HAPPY LABOUR DAY 2022 - MBE BUSINESS MAGAZINE

Page 1

ISSUE 81 | SEPTEMBER 2022 THIS MONTH FOCUSING ON HelpEverywhereWanted Canada Announces A Huge Investment Benefits Of Accounting Software

HOME INSURANCE A quality home insurance coverage will allow you to protect the things you value. At Insurance Tiger, we will help you find the best home insurance coverage in Ontario. Fast turn around quotes on: Overland Water Coverage High Value Homes Single Limit of Insurance Coverage Cash Settlement Property Policies Umbrella Policies Multiple Rental Properties Multiple Family Homes Take advantage of these discounts: Multi-PolicyMortgage-FreeNon-SmokerDiscountClaims-Free LIFE / TRAVEL INSURANCE Medical travel insurance is a must have when travelling outside your home province. Even a weekend shopping trip across the border or travelling across the world to meet family or a leisure trip could end up being a nightmare without the proper Medical Travel insurance. Protect your family for less than $1.00 a day Term Life Whole Life Disability Insurance Critical Illness Insurance Supervisa Insurnace Travel Insurance Visitor Insurance Health Insurance Solutions AUTO INSURANCE Insurance Tiger makes it easy to find the best auto insurance coverage in Ontario. Our insurance brokers will do the comparison shopping for you to find the best coverage and right amount of protection. Multi-Policy Discounts Uber HybridClaims-FreeNewLowTelematicFamilyStudentInsuranceDiscountsMemberDiscountsDiscountsCommute/MileageDiscountsBusinessDiscountsDiscountsVehicleDiscounts COMMERCIAL INSURANCE Protect your business! Grow your business! Over the years, Insurance Tiger has grown and prospered by paying attention to our clients. We have a strong commitment to giving personal service and providing competitive Commercial and Business Insurance products. Do you have proper coverage for your business? Commercial Auto General Contractor'sCyberHospitalityRetailProductsBusinessProfessionalEquipmentPlacesCommercialLiabilityPropertyofWorshipBreakdownLiabilityInterruptionLiabilityServicesLiabilityPackage 416-293-9495 • www.insurancetiger.ca Insurance Tiger owned and operated by Multirisk Insurance Brokers Inc. POLICYNOTDUEFORRENEWALYET?Pleaseemailusyourname,contactinfoandexpirydatetomyrenewal@insurancetiger.ca

47444239363128 Help Wanted Everywhere ‘An Observance On The 15th August 2022’ Canada Announces A Huge Investment In Zero-emission Buses Sustainability Trends In The Hospitality Industry In Canada 2022 How To Gain A Competitive Advantage & What Are The Best Ways To... Labour Day Canada – 5th September 2022 ‘A Holiday In Canada’ Benefits Of Accounting Software Useful To Grow Your Business How The Self-checkout Systems Has Transformed The Retail Industry?22201812090705 Dedication & Execution ‘The Tasks That Have Been Initiated... The Boss & MuskPredictionsThreeResponsibilities...Manager’sExpertHousingPriceExploredDramaANightmare It almost sounds like a joke, or... Event calendar September 2022 Canadian Small Businesses Face Continued CONTENTSStruggles... 52 BEST PROVINCES IN CANADA FOR INNEWCOMERSTHEARRIVING2022 26 EVERYONE’2022BIRMINGHAMGAMESCOMMONWEALTH‘GAMESFOR 54 INTERNATIONALTORONTO FILM FESTIVAL 8TH to 18TH SEPTEMBER, 2022 The Real Happiness Of Accomplishing An Important Milestone

.

For

In September, all of Canada celebrate Labour Day which falls on the first Monday of the Month which coincides with September 5th this year. Labour Day is a statutory holiday. The origins of Labour Day in Canada can be traced back to a printer's revolt in 1872 in Toronto when labourers tried to establish a maximum 54-hour workweek. At that time, any union activity was considered illegal and the organizers were jailed. Protest marches of over 10,000 formed in response. This eventually led to the Prime Minister Sir John A. Macdonald repealing the anti-union laws and arranging the release of the organizers as well. The parades held in support of the Nine-Hour Movement and the printers' strike led to an annual celebration. The date was officially declared as a national holiday in Canada on July 23rd 1894 by the government of Prime Minister John Thompson.

A traditional Labour Day event in Canada is the Labour Day Classic, a Canadian Football League event where rivals play on Labour Day weekend. In this issue, you will find contributing articles from many different personalities including the management team of MBE - Mr. Mansoor Naqvi, Mr. Mahmood Naqvi and 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.

Publisher MB Enterprises Editor-in-chief Aurora Zabala Senior Editor Peter Z. Vaisey Managing Editors SteveMahmoodMontgomeryNaqvi Design Cynthia Tolson A. Khan Production, Technology & Print SimonR.JWilson Advertising S. ShoeibHassanKamal Administration Alamdar Hussein Erum Asghar 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, PrintedCanada.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

Thank you, Aurora Zabala, Editor In Chief.

EDITOR'S LETTER Dear SeptemberReaders,ishere with the 81st edition of MBE Business Magazine

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. ad placements and marketing related queries, please email us at digitalmedia@mbeforyou.com

While some Labour Day parades and picnics are organized by unions, most Canadians simply regard Labour Day as the Monday of the last long weekend of summer. Families with school-age children take it as the last chance to travel before the end of summer. Some teenagers and young adults view it as the last weekend for parties before returning to school, which traditionally begin their new year the day after.

Finished’

It’s the dedication & execution of things, once started that is the topic of discussion, or something that needs to be pondered upon. A simple & very lucrative example that relates is regarding the Autobiography. Something that started in form of a plot of past happenings & events have been accomplished & penned down. A message that one must always remember for future payoffs in form of rich dividends is that what has been started must finish with a positive strategy.

In the middle of the writing of the autobiography, there were moments where thoughts & motivation was a bit lost. However, it was the fueling of dedication, commitments & realizing my efforts for what I have done where I am today is something that helped me accomplish the journey. It’s similar to the way that you plan your journey & you are diverted by things or hindrances. You might lose some time, some commitments & finally some motivation & concentration. However, you can’t lose your destination, unless you stay there on the highway of success. Obviously, as a keen traveler you can’t just relax in the middle of the journey. You got to be there sooner rather later.

Initiated

Dedication is a huge necessity for the successful accomplishments of things, whether they are a necessity for a company’s common goals, otherwise, to make a habit of accomplishing tasks on time & with the desired dedication. Dedication counts precisely for the amount of hard work that is needed for successful accomplishments of things. It simply helps you find a journey, find your goals, & find yourself in the middle of the task. That is, where exactly you are standing for the accomplishments of your goals.

DEDICATION & EXECUTION ‘The

An example of how I penned down my life is something that was executed for the sake of good results. Ultimately, the passion to accomplish things as you make decisions proved far more successful as well as a good habit of success. It demonstrates how success comes & execution & implementation is a key aspect while achieving success. Tasks That Have Been Must Definitely Be

Life Is Short, Make A Decision & Execute For Good Results: Making plans is a positive thing, something that gives you the desired direction. However, what’s more optimistic is the vision to make a decision & come to the point straight away. This is how the most effective people think, believe & react to situations that have a tendency to get worse. For the most optimistic results, one should be more proactive, rather than being reactive & waiting for things to happen. Results should come automatically, once the efforts are aligned & your goals are set for far better executions.

Why Dedication Is a Necessity For Successful Accomplishments?

To achieve a goal one must first aim, make a strategy to achieve the thing, just plan a timeline & finally execute the task. As most successful people believe, task management is an aspect that is accomplished with good time management strategies.

SYED MANSOOR NAQVI PRESIDENT MBE

05 MBE BUSINESS MAGAZINE SEPTEMBER 2022 WWW.MBEFORYOU.COM

There Is No Formula For Success: Is there a formula for success? To be frank, there isn’t one exactly. However, there is one formula for consistent positive results & that’s dedication. Your consistent approach towards being dedicated & committed means you can’t lag behind once you are equipped with dedication.

06 MBE BUSINESS MAGAZINE SEPTEMBER 2022 WWW.MBEFORYOU.COM

Let’s assume that things are hard to accomplish once they are not merged for successful results. These two aspects includes ‘dedication’ merged with ‘execution’. The absence of any one of the two while you plan your daily tasks & activities or weekly tasks or even monthly agendas, ends up making things weak & one without positive energies.

Merging Dedication with Execution for Successful Results:

Some people like to bring in their own patterns of success & make their own formula for success. Whatever works for them. However, there are not many who can find success without dedication. Synonymously, the commitments that are true commitments. Whether you are working in an office 9-5, whether you own your own business or franchise or whether you are thinking of launching yourself in the business world but looking for the right and bright time, results will surely arrive automatically with the ingredients of dedication and execution.

The next big thing on the list is direction, as if you can’t find success even if you have dedication, than obviously, you need a direction. Lastly, the execution of things in the right & positive directions.

The dedication for completing the YouTube videos, shall only be accomplished with planned executions. Something, which shall bring a heavy involvement of hard work for success.

What are the things that needs to be discussed in the videos for You Tube, & how practical life is linked with all the videos, surely, is an aspect that needs dedication.

The boss & the manager’s responsibilities are highly proactive & highly structured in terms of maintaining the discipline. It’s the boss, i.e. the CEO or the owner of a company who is governing the organization with the vision in their minds as they know well how to make their managers react to different situations. A company or an organization is not on the suffering end when the boss knows well that the agendas are being achieved in their desired manners. A boss plays a massive role in making an environment friendly & highly trained for work patterns. Apart from creating a friendly environment, it’s the discipline as well as maintaining

Vice President | MB Enterprises

NAQVI

the energies that shall be the top most priority of the management to create.

07WWW.MBEFORYOU.COM MBE BUSINESS MAGAZINE SEPTEMBER 2022

CREATING FRIENDSHIP BETWEEN PEERS: It’s a part of the role of the boss & management that a climate of friendship is created amongst the peers. The peers can even be the managers of the team & the team members while the friendship acts as a platform of trust for future relationships. Hence, its relationship management on part of the management to create a good rapport with their team while managing the team for better results.

DISCLIPINE ALL ACROSS THE COMPANY: Is it easy for the boss to maintain discipline all across the company in all the departments? It’s definitely something that counts while the company grows. We are talking about discipline in terms of the timings, discipline in terms of maintaining company culture & finally being

While we are so worried about the responsibilities being taken seriously, at the same time what's more important is how these responsibilities are shared within the organization. How the management can make a solid need analysis, i.e. make analysis of the needs of the employees with regards to their roles in the company.

The Boss & Manager’s Responsibilities of how to maintain discipline?SYEDMAHMOOD

THE RESULTS ARE ALWAYS POSITIVE ‘HOW TO BE A GOOD LISTENER?’

08 WWW.MBEFORYOU.COMMBE BUSINESS MAGAZINE SEPTEMBER 2022

HOW IT HELPS IN THE FUTURE?

The future is nothing but a shadow of the past & the past events. The strategy that is adopted by the boss & the managers helps in ways for the company to control the employees when looking forward in regards to the companies sustainability goals & requirements & making things sustainable for a longer time period.

managers must play a vital role of motivation & creating motivational values amongst the employees. It’s the motivation & the motivational vibes that counts for the employees, as for them, what’s important is that they achieve their Whenagendas.analyzing what employee's have in their minds, we have to understand their perspective. When looking at the hierarchy of an organization starting from the top down, it's hard to manage the system in terms of the organizations goals. Organizations need to understand that the first step to organizational success is to make sure each department and member know what the organizations goals are.

As part of the management priorities, what's important is to be a good listener. This is something the management must relationship of friendship & trust amongst the employees. It’s important for the employees to not only create a pattern of trust & friendship for the employees amongst the peers, but also in terms of one-to-one relationships with the management, i.e. boss & managers that are line-managers.

A CEO of a company is the father figure in an organization. As the head of a company, the chain of command starts from the top and works its way to the bottom. Similarly, the role of managers linked with their team members also works in a similar fashion. Using the federal government as an example where there's the Prime Minister, followed by the MPs, then the municipal MPs, there is also the same systems in place in private organizations. The head of the organization can’t get to every single person. That's why positions and bodies are put in place in order to hear all issues and eventually transfer their knowledge from top to bottom. This allows stability and responsibility to shift rather than be held up by single individuals. In this cycle, if you are at the bottom of the food chain, it is very important for you to be a great listener. Listening allows you to learn and to dedicate yourself to understanding your role all the while slowly allowing you to move up the corporate ladder. Secondly, discipline is also a very important trait if you are at the bottom of the food chain. Discipline across all areas will truly yield great results. At the end of the day, these are things that are vital for a professional organization to be successful in developing their culture.

SYED ALAMDAR HUSSAIN Country Head - MB Enterprises

Accomplishing an important milestone gives you the real happiness at every point of life. The timing of the accomplishment of the milestone is always key as milestone gives a person the real motivation as well as a sense of accomplishment. It’s like the happiness of reaching the finish line at the end of the race while winning the race or even finishing second or third.

Objectives, goals or milestones always matter while you are a business owner, a manager of a company in key role or an executive who is ambitious & passionate for work. With every role your passion can divert, or even vary however, your happiness should always be the same as it’s important that you get the same feel & motivation while you reach your targets. This is indeed a key aspect linked with the integrity to follow your milestones & make them your true success However,agendas.yourintegrity is debatable if you are not finding the true success of reaching your milestones. It shows that your involvement for a certain project or a task is lagging behind tremendously. Alternatively, you are just finishing your job or getting done with it as it needs to be done.

Don’t lose your focus so that at the end of the milestone you get the happiness that you are looking for. At every point of your journey the calculations that you make will make you realize the importance of contingency planning. As well as planning

MAKING CALCULATIONS THAT MATTERS: If you keep making useful calculations that matters in your journey, you won’t lag behind while accomplishing a key milestone. At the end of your journey it’s the realization of the fact that you have made the mandatory struggle for your journey that counts forward.

The Happiness Of Accomplishing An Important Milestone

09WWW.MBEFORYOU.COM MBE BUSINESS MAGAZINE SEPTEMBER 2022

Real

There is always room for improvement when you explore yourself while you achieve your milestones. However, it also depends on the type of work or field that you associate yourself with. The key is that you enjoy what you do & how you do it. If you are unable to find the happiness in accomplishing your objectives, than surely there is some block missing from the puzzle of life.

SUCCESS IS THE SOURCE OF HAPPINESS: As we move forward in the journey to get to our success agendas, we tend to realize the importance of success being the real & the ultimate source of happiness. Just as the pleasure a batsmen takes after getting to his century becomes the source of happiness for him. At the same time it makes his team closer to achieving success. It’s the way he plans his innings that provides him the sense of accomplishment. Truly, the sense of accomplishment matters & differs at every point of life.

10 WWW.MBEFORYOU.COMMBE BUSINESS MAGAZINE SEPTEMBER 2022 above all when you are really down & out in circumstances that can even hurt your milestone.

Apart from them being important it’s the challenges & obstacles that arise while you go for your milestones. All these challenges are a learning platform for the future progress & therefore another source of happiness while you get to your milestone. As they say every milestone will make you learn more, if you know how to achieve them successfully.

Give the necessary importance to your milestones as they are literally the key in your future agendas. They hold the dynamics that are necessary for your journey forward & that is a big reason why they are the real cause of the happiness.

On the road to success & while reaching your milestones you will definitely come across many challenges & obstacles that can even destroy you. They can also hurt your image of being a perfectionist while you achieve your targets. Thus, at the same time the challenges vitally improves your success agendas for your real happiness of accomplishments of your Challengestargets. also makes you more robust & far more ready to take on what’s coming to you. They surely help you investigate your hindrances towards achieving your milestones of life. It’s not only the happiness that matters at the end of the day, its real happiness that matters for your success.

THE DIMENSIONS OF CREATIVITY WHILE ACCOMPLISHING YOUR GOALS: Enhancing your dimensions of creativity while you accomplish your goals is primary. Being creative & finding different ways to achieve what you need to is yet another dynamic source of happiness. It truly signifies & purifies your efforts towards the accomplishment of your objectives. Keep improving your creative dimensions & your level of happiness with your work & accomplishment of goals will surely improve one way or the other. It is similar to the relationship between demand & supply and the way you acknowledge the demands in a highly competitive market.

