HAPPY CANADA DAY 2022 | MBE BUSINESS MAGAZINE by MBE BUSINESS MAGAZINE

ISSUE 79 | JULY 2022

THIS MONTH FOCUSING ON Vital Significance Attached With ATM Monitoring & Management Systems

The Various Types Of Life Insurance In Canada

The Ontario General Election 2022

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Benefits Of Using A Restaurant POS Software

Vital Significance Attached

How Well Can You Discipline

The Various Types Of Life Insurance In Canada Explained - ‘Preferences That Suits...

Mortgage Rates In Canada & Predictions For The Real Estate

‘The Canada Day’- 1st July 2022’ A Celebra-

Crisis Management & How To Stay

The Government Of Canada Pledges $70 Million For The Sake Of Encouraging...

Netflix Thought Too Big,

Carbonated Drinks & Their Harmful Effects

IBM Betting Its Found The Hybrid Office Of The Future

Employee Rewards & Recognitions & Its

Top Attractions In Alberta

Event calendar

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

Cool & Calm In A Panic Situation

Too Fast

In Your Restaurant – ‘An Added Advantage’

With ATM Monitoring & Management Systems

tion Of United & Independent Canada’

Due To Over Consumption

Importance In The Modern Work Cultures

‘A Must Watch For The Tourists’

July 2022

Significance Attached To Canadian Endangered Species Act For Species Of Canada

The Ontario General Election 2022

What Do You Need To Know About Life In Canada As An International Student?

EDITOR'S LETTER Dear Readers, July is here with the 79th edition of MBE Business Magazine. In July, Canadians celebrate Canada Day on July 1st. The holiday was established by statute in 1879, under the name Dominion Day. On October 27th 1982, July 1st which was known as "Dominion Day" became "Canada Day". Canada Day has turned into a true independence party with fireworks, parades, picnics, and barbecues. Canada Day is many things to many people, including a great excuse to declare one's love for all things beer. You are also likely to hear the national anthem, O Canada, being sung during the day by many people, regardless of their levels of musical ability. In this issue, How well can you discipline your day & align your Day-To-Day Tasks? by Mr. Mansoor Naqvi. Mortgage rates in Canada & predictions for the real estate by Mr. Mahmood Naqvi. Crisis management & how to stay cool & calm in a panic situation by Mr. Alamdar Hussain. You will find this issue just as interesting and informative as before. Our team has worked tirelessly to bring this issue to you on our digital and social media platforms. We have also launched our magazine website as well enabling us to reach the maximum number of people via electronic media. Your feedback is highly valuable to us. If you have suggestions or comments, feel free to call us at 1-866-667-1377 or email us at info@mbeforyou.com to tell us what you think about this issue. For ad placements and marketing related queries, please email us at digitalmedia@mbeforyou.com Thank you, Aurora Zabala, Editor In Chief.

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

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

SYED MANSOOR NAQVI PRESIDENT MBE

Following your commitments and spending a disciplined day

the finishing touches that must satisfy the concerned people.

are the key things to follow in your corporate life. All your day

The quality assurance you have met to complete your tasks

tasks must be aligned in your mind as well as on paper, in

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

order to plan your targets properly. You should evaluate how

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

much time you should be spending on your tasks and what

idea of how well you can trace your work.

are the resources and links you need for your task to take place smoothly. Your prime objective mustn’t be just to

HANDLING PENDING TASKS IN THE PIPELINE:

complete the tasks, but also to make sure that the tasks

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

objectives are attained. Apart from this, the quality of the

for tomorrow or next week for instance. A justified reason

project or task is par your satisfaction levels. Ironically, in

should always be supported with proper evidence that should

simple words you have attained all the prime objectives of

be good enough for future referencing. Handling the tasks in

your tasks that are top priority in your mind.

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

START MAKING PRIORITIES:

seen positively if you know the best handling of a situation or

One of the key business strategy apart from achieving your

a pending task.

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

Little issues can become bigger ones if they are ignored,

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

especially in the initial stages. However, some genuine

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

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

lagging behind?" Discipline helps and ignites in you a

carried forward with due commitment necessary to finally

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

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

habit of frequently questioning yourself.

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

HOW WELL CAN YOU TRACE YOUR WORK?

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

Tracing your work with an aligned strategy means business

penalties that are associated with the mishandling of a task or

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

a situation.

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

MBE BUSINESS MAGAZINE JULY 2022

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

WORK IN PROGRESS:

Alternatively, the Dos are the things that need to be achieved

Work In-Progress is a common term that is most commonly

with strict discipline, timing and perfect finishing of your tasks.

used in the construction industry. Why Work in-Progress holds

Prioritize your Dos more intellectually and practically to have

high level values for engineers or for people related to the

a better understanding of your tasks in terms of the delivera-

project is mainly due to the commitments they need showing

bles.

until the Work is in progress. Success is always achieved once your work in-progress transforms towards the next

Success is ultimately achieved if you can acknowledge your

stage, i.e. Work completed. It’s the transition phase that

work with sheer responsibility on the same day or you have a

needs high level commitments & monitoring according to the

valid reason why it is still pending?

length of the project.

KNOW YOUR DOS & DON'TS: Success can become a habit, naturally if you know your dos and your don’ts. These are the two primary things that help you complete your tasks as you planned or on the same date. The Don’ts simply means what are the key things that you need to stay away from which can easily cause a hindrance in your tasks. This simply means things that can hurt the task in short-term or long-term, for e.g. Conflicts arising due to miss-communication. Hence, the best way is to create satisfactory and transparent communication lines with all the concerned stakeholders.

MBE BUSINESS MAGAZINE JULY 2022

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

Mortgage Rates In Canada & Predictions For The Real Estate SYED MAHMOOD NAQVI Vice President | MB Enterprises

Mortgage is a big part of the Canadi-

The prime rate for the mortgage

the buyer’s market will be in a far

an markets & it’s the prime rate that

industry in Canada continues to rise.

stable state.

continues to rule the mortgage

Hence, due to this behavior the

markets in Canada. This is true for all

buyer’s market shall be improved

However, this is with more profession-

provinces in Canada as the fluctua-

which means the house prices are

al planning in the future. The people

tions in the rates has been noticed. It

going down, which is a positive news

shall be building a decent equity.

has got massive amount of dependen-

for the buyers.

Eventually, one way or the other

cies over the Real Estate sector,

people shall get the real benefits of

which is booming on every passing

The return after selling in the Canadi-

day. Mortgage, being a huge part of

an housing markets is 20% less. This

the North American markets, is also a

is according to the predictions for the

Why trends matter so much in the

massive contributor to the Canadian

upcoming two months. To be more

Canadian mortgage & housing

economy. Yes, it is indeed a fact, the

clear, regards to the predictions for the

markets owes plenty to the political

Canadian economy lies heavily on the

selling, it will show 10-15 %

aspects, i.e. the county risks.

mortgage industry in Canada.

downwards slope. This is indeed

the Real Estate markets.

another reason why in next six months W W W. M B E F O RYOU. C O M

MBE BUSINESS MAGAZINE JULY 2022

WHY EQUITY MATTERS FOR PEOPLE IN THE REAL ESTATE?

HOW PROFESSIONAL PLANNING HELPS REGARDS TO THE GUIDANCE?

Similarly, at the same time a decrease

Building equity matters for people in

While signifying the importance of

variable rate mortgage cheaper than a

the Real Estate markets as they need

professional planning in real estate,

similar fixed rate mortgage. Thus, it’s

to invest in real estate for the sake of

it’s important to realize the mandatory

the prime rate which really counts for

profitability levels that are on high

requirements of good planning. It’s not

future decision making of people

side. Practically, there is no point to

about setting up a business and going

regards to getting a property on

invest in real estate if you are on a

with the flow. It is something that

mortgage.

break-even, and you are building

relates to proper planning before

equity that is almost nil. In fact,

making investment. The trends

END OF THE YEAR PREDICTIONS:

thinking & investing for the sake of

associated with the real estate

Have no assumptions regards to the

building equity should be the goal of

markets according to the buyer

predictions in the buyer’s markets as

the people interested in buyer’s

markets & seller’s market is mandato-

in next six months, the buyer’s market

markets.

ry to be identified as they need to be

will be far better than what they are

analyzed for best results.

currently. This has definitely a lot to do

REAPING BENEFITS OF REAL ESTATE MARKETS:

with regards to the pricings in the housing markets that are expected to

For the betterment of people in the

USE OF PRIME RATES FOR FUTURE DECISION MAKING:

upcoming months during the rest of

It’s very useful to have a decent

massive reduction, but for the people

the year, the people of Canada will

understanding of the prime rates for

it’s really an optimistic news.

reap the benefits of Real Estate

the sake of future decision making in

markets. As far as the mortgage rates

mortgages. Thus, if you plan to

Trends in the mortgage industry are a

are concerned, there is nothing wild,

consider a variable mortgage rate in

shadow of the future, which is what’s

despite the recent unpredictable

future, you must definitely know how

coming up in the housing & mortgage

circumstances. However, optimistically

the prime rate affects your potential

sector in Canada. An economy that is

the market behaviors speaks volumes

mortgage rates. The relationship is

heavily reliant on mortgage markets

for themselves. Therefore, one way or

mathematical & having a good

as people, especially first-time buyers

the other the people will enjoy the

understanding is always useful before

prefer to buy property on mortgage.

benefits.

you have your own sweet home.

It’s an industry linked with the real

go down by 10-15% variable. It’s a

estate & has many factors that are

‘This is how the cookie crumbles’,

in the prime rate could make a

however, for the people they are more

With an increase in ‘PR’, or prime

dependent on the real estate in

concerned for the benefits in the Real

rate, could make a variable mortgage

Canada. In simple words, you can’t

Estate.

rate far more expensive as compared

imagine the Canadian Real Estate

with a similar fixed mortgage rate.

without the mortgage sector.

MBE BUSINESS MAGAZINE JULY 2022

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

Crisis Management & How To Stay Cool & Calm In A Panic Situation SYED ALAMDAR HUSSAIN Country Head - MB Enterprises

‘Crisis management’ a management

Part of the business intelligence in

study dedicated for the sake of

crisis management is handling a

STAYING CALM IN A PANIC SITUATION:

managing unwanted & undesirable

difficult situation differently, i.e. more

Staying calm in a panic situation is

circumstances needs special attention

strategically & more calmly. As an

one of the most vital elements for a

in critical times. Staying calm in a

entrepreneur you need to handle the

business man. The entrepreneur in

panic situation is an act of the most

resources which might be financial

the hot seat must always be aware of

desirable businesses as business

resources or human resources

how to handle such a situation which

circumstances can change rapidly on

according to the circumstances that

can result in the ignition of a panic

a daily basis. Handling such a

are there in front of you. This situation

alarm. In most cases it should be

situation demands experience,

can be a financial crisis or a credit

religion to devise alternate strategies

enriched abilities & best handling of a

crunch, economic turmoil or a

to handle an unwanted panic situation

worst case scenario. However, it’s

pandemic situation that exists or

with deep consciousness. It’s not just

better to evaluate initially what a worst

arises all of a sudden. Making an

about being aware, it’s about being

case scenario can lead to in the most

analysis of the situation & later

cool, calm & collected in such a

undesirable & panic situations.

devising a strategy will always yield

situation. The best strategy is to avoid

better results or alternatively a better

taking a business decision in a rather

recovery.

rapid time frame. Most entrepreneurs

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

MBE BUSINESS MAGAZINE JULY 2022

stick to their decisions, however, it’s the decision making that

ing difficult scenarios with positive thinking. You just need to

counts forward.

highlight & make a better situation analysis than what you and your peers have done in the past. Just because it’s an

MANAGING CRISIS WITH AN ACT OF EFFICIENCY:

unexpected situation, it doesn’t gives you the leverage to take

Managing crisis with an act of efficiency in such a scenario

business decisions for granted.

can be difficult, however, if the problem is resolved with commitment it can be an act of efficiency automatically. Being

HANDLING SITUATIONS WITH A POSITIVE MIND FRAME:

efficient is something that should be done as a proactive

You are already encountering a negative situation that’s why

approach, however, while being reactive crisis management

it’s important that you have a positive mind frame. The

can be handled with a different angle.

business strategy that you should adopt to avoid a crisis situation must hold a positive paradigm instead of a negative

STAY ALERT TO BE AWARE OF UNWANTED SCENARIOS:

one. Just for a simple reason, because you are already under

Being aware of unwanted scenarios in advance needs a

the pressure of some negative circumstances.

better business sense. It takes something out of the ordinary to solve such a crisis scenario & be more into forecasting &

RISK ANALYSIS- WHY IT IS SO IMPORTANT?

predicting things with a closer vision. It’s not just about being

Making a risk analysis before making investments in any

aware, it’s about having proper knowledge of the Dos &

business, or a real estate investment is the best way to

Don’ts & how situations can turn into panic alarms. A better

handle a crisis situation. A risk analysis always is the best

analysis is always an ingredient of far more safer results.

way to identify the levels of risks that can arise due to certain situations & what are the best ways to handle them.

HOW TO OVERCOME THE IMACTS OF A WEAK SITUATION: Overcoming the impacts of a weak situation needs evaluation

For example in a pandemic situation, the risk analysis has

for the future time frame. For a visionary or an experienced

been able to play a vital role for the entrepreneurs to make

leader or an entrepreneur, it’s a piece of cake. However, for a

sure that their businesses stay on the right track. Further-

simple businessman it can be something that needs special

more, the business, if it’s undergoing a bad patch must

analysis of recovery time. Just like a patient needs to recover

always have the ingredients to fight back as fast as it can.

back to his/her original health condition, its best to stick with

This is known in business terms as ‘business sustainability’,

your regular medical prescriptions. The impacts of a weak

which is the initial thing that an entrepreneur needs to work

situation can be damaging in future, however, encountering

on.

the impacts smartly is the need of the hour. Time and tide waits for no one. That's why it’s preferable to How to handle a pandemic situation in the future? A question

make a desirable risk analysis of a situation than can arise

that you must ask yourself as a business leader. The best

due to some unpredictable circumstances at the best

answer is via an experience of the past scenarios & overcom-

possible time.

