchasing and how to run an e-com-

to sell the caviar and shipping it out via FedEx overnight. It was

merce website. That job gave me time to catch my breath and

grueling, but initial sales went really well.

get back on my feet before trying to build something new again.

Clearco co-founder Michele Romanow (Photo: Courtesy of Michele Romanow) W W W. M B E F O RYOU. C O M

MBE BUSINESS MAGAZINE MARCH 2022

I started my next business, Buytopia, out of my apartment in

women- and BIPOC-led businesses being less likely to secure

Toronto in 2010. It was the beginning of the daily-deal

funding than ones led by men.

craze—think Groupon—and our business model involved working with retailers to offer our customers gift cards at a

Our deals are entirely based on AI: Founders will input all of

discounted price. We had zero money for marketing, so our

their business-related numbers and we run an algorithm that

first attempt at attracting customers involved buying a box of

determines in minutes if the business will be profitable. We

sidewalk chalk and writing our “deal of the day” and our

don’t care about who the founder is, what the pitch deck looks

website address outside every single major building in Toronto.

like, or even what the product is. All we care about is whether

We got so many calls from people being like, “Please stop

or not the business is growing and what the unit economics

defacing the sidewalk outside our building.” That was our first

are. As a result, our portfolio has eight times more women and

customer-acquisition business and it grew steadily from there.

nine times more BIPOC founders than the typical venture capital portfolio. To date, Clearco has funded more than 6,000

While running Buytopia, I realized that we had grown our

different founders, and invested more than $2.5 billion in

customer base but could expand even further by offering new

businesses. We’re the world’s largest e-commerce investor and

products. That’s why we built SnapSaves in 2012, an app that

have expanded into seven different countries around the world.

digitizes coupons from grocery stores. SnapSaves got a lot of traction very quickly and in under two years, we were acquired

The most challenging aspect of being an entrepreneur is that

by Groupon. I moved myself and my team down to its Chicago

you hear “no” every day. At the beginning of your career, no

headquarters and joined the company as the head of market-

one takes you seriously, and no one thinks you can build

ing.

anything of value. You have to have the capacity to endure an enormous amount of failure. I think only 20 per cent of the

Shortly after that, I got a cold call on our customer service line.

ideas I have worked on have actually been successful.

It was from a producer at the CBC asking me to join the cast of Dragons’ Den. When we’re filming a season of Dragons’ Den,

At the same time, being an entrepreneur is the most rewarding

we hear about 250 pitches over the course of 17 days and

career imaginable because you really have the opportunity to

everything starts to sound the same. It’s always, “I’m willing to

make an impact. I truly believe that Clearco has an enormous

give up 10 per cent of my company for $100,000.” Often,

opportunity, not only to be a unicorn, but to become a defining

people need the money for inventory and customer acquisition,

company that changes the way founders are funded. Growing

which translates to Facebook and Google ads. These ads have

up, I thought if I ran a company with a couple of employees,

a shockingly low rate of return. In 2015, I remember thinking,

that was my idea of success. What I have achieved so far has

“Why are founders using such expensive capital to do

exceeded my wildest expectations.

something with a fixed return?” One day, I decided to throw out a different type of deal. I said, “Why don’t I give you the $100,000 you’re looking for, and instead of taking 10 per cent of your business that I will own forever, I just want 10 per cent of your revenue until you pay me back my capital, plus six per cent interest?” It wasn’t a business loan because I couldn’t take their personal assets if they didn’t pay me back. That ended up being the first Clearco deal. I founded Clearco, an investment firm offering capital to e-commerce start-ups, officially in 2016 with the goal to democratize access to capital. There are so many people with great business ideas who don’t get the capital they need because that money is reserved for the “right people.” (If you’re a man and go to Harvard or Stanford University, you’ll have no problem fundraising.) Even if you have a great business idea with great unit economics, which helps determine the profitability of a business, it is extremely difficult to raise money. This is why we see incredibly skewed stats on race and gender with

MBE BUSINESS MAGAZINE MARCH 2022

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

How to Qualify a REALTOR for your next property Transaction? SYED HASSAN

Royal Le-Page, Royal Brokers

Buying or Selling a Real Estate property anywhere in the

1. Experience in the Industry:

world is one of the most important decisions in one’s life

You can count experience in banking, lending and financial

whether it’s for yourself or an investment. During my many

advisor towards this industry.

years in the real estate profession, I always joke with my buyer / clients that after selecting your spouse, buying a

2. Commission & Fees: If they are giving you too much of

property is the next biggest decision in your life.

a commission discount usually means they will not bring value to you and they are hungry for your business. Any

There are many factors that must be considered and looked at when purchasing a property: Location; Value; Future Projection; Market analysis; Growth on your investment; Taxes; Highways; Schools; Mortgage; Fit for your family needs; Closing cost; Transition; Inspection; Rental or lease items attached to the property and ﬁnally during the process, you and your family’s privacy and conﬁdentiality.

commission works for them. I have seen ads for $1000 a listing. They will not do a proper promotion on your property and will cut on required expenses like: flyers, advertising, travelling and open houses etc. A good realtor will ask for a fair commission because they will put forward their best effort and experience for your transaction.

3. Working Full time or not? So, do you want to put such a big decision in the hands of an

If the realtor is not full time, they will do a poor job. They

amateur, inexperienced and unprofessional individual?

could miss on potential opportunities of prospective buyers or showings. They will try to accommodate you in their free

I have seen customers devastated by the hands of Real

time, not when you are free. They will make excuses, miss on

Estate professionals who are not doing their job properly.

important calls or appointments. Basically, priorities will be

Unfortunately, many current agents got their Real Estate

different for a part timer vs a full time agent.

License fast-tracked in exchange for a quick money payout, but they lack the dedication, knowledge and hard work ethic.

4. Specialization:

Now a day, you will find every other family with one or two

Check Realtors specialization in terms of areas they special-

realtors in a house. Some of them have other jobs like driving

ize in. A west end realtor will have a hard time selling your

a taxi, convenience store owner, working in an accounting

house in the east end. They will not be effective in terms of

office or even a mortgage broker. People find quick cash in

knowledge, comparables and negotiations. Also, if a realtor

the real estate field and jump professions doing a few deals a

specializes only in pre-construction, they will do poorly in the

year to make some extra cash. They lack serious education,

resale area. They will not do the hard work that is needed for

experience and professionalism in the Real Estate market.

showings. They will be weak in negotiations, open houses

Real estate has become a haven as a part time business.

and vice versa. If the Realtor is only in resale, they will not be

What a prospective buyer or seller should do?

able to bring exclusive benefits from the builder and could miss out on promotional extras from the builder. They will not

Look for the following attributes before finalizing your choice

be able to negotiate important things from the builder like:

in a Real Estate Professional:

MBE BUSINESS MAGAZINE MARCH 2022

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

Assignment clause and lease during Occupancy. Capping on

what their client can afford, they will advise wisely according

development charges in the contract could cost you immense-

to the budget of the client. A professional realtor will get a

ly at the time of closing.

client qualified for a mortgage so that the client will not be stuck in a deal or potentially, lose their deposit.

5. Honesty, Ethics and Conduct: A few of the most important factors in selecting a real estate

There can be many other factors aside from what I’ve

professional are: Trust; Honesty; Transparency and Ethics.

mentioned when it comes to buying or selling a property, but

These are all major factors when conducting business. Due

in conclusion, my advice is to always choose an experienced

to the amount of money and commission involved, a realtor

and professional realtor. We always asks ourselves what

with poor credentials can compromise your interest for their

could I have done differently. Did I choose the best doctor,

small gain.

lawyer, dentist or financial advisor? When we talk about one of the most important transaction in our lives, choosing the

6. Keeping the client’s privacy and conﬁdentiality:

proper realtor should be no different!

