ISSUE 61 | JANUARY 2021
CELEBRATIONS ON THE NEW YEAR’S EVE: AN OCCASION OF JOYPg. # 18
THIS MONTH FOCUSING ON Relationship With Your Colleagues & Subordinates
Canada Targets Over 400k Immigrants Per Year
The 22nd Fifa World Cup In Qatar
Apple Users Can Access Their Health Records Via Their Iphones
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CONTENTS
32
Apple Users Can Access
36
Horoscope
38
Crossword Puzzle
40
How Entrepreneurs Can Solve The World’s Biggest Problems?
Their Health Records Via Their Iphones
Jan 2021 - Capricorn
06
Relationship With Your Colleagues & Subordinates...
08
Positive Effects Of Vaccine
10
Qualities Of Effective Leaders In A Modern Environment
42
How To Ensure Your Pos System Is Secure This Holiday Season
16
Canada Targets Over 400k
44
How Tourism Marketers Can Boost
18
Celebrations On The New Year’s Eve
48
E-scooters Are A Nice Alternative
20
Event Calendar
22
Challenges In The Retail Industry...
On Canadian Real Estate & Migrations
Immigrants Per Year
Content Visibility
To The Better Way During Pandemic Times
Holidays and Observances in January
30
51
On Line Shopping To Hit Record High
Fifa World Cup 2022 in QATAR
52
How To Motivate Yourself For The Upcoming Year 2021
EDITOR'S LETTER Dear Readers, Greetings and good wishes for the New Year 2021! The 61st edition of MBE Business Magazine for the month of January 2021 is here. The editorial team of MBE Business Magazine hopes that the New Year brings you joy and happiness in your lives. It’s safe to say that 2020 was a difficult year for many. It was a year of uncertainty and unknown, as well as many challenges. We hope here at MBE Inc. that we were able to support you through the unknown and help you rise above the challenges. As well, we want to thank you for your ongoing support to help us through this unprecedented year. Closing off 2020 would have not been possible without you. We can’t wait to continue driving success with you in 2021. “Education has to teach us not only what we can know but also what the limitations of our knowledge are – what we don’t know.” Vartan Gregorian (1989) excerpt from the article of Mr. David R. Mackereth. Mr. Mansoor Naqvi shared his thoughts on relationships with colleagues and subordinates. Qualities of effective leadership in a modern environment, this article is shared by Mr. Alamdar Hussain. Mr. Mahmood shared his thoughts on the effect of the Covid-19 vaccine on the real estate sector. You will find this issue more 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 launched our magazine website as well so it will reach the maximum number of people via the electronic media. Your feedback is highly valuable to us. If you have suggestions or comments, feel free to call us at 1-866-667-1377 or email us at info@mbeforyou.com to tell us what you think about this issue.
Publisher MB Enterprises Editor-in-chief Aurora Zabala Senior Editor Peter Z. Vaisey Managing Editors Steve Montgomery Mahmood Naqvi Design Cynthia Tolson A. Khan S. Saad Production, Technology & Print Simon Wilson R.J Advertising S. Hassan Shoeib Kamal Administration Alamdar Hussein Erum Asghar R. Adil HOW TO REACH US Website: www.mbeforyou.com Feed-back: 1-866-667-1377 E-mail: info@mbeforyou.com Mail: 100 Dynamic Drive, Unit 104, Scarborough, ON, M1V 5C4. Fax: 1-866-204-6888 MBE Business Magazine is a monthly issue business magazine published by MBE. Inc. Ontario, Canada. Printed by Vision Printers
For ad placements and marketing related queries, please email us at digitalmedia@mbeforyou.com
Contents © Copyrights 2017 by MBE, may not be reprinted without written permission.
Thank you, Aurora Zabala, Editor In Chief.
Subscribe / Unsubscribe or Advertise by emailing us at mbe-marketing@mbeforyou.com
Relationship With Your Colleagues & Subordinates While Delivering Them What You Want The importance of having a proper direction & a roadmap
Syed mANSOOR Naqvi
PRESIDENT MBE
BEING STRICTLY RELEVANT:
before delivering it to your colleagues & sub-ordinates is
‘Relevance’ is a word which means sticking to something
something very pivotal. As a boss or a leader it should be
strictly towards what you are looking at in terms of a
your utmost responsibility & priority to make sure that your
road-map. Your idea as a leader must hold elements of
subordinates know what you want from them. Being precisely
relevance which means you know what you are looking for &
clear in your thoughts of how you think a certain task should
how you can communicate to your employees & sub-ordi-
be handled, is what the main priority is. You should be highly
nates in getting to what you want with relevance. Your
clear in your head as to what your agenda is & what you are
constant engagement with your employees & subordinates
looking for in terms of your key objectives. It’s just like
shows the level of importance of the relevance as to the
planning a journey to a certain place, but you are unable to
things you are looking for in a project. Hence, a project must
communicate it to the guiding device. Sometimes you know
be a complete projection of what you need from your employ-
where you are going, but the device is not telling you or
ees being a true leader.
guiding you properly with regards to the directions that you need.
THE IMPORTANCE OF RIGHT DIRCETIONS: Having the right directions & being guided correctly means
Play your role as a leader with full commitment and 100% vigor and energy so that your subordinate doesn’t get diverted or lost in the middle. Without having doubts on their capacities & capabilities, be a good communicator.
you have completed half of your job. Now you can be at the next big thing, if you know on paper what needs to be done
CREATING A FRIENDLY ENVIRONMENT:
next, i.e. the next step. The importance of right directions in
An environment of success is what you must aim & wish to
your head as a leader should also mean that you can
create being a leader in your company or having a big role.
successfully communicate them to your subordinates or the
Friendly environment means you have created a passage of
person who is the key role player. As a role player, they must
communication between you and your subordinates. This
be clear in their head what their boss is looking forward from
passage or tunnel further helps your subordinates to commu-
them. The directives should be well planned, for emphasizing
nicate with authority & clarity with their subordinates. All-in-all
key words & be particularly clear in stating goals while
a friendly corporate environment always helps in getting the
functions. As an example, if you as a boss, is looking for a
deliverables right.
marketing strategy for a launch of a business product, then your goal should be marketing strategy instead of any
Your attitude as a manager or a leader counts the most for
different strategy that is irrelevant or can hold elements of
your employees while you transmit your thoughts over to
irrelevancy.
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MBE BUSINESS MAGAZINE JANUARY 2021
W W W. M B E F O RYOU. C O M
them. They are highly crystal clear in their head, that irrespec-
attitude & their behavior that counts going forward. The flair is
tive of any personal affairs, our boss is indeed resolute &
important for you, but how important it is for a subordinate to
confident in giving us his mission ahead. The mission or a
follow is what needs to be figured out. You must as a leader
strategy is for the sake of the company and hundreds of
know the art of motivating your employees for the goals of
stakeholders attached to the company. At the end of the day
your company. Employee ownership and sense of ownership
its profitability & professionalism that we are looking at very
matters most in this regards apart from the friendly behavior
closely.
that you have created.
A friendly environment also means an environment of respect
Managing the responsibilities can sometimes be more critical
is also created. The respect that holds a leader and a
than practically achieving them in form of goals. Finally,
subordinate together in getting to their mission statements.
what’s truer is that it’s the attitude that makes a relationship of
While we gather together the importance of respect, we
trust move forward.
mustn’t forget the levels of importance attached to a responsible attitude that comes automatically after respect.
HOW TO MANAGE RESPONSIBILITIES? Managing responsibilities is what as a leader you must be teaching your employees or subordinates. It’s the way you manage your responsibilities that will be seen as an example by your many employees & people working under your influential leadership. More importantly, it’s the leader’s
W W W. M B E F O RYOU. C O M
MBE BUSINESS MAGAZINE JANUARY 2021
07
Positive Effects Of Vaccine On Canadian Real Estate & Migrations SYED MAHMOOD NAQVI Vice President | MB Enterprises
The Real Estate sector in Canada has
the amount of immigration numbers
downs and sudden decline in many
been suffering immensely due to the
which is expected to rise to overcome
sectors as the real estate sector is
adverse effects of COVID-19 on the
the impacts of COVID-19. It is highly
concerned, it will definitely be boosted
prestigious & high profit giving sector.
expected that the number of cases will
with the introduction of the vaccine
However, it is much predicted that with
rise to at least 400,000 annually i.e. in
and an automatic increase in the
the introduction of the COVID-19
just a period of one year. These are
migration numbers. It will also boost
vaccine many things will gather
huge figures planned according to the
the rental market of the Canadian
themselves towards stability & back to
Canadian immigration services who
Real Estate as new buyers will act as
normal. Apart from the lifestyle of
think that this increase is a necessity
a catalyst to the current situation.
people living in Canada it has a lot to
to balance the number of migrants in
do with the real estate behaviors & the
Canada in next two to three years.
interest rates involved in Real Estate
COVID-19 has been a major cause of
POSITIVE IMPACTS OF MIGRATIONS TO CANADA:
Canada.
stop in the decline of migration
According to figures and statistics new
numbers that were reduced due to the
comers coming to Canada accounts
lockdowns and economy facing shut
for more than a fifth of the housing
The vaccine will help in an increase in
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MBE BUSINESS MAGAZINE JANUARY 2021
W W W. M B E F O RYOU. C O M
markets. This will help boost real
all the interconnected sectors that are
estate in Ontario, British Columbia &
elementary for the growth of Canada.
Quebec according to a survey.
Newcomers are not only investing in
They reported that Condo sales in the
According to the Real Estate stats &
the Canadian Real Estate, they are
third quarter rose to 11.1% as
figures, immigrants buy 21% of
also investing in their family’s future.
compared to the same period last
houses and they may purchase
the Canadian Real Estate market.
year.
680,000 homes during the next five
There has been seen Variations have
years if the level of migrations are
been seen in two major cities in
With the introduction of the COVID-19
maintained in Canada. This is highly
Canada as prices have fallen in
vaccine, health will be boosted in
likely as most Real Estate experts
Vancouver and the increases slowed
regions affected by the pandemic, and
believe that it will rise instead of
in Toronto. The buying activity rose
automatically the contributions of new
declining. This is not only a positive
another 0.6% in September to
comers in Canada will be a huge
sign for the real estate sector, it is
512,000 units i.e. the highest level in
boost towards the Canadian Econo-
good for the Canadian economic
21 months and a huge 6.6% above
my.
growth as well. Experts truly believe
the 10 year average. These are figures
that newcomers to Canada are vital to
according to the Canadian Real
the health of their National Real
Estate Association. The Toronto Real
Estate market. They will boost virtually
Estate is one of the key contributors to
W W W. M B E F O RYOU. C O M
MBE BUSINESS MAGAZINE JANUARY 2021
09
QUALITIES OF EFFECTIVE LEADERS IN A MODERN ENVIRONMENT SYED ALAMDAR HUSSAIN Country Head - MB Enterprises
Leadership & leadership theories are
the sub-ordinates working under the
a leader if he wants to enjoy his
a significant part of the modern work
leader or a manager responsible for
position of trust. What he says & what
environment. The qualities of a true
the whole unit. What holds significant
he terms as important will be given
leader determines the way an
value is the way a Leadership
the due importance for future
organization is governed & managed,
connects with his employees. A
attainment of targets. While living in a
especially in a globalized environ-
leadership should have the distinct
target oriented world, words of
ment.
quality of connecting people &
motivation & words of wisdom holds
engaging them with each other for an
immense values for future change
‘THE LEADERSHIP TRUST’:
effective team performance. Connect-
management. Therefore, to become a
It’s the leadership trust that comes as
ing with subordinates creates values
confident orator it’s important to
a huge factor significantly for the
while working as a team player.
realize the ‘Powers of words’ & how to
people working in an organization.
motivate employees for future results.
Why it holds vital elements of change
It’s your connection that will make a
is because of the trust factor involved.
sustainable relationship between a
At the end of the day, its results that
leader & his employees.
matters for a leader. Results means
‘CONNECTING WITH YOUR SUB-ORDINATES’:
‘A CONFIDENT ORATOR’:
profits, values, motivation, & sense of
Exemplary leadership means a lot for
Being a confident orator is a must for
achievement & sense of responsibility.