MBE BUSINESS MAGAZINE JULY 2022

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

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NETFLIX THOUGHT TOO BIG, TOO FAST NAVNEET ALANG

Do you share a Netflix account with

from an all-time high of $700 to now

too much content and not enough of

someone close to you? Oh, you do?

just hovering at under $200.

it is good.

In that case, the $200 billion collapse

Now, I personally would never say,

of Netflix’s market cap is your fault.

pay for a Netflix account and then let

When Netflix first emerged, its appeal

At least that’s what Netflix CEO Reed

my parents and siblings also use it at

was obvious. At eight dollars a

Hastings tried to imply recently when

their homes. Heaven forbid!

month, it was cheap and it had a

the company announced it has

But even if one were to do such a

good stable of old TV shows and

dropped 200,000 users – the first

heinous thing as share a password

movies with which one could watch

time it has lost subscribers in a

for an increasingly lackluster service,

while passing the time at home. The

decade.

it doesn’t explain why Netflix has

app itself was also fast and

fallen so far and so fast.

seamless, making it a no brainer for

Hastings said that, along with the war

most people.

in Ukraine, it was password sharing

To the contrary, beyond passwords,

that accounted for Netflix’s woes. As

the problem with Netflix is that is has

But as the media world began to shift

a company that seemed forever on

spread itself too wide and too thin –

to streaming enmasse, Netflix had to

the way up suddenly seemed

all the while failing to tackle the

defend its turf. It took on scads of

vulnerable. The stock tumbled down

problem it created itself: there’s just

debt to pour $15 billion into original

MBE BUSINESS MAGAZINE JULY 2022

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

content. Netflix went from convenient service to a machine

So now Netflix has competition, few hits among a mass of

designed to throw series and movies at the wall in the hopes

lacklustre content, and has lost its progressive forward

something would stick.

looking sheen – but is also now more expensive. While it

Some of the content was good – “Sex Education” and the

started out as a great deal, you are now seeing up to $25 a

first season of “Stranger Things” comes to mind but much of

month on your credit card bill. With people looking to cut

it was merely filler. Now, Netflix is full of content and it often

costs in a period of rising inflation, it’s clear why Netflix

feels like there is little one actually wants to watch. Though it

began to lose subscribers.

has had some buzzy reality shows like “Selling Sunset” and breakout hits like “Squid Game,” the simple problem is that

What then is the company supposed to do?

it’s getting harder to justify paying for a Netflix subscription.

First, it has to acknowledge that it can’t compete with Disney head-on in terms of a back catalogue. That means focusing

The elephant in the room is, of course, Disney. Its streaming

on high quality, grown up material that Disney itself won’t

service has already amassed over 130 million users on the

touch.

strength of an enormous back catalogue of Disney classics, “Star Wars” movies and series, not to mention the enormous

Second, the binging on debt to try and somehow land on a

pull of the Marvel franchise.

binge worthy show has to be pared back. Netflix produced too much content too quickly and quality has clearly suffered.

Meanwhile in Canada, Bell’s Crave service has the draw of

It needs to focus, particularly on finding halo shows that

both HBO and Showtime’s catalogue and that sort of halo

please viewers and critics alike.

television is something that Netflix has by and large not been able to replicate.

Finally, the company must find a balance between its balance sheet and the value proposition it offers consumers.

If that weren’t enough, Netflix has also run into some PR

While a cheaper, ad supported plan is on the way, the

troubles. When controversy erupted over transphobia on

pushback to price hikes clearly shows Netflix misjudged how

Dave Chapelle’s specials on the platform, Netflix’s reaction –

much people are willing to pay.

which was basically, “If you don’t like it, lump it” – was less than stellar. And now that it is suffering financial headwinds,

The simple fact is that it’s not password sharing that is the

it is also cutting staff and made the strange decision to slash

cause of the company’s woes. It’s that it has been badly

those parts of the company most made up of marginalized

mismanaged and squandered its early lead. And rather than

folks.

blaming its own users, Netflix’s leadership need only look in a mirror to see the cause of its decline.

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

MBE BUSINESS MAGAZINE JULY 2022

IBM BETTING ITS FOUND THE HYBRID OFFICE OF THE FUTURE

ALEX CYR

Flexibility top of mind for new downtown work space

The new workspace is designed for

adjustable and the furniture

the new era of the hybrid workforce: a

lightweight and easy to rearrange.

At IBM’s new headquarters in

balance of working from home with

The office spaces are so flexible they

downtown Toronto, the private office

returning to the office. The goal is to

can be adjusted to suit the varying

has fallen out of favour. In fact in the

rebuild a work culture that the

groups and staff members at the

entire 63,000 sq. foot space, only

company feels can only truly be

office.

three remain. One belongs to IBM

realized with some level of in-person

Canada president Dave McCann, but

interaction.

“We don’t have back to work

he’s not picky about who uses it.

mandates,” said Charbel Safadi, a

“Mine doesn’t have a lock, it’s used

senior partner at IBM who is oversee-

every day by whoever feels like it

“You need the best of in office and

ing the office transformation. “We ask

when I’m not here,” he said.

out of office. You want employees to

our employees to come in with a

experience the true end to end

purpose, come to the office when it

One of McCann’s first missions since

spectrum of what hybrid means,”

makes sense.”

he became president in January after

McCann said. Flexibility was top of mind when

13 years with the company has been to facilitate the consolidation of IBM’s

Occupying the seventh and eighth

architecture and design firm Gensler,

four downtown offices into one

storeys at 16 York St., the areas were

came up with the plans for this new

headquarters in the heart of the city’s

designed to be nearly identical. But

age hybrid work space.

financial district.

the walls are movable, work stations

MBE BUSINESS MAGAZINE JULY 2022

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

The goal was to design a space with various attractive work

IBM Toronto’s previous four office setup made it challenging

stations that encourage IBMers to come to work every day,

at times for the technology, consulting, communications and

said Aileen Holland, Gensler’s Toronto studio director.

marketing teams to collaborate and interact, said Safadi.

So it has client facing breakout spaces, social areas with

When IBM shutdown for the pandemic in March 2020, the

pool tables and café style working booths, not to mention the

company took it as an opportunity to bring staff together at

views of Lake Ontario and a proximity to transit hubs all to

one location. As remote work took over, it became clear to

encourage workers to come I for a comfortable day at the

Safadi and his team that some of those collaborations would

office. Its finishing touches – adjustable tables and desks,

have to happen through the office’s many screens and

breastfeeding and changing room areas, and meditation and

monitors.

prayer spaces – make the workspace more practical and welcoming than previous arrangements.

“We solved the problem of how we work in a collaborative fashion in a hybrid working environment,” said Safadi. “And

Holland’s challenge was to combine four offices into one

having that shared environment is a must. I think anybody

space while avoiding overcrowding – IBM employees from all

right now who doesn’t have the flexibility and collaboration

over the world can come use the office and clients often

tools built into their office is going to struggle and alienate

come in, to sometimes for weeks or months, to collaborate

their employees.”

with staff on various projects. Yet the office is bolstered with enough collaborative technolo-

To avoid congestion, most work stations – like the confer-

gy that employees won’t feel they are missing out when they

ence rooms – are shared and users must book a slot through

choose to work from a distance.

an in house online platform.

The conference rooms are designed for hybrid meetings,

The platform uses Io Technology to track those bookings and

lined with monitors acting as portals between workers in the

learn which kinds of work stations are most in use. Execu-

office and colleagues tuning in from home. Mural, a big

tives can then use that data to reconfigure the work spaces

screen smart board, facilitates real time collaboration

to best suit their employees.

between staff and clients, wherever they may be. It allows people in different locations to work on designs and visual

“We can constantly update the office based on the preferenc-

projects simultaneously, functioning like a bigger and more

es of whoever uses it,” said Sharon Shum, program manager

technical Google Doc.

of design and projects at IBM Canada.

“You need both the physical space and the virtual capabilities

“I think that’s something we’ve realized since all working from

to support the way your staff wants to live and work, and not

home in these least years: you work best where you are

mandate the way they do those things,” said Safadi.

comfortable.

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

MBE BUSINESS MAGAZINE JULY 2022

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Top Attractions In Alberta

‘A Must Watch For The Tourists’ DMM DEPARTMENT MB Enterprises

Alberta province of Canada is the sixth largest amongst all the 13 provinces & territories of Canada. The largest & most exciting cities being Calgary while the capital city of Alberta is

EDMONTON’S RIVER VALLEY: The Edmonton’s river valley is the largest stretch of urban parkland in North America. Realistically speaking it’s approxi-

Edmonton. Calgary the largest metropolitan city is a technologically advanced city with infrastructure that inspires many people coming to Canada. It is one of the most wanted tourism attractions for the people coming to visit the Alberta province & also for those who come to study in Edmonton & Calgary, the two most favorite cities for the international students. You can’t see Alberta’s hot tourism attractions on an emergency basis, however, you need to be at ease while discovering Alberta. A province which is home to many lakes, National Parks, and apart from the landscape beauty it has museums as well as the National Music Centre. Some exciting malls that will definitely make your shopping experience a valuable

mately 22 times the size of New York’s Central park, i.e.

one & one of the most cherished ones. Just like a jigsaw

almost 18,300 acres. The vast valley contains 22 major parks,

puzzle where you need to solve all the pieces together to

each of which is home to all the outdoor activities and green

complete the puzzle. Quiet similarly, Canada is an incomplete

space you would desire in one park. Not only it’s a great

land without Alberta province which makes Canada more

place for the outdoors, but holds elements of beauty that you

complete & distinguished than it could ever have been. The

would adore for a long time if you are a first time visitor. 160

rich values that Alberta province gives to its people truly

kms of pathways for your outdoors that includes jogging,

demonstrates the nature of the province which has all the

walking, cycling, snowshoe or ski. A great place for your

necessary ingredients to be one of the best places to live. A

relaxation with a blanket or a picnic in the park while you

diverse culture which makes Alberta province more valuable

enjoy the nature as much as you come closer to it. If you love

in terms of the living standards is a unique attribute of the

to have an enriching experience of being an escapist while

province. Let’s have a look at the most wanted tourism

being surrounded by nature, trust me Edmonton River’s

attractions of Alberta, a province that is worth the dream.

Valley is taking your good name.

The following are some of the most wanted tourism attractions;

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THE WEST EDMONTON MALL:

myths associated with the lake. A beautiful ecosystem that is

Another most wanted tourism attraction in the capital city of

dependent on many factors & living things which includes

Alberta is the West Edmonton Mall. Amazingly, it has got the

mountain goats, deer, elk, mule and bears. All looking for sustenance that is still found around the lake in this modern age as well. However, it’s a place that needs special supervision & guidance while taking the tour due to the wildlife concentration that can be dangerous.

ROYAL TYRRELL MUSEUM: While watching the Jurassic park you would realize the era of the Dinosaurs, did it really existed? Well, the Royal Tyrrell Museum is one of the answers to your question. It’s around 75 million years ago, the town of Drumheller, Alberta about an hour and a half north east of the biggest city Calgary, was a hotbed of dinosaur activity. Something, that lead to the creation of the Royal Tyrrell Museum of Paleontology due to a world’s largest amusement park, the largest indoor lake,

treasure trove of the dinosaur fossils. The museum is home to

largest indoor wave pool, a zoo and a skating rink. Apart from

one of the largest displays of the dinosaur skeletons in the

this over 800 shops, and 100 eating establishments. In fact, the mall is the biggest shopping mall in North America and practically of a size of a small town city. Taking a visit to the mall is a matter of a complete day while you shop around the lavish shops and browse along the park. Alternatively, fancy learning to ice skate, want to play mini-golf, ride a roller coaster or just shop the day away. In fact, even if you spend the whole weekend in the mall you would be thinking to discover more and more. All in all a truly worth visiting mall experience if you are a shopping frenzy individual.

LAKE MINNEWANKA: It’s the home of lakes, i.e. the Alberta Province & some of the most beautiful in the continent North America. Lake Minne-

world and over 160,000 individual specimens. It’s indeed a

wanka is the biggest lake in Banff National Park and is 28

great place to visit if you are a science lover or a passionate

meters long and would take an hour long boat cruise to view

researcher as well as if you are a fan of Jurassic Park.

the lake from all angles. Well, beyond its natural beauty, the lake is also rich in history as was named as the “Lake of the

Spirits” by the First Nations. These were people who lived along the shores some 10,000 years ago and there are many

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MBE BUSINESS MAGAZINE JULY 2022

JULY

EVENT 2022 CALENDAR 1 JUL

FRIDAY

Memorial Day

1 JUL

FRIDAY

Canada Day

9 JUL

SATURDAY

Nunavut Day

10 JUL

SUNDAY

Eid al-Adha

Memorial Day is observed together with Canada Day in the Canadian provinces of Newfoundland and Labrador on July 1 each year. Memorial Day commemorates the brave efforts of the province’s veterans, particularly those who participated in World War I.

On July 1, 1867, Canada became a self-governing dominion of Great Britain and a federation of four provinces: Nova Scotia; New Brunswick; Ontario; and Quebec. The anniversary of this date was called Dominion Day until 1982. Since 1983, July 1 has been officially known as Canada Day. Nunavut Day, which is annually celebrated on July 9, commemorates passing of two Nunavut acts. The Canadian Parliament passed the Nunavut Land Claims Agreement Act and the Nunavut Act on July 9, 1993. Nunavut officially split from the Northwest Territories and became a Canadian territory on April 1, 1999.

Eid al-Adha is a significant annual Islamic observance for many Muslims in Canada. It is also known as the Feast of Sacrifice or Festival

of Sacrifice as it commemorates Ibrahim’s (Abraham) willingness to sacrifice his son to God.

11 JUL

MONDAY

Orangemen's Day Orangemen's Day commemorates the Battle of the Boyne, which took place in 1690 outside Drogheda, now in the Republic of Ireland. It is a provincial holiday in Newfoundland and Labrador on the Monday closest to July 12.