MILESTONES ARE KEY IN FUTURE AGENDAS:

HOW CHALLENGES IMPROVES YOUR SUCCESS AGENDAS?

Our Services Call now! +1-866-667-1377 info@mbaccounting.caaccounting.mbeforyou.com104-100 Dynamic Drive, Toronto, ON M1V 1-866-204-68885C4 EXPE R T A D V IC E , DISTINC T SKILLS & R IC H EXPE R IENC E TPERSONALAXRETURNASLOWAS $20 TCORPORATEAXRETURNASLOWAS $150

many people make correct predictions, just as many or more make the wrong predictions. Today especially, investors are eager to see where the real estate market is headed. Following two years of rapid growth, economic forces and policy changes are eroding some of the progress we have seen, and buyers and investors alike are becoming wary. Though no one can truly say where things are headed, trained economists are perhaps more suited to make educated housing market predictions. After all, it is their job to actively monitor and analyze the market. Today, we will examine the predictions from three major market analysts to get a broad sense of where things may be headed. Three recently released housing market forecasts, one from TD Economics, one from RE/MAX, and one from the Canada Mortgage and Housing Corporation, each paint a similar but unique picture of our path forward.

The largest cited factor in this pullback is unsurprisingly monetary policy changes by the Bank of Canada, particularly in interest rates. Already the interest rate has increased by over two full percentage points this year, and TD predicts continued increases up to at least 3.75%. The increased cost of borrowing will force many Canadians to look for less expensive homes, putting downward pressure on home prices and sales. From Q1 2022 to Q1 2023, TD

trajectory of home prices and home sales nationally and within each province. The report was compiled by Rishi Sondhi, an economist with a long history working in the real estate field. TD Bank, as one of the largest financial institutions and mortgage lenders in the country, is on the pulse of Canada's economic progress and releases regular reports on the topic.

Canada is in Store for a Short-Term Housing Decline

12 WWW.MBEFORYOU.COMMBE BUSINESS MAGAZINE SEPTEMBER 2022

The overall forecast from the report is a significant decline in Canadian home prices and sales through 2023. In fact, the bank has "downgraded [their] home sales and price forecasts significantly" compared to just March of this year.

Three expert housing price predictions explored

Meanwhile, provinces that have remained relatively more affordable will fare much better in a correction. The biggest winners in TD projection are Manitoba, Saskatchewan, and Newfoundland and Labrador, because it is predicted that they will see modest increases in 2023 up to about 2.3%.

13WWW.MBEFORYOU.COM MBE BUSINESS MAGAZINE SEPTEMBER 2022 predicts an overall decline of 33% in Canadian home sales. After this point, they expect sales will stabilize at these new lower Alongsidelevels.a drop in home sales, they predict a similar reduction in house prices, up to a 19% decline over the same period, after which point they may begin once again to rise modestly. Provincial Forecasts are not Created Equal The national figures can only tell us so much, as it represents an average of multiple very different real estate markets. Looking at the provinces individually, TD predicts some to fare much better while others will see an even greater decline.

RE/MAX, as one of the largest real estate brokerages in the country, knows a thing or two about housing markets. In partnership with Benjamin Tal, Chief Deputy Economist at CIBC Capital Markets, they have released a report detailing the 5-year outlook of housing in Canada.

Alberta is also expected to decline a modest 1.2% for similar reasons.

In the short term, despite a national predicted home price growth of just 0.4%, nearly all provinces are expected to see year-over-year increasing values in 2022 despite recent month-to-month decreases. The largest growth will be in New Brunswick (19.8%), Nova Scotia (18.2%), Manitoba (13.5%), and PEI (11.1%). Meanwhile, Ontario and British Columbia will see some of the lowest growth at 3.8% and 3.2%, Despiterespectively.high growth potential in some markets, the relative market share of areas like Ontario and BC brings the overall growth average down. Looking forward to 2023, most provinces are predicted to see a decline in price and sales. Overall, areas with some of the highest price increases over the last two years, such as Ontario, BC, and Nova Scotia, are set to see some of the largest declines in response to affordability woes.

RE/MAX 5-Year Housing Outlook

The Decline must be Contextualized against Record-High Years

Though TD predicts significant decreases in sales and prices across the country into the end of next year, it is worth noting that these prices are measured against previous years' standards. Given the rapid expansion seen in 2021, it is natural that we may not see the same growth in subsequent years, and overall figures will remain above pre-pandemic Itlevels.isalso

worth noting that in terms of market corrections or turnarounds, TD’s two-year time frame for things to turn around again is minor compared to the decade-long downturns that have been seen in the past. Ultimately, it’s not a perfect outcome but far from the worst possibility.

Finally, we have a recent report from the Canada Mortgage and Housing Corporation, Canada's national housing agency and a

Effects of Immigration Policy

Based on a survey conducted as part of the report, RE/MAX found that of Canadians polled, the largest concerns expressed were taxation (50%), rising interest rates (46%), and an economic recession (42%). Add to this the unfolding Russian invasion of Ukraine, and you have a complete list of what RE/MAX sees as the major factors that will influence our economy and housing for the next five years.

14 WWW.MBEFORYOU.COMMBE BUSINESS MAGAZINE SEPTEMBER 2022

Another section of the report is concerned with Canadian immigration policy. Immigration plays a huge role in our housing market but presents something of a double-edged sword. On

Despite the supposed rumours of such a tax, the report cites only one source, an article from Global news that explores a remark from former conservative leader Erin O'Toole. O'Toole, in a debate, claimed that Prime Minister Trudeau wanted to tax primary residences, citing the liberal election platform. O'Toole was lying, and no such proposal appeared on the platform. Trudeau later decisively claimed: "We will not do that. That is something we are not interested in doing."

In a second scenario, the Bank of Canada could overshoot the ideal pace of rate increases, a situation which Tal notes has caused recessions in the past.

Finally, the report looks at taxation and its effects on housing over the next five years. The primary concern of tax as it relates to housing is the potential for the government to remove the primary residence exemption for capital gains on home sales. According to the report, while this may cool the market, it would also "truly disrupt" the housing market and "upend the retirement plans of millions.”

While it may be dubious to claim that such a tax is impending, it would be far from the first time the government has said one thing and done another. Therefore, it is not a terrible idea for investors to be aware of the impacts of such a scenario.

“If we start to see interest rate increases twice per quarter or eight times a year to curb inflation, for example, then we could very likely fall into recession,” says Tal, highlighting the potential for a housing market disruption. “Not only would demand fall significantly, but so too would the capacity of existing homeowners to sustain the borrowing costs of their homes.”

On interest rates, Tal notes that “The enemy of the housing market is not high-interest rates [...] It is the pace at which those rates increase that is a big risk to housing."

Taxation and Housing

Interest Rate Effects

In one scenario, Tal predicts inflation to begin easing in the fourth quarter of this year, and should it not, he foresees continuing moderate interest rate increases. The effect on the housing market will be more calm conditions, with prices still relatively high due to high demand and a lack of supply. Under this scenario of a slow and gradual rate increase, they see little cause for concern in the stability of the Canadian housing market.

Tal sums up the issue: “Currently, Canada’s federal immigration policy does not link with the country’s labour market needs and that will be a mounting problem in our capacity to build enough homes to meet the high demand over the next five years. It’s all fine to table policy to improve our national housing affordability crisis by promising to build more homes and affordable housing — it’s critical — but it’s superfluous when you don’t have the skilled workers to build it.”

the one hand, new Canadians will need homes like anyone else, increasing housing demand. On the other hand, immigrants may help to fill crucial roles in areas like the skilled trades that help to create more housing supply. However, the report notes that this will require a change to the current immigration policy in place.

They note that to soften the blow, the government should prorate this tax based on how long the home was owned and encourage an influx of supply to the market as homeowners sell to lock in their retirement funds. On the other hand, however, this could also inhibit the transfer of wealth from older to younger generations, which has represented a significant way that young Canadians have been able to afford homes.

CMHC - The Road Ahead

The report comprises two hypothetical scenarios that could arise: a moderate interest rate scenario and a high-interest rate scenario. Under the moderate scenario, interest rates would increase to 2.5% (which, since the time of this report, has become a reality) and remain at that level into 2023. This level, CMHC indicates, needs to be sufficient to control inflation but would be "neither stimulating growth in the economy nor causing it to contract."

They predict home prices to begin to climb again in 2024, though note that elevated housing market prices will persist. This, in turn, may significantly affect the rental market, increasing rents and reducing vacancies.

foremost source of housing data and reporting. Their report, The Road Ahead, attempts to forecast how different policy changes and economic scenarios will affect Canadian housing.

The report is compiled in part by CMHC chief economist Bob Dugan.

Despite increased construction costs, the report hopes that elevated housing costs will nonetheless motivate continued housing development if at reduced levels from their 2021 peak.

Finally, the report notes some unpredictable factors that may worsen the outlook. One such factor would be the continuing costs of conflict in Europe. Another may be a subsequent severe outbreak of COVID-19. The report predicts either of these would keep inflation high and necessitate even further tightening of monetary policy. At its worst, they predict this could lead to a period of stagflation.

15WWW.MBEFORYOU.COM MBE BUSINESS MAGAZINE SEPTEMBER 2022

A Tale of Two Interest Rates

Factors that could Worsen the Forecast

Overall they conclude that uncertainty may yet persist in the short term, and no clear path forward can be safely concluded just yet.

The Overall Picture

At this point, economists agree that we must soon pay the price of the unprecedented economic scenarios seen during 2020-2021. However, in their best-case predictions, we are on track to avoid any major disasters, at least in housing. Despite the ever-present threat of the Canadian housing market crash, the economists in the know seem not to give the idea much thought. But, a general sense of uncertainty and uneasiness still exists. If the last two years have proven anything, it is that the unexpected is not the same thing as the impossible, and sometimes even the best-intentioned guesses can be wrong. It is important for investors to do these sorts of comparisons and to consult multiple sources to take a general trend of the market sentiment, rather than to take any one analyst's word as gospel.

There are three prevailing trends in these reports: a short-term decline in Canadian housing, an eventual bounce back, and a general sense of uncertainty.

The second high-interest scenario would see interest rates rise up to 3.5% to intentionally slow the economy and dissipate excess demand. After some time, they imagine the bank returning the rate to the stable 2.5% level. In both scenarios, mortgage rates for both fixed and variable mortgages would increase – the higher the interest rate, the faster and greater the increase in mortgage rates. At the same time, increased rates also increase construction costs, constraining the housing supply. These factors and the inflated unaffordability seen in the last two years led CMCH to predict a housing downturn by mid-2023. In the low-interest rate scenario, this downturn could mean a decrease of up to 3% in prices by the middle of next year. In the high scenario, the decline would be closer to 5%. Housing sales will also see a downturn, with expected declines of 34% and 29% in the high and moderate interest rate scenarios.

The bottom line is that the next couple of years may be painful and turbulent, but it seems the light may already be appearing at the end of the tunnel. Investors who take stock now or who focus their sights on long-term goals will have the best chances to come out strong on the other side.

Address: 104-100 Dynamic Drive, Toronto, ON M1V 5C4 Ph: Web:Email:Fax:1-866-667-13771-866-204-6888atm@mbeforyou.comatm.mbeforyou.com ADD A FREE ATM! INCREASE FOOT TRAFFIC GENERATE EXTRA INCOME FLOW ISO PROGRAM: If you are an Independent Sales Organization, we can offer fully serviced ATMs for your client-base with a commission sharing agreement. PARTIAL PLACEMENT: With this program, you just need to keep the ATM machine supplied with cash. Any money that customers withdraw is automatically redeposited into your bank account every 24 hours. FULL PLACEMENT: With this program, we take care of everything for you including cash management. You never have to worry about anything related to the ATM.

Call 647 832 7265 Website: www.mansoornaqviteam.com Email: syedhassan@royallepage.ca Address: 200 Consumers Rd Suite 100 and Unit 103 - 100 Dynamic Drive, Toronto, ON Get In Touch With : EXPERIENCE OFCLUBAFFORDABLE,CASUAL,COUNTRYLIVINGINTHEHEARTHORSESHOEVALLEY. C LOSE WITH ONLY 5% Downpayment Ready to Move Townhomes with 2 Rentable Units Close with only 5% Downpayment Optional 2 Year Rental Gurantee @3000 2 Year Free Maintenance & Property Management Parking free if client does not take VTB Lease Start after Occupancy is Done Short Term Rental Airbnb Allowed Free Assignment before closing No HST No Development Charges A MILLION REASONS. FOUR SEASONS.

It almost sounds like a joke, or a too clever bit on a comedy show. But now that Elon Musk has terminated his offer to buy Twitter – and Twitter has responded in kind by suing Musk to make him buy the company – we find ourselves firmly in the realm of the Readingabsurd.

18 WWW.MBEFORYOU.COMMBE BUSINESS MAGAZINE SEPTEMBER 2022

MUSK DRAMA A NIGHTMARE

Twitter’s complaint, they have essentially said “Musk is unpredictable, untrustworthy, and ill equipped as a leader and tried to buy the company as a stunt – now he must buy us!”

issues are not just long standing, but also multiple. First and most obvious is that the company has been unable to handle the challenges unique to its own platform. Twitter is dwarfed in scale by other social platforms because its function is different. Twitter explicitly exits as an information network – as the place you go to find out what’s going on and to a lesser extent, talk about it. That means that, unlike other NAVNEET ALANG

It is patently strange – which to be fair, is true of almost everything to do with Elon Musk. But now, Twitter is in a difficult, possibly untenable position. Twitter’s leadership is also clearly aggrieved by the whole mess, saying in its complaint that “Musk apparently believes that he…is free to change his mind, trash the company, disrupt its operations, destroy stock holder value and walk Hereaway.”is the situation as it stands: Twitter’s value as a company is massively reduced; its capacity to raise capital is seriously harmed; and thanks to troubles that long predated Musk, its prospects for growth are dimming. Put more plainly, regardless of what eventually happens with Musk, the company is in serious trouble – and both it and Musk are to Twitter’sblame.

Yet any company can still overcome financial headwinds if it attracts and retains talent. But a report from the New York Times details how employees have lost faith in the company, partly because some were dismayed at the prospect of being owned by Musk and the eagerness with which Twitter’s board entertained the offer. It isn’t just employees either. Advertisers and investors have been spooked by the lack of certainty around the company.

Put plainly: Twitter was limping along before Musk’s bid and Musk may have irrevocably damaged the company.

But it also suggests that when something is of social value, perhaps leaving it to the whims of the market is less than ideal. Even worse, though, is letting a reckless billionaire treat a publicly traded company as if it were a plaything. No

Despite the fact that it hasn’t yet been proven, Musk’s complaints about inauthentic accounts or “bots” have likely worsened things.

Perhaps it is that which Twitters’ leadership never quite understood: that it was never going to be the next TikTok or Instagram, but was instead a platform for new junkies, the highly opinionated, and those who like being plugged into the ebb and flow of cultural discourse.

Yes, user growth has risen recently – up 12 million in Q1 of the year to 229 million – but it was a likely blip caused by the media frenzy produced by the Musk bid. Consider that

Adding to the problem is that its stock has fallen by 50% from around $70 (U.S.) in 2021 to just over $35 last month. It’s also likely part of the reason for Musk pulling out of the deal: the $44 billion valuation he proposed has since sunk; Twitter’s market cap now sits at $28 billion. A sinking

As I wrote last week, Twitter has a strangely outsized influence. It is comparatively small, but because it is used by politicians, celebrities, journalists, writers, artists and more, it has a surprisingly large impact on what we are talking about.

TikTok, which has been around a full decade less than Twitter, has more than a billion users. In its 16 years, Twitter hasn’t shown any real momentum towards user growth.

networks, where you simply look for your friends, Twitter is much more of a blank slate. A poor onboarding experience, coupled with the fact that Twitter has its own arcane, often opaque cultures – replete with in-jokes and slang – and it can make for an overwhelming experience.

