ISSUE 55 | APRIL / MAY 2020
Happy
DAY
18 MAY 2020 th
OFFICIAL LAUNCHING OF Autobiography
Syed Mansoor Ali Naqvi APRIL 2020
THIS MONTH FOCUSING ON 8 Jobs Companies Shall Be Looking Forward In 2020
Canada’s Obesity: A Chronic Disease Instead of a Lifestyle Issue
Victoria Day – Canada & the life of Queen Victoria
Forests Sustenance & Collective Action with - WEF
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27
CROSSWORD PUZZLE
28
Horoscope
06
Success is Life Calculator
30
Australia
08
AutoBioGraphy Publishing
34
The Canadian Housing Market Trends
09
Teamwork & Success Syed Mahmood Naqvi
36
The Green Party Wave could spread..
10
Motivation Secrets to Inspire your Employees
44
Restaurant POS
13
Apple TV+
48
Success Ideology:
14
Profile : MICHAEL MCCAIN
16
E-Scooter
CONTENTS Syed Mansoor Ali Naqvi.
Syed Mansoor Ali Naqvi.
Syed Alamdar Hussain Stuart Himmel
Aquarius and Pisces
A History of Fire & how it can help in Future
2020 Forecasts
An Overview of Party Agendas
Its Applications & its Benefits to Clients
5 Habits most People always Practice
Maple Leaf Foods Ceo
52
Stuart Himmel
22
LIFE INSURANCE:
6 Reasons of Policy Denial by Companies
5 Accounting Challenges Startups Face and how to Fixed
56
Top 9 ‘SEM’ Tips For Small Business Owners
EDITOR'S LETTER Dear readers, Welcome to our April and May 2020 Issue. We have covered articles on business, finance, entrepreneurship, climate change, up and coming developments in the Canadian economy as well as articles on our regular topics such as politics, law, real estate and technology. As always, we hope this issue will be an informative and entertaining experience for our readers and that it will live up to your expectations. Our team continues to work tirelessly to improve and refine our business magazine. Your feedback is highly valuable to us. If you have suggestions or comments feel free to call us at 1-866-667-1377 or email us at info@mbeforyou.com to tell us what you think about this issue. For ad placements and marketing related queries, please email us at mbe-marketing@mbeforyou.com
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
Thank you, Aurora Zabala, Editor In Chief.
Website: www.mbeforyou.com Feed-back: 1-866-667-1377 E-mail: info@mbeforyou.com Mail: 100 Dynamic Drive, Unit 104, Scarborough, ON, M1V 5C4. Fax: 1-866-204-6888 MBE Business Magazine is a monthly issue business magazine published by MBE. Inc. Ontario, Canada. Printed by Vision Printers Contents Š Copyrights 2017 by MBE, may not be reprinted without written permission. Subscribe / Unsubscribe or Advertise by emailing us at mbe-marketing@mbeforyou.com
Success is life’s Calculator Syed mANSOOR Naqvi
PRESIDENT MBE Why is success like a calculator?
9. Honesty
Have you ever thought about it? In a
wrong step in your journey, you will not be able to reach your desired
calculator you input numbers and
IDEOLOGY:
effort and it gives you a correct and
Whenever you start working on a task
accurate result. The path to success
or project you have to focus on your
FOCUS:
is similar to this because if you put
idea and a thought about where you
When you are focusing on something
the correct inputs you will get the
stand and why you want to go in a
regarding your life you have to draw a
desired result. To explain this further,
certain path towards execution of the
map and follow the direction. Focus-
lets discuss the nine inputs I feel are
idea. The only way to successfully
ing towards success is similar to
necessary to achieve the results you
complete your task or project is with
when one feels hungry. They do
want in your life.
the help of a set ideology.
whatever they can until they get food
1. Ideology
JOURNEY:
eaten. In the same way you must
2. Journey
Do not forget about the calculator, a
remain focused until your work is
3. Focus
journey is exactly like that. Every
done only then, can you relax.
4. Cross Check
single step that you are traveling
5. Value
toward your dream you have to put
CROSS CHECK:
6. Determination
your thoughts together. No matter
Success doesn’t have to be limited to
7. Classification
how capable the calculator is, if you
set long term goals or short term
8. Achievements
press the wrong button or take the
goals. On the path to success one
destination.
and cannot relax until they have
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MBE BUSINESS MAGAZINE APRIL / MAY 2020
W W W. M B E F O RYOU. C O M
can also test themselves at any time of the journey with multiple directions. These different directions can help one determine which is the best path to success. VALUE: Value is an important part of your journey because one should value every step of their journey towards success and not leave anything out. If you feel at any moment that you are losing the value with which you were suppose to get to by the end of the journey, then you should make corrections and go towards the right path. Value is something that no one can hand to you on a plate and is something that must be created and earned. DETERMINATION: Determination is perhaps the most important aspect towards gaining success. Let me give you an example; If you want to become a business man and you have no funds, it does not mean you should give up. Your determination should help you find a solution for this roadblock. CLASSIFICATION: When you are looking at success you have to classify what type of success you want to achieve. Whether it is success in your family life, business success or education success, the only way you will feel that you are successful is when you archive your life in all of these sectors and know what you want to succeed in. ACHIEVEMENTS: Achievement is a gift of success but one must figure out what they are trying to achieve. If you know what you are setting out to achieve this will make it easier to achieve HONESTY: If one does not remain honest with themselves and the ones they work with they are bound to come across roadblocks on their journey towards success. By being honest and righteous, your journey will surely be smoother. Honesty is also important once one has achieved success in order to maintain in the long run.
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MBE BUSINESS MAGAZINE APRIL / MAY 2020
07
SYED MANSOOR ALI NAQVI AUTOBIOGRAPHY PRESIDENT MBE GROUP
Teamwork & Success
SYED MAHMOOD NAQVI Vice President | MB Enterprises
Working as part of a team is an essential part of character
IMPROVING OTHERS = IMPROVING YOURSELF
building. It is not an easy task, building a team and managing
If you are working as a team the people around you in the
a team. When building a team one must first set themselves
team will try and emulate you. If you work hard and set the
as an example to follow.
bar high, then others will follow this example. Most people also have a competitive spirit and this is fueled more when
When it comes to working as a team there must be no
they see others around them succeeding. So if you set a
excuses and one must be willing to step above and do the job
good example for the team they will follow you. This will work
whenever they are required. The development of a team
both ways as it will also inspire you to do better in order to be
comes with time and effort and a developed team can take
a good example for others.
upon any task that they are presented with. ATTITUDE MATTERS GROUP EFFORT IS MORE EFFECTIVE THAN INDIVIDUAL EFFORT
You should be the kind of person who wants to be a team
Small business ventures can be run independently, however if
player. People respect the ability to work well with others
you are ever trying to expand your business and move on to
more than anything. Your individual actions have an impact,
the next level having a strong core team is very important.
but if you’re reluctant to do something to help your team, it’ll
The most impressive feats are accomplished by groups of
have a negative impact on whatever task you are trying to
people, not individuals.
complete
LEADERSHIP
DON’T EVER THINK THERE IS NO TEAM
The purpose of a leader is to work with the people to find
The amount of work you put in with your team will directly
solutions that work best collectively. Leaders bring people
result in more success. And always remember: the success of
together. The best leaders don’t act with a sense of superiori-
your team is your success.
ty or try to patronize the people working for them; they act like a father.
W W W. M B E F O RYOU. C O M
MBE BUSINESS MAGAZINE APRIL / MAY 2020
09
MOTIVATION SECRETS TO INSPIRE YOUR EMPLOYEES Keeping your employees motivated is challenging for any business owner or manager.
SYED ALAMDAR HUSSAIN Country Head - MB Enterprises
Instilling motivation isn't easy, but it's necessary if you want
1. INDIVIDUAL ATTENTION MATTERS.
your employees to grow and stay satisfied with their jobs. It's
While teamwork is an important element of company
the driving factor that leads people to work harder, meaning
success, and grouping your employees together has advan-
more productivity for your organization, and the most impor-
tages in building that "team" mentality, nothing beats individu-
tant contributing factor to overall satisfaction, which leads to
al attention when it comes to individual motivation.
higher employee retention.
2. ADVANCEMENT OPPORTUNITIES ARE ENTICING. Everyone is unique, with unique values and ideas, and if you
People tend to feel stifled when their job becomes repetitive
want to be successful in instilling company-wide motivation,
or stagnant. Going too long in the same position, with no
you have to find multiple strategies to reach each individual.
changes or hope for change, will eventually demotivate even
WHY MOTIVATION IS IMPORTANT
the most ambitious employees.
and using those results to motivate them, you can improve
3. ENVIRONMENTAL MOTIVATORS CAN MAKE OR BREAK YOU.
business performance. In addition to being more highly
How you shape your work environment has a major effect on
engaged, motivated employees handle uncertainty more
your team's mentality. There's no right or wrong way to go
easily; are better problem-solvers; have higher levels of
about this, since every company is going to have a different
innovation, creativity, and customer-centricity; are more
culture, but it is important to include both opportunities to "get
profitable; create higher levels of customer satisfaction; and
away" from the traditional work environment and pieces of
increase employee retention rates.
color or flair that make the office interesting.
HIGH LEVELS OF EMPLOYEE MOTIVATION ARE INTRINSICALLY LINKED TO HIGH LEVELS OF EMPLOYEE ENGAGEMENT.
4. SOCIALIZATION MAKES PEOPLE MORE COMMITTED.
By understanding the reasoning behind employees’ actions,
Trying to make everyone in the office best friends is a bad idea for a number of reasons, but that doesn't mean they shouldn't have meaningful conversations outside of a typical
Here are nine motivation secrets that can help you keep your
work environment. Being friendly with your work force builds
work force happy and driven to succeed.
bonds and a collective sense of teamwork, and makes work seem less machine-like and more like an organic team effort.
5. TRANSPARENCY IS THE KEY TO COMMUNICATION. Creating an environment of transparency, where you speak openly about your business to your employees and they feel comfortable coming to you with anything that's on their minds can do wonders for the collective motivation of your workplace. That's because transparency builds trust; when people understand that you aren't hiding anything, and that you'll listen to anybody, they're far more likely to respect you as an authority and appreciate you as a leader. It also opens inter-departmental channels, giving employees and supervisor’s greater clarity and more opportunities to openly communicate.
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MBE BUSINESS MAGAZINE APRIL / MAY 2020
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6. INCREASE YOUR APPEAL
8. HEALTHIER EMPLOYEES
The acquisition of skilled and dedicated workers will help
Assuming you offer some type of health/dental plan and sick
create a strong foundation for your business. To bring these
leave, your workforce should be in relatively good health. If
individuals on board, it helps to have some tangible benefits
your employees have solid health insurance plans in place,
that differentiate your business from the masses. Rather than
there is a better likelihood that they will have regular check-
offering the bare minimum, give your employees benefits like
ups and take preventative medical steps, which should help
paid vacations and holidays, health plans, and retirement
in ensuring they don’t take many sick days. . By offering sick
plans to make your business more attractive. A survey
leave, workers who are sick and may be contagious won’t
showed that attracting and retaining talent was the biggest
infect others. The end result should be a healthier workforce.
reason that companies offered employee benefits. Offering solid benefits also demonstrates that you believe in your
9. BETTER JOB PERFORMANCE
company enough to invest in your employees, and proves
By offering benefits, you give employees more of a reason to
that you’re stable, which can help you acquire A-list talent.
care about your company and remain loyal. As a result, they should be willing to work harder, which can lead to greater
7. MINIMIZE YOUR TURNOVER RATE
productivity and higher quality. According to Insurance
It’s difficult for a business to make serious progress when
Quotes, 57 percent of private employers offer more than the
employees are constantly coming and going. When this
legally required benefits. For this reason, providing benefits
happens, it’s hard to establish a veteran team of experts, and
can put you above 43 percent of competitors who don’t offer
the overall talent level will lack. Fortunately, offering benefits
extra benefits.
packages is often enough to make employees stick around for the long run. By investing in your employees, it shows that
While offering employee benefits may cost a bit more initially,
you have their best interests in mind and value their job
the long-term advantages can greatly outweigh those costs
performance. This can help you build a tight-knit team of
and contribute to your overall success. Your business will be
professionals that will stay for years.
poised to acquire true professionals who are in it for the long haul. This will help create a stable workforce and position your business as an industry leader.