30 JUL

SATURDAY

Muharram/Islamic New Year Many Muslims in countries such as Canada observe the start of the Islamic New Year on the first day of Muharram, which is the first month in the Islamic calendar.

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CROSSWORD PUZZLE SOLUTION

MONTH JUNE

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The Ontario General Election 2022 The 2022 Ontario General Election

2018. The New Democratic Party

The election set a record for the

was held on June 02, 2022 to elect

(NDP) retained their status as the

lowest voter turnout in the Ontario

Members of the Provincial Parliament

Official Opposition despite losing

Provincial Election and only 43%

to serve in the 43rd Parliament of

seats and finishing 3rd in the popular

people voters casted their votes. This

Ontario.

vote while the Ontario Liberals

broke the previous record of 48.2% in

finished 2nd in the popular vote but

the 2011 election.

The governing Progressive Conserva-

only won 08 seats falling short of

tives (PCs), led by Premier Doug

official party status. The Green Party

The PCs will form government with

Ford, were re-elected to a second

retained their one seat they won in

83 seats securing seven more seats

majority government, winning 07

2018 while the New Blue and Ontario

than they won in 2018 election.

more seats than they had won in

Party failed to win a seat.

Typically in provincial politics,

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majorities are whittled away over time. The PCs also picked

Horwath, who won her seat in Hamilton Centre, announcing

up roughly 41% of the popular vote share which is higher

she would give up the party's leadership after 13 years and

than the last election. Their gains came mostly at the

four elections at the helm.

expense of the NDP, particularly in the North, 905 region and Southwestern Ontario.

Ontario Liberal Party won 08 seats, just one more than they did in 2018. That additional seats came in the traditionally-Lib-

The Ontario NDP will return to Queen's Park as the Official

eral Toronto riding of Beaches–East York, where a former city

Opposition, albeit with fewer seats than they held in the last

councilor won. Liberal Leader Steven Del Duca spent most of

provincial parliament as they won 40 seats in 2018. At the

his time campaigning in Toronto, so the party's inability to

dissolution of the legislature, they were down to 38 after one

wrestle back downtown seats from the New Democrats was

MPP left to be an independent and another was not allowed

a significant disappointment.

to contest as he did not fulfill the mandatory Covid-19 vaccination.

Del Duca also lost by a big margin in his home riding of Vaughan–Woodbridge. Despite Del Duca insisting on the last

The party took 31 seats with about 23.7 per cent of the

day of campaigning that he would stay on as leader "regard-

popular vote share. The party's night ended with Andrea

less of the result," the night's reality made it untenable. The

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Liberals' poor performance also means the party didn't attain official party status. That comes with huge disadvantages, chiefly less money and no paid staff at the legislature. Green Party leader Mike Schreiner was the only Ontario Green to hold a seat in the last provincial parliament. Despite the party's high hopes to pick up another this time around, Schreiner will remain a caucus of one. The party fielded a full slate of 124 candidates, but its campaign team dedicated outsized time and resources to the riding of Parry Sound–Muskoka. The Prime Minister, Justin Trudeau congratulated Doug Ford and the Progressive Conservative Party of Ontario on their re-election. He expressed his satisfaction over the federal government working relationship with the Ontario provincial government during the past several years which has delivered historic investments in retooling the auto sector to build cleaner vehicles while creating and securing thousands of good jobs in communities across the province. He looked forward to continue working with Premier Ford and his government to keep people safe from COVID-19, build the housing that communities need and deliver on federal government promise of $10-a-day child care for families while growing the middle class and the economy.

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BENEFITS

OF USING A RESTAURANT POS SOFTWARE IN YOUR RESTAURANT – ‘AN ADDED DMM DEPARTMENT ADVANTAGE’ MB Enterprises

The modern restaurants are equipped with more things you

point of contact & POS software for restaurants are designed

can imagine apart from just the ambience, the style & the

to serve them.

fabulous food. It’s the payments that matters these days, especially while using the advantage of cards, i.e. Visa debit,

Here are some of the benefits of using a POS Software &

master card or American express, just for the sake of safe

how can it benefit the customers.

payments & some points on your card for future shopping discounts & availing big offers. The modern POS systems

A HIGHLY REDUCED WAIT TIME:

integrated with POS Software is truly an added advantage in

POS Software for restaurants always gives the benefit of time

the global POS industry. The POS software are also integrat-

with a highly reduced wait time. In fact, it makes the transac-

ed with modern technology, apart from the CRM, i.e. Custom-

tion processing time much faster as well as improves the

er relationship management system. These are systems that

customer foot traffic as well as for the promotional aspects of

keep a record of the transactions that are taking place while

a restaurant. In a good & big restaurant there are different

valuing the regular customers in form of rewards, gifts &

counters for drinks, appetizers, main course and so on and so

discounts as a regular. The processes needs to be paced up

forth. The customers may place orders from separate areas at

for the sake of matching the buyer’s expectations while

once. Hence, such situations and instances are very common

managing all the operations flawlessly. Thus, a comprehen-

and demands a synchronization of all operations, else it ends

sive POS system can accommodate this requirement. More

up in waiter confusions. Therefore, manually bringing the

importantly, it makes every process simpler, easier & much

multiple servers in a single line is something that is difficult.

faster.

However, a highly integrated POS software can really ease up the process as well as the integration of the operations.

In terms of the customer convenience it truly stands-out apart from the random feedbacks & reviews. Customers are the first

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MBE BUSINESS MAGAZINE JULY 2022

The application always allows faster order processing,

Finally, the loyalty programs & discounts value the customers

improves Table management as well as timely food delivery

in form of their rewards that they always take as an added

which is a key for the customers who prefer not to wait for

advantage.

long.

AUTOMATICALLY IMPROVES CUSTOMER RELATIONSHIPS:

PAYMENT SECURITY AT THE NEXT LEVEL: With the POS Software in the restaurant getting more famous

The POS Software integrated with a highly effective CRM

& more in use than it was before. The payment security has

Software automatically improves the Customer Relationship.

shifted to the next level. The latest POS Software offers the

The customers are served well and this is something which

restaurant business much advancements in terms of

keeps improving because of the effectiveness of the restau-

advanced security from data breaches & frauds. The depart-

rant POS Software. The customer satisfaction aspects are

mental restrictions in the POS Software makes it safe in the

directly linked up with the customer experience which makes

sense that the financial reports are restricted for the dedicat-

them comeback again & again to enjoy their enriched food

ed department only. For example an accountant can only see

experience.

the data he/she needs to prepare reports. At the same time a different department, i.e. kitchen staff can only see the orders

LOYALTY PROGRAMS & DISCOUNTS:

that needs to be prepared & so on. This example truly

Using the POS Software is a source of loyalty programs &

determines the level of financial & mental security for the

discounts. These discount schemes and the loyalty programs

customer that has shifted to the next level in modern restau-

are established and proven methods for the sake of gaining

rant POS. The cloud-based system securely holds all the

guests as returning guests, generates more sales, and the

restaurant data on the remote server.

clientele is also increased for a much better vision. Thus, loyalty programs brings more business for the owner & is a

All these advantages for the customers in the restaurant

source of satisfaction while paying for the customers.

industry truly proves how the level of importance is shifting towards the effectiveness of the POS Software. It has made

The restaurant POS application stores customer’s data

things much more convenient, securer & automated both for

comprehensively, targeting the customers that are most

the customers as well as for the business owners. Finally, in

regular ones. The application, i.e. POS Software can be used

terms of the sustainability aspects it is always an added

effectively for the sake of monitoring customer profiles of their

advantage as the food sector sustainability has improved. A

recent use of the restaurant & their likes & dislikes. Also, for

good news for everyone.

the sake of redeeming loyalty points & for the sake of adding the discounts on the bills. Also, helps in the maintenance of uniformity at all the different outlets.

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‘Vital Significance Attached With ATM Monitoring & Management Systems’ DMM DEPARTMENT MB Enterprises

The vital & most important significance attached with the ATM

machine running out of cash. More and more business

monitoring & management systems have improved at higher

owners are of the idea that an ‘out of cash’ status is not

levels in all kinds of businesses. Hence, with many banks as

something that is highly admirable for best results. The

well as the FI’s, i.e. Financial Institutions closing their doors

problems associated with ATM are more likely to extend to a

as well reducing staff levels to save the costs. The ATM’s of

particular service. The ATM network communication systems

today are fast becoming a key and a vital part of the way

or the card bin range rather than the machine itself. These are

customers transact. Even with a massive global shift towards

issues in the ATM industry that highlights precisely the needs

mobile and online banking as well as predictions of a

for real-time ATM monitoring & transaction analytics. Precise-

cashless society. A cashless society is a new phenomenon of

ly, for the sake of the managers and the operations team can

the modern world, still the ATMs are seen as something that

gain very deep and very detailed insights into the failure

is essential, and the tech involved in the world of ATM can still

issues.

be seen brightly in near future.

MOST COMMON CUSTOMER ISSUES & ATM PROBLEMS: The ATMs of today are much more complex as well as

The most common customer issues as well as the ATM

multi-dimensional with massive advances in software and

problems are growing due to the expansion of ATM’s in the

hardware. These software and hardware from different

country. A major issue that needs addressing is that the

vendors and communications with different services as well

customers can withdraw and deposit the cash. However, they

as more than one network. Thus, eventually provides a much

can’t deposit the cheques. Customers have also identified an

broader range of transactions.

issue that the promotional marketing screens are not appearing as well as transactions from a specific card bin range is

THE ATM’s OF TODAY, MUCH MORE THAN A CASH DISPENSER:

consistently failing.

The ATM of today is fortunately more resilient in their designs

As far as the speed complains have been reported, the

that fulfills the modern requirements. However, with the

transactions are extremely slow during the peak periods. As

complexity of design, also comes the likelihood of many

well as some customers have also reported failure to

problems that are attached. There was a time in ATM manage-

dispense cash which has been noted as a common problem.

ment & monitoring when the availability status was the only

Other issues that are critical to sort out includes worn out or

metric. However, now things are much different as there are a

malfunctioning card reader and finally, the branch appoint-

number of metrics involved. This clearly sums up that ATM is

ment booking application not working.

much more technologically advanced. The ‘unavailability’ is a metric that becomes far more broadly defined than the W W W. M B E F O RYOU. C O M

MBE BUSINESS MAGAZINE JULY 2022

WHAT IS THE REAL TIME ATM MONITORING?

provides 24/7 real time insights regards to the information

In the Real time ATM Monitoring, a higher & more sophisticat-

related to the threats affecting the ATM service. Apart from

ed system of monitoring is achieved. Real time and the

this, helps in the proactive monitoring as well as for the

transaction analytics allows the managers and the tech teams

identification of problems. Furthermore, troubleshoots and

to look much deeper into the network availability issues. Also,

creates alerts on a regular basis. Also, automatically increas-

security issues and failed customer interactions. Makes an

es the ATM profitability, which is the ultimate goal of the

analysis of the key aspects that relates to why the incidents

vendor, i.e. the business owners, while reducing the ATM

are happening, the frequency of incidents happening in a

downtime and managing costs.

certain time period, creates alerts and finally resolves issues far more quickly and instantly without much hassle. The ATM

As far as the competitive side of ATM industry is concerned,

monitoring and management tools also reveals the predictive

the software is really helpful in creating the benchmarks, i.e.

solutions, i.e. most expected solutions for the sake of prevent-

benchmarking the ATM service performance. A constant

ing these problems in the future. The Real Time also enhanc-

monitoring of the software & hardware performance, i.e.

es the ATM security while making it much more robust &

providing critical data in real-time. Finally, one of the most

secure. At the same time, it also helps build an invaluable

significant & useful benefit is performing of continuous

base of an interaction data and customer experience. Thus,

real-time audits on the ATM security controls.

makes customer experience more important in terms of the variable metrics of ATM monitoring.

ATM monitoring is a highly technical area and needs expertise, however, technology has played a useful role in minimiz-

MOST VITAL BENEFITS OF AN EFFECTIVE ATM MONITORING SOFTWARE:

ing the number of hassles. ATM monitoring, a key aspect in

The benefits of effective ATM monitoring software makes it so

results in ATM industry.

identifying the loopholes and managing them for sustainable

worthwhile for the customers & so much more valuable in terms of the outcomes. It helps in preventing the ATM & POS fraud well before it occurs, i.e. ‘well-in advance’. Also,

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THE VARIOUS TYPES OF LIFE INSURANCE IN CANADA EXPLAINED- ‘PREFERENCES THAT SUITS YOUR NEEDS’ DMM DEPARTMENT MB Enterprises

Life insurance is one of the most

insurance universally relies heavily

the prime reason & needs to be in

important types of insurance especial-

on some key factors. These includes,

consideration at all times while

ly in countries where life threat is

age, nature of work, dependents,

making a calculation of the premium

higher than normal. Canada is a safe

hobbies & interests & finally your

value. As a responsible person, you

country in terms of many things,

current health conditions as well as

must understand the need for life

however, the recent & most popular

your family health record to have a

insurance in these most unpredicta-

pandemic COVID-19 has proved

closer look at the inheritances of

ble times. Life insurance is never a

many wrong. Importantly, as many

diseases. For example, if you have

liability.

countries were affected in terms of

someone like either your mother or

the affected cases as well as the

father who is diabetic, or alternatively

The following are the various types of

number of deaths. In fact, the most

have risks to health that relates to

life insurance. Please have a closer

affected country is another North

obesity issues. Then, you might get a

look;

American country & neighbor country

slightly higher insurance premium as

of Canada known as United States of

the risk factor increases with the age

TERM LIFE INSURANCE:

America.

calculation.

Term life insurance is an insurance that covers you for a certain term, i.e.

Insurance of any kind is dependent

Life insurance is a key aspect,

a particular number of years. These

on certain key factors which includes

especially in a society that is prone to

years are usually 10, 20 or 30 years

age, level of risks & type of work that

either health issues relating to

depending on your needs. It provides

you are in as some of the most vital

obesity, risk to heart diseases or

the full coverage during the years that

factors. At the same time life

cancers of any types. Risk to death is

you are likely to need it most.