Worse is that those comparatively low user numbers are poorly monetized. Twitter made just over half a billion dollars in net income last quarter – and that figure was hugely boosted by a sale of an ad network and an income tax gain. It has lost money in the past 7 of 9 years it has been public. For reference, Facebook (or rather its parent company Meta) made a net income $7.5 billion in profit in Q1 of 2022. Such numbers alone are cause for worry. But it also means that Twitter doesn’t itself have the sort of cash flow it might need to invest in major new features or user acquisition.

20

There are two equinoxes every year: one in September and one in March. In September, the Sun crosses the equator from north to south.

Rosh Hashana

Many Jewish Canadians celebrate Rosh Hashana, which is also known as the Jewish New Year. Rosh Hashana starts on the first day of Tishrei, which is the seventh month in the Jewish calendar, and may 26 SEP MONDAY

CALENDAREVENTSEPTEMBER2022

September Equinox

22 SEP THURSDAY Labour Day Labour Day in Canada is celebrated on the first Monday of September. It originally gave workers the chance to campaign for better working conditions or pay. The day is now part of a long weekend for many Canadians.

5 SEP MONDAY

Key study findings

The study indicates that there are a number of challenges and adverse impacts that Canadian small businesses continue to navigate at the two-year anniversary of the global pandemic, including: Negative impact on sales (37 per Managingcent) margins and profits (33 per Overallcent) business spends (33 per Managingcent) cash flow (27 per cent) Impact of regulatory/ legislation change (26 per cent) Currency fluctuations in foreign exchange risks (24 per cent) Employee recruitment (23 per cent) Canadian small businesses report improvements in certain financial and operations areas

Digital innovation and payment fraud concerns create shifts in small business behaviours and attitudes OTTAWA, June 21, 2022 — More than two years after the World Health Organization declared the outbreak of the COVID-19 global pandemic, new research by Payments Canada reveals that Canadian small businesses continue to navigate through financial, operational, and payment-related challenges. The new study, the Payments Behaviour Tracker - Business survey (Wave 1, 2022), explores the trends, sentiment, and outlook for Canadian small businesses (with total revenue of less than $10 million) that make up 98 per cent of all businesses in Canada. The study incorporates insights from interviews conducted from March 28 to April 8, 2022, through Leger’s online panel with 501 businesses.

Small businesses continue to grapple with financial and operational challenges

22 WWW.MBEFORYOU.COMMBE BUSINESS MAGAZINE SEPTEMBER 2022

Conversely, a number of small businesses report improvements in certain financial and operational areas since the onset of the pandemic: Sales (20 per cent) Access to funding (14 per cent) Management of cash flow (12 per Managementcent) of margin and profit (10 per Overallcent)business spends (10 per “Manycent) Canadian small businesses continue to face financial and operational challenges as we emerge from the pandemic. The shift away from paper payments to electronic payments is ongoing. Unfortunately, many small businesses have experienced an increase in payment fraud attempts, but indicate that they feel better prepared to identify fraudulent activity,” said Tracey Black, President and CEO of Payments Canada. “The results of the study confirm that many WWW.PAYMENTS.CA

Canadian small businesses face continued struggles from pandemic headwinds including adverse impact on sales (by 37% of businesses) and managing margins and profit (33%), reveals new Payments Canada study

Businesses report being wary of — and having less comfort around — certain activities since the COVID-19 crisis started, including: Opening unsolicited emails or text/ SMS messages; for example, sales and promotional offers, advertisements, etc. (36 per Sharingcent)their business identify and payor information online/with e-commerce sites/apps (25 per cent)

23WWW.MBEFORYOU.COM MBE BUSINESS MAGAZINE SEPTEMBER 2022

The pandemic has significantly accelerated the adoption of digital payment methods as evidenced by a decrease in the use Cashof:(33 per cent) Cheques from deposit accounts (25 per cent) And an increase in the use of: Interac e-Transfer (33 per cent) Virtual currencies (25 per cent) Electronic funds transfers (23 per cent) Wire transfers (21 per cent) Prepaid cards (20 per cent)

About the study

continue the shift to electronic payments

The payments trends during COVID-19 study was compiled by Payments Canada to help build an understanding of how the Canadian payments landscape has shifted in light of the COVID-19 pandemic.

Downloading and using social media apps, such as Facebook, Instagram, and LinkedIn for business purposes (22 per cent)

Downloading and using lifestyle social media apps such as Uber and Trip Advisor for business purposes (17 per cent)

Businesses report increased payment fraud attempts since the onset of the pandemic — but feel better prepared When it comes to payment-related fraud and cybercriminal activity, businesses report experiencing significant increases in suspicious activity, as well as in their level of preparedness.

In total, 501 Canadian small businesses were interviewed from March 28 to April 8, 2022. The findings in this report are sourced from the Leger/Payments Canada, 2022 Business Payments Behaviour Tracker Survey.

Many businesses report experiencing an increase in fraudulent activity since the onset of the pandemic directed through different channels, including: Text messages via a smartphone/ mobile device (39 per cent) Email (38 per cent) Social media platforms (34 per cent) Online retail merchant sites; e-commerce sites or apps (25 per Despitecent) the increase in fraudulent activity directed at businesses, 51 per cent of businesses say that they are more aware of how to recognize payment fraud scams compared to prior to the pandemic, and 47 per cent say they are more aware of how to protect themselves from payment fraud scams.

small businesses have demonstrated incredible resilience and have continued to innovate and adapt to changing market Businessesdynamics.”

SepTember 2022 virgo

Health As per Virgo health horoscope 2022, where natives may go through a lot of health issues this year, they may also have to pay more attention to their lifestyle and develop better habits to deal with poor health conditions. Chances of injuries are there on the charts for you this year, and you may indulge in exercise to enable body fitness. You can also opt for Yoga as it is a very good option. As for mental health,

horoscopes

Career For Virgo career horoscope 2022, this year may be a good time for Virgo natives this year. Minor challenges and obstacles may arise throughout the year, which you may not be able to overcome with perfection. Corporate workers can expect promotion. Individuals who are planning to change industry work and maybe be able to do it better. People who are currently unemployed may get a job in 2022. It is advised to pay more attention to the activities of your co-workers and take every step wisely. Utilize your experience in the workplace to save yourself from getting into any unexpected situation.

General For Virgo natives as per the 2022 Virgo Horoscope, this year is going to be a great year in terms of career, finance, love, and family life. These yearly predictions are curated on the basis of the principles of Vedic Astrology and reveal a lot about the lives of Virgo natives in the year 2022. There may be difficulties with which you may be able to deal with confidence and skills. There may be positive energies around you this year. You may get plenty of motivation and inspiration to work harder.

24 WWW.MBEFORYOU.COMMBE BUSINESS MAGAZINE SEPTEMBER 2022

Finance As per finance horoscope 2022 for Virgo natives, expect better financial conditions in the year 2022. This year may bless you with a lot of economic growth in many ways. You may get help from family members and friends for financial matters. Your expenditure may also be low and new sources of income open in front of you. You may also buy a property with expensive items this year. Be careful during monetary dealings. This year Virgo natives may also have to spend on health, but it is advised to pay attention to medical diagnostic procedures as there are chances that cheap services may lead you to some problems. The wrong action of an inexperienced doctor can cause serious harm not only to the body but also to your wallet.

Worship ‘Shani Yantra’ placed on a copper plate after rituals performed to activate the Yantra by an expert. Click here to get Siddh Shani Yantra. Wear a pure Gold ring on the ring finger of the left hand. Avoid wearing blue clothes. Don’t shift the place of worship in your home frequently.

Advice Wear ‘Panna’ or Emerald embedded in a Gold ring or gold pendant as suited after getting due rituals performed to activate and empower the gem.

25WWW.MBEFORYOU.COM MBE BUSINESS MAGAZINE SEPTEMBER

Family & Friends As per the Virgo family horoscope 2022, The family life of this zodiac will give mixed results this year. Because while the start of the year will be a little weak for the native, the middle part of the year will be average, and the end of the second half of the year will bring the best results for you. Especially in the middle of the year, you may have to face family disputes from April to September.

Love/Marriage/Personal Relations

you may not feel any major mental disturbance this year. Stress-related and other matters may be there, and you may have to get external emotional support at one point in the year 2022.

2022

For Virgo natives in the year 2022, these natives are more likely to get good results in their love life this year. However, at the beginning of the year, you are advised to be a little cautious as the month of January seems to be slightly unfavorable for you in terms of love in the relationship as Saturn in Capricorn might create some disturbance in your love life. Marriage proposals may get finalized this year. You may get disappointed by your loved ones. Virgo natives who are currently single may get into romantic relationships this year which may bring peace in life and maybe in long-term relationships. You can also expect mental support from your spouse this year.

MB

COMMONWEALTH GAMES BIRMINGHAM 2022 ‘GAMES FOR EVERYONE’ DMM DEPARTMENT Enterprises

Commonwealth Games of 2022 took place from 28th July to 8th August, 2022 in the gorgeous city of England, i.e. Birmingham. It was the 22nd edition of the Commonwealth Games & the third edition of the games that took place in England after 1934 in London & 2002 in Manchester, Lancashire County of England. However, it’s the 7th time the games actually took place in the United Kingdom after thrice in Scotland and once only in Wales. The moto of the games with the slogan ‘Games for Everyone’, identified the spirit of the games which includes most games similar to that of Olympics. Obviously, Olympics has a rich and medieval history and are the games where all the countries of the world can participate. It defines that games & sports are for everyone and the importance of sports for all the countries of the world. In the common wealth games, special emphasis is on the ‘Commonwealth of nations’, i.e. the countries that are or have been a part of the British Empire, examples includes India & Pakistan. games that unites the people of the Commonwealth of Nations under one banner and under one flag, i.e. the ‘Commonwealth of Nations’ flag.

A BRIEF HISTORY OF THE GAMES- ‘1930-2022’: A history of the games that dates back to Hamilton, Ontario in 1930 were opened by Sir Lord Willingdon, while the main venue of the game was Civic Stadium in Hamilton, Ontario. The stadium is known in these modern times as Ivor Wynne Stadium. Canada was the first country that was officially chosen for the Commonwealth games that are played between the ‘Commonwealths of Nations’, i.e. the nations which have been and are currently part of the British Empire. However, since than Canada has conducted these games three more times, i.e. in Vancouver, British Columbia (1954), in Edmonton, Alberta (1978) and finally the latest edition that took place in Canada was in 1994 in the Capital city of British Columbia, i.e. Victoria.

The most number of times the games are held is in Australia, i.e. five times starting from 1938. After the commonwealth games of Sydney in 1938, they were held in Australia in 1962 (Perth), 1982 (Brisbane), 2006 (Melbourne), & the latest edition being the last commonwealth games that took place and the last one that took place in Australia, i.e. 2018 in Gold coast, Australia. After the Birmingham games of July & August 2022, the event will be coming back to Australia in 2026 & will be taking place in various places in State of Victoria. These cities will include Melbourne, Geelong, Ballarat, Bendigo & Gippsland. It will be another honor for the great Monarch Queen Victoria of England.

At least three times the Commonwealth Games have taken place in New Zealand, i.e. in 1950, 1974 and 1990 in Auckland. The games are conducted in rest of the world, i.e. in 1998 in Kuala Lampur, Malaysia, 1966 in Kingston, Jamaica & 2010 in Delhi, India. The Commonwealth Games are not only an honor for the monarchs that ruled over all the ‘Commonwealth of Nations’, but is also a tribute to the unity of the nations. It defines & truly highlights an era of The Great Britain where the phrase was so common, ‘the sun never sets on the British Empire’, which defines the greatness, the vastness & the power of the British Empire. Australia, Canada & New Zealand are off course the countries in these current times that are also known as the monarchies, i.e. under the rule of the monarch of United Kingdom, i.e. Elizabeth II, also known as Queen Elizabeth.

GAMES FOR EVERYONE- ‘BIRMINGHAM 2022’: The commonwealth Games that were held in Birmingham with a phrase ‘Games for everyone’ had a unique spirit. It’s the spirit that says a big ‘NO’ to racism and a statement that everyone has the right to take pride in playing irrespective of any caste, creed, religion or color. These are the third time these games took place in the European Capital England, i.e. after 1934 in London and 2002 in the city of Manchester. We can’t deny the spirit of these games which are highly dedicated to anti-racism, especially in England, Canada, New Zealand & Australia. Racism mustn’t have any place in any country of the world and there is always a right of word for everyone. The commonwealth games of 2022 also were the first commonwealth games that took place after COVID-19, the pandemic that shook the whole world since 2019. It further defines unity of the globalized world, especially after the pandemic & its associated devastating effects.

The games of 1994 had a unique spirit with a slogan ‘catch the spirit’ and these were the final edition until now that took place in Canada. These games were held in Victoria City, Capital of British Columbia, in the memory of the great Monarch, Queen Victoria of England.

Games which continued in 1958 and 1962. However, for the very first time, i.e. 1966 in Kingston, Jamaica, they were called British Commonwealth Games, that continued until 1974.

HONOURING THE GREAT MONARCH QUEEN VICTORIA:

27WWW.MBEFORYOU.COM MBE BUSINESS MAGAZINE SEPTEMBER 2022

28 WWW.MBEFORYOU.COMMBE BUSINESS MAGAZINE SEPTEMBER 2022

Restaurants, airlines, schools and nursing homes are the sharp end of a labour crunch that’s afflicted employers all year long. In June, the unemployment rate fell to a record 4.9%, tightening the screws on an economy with more positions than it could fill. Amid a prolonged pandemic, laid off workers took stock and reassessed their priorities. Others, grappling with burnout in precarious or stressful work environments with long hours, simply walked away. Some of the hardest hit sectors are struggling to find and retain workers. Wages have increased, but signs suggest some of that growth is slowing. Although retail employment is up from 2021, when public health restrictions kept many stores partially or fully closed, payroll employment dropped in both April and May of this Jobyear.vacancies in the health care sector rose in May and are up 20% from the same month last year. Meanwhile the number of openings remained steady in accommodation and food services, but there are twice as many of them as the overall Soaverage.ifworkers are leaving their jobs, where are they going? Back to school. Back to yoga. Towards public office, Uber driving, sales and writing. Here are some of their stories: ‘I would shake at work’: from flight attendant to council candidate Pascale Marchand is poised to leap from the skies to city hall. Or hopes to. The 39 year old union official and former flight attendant opted to run for municipal council in Hamilton this fall after a trying two years in an industry battered by the COVID-19 pandemic.

After the pandemic pivots, where have the Canadian workers gone?

Marchand who started her cabin crew job in 2008, grew increasingly interested in her colleagues well -being, chairing several health and safety committees at the Canadian Union of Public Employees (CUPE) since 2018. “I got to see how important the social determinants of health are to people’s health. Just ensuring that they have a steady income, ensuring that they have job security, ensuring that they have the availability of having sick days,” she said.

‘I become numb’: from support worker top yoga instructor Growing up, Lindsay Couture thought she was meant to take care of people. From the age of 11, she was the primary caregiver for her mother

Municipal policies in areas ranging from housing to quality of life and the local economy can have a direct impact on those determinants, she says. “That’s why I’m going into politics. I’m trying to make a difference at the end.”

“Theycoronavirus.werevery concerned that their employment could potentially threaten the health of their loved ones,” she recalls.

CANADIAN PRESS

“By the first week of March I had burnout. I would shake at work because of this pressure of wanting to make things better for our Marchandmembership.says her younger brother, who lives with mental health issues, went through a crisis in 2020, losing his job and experiencing homelessness for three months. After tracking him down and helping him move in with their mother in New Brunswick, Marchand opted to access counselling and cognitive therapy services as well as a union support network, “which has helped me Shetremendously.”hasenrolledin a bachelor’s program in public health at Brock University in 2018, graduating this year. But it was her experience of people’s vulnerability to social, economic and psychological strain brought on by the pandemic that drove her to seek public office.

