ISSUE 45 | AUGUST / SEPTEMBER 2018
M VING TO CANADA? PROFILE
NASIRA RAZVI Barrister & Solicitor Pg 12 "CANADIAN EXPERIENCE" FOR IMMIGRANTS AND NEWCOMERS
PG. 44
joint venture
FINTECH SELECT AND RMA CANADA PG. 47
THIS MONTH FOCUSING ON: Does Your Company Have A Wage Gap Problem
Exprerience Management Software
No Face Time? No Problem!
The Best Technology For Remote Interviews
CONTENTS 06
For Success Always...
08
Face The Challenges
10
Holidays Are Necessary...
12
Nasira Razvi Profile
14
Artificial Intelligence Or?
18
Total Data Protection...
19
How To Offer Employee...
At some point of our lives we have to decide where we stand... Every person in their life at one point or the other faces challenges. You are working continuously year to year and only think about work... Barrister & Solicitor
As we build a technical understanding of AI, we should reference some...
20
Event Calendar August September Events and Holidays In Canada
22
Free Guest Wifi In-Store...
24
What 4 Theft Coverages Help...
26
Need New Customers?
From coffee shops to shopping malls to restaurants and more... It's a business owner's worst nightmare.
If you are tired of loosing sales to competitors, we have a proven, cost-effective system...
It turns out that Total Data Protection solutions have a "side effect"... Employee health benefit for $30 / month...
30
28
4 Common Supply Chain Cost Increase Whatever your supply chain role might be, monitoring and controlling costs is almost...
Tony Elenis
President & CEO ORHMA Biography
32
5 Videos Apps... In the early days of social media, it was enough to post regularly...
EDITOR'S LETTER Welcome to our August & September issue! The main highlight of this issue is an exclusive interview of Tony Elenis, President of ORHMA (Ontario Restaurant, Hotel and Motel Association). Other noteworthy inclusions of this issue are an article by Federated Insurance that sheds light on theft coverage programs that can help prevent financial loss for business owners and an article by Northern Financial Group on how you can provide health insurance to your employees for as low as $30/month. Continuing with tradition we have included the event calendar showcasing all major holidays and events set to be celebrated across Canada in August & September 2018. We have also included the latest and most relevant business news coverage from across the world. As always we hope this issue will be an informative and entertaining experience for all 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 Thank you, Aurora Zabala, Editor In Chief.
Publisher MB Enterprises Editor-in-chief Aurora Zabala Senior Editor Peter Z. Vaisey Managing Editors Steve Montgomery Mahmood Naqvi Design Cynthia Tolson A. Khan S. Saad Production, Technology & Print Simon Wilson R.J Advertising S. Hassan Shoeib Kamal Administration Alamdar Hussein Erum Asghar R. Adil HOW TO REACH US Website: www.mbeforyou.com Feed-back: 1-866-667-1377 E-mail: info@mbeforyou.com Mail: 100 Dynamic Drive, Unit 104, Scarborough, ON, M1V 5C4. Fax: 1-866-204-6888 MBE Business Magazine is a monthly issue business magazine published by MBE. Inc. Ontario, Canada. Printed by Vision Printers 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
For Success, Always Surround Yourself with the Syed mANSOOR Naqvi Right People President | MB Enterprises
DON'T
STOP WHEN YOU'RE
TIRED STOP WHEN YOU ARE
DONE...
At some point of our lives we have to
direction we have to go to achieve
decide where we stand and who we
success. If we ourselves do not
are. For example if we compare
know what our goals are and what
ourselves to a train, we have to decide
we are trying to achieve, we will not
whether we are the engine that runs
only fail but will also let down the
the show, or just a carriage. If we are
ones around us.
the engine then we have to surround
can be found in the old tale of Shaikh Sadi. Shaikh Sadi was once walking
ourselves with the right people if we
Along the journey towards success we
on the road bare foot and was in a lot
want to run the show properly.
have to continuously be thankful for
of pain and was upset that he didn’t
what we have and have to work with
have any shoes. At this exact time
If we want to be the engine that drives
what we have in order to achieve
Shaikh Sadi saw a man without legs
the entire train we have to know what
success. One good example of this
and realized that he needed to thank
06
MBE BUSINESS MAGAZINE AUGUST / SEPTEMBER 2018
W W W. M B E F O RYOU. C O M
IN MY 22 YEARS IN CANADA I HAVE MET THOUSANDS OF PEOPLE AND EVERY TIME YOU MEET SOMEONE, THEY LEAVE SOME IMPACT ON YOU AND YOU CAN LEARN SOMETHING POSITIVE FROM THEM. SUCCESS IS NOT SOMETHING THAT YOU CAN ACHIEVE IN ONE DAY. IT IS A LONG JOURNEY AND ALONG THE WAY, IF YOU MEET THE RIGHT PEOPLE THEN THIS JOURNEY CAN BECOME EASIER AND CAN LEAD TO GREAT SUCCESS.