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MBE BUSINESS MAGAZINE JULY 2022

Interestingly, the Term life insurance coverage is in most

the balance of your mortgage should you die. In simple

cases more affordable as it is only for a fixed duration. In

words, the beneficiary of the insurance is not your family, but

case, if you die before the term is completed, obviously your

the payout goes alternatively to the mortgage lender.

family receives a set amount of money. Ironically, the death benefit in a Term Life insurance is either

The payout amount is in line with your outstanding debt. This

paid as a lump sum amount, as a monthly payment or finally

obviously means it reduces over time as you pay down your

as an annuity.

mortgage. However, the insurance premium in such a type of insurance remains the same throughout the policy term.

WHOLE LIFE INSURANCE- ‘SIGNIFICANCE IN CANADA’: Whole life insurance is a different life insurance as compared

As part of the many advantages associated with mortgage

to Term life insurance. As a matter of fact, it is the most

insurance, one of them is that it doesn’t allow you to undergo

common types of life insurance provided in Canada. This is

a medical checkup.

an insurance that provides the coverage for your entire life as long as you keep paying the premium amount on time. A

GROUP LIFE INSURANCE & BENEFITS FOR EMPLOYEES:

whole life policy also includes a feature that is known as an

A group life insurance is one of the main types of life

investment feature. This is irrespective of whether you die

insurance that the insurance company offers to their employ-

young or old. Hence, in whole life insurance in Canada, this

ees. It is the same for all the employees in a certain depart-

is how it works. A portion of each premium gets deposited

ment or a certain unit in a company. This insurance type is

into a saving component called ‘Cash Value’.

part of their employee benefit plan. Hence, like any other insurance product or different types of life insurances

UNIVERSAL LIFE INSURANCE & ITS BENEFITS:

involved the group life insurance also has certain advantages

Universal life insurance as the word clearly suggests

as well as disadvantages.

‘Universal’, is a whole life insurance with a slight twist in the tail. It provides life time coverage and also builds cash value,

Three key advantages or benefits that are associated with

however, the premiums are flexible, death benefit adjustable

group life insurance includes convenience, acceptance &

and finally the cash value growth is not guaranteed.

price. One more key advantage of a group life insurance is

Hence, a Universal life insurance policy has a minimum and

that it doesn’t necessarily require a medical examination. A

a maximum premium amount. As a customer it depends on

key reason why it is highly advantageous for elderly employ-

you entirely as how much premium you want to pay, as long

ees or those having a severe health condition.

as the premium value stays in the prescribed range. A kind of flexibility for the ease of the customers that makes it easier to

All these insurances discussed with their advantages

maintain insurance. Especially for the people whose annual

highlighted are good enough so that you can choose the type

income isn’t fixed.

of life insurance you need according to your circumstances and related factors. Whatever, but the reality is that the

MORTGAGE LIFE INSURANCE WITH KEY ADVANTAGES:

importance of life insurance can never be denied, especially

This is an insurance type that is related to Mortgage

in these current times.

Insurance and ensures that your mortgage lender receives

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‘THE CANADA DAY’- JULY 1st. 2022’ A CELEBRATION OF UNITED & INDEPENDENT CANADA’ DMM DEPARTMENT MB Enterprises

It’s a national & a global celebration of United & Independent

THE ‘CANADA DAY’ OFFICIAL TIMELINES:

Canada, a land that comprises of 13 provinces & territories is

Under the terms & conditions of the Canada Act of 1982, the

next only to Russia in terms of its covered area. The country

country got its independence from United Kingdom of Great

that got its independence from Great Britain way back in 1867

Britain & Ireland on 1st July 1867. Apart from this it was

is still a British Monarchy under the rule of Queen Elizabeth II.

called ‘Canada Day’ officially instead of being Dominion Day

However, it was no later than 27th October 1982, when the

since 1867. The following are the timelines since 1867 to the

officially known Dominion Day became Canada Day. Since

most recent celebrations, i.e. ‘Canada 150’.

than it is celebrated as Canada Day officially as a national holiday in Canada on 1st July every year. Similar to the

The timelines are below;

significance level attached with the fourth of July, i.e. the

1. The Canadian Independence (1867): Great Britain grants

Independence Day for United States, ‘Canada Day’ is a

Canada its national independence, but Canada was still a

supreme day for the Canadians. This is irrespective of where

monarchy under the rule of Queen Victoria, The Queen of

they are, i.e. in Canada or abroad.

Great Britain & Ireland. She also has a city dedicated in her name, i.e. Victoria, the capital city of British Columbia.

The level of national pride attached with Canada Day is immense in terms of the patriotic & emotional values of the

2. Dominion Day (1879): According to a federal law that makes

Canadians for their lovely country. A country that is a member

July 1 a statutory holiday as the ‘anniversary of Confedera-

of G7 countries has a huge role to play internationally,

tion’ later named ‘Dominion Day’.

especially in terms of the combined efforts that relates to the global fight against climate change. Rest of the six countries

3. Officially Named Canada Day (1982): It was on the 27th of

includes France, Germany, Italy, Japan, UK & USA.

October in 1982 when the day was officially named Canada Day instead of being known as Dominion Day, until that day in

The 150th Anniversary of the Canada Day took place in

1982. A major day that marks the uniqueness of Canada Day

2017, i.e. when officially Canada became 150 years old since

in the prestigious history books.

its declared independence from Great Britain. Officially known as Canada 150, the day is also known as the 150th anniversa-

4. Canada 150: 1st July 2017, the Day when Canada turns

ry of Confederation while it was promoted by the Canadian

150 years old & known for publicity reasons as ‘Canada 150’.

Government as ‘Canada 150’. The day was marked as the

The day was celebrated with huge passion & compassion for

biggest celebrations, especially in Canada’s financial hubs &

Canada with special celebrations taking place in Vancouver,

largest cities. These includes Vancouver, Ottawa, Toronto &

Ottawa, Toronto, & Montreal. Canada 150, was the 34th

Montreal & some other major metropolis.

Official anniversary celebration of the ‘Canada Day’ & will be

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

MBE BUSINESS MAGAZINE JULY 2022

remembered by Canadians all over the world while Canada

can think. The country also has the world’s longest coastline

celebrated its 150th birthday.

& an abundance of trees. The country according to stats consists of approximately 10% of the world’s total forests. The

THE CANADA DAY CELEBRATIONS - ‘2022’:

North American pride is probably one of the most coldest in

The 155th anniversary of the Independence of the great

the world as according to stats from previous records it

country Canada shall be marked in form of big celebrations

recorded -63 Degree Centigrade in a small village of Snag on

on ‘1st July 2022’. It’s not only the first celebrations after the

3rd Feb 1947. Surprisingly, the recorded temperature is

country is absolutely free from the pandemic COVID-19, but

colder than the average temperature on the surface of planet

also holds unique values as 2022 is an important year for the

Mars. These facts doesn’t come close to why people love

environmental reforms & policies in Canada. Also, officially

Canada Day, but it truly shows why Canada is so distinct &

marks the 39th anniversary celebrations of the day officially

different from the rest of the world.

known as ‘Canada Day’. The celebrations will be in form of giving tributes to the Canadian flag which is draped from the

The day is a famous prestige for the Canadians as it kickoffs

shoulders or painted on the face. Whatever, but, it shows the

the history week in Canada that started since 1st July 2013.

patriotic values of the Canadians attached with the flag

This official week dedicated to Canadian history helps the

showing the maple leaf & The Canada Day. Other celebra-

Canadians learn more practically about their own country,

tions also includes the parades, also known as the Canada

their origins, the Royal Monarchs that ruled over Canada as

Day parades. These are not complete without fireworks, street

well as the Indigenous People, i.e. the originals. On this day,

food and full marching bands. For most Canadians there is

the citizens learn more and more about their nation by visiting

nothing more Canadian & nationalistic than getting out of

the museums, the monuments & the memorials. Ironically, in

their homes & celebrating the national day with their

terms of the patriotic & national values the day holds vital

neighbors.

levels of significances for the hard working people of Canada. The citizens of the country who believe in hard work & moral

WHY CANADIANS LOVE TO CELEBRATE CANADA DAY?

values for those visiting Canada & residing permanently as

Canada is truly one of the most beautiful & largest countries

immigrants.

in the world with gorgeous landscapes & more lakes than you

MBE BUSINESS MAGAZINE JULY 2022

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

CROSSWORD PUZZLE

Goin’ Green ACROSS 1 Made like an owl 7 Clothing 11 Isr. lang. 14 Yoga instruction 15 The Beehive State 16 Cabinet dept. 17 Christie’s Belgian detective 18 Just OK 19 “________-TURN” (sign) 20 3/17 greeting 23 Knead-y one? 25 “Relax, and that’s an order!” 26 “Big Girls Don’t _______” (Four Seasons hit) 27 Beluga yield 29 Strips in the water? 30 Part of Q.E.D. 32 Two-dimensional 34 3/17 refreshments 39 Grabs 40 Fife’s companion 42 Patriot Hale 45 Canine command 47 Rear ___________ 48 Turn over 49 They may be given with hands or arms 52 3/17 sentiment 55 Mischief-maker 56 Machu Picchu builder 57 Reb Jeb 60 Chinese ideal 61 Pierre’s place: Abbr. 62 Seventh planet 63 Cockpit abbr. 64 Loudness unit 65 J. Lo title role Down 1 Cool, once 2 Useless tic-tac-toe row 3 Words of recognition 4 Poi-producing plants 5 Skip the big wedding 6 Roundabout route 7 Rear 8 Oklahoma tribe

9 Underground fuel delivery network 10 Guns for, literally 11 “Splash” star Daryl 12 Self-centered belief 13 Oil-rich sultanate 21 Saint-_______ (French resort) 22 Kept covering the same ground 23 1974 title role for John Wayne 24 “.....snug as a bug in _____” 28 “Someone _____ America” (1996 film) 31 Corned beef, and cabbage 33 Birthplace of St. Francis

35 Close call 36 GameCube maker 37 Skateboard wheel material 38 Melody 41 AMA members 42 Premier Khrushchev 43 20 Questions category 44 A tube plug? 46 Human ankle 50 Petrol unit 51 Bar order, with “the” 53 Words of confidence 54 Earn 58 Hose woe 59 Airport screening org.

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

MBE BUSINESS MAGAZINE JULY 2022

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‘The Government Of Canada Pledges $70 Million For The Sake Of Encouraging Domestic Summer Travel’ DMM DEPARTMENT MB Enterprises

The Canadian Government since the end of the pandemic

to mitigate the effects of COVID-19. She said that ‘We are

has been promoting their tourism sector, especially bringing

working with you, as our economy reopens & we can come

in creative aspects for promoting domestic summer travel. On

back strong. The strength lies not only in terms of the

the whole it’s a pledge from the Canadian Government of $70

financial aspects, but also the motivational ones as well.

million just for the sake of promoting domestic summer travel which has been on a decline. This, is a fact & especially seen

DESTINATION CANADA:

in provinces like British Columbia where summer tourism

Destination Canada is an organization that is dedicated for

figures have reduced due to temperate weathers & very hot

promoting international & domestic tourism in Canada. The

conditions. A massive dedication goes to climate change

role of the organization as a key stakeholder has been

something that resulted in record temperatures that were

detrimental in determining the different ups & downs in

recorded in the province British Columbia.

tourism as well as how the tourism industry needs to be boosted as a key component of the Canadian economy.

The Canadian Government is encouraging its citizens to hit the road especially keeping up with the safety requirements,

As part of the Government of Canada’s pledges, the

the physical distancing & the provincial bans in mind.

Canada’s national marketing organization received $30

Enjoying the summer in Canada while discovering the beauty

million dollars. According to the plans of the organizations in

and the adventure that awaits them in their very own

next 18 months, the organization needs to create partner-

backyard.

ships with the different provinces & territories of Canada for the sake of creating marketing programs which will be a huge

The Tourism sector was one of the many industries that were

encouragement for Canadians for the sake of exploring local

heavily dented by COVID-19, the pandemic. Thus, another

tourist attractions. Apart from this, destination Canada will

key reason why the Canada’s Government has announced a

invest on their own another $30 million this year, with the

total of $70 million just for Canadian Tourism. According to

provincial marketing organizations. Thus, taking the numbers

the Minister of Economic Development & Official Languages,

to a massive $60 million for the sake of marketing programs

The Tourism Sector of Canada has been hit hard by

and promotions in alliance with the provinces & territories of

COVID-19. This is not only the tourism sector but the 1.8

Canada. According to the Board Chair Destination Canada,

million people who are employed in the Tourism Industry in

the work of destination Canada & the urge to support the

Canada, & ironically we are here for them. She was affirma-

local tourism in time for summer when most businesses make

tive & responded positively that we are working day and night

the largest portion of their annual revenue are phenomenal.

MBE BUSINESS MAGAZINE JULY 2022

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

The organization has been busy all the yearlong in promoting tourism in Canada since the sector demands recovery post

WESTERN CANADA:

pandemic.

Another gorgeous and scintillating part of the country is Western Canada. The Government of Canada has made an

NORTHERN ONTARIO:

allotment of $3.5 million for the sake of promoting Summer

The Government as part of their efforts to boost tourism

Tourism in the region which is filled with true beauty of nature

activity in the whole of Canada, especially for Summer

& tourism attractions worth having a look. These allotments

Tourism is also boosting Northern Ontario. A region that is the

are not only for the sake of promoting tourism in the region,

most gorgeous part of the Province Ontario in terms of

but also the recovery of the sector that has seen massive

natural beauty elements including the lakes, the streams, the

declines in revenues due to the most recent pandemic.

waterfalls & mountain ranges. The federal Government surprisingly shall be investing another decent amount, i.e.