10
MBE BUSINESS MAGAZINE JANUARY 2021
business because they generate
W W W. M B E F O RYOU. C O M
A confident orator holds significant values for his employees as well his clients and future clients.
‘LEADING FROM THE FRONT’: ‘Leading from the front’ as the phrase is used commonly for a true leader & his impactful leadership. How can people follow you if you don’t have a vision & the actions to do what you expect from them? To be a leader with a significant impact there needs to be a history of a series of successes attached to your impressive profile. The hard work that you have achieved matters most to become an example for others.
The following are some of the traits of a true leader; 1. Embrace Operational Excellence: Embracing operational excellence is what effective leaders are committed for continuous improvements. To achieve operational excellence a leader should be strict in his discipline & highly professional in his attitude. The agendas must be clear, concise & highly practical for achieving operational excellence. As a leader you shouldn’t micromanage. Let your people do their job, give them the sense of ownership and hold them accountable for results. Give them the sense of responsibility & pride. Also ensure they have access to both the financial & human resources they need to get the job done.
2. Encourage Employees & Make Them Feel Easy: Encourage your employees to get out of the comfort zone & make them feel easy. Employee motivation is one of the most creative elements of a leader. As a leader you should know what is the best use of your employees are. It’s all about proper utilization of resources while making them comfortable. Creating good rapport not only means that you are sensitive for your employees, but also that you want to work in a friendly environment. Self-confidence in employees will not only help them in their career, but will also bring good results for your company. It builds them for their next promotion as well as rises a sense of determination that is good for the company.
3. Nurturing the Right Culture: The right organizational culture & maintenance of that culture is an indirect responsibility of a leader. A culture of excellence is always beneficial for strict disciplinary reasons. As the leader of the business you should know what’s the right tone and the right culture to get what you need. You don’t have to be a Hitler, however, you need to know your business requirements & what the right strategy is. An organizational culture always paves the way in terms of creative elements & creating success theories.
W W W. M B E F O RYOU. C O M
MBE BUSINESS MAGAZINE JANUARY 2021
11
SYED MANSOOR ALI NAQVI
AUTOBIOGRAPHY “As a mentor a person gets paramount importance from their followers, but success comes from true following & demonstration of work- MENTOR –CHAPTER 11� The Autobiography of Mr. Syed Mansoor Naqvi, The man who made it possible just with a vision and a dream in his eyes.
“A Successful Canadian Entrepreneur�
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CANADA TARGETS OVER 400K IMMIGRANTS PER YEAR DMM DEPARTMENT MB Enterprises
Canada has increased its annual
amongst the countries opted for
research & many other factors
immigration targets to a figure of
foreign education & research,
including sports have been great
400K immigrants per year until 2023.
Canada is placed globally on the 4th
contributors to these cities high living
This has been decided after looking
position after USA, UK & Australia.
standards & lifestyle. The province
at the migration control that took
More importantly with new universi-
Ontario in this regards has emerged
place especially in 2019-20 due to
ties & colleges with higher standards
with greater significance.
the current scenario that is faced
built all across Canada the numbers
globally as well as in Canada. The
are increasing every day. Canada is
fact that immigration Canada knows
more significantly a land of much
CANADA’S NEW IMMIGRATION PLANS:
the number of new comers that they
greater opportunities as it used to be
The 2021-2023 Immigration Levels
should be accepting globally is
in time of early 80’s when the
Plan aims to welcome over 60% of all
keeping in mind the economic system
struggle was fresh and population &
immigrants under economic class
in Canada, economic values & in
population density figures were
program. This also includes through
some parts literary values. All these
significantly on a low. As Canada is
express entry & through Provincial
values have some major & in some
the 2nd Largest country area-wise &
Nominee Program. The Immigration
provinces highly major contributions
the largest in North America, the
Level plan are one of the most
from the immigrants. People coming
infrastructure has expanded with
important announcements that are
from all over the world contribute to
significant measures to rise in
made by the Canadian Government
the Canadian economy in terms of
economic values especially in cities
every year and depends largely on
education, business & trade & other
like Montreal, Toronto, Ottawa,
the economic situation of the country.
financial aspects that are interlinked
Calgary, & Vancouver. The amalgama-
This announcement includes the
with the economy of Canada.
tion of high-rise, increase in man-pow-
number of in-takes that will be taken
The fact cannot be denied that
er, investments in Universities &
as candidates for different programs
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MBE BUSINESS MAGAZINE JANUARY 2021
W W W. M B E F O RYOU. C O M
also including Provincial nominee program. The categories under which Canada welcomes its immigrants are economic, family, refugee, and humanitarian and compassionate grounds.
WHY CANADA AIMS TO MAINTAIN HIGH IMMIGRATION? Since many years Canada is maintaining its high immigration targets & this year they increased the numbers to larger extents due to the current ongoing economic crisis. Why since many years these numbers have been largely maintained is to offset the negative economic & fiscal impacts of the aging population of Canada & its relatively low birth rate as compared to rest of the countries. According to demographics & statistics the country has one of the world’s oldest populations, with a huge 18% of the population being age 65 and over. Also has one of the lowest birth rates i.e. 1.47 births per woman. Because of these numbers Canada shall be facing immense amount of challenges related to its spending in the near future. Hence, these challenges can be combatted with increase in number of migrations annually. These new migrants will support the labor force of Canada & automatically the economic growth. A brief history illustrates that since the founding of Canada in 1867 the vast country has welcomed over 300,000 immigrants annually just five times. The country is welcoming 0.9% of its population in immigrants and these figures are three times higher than the capita new comer in-take in United States.
IMMIGRATION TO CANADA & COVID-19: In many provinces in Canada the levels of immigration has been affected due to the impacts of COVID-19. This has resulted in huge drops in level of new comers coming to Canada in 2020, and this is also a major concern and a cause of increasing the level of immigration in next 3 years to 400K per year. The low figures have been partially due to the number of people approved permanent residence due to the circumstances in COVID-19 and many were unable to travel to Canada and there immigration documents expired due to travel restrictions in place in Canada. Significantly, the Govt. plans to balance the effects with measures that are already in place. These measures are a shadow of the economic values of Canada & an answer as to why immigrants play such a huge role in its policy framework.
W W W. M B E F O RYOU. C O M
MBE BUSINESS MAGAZINE JANUARY 2021
17
CELEBRATIONS ON THE NEW YEAR’S EVE: AN OCCASION OF JOY DMM DEPARTMENT MB Enterprises
The New Year’s Eve is celebrated all
people from many other European
Year’s Eve. The Eve comes with great
over the West in form of holidays. It is
countries gather together & pray for
shopping discounts and mouth-water-
celebrated on 31st December i.e. the
the well-being of their country & for
ing offers that makes it a huge day for
last day of the year, and people
Int. peace in the upcoming year.
people to celebrate & make joy in
usually gather in public places and do
form of family gatherings, parties, &
shopping & dining together. It is
The celebrations are usually
shopping together. It marks as a huge
usually a big day in most cities of the
mammoth as it signifies the impor-
day for the International Retail
world that includes London, Dubai,
tance & values attached with the New
industry as big brands all over the
Sydney, Toronto, Vancouver,
Year. Every year comes with huge
world open themselves with
Auckland, Moscow, Paris, & New
celebrations, and hope that the world
discounts and scintillating offers. New
York. The most exciting events that
will together fight the miseries, the
Year’s Eve is just like you can have all
happen on the New Year’s Eve &
poverty of many poor nations, the
the fun on the big night, and still you
something that makes it stand apart
hunger, & symbolize the day for
will feel that you have missed
from the rest of the days are the
global solidarity & unity of the people.
something your friend didn’t missed.
annual fireworks. Takes place usually
A day for the people to pray together that their upcoming year is bigger
millions of dollars invested on the
SHOPPING EXPERIENCE ON THE NEW YEAR’S EVE:
fireworks. In United Kingdom, the
Whether you are in London, UK,
give them the powers to encounter
fireworks are given mega status
Sydney, Australia or New York (USA),
the challenges of the New Year.
takes place in the capital city London,
you will never miss the great
where thousands of Londoners &
shopping experience on the New
in most big cities of the world with
18
MBE BUSINESS MAGAZINE JANUARY 2021
than the passing one, and may God
Shopping is an experience that unites W W W. M B E F O RYOU. C O M
people all over the world in form of joys & especially the joy to mingle & shop together & party together. Retailers, especially brands like Next, M&S, Zarra’s, FCUK, Moss Bros, & Debenhams are open with both hands for people who just love their shopping especially, the party frenzy ladies. It’s indeed the day for the night out & people dancing on their favorite tunes. Most cities, like Los Angeles, London, and Las Vegas are truly the hub of dance nights, partying and clubs open all night. Most people just enjoy all night, partying and drinking as they got to have fun and make the most of the New Year Eve.
FIREWORKS ON THE NEW YEAR’S EVE: People are waiting for the count of 12:00 am midnight and all the clocks of the world are synchronized. The Big Ben strikes 12:00 am, and its 1st Jan, i.e. the next day of the year. People start shouting & going crazy as the fireworks i.e. a huge and extravagant part of the New Year eve starts lighting up the skies of cities like London, Paris, New York & Sydney. If you are a Londoner you can’t miss it being the most expensive fireworks and the way it changes the whole scenario for people in matter of few seconds. It takes place for at least half an hour, and those few minutes are the biggest and brightest moments of joy for those gathered around the London Eye & the famous Sydney Opera in huge numbers. They just want to symbolize the New Year, and say a warm good bye to the year passing by. They don’t want to regret the passing year, the calamities, the bad things, & the challenges they faced personally. Instead, they want to hope for the upcoming year, with prayers of love & blessings from the Almighty to be showered & bestowed in the New Year. The fireworks takes place in Toronto in Canada & is marked as a symbol of Canadian unity & solidarity. It’s a declaration that Canada is a country that is one of the biggest in the world & has all the capacities & the capabilities to fight the upcoming challenges. Its migrants are people who deserve and share the same respect, love & status as the rest of the citizens from the great nation. Canada is a country that loves its people, either they are in Canada or away.
W W W. M B E F O RYOU. C O M
MBE BUSINESS MAGAZINE JANUARY 2021
19
JANUARY
EVENT 2021 CALENDAR JAN 01
FRIDAY
New Year's Day
According to the Gregorian calendar, used in Canada and many other countries, January 1 is the first day of a new year. This date is commonly known as New Year's Day and is a statutory holiday in all Canadian provinces and territories.
JAN 02
SATURDAY
Day After New Year’s Day The day after New Year’s Day, which is on January 2 in the Gregorian calendar, is an annual public holiday for many banks and government offices in Quebec, Canada.
JAN 06
WEDNESDAY
Epiphany
JAN 07
THURSDAY
Orthodox Christmas Day
JAN 14
THURSDAY
Orthodox New Year
Epiphany is celebrated in Canada on January 6 each year. It remembers the three wise men’s visit to baby Jesus and his baptism, according to events in the Christian Bible. Mummers or naluyuks may visit homes in Newfoundland and Labrador at this time of the year.
Many Orthodox Christians in Canada celebrate Christmas Day on or near January 7 in the Gregorian calendar. This date works to be December 25 in the Julian calendar, which pre-dates the Gregorian calendar. It is a time to celebrate the birth of Jesus Christ, who is believed to be the son of God.
Many Orthodox Christian Canadians celebrate the New Year on January 1 in the Julian calendar, which pre-dates the more widely used Gregorian calendar. This date falls on or near January 14 in the Gregorian calendar.
JAN 28
THURSDAY
Tu B'Shevat (Arbor Day) Tu B’Shevat (Tu Bishvat) is the 15th day of the Jewish month of Shevat. This festival is also known as the “New Year for Trees” and is observed in Jewish communities in countries such as Canada.