During the real estate transaction, a realtor comes very close argue and cry in my presence. Clients discuss financial

Author: Syed Hassan, Broker, Royal Lepage Exceptional

issues, family issues, matters related to children and schools,

Professional and Educational Background

their disputes, their preferences, their weaknesses and their

B.Sc. Electrical Engineer, Real Estate Broker, Financial

strengths. During or after the transaction, a client deserves

Advisor, IQCS Certified Lead Auditor & Consultant for ISO

privacy and confidentiality. Any unprofessional and inexperi-

Management and Environmental Standards, Certified Total

enced realtor can easily do damage.

Quality Manager.

7. Financial Advice: All clients want the best property; a

Professional Experience and Afﬁliations

house purchase can become a very emotional time and can

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

easily get carried away. A good professional will always keep

Brokers, American Express Bank of Canada, Budget Rent a

there and their client’s eyes on the ball. Depending upon

Car, Moody’s, SGS, PIQC.

to the family they are dealing with. I have seen family’s fight,

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

MBE BUSINESS MAGAZINE MARCH 2022

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!

HOW WILL 2022 BE A GOOD YEAR FOR THE ENVIRONMENT IN CANADA?

DMM DEPARTMENT MB Enterprises

Will 2022 be a good year for the Environment for Canada is a

mutual efforts can the two key nations make to overcome

question that is raising many eyebrows? Especially, for the

these challenges that are growing every day?

people who have attachments with the environment & always

It’s indeed a necessary fact that 2021 was a year that was

keeping themselves updated regards to ongoing activities

dominated by environmental news. This is indeed despite the

that relates to environment protection. Whether it’s keeping

on-going COVID-19 constraints on the Canadian economy.

oneself updated regards to the recent campaigns in Glasgow

The global fossil fuel consumption rebounded after its

regarding the COP26 Climate Change Summit. Alternatively,

collapse in year 2020. More importantly, how can one forget

efforts being made in the different Canadian provinces

the need for immediate action regards to previous year

regards to promoting the use of electric vehicles, also known

climate change disasters all across the vast land Canada? As

as EV’s. World leaders especially President Joe Biden and

a result there was record setting heat in British Columbia

PM Justin Trudeau have last year shared and discussed

Province apart from fires and floods in different other provinc-

some useful thoughts regarding climate change and how to

es in Canada.

be aware in terms of the climate change effects & its on-going regional challenges on the continent North America. What

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

MBE BUSINESS MAGAZINE MARCH 2022

A FAST RE-CAP OF 2021 ACTIVITIES & ENVIRONMENT STORIES:

THE FI’s SHALL BE MORE TRANSPARENT ON CLIMATE RISKS:

World leaders from many important countries including U.K.,

The FI’s or Financial Institutions shall play a more transparent

Canada, USA, & Italy met in Glasgow, Scotland for COP 26

role on the risks associated with environment. After too many

Global Climate Change Summit & also promised to meet in

years of efforts for the sake of bringing sustainability and also

2022 with deeper environment agendas.

investments in O&G sector, there shall be some positive changes that are expected in 2022.

The federal Canadian Govt. efforts gradually moved ahead in

There are high expectations from the financial institutions to

banning selected plastic items while the US/Canadian oil

make laws and legislations that are more focused on transpar-

industry showed response by addressing the court for the

ency and more concrete reporting regards to the climate-relat-

sake of blocking the bans. However, at the same time the

ed risks.

Environmental Defense and partners explained the much needed and dynamic importance of the bans.

ONTARIO ELECTION WILL BE HIGHLY FOCUSED ON ENVIRONMENT:

In 2021, there were rallies in the Province Ontario while the

The Govt. of Ontario has high promises that relates to the

Ontarians showed protest while sticking to their agendas

environmental concerns of Ontario. The provincial Govt. has

under the “Ontario: Yours to Protect” program. Under the

promised to build more highways and which means less

program the activist protested against many diverse environ-

habitat for the endangered species and more carbon

mental challenges that were termed as key in shaping the

emissions. There are predictions and expectations of a strong

environmental future of Ontario.

citizen and media engagement in the lead up to June 2022 election regards to environmental agendas. Also, there are

Below are some of the predictions for the environment in

predictions between parties to dominate the debates for the

2022:

environmental policy differences.

EV’s PROMOTIONS & USAGE:

The focus in 2022 elections should be developments in light

The year 2022 which has already started will lay more

of the environment, the natural habitat and obviously the

emphasis on use of Electric vehicles. 2022 will surely mark

endangered species.

the introduction of many new EV models with far greater more common in British Columbia and Quebec, apart from

MORE CONSUMER AWARENESS REGARDS TO THE TOXICS IN DAILY CONSUMER PRODUCTS:

these two if you live anywhere else in Canada, than you need

The consumers in Canada will be made more aware regards

luck with the EV. Just like it happens in B.C. and Quebec the

to the amount of toxics present in their daily consumer

Federal Govt. has further promised to address the problems

products. Especially, regards to cosmetics and cleaning

of EV’s by the route of implementing new requirement of car

products that are used by millions of people in Canada on an

companies. Under this requirement the Govt. wants compa-

everyday basis. In the year 2022, fresh rules shall be

nies to sell a specific percentage or portion of their total sales

introduced that will require the disclosure of toxic ingredients

as zero emission vehicles. 2022, a year which will make Govt.

on the labels of household cleaning products, cosmetic

more aware regards to promoting use of Electric Vehicles.

products for both men and women and some furniture.

range and much more economical prices than ever. They are

MBE BUSINESS MAGAZINE MARCH 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

Most Popular Places

For Canada’s International Students In-take

DMM DEPARTMENT MB Enterprises

As we all know very well that Canada is the 3rd most popular

TORONTO:

country for Int. students coming to the great country on a

Toronto city is easily the financial capital of Ontario Province

yearly basis. Hence, students coming to Canada are not only

and easily the most wanted city in Canada with a huge

looking for the University rankings & the rich academic

population coming every year just for the sake of education.

standards. They are also looking for a balanced lifestyle,

University of Toronto is a high ranking university in Canada

cultural heritage of Canada, energy for Int. students & more

which competes some of the best Int. Universities of the

importantly, better standards of working. As people coming to

world. Toronto, a land of high-rises and very rich culture that

Canada, especially the Asian countries prefer to work

speaks volumes for her vibrancy & diversity. It is also the

part-time apart from their daily student’s life. The preferences

largest Canadian cities and a home to approximately 6 million

for students coming to Canada is the balance between

people, while being the most multicultural city.

University life/college life and work-life. Apart from this, what are the best places for them to enjoy on weekends, i.e.

It’s also student’s most wanted city as it has rich job opportuni-

Saturdays and Sundays, i.e. the beaches, party places,

ties for part-time placements as well as for people post-gradu-

night-life and dining areas such as good restaurants. In

ation. You can stick in Toronto with a 100% guarantee for your

addition to these preferences from Int. students, they prefer a

placement after your graduation, while you are on a PSW

safe place to live as Canada is a huge country with many

visa. According to stats almost 87% of people on PSW visa

places that have a very low urban population density.

living in Toronto do get a job according to their degree, i.e. full-time placement. Hence, it is the best place to be for

Ironically, according to the stats the most favored provinces

career opportunities after student visa.

for Int. students is Ontario which is home to major Canadian cities. These cities includes Toronto and Ottawa being the

OTTAWA:

most wanted ones for Int. students. Just under 50%, i.e.