Many people have lost their jobs in the tourism sector and

$7.6 million for the sake of supporting regional Tourism

many people have lost interest as tourists for discovering the

across Northern Ontario. This funding shall be supporting in

gorgeous & beautiful parts of Canada. A pledge of $70 million

all 36 tourism initiatives that are led by regional communities,

for promotional & recovery efforts shall prove to be

businesses & organizations. The investments also includes

worthwhile in future in terms of the boost to tourism activity in

$1 million for the sake of specifically supporting seven

Canada. Thus, focusing more precisely on Summer Tourism

projects that are designed to promote the region as a key and

in a country that is undergoing climate change effects.

most attractive travel destination. NOTS or Northern Ontario Tourism Summit is yet another key entity that is involved on a global platform for the sake of promoting Northern Ontario. A region which holds immense tourism values in Canada has been deeply hurt during the past days of the pandemic. W W W. M B E F O RYOU. C O M

MBE BUSINESS MAGAZINE JULY 2022

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‘Carbonated Drinks & Their Harmful Effects Due To Over Consumption’ DIGITAL MEDIA MARKETING MB Enterprises While having your favorite burger at

want to play for a longer run. All these

consumption of carbonated drinks on

lunch or having a sandwich you

drinks although enjoy a huge market,

a very regular basis as they increases

however, the amount of calories &

the level of fat in your body to much

carbonated soft drink. However, it’s

caffeine they include can be a

higher levels. Therefore, it’s best to

important to realize the amount of

massive concern for your health,

avoid undue intakes of carbonated

concerns that the consumption of

especially if you are undergoing health

drinks, especially, if you are following

these carbonated drinks can give you

concerns. At least, don’t make it a part

a strict diet plan that is especially

every day & while it accumulates for

of your daily diet regime which is not a

designed for weight loss.

larger health concerns when you grow

healthy habit & won’t make your body

older. Alternatively, one can say that

sustainable for a longer run.

Palways R O Flove I L Eto have your most favorite

the over consumption of these drinks,

The following are some of the dangers that are associated with carbonated

i.e. having them on a daily basis with

Drinking carbonated drinks with a

your lunch & dinner can be really

balanced approach & on special

damaging for your health & generally

occasions is the brightest approach

your whole health system. These

considering your health matters for

How They Damage Your Teeth & Makes Them Weak:

drinks have ingredients that can make

you. It is a special indicator for the

Do you love your teeth or you are one

you want them more & more every

teeth as it damages the teeth or

of those who doesn’t want to know

day, i.e. a certain kind of addiction

makes them weak. If you are a fitness

why your teeth are getting damaged

which hurts your innings which you

freak, you wouldn’t prefer the

or spoiled. A constant pain in your

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

drinks;

MBE BUSINESS MAGAZINE JULY 2022

teeth needs immediate attention from your dentist, however,

A huge reason to this is obesity, eating habits & carbonated

the best thing is to know what’s the source of the damage to

drinks or over consumption of such drinks that are acidic.

your teeth & how you can resolve your own issues, i.e. ‘be

According to a recent research on carbonated drinks, those

your own dentist’.

who consume soft drinks on a regular basis have a 23% higher risk of getting a heart attack. A huge reason for this is

As a matter of fact, drinking lots of diet soda can harm your

consumption of sugar from unhealthy sources. Consuming

teeth as well as your body. Having regular interactions with

too much sugar from unhealthy sources can be avoided by

calcium is one issue, however, the amount of acid content in

increasing the same in-take from healthy sources. These

soft drinks is another key reason that is associated with poor

includes eating nutrient and fiber-rich fruits and vegetables.

dental health. Acidity is not a good option, i.e. something that can weaken the enamel of the tooth while causing decay at a

Causes More Dehydration:

much faster rate. Thus, it can result in more cavities, fillings,

Although, it seems that having a beverage or a soft drink can

and even missing teeth over time.

hydrate you. On the contrary the soft drinks have an opposite effect as it increases your dehydration levels & makes you

Damages The Kidneys At A Much Faster Rate:

feel thirstier. Obviously, something that is linked up with the

Over dosage of soft drinks or being a regular consumer can

marketing aspects of carbonated drinks. The caffeine that

be really damaging for your kidneys, i.e. at a much faster rate.

goes inside the body due to regular intake of carbonated

Kidneys are a major organism or part of your anatomy, i.e. a

drinks is the reason why it flushes out the water in your body,

key part of your natural detox system. It’s the function and

without effectively replacing it.

role of the kidneys to flush out from your system something that you have consumed is harmful. Acidic drinks and over

It’s not indeed a good practice to consume carbonated drinks

consumption of carbonated drinks on a regular basis can be

on a regular basis when you have healthier options that can

really harmful for your kidneys as well as can even lead to

be used instead. Especially, if you are weight conscious &

producing kidney stones. Thus, a huge reason which can be

health conscious, you should be aware of the level of content

damaging for your kidneys, while increasing the rate of

of carbonated drinks you must have on a weekly basis. Be

damage to kidneys at a much faster rate.

more calculative as it is best to be a balanced consumer rather being a regular consumer. What’s more advantageous

Raises The Risks Of Heart Diseases:

is to be more calculative of the results in terms of its health

The youth these days are prone to heart diseases & deaths

advantages.

due to heart attacks at a much faster rate than it was before.

MBE BUSINESS MAGAZINE JULY 2022

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

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Employee Rewards & Recognitions & Its Importance In The Modern Work Cultures DMM DEPARTMENT MB Enterprises

The employee rewards & recognitions are all part of the

culture to another while the variance is much needed to

modern work cultures. These are aspects that are highly

create the difference in work cultures & the various types of

regarded for the sake of motivational values & creating these

work cultures. For example in an egalitarian work culture the

values in employees to perform much better. In simple words

rewards & recognitions of employees are more important &

boosts the performance in employees so that they perform

much more highly regarded. Under an egalitarian work

better than their past performances. Also helps in creating in

culture the importance level associated with equal rights and

employees a sense of urgency regards to their tasks as well

opportunities are higher. Therefore, also gives employees a

as a sense of affection with their work while accomplishing

higher chance to prove their mettle in an organization. The

the future milestones.

organizational behavior of many organizations are based on the patterns of giving rewards & recognizing achievements.

Rewards & recognitions helps in employees trigger a positive

Apart from the motivational values, awards and recognitions

thinking in them regards to their rewards & their accomplish-

are more valuable for employee growth prospects. A simple

ments. These rewards & recognitions vary from one work

word ‘Prospects’, in this case highlights a world full of

MBE BUSINESS MAGAZINE JULY 2022

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

opportunities which are categorized under the heading of

employee recognition will be given at the time when they are

growth prospects or growth opportunities. An organization

due. However, in other work cultures for example egalitarian

that has the tendency to grow faster than a normal pace, its

cultures, the recognition of awards is based on current

growth prospects are aligned & synchronized with that of the

performance, and can be given any time when the company

employees. Obviously, also clears the vision in eyes of

recognized the true importance of an employee. It’s not only

employees for their relationship with the company.

the true importance, but it’s the timely importance as well which many entrepreneurs & business owner value for sure.

THE ADVANTAGES OF FEELING APPRECIATED: in form of written accomplishments for the services in a

EMPLOYEE REWARDS MAKES YOU REALIZE THAT YOU ARE A TRUE ASSET:

company holds many advantages. These are advantages for

Being an asset for the company is something that makes an

employers & employees both as it strengthens the work

employee realize that they deserve to be treated like a true

relationship between each other for a sustainable future

asset. They are not a liability for a company, neither are they

together. This is a necessity in order to become successful at

somebody who either needs to be replaced or to be laid off.

your job or as a business owner or as an entrepreneur, you

Once the rewards & recognitions make you realize that you

must understand the importance of being appreciated.

are a true asset, you won’t definitely loose the vision for your

As a business owner or an entrepreneur if you are able to

goals.

‘Appreciation’, either in form of verbal acknowledgements or

accomplish big objectives which means you have been active your stakeholders, or in a company award function, you would

EMPLOYEE REWARDS & RECOGNITIONS WHILE WORKING IN A TEAM ENVIRONMENT:

feel very much acknowledged & satisfied. As a company if

Working in a team environment is the most common type of

you need praising others for their hard work, you must apply

organizational activity. In a team environment, the recognition

the fundamental principles of employee recognition. It’s a

of efforts determines the performance levels of whole team

technical thing especially in these modern times, as the

for one common goal. For example the sales achieved by

impression it should give mustn’t be wrong in any way.

‘Team A’ are far higher than sales achieved by ‘Team B’ in a

in terms of the CSR activities. Obviously, being recognized by

calendar year. Naturally, the rewards and recognitions for

APPRECIATION IS A BASIC HUMAN NEED:

those with the higher sales determines their upper hand in

This is according to the human psychology, the employee

the competition. Makes the environment of a company more

appreciation is a basic human need. It is something that is

target oriented & more focused for employee rewards &

designed in a human mind that triggers the sense of achieve-

recognitions. It’s like every time you win a race, you are

ment in employees apart from a higher sense of achieving

training yourself for the next big challenge. Something that

more heights for the company. As soon as the work of

truly makes you more professional & more focused for your

employees is valued by others it definitely means their

goals.

satisfaction rises and their productivity level increases as well. This is an emotional necessity as well in order to create a thriving workplace, i.e. a workplace where employees work hard & energetically for best results for the company. The employees will always thrive everyday for every task that they undertake.

TIMING IS A KEY FACTOR FOR REWARDS & RECOGNITIONS: In the modern work cultures it’s the factor of timing that holds values for the sake of rewards & recognitions. Not only good for the employee satisfaction levels but also a determining factor, as they say ‘the race must go on’. The reward or a recognition of services shouldn’t lose its true value as mandates are always important for all employees of an organization. The mandates determine how far the employees are improving every day to accomplish tasks that they need to achieve. In certain cultures it seems robotic as

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

MBE BUSINESS MAGAZINE JULY 2022

Significance Attached To Canadian Endangered Species Act For Species Of Canada DMM DEPARTMENT MB Enterprises

The level of importance attached to endangered species in Canada has been realized on a far higher level. The official

WOLVERINE: One of the endangered species of Canada, Wolverine looks

passing of the Endangered Species Protection ACT, also

like it is from the Bear family, i.e. one of ‘The Big Five’.

known as CESPA, for the sake of protection & realizations for

However, it’s not exactly that, as it’s not part of the big five,

the endangered species is a massive development not only

however, but it’s a small bear-like animal that is capable of

for people of Canada & its environmental sustainability goals

travelling long distances. However, since the European

& vision. However, it is also a significant legislation that

settlements starting to come to Canada, the historical range

highlights the importance of endangered species & how to

of Wolverine has shrunk to far higher levels. Another key

protect them for environmental sustenance. The environmen-

reason being land conservation and urban development

tal sustainability revolves around certain things and CESPA or

which are key reasons that have reduced the natural habitat

The Canada Endangered Species Protection ACT is one of

of Wolverine.

them. The ACT was enacted to hold the rapid loss of plant and animal life. Sometimes, it is also referred to as the ‘crown

The Wolverine occurs mostly in the alpine and the arctic

jewel’ of Canada’s environmental laws. The CESPA has been

tundra from the Province British Columbia to Ontario.

highly responsible and at the same time responsive for saving

According to the most recent stats from 2013 population

many species on the brink of extinction. This includes the

census of Wolverine. The population exists from 450 to 650

Wolverine, Atlantic salmon and Sea Otter found in British

with little facts known regards to the exact number. These are

Columbia.

stats available since last nine years, the exact figures might have been lower than this range. However, CESPA & Climate

Canada is home to hundreds and thousands of species and

Change Canada efforts are phenomenal in restoration of the

many of these species are getting extinct or in danger of

environmental pride & saving the endangered ones.

extinction at a much faster pace than ever been seen in history. Much to the credit of climate change & the environmental challenges that needs to be taken care of far more

ATLANTIC SALMON: Now we are dealing with the sea-life & Atlantic salmon, also

aggressively and rapidly. Also, due to the change of environ-

known as the ‘King of Fish’ is yet another part of the endan-

ment in the Oceans of Canada, affecting the sea-life at a far

gered species in Canada. The Atlantic salmon is a fish that

rapid pace. CESPA along with other environmental ACTs &

lives in both fresh water as well as Saltwater. The fish is one

along with organizations that protect the Environment of

of the most important ones for First Nations and the Indige-

Canada which includes Greenpeace Canada, Environment &

nous Communities as it is used for their social & ceremonial

Climate Change Canada & Climate Action Network (CAN) &

purposes.

few other are working 24/7 for the sake of climate protection & protection of endangered species in Canada.

According to the census revealed the population of Atlantic

The following are some of the species that falls in the

salmon dropped to as low as 0.4 million in the year 1995 as

category of endangered species in Canada;

compared to yester years where the population was 0.8-1.7 million from 1971 to 1985.

MBE BUSINESS MAGAZINE JULY 2022

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

Although, it was declared and listed as ‘Least Concern’, by

The Canada Endangered Species Protection ACT as well as

the IUCN, Atlantic salmon is still considered as an endan-

the protection measures, the population of Sea Otter has

gered species in Canada.

amazingly soared up to 6,500 individuals as of today.

BURROWING OWL:

One of the rare species in Canada, can now be found along

It is known as Burrowing Owl & surprisingly it is one of the

the West Coast of Vancouver Island, as well as part of the

smallest owl species that measures just about 7.5-10 inches

central coast of British Columbia. On a more global note, the

tall. It is mostly found in the prairie grasslands of Canada.

Sea Otters are still considered by the IUCN as species falling

There are many reasons for the decline of the population of

in the group of ‘least concerned’. However, in Canada it is in

burrowing owl since the last 30 years, i.e. from 1992. Howev-

the list of endangered species as new threats everyday can

er, other contributions to its mortality rates also includes as

hurt its success story, along with natural environmental

the burrowing owl has been known to directly invest it when

threats & hazards.

they feed on animals. According to most recent counts as of today there are less than 1000 pairs of Burrowing Owl that

Endangered species in the waters of Canada & on the land

remains in Canada.

are increasing every day while Canada is a country of

SEA OTTER:

thousands of land & water species. Yet, all the efforts are taking place by organizations like Greenpeace & environmen-

Yet another endangered species from the Sea-life, this time

tal laws & legislations imposed for strict practice which

it’s the Sea Otter, i.e. an adorable & good-looking Otter found

includes CESPA, or The Canada Endangered Species

in the waters of British Columbia. Hence, this adorable

Protection ACT. A huge reason being climate change & its

mammal was pushed towards extinction or more realistically

effects on the land & waters of Canada.