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MBE BUSINESS MAGAZINE JANUARY 2021
W W W. M B E F O RYOU. C O M
CROSSWORD PUZZLE SOLUTION
MONTH NOVEMBER
B A N D A H O R L I B E A D I S D E M E E A B C D R U R Y E E T I A R C A L O O N B U D E T E E E S
W W W. M B E F O RYOU. C O M
B A R C A R C A N D Y B A R
S P T Y R O I N S M R A I D T E E B L O B A O S
W E B S L A C E D A N T E
A M I D A L E L L S F O P A R I O T T R N E K E D S A A D W F R E E I N E S D E J O E A M S Y E
A L A S K A N C R A B
R I N S E
M E T E R
A T A R I
E S T E E
K E S E N S A S T
MBE BUSINESS MAGAZINE JANUARY 2021
21
CHALLENGES IN THE RETAIL INDUSTRY & WAYS TO OVERCOME THEM DIGITAL MEDIA MARKETING MB Enterprises
& finding out ways to overcome these
MAINTAINING QUALITY ASSURANCE PROCEDURES:
KEEPING UP WITH CUSTOMER EXPECTATIONS:
challenges. As the Retail industry is
The maintenance of a QA environ-
Customer expectations in the retail
constantly changing it is getting more
ment strict management of QA
industry are changing everyday &
challenging due to the rising consum-
procedures can be a challenge in the
keeping up with the expectations
er expectations. It’s getting hard to
Retail Industry. It’s not only the floors
requires a standardized & systematic
maintain customer loyalty aspects as
where quality assurance needs to be
approach. An example is that if a
well as managing internal communica-
met, however, it’s behind the curtains
customer is looking for a return
tions more effectively. Also one of the
as well where the real retail manage-
immediately, he should be given the
major challenges that holds vital
ment takes place. QA or Quality
return or exchange of product. This is
elements are related to employee
Assurance is part of every industry,
according to the 21 days peace of
retention & employee engagement. In
however, in the retail sector it’s a huge
mind policy in the retail sector that
the retail environment challenges rise
priority due to many variables. For e.g.
ensures customer satisfaction values
& gets sorted everyday including
in Walmart, quality assurance is
& customer’s peace of mind according-
Supply chain issues & quality manage-
everything, as it is required as part of
ly.
ment concerns. The retail sector is all
the standards maintenance & delivera-
about delivering quality everyday &
ble of the best services. When you are
MAINTAINING CUSTOMER LOYALTY:
maintenance of QA procedures in the
carrying a huge name with you, it
Customer loyalty is part of the brand
real retail environment.
can’t be afforded to justify any future
loyalty measurements while consider-
losses.
ing that a retail store or supermarket
Retail industry is all about challenges
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MBE BUSINESS MAGAZINE JANUARY 2021
W W W. M B E F O RYOU. C O M
is a brand. Customer loyalty is indeed
retain employees & keep them
important for a brand identity &
engaged in a dynamic retail environ-
THE BEST TECH SOLUTIONS FOR THE RETAIL INDUSTRY:
maintenance of customer loyalty
ment. Why employee retention is so
The retail sector is more equipped
measures. Why it is considered a
valuable? It is simply because of the
with the effective use of technology
challenge to maintain customer
amount of investment being made on
these days. The best technology
loyalty? This is merely because the
an employee & the expectation that
solutions includes POS solutions &
expectations of the customers get
comes from them automatically. As
effective use of the POS devices as
higher as they grow old, hence, it is
the retail sector in Canada holds huge
the retail staff needs to be well
difficult indeed to maintain customer
competition in terms of profits &
trained. It not only makes things fast,
loyalty. Customer loyalty can be
employee training. Most employees
but the integration of technology
achieved through the effective use of
switch to a better position as soon as
means that you are well equipped with
a CRM system i.e. a Customer
they get another more suitable
the modern tech requirements. Apart
Relationship management system.
opening
from this the use of self-scan &
This usually is for maintaining good
.
self-payment machines means higher
terms with old & useful customers in a
Employee engagement holds huge
consumer traffic while bringing higher
retail environment. Further, for
values as well, as it signifies the
volumes of sales.
customer loyalty aspects you should
importance of creatively using an
All in all the use of technology in the
be using a personal approach for
employee’s talent & his/her abilities.
retail sector is bound to improve
example sending promotional e-mails
Engaging employees at different levels
procedures to a great deal in the near
to customers or greeting cards &
in the retail sector will automatically
future.
offers to customer on special
give them a boost in their career & is a
occasions, e.g. their birthdays.
huge plus regards to the maintenance of QA procedures. It shows the level of
EMPLOYEE RETENTION & ENGAGEMENT IN RETAIL ENVIRONMENT:
involvement an employee can get to &
This is usually a key challenge to
company.
W W W. M B E F O RYOU. C O M
their sense of ownership with the
MBE BUSINESS MAGAZINE JANUARY 2021
23
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Youth, Gender,
The Environment And The Separation Of State, Religion And Business Part Two DAVID RALPH MACKERETH dmackereth@canimac.com
YOUTH
was in fact probably created for his benefit.” Always
“Education has to teach us not only what we can know but
cognizant, the child did not ask to be born!
also what the limitations of our knowledge are – what we don’t know.” Vartan Gregorian (1989).
“In the lives of individuals and of societies, language is a factor of greater importance than any other.” Ferdinand de
“Compare the views, make allowances for distortions, and
Saussure, Course in General Linguistics (1916).
then judge for yourself. That is the only way. Hence the many newspapers on my table.” Samuel Robinson Littlewood (1875
“It is more important to pave the way for the child to want to
– 1963).
know than to put him on a diet of facts he is not ready to assimilate.” Rachel Carson, The Sense of Wonder (1965).
“[…] the human nature takes it shape in the years between
“If you would be a real seeker after truth, it is necessary that
one and five.” Virginia Woolf (1929).
at least once in your life you doubt, as far as possible, all things.” Rene Descartes, Meditations on First Philosophy
Most animal parents are compelled by Nature to provide their
(1641).
young with the very best enabling instruction. The lion’s share of this knowledge has accumulated through evolution.
Youth should be provided with the most useful possible
G.K Chesterton, in his 1910 book ‘What’s Wrong with the
knowledge as they progress to maturity. And to provide this
World’, sets the stage a century ago: “Obviously, it ought to
information without detrimental effects, as Seymour Papert’s
be the oldest things that are taught to the youngest people;
1984 ‘New Theories for New Learnings’ cautions, “the scandal
the assured and experienced truths that are first put to the
of education is that every time you teach something, you
baby. But in a school today the baby has to submit to a
deprive a [student] of the pleasure and benefit of discovery.”
system that is younger than himself.” To a child beginning out
Determining the source for this learning, Marshall McLuhan
on their lifelong journey, the world appears rather simple. As
mentions in his 1974 public lecture ‘Living at the Speed of
we learn from Northrop Frye, in his 1990 ‘Words with Power’,
Light’, “Ivan Illich has a book called Deschooling Society, in
“Innocence he [William Blake (1757 – 1827)] associates with
which he argues, since we now live in a world where the
children, not because of any moral superiority in the child, but
information and answers are all outside the school room, let
because the child assumes a world that makes sense, and
us close the schools.” Illich stresses in this 1970 ‘Deschool-
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MBE BUSINESS MAGAZINE JANUARY 2021
W W W. M B E F O RYOU. C O M
ing Society’, “School prepares for the alienating institutionali-
we suffer, and carry the burden of existence, and there is no
zation of life by teaching the need to be taught.”
remedy other than illusion.” A.C. Grayling, The Good Book: A Humanist Bible (2011).
“Children generally should not become acquainted with life in every aspect from the copy before getting to know it from the
“If people do not believe that mathematics is simple, it is only
original. […] we should keep children up to the age of sixteen
because they do not realize how complicated life is.” John von
free from all theories and doctrines where there may be great
Neumann considered the last of the great mathematicians
errors.” recommended by Arthur Schopenhauer, On Educa-
(1903 – 1957).
tion (1851). And this should at least cover: religion, forms of government (especially political parties), nationalism,
Obviously human children do need some form of special
patriotism, ethnicity, gender etc. Schopenhauer’s thought
education to move forward in their non-animal world – and
requires assessment, as we evaluate the consequences of
language could be the most important. Ludwig Wittgenstein
forced societal systems being layered on our youth’s hard
works into his 1921 ‘Tractatus Logico-Philosophicus’: “The
drives (brains), while they are actually unable to fully under-
limits of my language are the limits of my world.” The extent
stand the essence of the particular element – possibly
of language required by our youth is even more important in
representing a lesser form of child abuse! Emphasizing that
the Digital Age, as specification limits the ability to under-
they did not asked to be born, and supposedly have ‘Free
stand the scope of the modern world. Marshall McLuhan
Will’.
brings to light in his 1974 ‘Living at the Speed of Light’, “The scientist has great trouble looking forward past his problems
Selecting the most appropriate subjects for our youth to learn
because his knowledge [including language] gets in the way.”
requires looking beyond the needs of the adults. Tapscott
Human knowledge is one thing; however, if we are to compre-
and Williams in their 2010 ‘Macrowikinomics’ advise, “Young
hend the Universe, we will also need to master its language:
people are bearing the brunt of our failures. Full of zeal and
mathematics. With the ‘Universal Genius’ Leonardo da Vinci
relatively free of responsibilities, youth traditionally, the most
(1452 – 1519), directing; “Let no one who is not a mathemati-
inclined to question the status and authority.” Bertrand
cian read my work.”
Russell, in 1925, engenders parent’s attention in his ‘ABC of Relativity’, “Einstein’s ideas, similarly, will seem easier to generations which grow up with them; but for us a certain effort of imaginative reconstruction is unavoidable.” We have the following on Einstein’s approach from John Hands in his 2015 ‘Cosmosapiens’, “[…] the Big Bang theory didn’t derive from observation: it arose from solutions to the equations of Einstein’s General Theory of Relativity, one of which was selected because it best fitted observations […]”. “So Einstein was not alone when he faced the need for new notions of space and time. It was as if he carried Galileo, Newton, Leibniz, Kant, and Mach in his back pocket and was able to converse with them and benefit from their insights. Similarly, a good knowledge of Plato, Kant, and others gave [Uncertainty Principle] Heisenberg a language to go beyond Newtonian particles.” Lee Smolin, Einstein’s Unfinished Revolution (2019). Isaac Bashevis Singer, in a 1978 speech mentioned; “Children […] have no use for psychology.” And James Joyce’s demanding 1939 ‘Finnegans Wake’ cautions, “[…] they were yung and easily freudened.” “No one came to be wise who did not know how to revise an opinion. […] But most people not only recognise nothing as good in our life unless it is profitable. […] Alas, the truth is that
W W W. M B E F O RYOU. C O M
MBE BUSINESS MAGAZINE JANUARY 2021
27
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E-Commerce
FIFA WORLD CUP 2022The 22nd FIFA World Cup in QATAR DMM DEPARTMENT MB Enterprises
The next FIFA world Cup will be held
Asia was in 2002 i.e. Korea-Japan,
in Qatar in the year 2022. This will be
and was won by Brazil, as they
A BRIEF HISTORY OF FOOTBALL WORLD CUPS:
the 22nd Edition of the Football world
attained their 5th title. Brazil also
The first FIFA world Cup was held 90
cup which is the most followed &
became the country with most titles
years ago in 1930 in Uruguay & was
most played sport in the world. Apart
i.e. 5 titles since its first Football title
won by Uruguay. After that second
from being the most played & most
in 1958 in Stockholm, Sweden.
world cup was held in Rome, Italy in
followed, Football is also the highest
However, as a matter of fact this
1934 and then later in 1938 in
paid sport in the world. FIFA is a body
World Cup holds huge significance as
France. After the third edition there
that organizes and monitors Football
this is the first time it’s taking place in
was a huge gap of 12 years as the
activity all over the world, & it’s
Middle-East, and first time hosted by
tournament was postponed twice due
headquarter is situated in Zurich.
a Muslim nation, i.e. Qatar. A country
to World War II. The next edition was
Gianni Infantino, the Swiss-Italian
that is very small in terms of area, but
held in 1950, i.e. post World War II, in
footballer is the current President of
as far as GDP Per Capita is
Brazil and then in 1954 it came to
FIFA, the International body that
concerned it is on top of the list. Why
Europe again and was held in
strictly monitors the sport. The Senior
Qatar deserves its place? As a
Switzerland. The Scandinavia came
Vice-President of FIFA is Salman Bin
matter of fact they have proved that to
into limelight for the first time hosting
Ibrahim Al Khalifa who was born in
FIFA that they are the most deserving
the 6th edition and it was hosted by
Bahrain.
candidates to host the most prestig-
Sweden, who also played in the
ious sports i.e. World Cup. The next
finals, but lost to Brazil. The next
The next FIFA world Cup will be the
edition after 2022 will be jointly
edition was held in Chile and the 8th
second edition of the World Cups
hosted by Canada, USA & Mexico in
edition of the FIFA World Cup was
overall that will be taking place in
2026.
the first World Cup held in England in
Asia. The last time it happened in
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MBE BUSINESS MAGAZINE JANUARY 2021
1966. It was not only the first time W W W. M B E F O RYOU. C O M
English hosted the trophy, but for the first time England won the FIFA world Cup as well. In 1970, North America came into the hosting list for the first time with the world Cup being hosted in Mexico. Later in 1974 it was held in the divided Germany, and took place in West Germany to be precise. The 11th FIFA edition was held in Argentina, and they won the world Cup in their home country. The 12th Edition again came to Europe and this time it was held in Spain, and was won by Italy for the third time. Mexico hosted the cup again in 1986 and then later in 1990 it was held in Italy again after 1934. The 15th Edition of FIFA world Cups was held for the first time in USA in 1994 and the Super power became the host for the very first time. The 16th edition took place in France and French were also the proud winners of the home World Cup.