HELP WANTED EVERYWHERE

There’s an even more personal fire fueling her run for office too. In March 2020, Marchand found herself snowed under with calls from fellow flight attendants as angst and uncertainty swirled around a novel

Eventually Couture stopped taking care of herself as her mental health steadily declined. In 2018 she went on disability leave.

began working as a personal support worker in 2016 at a private long term care home in Port Hope, Ont. Most days she’d work double shifts from 7 a.m. to 11 p.m., dealing with intense pressure from upper management, combative residents, and what she described as extremely challenging working conditions.

Now, Couture works as a yoga instructor and Reiki practitioner. At first, yoga was an easy way to support herself after leaving her career as a PSW – she was already certified to teach – but she found it’s allowed her to remain an entrepreneur with control over her schedule. She also drives for Uber as a side gig, which alone makes her more money than her full time job as a PSW did.

‘You’re always there’: from teacher to salesperson When Guillaume Raymond sat down in front of a blank sheet a year ago to list the benefits of working in Quebec’s education system, he fell short of items to write down.

Months later, the COVID-19 pandemic hit. As it dragged on, and PSWs left the field in droves, it became increasingly hard for Couture to hire workers and provide high quality care. company in January to avoid burnout again. She continued to provide private care for one last client until May.

“I am so happy to be out of a profession that I truly feel is going nowhere,” she says.

“I’ve been working since I’m 14… either as a soccer referee or baby sitter, I’ve always loved to work,” says Raymond a 33 year old former physical education teacher. “But teaching is by far the most demanding job I’ve ever had in my life. You see about 150 kids each day in the gymnasium, it’s exhausting … there’s no recognition.

“Long term care was a very sad environment for me because I was unable to provide the care that a lot of residents needed,” the 29 year old says. “Even though I still showed up for those 16 hour shifts, I became numb.”

29WWW.MBEFORYOU.COM MBE BUSINESS MAGAZINE SEPTEMBER 2022 her career, she figured, why not stick to what she already Coutureknew?

After taking a year off, she was ready to work as a PSW again, but she wanted to do it on her own terms. So, she opened up her own community care company.

The pandemic was an additional strain as it greatly limited how he could share his passion for sports.

The Quebec Provincial Association of Teachers says about a third of young teachers will leave the profession – one of the several industries facing a labour shortage – within 5 years due to poor working conditions.

“Isay.feel that we are at a pivotal moment where either we can slide back into the slot we have always occupied in this industry or we can move forward and make some actual changes that give more power to workers and create living wages and create better work environment.

“I did my best to find ways to do virtual activities… and I was criticized for asking too much…l but it’s my profession and it’s important as French and mathematics,” he says.

Fox began working at a pizza joint in Belleville, Ont., at the age of 14 before starting their career as a server 3 years Theylater. took those skills to Whitehorse, where they have lived for a decade, along with stints in Montreal, Toronto and Ottawa, as well as three communities in British Columbia.

“My manager informed me that this was a gentleman that he knew personally, who was having a really bad day and I should just bring him another beer and then he would pay his bill,” says Fox, 35, who uses the pronouns they and them.

“I have better control over my life, I have less anxiety. I bought a house with my girlfriend. I could have never have done that if I were still a teacher.”

Raymond, who now works as a sales consultant for Park Avenue Volkswagen in Broussard, Que., says leaving the education not only helped with his finances, but also his mental health.

“It was around that point that I was emotionally finished serving. But I wasn’t able to leave, however until the pandemic actually forced me out of the industry.”

There are lessons to be learned from the Pandemic for not only workers, but the restaurant industry as a whole, they

“As a teacher, you’re supposed to work around 28 hours per week, but at the end, you’re there closer 60 hours per week,” Raymond says. “You’re always there…but the salary doesn’t always add up.”

‘I’m not just treading water’: from server to writer Lori Fox compares working as a restaurant server to being a low paid, undervalued caretaker of too many drunk and rude customers seemingly empowered to get away with sexual harassment and punishing behaviour in the form of lousy Foxtips. left the industry in the spring of 2020 when an eatery in Whitehorse closed temporarily due to the pandemic. But that decision has been brewing for at least 2 years, after an intoxicated Canada Day celebrant refused to pay his bill unleashed a flurry of “transphobic, homophobic and misogynist slurs that were made very publicly.”

30 WWW.MBEFORYOU.COMMBE BUSINESS MAGAZINE SEPTEMBER 2022

Regardless of the location, however, the experience was mostly the same: restaurateurs focusing on keeping patrons, especially regulars, happy at the expense of protecting staff that, in many cases, work long, irregular hours for ow wages.

Raymond started to feel worn out.

After teaching for 4 years at College Notre Dame de Lourdes, a private high school on Montreal’s south shore,

“I do have the feeling that I abandoned the children, but I needed to think about myself. The education system is broken and it’s not one teacher that that’s going to make a difference but better salary, conditions, and recognition.”

Finally,systems.the investment will definitely deliver on the commitment of the Govt. of Canada to help purchase 5,000 zero-emission buses over the next five years. This latest investment of $2.75 million is part of Prime Minister Justin Trudeau’s commitment of an 8 year, public transit investment of almost $15 billion. This PTI or Public Transit Investment was announced by Justin Trudeau very recently. This is a belief of the Govt. of Canada as they think DIGITAL MEDIA MARKETING MB Enterprises

CANADA ANNOUNCES A HUGE INVESTMENT IN ZERO-EMISSION BUSES & CHARGING INFRASTRUCTURE

31WWW.MBEFORYOU.COM MBE BUSINESS MAGAZINE SEPTEMBER 2022

Canada has announced a huge investment of $2.75 Billion in Zero-emission buses as well as the charging infrastructure. This recent news relates to public transit and school buses and is recently announced by the Govt. of Canada.

The almost $2.8 Billion will be funded over the next 5 years that started in the year 2021. The Canadian Govt. is highly optimistic that this investment will definitely be a new opening for jobs in the transport sector as well as a huge economic recovery and covering the Govt. agendas regards to the environmental reforms announced by the Govt. lately. The Canadian Govt. highly aims a zero-emissions future, i.e. a tomorrow that is worth the difference regards to the environmental targets.

AN ANNOUNCEMENT THAT CAN MAKE A DIFFERENCE: This announcement was made by Infrastructure and Communities Minister Catherine McKenna and Minister of Science and Industry Francois-Philippe Champagne. Hence, according to the Canadian Govt. this is a huge financial announcement by the Canadian Govt. that will definitely support the municipalities, transit authorities, and school boards. On top of these areas, the investment will also help in clean transitioning and increase the electrification of Canada’s transit

The Canadian minister of infrastructure & communities was optimistic regards to the activities that are currently underway. The plan says better public transit, cleaner air, quieter streets and finally a planet i.e. safe for the kids. That is the prime goal of the investment made by the Govt. she added in ZEV all across Canada. A treat & a carnival for the people interested to work in transportation industry as the job opportunities in the Transportation sector has increased

The most common manufacturer of the charging facilities and applications is by Tesla. It is an American, Multinational automotive and clean energy company with its headquarters in Austin, Texas. The company manufactures and designs electric Vehicles, battery energy storage from home to grid-scale, solar panels and solar roof tiles and related products and services.

Duetremendously.tothisinvestment, definitely, we are tackling the climate change she adds. The Canada’s Infrastructure plans invest in thousands of projects every year. Hence, while this year they plan to invest in buses and the transportation industry. Canada is blessed to have a transportation sector that is

optimistically that the investments in zero-emissions will be creating more lucrative jobs in Canada’s growing EV manufacturing industry. This is surely a release that gives a nod or an approval to EV Bus manufacturers in Canada like Lion Electric. The company is new and is a Quebec-based manufacturer recently announced zero-emission buses to Los Angeles School district.

THE ZERO-EMISSION STRATEGY OF CANADA IS IN CONTINUATION: The strategy that has literally changed the scenario for the Canadian Transport Industry, i.e. Zero-emission strategy is a breakthrough. A massive break-through that is in continuation this year as well as part of the strategy of Govt. & PM Justin Trudeau. Since the year 2015, the Govt. of Canada has approved $13.6 billion, i.e. almost $14 Billion towards more than 1,300 public transit projects across Canada since 2015. Apart from the investments in Clean Energy, Canada has further made plans for the sake of supporting its citizens towards zero-emissions in their daily lives.

According to the sources, in last fall, the Canadian Govt. proposed grants and aides for the sake of helping the Canadian citizens make their home greener and far more energy efficient. In addition to all these ongoing activities. The country’s transition efforts shall be providing funds for the sake of installation of new charging facilities in provinces like Ontario & B.C. This installation is apart from the refueling stations for ZEV or Zero-emission Vehicles.

new order of the Canadian Govt. British Columbia province is the one that excels in consumption of Electric Vehicles in current times. Although, the electric car uptake in rural B.C. is still lagging behind as compared to big cities like Vancouver.

Since, last decade Canadian province British Columbia has excelled in the consumption of electric vehicles and this has become a major benchmark for the rest of Canada.

WWW.MBEFORYOU.COM 24/7 Propane Station For Refill OfTHE ORIGINAL SOFT CLOTH WASH RAMAN HAIR SALON SPACE AVAILABLE FOR Quarter AdvertisementPage Contact Now: (+1) 866 mbe-marketing@mbeforyou.com667-1377 24/7 Propane Station For Refill OfTHE ORIGINAL SOFT CLOTH WASH + tax + tax + tax + tax Deep Tailors - Muktsar Wale We do all kind of Stitching & Alteration. We are stitching famous MUKTSARI kurta pajama's as well Address: 55 West winds Crescent NE Unit# 236, Calgary, AB T3J 5H2, Canada”. Ph : 587-435-6630 Ladies and Gents Suit Stitching Coat, Pant, Shirt, Kurta Pajama Kids Suit Stitching 45 Yrs Experience Faw wad Mehdi Head Chef RA M A N HAIR S ALO N RAMAN KUMA R 69 Songwood Dr North York, ON M9M 1X4, Canada. 437 288-4225 ramankumar2024@gmail.com

INTEGRATED TALECH talech© Point of Sale Solution Designed for today’s small businesses, talech tablet based solution is easy-to-use and will help you manage your inventory, track sales and grow your business. Works with Elavon’s processing services. Dedicated talech© support team is available 24/7 to help. Protect your business with data encryption. Accept payments from chip (EMV) cards. Accept payments from mobile wallets, including Apple Pay. Create product variations and define multiple prices/quantities. Smart Terminal Solutions Function meets form in a new breed of wireless terminal that delivers an exceptional guest experience. Poynt is an all-in-one smart device that looks great and gives both you and your guests a great view of every transaction. SMART TERMINAL POYNT Turnkey Solution Features a mobile and countertop credit card terminal, printer, signature pad, PIN pad and docking station. Wireless freedom WiFi capabilities enables you to take the checkout (and tipping) to your customer, inside or outside your business. Accept major payment types Process all payment types - contactless EMV cards, Interac and mobile payments such as Apple Pay®* (NFC) and many more... MOBILE & ECOMMERCE Mobile & E-Commerce Solutions E-Commerce is revolutionizing the market and giving businesses the opportunity to open up their doors to a global base of clients instead of operating only locally. Address: 104-100 Dynamic Drive, Toronto, ON M1V5C4 Call: 1-866-667-1377 Fax: 1-866-204-6888 E-mail: pos@mbeforyou.com Web: pos.mbeforyou.com Grow online sales across multiple channels worldwide. Widest variety of payment options available. Fit your needs and easily expand your global reach. Learn more about visitors of your online store. Help add value to your business. Ensure faster, uninterrupted online payment service.

The self-checkout systems highly improves the customer satisfactions levels, however, also depends the type of customer you are. It also depends whether you are an introvert or an extrovert & loves to mingle with people or stay online also while shopping. It’s hard for some people to give a smiling face to the cashier before paying for the bill after a long day at work. Thus, in that case keep looking for alternatives such as the self-checkout. There are certain levels of customer satisfaction which are desirable to be achieved. Thus, if you are a regular shopper & prefer self-checkout systems it is much better to move at your own pace & handle the self-checkout. It’s a payment experience like never before, thus making it safer than the other type, i.e. paying at tills. Therefore, certainly in terms of the payment experience it is indeed a point-of-no-contact experience & something that makes it an eager one for the customer. Especially, for those who avoid making any kind of physical contacts with literally anybody.

HOW THE SELF-CHECKOUT SYSTEMS HAS TRANSFORMED THE RETAIL INDUSTRY?

In terms of the payment experiences that are unique, a self-checkout experience is indeed a happening one. It not only involves the use of innovative technology, but also makes you aware of the advantages attached with technology & its innovation. It might also depend on the size of the retail business. Other than that, what makes it happening is the nature of the customer. Some wants to depend totally on the technology, while the others don’t want to completely rely on the technological aspects.

HOW SELF-CHECKOUT IMPROVES CUSTOMER SATISFACTION LEVELS?

• USE OF TECHNOLOGY: We are all familiar and acquainted with the Apple’s mobile checkout strategy. You might have to wait for a number of staff

This is the modern era in the retail sector & many changes has taken place that has helped transform the industry. The self-checkout system has been a revolution especially for the customers while making them more aware of the shopping norms and the policies. Are you not sure of something that might have been scanned twice or one of your shopping items that you haven’t purchased is added to your list of items. Why not use the self-checkout system & be more aware of what’s coming in & going out from your pocket. An aspect that is more linked sophistically with the ‘peace of mind’ that a paying customer is always looking for. At the end of the shopping, just scan your club card or shopping discount card, check out the points on the card and pay the bill with your card or cash. Nice & easy, & something that improves your satisfaction levels.

WHAT MAKES IT A HAPPENING EXPERIENCE?

DMM DEPARTMENT MB Enterprises

MBE BUSINESS MAGAZINE SEPTEMBER 202236 WWW.MBEFORYOU.COM

• HEALTH & SAFETY ASPECTS: The third one & truly one of the most important ones in terms of circumstances is the H&S or health & safety aspects. An example being the recent pandemic that especially wanted minimum human interactions. The self-checkout systems under such circumstances like undergoing the pandemic has truly showed being most advantageous. At the same time, being more user-friendly & being more productive in terms of ROI or The Return on investments. Self-checkout requires less interactions between sales staff and the customers. These days, you see this form of checkout in most grocery stores, and also big stores like Target & Walmart. Regards to the health & safety POV they are highly integrated as well as integral in terms of strict legislative Oncemeasures.were considered as a myth, but no more these days as self-checkout is the modern way of using the payments technology & least human interactions. It is truly one of the most creative examples of human-machine interactions. Something, which has changed the course of the retail sector in the modern civilized world.

• THE SPEED & THE CONVENIENCE: Another thing that makes it more happening is the speed and the convenience in using the self-checkout. Make your own waves while shopping as slow & steady here might make you lose, rather than win the race. You have to be a rather fast culprit, especially in terms of the speed of transaction. The next big question is how convenient is it for you? Certainly not, if you are someone who likes to relax or someone who is known as ‘lazy bones’. However, on the other hand is more happening for you, if you are not lazy & wants to get out of the store ASAP so that you can join your friend for a gym session?

37WWW.MBEFORYOU.COM MBE BUSINESS MAGAZINE SEPTEMBER 2022 in order to become available & assist you. However, you never have to wait in line or a long queue to pay. Each store associate is equipped with a mobile checkout device so you can check with the same person who helped you. Technology is what that makes it happening in all aspects.