Ottawa is the Capital city of Canada and is also student’s

49.3% of International students are based in the province

second most popular city amongst Int. students. It not only

Ontario with a major distribution in Toronto and Ottawa.

enjoys the status of being the capital city, but also home to

Obviously, the capital city Ottawa attracts many int. students,

some great architecture and holiday tourism spots. It’s a

but still lags behind the largest metropolitan, i.e. Toronto and

pretty cosmopolitan place as almost under half of all the

the hub of commerce and finance in Canada.

people living in Ottawa speaks both English language and French language. The city apart from having a decent

Next province that is behind Ontario is Canada’s most

cultural heritage also enjoys its rich historical heritage with

beautiful planet, i.e. British Columbia. A province with major

attractions like Parliament Hill, Canadian War Museum,

Canadian cities, i.e. capital city Victoria and Vancouver. B.C.

Rideau Canal, and the National Gallery of Canada.

holds approx. 20-25% of Canada’s Int. students. Finally, its Québec province with 17% Int. students.

VANCOUVER: Vancouver city ranks 3rd for International students as it is the

Here is the list of most famous Canadian cities for Internation-

seaport city and largest city of Province British Columbia.

al Students In-take;

Attracts many students from different parts of the world due

MBE BUSINESS MAGAZINE MARCH 2022

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

to its rich cultural diversity, a busy lifestyle and a buzz that

These festivals are richly linked with Canadian culture and

suits the busy nature of Vancouver. Surrounded by some

promotes Tourism values in Canada while covering arts,

beautiful landscapes its Canada’s top city in terms of rich

music, and comedy. Frankly speaking Montreal competes

tourism values. The city is improving every day for students

highly with Vancouver city in terms of its lively nature and

work opportunities as well as Postgrad. work opportunities.

being a livable city.

This is mainly due to the city’s friendly nature and the attitude of people that it is 3rd most wanted city for Int. students

QUEBEC CITY:

coming to Canada.

The capital city for the only French & English speaking

The city Vancouver also holds excellent work opportunities

province is Quebec City which ranks 5th in the list for Int.

with many companies that have their headquarters in

students. The city is the heart of Quebec and holds Canada’s

Vancouver. These companies includes Canucks Sports and

oldest and historical sites.

Entertainment, Fairchild Group & HSBC Bank Canada. The city is not just only about pretty buildings, rich history &

MONTREAL:

Universities, but it holds excellence at par when it comes to

Now we are dealing with the third most wanted province for

job opportunities after completion of studies. Many internation-

International student’s in-take and its Quebec province. An

al students turn their dreams into reality while they enter

English and French speaking province with two major cities

Quebec City with at least 15-20 Universities just in Quebec

and one of them is Montreal. The gorgeous city ranks 4th

City.

regards to Int. students coming to Canada and is home to almost 3 million people. The city ranked 6th in the QS Best Student cities in 2019 and since last two years the stats have changed surprisingly. The city is known for its festivals and diverse cultures with over 100 festivals taking place in just Montreal every year. W W W. M B E F O RYOU. C O M

MBE BUSINESS MAGAZINE MARCH 2022

MOTIVATING EMPLOYEES IN NEW YEAR FOR BETTER WORKING STANDARDS DMM DEPARTMENT MB Enterprises

New Year, i.e. 2022 has started with

employee motivation shall play a

locations. 2022 can even be termed

new hopes, agendas & new resolu-

pivotal role in this process. A program

as the year of unification strategies

tions in the corporate sector along

of re-engineering that most compa-

that shall alarmingly bring people

with a better working relationship. It’s

nies have decided to take to re-struc-

close to each other to work with

a year of change as far as the targets

ture and re-calculate their future

integrity & pure commitments. These

of the New Year are concerned along

strategies.

are some of the strategies that

with the health & safety laws. These

companies and their management

are priorities in the New Year but

The after-effects of the years of

might adapt for the sake of better

were different than previous two while

pandemic, i.e. 2020 and 2021 has

working standards. Ironically, as

the whole world was fighting the

been enough to change the working

recovery from the effects of past two

pandemic. Employee motivation in

styles and work environment of many

years is highly needed.

the New Year is much more

companies. Not only in Canada, but

avoid situation

enhanced, focused and potentially

internationally, the change is indeed

more focused towards restructuring

not taken as a positive one. However,

HOLD MOTIVATIONAL MEETINGS:

and recoveries due to the past

but the change has been impactful in

As part of the comeback strategy and

effects. We need far more restructur-

terms of the financial losses as well

plans the HR and management must

ing and change management

as the amount of layoffs and people

hold motivational meetings and talks.

strategies in organizations, and

working from home or remote

These motivational meetings should

MBE BUSINESS MAGAZINE MARCH 2022

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

be for the sake of restructuring the employees together and

An idea or a dimension to do something differently can always

gathering them for plans and agendas for the New Year. The

be helpful for the management in terms of their decision

meetings should hold motivational talks and discussion of

making process.

agendas for new startups and investments that the company globally, the motive must be that employees should share their

BE OPEN WITH COMMUNICATION & WELCOME FEEDBACKS:

thoughts and emotions after coming back from the pandemic.

In the New Year, i.e. 2022, the management and companies

They must also share how they have planned to work in

needs to be much more open while welcoming feedbacks from

different departments and implement strategies of change with

employee. Feedbacks are always wanted as they make

higher levels of in-depth calculations. Also, they must show

employees feel more important in terms of the ownership

how committed they are for the goals of the company & the

aspects and highly wanted in the growth strategies of the

company’s future expansion plans.

company. If clear goal-setting is one of the New Year Resolu-

has setup in the pipeline. As part of the unification strategies

HAVING CELEBRATIONS MORE OFTEN:

tions of the company remember that you need to add the importance of open communication to the list. One of the most

Celebrations and enjoying together in form of birthday parties

profound ways in which you are constantly keeping your

and events is a useful activity while making a good rapport and

employees more updated on the progress of your goals.

enjoying together. In 2022, it’s a far more necessary activity

Furthermore, what needs to be done as part of future

than it was earlier as celebrations unites people, especially if

strategies?

they are working in a team environment. Celebrations promotes a culture of friendliness at work and working while

As a manager or a business owner just have to make sure to

sticking to the patterns of being admirable and affectionate. It’s

check in more frequently with your team. At the same time

an even larger than life necessity than before as obviously the

listen to their thoughts, opinions and feedbacks at the same

sufferings of the pandemic have been far more than one can

time. Do ask them often how well they can self-motivate

imagine.

themselves and make strategies of self-motivation.

SHARING OWNERSHIP OF DECISIONS:

CREATIVITY IS THE NEW KEY FOR THE NEW YEAR:

In a working environment where ownership means a lot, the

Promoting creativity is a deeply wanted factor, if you believe in

ownership of decisions needs more sharing in 2022. Owner-

quick results along with the interest of the employees. Make

ship of decisions is part of the employee ownership and means

them feel more interested through increasing their creativity &

a lot for employee motivational values. These are values that

involvement levels. How creatively can they face the challeng-

helps in bridging the gaps between employees and manage-

es of the New Year and what creative solutions they can

ment and helps in developing a core relationship. Sharing

introduce? It is indeed a great way to motivate your team in the

ideas with employees and bringing them closer in decision

New Year is via challenging them and maximizing their

making process always gives them a motivational boost.

potentials.

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

MBE BUSINESS MAGAZINE MARCH 2022

(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

MBE BUSINESS MAGAZINE MARCH 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

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

We are stitching famous MUKTSARI

HALAL FOOD

IFIED 100% CERT

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

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 MARCH 2022

National Tourism Organizations Canada & Their Role In Promoting Tourism In Canada

DMM DEPARTMENT MB Enterprises

The National Tourism organizations Canada have a massive

Canada, TIAC, i.e. Tourism Industry Association of Canada,

role to play in the promotion of Tourism activities in Canada.