FIFA WORLD CUPS SINCE 2002: Interestingly, the 17th edition became the first one in Asia, i.e. Japan and South Korea became the joint host in 2002. The rest of the three being, Germany 2006, South Africa 2010, and Brazil hosted the Cup again in 2014 after 1950. The World Cup was held first time in African continent when South Africa was the first African nation to host the World Cup. The last edition of the FIFA world Cups was the 21st edition that was held for the very first time in Russia in 2018.
CONSTRUCTION OF STADIUMS & OTHER DEVELOPMENTS IN QATAR: The Qatar 2022 will be held in eight stadiums that are being newly constructed to host the biggest sports trophy in the history of the games. Two stadiums have been already completed that includes Khalifa International Stadium and Al-Janoub Stadium. Three more stadiums i.e., Education City Stadium, Al-Rayan Stadium & Al-Bayt stadium are set to be inaugurated during 2022. All stadiums will be ready and delivered well in advance of the tournament. Qatar will be the 18th country to host the tournament and there has been massive developments already in place before the world cup takes place officially. FIFA world cups is the only event in the history of all the Sports that are played and hosted all over the world. It holds mega significance since three editions took place Pre-World War II and is the most medieval amongst all the sports world cups that are ever held.
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MBE BUSINESS MAGAZINE JANUARY 2021
31
APPLE USERS CAN ACCESS THEIR HEALTH RECORDS VIA THEIR IPHONES STUART HIMMEL Staff Writer
Dr. Danielle Martin has long sought
integrated in a very user friendly
Through Apple’s Health app, iPhone
that patients at Women’s College
way”.
users can sign on to view their
Hospital would be able to find help
records through a hospital or health
without barriers, like waiting 45
Health records from three Ontario
care institution in their area. This will
minutes to see a health care profes-
hospitals, Women’s College, St.
grant them access to immunization
sional.
Joseph’s Healthcare in Hamilton and
records, lab results, allergies, clinical
Mackenzie Health in Richmond Hill
vitals and other information through
So when Apple approached the
are the first to make this feature
their phones.
Toronto hospital to be part of the
available to patients. Other health
Canadian expansion of its Health
care institutions across Canada that
This feature is already available for
Records feature on the iPhone,
offer electronic records can sign on
Apple users in the U.S. where more
Martin was eager to participate.
as well, Apple said.
than 500 institutions have made their
The feature allows Apple users in
records accessible to patients
Toronto and surrounding areas to
Martin called the feature a potential
access their existing health records
“game changer”. It allows patients to
on their mobile, through Apple’s
access all of their records in one
Kevin Lynch, Apple’s Vice President
Health app.
place instead of relying on health
of technology, said the company has
professionals to be kept in the loop
long aimed for access to health
Martin said “I have to say it’s very
about their diagnosis. This is especial-
records to be part of the iPhone
cool. You can see everything you
ly important if someone is seeking
user’s experience since Apple
need to know about your own self, all
care at more than one place.
launched its Health features applica-
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MBE BUSINESS MAGAZINE JANUARY 2021
through their iPhones.
W W W. M B E F O RYOU. C O M
tion in 2014. Lynch said the Health Records feature on the iPhone offers a direct link between the user and their health care institution. To access records on their phone, users will be given the option to log in through the institution’s pre-existing electronic health records portal. Their health information is then downloaded on their iPhones using an encrypted connection. Users can also log in with multiple hospitals and institutions if they access care at more than one place. They will also be notified when new data becomes available. Apple worked with institutions that were already offering electronic health records for patients through a variety of vendors, such as InterSystems, Allscripts and Epic, a program used by Women’s College and hospitals in Alberta. Lynch said this information is then transferred to the iPhone using the Fast Healthcare Interoperability Resources. Dr. Martin said Women’s College hospital had a thorough privacy and risk assessment process with Apple before signing on. She said if people are still skeptical, they can access the data through the hospital’s portal or request the records in person. Data that can be accessed through Health Records mostly include physical vitals, lab results and imaging results. Martin said electronic health records also have the potential to include information on mental health and some hospitals in Toronto already offer mental health consultation notes as part of their records. If a person with a chronic mental illness ends up in another emergency department, they can access their own notes and share them with the team there. Allison Paprica, a health policy expert at the University of Toronto, sees great potential for further collaboration between public institutions and private corporations like Apple, especially when it comes to accessibility of patient information. She maintained the need for transparency on privacy issues to make patients comfortable with using Apple’s Health Records feature. She said “It’s not about just providing them with the technical details. It’s really listening to the concerns of people and making sure you’ve got a short, digestible understandable response.”
W W W. M B E F O RYOU. C O M
MBE BUSINESS MAGAZINE JANUARY 2021
33
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horoscopes
JAN 2021 Capricorn Capricorn 2021 Horoscope – Love, Money, Health, Career
places.
the way you think and approach life
2021 is one of the few years of your
issues.
Capricorn is the tenth astrological
effectively from things that bring you
Venus retrograde in Capricorn in
sign in the Zodiac, starting on
the greatest pleasure. Therefore, this
2021 will force you to impose firm
December 22 and ending on January
is what you should focus your energy
boundaries between work and fun,
20.
on!
and if you find some time for social
life when you will make money
life, a romantic partner may appear in
Is 2021 a lucky year for Capricorn?
Working hard and satisfying your
The year 2021 seems to be lucky for
results in 2021.
If you choose your partner wisely this
the people born in the Capricorn sign.
Also, you may get a promotion, and
year, you have the chance to build a
They will work hard, and they will
you are likely to advance in your
long-term relationship that could even
develop their innate skills. They have
career. Pluto retrograde between
lead to marriage.
impressive ambitions that will get
April 27 and October 6 of 2021 will
fulfilled this year.
allow you to make a total transforma-
Which months and days are lucky for Capricorn in 2021?
your life.
ambitions, you will obtain spectacular
tion. Transform your image.
Personal Opportunities for Capricorn: Overall many of the planets sit in
You may change things not only in
complimentary angles to your sun
your style but also in your emotional
sign this year and you are likely to
March and April will bring surprising
presence. This period is favorable for
find this opens up communications
earnings from the less expected
a beneficial transformation, including
around you.
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MBE BUSINESS MAGAZINE JANUARY 2021
W W W. M B E F O RYOU. C O M
your position. Some may find relocat-
doing meet those who are also
Capricorn find love in 2021?
seeking to better themselves.
Your exaggerated interest in the
proves successful.
impression you leave to those around
Health: Will Capricorn get a job in 2021?
You can also travel more and in so
You can make some important commitment in January that sets up a goal to achieve for your year. July to September is the best time.
Finance: Joint financial affairs may have periods of concern, especially for those involved with the legal system until they are completed about September. For those seeking to borrow money you may find you are blocked or thwarted in your attempts and will need to keep pushing. 20 June to 4 July is an important period for joint decisions that relate to finances or investments you share.
Love: Will Capricorn get married in 2021? The doors to love will be wide open this year. In this regard, the planets help you find stability in your life. The love relationship will get fully transformed. You will find new ways to express yourself. This year is favorable for marriage, especially June and August. Will single
W W W. M B E F O RYOU. C O M
you will make you miss many doors of love, which will open for you in 2021. More attention to the love life will bring you harmony. Don’t always be so stubborn when it comes to choosing your lover. With Saturn in your relationship sector since June 2021 you are already getting some idea of any pressure coming in from other people. This cycle is not all doom and gloom though, as it can bring in a more suitable relationship from early in the year that grows from March. April and October can be the most testing in how well you relate to other people. August and early September can be a time for some harmony within this whole area.
Career: Opportunities certainly exist in this area for a new job to begin anytime from 6 January to early February. Many of you will work steadily from this earlier time. For those studying or
ing to a new area later in the year
Conflicts at work may occur, and they could be caused by a change in leadership, which is why you may change your workplace. One thing is certain – your issues will not appear due to your colleagues or technical problems. You may be more concerned about the health of someone close to you than your own this year. One area that may need checking is the type of food you and especially your close family eat. If problems occur they are likely to be related to a stomach ailment, with dairy and fat products the possible culprit. Quite often any health problem this year will have its origins back in time, and may not be new – this is a good year for finding some alternative method.
learning a new job, be aware that from late September your effort will be recognized and help you to improve
MBE BUSINESS MAGAZINE JANUARY 2021
37
CROSSWORD PUZZLE
FOOL ME ONCE... ACROSS 1 Well-known 6 Banned pollutants, briefly 10 Retired flier 13 Dean Martin’s “That’s _______” 14 Drubbing 15 Like fine wine 16 Strong desire to hear “Delilah”? (2 wds.) 18 Terminal data 19 401(k) cousins 20 Call from the flock 21 Wall St. figures 22 Diplomat’s talent 23 “Common Sense” pamphleteer to George III, perhaps? (2 wds.) 26 Noted diamond family 28 Desperado 29 Kia model 34 “The Grapes of Wrath” figure 35 Restraint on “Risky Business”; “Top Gun” star? (2 wds.) 39 “Crazy” bird 40 Declares emphatically (2 wds.) 41 Provides lighthearted diversion to 43 Not Astroturf 48 Making digital copies of the Heartbreakers front man’s songs without paying for them? (2 wds.) 53 “Como______ usted?” 54 Put on the payroll 55 Assortment 56 “There oughta be ______!” (2 wds.) 57 Late actress / diva Horne 58 Impishness... or an alterative title for this puzzle? 60 Make ready, briefly 61 Newsman Huntley or guitarist Atkins 62 Martin or McQueen 63 French pronoun 64 Name repeated in a nursery rhyme 65 Abnormally active Down 1 Tex-Mex treat 2 Ethically indifferent 3 Princess Grace’s milieu
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30 Attention seeking sound 31 Wonderland drink 32 Aloof 33 May and June: Abbr. 35 “_______ often?” (2 wds.) 36 Stand-up acts 37 Loosen, as sandals 38 Deck (out) 39 Race unit 42 Looker 44 Lots of land 45 A bad way to be at the switch 46 _______ the beast (conservative political strategy) 47 Twain title adventurer 49 Kerfuffle (2 wds.) 50 Fudd or Gantry 51 Said twice, it means the same as
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4 1974 Mocedades hit (2 wds.) 5 _______ Moines, Wash. 6 TV teaser 7 Brooklyn’s _______ Island 8 _______Park, Calif. 9 Bourbon and others: Abbr. 10 Phil Silvers’ Emmy-winning army hustler 11 Marine gastropod (2 wds.) 12 Dick Butkus and Ray Nitschke had 3 between them in their NFL linebacker careers 15 Faucet attachment 17 Place for the barista’s bonus 21 Kwik-E-Mart clerk 24 Bank offerings 25 Dolly, for one 27 “______ gather”
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going halfies 52 Furthermore 57 CD predecessors 58 Cable channel for old movies 59 ______ Kosh B’Gosh
See previous issue answers on page # 21
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MBE BUSINESS MAGAZINE JANUARY 2021
W W W. M B E F O RYOU. C O M
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HOW ENTREPRENEURS CAN SOLVE THE WORLD’S BIGGEST PROBLEMS? DMM DEPARTMENT MB Enterprises
Entrepreneurs in retrospect are
give higher levels of problem-solving
carrying huge responsibilities of
trained problem solvers since they
minds which is neither a gift, howev-
solving problems on their shoulders &
develops skill of solving problems for
er, it can be taken as a huge bonus
fulfilling them on a daily basis. It’s the
themselves. A mindset which usually
due to your exposure internationally.
vision they have for their company &
determines the setting in which you
Another thing that is helping entrepre-
their hundreds of employees that
can’t afford losses and naturally you
neurs to solve problems quickly and
never makes them feel too far away
are gifted enough to get yourself out
wisely is the deep involvement of
from their goals. Even in times that
of bigger problems. Entrepreneurs
technology which does play a big role
can be tough & where they need
are actually on a higher level of
and helps entrepreneurs to solve
something extra, entrepreneurs can
increased global collaboration as they
problems digitally with a much
easily come out of situations with
are dealing with thousands of people
globally in a widespread perspective.
ease. This is simply due to their
every day & are exposed more
entrepreneurial skills & craftsman
ENTREPRENEURSHIP DEMANDS EXCELLENCE:
ship. Just like a commander knows
It is a science of business that truly
battle. It’s the entrepreneurs who
How international collaborations can
demands excellence at the front-end.
know how to utilize & accommodate
help is generally something people
Entrepreneurs are CEO’s &
their resources & get out of situations
need to know. Global collaborations
Presidents of their own company
like winners. In the true essence it’s
globally with a huge eye on international affairs.