A great o er especially for those who are looking for awebsite.business Enjoy lucrativetheo er today & have a website for your own business. Call Mbe Digital Asap! TEL: 1-866-667-1377 | EMAIL: digitalmedia @ mbeforyou.com WEB: digitalmedia @ mbeforyou.com #YOU CAN’T MISS IT! MBEinc. A handsome 25% Discount on creating a New Website with One Time Full charge. To avail this o er, please visit the website digital.mbeforyou.com and fill our contact us form. Promo code: WEB21

DIGITAL MEDIA MARKETING MB Enterprises

39WWW.MBEFORYOU.COM MBE BUSINESS MAGAZINE SEPTEMBER 2022

SUSTAINABILITY TRENDS IN THE HOSPITALITY INDUSTRY IN CANADA 2022

Trends in Canada shaping the hospitality sector with a sustainability eye in 2022 are dependent on factors that rule the hospitality industry. However, some of the trends have changed since the last two years due to the pandemic & its effects that have ruled the sector. Trends are common set of activities that have been witnessed as common practices since last few years. By few years we can say 5-10 years instead of claiming it to be a couple of years. However, due to the pandemic, this statement might be a bit controversial. However, still it’s true looking at the change in trends that COVID-19 has been responsible for. As far as the sustainability rules the hospitality industry, its technology, innovation, creativity, & solo travelling that have topped the list of the trends. However, as far as the personalization aspects are concerned, the trends have moved incredibly more towards personalization & making every individual look important regards to his/her personalized needs. Regards to the Digitalization trends, these days it’s been at the center of all tourism accommodation professionals’ thoughts, as a logical continuation of the products & services. Looking at the big picture, there are Phones, Tablets, Wi-Fi zones, Laptops, TV lounges & areas to work alone in dining halls or semi-public areas which are all part of the increasing trends in the hospitality industry. All these are part of the innovation corridor has changed the way humans travel these days, especially the virtual tours in the hotels makes it more interactive, interesting, fun-filled and finally more informative for the sake of customers. Trends definitely rule the industry not only in Canada, but the whole world, or maybe most parts of the world. These are key global tourism zones.

40 WWW.MBEFORYOU.COMMBE BUSINESS MAGAZINE SEPTEMBER 2022

These days it’s least possible interactions & contact, especially Post-Pandemic due to the lesser amount of interactions witnessed during travel during the era of the pandemic. It might sound crazy, but it’s a fact, the human interactions have become increasingly rare & the rare nature is due to the circumstances witnessed in past years. However, the habits of the hoteliers that have changed are expected to divert back, but it should take some time. While taking good care of the health protocols, people tend to use more frequently the options of payment automation. Hence, with the availability of many automated tools is better to make all payments simple, automatic, and much more secure for the sake of satisfaction of the visitors.

Offering Fully Personalized Services To Visitors: Offering personalized services to the hotel visitors is part of the hospitality trends since many years now. These includes pre-arrival e-mails, i.e. information to visitors before their arrivals. Hence, the best ways to start personalizing the customer experience through especially designed surveys.

Hospitality industry in Canada & in most parts of the world revolves around the modern trends, especially the tech & innovations. These are experiences that have made this industry having merged with tourism as being a hot cake of modern era.

Eco-Friendly & Sustainable Developments: How can we forget eco-friendly & sustainable developments if we are discussing the area of sustainability trends in the hospitality sector? Well, surely was can’t miss the hotplate which is full of eco-friendly options & most vital sustainable Thesedevelopments.includes recycling, i.e. the installation of a waste recycle system that has become a must. Usage of ecological products that means cleaning & maintenance products can be entirely ecological. Other options includes the use of eco-friendly lighting while reducing the carbon footprint by the installation of eco-friendly fluorescent lights to reduce your electricity consumption. Finally, reducing water consumption and green transportation for the sake of encouraging public transport from hotel to travel destinations & back to the hotels. All these eco-friendly practices are part of the modern trends in the hospitality sector.

The Rising Use of Latest Technologies: The rising use of new technologies in hospitality is the new norm of part of the trends in the sector. Travelers love options of moving in the hotels with technology as their ghost friend. These new technologies includes virtual and augmented reality, facial recognition, and the block-chain solutions. Most effectively, the use of virtual reality in the hospitality industry is now one of the fastest growing trends. With the technology, the visitors can easily view the website to find hotel facilities clearly visible on the website. They can even have a virtual tour well before visiting the hotel, if it’s their first time as a visitor.

Lesser Interactions & Contact:

Other options for personalization includes calling the guests by their names. Making use of the guests name is the easiest & one of the most effective ways to personalize the guest Savingexperience.thee-mail of the regular customers & sending them seasonal deals & holiday discount offers is yet another way to offer personalized services. These activities are an increasing part of the personalization trends. Recording customer experiences in the CRM in form of customers reviews & remembering their likes & dislikes for better future interactions are the most integral part of the personalization activities in the industry. These are aspects that have raised the standards in the hospitality industry to massive extents.

Other options seen commonly as part of the most common trends dedicated to lesser human contact is taking options for remote check-ins. Surprisingly, it’s a big wow, how on earth is that possible? Well, these days it is a possibility that travelers have enjoyed for sake of least possible human interactions. Visitors as part of the trends in hospitality are less inclined to check-in at the reception. Importantly, this can be done easily via a smart phone or touchscreens these days.

* N ew a cco un t s o n l y Vali d a t p a r t i cip a t in g E s s o l oc a t i o ns Re ba te s ea r n e d w ill b e cre di t e d dire c t l y to y o ur a cco un t (s) E li g ib l e o n y fo r m e m b e r s of * * E ss o an d E ss o E x t r a are re g is te re d t r a d e ma r k s of I mp e r ia l O il L im i te d I mp e r ia l O il l i ce n s e e S p ee dp as s is a re g is t e re d t r a d e ma r k of E x xo n M o b il C o r p o r a t i o n, o r o n e of i t s sub si dia r i e s A e ro p lan is a re gis te re d t r a d e mar k of A im ia C a na da I n c O f f e r v al i d a t p a r t i cip a t in g E s s o s t a t o n s S p ee dp as s ke y t a g s re ce i v e d n C a na da are o n l y v a li d in C ana da T h e E s s o B u sin e s s C ard p ro gr am is a dmin s t e re d b y W E X I n c ES S 2 016 0 6 2 0 Whether you have a small sales force or a large f leet of ser v ice vehicles, the Esso Business Card Program gives you exceptional fuel sav ings, power ful and eas y to use fuel management tools and broad accept ance at more than 1, 8 0 0 Esso st ations in Canada For more information or to enroll, please contact: Drive more money to your bot tom line with volume discount s Easily pay bills, manage cards and track expenses with our time sav ing online tools Reduce or eliminate unwanted driver spending with purchase restric tions Reward your employees and your self with the Esso E x tra and Aeroplan® programs* * Advantages with the Esso Business Card Program Save 3.5 cents per litre* Retail Merchant Association /MBBP Members Phone: 1-800-835-4601 Fax: Email:800-831-4019essosales@ eetlink.com Web: essobusinesscards.ca/RMA

DMM DEPARTMENT MB Enterprises

Efficient customer service are indeed a source of greater competitive advantage as they are trained for higher customer retention. An ingredient that urges the customers to come time & again. The concept of customer service powered & supported by efficient technologies is something that is extremely powerful. As an example we can say CRM or customer relationship management which is a software that is designed for fast response to customers while knowing about their past transactions or relationship. A huge edge in relationship management at the same time.

How to Gain a Competitive Advantage & What are the Best Ways to Identify One?

However, still there are certain areas it varies;

42 WWW.MBEFORYOU.COMMBE BUSINESS MAGAZINE SEPTEMBER 2022

advantage from your competitors makes you more competent in the markets to gain market intelligence. Apart from this, the profit shares & the name.

A competitive advantage in terms of the ‘brand awareness’ is best for brand sustainability aspects. It not only creates a brand image in the eyes of the most wanted consumers, however, but also helps in sustaining that image in the eyes of the customers & potential customers.

CUSTOMER SERVICE:

Gaining competitive advantage in terms of best customer service is really important even though some companies tend to ignore it. It’s not even the so-called ‘Best’ customer service, as a matter of fact, its distinctive customer service. That is, customer service that makes you distinct & standout from crowd are the one that means the real competitive advantage.

According to Lucie who is a senior business advisor & Strategic Planning Solution, Lead BDC Advisory Services. He believes that a competitive advantage must allow a company to distinguish itself from others in its field of business, however, it must also be difficult to replicate quickly. It truly does distinguish a company from the others in terms of creativity, innovations, marketing & many other related aspects. Hence, something as simple as offering a quality product is not enough to be considered as a competitive Gainingadvantage.acompetitive

Primarily, is for the namesake that taking a competitive advantage is considered as a necessity. A higher level edge when the need for one arises.

In the business world it’s the competitive advantage that holds utmost importance & to identify when is the right time for one. Hence, while a competitive advantage allows a certain company to distinguish itself from other players in its line of business. It must surely be difficult to replicate.

According to the pundits & gurus in the world of marketing, an advantage that can’t be replicated will give the company a head start. It will surely give the company a kick start & the motivations for the sake of achieving their targets. This is a universal fact that a competitor needs to invest a lot of money & time to get things done. Thus, a competitive advantage adds fuel to the same while making things easy & aligned for the company to take the right competitive advantage.

BRAND AWARENESS:

All the three discussed above i.e. Customer Services, Technologies & Brand Awareness are interlinked and at the same time have their individual identity in terms of playing their roles effectively. These are vital roles that helps in getting to the competitive advantage that is the real need. Gaining a vital competitive advantage in at least one of them or all of them is the real means of gaining profits & gaining business in this modern digital world.

Competitive advantage through brand awareness is achieved via aspects linked with creative marketing, creating a marketing environment, focusing on the latest marketing norms, & finding improved & highly accepted ways of marketing research. For example an IPad is mostly referred to as an IPad instead of an electronic tablet. It says a lot about the popularity levels of the Apple product which is distinguished at huge levels from the rest of the tablets. Thus, a brand image that Apple has created for its customers over the years. Especially, since the launch of the first IPads. A unique & distinguished example of brand awareness, while creating a brand image.

TECHNOLOGIES: We are into the digital world where technologies play a vital role in gaining the competitive advantage. This has been the phenomenon since the machines ruled the world & became key in gaining competitive advantage for the customers.

43WWW.MBEFORYOU.COM MBE BUSINESS MAGAZINE SEPTEMBER 2022

Examples of gaining competitive advantage includes SMM or Social media marketing also known as digital marketing. Yes, we are regards to how digital marketing or DM has taken the competitive edge for companies to gain a healthy competitive advantage against their consumers. That is, via advanced and creative ways of digital marketing. It truly is the order of the new world while signifying the importance & advantages of social media.

Some more lucrative & highly sustainable examples includes Amazon, Airbnb and Uber which are companies that are banking on technologies. These are exceptional companies that rely on technologies for the sake of taking competitive advantage. Aspects such as order taking, managing orders and delivering orders are the key elements that manages the customer requirements via the effective & efficient use of technology. Also, includes order tracking facility which is for the sake of customer’s peace of mind in-case if they need to know where the order is located currently.

44 WWW.MBEFORYOU.COMMBE BUSINESS MAGAZINE SEPTEMBER 2022 LABOUR DAY

Canadian LABOUR Day is falling on the first Monday of September, which is calling on the 5th of September this year. Obviously, it will be followed as a national holiday as Canada values its workers which contributes heavily to the Canadian economy & a healthy & safe work culture. A famous slang in Canada, ‘If you won’t work, how will you pay your bills?’ It obviously signifies the importance of work for Canadians & why work is such a necessity. Workplace ethics & norms & different procedures at different workplaces always is integral for a healthy work culture & a safe work environment. Workplace principles & regulations do vary from one place to another & company to company differences in the way work is conducted individually & in form of teams.

FIRST MONDAY OF SEPTEMBER AS OFFICIAL HOLIDAY: Whatever, the differences are, the holiday falls on the first Monday of September in Canada & it’s attributed & linked to the nine hour printer’s strike that took place in 1872. The nine hour strike that took place in almost all biggest cities of Canada ultimately was the reason that workers won on that day. Meant that the rights of the workers are now the prime responsibility for the mill owners, the factory owners & owners of many small & large scale businesses in Canada. The impact started to happen soon in the whole of Canada, as the first official LABOUR Day was observed in Canada on 5th September 1882. Therefore, after more than 100 years, i.e. after exactly 140 Years, it’s taking place again on the same fortunate date i.e. 5th September 2022. Later on, after 1882 events, the 23rd of July 1894, the day was made official declaration & it was decided that it

DMM DEPARTMENT MB Enterprises

LABOUR DAY CANADA – 5th SEPTEMBER 2022 ‘A HOLIDAY IN CANADA’

THE ROLE OF FIRST PRIME MINISTER OF CANADA: Mr. John A MacDonald’s role was prominent enough in the movement that ended up in the LABOUR Day that is celebrated today on first Monday of September. Prime Minister John A. MacDonald had a very curious eye on the nine-hour movement by the workers that started from Hamilton, Ontario. In fact he was very fast to capitalize and later addressed to a crowd in Ottawa at City Hall. He promised the workers that we shall going to wipe-off the barbarous laws that have been a hindrance for the LABOUR. It’s also a major cause of differences of LABOUR with the Govt. He emphasized that the laws are too strict & the LABOUR has no work-life balance apart from very low pay for the workers. Later he then came to the rescue of the imprisoned men and further on June 14th he passed the Trade Unions Act. An Act which legalized & protected the Union Activity. The Act proved to be like oxygen for the workers & their rights that were taken for granted earlier by the Govt. It was definitely a move that didn’t went well with his rival Brown and the move also embarrassed Mr. Brown. However, the move was indeed a powerful one & gave Prime Minister John A. MacDonald huge support of the working class. A class that contributes heavily & always did in the past towards the Canadian economy & the country’s John A MacDonald the first PM of Canada was born in Glasgow, Scotland in 1815 & holds a massive involvement regards to the rights of the workers in Canada. It was his efforts for the workers of Canada that has proved to be a tremendous applause for Sir John A. MacDonald’s in history books. He later died on 6th June in Ottawa.

HOW IS LABOUR DAY CELEBRATED IN CANADA?

LABOUR Day in Canada & United States is followed on different dates as it is celebrated in the rest of the world. In the rest of the world, The LABOUR Day is followed on 1st of May, also known as ‘May Day’.

45WWW.MBEFORYOU.COM MBE BUSINESS MAGAZINE SEPTEMBER 2022 will be observed as a national holiday. A huge LABOUR Day parade took place in Winnipeg the same year, i.e. in 1894. Let’s open new doors for workers was the goal of the parade.

The LABOUR Day is celebrated with huge national esteem by Canadians on first Monday of September, especially the workers of Canada. For some people it’s just another holiday, i.e. a long weekend of the summers falling on a Monday. However, it’s not the same for those who are attached with the significance & values of LABOUR Day. They celebrate the day in form of LABOUR Day parades and picnics that are organized by the Union as the Trade Unions Act was passed by the first PM of Canada, Mr. John A.MacDonald. A traditional LABOUR Day event in Canada is the LABOUR Day Classic, a Canadian Football League event where rivals play on the LABOUR Day weekend.

The nine hour movement was a major worker’s strike so that they don’t have to work for 12 hours a day. This movement started after disputes between millionaire athletes and billionaire owners. The movement for workers’ rights also called the Nine-Hour movement began from the city Hamilton in Ontario and later spread to Toronto. In Toronto the demands of the movement was taken by the Toronto Typographical Union. The historical nine-hour movement holds a huge place in history regards to the observance of the LABOUR Day that takes place in Canada on first Monday of September.

THE NINE-HOUR MOVEMENT:

AND Fish Chips Tel: (905) 655-5544 Address: 67 Baldwin St. N Brooklin, ON L1M 1A3 Website: www.stanleys shandchips.com LIVE | STUDY | WORK Wills FamilyAffidavitsLaw RealImmigrationCorporateEstate PowerCivilCommercialLitigationofAttorney Barrister & Solicitor, 2680 Matheson Boulevard East, Suite 102, Mississauga, ON. L4W 0A5 1-877-201-34761-877-201-3476 olu@ogunniyilawoffices.com www.ogunniyilawoffices.com PurchaseForeclosures,&Sale,CivilLitigation Have You Missed a Mortgage Payment? Or Have You Received a letter from Your Bank? We Stand Up for the Home Owner! OUR SERVICES: OLUBUNMIOGUNNIYI LL.B (HONS), B.L, LL.M, BARRISTER, SOLICTOR & NOTARY NPUBLIC 46 WWW.MBEFORYOU.COMMBE BUSINESS MAGAZINE SEPTEMBER 2022

47

BENEFITS OF ACCOUNTING SOFTWARE USEFUL TO GROW YOUR BUSINESS DMM DEPARTMENT MB Enterprises

These are the times where the use of software & IT is found everywhere even in the dynamic world of Accounting. Companies like KPMG & PWC are all dependent on Accounting Software & Excel spreadsheets for the sake of storing data & other key reasons that relates to big data handling. In short we can’t miss computers, its benefits & it’s usage in the world of Finance & Accounting. You don’t need to manage large data in big files when everything is so organized & sync on the internet as well as through the usage of computers & accounting software. What has changed is the paradigm that has slightly tilted towards the use of technology while emphasizing its true importance. What makes it easy to manage? Obviously, a question that we keep asking ourselves and the simple answer is software makes it more organized and manageable. Simply, easy to recover & retrieve as well as much easier to manage deadlines that can cost you. An example is the online filing of tax to manage the deadlines & late penalties. Something, which is not only a huge benefit for the accountants, but also for those who are managing their own self-employed businesses. There are plenty of other benefits associated with the

48 WWW.MBEFORYOU.COMMBE BUSINESS MAGAZINE SEPTEMBER 2022 accounting software that enables you to monitor the financial status of your business. In simple words, it makes monitoring very easy as well as improves the ways to make more profitability through the business.