ITAC or Indigenous Tourism Association of Canada, Tourism

These are activities on the national level as well as the

& Travel Research Association of Canada and finally CTHRC,

provincial level in the vast country Canada that is known for

i.e. The Canadian Tourism Human Resource Council.

Tourism activities that are global. These activities also have a global outreach in terms of the marketing activities as well.

DESTINATION CANADA:

Marketing is a huge advantage in the Tourism sector and a

Destination Canada is an international Tourism organization

huge credit goes to the national Tourism organizations in

and is Canada’s national marketing organization. Destination

Canada. These activities are growing every day and the

Canada has a huge vision to compel the world to explore

results have been great in terms of the financial aspects. The

Canada. The CTC works very closely with its partners in

promotional activities from the national tourism organizations

tourism and government to advertising and market Canada

are also dependent on various conferences that takes place

for the sake of conducting industry research and studies and

in Canada in different provinces & territories of Canada.

to promote product and industry development.

Some of the examples includes National Tourism Conference in Ontario that takes place on an annual basis.

The efforts of Destination Canada is growing on an everyday basis that’s the main reason why it is the national marketing

Promoting the tourism activities involves many different

organization of Canada. The agendas for 2022 are very clear,

stakeholders and the national Tourism Conferences is a huge

i.e. promoting Canadian Tourism in the Int. sector & covering

support along with the support provided by many different

the losses of the past two years, i.e. 2020 and 2021. A key

National Tourism organizations. The various national Tourism

reason why Canada has been a highlight for tourists.

organizations that will be discussed includes Destination

MBE BUSINESS MAGAZINE MARCH 2022

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

TOURISM INDUSTRY ASSOCIATION OF CANADA(TIAC):

in the Tourism sector is vitally due to the size of Canada. The Canadian chapter of Tourism & Travel Research Association

TIAC or Tourism Industry Association of Canada like Destina-

of Canada is dedicated to the individuals who are looking in

tion Canada is yet another organization that promotes

advancing the quality effectiveness of tourism research &

Tourism in Canada through market research & other types of

marketing. Especially, since marketing & research are closely

research activities focused on Tourism sector. It is the

knit and enjoy a gorgeous relationship.

national private-sector advocate for the Canada’s Tourism industry. Hence, representing simultaneously, the interest of

CANADIAN TOURISM HUMAN RESOURCE COUNCIL:

Tourism business community nation-wide while promoting

CTHRC or Canadian Tourism Human Resource Council is

positive measures. These are key measures that helps the

one of the 34 national sector councils. The main aim of this

industry grow and prosper. Tourism sector has suffered the

Human Resource Council is to promote Tourism with a

most due to the effects of the pandemic, COVID-19 mainly

different perspective. They aim to support the labor while

due to the lockdowns and travel restrictions.

improving the quality of the Canadian labor force. Furthermore, also assist the businesses to become more flexible in

INDIGENOUS TOURISM ASSOCIATION OF CANADA (ITAC): ITAC or Indigenous Tourism Association of Canada has a

improving & meeting up with the changing competitive demands.

nomic situation of the Indigenous People within the Ten

ROLE OF THE NATIONAL TOURISM ORGANIZATIONS IN THE NEW YEAR ‘2022’:

Provinces and Three Territories of Canada. Purely, for the

In the New Year, i.e. 2022 the role of the above organizations

sake of Indigenous people, i.e. the Inuit communities in

is even more practical and important in terms of the

Canada that are less in number but have a very important

outcomes. These organizations along with its different

role in Canada’s progress in all regions. People who are

stakeholder organizations that includes VIA Rail Canada, Air

saturated in Canada like sugar content in milk have been

Canada Johnston Group, Wow Hospitality concepts, Canada

playing vital part in Canada’s history.

Inns and Calm Air have a massive role to play in terms of the

The organization ITAC will definitely develop relationships

restoration of Tourism in Canada. Tourism Canada has been

with other groups and stakeholders as well with the same

affected highly in terms of the number of financial setbacks

mandates, i.e. promoting cultural Tourism in the country.

that have happened lately in last two years due to the

huge purpose and the mission is to improve the socio-eco-

pandemic COVID-19.

TOURISM & TRAVEL RESEARCH ASSOCIATION OF CANADA Why research has been identified as a key aspect, especially

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

MBE BUSINESS MAGAZINE MARCH 2022

TOPBENEFITS

RMA/MBBP CANADA WWW.RMACANADA.COM

Payment Processing Services Credit & Debit Cards

01.

ATM Deals and Offers

02.

Esso (Imperial Oil)

03.

Voortman Bakery

04.

Energy Savings

05.

Grocery Coupon Redemption Service

06.

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

Deluxe Nebs

07.

Accounting Services

08.

Drug Plan

09.

Home, Auto, Health, Dental and Life Insurance

10.

e-Shipper

11.

Cineplex Discount

12.

Northern Financial Group

13.

MBE Business Magazine

14.

Real Estate

15.

MBE BUSINESS MAGAZINE MARCH 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 MARCH 2022

NATURAL WELLNESS HABITS TO KEEP YOU MENTALLY HAPPY & HEALTHY

DMM DEPARTMENT MB Enterprises

Natural Wellness is a nature’s gift to mankind that not only

What’s important for your busy lifestyle is that you develop

keeps you healthy & happy but also keeps you motivated for

good habits that will not only motivate you, but also energize

your everyday goals. For the sake of daily motivation its

you at the same time. It’s not like taking Wellman tablets

important how happy you feel for your daily routine that

every day and keeping yourself fit, but what’s best is to

includes life at work, and finding a good balance between

involve in a routine where you can find natural ways to

work & life. The work-life balance always keeps a person

improve yourself. Hence, every day is a new day & brings with

energized and motivated for positive results and bringing

it the new challenges of life. A daily walk or a daily meditation

theory into action. Your mental health improves once you

habit for 15-20 minutes every day is a basic example of how

generate happy hormones while maintaining a busy routine

you can be the master of your own brain and improve yourself

for the whole week. Weeks compile up to become months

to take the challenges of the busy life. Your consistency is key

and months add-up to become years. However, how quickly

not only for the sake of a smart brain, but also for the sake of

the time passes, it’s important that the value of time w.r.t. the

your body maintenance targets. The eight dimensions that

enjoyment factor is realized each and every second.

regulate our daily functioning includes emotional, spiritual, intellectual, physical, environmental, financial, occupational

MBE BUSINESS MAGAZINE MARCH 2022

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

BEING SOCIALLY ACTIVE: Yet another key aspect that is a great asset for your mental wellness and mindfulness is to be socially active. You can surely take some time out of your precious schedule for people around you, i.e. your family, your friends, or your colleagues. In addition to this, meeting new people every day shall definitely help you make new friends. Something, which you adored in life when you were eight years old. Don’t deny going in parties, in fact make it a habit as part of your daily routine. A socially active life is a life lived with more commitments and happiness. Ironically, as ‘Man is a social animal’, rather being a social beast. Being socially active always helps in making contacts that can be highly helpful for your career goals and prospects. and social health. All of these eight together help us manage

Definitely, as we live in a society where mingling with people

our daily routine.

from various different countries and races always helps in

LIGHT, MODERATE & HIGH-INTENSITY EXERCISE IN MODERATION: Some sort of physical activity everyday not only keeps you fit

improving your mental wellness. By maintaining constant involvement in positive and pleasant social interactions, you can stabilize and improve your mood and avoid many health risks.

as a fiddle but also makes you feel good physically. How you look physically matters for your own self-confidence and personality. Something that can easily make you feel nice

PRACTICING MINDFULLNESS ON A DAILY BASIS: A good habit to combat mental health issues is practicing

while you can encounter your personality traits. A regular

mindfulness on a daily basis. This can be achieved through

exercise routine improves your mental health by reducing

meditation for at least 15-20 minutes on an everyday basis.

anxiety, depression, and negative moods and improves your

Mindfulness is a mind-body practice that includes the state of

self-esteem and cognitive functioning.

being present by arousing awareness of what is going on, inside you and around you. Mindfulness through meditation

An exercise for at-least 30 minutes or more at least three

helps you think positive when you need positive psychology

times per week gives mental health benefits in multiple ways.

the most.