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MBE BUSINESS MAGAZINE JANUARY 2021
how to use his troops while fighting a
W W W. M B E F O RYOU. C O M
not really about winning or losing, it’s
‘never say die’ behaviorism & attitude.
is always a solution lying ahead. A
about the pride of your reputation that
Same thing should be ignited in the
problem solving mindset helps in the
cannot be hurt in any way.
behaviors of their employees &
profitability aspects which is the
subordinates. They should know well,
ultimate goal of an entrepreneur.
ENTREPRENEURS ARE MOVERS AND DECISION MAKERS:
that our setting is not that flexible that
Dealing with business operations
we can hear failure quiet often. As a
everyday demands higher levels of
They are actually the movers as well
visionary entrepreneur starts making
positivity and how that positivity can
as key decision makers as they know
bigger & better targets for yourself
be transformed into goals.
well how to run the show. Having a
apart from the targets being tough.
cunning approach while solving big
‘Tough’ might be the correct word, but
problems & making big decisions
it takes something out of the employ-
might not always be useful for
ees to come to the point of ‘Never
entrepreneurs. They must have
Say Die’.
strategy involved in their mindset as on big decisions rely big rewards
HAVING A PROBLEM SOLVING MINDSET:
& rewards are the ultimate gains in a
Solving world’s bigger problems
business. As a business revolves
strategically depends on a problem
around many things it is the strategy
solving mindset. At the end of the day
& decision making that comes out to
it’s the mindset that counts. For a
be on top of the list. You got to have
problem solving an entrepreneur’s
an attitude of a mover & you shall
responsibility should be to incorpo-
compete with bigger brands as well
rate this skill in the mind setting of
one day.
employees. The people on board
when making big decisions. Ironically
must deal with problems & come up
A NEVER SAY DIE ATTITUDE:
with positive solutions. Even if there
What precisely & ultimately counts
is no solution that can be seen, there
forward for an entrepreneur is their
must be hope always there that there
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41
HOW TO ENSURE YOUR
POS SYSTEM IS SECURE THIS HOLIDAY SEASON
DMM DEPARTMENT MB Enterprises
To make sure that your POS system is secure during the holiday season comes out as a huge responsibility for a
WHY RETAILERS ARE VULNERABLE? Retailers are vulnerable & can get exposed to activities such
retailer. If you are a retailer or a small business owner your
as fraud, cyber threats & other similar activities. As a matter
concerns during the holiday season might be revolving
of fact today’s POS systems i.e. Point of Sale systems are
around optimized floor plans, incorrect change or a possibility
simply modern computers. All they need is an internet
of an internal theft. With the involvement of the modern
connection for functioning as well as transferring transactions
technology there are a host of new challenges that are now
and payments information over the same network. However,
introduced in the industry. One of the main possibilities is that
while they seem to be standard procedures therefore for
valuable credit card information of a customer can fall into
business owners it’s like routine & they tend to pay the least
wrong hands and can be misused in future. The modern &
possible attention. This can easily give rise to major threats.
new solutions are vulnerable to the loss of internet connectivi-
An example of a threat can be cyber-attack. What if a
ty, cyber threats & various other concerns.
cybercriminal is monitoring that network?
What are the risks that retailers and small business owners face this holiday season?
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MBE BUSINESS MAGAZINE JANUARY 2021
Another unfortunate thing that can rise is that malware can W W W. M B E F O RYOU. C O M
go undetected for months and end and gather sensitive
changing their approach every minute so that they can
information passing through. A POS network failure that is a
breakdown standard router firewall efforts. With the more
huge possibility can arise and result in no card transaction.
advanced solutions offering intelligent network analytics that
This could also possibly mean no sales. The reason for this is
can easily and in a much better way protect your whole
as customers these days usually don’t carry cash with them.
network. Techniques and programs also known as ‘Zero-Day’
HOW CAN CYBERATTACKS BE PREVENTED?
hacks are used often to protect and making things incredibly difficult to recognize. Hence, more often a true Front-End
While making evaluations how to prevent the cyber risks
protection can make an analysis of patterns to stop a
which includes malicious malware during the season of
zero-day attack on a business. Instead of getting worried for
holidays. Hence, making sure POS systems are protected
your POS system’s security, its best to take the necessary
should be the top most priorities of retailers & business
steps for the mitigation of risks involved. This practice if
owners. What as a retailer can be done is follow best practic-
commonly made will also help your network run more
es that can be implemented on board to mitigate threats.
efficiently.
It is just like most of the modern day computers POS machines also have ports that are USB ports. Phones can act as a carrier of threats just like a Trojan horse, and even the person connecting the phone with the port for transaction to get through doesn’t have any idea of the amount of threat it can be. Devices that are plugged directly into the machines can bypass firewalls or other network protections. It’s also known as following your journey towards cyber hygiene i.e. safe practices linked to POS. You can spend time as well as resources protecting the front-end of your network. As part of the common practices cyber criminals keep
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43
HOW TOURISM MARKETERS CAN BOOST CONTENT VISIBILITY DIGITAL MEDIA MARKETING MB Enterprises
Tourism industry & marketing is
something that’s not important for
Therefore, a travel marketer must
deeply associated with each other in
them.
segment his locations according to the
more than one way. Boosting content
The tourism marketers should focus
variables of market segmentation. As
visibility is a necessity just like
on the words ‘content visibility’. What
an example what age, gender, & type
merchandising in a supermarket for
ways it can be boosted are the most
of people are interested in going to
e.g. Walmart. It not only creates a
important to know in terms of the
locations like Lakes & Valleys. This
marketing environment but also helps
content marketing strategies. The
can be found from statistics from
in creating values of creative market-
promotions that you are planning as
previous results and clustering them
ing. Why Content visibility is so vital?
tourism marketer’s first needs to be
while making analysis of people’s hot
Simply, so that more people know
identified.
spots or places according to their
about the importance levels associat-
most visits.
matters for people. Most of the time
MAKING THE START WITH THE RIGHT AUDIENCE:
Another example says, as 68% of
people need to see what they are
Keeping in mind the right audience for
travelers report feeling safest while
mostly interested in as they don’t
the right place or location is the most
they travel in their own vehicles while
prefer to spend extra time on
important thing for a travel marketer.
more than one in two travelers are
ed with a content & why that content
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MBE BUSINESS MAGAZINE JANUARY 2021
W W W. M B E F O RYOU. C O M
more likely than before to keep their
This is an aspect that helps in making
stories of their journeys can be an
trips domestic. Reading the minds of
a brand what it is in terms of its
influence for those who are planning
the travelers is more result oriented
market image. A brand is made
their future trips. For example a
for both travelers & tourism agencies.
through the effects of its influencers
website known as Trivago is focused
They can determine exactly what the
and how they are influenced with that
on economy packages of their existing
travelers are looking for as a decent
particular brand. For example Tourism
& upcoming travel partners that are
package for a holiday visit or a
marketers & travel agencies should
individual & corporate groups. They
business trip. This is also more
influence young couples and
intend to provide their customers with
exclusively identified with effective use
newly-wed people for their group
the best packages in the timeliest
of trends & analysis. Fashion & trends
discounts & group travel packages.
manner. Therefore, their influencers
of the tourism industry speaks
This can be marketed & highlighted in
are people looking for most economi-
volumes of how the market will be
form of pictures from previous trips,
cal packages in the shortest possible
behaving in future.
memories of previous tours, exclusive
time.
videos & comments & feedback from
FINDING THE RIGHT INFLUENCERS:
the tourists & customers.
Boosting the content visibility also needs finding the right influencers. W W W. M B E F O RYOU. C O M
Their testimonials on websites & their MBE BUSINESS MAGAZINE JANUARY 2021
45
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47
E-Scooters are a nice alternative to the Better Way during Pandemic times. STUART HIMMEL Staff Writer
The Birds, Limes and Rolls made
tally and numerically. The number of
students to commuters travelling the
their way to Ottawa in the middle of
rides taken on e-scooters in Ottawa
last mile from the transit station to
July. What, you may ask are Birds,
exceeded expectations while the
their office towers.
Limes and Rolls?
complaints were few and far between. City Councilor Tim Tierney, who
The concept is simple. Hop on any
They are names of three E-Scooter
chairs the municipal transportation
scooter where it is found, set it in
companies engaged in head to head
committee, claimed “there has been a
motion with a smartphone app, then
survival contest to determine which if
lot of thought put into this and it’s
leave it at your destination for the
any, will be invited back next year.
probably been one of the more
next rider’s use. The average price of
The city’s downtown was filled with
successful pilot scooter projects
a trip is $2-$5.00.
electronic scooters carting people
across the country if not throughout
from the shops of the ByWard Market
North America”.
to the restaurants of Elgin St to the
When scooters reach their boundaries or areas deemed off limits
grounds of Parliament Hill. It was the
Bird and Lime were each permitted to
(preset by city and company), they
start of a three and a half month test
deploy 260 of the rechargeable
automatically shut off. At the end of
of the viability and safety of the
scooters while Roll was allowed 80.
each day, they are picked up,
trendy devices.
Over the course of the project, more
recharged and set back in the most
than 200,000 rides were taken by
accessible locations.
Although the final assessment has
more than 50,000 individual riders.
yet to completed, the project appears
The vehicles are aimed at several
Stewart Lyons, the CEO of Bird
to have been a success both anecdo-
demographics from tourists to
Canada stated that “We want people
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MBE BUSINESS MAGAZINE JANUARY 2021
W W W. M B E F O RYOU. C O M
to look at us as a viable transportation option, something they can use for commuting not just as a toy”. “You’ve got to show the municipal politicians that you’re serious about being responsible and we’ve done that in Calgary, Edmonton and now Ottawa”. The scooters are also under consideration in Toronto where city council will soon debate their potential deployment. They are enticing to cities that want to reduce emissions and traffic on downtown streets or to ease parking congestion. In the era of COVID-19, they provide short trip riders with options that may feel safer than public transit (often referred to the better way), taxis or ride share. With all that is good about the e-scooter project, there are also some concerns. Irresponsible riders drive them on sidewalks where they can cause havoc for pedestrians. Those who are caught doing so in Ottawa pay a $180.00 fine. Sometimes scooters are left in places where they impede foot traffic and wheelchairs. Officially they may be parked only in what is known as the “furniture zone”, which is the area of sidewalk closest to the street or where benches and bike racks are located.