‘the brink of extinction’ due to the fur trade that began in 1700s. By the year 1929 they were practically gone from the province British Columbia. However, with thanks to CESPA,

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WHAT DO YOU NEED TO KNOW ABOUT LIFE IN CANADA AS AN INTERNATIONAL STUDENT? DMM DEPARTMENT MB Enterprises

Life in an overseas country as an

accomplish your primary mission

Therefore, after your biggest fight

international student is nothing but a

on-board, i.e. having your degree on

with the weather is over, especially, if

thrilling experience & an experience

time. The country is cold indeed, so if

you are in Canada in the winters, you

that is worth the gamble. You are

you are coming somewhere from

just need to calm your nerves and

about to enter a highly diverse world

South-east Asia or Africa, you first

start planning what you need to do so

where people from many cultural

need to cut the crap, and get yourself

that you complete your degree on

diversities meet together for one

immune with the cold weather.

time, with grace, & the knowledge

common yet slightly different goal, i.e.

Hence, Canada is one of the coldest

outcomes that needs to be attached

earning a degree. It’s the worth of the

nations of the world, and most

with your name & degree. Make the

experience that counts & also the

countries of the world have a warmer

most use of your experience as it’s

difference that it creates in one’s life

temperatures as compared to

for most, once in a lifetime experi-

is indeed massive. It is not only about

Canada, except Russia (Formerly

ence, i.e. to study in a place like USA,

getting a well-paid job, or working in a

USSR).

Canada, U.K. or Australia. All these

role that you desire while you W W W. M B E F O RYOU. C O M

are countries that excel in yearly MBE BUSINESS MAGAZINE JULY 2022

is a culture that most people follow or many have the dream of

WHAT ARE THE WORKING RESTRICTIONS FOR INTERNATONAL STUDENTS IN CANADA?

‘living the dream’.

As an international student working in Canada, you have the

in-takes of people coming to study abroad, as overseas study

eligibility to work for as many hours as you wish on campus. Some vital things that you need to do before arrival & after

However, still you need to apply for a SIN or Social insurance

getting to Canada as an Int. Student;

number. It is a registration with a unique ID that registers you

FINDING A SUITABLE PLACE TO STAY: Most of the universities in Canada do have a place for students

with the govt. for taxes while you work, and helps you find work. You might also be eligible to work 20 Hours/week off the campus, i.e. in city Centre or near about.

to stay, either on temporary basis, or in student halls. An experience most of the students adore as their travelling

You also have the eligibility to work full-time off campus during

expenses are saved a great deal, while they stay close to the

scheduled breaks, i.e. during the summer, winter holidays or

university or in most cases inside the university, just near their

the reading week.

concerned departments. For the international students coming to Canada, it’s an However, in the rarest of cases, if your school doesn’t offer you

experience which is always worthwhile as Canada is a richly

a place to stay or a proper housing with all the facilities. You

diverse country. A vast country with people from many different

must surely find an accommodation to stay or ask the universi-

countries & nationalities, studying together, & later working

ty to guide you better. It is certainly best to ask your internation-

together. In terms of the cultural diversity people love to mingle

al school student office, where apartments or rooms to rent are

& socialize together on special occasions which includes , New

usually advertised in the city that you are moving to.

Year’s eve, Christmas, Diwali, Eid, Easter & other occasions

HOW CAN YOU AVAIL THE BANKING FACILITIES IN CANADA?

which are cultural as well as social. Enjoy your relishing experience & be part of an economy that is growing rapidly in

Banking might be slightly different in Canada, than your home

many different aspects. These are aspects that have

country, i.e. a country where you have just arrived from.

transformed Canada into a country it is today.

However, still it’s easy to open an account and get on with the banking & its facilities. There are banks, like the Scotiabank that offers account to international students & the accounts are designed to suit their needs, even later if they have to apply for student loans. The documents you would need for the sake of opening an account in the nearest branch from your university is student visa also known as student permit, a piece of Govt. photo ID, and finally proof of your university enrollment. These documents shall be enough for the opening of an account in a desirable bank in most cases preferred by your university.

ACCESSING THE CANADIAN HEALTHCARE FACILITIES: Some of the Canadian provinces fortunately cover the medical costs of the international students. This is via their provincial health insurance plans. There are many universities that offer their own mandatory private health insurance coverage for the sake of int. students. Your dedicated school from the university that you are studying shall definitely help you navigate this entire process. However, still if there is a kind of curiosity regards to which are the selected provinces that provides the Int. students their provincial health coverage. The best source is the Govt. site that can easily direct you to the province website that you are residing in or possibly moving to.

MBE BUSINESS MAGAZINE JULY 2022

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

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MBE BUSINESS MAGAZINE JULY 2022

Interfaith Harmony

CANADIANBUSINESS.COM Public awareness on perceiving

religious education were collected

gence” of religion in international

religious dialogue as a determinant of

from Central State Archive for the

relations. Insofar as this literature

conflict prevention and social peace

pre-communist period and data from

typically focuses on particular

building in inter-cultural and multi-reli-

the current schools of different

religious traditions, however, a critical

gious societies is increasing day by

religious communities in Albania were

blind spot has developed whereby the

day. For a long time, the debate over

evaluated. The study brings to

contemporaneous proliferation of

religion was characterized by the idea

attention the Albanian case, where

transnational interfaith initiatives-that

that the increasing secularism of

religious education had in the past

necessarily rely on the collaborative

Western societies would lead to a

and has currently a decisive impact

efforts of two or more religious

gradual withdrawal of religion from

on interfaith harmony. Religious

traditions-has often been overlooked.

public space. However, the last

communities have dozens of schools

This introduction to the special issue

decade, returned religion in public

and four universities, where

highlights this oversight and explores

discussion as a determinant of peace

thousands of students’ study and

the role of interfaith actors, organiza-

building. Regardless of the variety of

their graduates constitute a vital part

tions and initiatives in the broader

how this discussion unfolds in

of the society. Education plays an

narrative of the ‘return’ of religion in

European countries, the study of the

essential role in intercultural under-

international relations.

impact of “religion” on intercultural

standing, in favor of coexistence and

dialogue and on tensions and social

tolerance and the contribution of

Although the interfaith movement can

conflicts seems to be becoming

these schools to society is enormous

be traced back to the late 19th

increasingly important. Meanwhile

as they are strengthening interfaith

century, it gained unprecedented

education and religious education is

dialogue and its transmission to

prominence in the years following

an important element for shaping the

young people. In addition to the

9/11. In Western liberal democracies,

critical skills of future citizens, for

collaboration between the three

interfaith initiatives have been

intercultural dialogue and for peace

theologies, cooperation is also

enlisted as part of wider multicultural-

building as well. This research

increasing between universities,

ist responses to the threat of radicali-

focuses on contribution of the

which despite being founded by

zation. In the Middle East, interfaith

different religious communities’

religious communities, have in

gatherings have come to represent

education system for promoting of the

general and other secular depart-

important platforms for the promotion

peace building in Albania multi-reli-

ments of various academic fields.

of what is often described as ‘true’ or

gious society. An explorative research

‘moderate’ Islam, and serve as

methodology is implemented to

In the wake of the events of 9/11,

valuable opportunities to counter the

achieve this aim through collecting

there has emerged a now significant

‘Clash of Civilizations’ discourse that

primary and secondary data.

body of literature that seeks to

continues to inform relations between

Documents and studies in the field of

account for the “return” or “resur-

the Muslim World and the West. The

MBE BUSINESS MAGAZINE JULY 2022

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

interfaith movement has also garnered attention at the highest

itself. Religion has long been a focus of diplomatic efforts for

diplomatic levels; the United Nations has passed several

the US, although it has not always been labeled as such; often

important resolutions, for example, on “the promotion of

coming under the broad rubric of human rights. The US State

religious and cultural understanding, harmony and coopera-

Department has included a section on religious rights in its

tion” (in 2003) and “the promotion of interfaith dialogue” (in

human rights reports since the early 1970s and in 1998

2004). There have been several similar resolutions that

established the Office of International Religious Freedom.

encompass both interfaith and intercultural dialogue, on “the

Since 2002 the United States Agency for International Develop-

global agenda for dialogue among civilizations” (2005).

ment (USAID) has also had an office dedicated to engaging faith-based actors on developmental issues around the globe.

The ‘Return’ of Religion in International Relations The theoretical and practical challenges of integrating religion

Around the same time that faith-based diplomacy seemed to

into international relations have received a lot of attention in

be gaining unprecedented attention, the interfaith movement

recent years. Scholars looking to account for the ‘return’ or

itself also began attracting attention at the highest levels. Much

‘resurgence’ of religion in international relations all agree that

like the broader narrative of the return of religion to internation-

9/11 marked a watershed moment. For some, it delineated a

al relations, the interfaith movement's heightened visibility can

“new era in world politics” (Fox and Sandler 2004, 1). 9/11 has

be attributed first to the events of 9/11. It was in the wake of

become a universal point of departure across the various

9/11 that the global interfaith movement had suddenly moved

attempts to explain the importance of religion in world affairs,

to the center stage of world attention. The movement did gain

which typically engage with broader historical processes such

newfound prominence as religious extremism once again

as globalization, modernization, and secularization (and

made headlines around the world. Today the global field of

de-secularization). Aside from 9/11, other popular examples

interfaith comprises thousands of initiatives from small local

include the 1979 Iranian revolution, conflict in Northern Ireland,

grassroots efforts to national-level conflict resolution and

or the ongoing tensions between India and Pakistan (Fox and

transnational organizations that span the globe. Some

Sandler 2004). Lebanon, Sri Lanka, the Balkans, and the

initiatives are more overtly theological, focusing on dialogue,

Middle East broadly speaking are also often put forward to

with the goal of identifying and promoting a set of common

exemplify the need to better understand the various ways in

values. Others bring together religious leaders and communi-

which religion influences international relations today.

ties to identify common social and political goals that transcend religious difference, such as climate change, social

Across a now sprawling body of literature that seeks to

justice, nuclear disarmament, and poverty alleviation. Despite

integrate religion into international relations (IR) theory, a

its relatively recent prominence, however, the interfaith

general consensus has emerged as to what are the historical

movement has a long history.

processes that explain its marginalization. Secularization theory in social science (or the broader category of moderniza-

History of Interfaith Dialogues Events

tion theory in political science) is often presented as the main

While it is possible to identify what could be described as

culprit. That religion was widely conceived as a “primordial

‘interfaith’ in the history of any of the major world religions, the

remnant that was fading away”, and was therefore no longer

field of interfaith that emerged in the late 19th century and

taken seriously in either academic or political circles, is often

developed over the course of the 20th century, is a distinctly

attributed to secularization theory. While secularization theory,

modern phenomenon. The 1893 Parliament of World's

at least in its simplest evolutionary form, is today widely

Religions in Chicago is commonly held to be the beginning of

discredited, IR theory, it is claimed, is still heavily informed by

the interfaith movement. The Parliament brought together

“dogmatic secularism” at the expense of religion.

representatives from the world's major religious traditions, including a range of Christian denominations, along with

Interfaith on the World Stage

Hindus, Jains, Buddhists, and some smaller new religious

One of the most interesting challenges we face in global

movements. The Parliament was a one-off but has inspired the

diplomacy today is the need to fully understand and engage

interfaith movement for more than a century and continues to

the great impact that a wide range of religious traditions have

be an important point of reference in interfaith circles. The first

on foreign affairs. We ignore the global impact of religion at our

interfaith organization that can be traced to the Parliament is

peril. For example, the role of Buddhist nuns in Nepal in natural

what is today known as the International Association for

disaster recovery efforts or the part played by religious

Religious Freedom, convening in Boston for the first time in

organizations in providing humanitarian support to Syrian

1900. Then there was the World Congress of Faiths, a deliber-

refugees. The importance of religion in international relations,

ate imitation of the Parliament in Chicago, which first met in

however, is perhaps nowhere more evident than in the US

London in 1936. While World War II made transnational

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

MBE BUSINESS MAGAZINE JULY 2022

interfaith collaboration difficult, if not impossible, it would also

The interfaith movement shares a lot of common ground with

reinvigorate the movement, which enjoyed a period growth in

the field of faith-based diplomacy. Advocates of faith-based

the second half of the 20th century. The Temple of Understand-

diplomacy call for the inclusion of religion, and religious actors,

ing, referred to by the press at the time as “the spiritual United

in international diplomacy while advocates of the interfaith

Nations,” was established in 1960 and a decade later what is

agenda essentially make the same case, the main difference

today known as Religions for Peace was established. The

being that interfaith efforts necessarily involve representatives

movement's momentum can also be attributed to another

from two or more religious traditions. Furthermore, while

important milestone in the 1960s, Vatican II, and in particular,

interfaith initiatives are conceived in terms of improving

Nostra Aetate. While it is probably best known for its revision of

understanding and building better relationships between

the Catholic Church's 2,000 year old charge of deicide against

members of different religious traditions, faith-based diplomacy

the Jews, Nostra Aetate also profoundly recalibrated its

more straightforwardly seeks to include religious voices in key

relationship with other religious traditions, including Islam. To

global conversations about specific global issues. Differences

support its new interfaith agenda, the Pontifical Council for

notwithstanding, the interfaith movement today can be produc-

Interreligious Dialogue was set up in 1964.

tively understood as a type of faith-based diplomacy; or, given its reliance on a plurality of faiths, ‘faiths-based diplomacy.’

