NEW YEAR RESOLUTION 2021- MBE BUSINESS MAGAZINE

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.

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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.

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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

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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

22

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

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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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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.

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

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-

32

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.

36

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

1

2

3

4

5

5

13

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7

8

9

10

14

16

17

19

20

22

23

29 35

36

11

12

15 18 21 24

27

26

10

25

28 30

31

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34 38

37

39

40

41

42

48

49

50

45

44

51

52

43

58

59

60

61

62

63

64

65

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

46

47

56

57

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”

45

53

55

54

44

going halfies 52 Furthermore 57 CD predecessors 58 Cable channel for old movies 59 ______ Kosh B’Gosh

See previous issue answers on page # 21

38

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.

40

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

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

MBE BUSINESS MAGAZINE JANUARY 2021

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?

42

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

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

MBE BUSINESS MAGAZINE JANUARY 2021

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

44

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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MBE BUSINESS MAGAZINE JANUARY 2021

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

48

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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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

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

MBE BUSINESS MAGAZINE JANUARY 2021

51

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

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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.

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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.

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MBE BUSINESS MAGAZINE JANUARY 2021

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

WE ARE HIRING!

RESORT MANAGER

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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MBE BUSINESS MAGAZINE JANUARY 2021

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CONTACT US +1-888-970-0399 +1-647-994-5981

MBE BUSINESS MAGAZINE JANUARY 2021

67

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

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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”.

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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

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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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SYED BAQAR KAZEMI

SALES REPRESENTATIVE