But out of
more than 200,000 rides in Ottawa between July and October, there were slightly more than 150 complaints about inappropriate parked scooters and the city responded to them immediately. Clients who park improperly can have their accounts terminated. Lyons responded with “If you’re trying to be a responsible member of a community, you go the extra effort. We want to have a long term relationship with the city. We don’t want to be a one and done organization”. There are also safety issues that must be addresses as well. The scooters don’t come with helmets so customers are expected to provide their own. A handful of injuries were reported in Ottawa and all were minor. In areas with higher pedestrian traffic, the scooter automatically has the speed ratchet down to 8 km/h from their maximum of 21 km/h. John Borstein, owner of five Ottawa restaurants was among a number of business owners to endorse the project in a letter to city council. He said “they are fun for tourists and really great for scooting around and seeing the sights. As a form of transportation, it’s useful for getting around downtown short distances. Kathleen Wilker, a transportation project officer with the city of Ottawa, says the project which ended on Oct. 31st is now in its final stages with a survey to be completed in November to assess whether it has been a success or failure. City councilor Tim Tierney said “Let’s face it, Ottawa doesn’t have a super cool factor like Toronto or Montreal, but this is one of those things that gives us a bit of cool”.
W W W. M B E F O RYOU. C O M
MBE BUSINESS MAGAZINE JANUARY 2021
49
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Company Information.
On Line Shopping To Hit Record High STUART HIMMEL
Staff Writer
As COVID-19 restrictions tightened,
grocers, pharmacies and big box
Canadians turned to the web for
retailers were allowed to open during
Christmas shopping. Online sales are
that 28 day stretch with capacity
set to hit a record this year in Canada
limited to 50%. Other municipalities
amid limits on in-person shopping
across Canada were also tightening
during the Covid-19 pandemic.
shopping restrictions during the Christmas season amid rising
The new data is in line with Statistics
Covid-19 counts.
Canada estimates from the spring when retail e-commerce sales more
Meanwhile several Canadian
than doubled from February to May
retailers, including Le Chateau,
while online shopping fell this
Mountain Equipment Co-Operative,
summer from its high of 4 billion in
GNC Holdings and Aldo, have all
May as more stores opened to in
filed for creditor protection this year.
person shopping.
Up until last year, online sales represented about 8% of revenue for
Statistics Canada says that 2020 is
Canadian businesses with five or
on pace to beat 2019’s total e-com-
more employees.
merce sales of $305 billion which has more than doubled since 2013 and
As of 2019, 39% of large businesses
include business to business sales
had online sales in Canada
as well as retail purchases. A
compared with 23% of small
separate survey from Google
businesses. Either way you slice it,
Canada in late October suggested
there has been a tremendous growth
that 70% of respondents were
in online shopping.
looking online, not in-store for holiday gifts
Statistics Canada also noted that in
.
the past, wholesalers and shippers,
This data came before Canada’s
rather than retailers, have been the
biggest city, Toronto and neighboring
top beneficiaries of the trend to
Peel Region entered a lockdown
online shopping. Wholesalers
during late November until Mid-De-
contributed $85 billion toward total
cember during the height of the key
online sales last year while transpor-
holiday shopping season, limiting
tation and warehousing represented
non-essential retailers to curbside
$60 billion, manufacturing was $38
pickup and online sales.
billion and retailers $22 billion.
Only essential businesses, such as
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How To Motivate Yourself For The Upcoming Year 2021
DMM DEPARTMENT MB Enterprises
Motivating yourself for the upcoming year can be problematic
regards to your milestones. New Year resolutions are plans
or difficult due to many issues of demotivation. Staying
and targets that are made to be achieved in the New Year
positive & optimistic in such a scenario deeply helps in
while strictly sticking to your plans. If it’s your health goals you
tackling the future challenges. The best thing is to synchro-
should be highly vigilant in terms of achieving your health
nize and align your plans before you make a certain agenda.
milestones & sticking to the strict routines. How to actually achieve your targets and are they Realistic enough? Always
How the New Year resolution helps? Although it’s a formal
try to make realistic targets towards the achievements of your
thing to make a New Year Plan or an agenda the best way is
goals. Only you can make this decision that whether your
to stick to the resolution in a highly determined and controlled
targets are realistic or not. Making realistic targets means you
way. A New Year resolution should reflect your yester year’s
can generate the intensity & powers to achieve your targets
New Year resolutions & the way you have positively focused
with the right efforts & the right time. The timeliness in efforts
on how to accomplish your targets.
holds significant values in achieving the milestones for future.
“WHY MOTIVATION IS SUCH A NECESSITY”?
HOW CAN ‘2021’ BE YOUR YEAR OF EXCELLENCE?
Why motivation is a necessity? It is a very obvious question
2021, the upcoming year can be your year of excellence if
that is asked by individuals who know the real meaning of
you can gather the energy to accomplish your most wanted
motivation. It’s a way of boosting your emotional strength &
targets. Getting to your goals is not the only concern in 2021,
making realizations regards to your future targets. These
but getting your goals in a synchronized way should be the
targets can relate to your career growth, the academic values,
priority. Just figure out what motivates you? Is it writing your
what you have achieved intellectually & your future concerns
daily happenings in a diary, walking every day, running,
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MBE BUSINESS MAGAZINE JANUARY 2021
W W W. M B E F O RYOU. C O M
reading, exercising or any other exercise that can act as your
real sense of achievement & ways in which you can get to
motivating agent? The upcoming year can be your year of
your targets.
excellence if you follow a strict routine & act smartly in terms of achieving your targets.
MAKING SHORT & REALISTIC GOALS:
Sincerity is not only a breakthrough in the accomplishment of your targets but it is indeed the way you can get closer to your mission statement. Making positive movements towards
Making short & realistic goals can actually help you in getting
your goals is like as if you know your hindrances & the
to your long term goals in an aligned way. 7-8 short term
problems & issues that needs tackling.
goals in a time frame of 2-3 months can be a huge advantage & a step forward towards your long term targets. However,
‘TACKLING HINDRANCES WITH A DEFINED STRATEGY’:
they all should be realistic goals as you don’t have to burden
Tackling future hindrances with a clearly defined strategy is
yourself with too many targets in your hand. Achieving
what needs to be practiced and accomplished. From the
‘Realism’ in practical life scenarios is the necessity of the
inside you know that you can get to your targets, but actually
modern work environment. You shouldn’t be making unreal
there are some hindrances that can affect your journey. The
targets as real targets can only help you achieve what you
best thing is to formulate a strategy and make practical
intend to achieve in the New Year. As an individual one should
realizations as to what are the things that are acting as
know well regards to their own capacities and capabilities.
hindrances. You can encounter the hindrances with a strategy
What you can achieve is plenty, but what actually your
or the alternative way is to find a different route for your goal
capacity is can be determined by a practical analysis of your
accomplishments. It’s indeed your New Year targets that hold
abilities.
priorities in every possible way.
‘BEING TRUE TO YOURSELF’: While you are on the pathway of your goals, you should always be true to yourself. Being true to yourself means you know how much struggle you have accomplished & what needs doing in future as part of your New Year agendas. This is part of being highly sincere with your goals & always being active with what you need to accomplish. In the real sense the accomplishment of your targets will definitely give you the
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53
Online Shopping Tips For A Safer Consumer Experience
DMM DEPARTMENT MB Enterprises
Online shopping these days is very common, however, it
page & ripped off. Also what they need to be cautious of are
needs a much better & safer consumer experience. It is
spelling errors or sites using a different domain. The seller
convenient, safe mostly & if you have a good shopping
might be enticing & appealing offers but that’s exactly how
experience you will always adore it the next time. Consumers
they create traps and make innocent shoppers as their
mostly look for quality aspects in a shopping experience &
victims.
apart from quality they also look for safety & security of data. Data protection should be the priority in online shopping due
2. SAY NO TO PUBLIC WIFI:
to things like hacking, identity theft & stealing personal details
Avoid using public wifi for online shopping as public wifi are
for wrong reasons. Therefore, the trust levels are always
not safe & key information can be leaked. In simple terms it is
lacking in online shopping, unless it’s a popular website or
unsafe & you wouldn’t want to share your most critical details
brand where you can easily put your trust on the website or
i.e. debit/credit card details & your home address.
seller. The trust factor is significant due to many reasons, one of them being data protection & safe handling of critical data.
3. MAINTENANCE OF A STRONG PASSWORD HYGIENE: Maintenance of a strong password is just like taking care of
In online shopping the product is not actually in front of you,
your hygiene and protecting yourself from germs. Hackers are
however, you can make your own assumptions & decisions
like germs and they are smart enough to hack your shopping
looking at the customer reviews & feedbacks. Why a feedback
account or your password. Maintenance of strength in
holds immense values is due to the evaluation of the product
password & regularly changing the password will definitely
performance & its value in the eyes of the consumers. The
act as a self-defense for protection against hackers.
behaviors, expectations & evaluation of consumers is highly appreciated & regarded for future results.
4. CHECKING STATEMENTS REGULARLY: Keeping yourself updated with your shopping statements &
The following are some tips for having a safe consumer
your bank statements is an ideal scenario if you are a
experience.
frequent online shopper. If you feel like there is a fraud on your account, or there is some payments on your statement
1. USING FAMILIAR WEBSITES:
that you have not purchased. Straightaway call your bank and
Using familiar websites or using a website for online shopping
claim a refund. Instruct your bank that they e-mail or regards
for the first time might not be the best idea. Consumers
to a charge or ask them to let you know somehow regards to
should shop from websites that they can trust in future. If they
any unwanted charge.
have a knowledge of the website or they know it well, there are very few chances that they shall be drifted to a malicious
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MBE BUSINESS MAGAZINE JANUARY 2021
W W W. M B E F O RYOU. C O M
5. REVIEWING THE RETAILER’S SECURITY POLICY:
Reading concisely makes sure that consumers read the
Keeping a good eye on the retailer’s policy will tell you more
policy very carefully before they hit the ‘Purchase’ OR ‘Add to
about the authenticity of the retailer. Consumers should be
Cart’ Button. Precautionary measures are better off.
aware of what happens to their data when they leave it on the website. They should satisfy themselves regards to the
8. USAGE OF CREDIT CARDS INSTEAD OF DEBIT CARDS:
security aspects of the website & how secure is their data.
A credit card functions differently than a debit card. It’s better
Will their data be used for market research purposes, If Yes,
to use credit card for a safer consumer experience so that
is it mentioned somewhere as part of the transparency
even if you face a fraud you will have ample time to get a
measurements? Consumers should preferably find out the
return of your payments. In case of fraud you will have ample
retailer’s privacy policy as this is important to know before
time to convince your bank that you have been a victim.
shopping from that website.
9. KEEPING RECEIPTS WITH YOU:
6. DOWNLOAD APPS FROM TRUSTED SOURCES:
Keeping the receipts with you i.e. e-mail receipts or a notifica-
It is highly recommended to consumers that they download
tion of purchase with a dedicated product reference number
apps from highly trusted sources. These sources are App
is preferable. In this case you can keep the receipts until the
Store from Apple, the Google Play Store, Amazon app store
product arrives safely at your place & you are satisfied. This
etc. All these applications are trusted apps that can be used
also helps for lodging a complaint or filling returns if you are
for downloading as recognized & trusted. However, for fresh
not satisfied. Guarantees consumer satisfaction levels to
apps, if consumers can make a decision through positive
higher extents.
reviews & feedbacks. Furthermore, a rating system can help them make a decision of using an App.
7. PROPERLY READING THE RETURN POLICIES: A proper & thorough reading of the return policy while you shop online is a mandatory principle. It is important in case if you are not satisfied with a product and you want a return.