It improves sleep, stress relief, better endurance, and improvement in mood, increased energy and stamina and an

Mindfulness can also be achieved through watching positive

increase in mental alertness and weight loss.

videos and motivational speeches from prominent motivation-

MAKING USE OF POSITIVE PSYCHOLOGY & PRACTICING GRATITUDE:

al speakers and psychologists. As a matter of fact its ‘Mind over matter ‘that really helps you conquer your thoughts on the road to positivity.

Making good use of positive psychology and practicing gratitude helps in mental wellness on an everyday basis. Positive psychology means you adapt the ability to think

HAVE AN INTELLECTUAL AWARENESS: Intellectual awareness is something that improves your

positive on a far more regular basis irrespective of the results.

natural wellness via indulging into intellectual activities on a

The results shall come automatically itself as they are highly

much more regular basis. These activities includes reading

dependent on how positive you can think. Be thankful for what

and writing, and on top of that getting yourself involved in

you have and being thankful for people around you will

reading positive and motivational reading. It improves the

always help. It not only helps your mental wellness and focus,

mental ability of your brain and apart from this the mindful-

but also gives you a happy mood for the rest of the day.

ness that you have been looking for.

Gratitude also makes you realize that your skills and abilities are enough for you to achieve wonders with your career life and personal life. Also, by practicing and manifesting a conscious state of gratitude naturally boosts our happiness.

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

MBE BUSINESS MAGAZINE MARCH 2022

Real Estate Investments Risks Every Real Estate Investor Should Know About

DMM DEPARTMENT MB Enterprises

As a Real Estate investor or somebody looking to buy a

expected value of the investment. The investor should have to

property, there are certain risks the investor should know

keep in mind how much can be their expected return, i.e. how

about. These are variable kind of risks but these risks can

much should be the cost of property in a defined period, let’s

hurt the investor’s goal of profitability. In most cases however,

say after ten years. Investments is all about risks and gain,

a real estate or property investment is one of the safest mode

but the true evaluation of risk indeed is a huge blessing for

of investments one can choose. The biggest and highest

the Real Estate investor.

priority concern should be risk mitigation which is a high-level concern with risk management i.e. identification of risk, its

These are some of the risks factors that should be consid-

evaluation and prioritization. We can’t deny the fact that

ered when evaluating any private real estate investment:

investing in general involves both the risks and the rewards. In most cases the higher the risk the greater is the potential

IDIOSYNCRATIC RISK:

for significant gains and losses of invested equity.

The real estate investment risks that we are dealing with right now is the idiosyncratic risk and it is specific to a certain

While dealing in private equity real estate the fact that the

property. Which seriously means the more risk the more

investor is buying physical property is always a source of

return. As an example, we can say that construction will add

satisfaction for the investors. Mainly, because it increases the

the level of risk to a certain project as it limits the capacity for

level of comfort for the investor in terms of risk calculations

rent collection during that time. This is definitely conditional

i.e. risk mitigation. Despite this there are plenty of risk

and the condition here applied is construction or renovation to

involved in the commercial sector, i.e. commercial real estate

a property that can halt its original commercial value.

investing that have to be considered in parallel with the

MBE BUSINESS MAGAZINE MARCH 2022

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

The type of the same risks is entitlement risk, which is the

Thus, liquidity risk means largely that making it easy to get

Govt. doesn’t allow or permit the project to proceed further.

into the investment, however, difficult to get out.

Another type in the same category are the environmental risks that arises due to environmental hazards. These can

GENERAL MARKET RISKS- ‘ANALYZING THE TRENDS’:

also range from soil contamination to pollution. Other types

As the name suggests all the markets have ups and downs

includes budget over runs, political risks and workforce risks.

that relates to the property investment risks. These are risk that are tied to the economy, the interest rates, the general &

Another important and key risk factor is the location risks

periodic market trends and inflation, i.e. decline of value or

which is part of the idiosyncratic risks. As an example, we can

purchasing power of currency over a time period. As a matter

assume that a property has got some disturbances or lacking

of fact it’s true that even the smartest of investors can’t

financial stability due to its location or another property in the

eliminate the market shocks. However, with a diversified

same location. Finally, we can sum it up & conclude that the

portfolio they can easily hedge their bets against booms and

idiosyncratic risks are defined as the risks that are specific to

busts. A diversified portfolio always helps in minimizing the

the asset and the related or associated assets business plan.

risks & improving returns.

LIQUIDITY RISK: Liquidity risk means that how far the property is a good

Apart from a diversified portfolio another key factor that the investors can use to minimize the risks is to develop a strategy based on general market conditions.

investment & how fast it can be turned into hard cash. The consideration that comes here is the actual depth of the

These are some of the key and mandatory risks that as a real

market and how one will exit the investment needs to be

estate investor one should be aware of. Not only that, as an

considered before buying. As a regular and professional

investor they should make an enquiry about these risks and

investor, one can expect at least half a dozen buyers for a

receive straight answers for better investment decisions. As

property in a city like Toronto, i.e. regardless of the related

an investor be aware of any investment opportunities that

market conditions. At the same time a property that is located

don’t make all risks involved crystal clear.

in Suburbs of Toronto example Brampton might not have the same number of market participants. This is a scenario that can be termed as a normal market condition in Canada.

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

MBE BUSINESS MAGAZINE MARCH 2022

Top Tourism Destinations In The Province British Columbia

DMM DEPARTMENT MB Enterprises

Province British Columbia is a major province from Canada

Columbia’s very own gold rush or learn more about the

and holds highly beautiful and enriched scenic beauty that

culture of Canada’s indigenous people also known as First

defines Canada. Includes two major cities of Canada, i.e. the

Nation.

provincial capital Victoria and the financial hub of B.C. i.e. Vancouver. A city that has the bounce and feel that is unique

An overview of the best & most famous places to visit in the

and distinguished from the many list of cities in Canada.

gorgeous province British Columbia.

Vancouver is also a city that holds positive vibes & energy for people coming to visit Vancouver on holidays & cultural

VICTORIA:

tourism. The capital city Victoria is named after the British

The capital city of the great & beautiful province British

monarch Queen Victoria who was the Queen of England

Columbia, Victoria deserves a visit when you long for a touch

when Victoria was developing into a major Canadian city and

of merry old England. The provincial capital city on the

got its name from England. It’s a province that is rich in

Vancouver Island is named after the great Queen of England,

culture and values that relates heavily to cultural Tourism.