W W W. M B E F O RYOU. C O M
MBE BUSINESS MAGAZINE APRIL / MAY 2020
11
CITIZENSHIP & IMMIGRATION PROGRAMS
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Apple’s Launch of
Apple TV+ not Going as well as Most Predicted STUART HIMMEL Staff Writer
Apple’s Inc’s streaming video service has gained very limited
backlog of catalogue content. Another potential reason why
traction with consumers which could represent a cautious
Apple TV Plus has not caught on with subscribers could be
approach as the company moves away from hardware sales.
because Apple hasn’t been able to effectively promote TV Plus to its 1.5 billion device installed base. The company may
Analyst estimated that fewer than 10 million consumers have
also be deliberately scaling its promotions of TV Plus slowly
opted for the free 12 month trial of Apple TV Plus which
to mitigate the negative accounting impact. Investors should
equates to 10% or fewer of eligible consumers.
watch closely the adoption of TV Plus as the take rate will provide a better indication of potential acceptance of the
Apple TV Plus may be failing to register with consumers due
service as well as Apple’s ability to successfully launch new
to its limited content offerings. Other streaming services
revenue generating services.
such as Netflix or Amazon Prime offer reruns to well-known content while Apple only offers original shows with “The
Shares of Apple are up nearly 80% from a June low although
Morning Show” starring Jennifer Aniston, being the most high
it the stock price has recently dropped on concerns over the
profile. Walt Disney’s Disney Plus service has benefited from
Coronavirus outbreak. Apple services business grew less
the company’s pool of properties namely Star Wars and
than expected in first quarter results which was seen as
Marvel to name a few.
disappointing. Credit Suisse analyst suggested the business is key to long term success and is often cited as a driver of
A panel hosted by Universal Serial Bus (USB) said that Apple
multiple expansion.
TV Plus needs a mega hit original series to retain subscribers and may likely have to also acquire an asset with a big W W W. M B E F O RYOU. C O M
MBE BUSINESS MAGAZINE APRIL / MAY 2020
13
PROFILE MICHAEL MCCAIN MAPLE LEAF FOODS CEO
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MBE BUSINESS MAGAZINE APRIL / MAY 2020
W W W. M B E F O RYOU. C O M
Michael Harrison McCain (born 13 November 1958) is a Canadian business executive, currently serving as the President and Chief Executive Officer of Maple Leaf Foods since January 1, 1999. Born in Florenceville-Bristol, New Brunswick, McCain is the son of Wallace McCain, the co-founder of McCain Foods and Margaret McCain, a Canadian philanthropist. McCain is listed on Canadian Business Magazine’s 100 richest Canadians with a net worth of CA $4.15 billion as of August 2019. McCain studied at the Mount Allison University and then Ivey School of Business at the University of Western Ontario. He graduated in 1979 with a Bachelor of Arts in business administration. In 2014, McCain received an honorary doctorate from Carleton University in recognition of his leadership in economic development. In 1979, he joined McCain Foods sales department and worked up into management. By 1986, he became the President of McCain Citrus Incorporated and in 1990, was appointed as the President and Chief Executive Officer of McCain Foods USA Incorporated. In the 1990s, a prolonged legal dispute between McCain co-founders and brothers Wallace and Harrison McCain over succession to the company leadership ended with the departure of Wallace and Michael from McCain Foods.
As CEO of Maple Leaf Foods, McCain was lauded for his handling of the outbreak. The Globe and Mail hailed McCain as "a role model for crisis management" for his contributions toward containing the incident. Writing in The Conversation, Deborah de Lange praised McCain's transparency, ethics, and leadership skills during the outbreak, referring to his "track record of leadership", and Hill+Knowlton Strategies's Jane Shapiro referred to it as "a textbook example of how to handle a crisis." McCain was named the Business Newsmaker of 2008 by the Canadian press. Writing a 2013 case study in the Financial Times, business theorist Morgen Witzel noted that in addition to accepting responsibility, McCain's recovery strategy included a hiring freeze but open hiring in the food safety department, which was to hire at any cost. In January 2020, McCain attracted attention by lambasting Trump, calling him "a narcissist in Washington" and holding him responsible for the events that led to the Ukraine International Airlines Flight 752 being shot down by Iran, in which a colleague at the company lost his wife and 11-year-old son. Following his comments, McCain, well-known for his philanthropic endeavors, has been complimented by some for his humanity, and criticized by others, for neglecting shareholder interests, as reactionary calls for a boycott of the company after his comments made their way into mainstream news impacted stock prices.
McCain joined Maple Leaf Foods as President and Chief Operating Officer in April 1995, and is currently President and Chief Executive Officer of the firm. McCain is also the director of Maple Leaf Foods, McCain Capital Corporation and McCain Foods Group Inc. McCain is also a board member for several Canadian firms including Royal Bank of Canada, the American Meat Institute, and also serves on the board of trustees of the Hospital for Sick Children. He was also director of the American Frozen Food Institute and Bombardier, the Canadian multinational manufacturer of commercial jets. Maple Leaf Foods employs roughly 12,000 people across Canada, the U.S. and Asia with 75% of their business in Canada. Maple Leaf is also the first large-scale manufacturing food company in the world to make an effort to become carbon neutral. The 2008 Canadian listeria outbreak in Canada was linked to cold cuts from a Maple Leaf Foods plant in Toronto, Ontario. There were 57 total confirmed cases, resulting in 22 deaths.
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MBE BUSINESS MAGAZINE APRIL / MAY 2020
15
E- Scooter Pilot Project STUART HIMMEL
Staff Writer
Can you picture e-scooters waiting
The two leaders of the biggest
on sidewalks for commuters to hop
e-scooter companies in Canada, Bird
on and then drop off whenever and
and Lime, said they could work with
wherever they want? If your answer
specified parking spots downtown but
is no, you are not alone. This pilot
would require a lot of them. Lime’s
project does not appear to be part of
Chris Schafer, suggested a two zone
Toronto’s future unless changes are
system as ideal for Toronto with
made.
riders in suburbs able to leave scooters at the sidewalk edge and
In the month of March, city experts
wherever convenient and in designat-
will reveal recommendations for
ed parking spots downtown or on the
e-scooter use during a 5 year
street or sidewalks if width permits.
provincially sanctioned project that
This allows for an organized program
will let municipalities create most of
that balances the convenience riders
the rules.
appreciate in other cities around the world. Bird Canada’s Stewart Lyons
Janet Lo, senior project manager,
is also advocating much the same as
gave a preview to Toronto Accessibili-
Lime’s Chris Schafer. Bird Canada,
ty Advisory Committee which
is currently working with a defined
entailed the “preferred” model would
parking system in Montreal with no
see riders pick up and drop off
issues but stated they would require
e-scooters only in designated spots.
lots of spots, maybe every 80-100
Two spots being considered include
meters. He also stated that restrict-
Bike Share Toronto Stations or on
ing the spots to Bike Share stations
street vehicle parking spots convert-
would be insufficient.
ed to scooter use by Toronto Parking
Councilor Kristyn Wong-Tam, chair of the
Authority (TPA). Lo is suggesting
At the meeting, Janet Lo heard from
accessibility advisory committee, was
that the high number of bike share
disability advocates who don’t want
surprised at the injury statistics collected from
stations (plans call for 625) make it
the e-scooters in Toronto at all.
July to mid-October during Calgary’s pilot
easy for people to walk and gain
“Scooters pose an immediate and
project. Hundreds of scooter related hospital
access to the e-scooter which would
serious danger to people with
visits included 33 that required ambulance
address the sidewalk clutter and
disabilities” stated David Lepofsky,
trips including at least one pedestrian.
obstruction issues. Lo will recom-
chair of Accessibility for Ontarians
Wong-Tam’s motion was passed unanimously
mend to councilors that TPA will
with disabilities. Lepofsky, who is
by committee members, urging council to
become the city’s umbrella agency
blind, said vehicles travelling at 24
reject calls to legalize e-scooter usage. She
for all e-scooter options noting its
km/h are dangerous to people like
stated that if e-scooters are legalized, rules
plan is to add 300 scooters as part of
him when they are moving and a
must be guided by public safety in consulta-
the pilot project.
tripping and obstruction hazard when
tion with people living with disabilities.
they are parked.
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MBE BUSINESS MAGAZINE APRIL / MAY 2020
W W W. M B E F O RYOU. C O M
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Starting a retail-based business idea? Well think again BUSINESS IDEA INSIGHT There can be a right time and a
some common factors and patterns
THE INTERNET COMPLIMENTS THE BUSINESS
wrong time for launching a business.
you will find in these thriving
MODELS
Retail based business ideas can be
industries.
Another common theme is that
great, but there are many downsides
internet has allowed these business-
these days with how the internet and
COMMONALITIES AMONG THE THRIVING
es and business models to thrive by
other factors are changing the retail
BUSINESSES
driving people to their store fronts.
shopping landscape.
THE NEED FOR GREAT EXPERIENCES
Whereas the dying industries like the
A common theme among those five
furniture stores, shoe stores and
TIMING IS EVERYTHING
thriving industries is that they provide
hardware store are being over-taken
It’s important you pay attention to the
an experience for their customers
because the online experience is
timing of markets. You can have a
when they leave the home. These
much better and preferred.
great idea, but if the timing is off,
places make it pleasant for people to
you’ll fail. And 2020 has continued to
spend their time, which now is
THE DESIRE TO BETTER YOURSELF
show that trends in the retail space
proving to be more important than the
The last key theme among these
will continue their path.
amount of money a customer will
thriving retail businesses is that they
spend. If you can get them to spend
provide value in the person feeling
If we look at some of the industries in
their time with your business, that is a
better about themselves. A restaurant
retail businesses that are thriving,
success too as that will build over
will provide a great meal and that
such as restaurants, nails salon, pet
time to more money being spent
person will be full and happy. The nail
care and gyms. We will see some
because of brand loyalty.
salon may give someone new
commonalities. Let’s walk through
18
MBE BUSINESS MAGAZINE APRIL / MAY 2020
confidence because of their fantastic W W W. M B E F O RYOU. C O M
new nails. And a gym allows someone to get into shape and better their health. MOST RETAIL EXPERIENCES SUCK Just think about it. Think of a time when you went to go buy shoes in the mall. First, you need to spend time getting to the mall and finding parking if you drone. Then, when you first walk in, you’ll have to walk half a kilometer to find the shoe store you are looking for. And finally, when you reach the store to buy shoes, you’re bombarded with sales tactics to get you to buy everything in the store. IT’S NOT AS A PLEASANT EXPERIENCE AS ORDERING SOMETHING ONLINE IN THE COMFORT OF YOUR HOME. There are usually more deals found when doing online shopping as well. For example, flash discounts through email marketing that you usually won’t get in store, and you can see from all these growing retail industries that they create value for their customer. IT COME SOMETIMES FEEL LIKE MISSION IMPOSSIBLE It’s not as a pleasant experience as ordering something online in the comfort of your home. There are usually more deals found when doing online shopping as well. For example, flash discounts through email marketing that you usually won’t get in store. THIS PRESENTS TWO OPPORTUNITIES FOR YOUR BUSINESS IDEAS 1: Follow the trends and don’t start a retail storefront in the declining industries, and stock within the growing industries if you want a retail-based business. If you need help finding trends, you can use these 12 tools for discovering business idea trends. 2: Design more engaging, fun and value-added aspects to a declining retail industry, and see how you can substantially stand out from the competition and take market share from the current competitors. Next time you sit down with your list of retail-based business ideas, ask yourself those questions I put in above, and see if the company you want to start will actually provide an amazing experience and add value to someone’s life.