The interfaith movement had another period of growth in the late 20th century, with the establishment of the World Faiths

The question remains however to what extent has the ‘interfaith

Development Dialogue (1998) and the United Religions

movement’ made a difference to outcomes in international

Initiative (2000), for example. As is the case with the broader

relations? On the one hand, we are seeing today a plethora of

resurgence of religion in international relations, 9/11 marked a

initiatives that come under the rubric of ‘interfaith dialogue,’ a

particularly important watershed in the proliferation of interfaith

trend noticeable at least since 9/11. On the other hand, this

initiatives around the globe. In Western liberal democracies

array of scattered, uncoordinated initiatives would struggle to

interfaith initiatives were presented as antidotes to the threat of

present itself as a ‘movement’ or as a definitive new turn in

radicalization. Accepting the narrative that if religion was part

international relations which is making a clear and beneficial

of the problem, then it must be part of the solution, Western

difference in terms of outcomes. In sum, interfaith initiatives

governments funded interfaith initiatives in the hope that they

are a novel turn in international relations geared towards

could combat religious extremism within their borders.

diminishing conflict, building peace, and promoting social

Although having previously been reluctant to partake in

flourishing and freedom, yet so far it is unclear the extent to

interfaith initiatives, Muslims in the West began both attending

which they make a practical difference in relation to such

and initiating interfaith dialogues, as the need to dispel

issues.

common misconceptions about Islam grew. Conclusion Beyond relatively small-scale local and national initiatives,

We are now living in the era where political violence flavored

however, the movement also saw the emergence of several

by faith, culture and identity is being used to justify positions of

high-profile collaborations that sought to elevate the interfaith

power. This often leads to misconceptions and misperceptions

agenda to the level of international diplomacy. Whereas

about certain faiths and its followers. Faith identities will

throughout the 20th century interfaith initiatives were predomi-

continue to be the central part of our life and faith will be a

nantly initiated by Western and typically Christian actors, since

strong rallying point for global communities. As people of faith

9/11 the interfaith agenda has found new champions in the

and spirituality, we have to retake the reins and paradigm shift

Muslim world. Jordan has long since been a regional leader in

from traditional to non-traditional effective methods.

this regard. As well as establishing a range of high-profile interfaith institutions, Jordan was behind the annual UN Interfaith Harmony Week and the widely-endorsed Common Word initiative in 2007. Qatar too has been active in the field of interfaith since the early 2000s, for the most part through the efforts of the Doha International Centre for Interfaith Dialogue. In 2012, Saudi Arabia funded the establishment of the intergovernmental organization, the King Abdullah bin Abdulaziz International Center for Interreligious and Intercultural Dialogue (KAICIID).

MBE BUSINESS MAGAZINE JULY 2022

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

BANK OF CANADA RAISES INTEREST RATE TO 1.5%, AND WHAT IT MEANS CORBEN GRANT FOR YOUR MORTGAGE

At the start of the year, amidst rising real estate prices and

The policy interest rate affects the price of borrowing in many

ballooning inflation, a hike of the Bank of Canada’s key

different areas of the Canadian economy. The current hikes

interest rate seemed like an inevitability. Now, nearly six

are primarily a tool to help curb inflation, which hit 6.8% in

months down the line, and with multiple hikes behind us,

the month of May. Most importantly for our readers, the

hikes seem like a regular occurrence.

interest rate plays a big role in how mortgage rates are set. Let’s explore in a bit more detail what the recent hike might

Today, the central bank has made it clear they intend to

mean for you.

remain on course and continue to increase its rates even further.

WHAT HAPPENS WHEN THE BANK RAISES ITS RATES? The Bank of Canada notably does not take on regular

This week, the Bank of Canada announced an increase to

Canadians as clients. Instead, they are mostly involved in

their policy interest rate of 50 basis points, amounting to a

influencing the major banks and directing monetary policy.

total of 1.50%. That means interest rates are now six times

This means the first effect of the bank raising its policy rate

higher than they were at the start of the year, though they still

will be an increase in the cost of borrowing for banks and

remain below pre-pandemic levels.

financial institutions.

The bank has also announced they plan to continue Quantita-

Canadians can expect the cost of borrowing from banks and

tive Tightening (QT), a program under which the bank will

financial institutions to rise in a couple of days if it hasn’t

allow the many bond holdings accumulate during Quantita-

happened already. This increased cost will be passed on to

tive Easing to mature without replacing them, which will drive

consumers in the form of an increased prime rate. The prime

bond prices down and put upward pressure on bond yields.

rate serves as the foundation for many consumer interest rates, including some mortgages.

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

MBE BUSINESS MAGAZINE JULY 2022

HOW DO RATES AFFECT MY MORTGAGE?

For variable-rate mortgages, your interest rates will be rising

The Bank of Canada policy rate plays a major role in how

shortly, if they haven’t already, and will continue to follow the

banks determine their variable interest rates. Fixed rates, on

policy interest rate as it moves upwards. While variable rates

the other hand, are more closely tied to government bond

were very popular during our previous low-rate environment,

yields, which will be affected by the ongoing QT program.

these borrowers will quickly feel the burn of rising interest

The good news is that if you have a fixed rate, your interest

rates. Many may choose to convert to a more stable fixed

rate won’t change until your mortgage is up for renewal at the

rate to ride out the shifting market.

end of the term—or if you decide to refinance. Those who are just looking to buy a home now will also be Depending on when you started your mortgage term, and

affected by the rate increase. When rates were low during the

when you are up for renewal, an increased interest rate will

last two years, it allowed prices to shoot up as borrowers

affect you differently. Those who began or renewed mortgag-

could more easily service their large mortgage debts. Now,

es amid the record low rates of the last two years will see the

new buyers will have to face these higher rates, while prices

biggest increase in interest when it comes time to renew

in many areas still remain much higher than the last time

while mortgage terms that started prior to 2020 may not see

rates were at this level. Buyers will be faced with either

as large of a change.

buying now at high prices to lock in a relatively lower rate

MBE BUSINESS MAGAZINE JULY 2022

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

while they can, or waiting an undetermined amount of time and

Looking forward to the rest of the year, many economists are

hoping prices correct in response to higher interest rates.

predicting yet another 50 basis point increase in July, while RBC Economics forecasts a policy rate of 2.5% to end the year.

HOW MUCH FURTHER WILL THEY GO?

With just four potential hikes remaining on the BOC’s 2022

No one but the Bank of Canada themselves can definitively say

schedule, they will need to continue at a pace of at least 25

just how far rising interest rates will need to go, though analysts

basis points per increase to hit that forecast. Based on their

are predicting more still to come.

recent clip, that seems more than doable.

Despite the recent hikes, the rate of inflation has continued to go up in recent months and is predicted to continue to rise even further before it falls. Clearly, the Bank must still do more if they hope to rein in inflation. Yet, even with the rapid increases we have seen, they must still try to avoid moving too fast. Our current interest rate is still below pre-pandemic levels, though it is higher than it was for much of the 2010s when inflation hovered around 2%. And, looking even further back, we are still far from the highest interest rates ever seen in Canada (though comparing with the past is not apples-to-apples).

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

MBE BUSINESS MAGAZINE JULY 2022

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horoscopes

juLY 2022 cancer Deeply intuitive and sentimental, Cancer can be one of the

bigger, or more powerful than they imagined. When at peace

most challenging zodiac signs to get to know. They are very

with their life choices, Cancer representatives will be happy

emotional and sensitive, and care deeply about matters of

and content to be surrounded by a loving family and

the family and their home. Cancer is sympathetic and

harmony in their home.

attached to people they keep close. Those born with their Sun in Cancer are very loyal and able to empathize with

Cancer - the Brave Crab Sent to this Earth by something

other people's pain and suffering.

they believe in, only to mess with someone bigger than they are, this isn't an animal aware of their strength. Patriotism

The sign of Cancer belongs to the element of Water, just like

can make them endanger their own wellbeing, fighting for

Scorpio and Pisces. Guided by emotion and their heart, they

someone else's cause, as if others can become their higher

could have a hard time blending into the world around them.

power. The Crab knows where they're going, but this is often

Being ruled by the Moon, phases of the lunar cycle deepen

in a wrong direction, at least until they learn their lessons

their internal mysteries and create fleeting emotional

and start relying solely on themselves.

patterns that are beyond their control. As children, they don't have enough coping and defensive mechanisms for the

Cancer Friends And Family

outer world, and have to be approached with care and

Friends - When it comes to friendships, Cancer representa-

understanding, for that is what they give in return.

tives will gladly connect with new social contacts, but are extremely sensitive of people not approved by their closest

Lack of patience or even love will manifest through mood

surrounding. Filled with respect for people they communi-

swings later in life, and even selfishness, self-pity or

cate to easily, they see all contacts through their emotional

manipulation. They are quick to help others, just as they are

prism rather than simple curiosity or status. Most of all they

quick to avoid conflict, and rarely benefit from close combat

enjoy socializing at home, where intimate atmosphere can

of any kind, always choosing to hit someone stronger,

be made and deep understanding shared in circumstances

MBE BUSINESS MAGAZINE JULY 2022

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

under their control. Intuitive and compassionate, they are

in love. Once her trust is earned, she will be passionate and

sometimes impossible to understand from an extremely

loyal. In order to seduce her, one has to be proactive and

rational point of view.

make the first move, respecting her need to be treated like a lady. She is not the right choice for someone in search for a

Family - Cancer is the sign of family and these individuals

one-night stand, and needs more from her partner than just

care about family bonds and their home more than any other

casual encounters. Romantic and ready to love, this woman

sign of the zodiac. Deeply sentimental, they tend to diligently

needs a romantic partner who believes in love, while also in

preserve family memories, keeping them intact for years.

tune with her unspoken feelings.

When their personal lives are fulfilled, they make wonderful, caring parents that seem to know how they children feel even

Despite her cautious nature, a Cancer woman is deeply erotic

when they are miles apart.

and when feeling secure to show her true personality and emotions, they will be expressed through an incredible sex

Cancer Career And Money

life. To have lasting relationship with a Cancer woman, she

When a job needs to get done, a Cancer will roll their sleeves

needs someone faithful, respectful and honest, for doesn't

up and finish it successfully. If they are left alone to work, they

forget betrayal and becomes very rigid and unpredictable

usually perform better than when surrounded by other

when hurt.

people, loyal to their employer and focused on the task. They will have great careers as nurses, housekeepers, gardeners, politicians and decorators. For Cancer representatives, security and money are of great importance and stand for the real reason they work as much as they do. They easily earn money and aren't used to spending it all in one day. It is their goal to save, invest, and watch their investments grow daily. Resourceful and good at managing time and finances, this is a sign that is often in charge of all money in the household, keeping their partner or other family members under control.

How To Attract The Cancer Man A Cancer man is conservative just enough to know that initiative is important, but often fails to show it before he feels safe to do so. His partners need to make the first move, but still doing it subtly to let him still feel like he is leading the way. This is a complex individual, very sensitive, shy and overly protective of his loved ones. When he prefers women, he will subconsciously search for the ideal wife and mother. A Cancer man is an emotional person, who loves to take care of other people. He wants to feel needed, and protective, receiving a lot of attention from his partner through kind words and subtle concerns and compliments to make his day. Although he can be moody, pessimistic and clingy, he is a creative and generous partner in search for someone to share a life with.

How To Attract The Cancer Woman Cancer personality can be quite complicated, but deep inside they are home-loving and conservative people. A Cancer woman is vulnerable, emotional, and not likely to quickly fall

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

MBE BUSINESS MAGAZINE JULY 2022

THE MOST COMMON HEALTH CONDITIONS RELATED TO OBESITY DMM DEPARTMENT MB Enterprises

Obesity is a very common health

OBESITY & ITS DIFFERENT LEVELS:

environment are highly dependent on

condition in these modern times &

Obesity is measured or evaluated

the general eating habits of people,

relates heavily to abnormal weight

more closely and precisely in form of

for example a large number of people

gain or having a harmful amount of

levels that relates to Obesity, for

having preferences of consuming fast

fat in the body or an unhealthy

example Obesity Level 1, Obesity

food as most common form of food

distribution of body fat. Obesity or

Level 2 & finally Obesity Level 3.

consumption while at work or during

being over-weight is something that

Hence, as the levels of Obesity

leisure. Other types of junk food that

raises the risks for several health

increases the risks to health complica-

have an increased level of cholesterol

complications which includes cardiac

tions also rises indicating the factors

are also not good for people’s eating

or heart issues & several other

involved that controls the obesity as

habits & generally the level of

complications that can be termed as

well as the overall obese environment

awareness needs to be increased to

health complications. The excess

that needs to be controlled. The

make a control over the overall obese

body fat is a massive reason that

dependencies of obesity are depend-

environment.

puts the strains on the bones and the

ent on the obese environment or the

organs. Obesity is also an immense

environment that needs to be

The following are the most common

cause of some complex changes in

controlled, generally if the obesity

health complications that are related

hormones, the metabolism as well as

needs to be controlled more realisti-

to obesity.

indicated the inflammation of the

cally. To be more clear and concise,

body.

the dependencies of an obese

MBE BUSINESS MAGAZINE JULY 2022

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1. HEART DISEASE:

over-weight have a higher probability of having a sleep

The heart diseases are more prevalent in people with

apnea as over-weight causes more lethargic attitude as well

obesity. Scientifically, with the passage of time fatty deposits

as increases sleep problems at the same time breathing

may accumulate in the arteries that supply the heart with

issues while having a sleep. The most precise and common

blood. People who have Obesity or those who are on the

reason is that because they tend to have more fat stored

initial stage of developing obesity have higher than normal

around the neck, something that makes the airway shrink.

blood pressure, low-density lipoprotein (LDL) cholesterol,

Obviously, a smaller airway can easily cause snoring issues

blood sugar and triglycerides, all of these contributes to heart

and immense difficulty while breathing at the night.

disease. The main cause that leads to heart attacks and problems

4. A CAUSE OF DEPRESSION FOR MANY PEOPLE:

related to heart are the arteries that become narrow. The

Obesity is a cause of depression for many people who are

blood clots in narrow arteries can easily result in a stroke.

unable to digest weight issues or those who get more sensitive while thinking of their weight. There are many

2. STROKE:

studies conducted in the continent North America that shows

The heart disease & the stroke share many of the same risk

a strong correlation between obesity and major depressive

factors. A stroke can occur in case if the blood supply to the

order. Depression also occurs in people as they face

brain is cut off. A stroke can also cause damage to the brain

discrimination based on the size of their body which can also

tissues while resulting at the same time in a range of

lead to feeling of grief or having a lack of self-worth.

disabilities. These various disabilities also includes speech,

The depression that relates to levels of obesity also leads to

language impairment, weakened muscles, reasoning skills

decreased level of self-confidence as well as lowers self-es-

and finally bringing changes to thinking.

teem on vital occasions & when it matters most. The best

According to a recent study based on results from a sample

thing if you are experiencing depression due to obesity or

of 1 million participants. It revealed that obesity increased the

similar symptoms, you must consult your doctor for a referral

risk of stroke by a massive 68%, which is indeed conclusive

to a mental health counsellor.

why obesity is not a good health condition for the brain. All these health complications & mental stress that are linked

3. CAUSES SLEEP APNEA:

with obesity can be encountered by keeping a track of your

Obesity while seriously is not good for heart & can also be a

weight & regular exercise along with regular checkups. Best

cause of a stroke, at the same time it causes a sleep apnea.

results shall depend on following a strict fitness routine &

Sleep apnea is a sleep disorder in which someone may

exercising according to the level of fitness you want to

momentarily stop breathing during the sleep. People who are

achieve. Mental fitness is also highly linked with physical fitness.