PROVIDES MORE DETAILED INSIGHTS:

An accounting software helps in providing detailed insights as these are insights that will surely help forward. Your accounting software will definitely give you a complete record of all your financial activities. It has the potential to provide even minute & specific details that will surely help in future business analysis. For example, finding out how much profits your firm has earned in a specific period of say 4-5 months. Alternatively, if you need to find out how much budget has been allocated last year on certain departmental activity. Therefore, it will definitely allow you to monitor all the key areas that needs your due attention.

MAKES PAYROLLS EASILY MANAGEABLE: Payrolls is yet another aspect in the world of accounting that accounting software takes good care of. Managing your payrolls, even if you are running a firm of 100 employees would make you more tired & a huge time waste. Through the use of an accounting software it would surely cut down a huge amount of effort that you are putting in while making your payroll. Instead of investing extra time in the payrolls, one must plan a vacation for the sake of relaxation & better handling of your business dealings.

Ironically, business analysis & trends analysis is a key part of the financial world.

For the sake of business growth an accounting software plays an integral role indeed. It surely helps you in managing your banking matters as well as figure out the hindrances that are coming in your business growth. An accounting software is indeed the need of the hour for the sake of competing with your competitors equipped with business intelligence.

HELPS IN TIME MANAGEMENT: How it helps in Time management is yet another amazing benefit of the accounting software. It performs all your financial tasks automatically. Hence, helps significantly in cutting down a massive amount of your workload. In the world of Finance, the saying ‘Time is Money’ is always an integral one & surely is an acknowledgement, especially in the modern Financial Times.

Some of the reasons why we should prefer accounting software & why we should use them for the sake of managing our businesses are as follows;

INCREASES DATA ACCURACY: Data accuracy is a demand that needs to be met & is yet another advantage associated with the accounting software. It’s indeed a massive advantage as it provides precise & accurate data as it updates your financial statements in real-time. You don’t have to worry about the data accuracy as your software is keeping all the data clear & very accurate.

IT SYNCS ALL YOUR DATA: The best thing about an accounting software that will help self-employed business owners is that it synchronizes all data at one stop. You just don’t need to surf through your system for the sake of finding a piece of information. Apart from this, it saves a huge amount of time that can be consumed otherwise for the sake of searching any particular data. You just have to take a deep breath & let your assistant do the rest. Don’t have to invest those extra hours in the office while you compromise a family gathering or a friend’s birthday party. Simply, helps you better manage your time just the way it helps manage your data with ease & convenience.

MAHMOOD NAQVI BROKER GULZAR KHAN SALES REPRESENTATIVE SALEEM AKTHAR SALES REPRESENTATIVE SYED BAQAR KAZEMI SALES REPRESENTATIVE 104-100 Dynamic Drive, Toronto, ON M1V 5C4 200 Consumers Road, Suite 100, Toronto, ON M2J 4R4 (416) 939-9378 (416) www.mansoornaqviteam.com497-5949 Opportunities TERREQUITY REAL ESTATE SERVICES BROKERAGE INDEPENDENTLY OWNED & OPERATED

50 WWW.MBEFORYOU.COMMBE BUSINESS MAGAZINE SEPTEMBER 2022 Credit Counseling 04. Payment Processing Services Credit & Debit Cards 01. Esso (Imperial Oil) 03.ATM Deals and Offers 02. Grocery RedemptionCouponService 06.Energy Savings 05. Drug Plan 09. Home, Auto, Health, Dental and Life Insurance 10. Northern Financial Group 13. MBE Business Magazine 14. Cineplex Discount 12. Real Estate 15. Accounting Services 08.Deluxe Nebs Pay stubs, cheques and office supplies. 50% discount on first purchase 07. TOPBENEFITSRMA/MBBP CANADA WWW.RMACANADA.COM

51WWW.MBEFORYOU.COM MBE BUSINESS MAGAZINE SEPTEMBER 2022 Immigration Services 20. MBE Construction 23.Mortgage /Business Loans 22. RMA and MBBP Revenue Sharing 24. South Cove Foods LP. 26.MBESolutionSoftware 25. Choice Hotels 16. Canadian Corporate Legal Services 27. Legal Services 19. Budget 18.Avis Preferred Services 17.

52 WWW.MBEFORYOU.COMMBE BUSINESS MAGAZINE SEPTEMBER 2022

DIGITAL MEDIA MARKETING MB Enterprises

ONTARIO PROVINCE: Ontario province is the largest amongst the provinces & territories in Canada & holds two of the major cities of Canada, i.e. Toronto & Ottawa. One being the biggest Canadian city & the most developed ones, while the other one, i.e. Ottawa being the federal capital. It is truly the most common destinations for the new comers to the great North American nation Canada. A little more than half of all new Canadian permanent residents are expected to be living in Ontario by 2022. Another major fact is that the majority of immigrants who chose Ontario as their final destination also planned to call Toronto home. Another city of Ontario, which is the Capital city is one of the most secure cities in Canada, reasons being it’s the Federal Capital. Surprisingly, the city is worth living, especially for people who are new as it has a

Every year according to the number of statistics of newcomers coming to Canada the favorite provinces in Canada keeps changing. These are changes according to the diversified sections, groups & the number of people coming to Canada on various different visas. For example, people coming to Canada on students visas differs in terms of the provincial breakdowns than people coming to Canada on express entry & other various entry programs. Other visas also includes people coming to Canada with variable preferences according to the provinces for spouse visa or for other dependent visas. When making analysis of the favorite provinces in Canada for the immigrants, i.e. the second largest country area-wise. There are total 13, i.e. 10 provinces & three territories in Canada & each one possesses its own unique characteristics for the immigrants. There are certain key variables attached to the final readings & these are dependent on the lifestyle, line of work, i.e. field of work, and weather preferences. However, we can’t really miss the four of the most popular Canadian provinces for immigration in 2022 that have been selected for your convenience.

BEST PROVINCES IN CANADA FOR THE NEWCOMERS ARRIVING IN 2022

comparatively low cost of living than Toronto. Even though the cost of living is so low, it’s an absolute fact that it has got an outstanding quality of life.

QUEBEC PROVINCE: Quebec is the French speaking province of Canada and it is the third most popular province of Canada for the immigrants. Infact for those who value cultural interactions & those who value the French language it’s the most favourite province. Montreal city is the largest city in Quebec and the third most popular destination for the newcomers. This comes after Toronto & Vancouver being the top two & most wanted cities. It’s a French speaking city & holds a very unique & decent balance between the past, the present & the future. Quebec is a province where you would find extreme climatic conditions & temperatures as the summer is getting hotter due to the impacts of climate change. In the winter some places in Quebec might dip as low as -40 degrees, while in the summers it can easily reach upto 35-40 degrees. Summers are a treat for the tourists & is getting hotter by the day, just as they say ‘Cheaper by the dozen’.

BRITISH COLUMBIA: British Columbia stands proudly at number two spot for being the most favorite provinces of Canada for the new comers, i.e. fresh entrants. Yes, by new comers we mean immigrants that are coming to Canada mostly on student visas & later settling into the picture perfect life of Canada. A province located on the West coast of Canada is immigrant’s most eager choice, i.e. for those who just love natural beauty & stunning natural scenery. Vancouver is marked as the most visited city in the British Columbia province & the most advanced amongst all cities of British Columbia. The capital city Victoria is named after the ruling Monarch Queen Victoria & is the second largest city of B.C. It’s especially a favorable place for those who are coming from hotter climate & like mild temperatures as compared to the coastal areas of B.C. The economy mostly consists of service industries. Other includes agriculture, construction, films, television, forestry, fisheries, and aquaculture, high technology, manufacturing, mining, and tourism are some of the other major businesses of British Columbia.

The winters of Canada as a matter of fact are very cold, especially for those coming from temperate regions. It’s an absolute fact that the temperatures might fall below -40 degree centigrade in various towns and cities of Ontario. This is especially true during the winters, however, in summers it can reach 30 degree centigrade. Apart from all these things there are certain dynamic positives that contributes to the robust economy of Ontario. This includes natural resources, industrial competence, and finally exports. Nearly, half of all workers in high-tech, financial services and other knowledge-intensive sectors call this home.

ALBERTA PROVINCE: Finally, it’s the Alberta province that ranks & stands proudly amongst the top four of the Canadian provinces. This is according to the census of 2021 that Alberta was ranked 4th amongst the most favourable & most wanted province for the new comers in Canada. The most favourite cities in Alberta province for the immigrants is Calgary and Edmonton the capital of Alberta. Edmonton city is home to the world’s largest mall and Canada’s biggest planetarium and is never short of activities and festivals all around the year. Around 30 festivals take place every year in Edmonton & therefore it is the favoutite in terms of the cultural heritage & its celebraIt’stions.the O&G sector in Alberta, especially Calgary which is amongst the most important industry. Hence, it is followed after agriculture, forestry, education, tourism, finance, manufacturing, and the banking industry.

54 WWW.MBEFORYOU.COMMBE BUSINESS MAGAZINE SEPTEMBER 2022

The Toronto International Film Festival also known as TIFF is one of the oldest International film festivals that celebrates cinema in its own unique ways. It takes place every year in Toronto and this year it’s taking place in September. The latest edition took place in 2021, i.e. last year. It was founded in 1976, i.e. 46 years ago and therefore, this edition shall be the 47th edition of the International film festival.

Since it has started and originated many new stars are born all over the world, especially in Hollywood. However, the best thing about the film festival is that it’s a celebration of many films and many languages merging under the roof of the Toronto Int. Film Festival. Be it Chinese cinema, Korean cinema, Indian cinema known as Bollywood or the most famous film industry in the world, i.e. Hollywood. It’s indeed a celebration at the Toronto International Film Festival, just like at many other film festivals that takes place around the globalized world. Cinema is the most unique language of culture, poetry, arts and knowledge apart from a country’s heritage and its values. Thus, Toronto International Film Festival (TIFF) highlights those films that are worth watching and have played a huge role and a massive mark on the big screen. A DMM DEPARTMENT MB Enterprises

TORONTO INTERNATIONAL FILM FESTIVAL

8TH to 18TH SEPTEMBER, 2022

55WWW.MBEFORYOU.COM MBE BUSINESS MAGAZINE SEPTEMBER 2022

KEY HIGHLIGHTS OF THE TORONTO INT. FILM FESTIVAL

mark played on the big screen is worth the difference in terms of viewer’s choice awards, the overall audience and how the film has performed on the International stage. Film industry all over the world is a huge advantage for the people as the industry has not only grasped huge audiences but also revenues that are multiplying every day. What’s interesting about cinema is its uniqueness, i.e. films that are historic and made on various topics and events.

The Toronto International Film Festival (TIFF) might not be the most famous Film Festivals on the planet. Just like the oldest, i.e. Venice film Festival (Italy) or Moscow Film Festival (Russia). However, just because of its unique attributes. It has transformed into being a destination event in the nearly half a century, i.e. 50 years since it started as the Toronto Festivals of Festivals out of the Windsor Arms Hotel. It was in the year 2010, i.e. 12 years from today that the festival also gained a home of its own in the TIFF Bell Lightbox. This includes, a mix of cinema, and gallery space with educational facilities and Inrestaurants.theTIFF, the hundreds of Films each year are shown in a course of a week’s time simultaneously at different cinemas all around Toronto. These includes, Scotiabank Theater in the Entertainment District, The Princess of Wales Theatre, Roy Thomson Hall and the Cinesphere IMAX Theatre, apart from some of Toronto’s Drive-ins. Some of the famous films that have featured and are well-known and Oscar nominated and have premiered at TIFF are Black Swan and Silver Linings Playbook. Also, includes 127 hours starring James Franco in a key role apart from many other films featured on the Toronto International Film Festival. A festival that is a huge carnival in the biggest city of Canada.

POPULAR?

2022: Apart from the many highlights of the Toronto International Film festival there are certain key highlights that makes the film festival a unique event every year. As it happens in Toronto and makes the city more vibrant and more filled with energies. This is not only the energy of the hundreds of people from the film fraternity, but thousands of audiences gathered to support them and make the film festival a highly memorable one. The highlights includes the TIFF’s industry conference that highlights aspects regards to the film industries merging on the global platform in Toronto. The TIFF Tribute awards, that are awards presented to exclusive people according to their works and performances in the film industry. Thirdly, the film screenings, being a key event and a huge focus for the people who just love to watch films. Fourth, the TIFF’s people’s choice awards, i.e. people choosing for themselves as they are the best judge in every film industry of the world. TIFF Juried awards, i.e. awards that are presented and awarded by a panel of judges and Jury. The Canadian feature films, that promotes the Canadian film industry which is growing with a decent Thepace.second-last highlight being International Cinema, which is a huge celebration at the TIFF. International cinema means films in different languages, e.g. films from Korea, India, China, France and many other countries where cinema is a huge

OVERCOMING THE 2022 TOP RECRUITMENT CHALLENGES - KEY HR CHALLENGES DMM DEPARTMENT

The year 2022 in Canada as well as worldwide is currently encountering some recruitment challenges. These are key challenges that needs to be taken care of with respect to how the challenges needs to be addressed. Addressing the challenges means how well the human resource is working to sort out the challenges & what they need to do. The reason behind the challenges in 2022 are linked primarily with the challenges faced lately due to the credit crunch that came in 2020 and 2021. The two years being the most affected ones in terms of the pandemic COVID-19. Apart from the pandemic are other market forces over the past couple of years that have capitalized towards additional recruitment challenges. There are ongoing talent shortages, as well as the job seekers re-evaluating their work-life balance. Practically, now is the best time to assess your current recruitment Hereprocesses.aresome of the top tips for the sake of surviving the biggest recruitment challenges in 2022: Reviving Employee Engagement: Employee engagement is a key aspect that ends up being part of the recruitment challenges. How employee engagement is judged is regards to the feedback from past records and your past job. However, it is termed as a vital engageMB Enterprises

56 WWW.MBEFORYOU.COMMBE BUSINESS MAGAZINE SEPTEMBER 2022

The speeding up of the hiring process is yet another key aspect that is part of the top recruitment challenges HR shall face in 2022. The hiring process includes certain screening procedures that in MNC’s might even take 5-6 months, even 7-8 months as well. This is due to the strict criteria of the companies that are international standards & companies that follow international standards on a much regular basis. A remedy to this process in 2022 is finding a way to streamline your recruitment process so that you can extend an offer in the shortest time possible. Doesn’t primarily means that the company or HRD is missing any vital steps or taking any kind of risks regards to the hiring process. It’s in fact all about better planning at every stage in the process and making fast decisions. These are decisions that can prove to be a lifeline both for the employees of the company and for the company itself. Fortunately, by chance, if you find a perfect candidate that suits all the requirements, therefore, make them an offer subject to the reference checks. Most importantly, it’s important for the companies as well to show employees their keenness & eagerness in terms of the hiring process.

Consider A Cultural Fit First: Upskilling & reskilling have become a major part of the hiring process. This is where people can get hired based on their cultural fit and the potential to learn. Considering this fact, it is indeed an advantage that should surely resolve the challenges of recruitment in 2022. Later on, training can then be provided to the employees or workers for the sake of ensuring the workers have the technical skills to get the job done. Further, to support the workers in terms of the technical skills, they can get certifications & course certs regards to their technical & professional training. Something, that can be a remedy to the recruitment challenges in 2022.