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MBE BUSINESS MAGAZINE APRIL / MAY 2020
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APRIL - MAY
EVENT 2020 CALENDAR APR 10
FRIDAY
Good Friday in Canada
APR 13
MONDAY
Easter Monday in Canada
Good Friday occurs two days before Easter Sunday. It is the day when Christians commemorate the crucifixion of Jesus Christ, which plays an important part in the Christian faith. It is also a statutory holiday in all Canadian provinces and territories except Quebec, where it is partially observed
Easter Monday is the day after Easter Sunday, which commemorates Jesus Christ's resurrection, according to the Christian Bible. Easter Monday is also a holiday for many Canadians.
APR 24
FRIDAY
Ramadan Start in Canada
APR 29
WEDNESDAY
Yom HaAtzmaut in Canada
Ramadan (also known as Ramadhan or Ramzan) is the ninth month in the Islamic calendar. It is a period of prayer, fasting, charity-giving and self-accountability for Muslims in Canada. The first verses of the Koran (Qu'ran) were revealed to the Prophet Muhammad (also written as Mohammad or Muhammed) during the last third of Ramadan, making this an especially holy period.
Many Jewish people in Canada remember Israel’s Independence Day,
also
known
as Yom
Ha’Atzmaut
(or Yom
HaAtzmaut).
Celebrations are annually held on or around the fifth day of the month of Iyar, according to the Jewish calendar.
MAY 10
MONDAY
Mother's Day in Canada Many
Canadians
celebrate
Mother’s
Day
by
showing
their
appreciation for mothers or mother figures. The Mother’s Day date in Canada is on the second Sunday of May each year.
MAY 18
THURSDAY
Victoria Day in Canada Victoria Day, also known as May Two-Four, May Long, and May Long Weekend, is a Canadian holiday on the Monday preceding May 25.
MAY 19
20
FRIDAY
MBE BUSINESS MAGAZINE APRIL / MAY 2020
Laylatul Qadr (Night of Power) in Canada
Many Muslims in Canada celebrate Laylat al Qadr, which most likely falls on one of the last 10 days of the Islamic month of Ramadan. Also known as the Night of Power or the Night of Destiny, it commemorates the night when God (Allah) revealed the Qur’an, which is the Islamic holy book, to the prophet Muhammad, according to Islamic belief.
W W W. M B E F O RYOU. C O M
MAY 24
Eid ul Fitr in Canada
SUNDAY
Many Muslims in Canada celebrate Eid al-Fitr (also known as Id al-Fitr or Eid ul-Fitr) on the first day of Shawwal in the Islamic calendar. It marks the end of the month-long fast of Ramadan and the start of a feast that lasts up to three days in some countries.
MAY 31
Pentecost in Canada
MONDAY
Pentecost is a Christian observance commemorating the descent of the Holy Spirit on Jesus Christ’s disciples, according to the Bible. Many Christians in Canada celebrate Pentecost, which is also known as Pentecost Sunday, Whitsunday, or Whit Sunday.
CROSSWORD PUZZLE SOLUTION
MONTH FEB - MAR
1
K A B O W H I R H I L D E A M O R D I V I O N E N S I N G 2
3
4
14
17
20
23
24
25
27
32
34
V E L O U E
42 45 48 53 59 62
E J E C T
W W W. M B E F O RYOU. C O M
B U R R O
46
I R I S E S
43
5
B O H R M E A E L V E N I A L D I N G O E I P U N W O R S C I O U T U S C A I Z O F A N T R E 6
7
15
18
21
28
29
8
M O O N
9
L E T T S
31
30
33
35
40
49
54
60
63
50
51
E D G Y
52
S W I G S I I N I O S L C I N E S A B E D 22
26
41
44
47
55
61
64
D A P H N E
11
S U R P R I S E
37
10
16
19
36
O R E A D S
12
S P A D E
13
A R C H
38
D E L E
39
E S S E X
D R E W
L L Y T E E R M A
56
57
58
MBE BUSINESS MAGAZINE APRIL / MAY 2020
21
5 ACCOUNTING CHALLENGES STARTUPS Face & How To Fix Them
DIGITAL MEDIA MARKETING MB Enterprises
Accounting challenges are the most common ones that
assets are increasing, enabling it for debt settlements. Cash
comes up in new businesses and fixing them up can be a big
flows in a company’s financial statements are listed in three
financial issue. At the same time when starting a business
sections detailing activities. The three sections are cash flow
solid accounting practices are a necessity to have success
from operating activities, investing activities, and financing
initially.
activities.
Accounting and bookkeeping holds paramount importance in
Maintaining a positive cash flow can be a huge challenge for
the initial phases of a business. As a business is in the early
fresh companies and new startups. The new companies’
days, accounting analysis, ratio analysis and recording of all
usually avoid the cash flow problems by staying on top of
activities regards to the business is a must. This is all
their finances, maximizing their revenues and finally minimiz-
because of the investment in business that requires a ROI i.e.
ing the expenses. The best way is to minimize the expenses
a Return on Investment.
and risks associated to business initially. This can be strategically achieved by reducing the costs payments and lowering
WHAT IS A ROI?
the cost of inventory.
A ‘ROI’ or Return on Investment is the Return you are getting on the initial investments that you have incurred on the
2. KEEPING TRACK OF FINANCIAL INFORMATION:
business. As businesses demands huge Returns to get
While running a small business and a new startup one can
established, it is necessary to get hold of the ROI or Returns
easily miss keeping track of financial information. As an
on Investments in a fully functional way.
owner or a CEO of the enterprise keeping track of the
However, as we discuss the issues and challenges when
financial information is a risk assessment exercise. It always
starting a new business. Here are some of them;
allows to optimize the cash flow, pay the taxes on time, success evaluations of the business and its standings, and
1. Maintaining a Healthy Cash Flow
attracting new investors through profitability. All these
2. Keeping track of financial information
activities are important to be successful and reductions in
3. Bringing in enough capital
initial phase accounting challenges.
4. Handling Payroll 5. Paying The Taxes
3. BRINGING IN ENOUGH CAPITAL: Enough capital means enough investments and making
1. MAINTAINING A HEALTHY CASH FLOW:
yourself secure for future investment options. A new invest-
Maintaining a healthy cash flow and with consistency is a
ment obviously demands big initial capital investments,
litmus test of a new startup. Cash flow in accounting terminol-
however, at the same time there should be a proper risk
ogies means the Net Flow of cash at the end of the month.
analysis to make goals sustainable. Most businesses accom-
Hence, in more financial terms a Cash flow is an important
plish these tasks by getting hold of or acquiring the investors.
financial metrics that determines the liquidity of a company. A
You have to convince the investors that their investments are
positive cash flow is an indication that a company’s liquid
risk free and they will not be incurring losses.
22
MBE BUSINESS MAGAZINE APRIL / MAY 2020
W W W. M B E F O RYOU. C O M
As an owner of the business you have to be very determined,
cost consuming, however, but still holds positive impacts on
focused and must have a solid business plan. These must be
the company profiling.
clear, having concise financial records and identifying potential investors.
5. PAYING THE TAXES: Last, but never the least is paying the taxes on time. Almost
4. HANDLING PAYROLL:
all businesses have to file and pay taxes. It can be a huge
Payroll, a key function in accounting and financial manage-
accounting challenge to understand the taxation system
ment for keeping track activity of employee payment records.
initially. For that particular purpose, the owner of the startup
In a startup business handling payrolls can be a huge
business should have a dedicated accountant or must
challenge as initial profitability is something that doesn’t
understand the tax system themselves.
comes that easy. The payroll is an unavoidable task and it needs to be accurate. Important as well, because getting the
Filing tax returns, maintaining offline and online records and
trust of employees is immensely crucial for a startup
interacting with consistency with the tax department is
business.
important to overcome the accounting challenges. The challenges that are associated with the ‘fresh nature’ of the
In what cases it can be a challenge, that’s the question? It
business, can easily be overcome through adequate tax
can be a significant challenge when startups don’t have the
knowledge. A good solution is to outsource taxing services
ability of handling tasks in-house and there can be some
and hire a tax consultant to overcome the challenges faced
major calculation errors. Thus, in that case, the best solution
because of the taxes.
of outsourcing the payroll activities. Something that can be
W W W. M B E F O RYOU. C O M
MBE BUSINESS MAGAZINE APRIL / MAY 2020
23
8 JOBS COMPANIES
Shall Be Looking Forward in 2020
DIGITAL MEDIA MARKETING MB Enterprises
In the 2020, there shall be a huge demand for many jobs in
These industries includes Airline, Engineering and Aviation
various different sectors. This demand is due to the advance-
industry, Space research, Science and Technology, IT and
ments in technology, infrastructure and developments in
Computers, Mechanical engineering, and Food, Health and
many sectors.
Safety industry. All these industries requires involvement of Technology, and quality assurance procedures that are a
1. DEMAND FOR DATA ANALYSTS:
mandatory requirement.
Data analysts will be in demand as the amount of data research will definitely be on the increase. The position for
3. STABLE AREAS: ARCHITECT & ENGINEERING JOBS:
data analysts requires immense amount of experience and
Stability in jobs in areas for architects and engineers will be in
knowledge of analyzing and evaluating rich data.
demand in the whole 2020. The reason behind this is every year there are hundreds of buildings and infrastructure that
JOB RESPONSIBILITIES OF ‘DATA ANALYSTS’:
will be getting ready as the demand for high rise buildings all
The job responsibilities of ‘Data Analysts’ are as follows;
over the world has increased significantly.
1. Analyzing huge data sets. 2. Making data representations and useful analysis in form of
In North America i.e. Canada and the USA, the demands are
pie charts, histogram, bar charts and other statistical
very high for high-rise infrastructure. This is mainly because
representations.
according to stats and research USA and Canada are
3. Making useful comparisons for the purpose of Market
considered countries with larger concentration of high rise
Research and surveys.
buildings. New York is the city with the highest number of high
4. Gathering useful information for data surveyors and
rise buildings than any other cities in the world. Toronto is
research scientists.
increasing every day in the number of high-rise buildings and
5. Also used by research analysts for analysis of trends,
growth in infrastructure.
behaviors, and market evaluations. 6. Data analysts use data interpretations for help in reports
Hence, with the increase in high-rises the engineering jobs
for future market research options, sales trends and other
shall also be increased i.e. civil engineering, mechanical
‘Data Research’.
engineering, and electrical engineering works, etc.
The positions for data analysis shall be useful in 2020 due to
4. INCREASE IN SPECIALIZED SALESPEOPLE/ EXECUTIVES:
the huge amounts of data that will be used for data manipula-
The increase in specialized sales executives and business
tions and analysis.
development executives shall also be on the rise. This is primarily due to the fact that sales people are the ones who
2. A BOOST IN IT, TECHNOLOGY & MATHEMATICAL JOBS:
are responsible for bringing increased sales & growth to
There shall be a boost in IT, Technology and mathematics
industries.
jobs in the year 2020. The boost is primarily due to the fact
Similarly Business development managers and executives
that IT, mathematics, and research shall be in demand in
are the key force in the Sales and Marketing departments.
almost all industries.
They are the ones who are highly responsible for a successful marketing environment.
24
MBE BUSINESS MAGAZINE APRIL / MAY 2020
W W W. M B E F O RYOU. C O M
5. THE NEED FOR ‘EXPERIENCED’ MANAGERS ESPECIALLY DURING TRANSFOR-
7. NEED FOR HR, ORGANIZATIONAL DEVELOPMENT SPECIALISTS & RESKILL-
MATIONS:
ING WORKERS:
Every company should plan for a change management
Human Resource specialists are needed in almost all the
program or a transformation strategy at the start of 2020. The
organizations, and in 2020 their demands shall be huge.
role of experienced managers and higher management in the
Organizational development and organizational behaviors are
implementation of a change management program can’t be
the two mainstream fields for promoting discipline and skills in
ignored.
any organization. Re-skilling means coming up with a change management program for workers skills and development
‘Senior Managers’ should act like an anchor for their company
requirements.
in combatting issues of transformation. The role is also important as they are experienced enough in understanding a
The start of 2020 will see huge investments in research and
company’s culture.
development, hence an automatic increase in the people’s skill development programs.