W W W. M B E F O RYOU. C O M
MBE BUSINESS MAGAZINE JANUARY 2021
55
REDUCING YOUR RISK FOR HEART DISEASE- FUTURE REMEDIES DMM DEPARTMENT MB Enterprises
Heart diseases starts at home, and
your own health. An example is how
hiking, jogging or cycling, and you
are very common these days due to
dedicated you are for your daily
just need your trainers and your
unhealthy eating habits. It is also
running routine or a stomach exercise
watch. Best suited to those who are
dependent & can be controlled on
that you do every day for weight loss.
overweight and need to balance and
everyday habits that needs strict
slowly cut down their fat, as instruct-
1. WALKING EVERYDAY- A ROUTINE THAT COUNTS:
ed by their doctors. You can switch to
but it’s the No. 1 killer amongst Canadian men & women, and this is
Research has proved that walking
jogging or cycling slowly, but initiating
mainly because of eating habits.
every day, at least 60-70 minutes per
your exercise with a walk will definite-
According to stats, there is a heart
day helps a great deal in improving
ly give positive results.
attack every 40 seconds in USA,
your heart condition. It is regarded as
while in Canada where the population
one of the best CV or Cardiovascular
2. QUIT SMOKING:
is comparatively too low, the time is
exercise as being the first defense
If you are a regular smoker than you
at least 30-40 seconds higher.
against heart disease. It is highly
should slowly cut your smoking habits
Although like Americans, Canadians
convenient as you can do it outdoors
& eventually quit smoking. How it is
are also too much into junk food and
as well as indoors with a treadmill.
dangerous for your heart? Smoking
unhealthy eating habits. Preventing
Using the stopwatch or a calorie
regularly generates Tar, which blocks
heart diseases depends entirely on
calculator will help you monitor your
the heart arteries and makes a
the attitude of individuals towards
daily walk & how close you are from
smoker prone to heart diseases. In
their health. What’s important is how
your goals of weight loss. It is a less
youth it’s manageable, however, as
much concern you are yourself for
intense exercise as compared to
you grow older it can be hazardous
monitoring. It’s not like common cold,
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MBE BUSINESS MAGAZINE JANUARY 2021
the next level of Cardiovascular i.e.
W W W. M B E F O RYOU. C O M
for your health. According to researchers smoking after 45 will hurt you more in terms of health issues and heart diseases comes on top of the list.
3. KEEPING STRESS LEVELS LOW: Keeping the stress levels low will definitely improve your heart conditions and will prove to be good enough in terms of the long term effects. Scientists have observed a strong relationship between stress and heart health. The relationship of heart diseases is highly linked up with family issues & work or business related problems. Businessman and tycoons have the tendency to get stress due to business losses & unexpected market behaviors. The best thing is to stay calm & have an active routine at work. According to researchers, the identification of a unique form of heart disease known as stress cardiomyopathy and ‘broken heart syndrome’ is a heart condition linked to stress related problems. The only solution according to doctors is staying fit & happy and avoid stress related issues.
4. PRIORITIZE YOUR SLEEP: According to sleep researchers & scientists sleep deprivation has been identified as a huge risk factor for heart diseases. This can lead to insomnia & sleep related problems & higher risks for CV events also known as cardiovascular events. Insomnia, hypersomnia and sleep apnea have also been linked to the cause of heart diseases, therefore, it’s necessary to find a balance between having a good night sleep & sleeping hours. Also, the quality of sleep is also vital to control heart related issues. Sleep deprivation also causes people to make poor food choices and lacking motivation for exercises.
5. HAVING REGULAR CHECK-UPS: If you are having heart issues, make sure you have regular check-ups with your doctor. Getting a blood panel is the best way to control & monitor your heart issues. The blood panel is for checks for cholesterol, triglycerides, blood sugar & other important health makers. At-least regularly checking your blood pressure with an at-home monitor will keep you aware of your heart condition. This is the best way you can identify changing patterns over a defined span of time.
W W W. M B E F O RYOU. C O M
MBE BUSINESS MAGAZINE JANUARY 2021
57
INTERVIEW WITH Dr. Kashif Jamal
MBE: Can you please start of by telling our readers about your childhood and your upbringing?
professional growth and as a result, I soon left for the US for further training in dental implantology. Upon my return, I opened the 3rd branch of my clinic in Clifton Karachi. Current-
Dr. Kashif: I come from to an Urdu speaking family and was
ly I have another clinic in the very famous Lucky One
born and raised in Karachi. I am one of 3 brothers and 1
shopping mall in Karachi. By the grace of Allah, all of my
sister. Both of my parents were educated and this was one of
clinics are running successfully and many famous people and
the reasons why they put so much emphasis on achieving a
celebrities are my regular patients.
higher education. Growing up, I did not always behave and
At this point I must acknowledge that all of this would not
due to my mischievous behaviour, I used to be punished quite
have become possible without the great teamwork of my
often by my father.
clinical staff. I consider them as my family and take care of
I used to play cricket a lot and had a happy childhood laden
their needs. I have also trained many Dentists who are now
by many beautiful memories.
running their own dental clinics. I appear regularly as a guest speaker at Dentistry conferences in different parts of the world and strive to bring the latest dental treatment technolo-
MBE: Where did you complete your education and can you please shed some light on the importance of education in this day and age? Dr. Kashif: I completed my secondary school education from
gy to Pakistan.
MBE: How did you progress in your Medical career and what were the keys to your success?
the National School of Karachi and went to Adamjee Govern-
Dr. Kashif: I believe that sincerity with your profession is the
ment Science College which is one of the top undergrad
key to success. Staying focused and working hard enables
science colleges in Pakistan. I did my bachelor’s in science
you to achieve your goals. As a dental surgeon I am not only
from the University of Karachi and then decided to study
sincere with my profession but with my patients as well. I
Dentistry. After completing my dentistry degree from Fatima
always think of what is in the best interest of my patients and
Jinnah Dental College, I went to the USA and achieved my
due to my patient centred approach, my patients trust me and
master’s degree in dental Implantology from the prestigious
love me like a family member.
UCLA University. The importance of education can never be denied at any age. I believe, as a Muslim, acquiring education is an obligation for
MBE: Covid-19. The vaccine is around the corner. How do you see the general concerns of the general public?
everyone. Education makes us see things in a much clearer
Dr. Kashif: Well I can understand why people would have
perspective. It helps us to differentiate right from wrong. An
concerns such as potential side effects and are there any
educated person can make right decisions in his/her life. It not
risks in it, and most importantly about effects on elderly or
only impacts personal life, but it also affects the whole
children etc. and list goes on.
community. Educated people interact intelligently with all sectors of the society and make it a better place to live. In
a) Potential side effects of vaccine
this technological era, acquiring education is extremely
The Corona vaccine has recently been approved by the FDA
important for everyone.
and is still in its early phase of clinical trials so we can’t say much about its potential side effects. When a new drug or
MBE: How did you start your Medical career and who were your early inspirations? Also what were some of the early struggles you faced in your career?
vaccine is introduced in the market, it usually takes 10 to 15
Dr. Kashif: At the start of my career, I worked with many
b) The vaccine has recently been approved and very swiftly. What
mentors. I gained valuable experience from them all. As I
risks are there if the vaccine is taken?
have always been a quick learner, I opened my own Dental
The volunteers who have received the trial of the corona
Clinic in Karachi.
vaccine have reported mild side effects which include low
years for the researchers to establish its adverse effect profile.
grade fever, chills and pain at the injection site. These My parents have always been my greatest inspiration. With
symptoms subside in 24 to 48 hours. No serious side effects
their prayers and constant encouragement, I soon opened
has been reported yet.
another branch of my clinic. I always aspired for personal and
W W W. M B E F O RYOU. C O M
MBE BUSINESS MAGAZINE JANUARY 2021
59
c) Are children safe to get this vaccine? Currently, the vaccine will not be given to children because there is not enough data available for its use in the pediatric population. Initially, it will be given to front line health care workers, senior citizens and long-term care residents. d) Are Elderly or adults with medical problems like diabetes and blood pressure safe to take this vaccine? The vaccine has an efficiency rate of 95% and in the elderly, it has proven to be 94% effective. Considering the high-risk of morbidity due to the Corona virus in the elderly, I would recommend them to get vaccinated.
MBE: The vaccine may take up to 6 months or longer until everyone has access to the vaccine in Canada. Please advise us how we can prevent and protect and improve our Immune system? Dr. Kashif: To boost our immunity, I would recommend our readers to adopt a healthy lifestyle, exercise regularly, eat healthy and increase their intake of vitamin D, C and zinc supplements.
MBE: How do you like spending your time away from work? Do you have any hobbies or personal interests you would like to share with our readers? Dr. Kashif: I always enjoy spending quality time with my family and friends. I enjoy going out for dinner with them or going to movies as well. I love to travel and I regularly visit different countries to explore different cultures, languages, heritage and historical sites.
MBE: Can you please end by leaving a message for our readers and others in the community? Dr. Kashif: Since we are going through the second wave of the pandemic, my message for my readers, would be to stay safe and take all precautionary measures to prevent the reoccurance and spread of the virus. Please limit your travel to essential places only. Wear a mask when going out, maintain social distance and wash your hands regularly.
60
MBE BUSINESS MAGAZINE JANUARY 2021
W W W. M B E F O RYOU. C O M
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W W W. M B E F O RYOU. C O M
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MBE BUSINESS MAGAZINE JANUARY 2021
61
How digital ordering will evolve post-pandemic
The industry has come a long way technologically this year. Here’s a look at where things stand and how they WWW.RESTAURANTBUSINESSONLINE.COM might continue to develop.
Restaurateurs probably feel like they’re living in the future,
establishing or improving their digital presence. Here’s a look
and you can’t blame them. The industry made a big technolog-
at the digital landscape today and how it might continue to
ical leap in 2020, adding years’ worth of new capabilities in
develop post-pandemic.
just a few months as the pandemic changed dining as we know it.
Consumers really want digital options
A big part of that has been a shift to more digital business—a
Seventy percent of them say they prefer to order digitally for
trend that is expected to continue. By 2025, more than half of
delivery, and nearly 60% say they prefer to order digitally from
all limited-service sales will come through digital channels,
fast-food restaurants, according to research by professional
according to research firm Incisive.
services company Deloitte. By offering online ordering, particularly for delivery, restaurants can make themselves
That means now is the time for restaurants to think about
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MBE BUSINESS MAGAZINE JANUARY 2021
more attractive to a large chunk of consumers.
W W W. M B E F O RYOU. C O M
Some are even willing to pay extra for digital options: Consum-
curbside ordering, up from just 15% pre-COVID; 28% now
ers surveyed by Deloitte said they would pay an average of
offer Apple Pay, up from 13%.
14% more at restaurants that offer things like mobile apps or voice assistants.
Contactless ordering, in general, has been and will continue to be a huge area of adoption: 51% of restaurants now offer
It’s not just younger people who are going digital.
it, and 31% plan to add it, said Melissa Wilson, principal with Technomic, during a webinar this week at the FSTEC
Baby boomers in particular have flocked to curbside pickup
Community.
during the pandemic, according to research by digital advisory firm Mobiquity. That group reported a 300% increase
“We think this is an important point to keep in mind and
in its use of curbside at restaurants, compared to a 151%
consider is many of these areas of technology that operators
increase for non-boomers, Mobiquity said.
said that they're planning to add, they're actually looking to
And 88% of boomers said they will continue to use technolo-
add within the next six months,” she said.
gy for daily tasks. That’s just slightly lower than the 90% of younger people who said so, Mobiquity said.
Overall, 68% of chains said their tech spending will increase
Consumers of all ages are coming to expect these services,
either somewhat or significantly over the next two years,
meaning no restaurant is exempt from the digital wave.
Wilson said—meaning the industry’s digital evolution is just getting started.
Restaurants are adapting like crazy, and they’re not done yet. Restaurants have added a ton of new digital capabilities during the pandemic. Per Incisiv, more than 70% now offer
W W W. M B E F O RYOU. C O M
MBE BUSINESS MAGAZINE JANUARY 2021
63
Basic Income could add $80 billion an year to Canada’s economy, create up to 600,000 Jobs
DANIEL TENCER www.huffingtonpost.ca
A Canada-wide basic income could increase the size of the
“We all know that wealth is created by innovation, by taking
economy by tens of billions of dollars an year and create
risks,” Marinescu said in a call with media Wednesday. “That
hundreds of thousands of new jobs, a new research paper
cannot be forecast, but imagine the impact of people being
says.
able to take risks, of going back to school. I would expect this would have a profound impact on our economic recovery.”