Queen Victoria. The medieval city Victoria do remind people

Apart from cultural Tourism, British Columbia is also getting

of the cultural & architectural heritage of old England as it is

famous amongst students as the number of Int. Students

the second oldest city in the Pacific Northwest. Furthermore,

in-take is getting bigger on every passing day. A province that

the great city has the second oldest China Town in North

just lags behind Ontario in terms of the number of students

America. A wonderful example and something that truly

coming to study in Canada yearly. A Province that has

complements the old Victorian architecture is the ornate

everything that’s needed in balance in addition to the chang-

Craigdarroch Castle. The city on top of the architecture has

ing weather in summers which is getting far hotter.

some beautiful gardens that makes it ‘The garden city’. Some

Whether you are a skier, a hiker, a historian or a shopper you

of the most famous and pretty ones is the Butchart Gardens.

are pretty sure to find plenty to do in British Columbia. A

You can never have a sorry moment if you arrive in Victoria

province made for the people who just adore going outdoors

for a visit and invest at least a week while you move around

and enjoy the enriching and adventurous experiences. As a

Victoria.

traveler you can visit the towns founded during British

MBE BUSINESS MAGAZINE MARCH 2022

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

Also, a vibrant city due to the number of people coming yearly

feet into the skies of B.C. Lots of waterfalls to count and an

to study and giving the city the attitude of being an internation-

internationally known 500,000 year old fossil bed. People

al student’s hub.

coming to Yoho national park are mostly those that want to

VANCOUVER: How can you even think to forget Vancouver, if you visit British Columbia? The great city from Province B.C. is a hub of trade,

explore nature and love adventure. They love hiking, boating, mountain climbing, cycling and walking for long hours, while exploring the beauty of Yoho.

finance, commerce, economics, cultural heritage, Int.

PACIFIC RIM NATIONAL PARK:

students and what not. A great city to dine-in and enjoy some

Another gorgeous national park, apart from Yoho national

good Italian or Spanish cuisines with your friends or family. It

park in B.C. is the Pacific Rim National Park. It’s a great place

is the sea port city of British Columbia and the largest city of

to enjoy the nature, rugged coastlines and lush green

the Province, apart from being the 3rd largest metropolitan in

rainforest. The park is a massive attraction for a number of

Canada. A scenic cosmopolitan city where the residents of

people annually and is segmented or segregated into three

the city enjoy the high quality and busy lifestyle. People

sections. These includes Long Beach, Broken Group, and

coming to Vancouver explore the very beautiful forested

West Coast Trail.

Stanley Park and even walk across Capialano Suspension Bridge.

NELSON: Nelson is yet another scintillating city of British Columbia

A city that has a very large concentration of high-rises holds

Provinces and the third most popular one after Victoria and

huge financial values for Canada with millions of people

Vancouver. It is also sometimes known as the ‘Queen City’,

working daily in the corporate culture of Vancouver. The

and a big reason for this are the restored number of historic

Museum of Anthropology is the best place in Canada to learn

homes that dates back to the days of the Silver Rush. 1860’s

about the First Nations, the natives of the great country

was the golden era during which Gold & Silver were discov-

Canada. If you are coming to Vancouver as a visitor don’t

ered in Nelson.

forget to take in the Granville Public Market or the Vancouver Aquarium.

YOHO NATIONAL PARK:

The walking Baker Street in Nelson is another busy & famous tourist attraction in British Columbia and has got many historical values attached. For people coming to explore the

Apart from the many beautiful places and cities in British

scenic beauty of B.C. Nelson is a good base for them as well.

Columbia, the Yoho National Park is one of the most fascinat-

It’s a highly suitable base to explore the lakes, the mountains

ing parks to visit. Especially, for those who love going

and the rivers of the surrounding area.

outdoors and love to discover the beauty of Canada. In the Cree language, Yoho means ‘awe’ and ‘wonder’.

British Columbia is one of the most balanced provinces & territories of Canada with a good balance between nature,

The park has got 28 mountain peaks that soar at least 9,800

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

and an outstanding metropolitan life.

MBE BUSINESS MAGAZINE MARCH 2022

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

St. Patrick’s Day an observance in canada on DMM DEPARTMENT 17th march 2022 MB Enterprises

St. Patrick’s Day is followed all around the Christian world on

he spend six years as a slave in captivity. He eventually

the 17th of March as it originated from Republic of Ireland

escaped from slavery to a place in modern day France. A

and is followed as a bank holiday in Northern Ireland. St.

place where he studied for a period of 12 years in the

Patrick, the patron saint of Ireland is a widely known historical

monastery under St. Germain. He became a devout Christian

figure and is arguably the most famous patron saint of a

while he worked as a shepherd on Slemish Mountain. He

country. His overwhelming efforts for the religion Christianity

came very close to the Christian religion and his relationship

are huge in numbers, especially during his time in the

to spirituality and Christianity increased to much higher levels.

Republic of Ireland. People from the Christian dominated

After completion of his training St. Patrick wanted to return to

countries highly regard him and his contributions for the most

Ireland and his aim was to convert the native pagans towards

followed religion of the world.

the glorious religion Christianity. A religion whose prophet is Jesus Christ and Christianity is highly enriched with the

A BRIEF HISTORY OF THE DAY:

teachings of Jesus and the revelations in Bible. After a period

It is generally known and accepted universally that St. Patrick

of just two years when Palladius was transferred to Scotland,

was born in Northern England or Southern Scotland and he

and St. Patrick was appointed the second bishop of Ireland.

was born to wealthy family around the 385 A.D. St. Patrick truly proved himself to be quiet adept at winning Only at the age of just 16, St. Patrick was taken prisoner after

converts to Christianity so much so that he upset the local

a band of raiders from Ireland has attacked his family’s estate

Celtic Druids. St. Patrick was also arrested on plenty of

in Wales. Later, he was taken back to Ireland, a place where

occasions but fortunately was able to escape every time. St.

MBE BUSINESS MAGAZINE MARCH 2022

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

Patrick also was able to set up Churches and schools as part

followed as an observance and remembrances of the

of his improving efforts for the beautiful religion Christianity.

teachings of Christ, while remembering St. Patrick, as the

All these were foundations for the whole Ireland to convert

patron Saint of Ireland.

eventually to Christianity. After a period of thirty years during which his missionary works continued in the whole of Ireland

On this day, the public transportation in Canada doesn’t follow

St. Patrick died on 17th March 461 A.D.

their usual routes and it works on reduced hours and in some places on a Sunday timetable. Canada is a pre-dominantly

OBSERVANCE OF ST. PATRICK’S DAY IN THE MODERN WORLD:

Christian country and St. Patrick’s Day is given the regarded prestige in almost all the provinces & territories of Canada.

In today’s modern world St. Patrick’s Day is a highly regarded recognizes Irish heritage and is celebrated from people from

SOME MYTHS & FACTS ASSOCIATED WITH THE ST. PATRICK’S DAY:

all backgrounds, but with something common in them, i.e.

There are many myths and facts associated with the St.

Christianity. Celebrated with huge sentiments for the religion

Patrick’s Day which is a huge celebration in the Christian

in countries such as United States, United Kingdom, Canada

dominated countries. The color blue was originally associated

and Australia. Also, celebrated with the same passion in other

with the St. Patrick’s Day, however, its Green which is now

parts of the Christian world i.e. countries like Italy, Spain,

favored as the color of St. Patrick’s Day. It is indeed the

Russia and Singapore.

traditional day for the plantation of peas even if its snow, and

day for Christians from all parts of the world. It is a day that

there are stories associated with this tradition. Apart from the

ST. PATRICK’S DAY IN CANADA:

peas being planted Cabbage seeds are also often planted too

The prestigious St. Patrick’s Day is given the status of a

on the same day while the old-time farmers have a supersti-

public holiday in the province of New Foundland and Labra-

tious believe that they need to be grown up well & one needs

dor according to the list of holidays in 2022. The celebration

to plant them while wearing their night time clothing.

of the day falls on the 17th of March every year while all the

As part of the celebrations and the traditional acts, first St.

businesses, the retail stores and shops and schools and

Patrick’s Day parade in the American colonies was held in

Universities and all other public education bodies are closed

New York City on this day in the year 1762.

in these provinces only. In the rest of Canada it is just W W W. M B E F O RYOU. C O M