6. THE NEED FOR PRODUCT DESIGNERS: The intense need for product designers is a necessity for
8. INCREASING DEMAND FOR RELATIONS EXPERT. ESPECIALLY FOR
bringing uniqueness, creativity and increasing the innovation.
COMPANIES EMBRACING NEW TECHNOLOGIES:
Innovation beyond any doubts is a true essence of bringing
Govt. relations experts especially those involved with new and
creativity to a product and feature enhancements.
advanced technologies will be in demand. Every year the
Product designers shall be needed in almost all sectors
introduction of new technologies means the techno world is
whether it’s mobile technology, clothing/garments industry,
always on the boom. As part of the regulatory affairs and
food and technology industry, media, marketing and advertis-
relationship management, there shall be a boost in demand
ing.
for regulatory officers.
W W W. M B E F O RYOU. C O M
MBE BUSINESS MAGAZINE APRIL / MAY 2020
25
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CROSSWORD PUZZLE
15 16 BEWARE THE IDES ACROSS Across 18 19 1 Personal ad abbr. 4 West Indies native 21 22 9 Form of some protests 14 Chinese "way" 15 Identical 24 25 26 27 16 Draw a bead on (2 wds.) 17 The Buckeyes, briefly 28 29 30 18 Best Actress Oscar nominee for her title role in "Pinky" (1949) 20 Develop a liking for (3 wds.) 31 32 33 34 35 22 Sounds heard in passing? 23 Denzel Wash-ington's co-star in 36 37 38 39 "Training Day" (2001) 25 Fraternity letters 28 Some 4-yr. degrees 41 42 29 Earth, wind or fire 31 Bronze 44 45 46 33 Honda model 35 King, in Cadiz 48 49 50 51 52 53 36 He was a Best Actor Oscar nominee for his portrayal of Mr. Miniver 54 55 56 40 Gonzales and Holder, for short 41 Hypothetical fundamental 58 59 60 particle 42 Wyn ken and Blynken partner 43 Kind of game in which the 62 63 loser's loss is precisely the winner's gain (2 wds.) 65 66 45 Bad result for a QB 47 Sound system brand 48 Former comedy duo straig,ht DOWN man who played Matt Helm in 38 Oozes, as charm slang 1 "Uncle Tom's Cab in" penner four films 39 Diary bit 12 __chi 2 Attended (2 wds.) 54 Finger, in a way 40 Early AIDS drug 13 It may be AM or FM 3 Club for rural youth (2 wds.) 56 Heightening posture 44 Playwright Sean 19 It moves in a wink 4 Some Louisinianians 57 Mobster and Vegas visionary 45 Obstruct 21 Normand of the silents 5 Israeli leaders? played by Warren Beatty in a 46 City near Mr. Vesuvius 24 "Six Degrees of ..." actor 6 Gaucho's accessory 1991 biopic 49 Gobbled (2 wds.) 26 Upturned, as a box (2 wds.) 7 " __Why the Caged Bird Sings" 60 "I _ you one" 50 Timbuktu's river 27 Hog haven (Maya Angelou autobiography) 61 Arab commander: Var. 51 Sporty car roofs (2 wds.) 30 Ticker tape?: Abbr. (2 wds.) 62 Blue __ shoes 52 Midwest tribe 31 "Twasn't nuth in"' (2 wds.) 8 Actor Stiller of "Night at the 63 I-__ Mini 32 They get fired up in the kitchen 53 Required things Museum" 64 Snap course (2 wds.) 55 Gore Vidal's Breckinridge (2 wds.) 9 __ book 65 After, but before -ski 57 Spell-off 33 Ann Rule specialty 10 Military aviators, collectively (2 66 Conscription org. 58 John's "Pulp Fiction" co-star 34 Wall St. fund-raiser, of sorts wds.) 59 "This__surprise!" (2 wds.) 37 Profs' helpers 11 Blockbuster, in "Variety" -type
See previous issue answers on page # 21 W W W. M B E F O RYOU. C O M
MBE BUSINESS MAGAZINE APRIL / MAY 2020
27
Horoscope for APR-MAY 2020 ARIES- TAUrUS ARIES Career and Money
your laptop to the kitchen table so
played—and what makes the players
you can work through dinner.
tick!
With all this high-profile energy afoot,
Love and Relationships
renegade Rams will have to set aside
Romance gets a revamp for everyone
punk-rock ways and learn to play by
in 2020, too. Venus turns retrograde
the corporate rules…at least some of
from May 13 to June 25, a cycle that
the time. But from March 21 to July 1,
happens every 18 months. This time,
sensei Saturn lunges into rebellious,
the love planet backs through Gemini
team-spirited Aquarius, giving you a
and your friendly, flirty third house.
chance to bend (or rewrite) a few of
Lines could blur in ways that are both
those laws. Before you go there, push
beguiling and a tad troubling, so don’t
achieve your goal.
yourself to gain a fundamental
let your rash nature guide your
understanding of these directives.
moves.
That said, nailing the elusive work-life
They do have a purpose, even if you
Since Capricorn rules your tenth house of career, you’ll be obsessed with figuring out your soul purpose. If you’re already marching along your path, scale up your mission or expand into new territories. Long hours at the office won’t bother you at all. You might just set up a workspace at home this year so you don’t have to sacrifice all your family time to
balance will be a worthy challenge in 2020. With three final eclipses hitting the Cancer/Capricorn axis between January and July, you could get pushback from loved ones if you skip too many family gatherings—or bring
28
MBE BUSINESS MAGAZINE APRIL / MAY 2020
consider it archaic. Saturn will return
The third house is the realm of
to Aquarius again from December 17
coworkers and neighbors, two groups
until March 7, 2023, so don’t get
of people you should think twice
overly hung up on changing the
about fooling around with. What
game this year. It’s more important
might feel like a convenient spring
that you learn how said game is
fling could leave you feeling beyond
W W W. M B E F O RYOU. C O M
awkward around your office or
Since Jupiter is the galactic gambler,
finance” policy this year. Single Bulls
apartment complex. On a positive
your play-it-safe nature won’t hold you
will have little tolerance for a Tinder
note, Venus’ backspin could give you
back when it’s time to leap. Risky
date who doesn’t reach for their wallet
the courage to admit that your feelings
moves you would never have consid-
when the check comes (as an act of
go beyond friendship for someone
ered in the past might seem sane and
generosity as opposed to archaic
who makes you swoon. Coupled Aries
logical in 2020. Both Jupiter and
gender roles). And if they have no
can use Venus retrograde to strength-
Uranus have a teenage quality to
plans for building a stable future, it’s
en communication. Are you insisting
them, and in 2020, you could feel as
an instant “bye!” Between April and
on autonomy at the expense of
fearless (and frisky) as a 15-year-old!
August, coupled Taureans could come
harmony? See where you can compromise and cooperate more.
into cash as a result of your S.O.’s Simultaneously, structure-obsessed
good fortune, through their income, an
Saturn and control-freak Pluto will
inheritance or a mix of both. Serious
travel alongside Jupiter in Capricorn,
talks about spending, saving and
providing some semblance of a safety
investing must be had in 2020.
With your enthusiastic and expansive
net. These powerhouse planets have
Fortunately, Venus is the cosmic
ninth house #lit, 2020’s planets help
been settled in Capricorn’s realm for a
diplomat, which makes it easier to
you face your changing circumstances
while—Saturn since December 19,
discuss the “taboo” topic of money.
with a rare sense of enthusi-
2017, and Pluto since November 27,
asm…and, dare we say, joie de vivre.
2008. Fear not, Taurus, you haven’t
And should all the fast-moving energy
That might also mean scrapping your
lost all touch with your common
of 2020 necessitate a major life
meticulous ten-year plan or cashing in
sense. Even if you do have moments
change, courageous Mars has your
on an investment before it’s reached
where you just want to escape off the
back. The warrior planet will hold an
full maturity.
grid, status-conscious Saturn and
extended pose in Aries and your
Pluto won’t let you give up all worldly
twelfth house of healing, transitions
Should you find yourself suspended
possessions to follow a guru across
and endings from June 27, 2020, to
between two worlds, do not panic.
the globe. (A three-month stint in an
January 6, 2021. During the
With horizon-broadening Jupiter in
ashram, however, is not out of the
retrograde phase, which lasts from
Capricorn and your open-minded
question in 2020.)
September 9 to November 13, you
TAURUS Career and Money
ninth house until December 19, you’ll be shocked by your own versatility.
Love and Relationships
This is the year to be a student of life,
Since Venus is the ruler of love, she’ll
opening your mind to discoveries.
institute a firm “no romance without
W W W. M B E F O RYOU. C O M
may need a time-out to grieve a transition.
MBE BUSINESS MAGAZINE APRIL / MAY 2020
29
AUSTRALIA
A History of Fire & How it can Help in Future DIGITAL MEDIA MARKETING MB Enterprises
Australia is the smallest of the seven continents and the
since ages, the animals have adapted and so did the plants,
seventh largest countries on earth. The Capital city is
however, the threats have increased more or less. An Aussie
Canberra and the biggest cities are Sydney and Melbourne
environmentalist from a University believed that all this is
that are the economic and cultural centers and one of the
embedded in the Australian biota, and in its genome.
most developed cities in the world. The country is full of landscapes, forests, and deserts making Australia one of the
IT SEEMED LIKE MAGIC IN AUSTRALIA:
most wanted tourism and cultural spots in the world. It has
The early Australians i.e. the indigenous Australians just
been called as the oldest continents, “The last of Lands” and
celebrated their land, the fire, hunted, cooked and used it to
“The Last Frontier.”
good effect to manage the massive land. The originals from Australia, as they are known as ‘The Aborigines’ i.e. ‘The
AUSTRALIA- THE ‘FIRE’ CONTINENT OF THE GLOBE:
Native Australians’, made it more of a fire continent than it
However, the country has faced immense challenges due to
was before. They were the ones who knew the best use of the
dangers and hazards caused by bushfire and wildfires in their
fire stick and consumption of what they called ‘The Magic of
forests. Australia comes 6th on the list of forest area covered
Fire’ in the medieval ages.
with 16% of their land covered in forests. The country has a history of bushfires with many people dying annually, wildlife
Their land management practices included “cultural burning”
getting killed and many other hazards that have been a
i.e. coming from the primitive times. ‘Cultural Burning’ helps in
source of challenge for the Government of Australia.
preventing the fire risks and protecting native habitats.
According to the forest researchers of Australia, the bushfires
The next age settlers’ i.e. European settlers and newcomers
have shaped our continent since many years and the threats
saw the cultivated landscape, a land that has been nurtured
are more immediate and impactful. It is known as the
irrespective of the hazards. Seemed like a piece of magic or a
‘Fire-continent’ of the Globe and that’s the most concerning
miracle especially to the colonists who thought that it had
things i.e. the future of fire as the continent steps into the
been prepared for them and their stocks. A landscape that
hotter times. The intensity of heat in the forests in summer is
was transformed through years of constant understandings of
so high that it causes fire, however, the answers can be local,
combatting instruments from the wildfire.
ecological and historical. THE NEW ERA OF WILDFIRES-THE GLOBALIZED AGE: A LANDSCAPE SHAPED BY FIRE:
A set of carefully managed fire practices used by the old age
The conditions in Australia and the landscape is the right one
Australians i.e. Indigenous Australians were altered in one of
for fire. With time since the last century the flora and fauna
the most drastic ways.
has adapted. According to the botanists and regional researchers from Forests in Australia the continent has
The arrival of Europeans in around 1788 saw some great
possessed the right conditions for fire. It is wet enough for
disasters as they removed the managers from the
things to grow and dry enough for them to burn. With time
landscapes, letting the land go wild. European settlers saw a
30
MBE BUSINESS MAGAZINE APRIL / MAY 2020
W W W. M B E F O RYOU. C O M
new era of wildfires, as well as more intense fires and more
Burnings has been identified through extensive research as
frequent fires.
one of the many methods of hazard reduction. It is a method along with the mechanical removal of the fuel, and the
Australian ecologists also believed that in some ecologies in
method has turned out to be less risky rather more expensive
Australia things have differed because of geographical
in terms of cost effectiveness.
reasons. An example includes the mountain ash forest of south east Australia.