In a recent issued report, the Canadian Centre for Economic Analysis (CANCEA) looked at two potential models of a basic
The two models of basic income the study looked at were a
income, and found that both of them would raise about 2.3
“guaranteed minimum income” of $2,000 a month or $2,900 a
million families above the federal poverty line.
month for a cohabiting couple, with up to $500 a month in disability benefits. For every dollar earned in the labor market,
Both models studied would result in larger economies and
50 cents would be clawed back from payments.
more jobs in the long run, though how much larger, and how many more jobs, depends on how generous the program is,
The other model was a “universal basic income” with two
and whether or not it’s funded by debt spending, the study
parts, a $500 monthly “dividend” paid to every adult with no
found.
clawbacks, plus a $1,500-a-month guaranteed minimum income, or $2,000 per two-adult nuclear family, that is clawed
Basic income advocates have long argued the policy would
back at 50 cents for every dollar earned at work.
result in a larger economy because, out of necessity, low-income earners spend all their money. So money funneled to
The first model was designed by Segal for Ontario’s basic
low-income households ends up as an immediate economic
income pilot project. The second model was designed by UBI
stimulus.
Works.
More cash for investment, more startups
The cost of disbursing the cash under the first program would
One of the key impacts is that businesses’ higher revenues
be $122 billion per year, but that would be offset by up to $80
will mean they are forecast to have as much as $32 billion
billion in new government revenue, thanks to a larger
more cash on hand, collectively, for reinvestment. This would
economy, the report projected. The cost of the second
mean more hiring.
program would be $235 billion annually, with up to $109 billion offset by higher government revenue.
And with Canadians having a cushion of financial security, more people will be willing to take risks and start new
These cost estimates are higher than the cost estimates from
businesses, something that will be especially important in the
the Parliamentary Budget Office, which estimated prior to the
wake of the devastation of the COVID-19 pandemic, said
pandemic, that a basic income would cost $43 billion annual-
Floyd Marinescu, executive director of UBI Works, which
ly. This is because the program modeled by the PBO is less
commissioned the CANCEA study.
generous than the ones modeled in the new report.
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MBE BUSINESS MAGAZINE JANUARY 2021
W W W. M B E F O RYOU. C O M
A more recent PBO analysis found that its version of the
largely remain opposed to a basic income, the idea has
basic income would cost less per month than the Canada
moved out of the fringes of political debate and into the
Emergency Response Benefit (CERB) the federal Liberals
mainstream.
introduced as income support in the pandemic. Paul Smetanin, president of CANCEA, disputes the disincenNeither the PBO numbers nor the new report include indirect
tive-to-work assertion, saying the research on basic income
savings from fewer poverty-related costs. Health-care costs in
experiments is “inconclusive” on that point. Marinescu points
Canada could fall by $19 billion annually, if a national basic
to studies that have concluded some people do leave the
income has the same health-care outcome as the 1970s
workforce when a basic income comes along, but primarily to
“minimum income” experiment in Dauphin, Man.
care for children or extend their education.
Will people still work?
Philip Cross, the former chief economic analyst at Statistics
However, many economists and business groups argue a
Canada, argues the country’s recent run-up in debt makes
basic income would act as a disincentive to work, pulling
this a bad time to contemplate an expensive new government
people out of the workforce and shrinking the economy.
benefit.
“Although compassionate in principle, universal basic income
“In view of the record deficit the federal government is
causes a number of negative externalities for the economy. In
running, this is not the time to introduce major new social
particular, it creates a disincentive to work and relatedly, the
programs. We can use this time to study the impact of income
higher taxes needed to fund this would also create a disincen-
support programs introduced in 2020 on labor force participa-
tive to work in higher income paying jobs,” said Carl Gomez,
tion,” he said, as quoted at Finder.com.
chief economist at CoStar Group. Gomez was among Canadian economists surveyed by personal finance site Finder.com on their thoughts about a basic income, which found 22 per cent of Canadian economists back the idea. The numbers suggest that, while experts
W W W. M B E F O RYOU. C O M
MBE BUSINESS MAGAZINE JANUARY 2021
65
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Loblaw Expands Launch of Mobile Health App STUART HIMMEL Staff Writer
Program leverages in-house expertise to help support users.
In September, Loblaw subsidiary
sometimes be challenging to
Shoppers Drug Mart Inc. spent $75
navigate. This new app is intended to
Loblaw companies Ltd. Is expanding
million on a minority stake in telemedi-
help with that.
the launch of its mobile health and
cine company Maple Corp., which
wellness app, a free digital tool the
helps connect people with doctors
The grocery and pharmacy retailer
company says will help Canadians
and medical specialists using a
first launched the PC Health app in
navigate the health care system as
smartphone or computer.
Atlantic Canada in October 2020. It’s now available to download in Ontario,
the company furthers expands its Pharmacy and health business. The
Shoppers Drug Mart President Jeff
British Columbia and Alberta. Loblaw
app comes amid an expansion of
Leger, said the PC Health App could
plans to expand the app nationally
digital health technologies and
become the hub of the company’s
over the coming months while also
increasing efforts by retailers to
health care offerings by seamlessly
adding features, such as virtual
extend customer experience and
connecting users with Pharmacies,
physician care and digital pharmacy
loyalty beyond the traditional brick
dieticians, nurses and physicians. “It’s
access.
and mortar store.
a digital front door for health care” he
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MBE BUSINESS MAGAZINE JANUARY 2021
said. We believe we have a strong
Leger said the PC Health app
public health care system but it can
leverages its in-house expertise in
W W W. M B E F O RYOU. C O M
health, nutrition and wellness to help connect users with information, support and access to different health professionals. “Our view is that pharmacies over the next couple of years are going to play a greater role in the delivery of primary care in the community”, noting that pharmacies are increasingly turned to for vaccinations, minor ailments and support with chronic illness. The app provides access to registered nurses and dieticians via live chat. It also offers custom digital health programs that reward users with the company’s PC Optimum points. The programs range from nutrition programs and physical exercise to mental health and anxiety management. The advice can include meal planning, where to find a local doctor or better understanding sleep habits. For example, customers can fill out a health profile on the app and receive personalized recommendations. They can also set their own personal health goals, such as increasing physical activity and sign up for a walking program. They would then gain points for completing their daily activity goals. Leger said “We know that changing behaviour is not easy, especially in health care. We think that adding some incentives with PC Optimum can help make small nudges towards healthier bevaviour”.
W W W. M B E F O RYOU. C O M
MBE BUSINESS MAGAZINE JANUARY 2021
69
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MBE BUSINESS MAGAZINE JANUARY 2021
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Tech Giants Gain As Virus Reshapes Ad Spending STUART HIMMEL Staff Writer
Digital ads to account for over half of year’s U.S. advertising for first time.
including newspapers, local television
March, many companies slashed
and magazines.
their ad spending as businesses
For the first time, more than half of
Online ads can be cheaper than
the virus’s spread. Homebound
U.S. advertising spending is set to go
those placed on other media
consumers started doing more of
to digital platforms such as Google
platforms and they allow marketers to
their shopping online, causing small
and Facebook which is a reflection of
better target and measure the
and large companies to place more
marketers’ strategy shift as the
performance of their ads. These
emphasis on digital ads.
coronavirus pandemic pummeled the
advantages have become even more
advertising is dominated by three
industry this year.
important during the pandemic as
competitors – Facebook, Amazon
This milestone is just the latest proof
businesses cut ad budgets and
and Google which together account
of digital advertising’s meteoric rise, a
consumers spend more of their time
for nearly two-thirds of ad dollars
development that has concentrated
and dollars on line.
spent on U.S. digital advertising this
around the world were shut to restrict
year. The biggest beneficiaries are
ad spending with several tech giants at the expense of other platforms,
W W W. M B E F O RYOU. C O M
Digital
When the pandemic hit the U.S. in
the Big Three. They have done a
MBE BUSINESS MAGAZINE JANUARY 2021
71
good job of showing ad performance and when they show performance, marketers shift their dollars. Small to medium size businesses have moved to digital advertising during the pandemic. Due to the favorable combination of targeting and low creative costs, small businesses have gravitated to digital marketing in force. The growth of digital ad spending comes despite headwinds faced by some tech giants this year. Facebook was the target of a high profile ad boycott in August that was called for by civil rights groups demanding the social media company do more to rein in hate speech on its website. Despite that, Facebook said its ad revenue jumped 22% from a year earlier in the third quarter. Digital ad revenue for Google rose nearly 10% to $37.1 billion while Amazon’s ad business grew sharply with sales up 51% to $5.4 billion all in the same quarter. Mondelez International Inc., the maker of Oreo and Ritz crackers, said it would spend more on digital advertising than on television commercials for the first time this year. Jonathan Halvorson, Mondelez’s vice president of consumer experience, said consumers typically bought snacks in stores, but the pandemic has led to more snack buying online as shoppers try out grocery delivery and other online services. The company started shifting ad spending towards digital ads which “allow a faster link to the actual sale,” he said in an interview. Mondelez expects to continue to send more on digital ads than on TV ads next year. As they compete with digital rivals, TV networks have been beefing up their ability to offer brands targeted ads, while retailers such as Walmart and Target are using consumer data they have amassed to ramp up their online ad offerings. National TV advertising is forecast to drop 7.9% to $39.5 billion this year but bounce back in 2021 with a 606% increase to $42.1 billion. National TV ad spending in 2021 is still expected to remain below 2019’s $42.9 billion as the industry faces structural challenges, including consumer traditional pay-television service in favour of internet based alternatives otherwise known as cord cutting. Due to the pandemic, the downward trend for print will accelerate causing ad spending in newspapers and magazines to drop 12% and 8% respectively. The largest ad buyer in the world, Group M, is responsible for purchasing an estimated $63 billion in ads each year. Its clients include Ford Motor Co., Unilever and Google.
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MBE BUSINESS MAGAZINE JANUARY 2021
W W W. M B E F O RYOU. C O M
Addressing Concerns related to Condo Market/High rise Investments SYED HASSAN Royal Le-Page, Royal Brokers
Year 2020, will be remembered in
The Condo rental vacancy rate is
restrictions
history. This year has left unprece-
getting higher by the day and it’s hard
5. Buyers tend to buy single homes
dented impact on everyone, every
to sell condos these days.
instead of condos to get more space
sector all over the world.
and have the option of working from The common factors bringing the Condo
home.
Fortunately the Canadian Real Estate
market down are:
6. Covid: Sense of more safety in
Market and especially the Ontario
1. Restrictions and closures in city
single homes as compared to
Real Estate market are among the
hubs
Condos. Problem areas could be:
few lucky sectors. The real estate
2. Working from home, not from
social distancing, elevators, common
market remained strong and steady,
offices, especially in the downtown
areas, closed areas etc.
during this time of the pandemic
core where everything is almost
7. Return on investment is uncertain.
thanks to the strong financial support
empty
by our federal and provincial govern-
3. Students in Universities studying
Response and Reasons
ment.
virtually from home, not returning to
The key term is wait and patience.
campuses and not occupying condos
The Condo market will improve soon.
Still the Condo market has shown
as their place of residence
Good news is that the Vaccine is
weakness and problems in rental and
4. All short term rentals are almost
around the corner. Once the vaccine
sale.
gone, due to lack of travel and
rolls out, city life will start coming
W W W. M B E F O RYOU. C O M
MBE BUSINESS MAGAZINE JANUARY 2021
73
back to life. Travel will not only be back but will be booming in coming years as people will come out of isolation and will travel. Short term rentals will be on the rise again. Malls, tourism, jobs, education amongst other things will bring demand for Condos back very quickly. Immigration will be opened and will return to normal which will increase demand for condos and city living. Do not sell your condo for at least the next 2 years and do not disturb your relationship with your tenant, when it comes to talk of increasing the rent or vacating your current tenant. All metropolitan cities have their special place in real estate all over the world. This Pandemic has had an effect on all businesses. Trends are showing that the return to normalcy will be fast and aggressive. Author: Syed Hassan, Broker, Royal Lepage Exceptional Professional and Educational Background B.Sc. Electrical Engineer, Real Estate Broker, Financial Advisor, IQCS Certified Lead Auditor & Consultant for ISO Management and Environmental Standards, Certified Total Quality Manager. Professional Experience and Affiliations MB Group of companies, Royal Le-Page Exceptional, Royal Brokers, American Express Bank of Canada, Budget Rent a Car, Moody’s, SGS, PIQC.
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MBE BUSINESS MAGAZINE JANUARY 2021
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104-100 Dynamic Drive, Toronto, ON M1V 5C4 200 Consumers Road, Suite 100, Toronto, ON M2J 4R4 (416) 939-9378 (416) 497-5949 www.mansoornaqviteam.com
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