MBE BUSINESS MAGAZINE MARCH 2022

horoscopes

march 2022 Pisces General

Career

Pisces Horoscope 2022 by AstroSage predicts a year that is

As per Pisces career horoscope 2022, the natives who are

full of ups and downs as they may have to face some

graduates or seeking a job may get a job this year, and

obstacles and problems at the beginning of the year. By the

people who are already working might encounter some

grace of God and then luck will favor you, and this will

challenges in the work area. It is advised to avoid any kind

change to good fortune after the month of April. Jupiter

of harsh or aggressive behavior at the workplace. Else, you

transit will be the primary source of inspiration and change

might have to face the consequences of losing your job. You

this year. This year is going to be very important for you as

can expect a transfer this year and if you want to change

there will be progress in your job and business. You will also

your career in 2022 do proper research work about the new

be getting benefited from your children this year. You will be

company.

positive in many matters, and you will have an excellent relationship with your relatives. Your expenses would be high

Finance

on family needs, and you will inspire your children to move

As for Pisces finance horoscope 2022, the beginning of the

ahead in their lives. The beginning of the year will work by

year will be good for you on the economic front. In the

bringing new targets, and you will have to achieve the

middle of the year, you will have to pay attention to your

targets, the seniors will remain happy with you. This year

financial arrangements because your tax liability may

your health will be good as no significant problems are

increase with your increase in income. Plans related to

predicted. Despite this, you need to be careful. This year you

investments will be very useful for you. If any legal matter is

will dedicate yourself to enhance your lifestyle, and you may

going on related to then, there is the probability of judgment

also plan for buying any vehicle or home.

in your favor. In the second part of the year you will be getting success and your financial conditions will be much

MBE BUSINESS MAGAZINE MARCH 2022

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

better. This year will also be very important for your luck in the

and other obligations, you will not have enough time to spend

future.

with your family, and this can make it difficult to get along with some of your family members, and you may also neglect your

Health

children this time. If you do have children, take time to

As per Pisces health horoscope 2022, this year will bring

encourage them to work hard in school, and this can help to

average results for the natives of your zodiac sign. As this

make their year so much better. The newly married couple

year you may have to face some health issues. Chances of

face some stress this year in their family life. For your second

any major health issue for Pisces natives are very low. Minor

child, this year is a good time for them to get married. Second

issues regarding digestion, liver, viral infection, et cetera may

child parents will have good luck in relationships this year.

occur. It is advised to have good food habits and a good lifestyle which will help you to get rid of all the health issues

Advice

this year. This year you may also face some mental stress,

Chanting the Vishnu Sahasranama mantra will be beneficial.

and you have to put in extra effort to be calm and patient.

Distribute a yellow sweet among needy children on Thursdays.

Love/Marriage/Personal Relations As per Pisces love horoscope 2022, the natives can expect

Offer water to the Sun during sunrise every day.

happiness and fulfillment in their love life in 2022. If you are in

Apply yellow sandalwood daily on your forehead.

a committed relationship, there might be some sort of

Take a shower by adding turmeric powder to the water.

misunderstanding between you and your partner; hence it is advised not to indulge in any unnecessary argument or fight and leave the situation with patience. In the second half of the year, things will get better, and you will see your partner standing with you in all the problems.

Family & Friends As per Pisces family horoscope 2022, family life will be moderately stressful in the year 2022. Because of hard work

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

MBE BUSINESS MAGAZINE MARCH 2022

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

MBE BUSINESS MAGAZINE MARCH 2022

Address: 104-100 Dynamic Drive,Toronto, ON M1V 5C4 Tel: 1-866-677-1377 | Fax: 1-866-204-6888 E-mail: info@mbeforyou.com

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

Rebirth & Recovery Of Restaurants In A Post-pandemic World In Canada

DMM DEPARTMENT MB Enterprises

The pandemic COVID-19 is still evident in many countries

that food and restaurant industry in Canada has maintained

and many parts of the country Canada. This is also evident in

strict standards to make a fast recovery or a comeback. It’s

the hospitality sector & food industry which saw a shut down

indeed a good news that Canada is in the transition phase,

and lock down of restaurant & hotel industry in Canada.

and the phase although was slow but was highly effective.

Although, the food industry these days is not dependent just

The opening up process took place at the end of 2021,

on the restaurant but also takeaway sector as well. The

however, with strict precautionary measures and safety

business was more relying on deliveries and takeaways

instructions by Health Canada and WHO. These are two

rather than people coming in the restaurant and dining in

global and national level organizations that have worked

while enjoying the ambience and comforts of the restaurant

together for the sake of safety of the Canadian people.

industry in Canada. It’s a scenario that was seen globally as since the start of the

CUSTOMERS ARE MORE READY TO RETURN TO IN-PERSON DINING:

pandemic something was made a necessity and that is

The customers in Canada who always loved to visit the

following strict SOPs i.e. standards operating procedures.

restaurant before the pandemic are craving the opportunity to

These are consistent health & safety procedures according to

return to table-service restaurants. Also, to experience

the guidelines that have considerably helped Canada recover

in-person dining to experience again the moments and the

from the setbacks of COVID-19. In fact, according to the

memories that they enjoyed pre-pandemic. A huge 92% of

numbers and stats it’s the hardest hit industry that is now

the customers from different ethnic backgrounds said that

more ready to transition from survival to revival. As they say,

restaurants are a huge part of their social life and a massive

it’s the survival of the fittest, therefore, we are rest assured

part of their communities. As an example, someone from the

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

MBE BUSINESS MAGAZINE MARCH 2022

Asian community emphasized the role of restaurant in their

chefs, managers, and other crew members from the restau-

community upbringing and promoting social values in

rant industry who survive on daily wages on the restaurant

Canada. Naturally, as Canada is a huge country and there

business in Canada. It is especially a huge survival industry

are people in Canada from many different backgrounds.

for people coming to Canada for studies and as immigrants, while working part-time in restaurants and take-away.

There are people who have shared their views and said that

Naturally, they are dependent on jobs in the industry not only

takeout and delivery will continue to be offered by restaurants.

for their daily survival and bills, but also for paying university

Especially, for those that had to pivot quickly to offer the

fees and maintaining their day-to-day life in a rich & expen-

service during the pandemic in order to meet new demands.

sive country like Canada.

Trends in the restaurant industry have also shown that the delivery rates will stay the same post-pandemic as during the

It is also a fact that the Pandemic has dented the Canadian

pandemic for the sake of meeting new demands. As a matter

economy very badly as well as the food industry & tourism

of fact and demographic-based market research the differenc-

values. The Canada’s tourism revenues that also have a

es in delivery can be seen across the age groups.

dependability on restaurant industry are projected not to return to their pre-pandemic levels until 2025. Surprisingly,

The survey showed that almost 52% of people between the

the foodservice spending by the Int. tourists dropped a

ranges of ages from 18-34 year olds will order the delivery

massive 93% from April to December 2020. At the same time,

less post-pandemic as compared to during the pandemic.

and in the same period the domestic tourists spending

Hence, this age group is the most eager age groups that want

dropped to 35%. The reasons for both declines is clearly the

to return to in-person dining. Thus, the restaurant industry is

pandemic which is indeed the cause of many declines in

more focused towards the youth, i.e. people around 18-34

restaurant industry and tourism sector. Both the sectors have

who intend to get back to normal dining standards and

international as well as domestic dependencies that change

procedures as soon as possible.

every year according to the people coming to Canada for

RESTAURANT INDUSTRY IS A SOURCE OF EMPLOYMENT FOR MANY PEOPLE:

Tourism.