A hazard reduction burn is highly preventive as it reduces the intensity of the fire and allows the firefighters to control it. It
The Indigenous Australians would have burnt around the
also does less damages to the wildlife along with the associat-
edges of them and kept the pathways from those forests very
ed regional assets.
open and clear for people’s convenience. They knew how to save lives, however, they didn’t preferred to live in the hearts
According to research the fuel reduction becomes less
of those forests and avoided them in summers for better
effective and this takes place as the weather conditions get
reasons.
hotter, drier and windier.
THE HAZARD REDUCTION BURNS- FUTURE IMPLICATIONS: A hazard reduction burns is also known as fuel reduction burn. It is a fire that is deliberately started in order to reduce the severity of future wildfires and bushfires. It is one of the implications or remedies and is a modern phenomenon.
W W W. M B E F O RYOU. C O M
MBE BUSINESS MAGAZINE APRIL / MAY 2020
31
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The Canadian Housing Market Trends: 2020 Forecasts DIGITAL MEDIA MARKETING MB Enterprises Making money in the Real Estate not
to the rise and fall in the real estate
conditions & political instability.
only requires immense amount of
and property markets. These ‘Trends’
Climatic hazards in form of an
market trends analysis but also
matter mostly in big countries where
earthquake, storms or intense cold
requires focus of the variable markets.
land is easily available but the prices
conditions are also few examples.
of properties can vary according to A huge part of the residential property
the climatic conditions, according to
THE ROLE OF ‘INFLATION’ IN REAL ESTATE:
income comes from the ‘rented
the provinces, and according to the
Inflation in the real estate means the
properties’. The rental income in
real estate behaviors in the last few
prices of property today shall be
Canada and the prices of buying a
years.
different from that 10 years later. As
home via mortgages have fluctuated since 2016.
an example we can have a look at this As Canada is a huge country with low
case scenario a bit closer. A piece of
population density, these stats also
land worth $100,000 in the year 1970,
The reasons can vary due to the size
vary according to the provinces and
even if it is undeveloped and not cared
of the huge country i.e. Canada,
the intense climatic hazards. In the
for it will be worth many times more
however, making useful analysis of the
‘Housing market’ trends, ‘country-risk’
than what it was worth in 1970.
trends is a vital element while making
is one of the foremost risks and these
Therefore, the value of the property
investments in the property sector.
depend according to the political
will automatically rise with time in
conditions of the country. Other
most cases and this rise variance is
WHAT ARE THE HOUSING MARKET TRENDS?
conditions that relates to ‘country-risk’
according to the ‘appreciation value’
The housing market trends are related
are terrorist activities or attacks, war
for the land.
34
MBE BUSINESS MAGAZINE APRIL / MAY 2020
W W W. M B E F O RYOU. C O M
CANADIAN HOME SALES WILL BE ON A HIGH FOR
figures for home construction and
the sustainability of Canadian citizens
THE NEXT TWO YEARS:
that’s in line with the historical average
and the country itself. There is huge
According to the CMHC’s sales
for annual home construction.
infrastructure in Canada especially in
forecasts figures that are in most
cities like Toronto, Vancouver, Calgary,
cases accurate the home sales have
There are many reasons why the
Ottawa, and Montreal. These are
fluctuated since last 4 years i.e. 2016,
stability in construction matters, the
some of the biggest cities in Canada
2017, 2018 and 2019. It was on a
main reason is economic stability and
with huge investments in property,
peak in 2016 than came down in 2017
over all property prices. The economic
which includes both private and
and kept falling in 2018 and stayed the
outlook for Canada has stayed
commercial.
same in 2019. However, there is a
positive over the years and this is
huge forecast for 2020 and 2021 that
mainly because builders feel good
AFTER DECLINES OF 2019, A RISE IN HOME
the home sales in Canada especially
about picking up the pace in home
PRICES:
in Ontario and British Columbia will
construction.
Similar to the sales there has been
increase. This is mainly because of a
One of the key factors of stability in
huge fluctuations in the home prices
strong demographic-driven demand
home construction is a stable labor
since the last 2 years. Not like the
for the housing sector.
market and labor laws. Canada is a
home sales the organization CMHC
country that gives labor rights to its
believes that it will be at strength in
REASONS FOR STABILITY IN NEW HOME
construction workers and labors with
the provinces of Ontario and Quebec,
CONSTRUCTION IN CANADA:
insurance that covers life insurance,
and that will lead to growth in the year
There will be stability in 2020 in the
and injury at work insurance.
2020.
and that is due to the demographic
THE IMPORTANCE OF LABOR LAWS IN CANADA:
However, by 2021, Quebec will be
demands increasing in most provinc-
Labor and construction laws in
down on the third place and the
es. In 2017 it was on its high i.e. most
Canada holds huge importance and
British Columbia markets will be in the
constructions of new homes in
are a big reason for its economic
big leagues. These three provinces
Canada happened in 2017 according
stability, hence automatically affecting
are the center of attraction for CMHC
to stats. What’s expected in 2020 and
the stability factors. Labor laws in the
with little gains that will be expected in
2021 will be the same as of 2019
construction industry are designed for
other regions.
new home construction in Canada,
W W W. M B E F O RYOU. C O M
MBE BUSINESS MAGAZINE APRIL / MAY 2020
35
The Green Party Wave Could Spread Across Canada: An Overview of
Party Agendas
DIGITAL MEDIA MARKETING MB Enterprises
The Green Party’s political agenda holds immense popularity
ACCOMPLISHING GLOBAL SUCCESS WITH DEFINED AGENDAS- THE GREEN
amongst the Canadians especially the rich class who are
PARTY:
most conscious of Canada’s Go-Green Sustainability
Every step towards their goals have enabled the Green Party
measurements. There are high profile Canadians these days
rise in their agendas for Canada. In terms of the preferences
who are concerned about the Climate change being a Global
for the party voters, it gives the voters a permission to
agenda. This has however created a shared social expecta-
express their true preferences instead of their strategic
tion that voting for the Green Party could also elect Green
preferences. This related to the practical steps of the Green
Politicians is a completely different story.
party towards their agendas for Canadian politics and its variable overviews.
36
MBE BUSINESS MAGAZINE APRIL / MAY 2020
W W W. M B E F O RYOU. C O M
interested in starting discussions for climate refugees and The Following sectors are the Green Party agendas;
they want to convince the Govt. to include them in the official
1. CHILD CARE:
refugee category.
As according to the policies of Green Party as of past elections 2019, they were keen to boost child-care funding to
5. JOB PROSPECTS- ‘2020’:
at least 1% of GDP annually.
The most important category that needs radical and improvised reforms in 2020 is the job sector. It is the revenue
This has been part of the universal child care funding
and tax generation sector for the economy and wellbeing of
program that lays emphasis on creating child care spaces in
Canada and making it a nation that stands out in the list of
the workplaces and awareness measurements on national
the most developed nations.
level. The Green party in election 2019 campaign gave a serious Green Party ex-leader Elizabeth May also announced her
mandate to improve the minimum wages to $15/HR, a
plans in the previous elections to create children’s commis-
pay-raise for hourly workers making them more secure in
sioner to ensure the importance and considerations for
terms of their monthly income brackets. They also gave a
children in the Govt.’s policy.
preposition for the removal of unpaid internship programs. The cancellation of the temporary foreign worker program
2. CLIMATE CHANGE- ‘A NATIONAL AGENDA’:
and implementation of a guaranteed livable income i.e.
In the last year’s elections of 2019 the agendas for Climate
income and support.
Change for Green Party Canada always related with their party name relevancy. They aimed to reduce Carbon
The most revolutionary measurement that Green Party
emissions by 60% below the levels that were in 2005 until 10
leadership promised was a robot tax i.e. the tax amount
years i.e. 2030. They further aimed to hit zero emissions to
companies will be paying for replacement of an employee
2050. This party also opposed the fossil fuel projects ending
with machine. The aim is evident and justified, more and more
the subsidies within a year according to their election
jobs for people with a higher pay rate and better future
mandates. Green party also pledged in their electoral
sustainability.
campaigns that all the electricity would come to renewable resources by 2030, a huge savings in resources for future.
6. TRANSPORTATION- MAKING COMMUTING EASIER: Transportation, an issue that was addressed in the mandate
3. HOUSING & REAL ESTATE:
of the Green party with an aim for better commuting
In the housing and real estate sector ‘Green party’ agenda is
measures for the general public. Following are their transpor-
a much improved one than their last campaign. In their
tation agendas and prepositions in the light of Govt. transport
mandate of 2019, they aim to build 25,000 new units that are
reforms.
affordable for an average Canadian resident. 1. The party is eager for all public ground transportation with They also aim to improve the real estate with at least 15,000
zero-carbon by ‘2040’.
renovations for the next decade. It’s their aim to pursue the
2. A Re-investment in rails and increasing the train speed for
Govt. to legislate housing as the fundamental right of all
faster commuting
Canadians. Appointing a minister for housing for the National
3. Introducing electric cars by the year ‘2030’.
housing strategy that looks insights into more resources for
4. Investments in national grid allowing vehicles to travel
housing co-ops.
across Canada. 5. An exemption of all electric and zero-emission vehicles
4. IMMIGRATION REFORMS & POLICIES:-
from Federal Sales Tax.
Canada is a country where immigration is given huge importance & immense weightage in terms of the ironic
These transportation measures given as a mandate from
policies and annual immigration applications. Green party
previous year is a sure proof of the efforts that Green Party
agenda and mandate is to increase the immigration targets
has promised to do for the sake of transportation and
especially to areas with unfilled job vacancies.
commuting. They want easy, reliable and faster commuting for the general public ensuring a safe and secure transport
Their agenda also illustrates that there is a need of getting rid
system. A highly effective one covering most parts of Urban
of the ‘Safe Third country agreement. ‘Hence, the party is also
and rural Canada in terms of connectivity.
W W W. M B E F O RYOU. C O M
MBE BUSINESS MAGAZINE APRIL / MAY 2020
37
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MBE BUSINESS MAGAZINE APRIL / MAY 2020
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YOUR SUCCESS IS OUR PASSION
RESTAURANT POS, Its Applications & its Benefits to Clients
DIGITAL MEDIA MARKETING MB Enterprises
Restaurant POS is a key innovation in modern Point of Sale
For Example, if you go to a Coffee Shop in downtown, after
systems giving new and deeper charms to the restaurants
selecting your coffee, the attendant will ask you are you
and Hospitality industry. The restaurant POS systems has
paying by cash or card. If you say I will pay by card, you will
shown lately how to impress the clients with POS Technology
have to insert it in the card reader and your payment shall be
giving those cashless and safe transactions that are expect-
deducted. As easy and hassle free way of buying a coffee
ed.
using the POS.
Hence, it also gives a fair statement that restaurants are not
Some of the key features in the integrated POS systems are;
lagging behind in any race with the Retail industry. There are
• POS Hardware
many benefits associated with POS technology in restau-
• Mobility
rants. Its customer experience that is distinguished and
• Reporting & Analytics
extraordinary in terms of the facilities usage and combining it
• Inventory Management
with an exclusive guest experience.