Speeding Up the Hiring Process:

ment indeed for the sake of reviving recruitment strategies. By recruitment strategies we clearly mean strategies that sums up to current recruitment policies. Recruitment, either internal hiring or external recruitment is indeed part of the HR principles that surely needs an analysis of employee engageDuement.to the pandemic in Canada showing its impacts all over the Canadian provinces, the initial enthusiasm of the employees has been hurt and depleted deeply. Furthermore, now is the time for the employers to start digging deep into their reserves. Furthermore, try and build employee engagement once again. The best thing to start is with the vision of the company, which can even be a revised vision. Furthermore, each and every employee knows what and how much & finally how they are contributing. Exploring the sole purpose in your job is definitely a key motivator for many people. Finally, it is one of the best ways to drive employee engageSomething,ment. like the rewards program and making a review of your learning & development plan to see what’s on offer to employees at all levels. Hence, it certainly can be a best idea for the sake of reviving employee engagement.

57WWW.MBEFORYOU.COM MBE BUSINESS MAGAZINE SEPTEMBER 2022

Taking Services of a Specialist Recruiter: Taking professional & highly focused services of a specialist recruiter shall not only reduce the time involved but also the various challenges in the process of recruitment. Specialist recruiters are highly trained to serve regards to the requirements of the employer and they can easily make analysis of the ups and downs of recruitments. Something, that can easily resolve the recruitment challenges in 2022, provided the employer can spend some extra quid.

01 DOLLARSBillion yearly and 2000 ATMs underoperatingourswitch. processed A new way of approaching the ATM industry and processing ATMs across CANADA 100 Dynamic Drive Toronto, ON MIV cashwave.live5C4info@cashwave.live

Poynt as low as $45 rent per month everything included ON TH E S I T E YOUR FIRST CHOICE FOR PAYMENT PROCESSING Tetra Move 5000 as low as $35 rent per month with 3G, Wifi and Touch Screen Tetra Desk 5000 as low as $25 rent per month with Color and ScreenTouch A d d r e s s : 10 4 10 0 D y n a mi c D r i v e , To ro n t o , ON M1 V 5 C 4 Emai l : pos @ m b e f o r y o u . c o m We b : pos. m b e for y o u . c o m F ax : 1 86 6 20 4 68 8 8 +1-866-667-1377

60 WWW.MBEFORYOU.COMMBE BUSINESS MAGAZINE SEPTEMBER 2022

WHAT IS DIGITAL ECONOMY & HOW IT IS BUSINESSES?TRANSFORMING

WHAT IS DIGITAL ECONOMY? As we get deeper into finding out what is a digital economy, it is imperative to DIGITAL MEDIA MARKETING MB Enterprises

The digital transformation is one of the fundamental drivers behind the continuous shift in the global economy. As we all are aware of the digital economy being the economic activity that results from billions and trillions of online connections among the people. Also, the businesses, devices, data and the processes. As we are all very well aware of the world that is changing continually. The continuity in this change is amazing to note & the way it is transforming the economy. As a matter of fact, one of the fundamental drivers is digital transformation. If we look at things more closely and at its core, the digital transformations is about the technology. Alternatively, everything switching to technology & the shift is indeed a huge advantage for the people. That is, the consumers of technology. As an example, we can discuss the online buying and selling which is a far more common trend. Hence, than it used to be in earlier days. Websites, like e-bay and amazon are used for buying & selling, thus a good example of the digital transformations. A good enough example of digital transformations is that it refers to the adoption of digital technology to transform services or businesses.

The Internet of Things (IoT), has also been a key player while the digitization of everything is creating new intelligent digital networks of networks that fundamentally change the way commerce is managed. In addition to being managed, optimized, shared and deployed.

The transformation towards the digital economy in the upcoming years is expected to increase for all types of new and old businesses. It’s not only part of a digital trend or a culture. However, it’s also a necessity for being more competitive and being more aware of the challenges of the digital world.

A UNIQUE CUSTOMER EXPERIENCE: It’s definitely a unique & a very different customer experience. Thus, it’s a customer experience where the customers want to interact with the businesses, irrespective of it being business-to-business or business-to-consumer. The customers usually want to interact wherever they want to interact & in the most convenient fashions, i.e. according to them. Thus, the customers prefer their convenience & prefer their interactions in ways different than the others.

IS THE FUTURE OF WORK IN SAFE HANDS? A huge credit goes to the digital economy, Yes, the future of work is Safe, and also in safe hands. People can prefer to work remotely, i.e. from home, different offices, or a local coffee shop. It’s the connectivity that is a huge answer, and things have changed and made work safer. While, where we work has changed, we all expect the same level of connectivity experienced in the physical office.

know that digital economy is the hyper connectivity. This, obviously means the growing interconnectedness of people, organizations and machines.

THE INTERNET OF THINGS (IoT):

The Internet of Things, also known as IoT is a concept in the digital world and the digital economy that connects the digital world with the physical world. This is through collecting the data, apart from measuring & analyzing data for the sake of prediction and automate business processes. It’s a unique connection that drives change as IoT solutions enable the businesses to analyze data generated by sensors on physical objects in a world of intelligent, connected devices.

61WWW.MBEFORYOU.COM MBE BUSINESS MAGAZINE SEPTEMBER 2022

An amazing example of digital economy is the example of Uber, Facebook, Ali Baba and Airbnb. It’s so amazing & so proud to know that Uber, the world’s largest Taxi Company owns no vehicle, but still it’s the world’s largest Taxi & commuting service. Secondly, Facebook the world’s most famous social media site creates no content, in fact all the content created is by the users themselves. Thirdly, Alibaba, the most valuable retailer has literally no inventory which is such a beautiful example of what a digital economy is. Finally, Airbnb, the world’s largest accommodation provider, owns no real estate. It’s not exactly regards to the ownership, it’s about the services & the utilization. It truly determines the power of the Internet, The Internet of Things (IoT) and how internet has transformed things digitally in much proper & highly improved ways. At the same time, while making money talk in many different languages, but merging on the same platform that is the digital platform. The best question that one needs to ask themselves being part of the digital economy is. What can these young companies teach you about leading a digital transformation in your industry?

Apart from the interactions from the businesses, the customers further desire engagements with the brands as well. These are interactions with the brands through experiences that are seamless, direct, personalized and finally contextual.

The digital economy further on is taking shape as well as undermining conventional notions about the way businesses are structured and how? How the various firms interact & the way consumers obtain services, information & goods.

Market research can be really helpful in your business growth in multiple ways as it is a huge way that helps your company in the true understanding of your customers. It also acts as an effective platform for the sake of good customer engagement and is a vital tool for product development & improvement. It is indeed a very useful way that helps significantly in evaluation & moving forward. Getting regular customer feedbacks & how customers feel for Three key variables that plays a highly significant role in determining the level of importance attached with a set of products & services. As an example we can use the company Starbucks whose market research approach is a unique one & revolves around the values attached that relates to gathering customer feedback & monitoring social media. Also, includes tracking cultural trends as well as regular product testing. All these four are necessary with regards to development of Starbuck’s marketing strategies. CAN HELP BUSINESS GROWTH? MB Enterprises

IN YOUR

HOW MARKET RESEARCH

DMM DEPARTMENT

Provides A Good Understanding Of The Customers: The customer information that is useful for providing the good understanding of the customers while conducting market research includes some key variables. These includes the age of the customers, their gender, their location & what is their monthly income. Other key variables also includes the marital status of the customers & whether they have children or not if they are married. All these helps in providing a good

63WWW.MBEFORYOU.COM MBE BUSINESS MAGAZINE SEPTEMBER 2022

simple, it really helps in determining the customer feedback & what customers think regards to the taste & other key variable aspects. Here are some of the ways how market research helps in growing your business; Provides Competitive Advantage: Market research not only helps in determining different strategies, however, it is also helpful in providing competitive advantage. This competitive advantage is a huge necessity of a marketing environment that demands success via marketing Theresearch.keydetails that you as a business owner can research about your competitors includes Sales volume, market share & efficiency as being top three. Other includes the suppliers, labor cost & strengths & weaknesses that are associated. For some business owners, especially the new entrants it’s important for them to know your window of opportunity for market entry. Other necessary factors includes the importance of target market to your customers & any barriers that may stop you from entering the market. Finally, the involvement of indirect or secondary competitors who may impact your business.

The effective market research is an attribute that widens your perspective while opening up new opportunities available in the market. The existing data can be gathered and analyzed for the sake of capturing the possible opportunities that includes Govt. publications, previous reports, as well as statistics. Hence, the information that would be useful in the identification of opportunities includes the key aspects like market size and the potential market share. Demographics and market competitors are the other two that are highly important for identification of good market research. Other two includes major suppliers and the market dynamics which play a vital part while conducting market research. Statistics are highly useful in this regards in the form of percentages, pie charts, histograms, bar charts and other statistical representation of data for user convenience that determines good results for the customers.

• Observe your competition & your competitors more closely.

The consumer habits & the behavior heavily influence the market trends. Hence, it can be hard to make predictions regards to where the trend line would go. However, for success in the world of marketing it’s a necessary element to focus more on predictive analysis & being predictive for current marketing trends.

understanding of the customers while making an analysis of their likes & dislikes. Spotting Emerging Market Trends:

The market changes are so rapid & so immediate that it can be highly important to spot emerging market trends. These market trends can become fashion statements that rule the markets for the sake of a positive customer response. Some of the things that companies must keep in mind while conducting market trends analysis are as follows. while giving them their true share of importance.

• Always listen to your customers

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.

Job Description Includes duties in three major areas: Daily Operations, Finances, and Marketing Customer Servicev Human Resources

Daily Operations, Financial, and Marketing Duties

WE AREMANAGERHIRING!RESORT

Career Overview

As a resort manager, your job will include managing all aspects of a resort, including lodging, food and beverage management, human resources, housekeeping, attractions, and guest services. You'll be in charge of employees, finances, customer service, promotions, and quality control. Resort managers often have to work nights and weekends, putting in long hours to ensure the success of their establishment.

66 WWW.MBEFORYOU.COMMBE BUSINESS MAGAZINE SEPTEMBER 2022

Contact:

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.

& C O N F E R E N C E C E N T R E H O T E L T H E SENATOR WE ARE HIRING! HEAD CHEF 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 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 HOW TO APPLY 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

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.

DMM DEPARTMENT

Enterprises 67 WWW.MBEFORYOU.COMMBE BUSINESS MAGAZINE SEPTEMBER 2022

MINIMUM WAGES IN CANADA ACCORDING TO PROVINCIAL VARIANCES MB Canada is a vast country that comprises of 10 provinces & 3 territories, i.e. total 13 provinces & territories that makes Canada the largest country in North America. It’s also the second largest in the world in terms of its overall area hence a key reason why the minimum wages in Canada varies according to provincial boundaries. The difference might not be that high, neither it’s that important that the difference lies there in the first place. However, it’s the difference in minimum wages in Canada from Ontario to Nova Scotia that is an attraction for the international students as well as the migrants. The reason for the difference being the ‘cost of living’, a factor that varies according to provincial boundaries in vast land Canada. This includes rent of homes & accommodations for the students, as well as commuting costs & other variable costs. The grocery & food items in most provinces in Canada stays the same, i.e. being uniform economicalEachly.

jurisdiction has its own labor laws that determines the minimum pay workers receive, the employee rights & the working conditions. Also, includes the minimum age to work, the overtime rules and the trade unions, apart from many other laws & Thejurisdictions.minimum wages is the lowest hourly pay an employer can legally pay an employee whether it’s part-time work or full-time work in Canada. It was in the year 1918 that the minimum wages rates & legislation were first established in the province Manitoba & British Columbia. Other provinces that includes Ontario, Saskatchewan, Quebec & Nova Scotia followed suit in 1920. The rest of the provinces adopted somewhat similar measures in subsequent years. Hence, the final wage legislation was enacted in Prince Edward Island in 1960. Below are the minimum wages of some of the most important provinces of Canada with variances that have been there with time.

MINIMUM WAGE IN B.C. 2022:

New Brunswick, a beautiful province is an attraction for the international tourists has the eight largest population in Canada. The economy ranks at number 9th and most prominent industries includes agriculture, forestry, fishing & mining. The current minimum wage in New Brunswick is at $12.75/hr & is expected to rise at $13.75/hr by October 2022. The current minimum wages is according to New Brunswick CPI, i.e. Consumer Price Index which is variable in almost all provinces of Canada. According to the wage history of New Brunswick the pay rise has been consistent but the rise has never been massive, i.e. not even less than a $1 from the previous minimum wages. An exception lies from $11.75 in April 2021 to $12.75 in April 2022, which was a rise of exactly $1.00. However, a rise of $1 in October this year is a good sign looking at the economic conditions that the province has seen lately, especially in the era of the pandemic.

MINIMUM WAGE IN NEW BRUNSWICK 2022:

MINIMUM WAGES ONTARIO 2022: Ontario is the biggest province of Canada in ter ms of the population numbers It is home to the biggest city, Toronto, & the capital city Ottawa Apar t from being the financial hub of Canada, it is the most impor tant province, as well as the most wanted province for the inter national students with the largest number of people coming to Ontario on a yearly Accordingbasis to figures from the current year, i.e 2022, the minimum wage rate in Ontario is currently residing at $15.00/hr However, there is an expected rise in the minimum wages taking effect from 1st October which should be $15.50/hr based on the CPI results, i.e Consumer Price AccordingIndex. to results from a brief histor y, the minimum wages has changed dramatically from 2007 to 2020 In 2007, it was at $8.00/hr, in 2014 it was $11.00/hr with a significant rise seen in 2018 to $14.00/hr from $11.60/hr in 2017. This variance that star ted since 2007 shows how the minimum wages have changed in Canada with many factors that have affected the CPI, i.e Consumer Price Index.

British Columbia, is yet another famous province of Canada which is famous for inter national students & migrants coming to Canada on a yearly basis According to the population statistics, British Columbia ranks third in ter ms of the population stats with many people working ever y day in the Capital city Victoria, & the largest city Vancouver. The province according to stats has the four th largest economy in the countr y with diverse industries including Tourism & Agriculture being the most impor tant ones. The current minimum wage in B C province is $15.65/hr effectively from 1st June 2022, which has risen from $15.20/hr It’s now the highest minimum wages rate per hr amongst all the provinces of AccordingCanada.tothe

MBE BUSINESS MAGAZINE SEPTEMBER 202268 WWW.MBEFORYOU.COM MINIMUM WAGES

MINIMUM WAGE IN B.C. 2022: British Columbia, is yet another famous province of Canada which is famous for international students & migrants coming to Canada on a yearly basis. According to the population statistics, British Columbia ranks third in terms of the population stats with many people working every day in the Capital city Victoria, & the largest city Vancouver. The province according to stats has the fourth largest economy in the country with diverse industries including Tourism & Agriculture being the most important ones. The current minimum wage in B.C. province is $15.65/hr. effectively from 1st June 2022, which has risen from $15.20/hr. It’s now the highest minimum wages rate per hr. amongst all the provinces of AccordingCanada.tothe

ONTARIO 2022: Ontario is the biggest province of Canada in terms of the population numbers. It is home to the biggest city, Toronto, & the capital city Ottawa. Apart from being the financial hub of Canada, it is the most important province, as well as the most wanted province for the international students with the largest number of people coming to Ontario on a yearly to figures from the current year, i.e. 2022, the minimum wage rate in Ontario is currently residing at $15.00/hr. However, there is an expected rise in the minimum wages taking effect from 1st October which should be $15.50/hr. based on the CPI results, i.e. Consumer Price to results from a brief history, the minimum wages has changed dramatically from 2007 to 2020. In 2007, it was at $8.00/hr, in 2014 it was $11.00/hr with a significant rise seen in 2018 to $14.00/hr from $11.60/hr in 2017. This variance that started since 2007 shows how the minimum wages have changed in Canada with many factors that have affected the CPI, i.e. Consumer Price Index.