A huge percentage of Canadians, i.e. 95% believe that restaurant industry should get back to normal soon as they are a massive source of employment for many Canadians. These includes chefs, bar-tenders, waiters, cooks, assistant

MBE BUSINESS MAGAZINE MARCH 2022

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

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

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”

“Area management features”

global@mbeforyou.com

100

PERSONAL ACCOUNTING

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

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 MARCH 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

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

MBE BUSINESS MAGAZINE MARCH 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

MBE BUSINESS MAGAZINE MARCH 2022

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

CANADA’S TOP AUTO INSURANCE COMPANIES & THEIR GROWING ROLES DMM DEPARTMENT MB Enterprises

The Canada’s top insurance compa-

one of the most important one is

customer service, four star for prices

nies are playing a vital role every day

Customer Service.

and three stars for financial strength.

for hundreds of people coming on

Here are some of Canada’s top

A company with over 6,000 employ-

roads of Canada. Especially, for new

insurance company providers that

ees is a multi-line insurance and

drivers and young people, the auto

have impacted the Canadian econo-

financial services co-operative that

assurance industry is one of the

my with some brilliant performances

boasts almost $50 billion in assets

biggest advantage & a necessity. This

& economical pricing strategies.

under administration.

owning a car exposes you to a host

1. THE CO-OPERATORS:

2. AVIVA:

of financial risks. With car insurance

Carsurance clearly and most

Aviva Canada is a subsidiary of the

from a suitable company you can

importantly marked Co-operators

UK-based insurance company Aviva

lessen the chances of facing the

group Limited as a clear winner

Plc. Having a diversified presence in

financial problems. Primarily, as it can

amongst the many car insurance

United Kingdom, Aviva Canada is

cover the damages to your car and

companies in Canada. A huge reason

growing fast in Canada because of

other circumstances in which you will

is that it performs exceptionally in

some inspirational leadership and

be liable to pay the medical expenses

certain key areas, and decent

standards that are boarded and

and other bills.

enough in many areas and hardly

exported from UK in the insurance

is a fact not only in Canada that

have a grey area. As far as the rating

sector. The company’s rating in the

The most vital aspect is choosing the

in the insurance industry is

insurance sector in Canada is not

right insurance company provider and

concerned, Co-operators has

that bad either, considering it’s a UK

basically it should be much more

emerged as most reliable and highly

based company and enjoys in

than the price alone. There are

rated. It received an overall rating of

Canada an overall rating of four stars.

certain other key factors as well and

five stars for the most key area, i.e.

The most rating that the company

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

MBE BUSINESS MAGAZINE MARCH 2022

has achieved is in the pricing category, i.e. five star rating.

4. SONNET:

Apart from this, four stars for financial strength and discounts

Sonnet Insurance Company is Canada’s fully online

and optional coverages, and two stars for customer service.

insurance company with a fast quoting tool, plain-language

The customer service segments needs a massive room for

policies and a useful website that contains useful guidelines

improvement and Aviva Canada is working day and night to

and studies. The mandatory insurance coverage that

improve their customer satisfaction aspects.

includes are liability insurance, accident benefits, comprehen-

For ride-sharing companies Aviva is the perfect option for

sive cover and collisions. It also includes optional auto

Lyft drivers as the company was in partnership with Lyft

insurance coverage for drivers in Canada which includes

Canada for offering ride-sharing insurance for the drivers as

accident forgiveness, ticket forgiveness, rental extension

well as the passengers for using the Lyft ride-sharing

bundle, and a vroom service bundle. As far as the ratings are

services only in Ontario region.

concerned they are not lagging behind in any way with an

3. INTACT INSURANCE:

overall rating of four stars. Five stars for discounts and optional coverages, four for customer service, three for

Intact financial corporation is the insurance company that

financial strength and two stars for prices. One of the best

ranked third with an overall rating of four stars. The company

companies for those who want to purchase insurance from

at the same time gained five stars for financial strength, four

home, i.e. online, due to the online tools.

stars for prices and discounts as well as optional coverages and finally three stars for customer service. The customer

5. BELADIRECT:

service needs a massive room for improvement and Intact

Beladirect, the company that made it in the Top five with an

insurance can show that improvement in few years’ time.

overall ranking of four stars. It is considered by Carsurance

Apart from being the third in rank in Canada, it is the largest

as perfect for Uber drivers the biggest ride-sharing company

providers of P&C insurance in Canada & specialty insurance

in the world and in Canada. Also, the most suitable for those

in North America. The company is large with 13,000 employ-

drivers who are car owners with low mileage. The company is

ees who are always in support over 5 million clients in

not that behind in Customer service ratings, i.e. four stars.

Canada & USA. Figures speaks volumes for themselves

While, for financial strength it has scored a good enough five

especially in the vehicle insurance industry. Intact Insurance

stars rating. In the prices, discounts and optional coverages it

vehicle assurance line not only offers coverage for cars, but

has scored four stars as well which shows the company is

also for motorcycles, RVs, ATVs and snowmobiles and boats.

maintaining a vital position in Canada.

MBE BUSINESS MAGAZINE MARCH 2022

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

CROSSWORD PUZZLE

Highway Habitats

ACROSS 1 Can of worms? 5 Native New Zealander 10 Tennis do-overs 14 Lyndon and Ladybird’s youngest 15 Like a rainbow 16 Mrs. Vistor Laszlo 17 Upper: Ger. 18 *Place for pumps (2 wds,) 20 Power failures 22 Flight coordinators: Abbr. 23 Early infact: Var. 24 *Important person, slangily (2 wds,) 29 Old fashioned kind of mail 30 “Gnarly!” 31 Porcine grunts 32 Guided 35 H.S. diploma alternative 36 Old term for mobile homes... or a hint to something that both parts of the answers to the asterisked clues may have (2 wds.) 40 “So______ me!” 41 Late Leslie of “Airplane!” and the “Naked Gun” series 42 New York city 45 Some windows systems 46 A musketeer 50 *It beats a standard flush-but loses to 4 of a kind 52 Little one 53 Detroit-based labor org. 54 Floral ornament 55 *A cow or chicken, most commonly (2 wds.) 60 “Zip-______- Doo-Dah” 61 P.D.Q. cousin 62 Muse of love poetry 63 Potential prince? 64 “Wide Sargasso Sea” author 65 Demolishes 66 Army E-5s Down 1 Some singles 2 The Tigers of the Southeastern Conference 3 *Summer beverage favorite (2 wds.) 4 Cannoli alternative

5 “Dirty Dingus_______” (1970 western spoof with Sinatra in the title role) 6 One-time coach Parseghian et al. 7 Training site for mil. commissions 8 Hi______ monitor 9 Conference pinor clip-on (2 wds.) 10 Chinese nut 11 Quarterback Manning 12 General on Chinese menus 13 ________ Miguel 19 Part of Lawrence Welk’s intro 21 Gold coatings 24 Pink Floyd founder-member Syd 25 Worthy principles 26 M.I.T. grad: Abbr.

27 Barely gets, with “out” 28 Supposed drug of choice for 24 Down 30 One may be scanned as a security measure 33 Cant finish? 34 Run down on the street 36 Certain Rwandan 37 Eye, at the Eiffel Tower 38 Bounds partner 39 Beseeches 40 “er” or “ing”, e.g.: Abbr. 43 Compact masses, as of mud or clay 44 Simple rhyme scheme 47 *Ballpark snack

48 Competitors in Nathan’s annual contest try to do it to one another 49 War horses 51 Title holder 52 Goes it alone 54 Have status 55 Distant 56 ______ Wednesday 57 Sci-fi killer 58 Bank offering, for short 59 1960 Pirates hero, familiarly

See previous issue answers on page # 21 W W W. M B E F O RYOU. C O M

MBE BUSINESS MAGAZINE MARCH 2022

DESTINATION

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

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

Looking for your next adventure?

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

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

CALL US +1 416-926-8250

Saba Travel in business since 1984.