• Labour Management • Gift & Loyalty
WHAT IS RESTAURANT POS? Restaurant POS are just like the traditional POS systems
IDENTIFYING THE BUSINESS BENEFITS OF ‘POS’:
where a customer makes a payment for their goods and
Identification of the business benefits of POS worldwide are
services. There are similar features in Restaurant POS that
mainly enjoyed by the operators in the restaurant business.
includes payment terminals, touch screen, POS hardware
From the business Point of View Restaurant POS holds
with variety of features and functionalities and POS software
significance in Marketing, operations and service delivery.
options.
The benefits are in terms of expansions in Business strategies especially in Canada, a highly strong and stable
In today’s fast paced POS Systems environment the restau-
country in technology.
rant POS plays a bit different role. In today’s environment it is known as the restaurant point of service, as it is not just
The benefits are highlighted below;
about processing sales, its giving a full and satisfactory
1. Exceptional Guest Experiences:
service to the customers.
In today’s world of business everything relates to dynamic and improvised customer services. A truly enriching customer
HOW RESTAURANT POS WORKS?
service experience means your customer satisfaction is high
Restaurant POS is an essential entity that is associated with
and your customer liked the experience of ‘restaurant POS’
the food and beverage operators especially for the ones who
that’s is a bit different as it makes you feel more important as
want to give a highly acknowledged guest experience. It
a guest. In other words making exceptional guest experienc-
keeps control of the costs of business operatives i.e. clients,
es.
and also grow their revenues and profitability options. 2. Centralized controls of menus and promotions:
44
MBE BUSINESS MAGAZINE APRIL / MAY 2020
W W W. M B E F O RYOU. C O M
The restaurant POS very intelligently gives you some unique
6. Mobility:
experiences. As a customer/client you will have controls of
Driving your success from anywhere and anytime. Such a
menus and promotions and you can easily select from what
system offers advantages that includes improvements in
you want with detailed descriptions of the food items.
order accuracy as well as fast service.
3. Kitchen Systems to Maximize The Quality Of Foods & Its
MBE IN THE HOSPITALITY INDUSTRY & POS SYSTEMS INTEGRATION:
Accuracy:
MBE has stepped into the hospitality industry since 2019
These days there are highly maintained, updated and
after the acquisitions of Senator Hotel and Algonquin Inn. The
synchronized Quality of food and accuracy systems linked to
aim of the business in the hospitality industry is promoting the
the POS environment. A key feature in smart food technology
tourism industry and marketing its operations in the 4 Hotels
and complying with the ‘Quality Assurance’ procedures.
that MBE owns.
4. Data To Help You Make Money & Save Money:
MBE aims to be one step ahead in terms of technology as MBE POS is a highly established company and a key entity of
Make considerable amount and savings by being smart in
the MBE Group of companies.
making decisions through POS systems analytics. It’s your restaurant POS that have details of all the transactions taking
SELECTION OF THE RIGHT RESTAURANT ‘POS’:
place. Making money can be easier as it gives better and
Selecting the right restaurant POS is more meaningful for the
profitable options worldwide.
business operatives than investing huge amounts in restaurant POS systems. It’s not only critical in running a smooth
5. Loyalty To Maximize Revenues:
operation, but it also tells the business operatives very clearly
Providing loyalty offers is a must as loyalty will definitely help
what services they need and what services can be ignored.
in customer retention. Most people going to restaurants are members of at least 1 restaurant loyalty program, especially in the USA & Canada.
W W W. M B E F O RYOU. C O M
MBE BUSINESS MAGAZINE APRIL / MAY 2020
45
INTEGRATED
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Success Ideology: 5 Habits Most People Always Practice DIGITAL MEDIA MARKETING MB Enterprises Successful people are always in
what successful people keeps on
ANALYZING PAST TRENDS & PERFORMANCES-
compliance with some habits that are
doing as a habit that is one of the
LOOKING FORWARD:
a necessity for their success and later
most desired approach. Why consis-
Making analysis of the past trends
for the maintenance of successful
tency in approach is important? One
and performances is a useful measure
growth agendas. It’s not always about
of the key reasons behind this is to
for attainment of targets. Your goals
work, it’s about becoming a personali-
maintain your position in business or
are a set of targets that are highly
ty of success through constant hard
company, triggering your sense of
defined and it’s important to analyze
work and consistent implementation
achievement and also your sense of
and strategize how to move forward.
strategies.
opportunity and clarifying your goals and visions in your own eyes.
The set of habits that successful
What affected your business and your business goals in the past is critical for
people mostly adopt for a successful
If you are a successful businessman
you time and again. This is important if
growth are as follows:
or a tycoon, having a budget for the
you are a successful personality and
current year will always keep you
your habits are defined for your
SUCCESS PLANNING- DEVELOPING A CONSIS-
aware of the expenditure. A budget
success generation.
TENT APPROACH:
holds deep significance regards to
Consistency through planning is the
what you want to save and how much
What is Performance Evaluation? A
attribute of the most successful
you shall spend. It is the best means
very precious question that every
people especially leaders, entrepre-
to cut down your spending and
successful man must ask to
neurs, and visionaries. Planning
making useful forecasts for future
themselves. It is hugely important to
according to your set of targets is
expenses.
make a good trends analysis so that
48
MBE BUSINESS MAGAZINE APRIL / MAY 2020
W W W. M B E F O RYOU. C O M
you know how much to improve and
keep refreshing them for future
DESIGNING A ‘PERSONAL EFFECTIVENESS’
what to expect next. Successful
agendas.
PROGRAM.
people are mostly concerned with how
As part of the personal effectiveness
their habits are affecting their profitabil-
EXERCISING HABITS FOR MOTIVATION- AS
program successful people should
ity, and mainly this is why they are so
SUCCESS HABIT:
always look for their success formula.
successful as well as careful in terms
Exercise e.g. jogging on a consistent
This formula largely depends on what
of their output levels.
basis or walking with your dog or
suits you, how impactful it can be and
alone is always a thought processing
how to formulate a strategy for
MAKING IMPLEMENTATION STRATEGIES-
act. It energizes you, increases your
success. As successful people have
REVISING FUTURE AGENDAS:
motivation levels, and releases your
already tasted success it makes them
Implementation strategies are the
stress from workplace tensions or
experienced enough to know what
formulation of strategies important in
business challenges. Exercising
works well for them in terms of
making success a habit. Successful
regularly is a habit of the most
profitability options.
people must keep on making
successful, as in this way they are
implementation strategies as they
energizing themselves to work longer
Finally, it’s the combinations that they
need to be practical in their personali-
as well as longer hours.
are looking for, as combinations
ty development measures. Why we
usually don’t fail you. In a personal
need Implementation strategies? A
Making exercise a good and consis-
effectiveness program your growth
question that most individual should
tent habit also gives you sense of
strategies are the utmost priorities
ask themselves. Such strategies
achievement and gives you time to
due to your past successful experienc-
makes a person or a business man a
re-think and gather your thoughts
es.
responsible identity of success. How
accordingly. Whether you want to
implementation strategies keeps on
devise a business strategy, think for at
Some people usually prefer not
changing? For Executives and
least half an hour for any business
relying on luck, rather than what has
Businessman? Another key question,
feasibility or plan a meeting next day.
suited those most often. As an
and the answer lies in the circumstanc-
A regular exercise or a regular walk
example personal effectiveness
es that can vary according to
will definitely give you a clear mind to
depends on how well you have gelled
business, or a job in other cases.
move forward. For successful people
with your success combinations.
making exercise becomes a habit as For successful people making
they should have a positive energy to
Factors that influence Personal
implementation strategies is like
wipe out the negativity and move with
Effectiveness vary from individuals to
fueling yourself for the future, redefin-
a vision for growth. As individuals we
individuals and also according to the
ing your goals and visions and
must all develop exercise as a
success levels that they have
formulating success agendas. Your
common habit to move ahead from
attained.
energies shall never be wasted if you
others especially the competitors.
W W W. M B E F O RYOU. C O M
MBE BUSINESS MAGAZINE APRIL / MAY 2020
49
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MBE BUSINESS MAGAZINE APRIL / MAY 2020
51
LIFE INSURANCE:
6 Reasons of Policy Denial by Companies DIGITAL MEDIA MARKETING MB Enterprises
This article lists down the top 6 reasons why life insurance is
possible unless you have worked with specific insurance
not acceptable by a life insurance group. These reasons
companies.
includes health issues, participation in high-risk activities, specific financial reasons, filed for bankruptcy, DUI, and
3. SPECIFIC FINANCIAL REASONS FOR LIFE INSURANCE DENIAL:
having a criminal record.
The need for financial justifications is a big financial reason for a decline in life insurance by a company. In simple words
1. HEALTH ISSUES- A CAUSE OF LIFE INSURANCE DECLINE:
there is an intense need for financial justifications that a client
The life insurance is normally declined by an insurance
must provide in order to move forward. The insurance
company because of health issues. As an example if
companies makes sure that the client is financially not weak
someone is at high-risk of life and suffering from a disease
and have all the reasons to apply for a life insurance policy
like Cancer. Hence, ironically the Life insurance company
i.e. highly justified.
risks are increased and that’s another reason why companies don’t think it’s worthwhile.
The qualification for the client also depends on the earnings per annum. As an example we can say that somebody who
For this particular reason i.e. involvement of high risk the
has an annual earnings of $25,000 per annum would most
person might have applied with the wrong company.
likely not qualify for $1,000, 000 life insurance policy. These are calculations for the Insurance companies and insurance
The best solution is to have a high-risk life insurance agent
companies know how much a client can qualify for keeping in
who can provide with an insurance company that is willing to
mind their earnings. Earnings play a huge part as they mean
give an insurance on such a high risk to life. However, this is
financial security for the client.
possible as companies are willing to move forward with those who can give an insurance on health risks.
4. FILED FOR BANKRUPTCY: If a client has filed bankruptcy due to a loan or they can’t pay
2. PARTICIPATION IN HIGH-RISK ACTIVITIES- A LIFE THREAT:
a mortgage payment, in this case the financial circumstances
Participation in high risk activities is a huge reason why
are overlooked by companies. Usually there are a huge
companies deny life insurance. As an example a simple case
amount of companies that will deny the life insurance policy
is that while most companies insure scuba divers. This
straight away due to bankruptcy being filed. Here the risks are
depends on the type of diving that you do i.e. (open water vs
high and high risks means less financial security. The word
cave diving). The other factors that some insurance compa-
‘Financial Security’ is the key for finding a solution that is
nies will not insure you if you are a scuba diver are as follows;
good enough for Insurance companies.
the amount of time you dive a year, how deep you dive & where you dive.
5. ISSUES ASSOCIATED WITH DUI (DRIVER UNDER THE INFLUENCE): Having a DUI i.e. driving under the influence is a negative
Other set of people are actively deployed military personnel
record and hence can have a negative impact on the life
who had a hard time getting approved. This cannot be
insurance policy of the client. Having more than three DUIs in
52
MBE BUSINESS MAGAZINE APRIL / MAY 2020
W W W. M B E F O RYOU. C O M
the last 10 years, every insurance company would decline
client last convicted, when did his conviction expired, and
your life insurance policy. Having at least 1 or 2 DUI’s in the
finally how many convictions was he under since last 2 years.
last 10 years means some insurance companies will decline
Based on these checks the client might get an insurance
you while others will not.
coverage depending how long ago the probation ended. However, coming in such a category it’s better to work with a
Having applied with DUI it is most possible that the client has
high-risk life insurance specialist.
probably applied with the wrong insurance company. MBE INSURANCE- POLICY FRAMEWORKS: If you are someone who is a drug abuser or alcohol abuser,
Since MBE Group is a company based in Canada, MBE
this is most likely that you will be declined. The most promi-
insurance works according to the Canadian rules. Hence,
nent reason for this are the risks associated, and these risks
similar procedures are followed that relate to Life Insurance
are risk of an accidental death. On a conditional basis some
and its risks.
companies can give the client an insurance offer. This is only if the client has stopped drug abuse since last 3 years and no
MBE Insurance also makes sure that their prospective clients
abuse of alcohol since the last 2 years.
are worthy enough according to the risk assessment procedures.