Minimum Wage history, in the month of May in 2011, the minimum wages was declared as $8.75/hr, with many rises in the middle until 2019 when it rose substantially to $13.85/hr from $12.65/hr.

MINIMUM WAGE IN NEW BRUNSWICK 2022:

news for the labor on the Inter national Labor Day as there are many people in Quebec that are migrants from the rest of the world.

The current minimum wages is according to New Brunswick CPI, i.e Consumer Price Index which is variable in almost all provinces of Canada. According to the wage histor y of New Brunswick the pay rise has been consistent but the rise has never been massive, i.e not even less than a $1 from the previous minimum wages

Amongst all the four provinces discussed, British Columbia province is standing tall since 1st June 2022 at $15.65/hr. This pay rise is because of the provincial Govt ’s promises made in 2018 in the parliament for the workers of B C regards to the standards & rights of workers

Minimum Wage histor y, in the month of May in 2011, the minimum wages was declared as $8.75/hr, with many rises in the middle until 2019 when it rose substantially to $13.85/hr from $12.65/hr

MINIMUM WAGE IN QUEBEC 2022: Quebec, the second most populous province of Canada & the only French speaking province has the second largest economy in Canada. The two key areas or sectors that the province dominate in are the ser vices and the manufacturing sectors According to the most recent stats, the current Minimum wages in Quebec province is at $14.25/hr which has just increased from $13.50/hr on 1st May 2022 A good

AccordingIndex.

Accordingbasis.

MINIMUM WAGE IN QUEBEC 2022: Quebec, the second most populous province of Canada & the only French speaking province has the second largest economy in Canada. The two key areas or sectors that the province dominate in are the services and the manufacturing sectors. According to the most recent stats, the current Minimum wages in Quebec province is at $14.25/hr which has just increased from $13.50/hr on 1st May 2022. A good news for the labor on the International Labor Day as there are many people in Quebec that are migrants from the rest of the world.

Amongst all the four provinces discussed, British Columbia province is standing tall since 1st June 2022 at $15.65/hr. This pay rise is because of the provincial Govt.’s promises made in 2018 in the parliament for the workers of B.C. regards to the standards & rights of workers.

New Brunswick, a beautiful province is an attraction for the inter national tourists has the eight largest population in Canada The economy ranks at number 9th and most prominent industries includes agriculture, forestr y, fishing & mining The current minimum wage in New Brunswick is at $12.75/hr & is expected to rise at $13.75/hr by October 2022.

An exception lies from $11.75 in April 2021 to $12.75 in April 2022, which was a rise of exactly $1.00 However, a rise of $1 in October this year is a good sign looking at the economic conditions that the province has seen lately, especially in the era of the pandemic.

Enjoy preferred rates at over 7,000 properties worldwide for work and play. Choice Hotels ® includes Comfort TM , Quality ® , Clarion ® and others like the upscale Ascend Hotel Collection ® . There are over 330 Choice locations across Canada – and over 7,000 worldwide. Hotels are conveniently located near major airports, key highways, and business districts. You’ll also be able to connect easily with colleagues and friends using free high-speed Internet, and jump-start your day with free breakfast at most locations. How to book Preferred Rates for [COMPANY NAME] ©2021 Choice Hotels Canada Inc. All rights reserved. When you’re in the business of great stays at better rates, our business is you. ™ Savings with Benefits. Get even more out of your stay. Enroll in the Choice Privileges® loyalty program before you book and earn points towards free nights, gift cards, getaways and more. You can also make reservations in seconds when information is saved in your Choice Privileges account profile. Download the app today! Enroll today! DESKTOP: Click here for direct access to Preferred Rates online or visit ChoiceHot els. com and f rom the drop down rate menu enter your Rate ID XXXXXXXX in the Special Rate/Corporate ID box before you search for locations. MOBILE APP: Download the Choice Hotels app and enter your Special Rate/Corporate ID XXXXXXXX to the Company Information section of your online profile: My Account > Update Profile >Company Information . CALL CENTRE: Call 800.424.6423 (800.4CHOICE) and provide the call agent with your Special Rate/Corporate ID XXXXXXXX before requesting location and dates. The Virtual Pay Program allows you to book and pay for hotel rooms centrally, even for travellers without a corporate card, making it easy for both the ClientServices@ChoiceHotels.ca Your well-being is top of mind for Choice Hotels and our thousands of independently owned and operated locations. With our Commitment to Clean initiative, we’ve built on our longstanding dedication to cleanliness with enhanced protocols for cleaning, disinfecting and hygiene. Face covering and social distancing requirements may vary by location. Please refer to local regulations. Retail Merchants Association of Canada

70 WWW.MBEFORYOU.COMMBE BUSINESS MAGAZINE SEPTEMBER 2022 ONSAVE$4.00EACHTICKETCINEPLEX JOIN RMA MBBP A ND NE V E R PAY FUL L PR I C E A G A IN FOR AL L Y OUR M O V IE NE ED S SAVING FROM $4.00 TO $14.00 VOUCHERS ARE GOOD AT ANY CINEPLEX OR AFFILIATED CINEPLEX LOCATIONS ACROSS NORTH AMERICA Address: 104-100 Dynamic Drive, Toronto, ON M1V 5C4 Tel: 1-855 (NOW-MBBP) 669-6227 Fax: 1-866 204-6888 Email: info@mbbpforyou.com Website: www.mbbpforyou.com W H E R E BE N EFITS M EE T R E W A R D CON TA C T: A MI T PUR I 1200048 & G E T A BETTER MO RTGA GE LI C 1087 4 C A L L FOR P ROFESS IO N A L MO RTGA GE A DVIC E Direct: 416 294 0074 Email: Wmortgage@signetmortgage.caeb:wwwsignetmortgageca NEED A MORTGAGE? WE OFFER B OT H COMMERCIAL & R ESIDE NTIA L

MENTOR – CHAPTER 11 SYED MANSOOR ALI AUTOBIOGRAPHYNAQVI

“A Entrepreneur”SuccessfulCanadian

"As a mentor a person gets paramount importance from their followers, but success comes from true following & demonstration of work."

The Autobiography of Mr. Syed Mansoor Naqvi. The man who made it possible with just a vision and a dream in his eyes.

ESTABLISHIING A BRAND’S PERSONALITY: Perhaps the most important step is to establish a brand’s personality which says a lot for the brand’s effective & unique image. In the process of brand identity development it is important to establish its uniqueness in terms of personality elements & bringing it closer to the company culture while it demonstrates ingredients to compete in the most competitive markets. In simple ways a brand is to a firm what a personality is to a person as it is the ambassador of a company’s image in the international arena. Applicable only if the brand is an international brand. While we realize this fact regards to the brand personality elements, it is also important to realize the fact that your brand personality flows through all your business communications. Apart from this it has a communication that is more

DIGITAL MEDIA MARKETING MB Enterprises Brand Identity To Develop One

Establishing A Unique

& What It Takes

Establishing a unique brand identity sets the real tone in the world of marketing & branding. It also is source to a culture of re-branding which is regards to the same brand but playing with its unique & initial image. As a matter of fact, a brand is an image-setter that sets vital tones for the future growth & product life-cycle of the Abrand.brand identity also differentiates you from your competitors while making you realize that just as you have a personality that is different. Similarly, there are personality factors that are attached to your brand. Below are some of the key things that makes brand in the eyes of its consumers;

72 WWW.MBEFORYOU.COMMBE BUSINESS MAGAZINE SEPTEMBER 2022

It takes everything to establish a unique brand identity, i.e. an identity which demands true success for the brand & its accomplishment in the markets. In fact your brand identity is a true essence of who you are. It says a lot regards to your personality, the way you think & the way you feel about the brand image. An image which comes after investing a lot of time & money on the brand identity aspects. Also, while we discuss more what exactly a brand identity is, it also says a lot regards to what values you stand behind. It also reveals volumes regards to the overall personality of your company & its culture.

73WWW.MBEFORYOU.COM MBE BUSINESS MAGAZINE SEPTEMBER 2022

Messaging is what helps build brands. Just as we know the importance of the taglines & the power of unique words attached with it. The lingual it has demonstrates the true meaning of the brand personality & the way it will motivate its consumers in the most competitive markets. Just like the tagline for the brand Nike which says ‘Just Do it’. A unique tagline that demonstrates how successfully it deals with the thinking of the people & nurtures the thinking for success through hard work & performance. If you want people to have fun while they use the brand, the language of the message in the taglines should be wittier & energetic that shows values of how to enjoy with the brand. Motivational aspects linked with brand marketing & development of a brand identity in the first place is the thing that makes a brand.

THE SIGNIFICANCE OF LANGUAGE BEHIND YOUR IDENTITY:

respectful & more concrete than its competitors in similar Thinkingmarkets. about a brand personality & how to develop that, you can definitely think about a famous person or a movie star & his unique attributes.

DEFINING YOUR AUDIENCE: How a brand develops is a key aspect, another integral & vital aspect is defining your audience. An audience holds the ultimate opinion regards to a brand, regards to its performances in the markets & regards to its positioning which also is known as brand positioning. Audience are the true judge & while the brand is in the upbringing stage, audience are the ones who act as the people who hold the brand together in the markets. Your brand to a huge extent needs to be highly influenced by your core demographics. A brand also demonstrates that who is your target audiences & why should they really care about your specific brand. This is regards to the demographics, i.e. age, location preferences & gender.

DESIGNING A LOGO & HOW IT DIFFERENTIATES A BRAND?

A logo in the world of marketing & branding is a key thing that differentiates a brand from another brand. In fact, it creates the real brand values & an image that is more unique than one can think of. Let’s remind ourselves of the Pepsi Logo, a

unique attribute that displays the three colors together, i.e. red, white and blue and how the logo has developed, changed and transformed over the years. It simply shows the personality of the soft drink & the way the drink unites the world & holds it together.

74 WWW.MBEFORYOU.COMMBE BUSINESS MAGAZINE SEPTEMBER 2022 JOINT VENTURE FINTECH SELECT / RMA CANADA JOINT VENTURE For more details about Selectcoin, please visit www.fintechselect.com/fintech-selectcoin/ We are pleased to announce that RMA CANADA - a subsidiary of MB Enterprises, has signed an agreement with Fintech to launch their Selectcoin Crypto-currency Solution. Selectcoin is a card-based digital wallet solution that enables customers to buy and sell crypto-currency through a point-of-sale at a retail location. Free Crypto enabled POS terminal with Free Display and Signage for retailers and merchants. 104-100 Dynamic Drive,Toronto, ON M1V 5C4 Tel: 1-866-677-1377 | Fax: 1-866-204-6888 E-mail: info@mbeforyou.com CORE BUSINESS MBE YOUR SUCCESS IS OUR PASSION inc. Helping you is what we do. TOP3 RMA & RevenueMBBPSharing Join MBBP/RMA to participate in our loyalty program and earn hundreds and thousands of dollars on business leads and membership referrals Save 3.5 Cents per litre on any type of fuel at any esso gas station across Canada regardless of volume.EssoSpecial Discount 3.5 Cent Per Ltr Save thousands of dollars on your day-to-day merchant payment processing of Credit & Debit Cards. Fully compliant, reliable service and exceptional savings for Payment Processing ServicesRMA& MBBP Members For InformationMore 1-855-669-6227info@rmacanada.com104-100 Dynamic Drive, Toronto, ON M1V 5C4 1-866-204-6888 Contact Us! Address: 104-100 Dynamic Drive, Toronto, ON M1V 5C4 Toll free: 1-866-667-1377 Fax: 1-866-204-6888 Email: info@mbeforyou.com Website: www.mbeforyou.com Contact Us: MBE YOUR SUCCESS IS OUR PASSION inc. Business Partners

75WWW.MBEFORYOU.COM MBE BUSINESS MAGAZINE SEPTEMBER 2022 GPRS $25.99 R/m | Debit 0.06 cents, Visa/Master 1.61% | S.Card $8.99 PAX S90 Wireless $29.29 Rental/Month, Debit 0.04cents, User Free 80/20, Batch Close $0.0 VX670 or VX820 (with Mobile Swipper) Virtual Merchant $32.99 Rental/month, Debit 0.06 cents Visa / Master 1.69, N-Qualified 0.064% IWL255 3G Wireless $30 Rental per month IWL220 Bluetooth $19.99 Rental/month, PAX S80 Terminal $26.99 Rental/month, ICT250 Terminal MERCHANT 'S FIRST CHOICE FOR Payment processing. Website: www.greatpos.ca Email: Phone:info@greatpos.ca1-844-894-7328 EXCLUSIVE OFFER: S i g n u p fo r m b bp /r m a t o day a n d r e c e i v e an a b s o lu t ely f r e e ev a lu a tio n of yo u r i n s u r a n ce p o li c y a nd r e sp for yo u r c hi l d r e n w it h o ut any o b lig a t io n N e w mb b p /r m a m e mb e r s w i ll al s o r e c e i v e 10 00 mb bp p oi n t s u po n a n y p u r c h a se L e t MB B P/R M A h elp yo u g e t yo u r i d e al in s u r an c e p ol i cy t o d ay ! DISCOUNTSSPECIALSERVICES Li f e Insu r anc e Drugs & De n t al Insua r nce Visi t o r / Tr a v el Insu r anc e Cri t ical Illn e ss Dis a bili t y Insu r anc e G E T IN T O U C H Ad d ress: 1 04 1 0 0 Dyn amic Dr i ve To ro nto O N M 1V 5C 4 E mai l: nsu ra n ce@mb eforyo u co m We bsi te : i ns u ran ce mb efory o u co m Toll F ree 1- 6 47 832 72 65 Te l: 1 866 6 67 1 377 Fax 1 866 -2 04-688 8 AS LOW AS $10 POINTS100 POS APERSONALCCOUNTING FREE PTR POINTS100 CFREEONSULTATION + UPTO 2000 POINTS MORTGAGE & BUSINESS POINTS250 LOAN POINTS2000 RENOVATION & BUILDING POINTS200 INSURANCE CREDIT COUNSELLING FREE CONSULTATION Earn Extra income with RMA & MBBP Referral Program Sign up as an MBBP/RMA member and refer a member to earn an immediate reward of $15. Earn further points by referring a client to sign up for any of our services and accrue points redeemable for cash Address: 104-100 Dynamic Drive, Toronto ON M1V 5C4. Fax: 1-866-204-6888 Tel: 1-855-NOW-MBBP (669-6227) Email: info@rmacanada.com Web: www.rmacanada.com global.mbeforyou.com Contact Us: 1-866-667-1377global@mbefor you.com Cashwave is a 100%web-basecuresed monitoring and administra tion solution for ATM management which allows ISO’s and merchants to keep track of real-time status of the cash in ATMs, receive alert notifications manage terminals and accounts,ac cess settlement details and view detailedreports “Highly customizable” “Detailed daily / weekly /monthly reporting” Manage cash loading agents” “Manage investors and set up commissions” “ISO can manage unlimited no. of merchant account ATMs” “Secure login with the option to create additional users and set up access controls on ISO level” “Area management features” C A S H WAVE KEY FE ATU R E S M BE GLOBAL is a software house and IT firm that specializes in providing financial technology solutions to enterprises and firms worldwide.

CALL US +1 416-926-8250 DESTINATION NORTHERN ONTARIO The ultimate experience of a lifetime. Presented by Saba Tours. We are now embarking on the Northern Ontario Ultimate Experience covering: Algonquin Provincial Park | Mattawa | North bay | Temiscaming | Kirkland Lake Timmins | Cochrane and many other destinations in Northern Ontario. Looking for your next adventure? Meet passionate people, get the taste of local culture with one of a kind experience. From traditional tipi teachings to paddle board yoga and all of these experiences will be arranged with Saba tours and partners for your next adventure trip. Saba 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. Saba Travel in business since 1984. Saba tours and MBE Group, Great team to deal with Address: 102 - 100 Dynamic Drive. Scarborough ON (M1V 5C4) E-mail: sabatravel@rogers.com

Turn static files into dynamic content formats.

Create a flipbook
Issuu converts static files into: digital portfolios, online yearbooks, online catalogs, digital photo albums and more. Sign up and create your flipbook.