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

MBE BUSINESS MAGAZINE JULY 2022

WOMEN IN BUSINESS ‘Key advantages & opportunities for women in future’ DIGITAL MEDIA MARKETING MB Enterprises

The role of women in business has

UK, before Theresa May, with an era

of women with an attitude of a leader

changed since their role in the early

that lasted 11 years and 208 days as

as well as a pure professional in any

years before the era of women

the PM of United Kingdom. A massive

field, leave alone the business world.

empowerment. In fact, the attitude of

example of women as a leader as well

It’s the ideas that counts & how

women business leaders behind the

as an example for those entering the

creatively can someone turn their

advantages & the opportunities for

world of business as most committed

ideas and nurture them for success in

women means a lot to business

business women & leaders in their

business world. ‘Women Entrepre-

women & women leaders all over the

dedicated fields.

neurs’ is yet another common terminol-

world. How can someone forget Lady

ogy that demonstrates the importance

Thatcher, the longest serving Prime

Bringing enhancements to the role of

of women in business & making their

Minister of United Kingdom from the

women as professionals while

prospects in the vast business world.

20th Century, and the seventh longest

improving the role every day. ‘Women

overall as Prime Ministers of UK. She

of substance’ is yet another common

Women these days are far more

has served as the only women PM of

terminology that shows the potential

professional while having a positive

MBE BUSINESS MAGAZINE JULY 2022

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

attitude for what they want and how they want it. Women are

for the rights of women which have been realized at a far

far more goal-oriented and target oriented with an improved

higher level in this modern era of empowered women in

vision than it was before. Isn’t it revolutionary in terms of the

business & politics.

impacts as well as the magnitude of impact that demonstrates their level of seriousness & their passion for success?

Making useful commitments to things like equitable gender representation, inclusive company culture as well as work life

ADVANTAGES OF WOMEN IN BUSINESS – ‘AN ADDED ADVANTAGE’:

balance that includes paternity & maternity is all part of the

1. A Diverse Workforce is the need of the hour:

tions to attract top talent in the industry, irrespective of being

An added advantage that is dedicated to women in the

a man or a woman.

organizational benefits. These benefits also helps organiza-

corporate & business world is bringing diversity to the modern workforce. It’s the need of the modern world that a workforce

2. Entrepreneurship as the Path to leadership:

or a work culture shouldn’t be like more men, less women,

For a growing number of women, especially in North Ameri-

neither more women less men. However, something with a

ca, the fastest route towards women empowerment at its

ratio of 52:48 or vice versa, i.e. staying close to the ideal

maximum is launching their own business. In USA alone, the

balance is highly needed. It not only brings cultural diversity

women-owned business, another common term has grown

to the workforce, but also brings gender diversity which is

significantly to 70% since last 20 years. These stats are

needed for a work culture which is well-disciplined, cultured

highly significant which means 1.5 times the national

and suits the modern needs of a professional working

average.

environment. Diversity, which not only includes cultural diversity, but gender diversity as well as race diversity is a

Hence, entrepreneurship has been identified by the women in

massive source of fostering creativity & innovation at the

United States as well as the rest of North America as most

workplace. Yes, it’s a fact, from PWC, i.e. Pricewaterhouse-

common pathway to leadership. A phenomenon that has

Cooper to Disney & L’OReal, the organizations across the

helped in creating many business leaders that are women

industries are seeking more & more to take advantage from a

and are a growing inspiration not only for women, but also for

diverse & inclusive work environment.

men as their followers. Importantly, entrepreneurship represents a path for women to close the pay gaps & rise to

2. Women Excel at The Soft Skills Needed For Business

the leadership positions on their own terms.

Leadership: Women these days excel at the soft skills that are a pre-requisite for business leadership. These skills not only includes the technical skills, but also communication skills. While the technical skills and the knowledge are a fundamental for the career success these days. The CEOs all over the world cite soft skills as the most desirable professional attributes. Women these days excel in soft skills and emotional intelligence which may prove a key competitive advantage for women in business. Thus, it makes them stronger & more professional, especially regards to the levels of communications. According to a 2016 study that was published by a global consulting firm Hay Group found that the women outperform men in 11 out of 12 key emotional intelligence competencies.

KEY OPPORTUNITIES FOR WOMEN IN BUSINESS: 1. Gender Equality As A Work Policy: While we have shed decent light on the advantages of women in business, it’s important to realize the opportunities for women in business that are growing every passing day. Gender equality as a common work policy in most workplaces means a huge opportunity for women to excel in business and at the same time at the workplace. It’s a policy designed W W W. M B E F O RYOU. C O M

MBE BUSINESS MAGAZINE JULY 2022

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 JULY 2022

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Nunavut Day - ‘9th July 2022’ “A Holiday For The Largest Canadian Territory” DMM DEPARTMENT MB Enterprises

The largest territory of Canada, i.e. Nunavut is a land that

SIGNIFICANCE ATTACHED TO NUNAVUT DAY- 9th JULY:

comprises of 1/5th of Canada’s total land mass. Most of the

The vital significance attached to the Nunavut Day is the day

Nunavut is covered in Ice with temperatures of -30C consid-

the parliament of Canada passed the Nunavut Act. Along with

ered as a good day for the inhabitants. Yes, it’s a fact surpris-

the Lands Claim Agreement, it officially declared Nunavut as

ingly as -30C could be considered as a nice January day,

a distinct region that is legally separate from the Northwest

however, for people living 2,350 Kms South in Greater

Territories. The Act was originally passed on 1st April 1999,

Toronto Area, that kind of chill weather could create an

but later the Nunavut day was switched to 9th July since

extreme weather warning from Environment & Climate

2001. On this day, people stay at home especially the offices

Change Canada. For Nunavut, the extreme cold weather or a

remain closed along with transportation. It’s not only a day of

weather warning is somewhere close to -50C which is in

significance for the people living there, but also emphasizes

Iqaluit, which means local schools must shut down if it

that the people of Nunavut belongs from Canada and are part

persists for at least few hours. However, for the rest of the

of the great nation starving for nothing but love & emotional

Nunavut, the weather warning threshold is -55C and that

bonds. It’s not an officially recognized province, but the

temperature must also persist for at least two hours for the

existence of Nunavut as Canada’s largest territory can never

official issue of a weather warning in the largest Canadian

be ignored.

territory. A simple example is that a temperature of -50C in Iqaluit warrants an extreme cold warning, while the same

The celebrations that takes place on this day are iconic with

temperature recording in Baker Lake doesn’t. It not only

vital speeches by the local leaders, communal meals,

shows the size of the territory Nunavut, but also the weather

traditional dances and singing, barbecues, games, history

variances & the extreme cold that is a common factor in

presentations, and thinking about the future of the territory

Nunavut territory.

and more. There are grants that are awarded to the students on the basis of their performances and for those who wish to

Nunavut Day, is a celebration for the people of Nunavut and is

pursue post-secondary academic programs. Cultural grants

celebrated as an official holiday in the whole territory. The day

are also awarded to those who are aspirations for the territory

is celebrated every year on the 9th of July as it will be

and promotes cultural values dedicated precisely for the

celebrated this year as well. This is since 21 years when it

Nunavut territory. The winners of these prestigious honors &

was decided in 2001 that Nunavut Day will be celebrated on

awards are on the basis of promotions and for preserving the

the 9th of July, instead of its original celebration that used to

Inuit Culture. The common languages that are spoken in

take place on the 1st April before 2001.

Nunavut includes English, French, Inuktitut & Inuinnaqtun, while English and French being the international languages,

MBE BUSINESS MAGAZINE JULY 2022

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

however, the rest of the two are local languages spoken by

4. Nunavut Act Passed (1st April 1999):

the people of Nunavut. All in all it’s a day that is more for the

The Nunavut becomes its own completely distinct territory

locals than those who are outside of the territory Nunavut.

according to the Nunavut Act that was passed on 1st April 1999.

THE NUNVAUT DAY TIMELINES: 1. Northwest Territories Established (1870s):

5. Celebration of Nunavut Day Switched (2001):

The Northwest Territories cover massive amounts of many of

The day was originally celebrated on 1st April 1999, was later

the Western provinces of Canada including what is known as

in 2001 switched to July 9.

Nunavut. It will officially be the 21st anniversary of the Nunavut Day 2. Land Claim Negotiations Begin(1976):

since its switch to new date in 2001. However, the day brings

The Inuit Tapiriit Kanatami enter in to Land claim negotiations

joys to the people of Nunavut & for the people of Canada it’s

with the Govt. of Canada. The Govt. sets down the framework

a reminder that Nunavut is a remote & isolated yet the largest

for Nunavut seceding from the Northwest Territory.

declared territory of Canada.

3. Nunavut Land Claims Agreement Established (9th July 1993): This is an agreement that was established on 9th July 1993 and according to the agreement it gives the Inuit some portion of the Northwest Territory that were considered separate from the rest.

MBE BUSINESS MAGAZINE JULY 2022

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WHERE BENEFITS MEET REWARD

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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

HOSPITALITY TRENDS THAT WILL CHALLENGE MANAGEMENT IN THE YEAR 2022 DMM DEPARTMENT MB Enterprises

The hospitality trends that will

The test has been mainly due to the

building & coming up with a slightly

challenge management in 2022 in

health & safety protocols that were

flexible approach according to the

Canada are the ones on whom the

strictly monitored and maintained in

circumstances. These are circum-

hospitality industry depends on a

2020 & 2021. However, they still need

stances that can change while we

much larger basis. Hospitality

to be monitored & maintained for

appreciate aggressively that if the

industry is all about trends coming

much better results this year. As a

change is vital, it needs to be there.

from the past years & how well the

matter of fact, there has been a huge

Hence, implemented in the hierar-

trends are taken care of depends on

change that is noticed in the last

chies with a far more practical

the attitude of people involved in the

couple of years & the trends have

approach for best results.

hospitality sector. As far as the trends

shown a slight swing towards the

are concerned and its basis for the

strict implementation of safety

Analyzing the trends more practically

management decisions, it was

protocols. These are protocols that

in the hospitality sector is an integral

struggling in the year 2021, due to

needs to be monitored & maintained

part of the dynamic management

the pandemic COVID-19. As far as

for much better & positive results.

strategies.

test for the hospitality trends this year

According to the ideologies and

as well due to the COVID-19 variant

theories of change management, the

1. The Role Of Technology Has Grown Along With The Risks:

which is known as Omicron.

trends are a sensitive part of strategy

The role of technology has grown

2022 is concerned, it will again be a

MBE BUSINESS MAGAZINE JULY 2022

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

overall in almost all sectors due to many reasons that are

trends have taken a new shape towards a better & effective

obvious. Tech solutions continue to transform the hospitality

workforce.

industry since many years. As an example, let’s start with the POS or Point of Sale systems that are systems that adds

Hospitality industry, having a link with the tourism sector has

speed and efficiency to the sales process. This is apart from

shown improvement due to the trends. Management needs to

inventory management & the cash flows. It is also predicted in

be more decisive in terms of making key decisions. Hence,

2022, the cyber-attacks will surely continue to show a

decision making needs to be more authoritative, more

downward slope. Thanks to the increased amount of efforts

confident & according to the industry demands.

that are done overall by the organizations, i.e. ranging from firewalls to employee training to data avoiding breaches. As far as cyber security is concerned, and as far as trends will going to shape-up it’s the technology that will be a huge turning point, especially for sake of preventions of cyber-related crimes. Apart from being aware of the cyber-crimes, there needs to be an awareness of a high level regarding the cyber insurance coverage i.e. a cover for all types of possible cybercrimes.

2. Always Be Ready For Disruptions From The Climate Change Weather Events: In the hospitality industry, especially in Canada, a weather warning doesn’t comes with customers in the best of ways. However, if you are highly aware of the current trends, the weather disruptions will not going to hurt you apart from the mental hurt, if you are part of the management or an owner of a hotel. As a key part of management in hospitality sector, it’s a huge responsibility of the management to bring in contingency measures regards to the emergency weather updates. Climate change is an issue that needs resolving & addressing at global platforms & issues related to climate change needs the best addressing of management, along with other CSR. Thus these are hindrances in North America as weather disruptions & extreme weather causing the rise in costs. Also, bringing interruptions in operations as well as reducing leisure & travel.

3. Bringing Improvements In Working Conditions & The Workers Pay Benefits: As far as bringing improvements in working conditions & paying the workers is concerned. Hospitality industry trends have shown an overall improvement in the way workers are being treated in terms of the worker’s benefits & their pay rises. It is highly likely that bringing improvements in the way workers are being paid shall attract more workers in the industry. An industry that has suffered due to job losses as well as low profitability margins in recent times, mainly due to pandemic. It’s not about the workers, it’s about quality workforce that is needed in the industry in Canada & they are coping well as

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

MBE BUSINESS MAGAZINE JULY 2022

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MBE BUSINESS MAGAZINE JULY 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

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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

Phone: 1-844-894-7328 Email: info@greatpos.ca

TETRA Desk 5000

$10.00

TETRA Move 5000

$15.00

Website: www.greatpos.ca

MBE BUSINESS MAGAZINE JULY 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.