6. HAVING A CRIMINAL RECORD: To have a life insurance policy it is important to have a clear CRB i.e. Clearance from Criminal record bureau. Having a criminal record means that the client can be under life threat. The authority to have a life insurance policy is not safe and finally he is not fit to have a good character reference check that is a necessity. However, there are conditions which means when was the
W W W. M B E F O RYOU. C O M
MBE BUSINESS MAGAZINE APRIL / MAY 2020
53
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MBE BUSINESS MAGAZINE APRIL / MAY 2020
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Top 9 ‘SEM’ Tips For Small Business Owners
DIGITAL MEDIA MARKETING MB Enterprises
Small businesses especially online
invest and what sort of investments
procedures and will give you huge
businesses rely heavily on online
you are looking for is a necessity for
mental strength to fight your business
marketing tips and the reliance is
the sustainable part of your business.
challenges. ‘Marketing’ is a very
because of the amount of online
powerful tool and can be used
marketing these days. Every small
The vision needs to be clear not only
effectively for a successful business or
business is active in SEM marketing
due to the fact that the business is
a failed one. Similarly SEM or search
strategies for launching their products
relatively small and new but the
engine marketing holds importance for
online and marketing. What small
budget is also limited. The budget
online marketing strategies.
businesses needs to do for smart
must be figured out according to the
SEM strategies. Here are the nine tips
industry you are investing in, the
The planning of your objectives must
that are necessary;
target markets and the ROI or Return
be measurable with set time frames. It
on Investments it will give back.
is necessary to know your numbers
1. BE CLEAR ON EXPECTATIONS & BUDGET:
and adapt when necessary and
Having a clear insight on the expecta-
2. MEASURE EVERYTHING & REVIEW FREQUENT-
tions and budget is a necessity. As the
LY:
scale of the business is small and
Measuring everything and reviewing
3. BASE YOUR STRATEGY ON DATA, NOT A
requires investments in all business
what you are doing on a frequent
HUNCH:
segments. It is necessary indeed to
basis will make you a careful business
For every strategy if its business,
evaluate your business strategies.
owner. As part of the SEM strategies
corporate strategy or marketing
Having a clarity of your business
for business owners measured steps
strategy there should be an involve-
expectations, how much you need to
will improve the quality assurance
ment of data i.e. historical data or
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MBE BUSINESS MAGAZINE APRIL / MAY 2020
frequently.
W W W. M B E F O RYOU. C O M
stats. To know which strategy will be
engine marketing plan should be
specific in your SEM. Content is the
successful it is necessary that you test
unique and it should make you stand
key and as a business owner you
it and back it up with data. The testing
out from the crowd. You should know
have to make sure that the words you
is most important part of the strategy
what your competitors are good at and
are targeting are actually being
framework than comes the evaluation
how they can enable their targets with
searched on. After you have your
and finally you can let your customers
ease. As SEM is different from other
target words you should create
to tell you what works best. You will
marketing, strategies can change, but
content for each one specifically.
have a variety of business strategies
the goal must still be the same i.e.
available.
better customer understanding.
4. REMEMBER YOU ARE NOT THE CUSTOMER:
6. BUILDING A COHERENT STRATEGY:
focus on your Top ROI products and
Always think positive before your SEM
Defining your target audiences means
services. It’s all about brand stories
plan as thinking is good but thinking
you must be clear in making strategies
and emphasis of brands linked with
without evaluation can lead to losses.
for a certain target market. Identifica-
brand significance i.e.’ WHY YOUR
These are because of being a small
tion of your customer needs and what
BRAND?’ This sort of marketing
business owner the responsibilities
motivates them and knowing your
strategy will definitely make the
are highly scattered. You have to think
products. How the products can solve
customer think more about your brand
for the customer remembering that
your needs better than the competi-
and the ‘WHY’ element.
you are not the customer.
tion. It is necessary to give importance
8. PRACTICE 80/20 CONTENT MARKETING: 80/20 Content marketing will definitely
Your role should be to please the
to relevancy of keywords for SEM
9. USE KEYWORDS THAT SPEAK TO YOUR CLIENT
strategies.
PERSONA:
customer in every way. Keeping an
The personality of the client while
eye on ‘customer satisfaction’ while
For website optimization you have to
designing the key words is a specialty
making profitability is an approach of
think from the perspective of your
particularly in SEM. You have to ask
smart business owners.
customers, i.e. how they would be
yourself some basic questions e.g.
thinking when searching for your
WHO are THEY and WHAT Do THEY
products.
NEED TO HEAR? This sort of
5. UNDERSTAND THE COMPETITION: Understand your competition and your
marketing is hugely popular as known
competitors in a completely different
7. WRITING CONTENT FOR THE RIGHT
as customized SEO marketing. The
way. Having a competitor’s strategy
KEYWORDS:
client is the key focus while develop-
will always align your goals and
Writing the right content for the
ing a winning strategy.
broaden your horizons. Your search
keywords means you are more
W W W. M B E F O RYOU. C O M
MBE BUSINESS MAGAZINE APRIL / MAY 2020
57
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W W W. M B E F O RYOU. C O M
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MBE BUSINESS MAGAZINE APRIL / MAY 2020
59
CANADA’S OBESITY: A CHRONIC DISEASE
Instead Of A Lifestyle Issue DIGITAL MEDIA MARKETING MB Enterprises
Obesity is a big issue especially faced in the North American
diabetes awareness on a global level, heart diseases and
region due to the obese environments, fatty foods, busy & fast
other obesity related diseases and illnesses. The motive of
routines and uncontrolled diets. In Canada it has been seen
the study ACTION similar to its name significance means
as an alarming indicator for future health issues, problems
taking immediate actions for health issues, getting remedies
that relates to being overweight and lack of maintenance of a
for obesity problems and finally the best treatments and
proper lifestyle. However, most health and fitness researchers
diagnosis. Once people are self-motivated, they can easily
and diet experts believe that it’s a chronic disease instead of
encounter their obesity problems with a deeper understand-
being a lifestyle issue.
ings of their lifestyle. Why lifestyle matters? A very common question amongst people living in an obese environment. It
According to a survey conducted in Canada, more than
relates to everyday eating habits, regular exercising i.e. gym
one-quarter of Canadians are obese. It’s because of their
activity or increasing the fitness levels. A busy lifestyle at work
eating and dining habits, and furthermore, obesity is consid-
means obesity can come because of eating habits and can
ered as a complex, multifactorial and a progressive chronic
be controlled through regular exercises, walking and medita-
disease. A huge amount i.e. 63% also believes that people
tion activity.
with obesity issues can manage their weights through their mindset and regular mental and physical exertions.
A NEED FOR GREATER EMPLOYER SUPPORT: Employers in Canada need to treat obesity as a chronic
Motivation is the key in reducing the levels of obesity and how
disease and move it out of the lifestyle category. A report
fast can an obese person get closer to his/her original fitness
based on a survey of 2000 people with obesity, 395
levels. A huge 72% of health care providers believe that
health-care providers and 150 employers. Hence, the thing
people with obesity are not motivated enough to manage
that is highly needed is an access to other treatment options
their own weights. However this report was conducted by
i.e. for effective weight management, e.g. paying for the
ACTION i.e. Awareness, Care, and Treatment in Obesity
medications, and additionally paying for psychology for obese
Management Study. The motive of this study is to create
people, research, support and health-care, and diet care
awareness on a global scale, treatments and a complete
specialists.
management of Obesity with timelines. In the first and foremost instance moving it to the category of HOW MOTIVATION CAN CREATE SELF-AWARENESS:
chronic diseases will definitely have a psychological impact
‘Motivation’, a word very commonly and significantly used in
on the mentality of most obese people. Hence, that will
creating self-awareness in weight loss treatments. Either you
definitely help them in breaking any mental barriers and
can motivate yourself or an awareness can be created
effectively using the employer’s support in combatting issues
through awareness programs similar to that of the study
of obesity.
called ‘ACTION’. Preference in walking to their workplaces, cycling or immediThis is through specialists that are linked with creating
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MBE BUSINESS MAGAZINE APRIL / MAY 2020
ately going for an exercise from their workplace. A greater
W W W. M B E F O RYOU. C O M
employer support will also help in creating an environment of
later. Similar BMI Checks are also done by practitioners and
change for the employees, and convincing them mentally that
health-care providers to turn to weight loss solutions for their
fitness levels will make them more happy and motivated at
customers.
the workplace. Many health-care providers strongly recommend that diet and Another survey shows that a huge 77% say that their
exercise is the best treatment with quick results. Good
wellness programs contribute to a successful weight manage-
motivational books on the subject of weight reduction through
ment. This is a sharp contrast to the perspective of people
diet are the ones that shall influence the readers in being
with obesity i.e. 32%.
smart weight watchers.
AN INDIVIDUAL’S RESPONSIBILITY FOR A HEALTHY LIFESTYLE:
Exercise acts like the best medicine in reducing the weight
The responsibility of an individual in this regards is collective-
levels and acting smart accordingly to the demands of the
ly more important than the employer’s support regards to
society. Very few people think that medication works best in
their weight management program. ‘Weight management’ is
reducing the weight for obese people. However, there are
part of a healthy life style and awakening of smart measures
more people who think that exercise and a healthy diet is an
while working 9-5 or working for your own business.
essential aspect in attaining best and longer results. Fitness is not only a personal responsibility, it should be a collective
An individual’s responsibility must strictly adhere to their BMI
responsibility for a better & prospective tomorrow.
i.e. Body Mass Index checks at a regular basis to make sure that they get into the ideal weight category sooner rather than
W W W. M B E F O RYOU. C O M
MBE BUSINESS MAGAZINE APRIL / MAY 2020
61
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MBE BUSINESS MAGAZINE APRIL / MAY 2020
63
VICTORIA DAY – CANADA & THE LIFE OF QUEEN VICTORIA DIGITAL MEDIA MARKETING MB Enterprises The Victoria Day shall be celebrated
‘VICTORIA DAY’ & ITS SIGNIFICANCE TO
Capital city is associated in Canada
in Canada as an official holiday on
CANADA:
from Queen Victoria. The City
the 18th of May 2020. It is a day
Queen Victoria was officially the first
‘Regina’, i.e. the Capital of Canadian
celebrated on the birthday of Queen
Queen of Canada who was on the
province Saskatchewan. ‘Regina’ is a
Victoria who ruled United Kingdom
throne when Canada was founded
Latin word meaning: ‘The Queen.’
and the British Empire from
i.e. 1867. Victoria Day is a Canadian
1837-1901.
traditional day and doesn’t exist in
EARLY LIFE, MARRIAGE & THE THRONE:
most of England. However, it is
Known by the nickname as Drina
Her reign of 63 years is marked as
celebrated in parts of Scotland
when she was actually a little girl and
the longest by any monarch when the
especially in the capital city Edinburg
she could only speak German until
record was broken by Queen
and is known as the Official Holiday.
age 3.
Elizabeth II in September 2015.
This is a legal Canadian official day
The British Monarch kept her seat on
means the day is also observed in
The Queen in 1840 i.e. at the age of
Quebec.
16 married Prince Albert in a family
the throne for approximately 63 Years,
affair. The prince was her first cousin
216 days. She was born in 1819 and
However, the idea of how to honor a
i.e. the father of Prince Albert was
Canada has been celebrating this
British monarch doesn’t apply to the
actually her mother’s brother &
arrival of Queen Victoria in the world
province Le-Belle where the day is
belonged from Saxe-Coburg and
since the holiday was declared in the
less significant and known by another
Gotha.
country in the year 1845. Also,
name. Similarly in 2003 the day was
became a legal off day i.e. an official
renamed as National Patriots Day in
‘The Queen’ officially took over the
holiday after the death of the
Quebec i.e. ignoring the Queen
throne in 1837 and it happened after
Monarch in 1901. The times of the
reference.
the death of William IV. The age of
rule of Queen Victoria marked with
the Royal Queen was just 18 years
many historical events and up’s and
The Capital City of province British
old. She was known as a strong and
downs and is known as the ‘Victorian
Columbia, Victoria is yet another
imposing figure as has been
Era.’
significance that relates to Canada
portrayed historically.
from the Royal monarch. Another
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MBE BUSINESS MAGAZINE APRIL / MAY 2020
W W W. M B E F O RYOU. C O M
Since the death of Prince Albert i.e. the husband of Queen Victoria in Dec 1861, the Queen has been portrayed by many actresses in films and theatre as wearing black outfits which displays the state of mourning and shock she had been into after Prince Albert’s death. ASSASINATION ATTEMPTS ON THE LIFE OF QUEEN VICTORIA: A personality who witnessed 6 assassination attempts. The first attempt happened in the year 1840 by an 18 year old whose name was Edward Oxford and happened in London. Two years later another attempt on the life of Queen, when a man named John Francis fired a gun at the carriage but missed. Just about after two months another attempt happened i.e. the third attempt. John William Bean actually fired an ammo that was made from tobacco and paper and was fired on Queen Victoria, however she survived. The fourth attempt happened in 1849 when William Hamilton, an angry Irishman fired a pistol at her carriage. Victoria was living close and living proof of the fact that if you stay around in politics long enough, you are bound to make many enemies. In 1850, happened for the fifth time i.e. the Fifth attempt when an ex-army officer hit her with his cane, his name in history books is Robert Pate. Lastly, and incredibly the 6th attempt happened in 1882, the name was Robert Mclean who tried to kill her but his bullet missed her fortunately. FROM QUEEN TO MOTHER AND GRANDMOTHER: Everything happened at a fast pace in the life of Queen Victoria similarly she became grandmother at a very young age i.e. 39 years old and a great grandmother 20 years later i.e. at the age of 59. She was not only the Queen of England and British monarchies, she was also a mother of 9 children. She suffered a major drawback of living a long life, and it was tragic of her to have outlived three of her children. A FAMOUS PERSONALITY IN BRITISH HISTORY: According to a BBC Poll, Queen Victoria was named the 18th Briton in a BBC Poll in 2002. Winston Churchill former Prime Minister of Britain during World War II took the number 1 position. Princess Diana was number 3, William Shakespeare #5, John Lennon #8 and Queen Victoria was followed on the list by Paul McCartney. She also became the only British Monarch in the modern music history whose name was honored.
W W W. M B E F O RYOU. C O M
MBE BUSINESS MAGAZINE APRIL / MAY 2020
65
Forests Sustenance & Collective Action with World Economic Forum
DIGITAL MEDIA MARKETING MB Enterprises Forests accounts for a huge part of our environment i.e.
The forest management is highly committed in developing a
approximately 30% and there holds an intense need for
range of technologies that are intensely needed in this
collective action towards forests sustainability. It is valuable in
modern era. These technologies are now highly enhanced
terms of the ecology, the geographical aspects & the wild life
and committed in combatting issues related to supply chain.
sustainability. With collective action this trend can be reversed
The ‘Radar Monitoring’ a modern part of the technological
as part of the ecological aspects. There needs to be immense
advancements is highly enhanced and holds huge success
awareness action towards the sustainability of forest
levels for forest sustainability aspects. Motive is safety of
reserves.
humans from the Wild life activity and making business operations easy and secure.
The organization ‘WEF’ has played its agenda in the form of awareness measurements. There have been campaigns and
The use of technology has been highly significant in combat-
meetings as it has been the role of WEF since 1971.
ting issues of deforestation as well i.e. another climatic hazard. ‘We NEED Forests’, is the new slogan of ‘WEF’
Supporting the livelihood of many people, as according to the
demanding significant changes in the environmental sustain-
stats from World Economic Forum the count is close to
ability. Technology has helped companies especially the Palm
approximately 1.6 billion people.
oil and consumer goods firms in the projects. The companies are Bunge, Cargill, Golden Agri-Resources, Mondelez, Musim
THE ROLE LATEST TECHNOLOGY IS PLAYING FOR DEFORESTATION:
Mas Group, Nestle, PepsiCo, Sime Darby Plantation, Unilever
The role technology is playing is regards to the safety
and Wilmar. All companies are the consumers of Palm oil i.e.
measurements from Wildlife attacks, monitoring the forests
a national reserve in the forestry ecology system.
according to the international monitoring laws, deforestation and creating a change environment regards to safety
THE CHALLENGES FACED TO COMBAT DEFORESTATION:
especially for those working in the forests e.g. forest officers.
The last decade has been challenging, however, companies
Higher resolution images are used for monitoring initiatives
have tried best to limit the use of deforestation in recent
covering a wide area of activity and penetrating cloud cover.
years. However, there are still companies because of whom
The data in form of pictures and other stats can be seen
deforestation numbers still exists. There have been significant
publicly through online monitoring service Global Forest
measures by leading brands e.g. Nestle, Mars, Unilever, and
Watch. The role of technology holds huge significance
Wilmar. There have been substantial efforts that have seen
regards to;
the removal of deforestation from these companies Supply chain. The efforts are huge especially as part of the environ-
1. Monitoring Wild life movements
mental sustainability and monitoring the activities of deforesta-
2. Safety & Security
tion.
3. For the sake of forest management & workers e.g. Forest Officers.
The importance of government action with regards to these
4. Addressing the supply chain activities from forests to the
activities is paramount especially in areas where forests are
cities.
found with abundance.
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EXPANSION STRATEGIES TO SAVE FORESTS:
exciting group activities, cultural values and a huge source of
Why it is necessary to increase and expand forests and save
the scientific knowledge for experts, scientists and botanists.
the natural reserves? Forests have been constantly since ages removing carbon dioxide from atmosphere and storing
The value of a standing forests shouldn’t be on the basis of
carbon for nearly more than 300 million years. By cutting
an economic growth-oriented business, but on a simple
down and burning trees the forest soils gets disturbed
ecological basis. Giving huge importance to ecology and the
releasing huge amounts of carbon emissions into the
multiple ecosystem linked to a single forest. A huge science is
atmosphere. It is since the industrial revolution that most
involved behind the forestry and efforts that are made for
carbon emissions in the atmosphere are due to ‘deforesta-
preserving the natural habitat.
tion’. Hence, the expansion strategy for forests is needed to save forests by increasing the amount of forests in the world.
COMBINED EFFORTS WITH THE ‘WORLD ECONOMIC FORUM’:
The need is climate change and the key to our climate
The agenda of ‘WEF’ is not just about companies making
strategy.
money. It’s also about the consumption of raw material from the forest with a true vision for change. The 'WEF' has also
An expansion strategy aims to save the forests through
linked up its activities with the media at the national and
campaigns, NGOs and international forest organizations
international level. The aim of the organization has been due
activities. The role of media and channels in here means a
to the immense rise of a global need. This need has been
huge acknowledgement to forestry.
since a decade to combat increasing issues of deforestation internationally.
BENEFITS OF STANDING FORESTS TO THE ECOSYSTEM: There is immense value of a standing forest as they play a significant role in prevention of climatic hazards like flooding. They also helps in the provision of natural filtration for drinking water, support to wildlife and balancing the temperatures in winters and summers as well. Also are a source of
W W W. M B E F O RYOU. C O M
MBE BUSINESS MAGAZINE APRIL / MAY 2020
67
A Mega Rise For Canada’s International Students in 2019
DIGITAL MEDIA MARKETING MB Enterprises Canada, a highly rich and developed country of the North
‘TOP-10’ INT. STUDENTS- THE SOURCE COUNTRIES ‘2019’:
American region has increased in ranks for international
India remains on the Top list of Int. students coming to
students in comparison to their previous figures. The numbers
Canada, as there are many Indians that are settled in
are remarkable and are from a list of countries all over the
Canada since a long time. Amongst the migrants are Indians
globe. Results has been immensely inspiring that Canada
that are well settled in Canada, doing their businesses in
has moved to number 4 as the most favorable place to study
different fields, and working in various sectors for the Canadi-
after the US, U.K and Australia. This has been primarily due
an economy. Some prominent Indians are also there in
to the standards of Canadian education, research, and a
politics in Canada making it a nation with diverse nationali-
better infrastructure than before.
ties.
A high tech academic environment with the involvement of
According to the stats from IRCC the numbers are incredibly
latest technology and infrastructure. The Top Universities in
huge i.e. 35% of the total population coming to Canada in
Canada includes University of Toronto, McGill University,
2019.
University of British Columbia, McMaster University, University of Alberta, University of Waterloo, University of Calgary,
These demographics in favor of the Indians shows the
and University of Montreal as the Top Canadian Universities
strength of Indian communities residing and very well settled
in 2019-20.
in Canada. The next in the list are Chinese with 85,000 student visa entries in 2019. This is lesser in amount and
Stats has shown that most students are arriving from India,
percentage to India i.e. 21%. After India and China, the third
China, South Korea, France, Vietnam, Brazil, Iran, Nigeria,
in the list of most students coming to Canada are from South
the United States, and Japan. Another breakthrough year for
Korea i.e. 4% (17,000 study permit). The other countries in
Canada for Int. student’s recruitments as the country has
the Top 10 list but with far lesser study permits are France,
approved 404,000 new study permits from figures of last year
Vietnam, Brazil, Iran, Nigeria, the USA, and Japan.
i.e. 2019. A significant improvement since the last year, showing huge progress by 2020. A study permit is an official
WHY INTERNATIONAL STUDENTS ARE COMING TO CANADA?
document that is issued by the Immigration, Refugees and
Canada the second biggest country in the world is 4th largest
Citizenship Canada (IRCC) that allows the foreign nationals
international student population in the world behind the
entry into Canada and studying and working under the rules
United States, the United Kingdom, and Australia. This has
set by the country and those applicable in the universities.
increased since last few decades because of improved educational standards and the inclination of international
The freshly released study permit approval data strongly
students because of higher work standards as well.
suggests that the population has now exceeded 600,000 and it’s an incredible amount as compared to 2009 figures
A research was conducted by Canadian Bureau for Int.
200,000, i.e. almost triple. Why Canada is increasing in
education, the international students are attracted to Canada
numbers and ranks for international students? An answer
and the main reason behind this is proved quality standards
everyone is looking for.
by Canadian Universities and colleges.
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MBE BUSINESS MAGAZINE APRIL / MAY 2020
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Canada now enjoys the reputation of being an open and a
Hence, after the three years Post-Graduation period the
welcoming society for people from all across the world
candidates who initially came on student visa can apply in 80
entering its borders. The currency value is yet another factor.
economic class immigration programs. These programs are
Hence, the expenses that are incurred in Canada i.e. living
offered by the federal govt. as well as provinces and territo-
and food are affordable in comparison to that in other top
ries. All programs have a different nature and many of them
destinations. The international students also pay higher tuition
give preference to the former international students in their
fees than the Canadian students, therefore, making education
selection criteria. The research has also shown that the
more approachable and affordable for international students.
former international students have higher integrations and adaptability into the Canadian economy.
A research has also shown that Canada’s biggest advantage is the study-work-immigrate package. The international
In the upcoming years as the Global population for Canadi-
students in Canada have more eligibility to work as compared
ans students have increased it seems that Canada is
to other top destinations and this is an advantage for the
becoming a highly attractive study spot for students. It is also
economy.
expected that the intake of int. students will experience solid gains in the upcoming years.
International students as soon as they complete their education can obtain a Post-Graduation Work Permit. This helps the students in gaining more Canadian work experience and then they can also decide which category they can move into. The Post-Graduation period lasts for three years, and this gives ample time to students to have a placement in their respectable profession.
W W W. M B E F O RYOU. C O M
MBE BUSINESS MAGAZINE APRIL / MAY 2020
69
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