God for having legs and that he could
same people will help us in the
live without shoes and needed to be
journey towards success. Sometimes
thankful for what he had, not complain
it is possible to achieve a goal alone
about what he didn’t have.
but with the right people it will always become easier.
Along with being thankful for what we have we also need to be respectful
These same people might sometimes
and appreciate the people we have
let you down and make you angry but
around us. We have to respect
you have to learn to forgive these
everyone around us even if they are
people and move forward.
weaker or stronger. This will help manage people and in turn these
W W W. M B E F O RYOU. C O M
07
MBE BUSINESS MAGAZINE AUGUST / SEPTEMBER 2018
Face the Challenges Syed Mahmood Naqvi Vice President | MB Enterprises
Every person in their life at one point
you and not want to be around you.
you will find yourself facing problems
or the other faces challenges. Lots of
The first thing you want to do when
and challenges. Find friends or family
people get flustered and worked up
faced with a personal challenge is not
to work together with to drive your life
and avoid the challenges that come
to start pointing fingers at others.
forward. Get in a mastermind group
up in life. The sooner you take up the
Take the responsibility upon yourself
or get an accountability buddy that
challenge, the quicker it stops being a
to face your own problems and that
you check in with every single day to
problem.
will be the only way to truly overcome
monitor your progress. If you have
the challenges of life.
good team and good friends you
In my own personal experience I feel
can face challenges with a strongďż˝
as if challenges help a human being
When you think too much about a
grow. Every challenge that you face
situation or event that occurred, you
and overcome helps you become a
will start to judge everything and
Life is full of challenges. Some
stronger smarter person and is an
everyone. When you think too much
people seem to meet every challenge
opportunity to grow overall.
you will have a very tough time
with confidence and these are
accepting reality and you will think
usually the people that are success-
Many people make a habit of blaming
that something is not right. Overana-
ful in the long run. If you make a
others for all their problems. They fail
lyzing can also cause you to not take
practice of facing your challeng-
to take full responsibility for the
action on your goal, which can make
es—even in failure—with full
decisions they have made in their
you really frustrated in the long run.
presence and awareness, you will
lives. The more you blame others with
08
er and more positive attitude.
find most challenges are not challeng-
the challenges you are faced with,
Success is a team sport and the
the more you will make people dislike
more you try to work towards it alone,
MBE BUSINESS MAGAZINE AUGUST / SEPTEMBER 2018
es at all and are just a part of life.
W W W. M B E F O RYOU. C O M
MAKE A DIFFERENCE WITH MBE ACCOUNTING
CORPORATE TAX RETURN
as low as $150
CONTACT OUR
PERSONAL TAX RETURN
TA X D O C T O R
as low as $20
Yo u r o n e - s t o p s o l u t i o n f o r a l l y o u r A c c o u n t i n g Ta x a t i o n and Financial Needs
Our Services
Bookkeeping PTR Service Payroll Service Finance Accounting & Taxation Audit & Assurance All Government Remittances Filed HST, WSIB & Payroll Deductions Guaranteed Tax Solution To Provide You Maximum Refund Financial Forecast & Budgeting Entrepreneur & Investment Consulting 104-100 Dynamic Drive, Toronto, ON M1V 5C4
1-866-667-1377
info@mbaccounting.ca
(866) 204-6888
W W W. M B E F O RYOU. C O M
www.mbaccounting.ca
MBE BUSINESS MAGAZINE AUGUST / SEPTEMBER 2018
09
Holidays are necessary to live Longer alamdar hussain
Country Head | MB Enterprises
YOU ARE WORKING CONTINUOUSLY YEAR TO YEAR AND ONLY THINK ABOUT WORK EVERY TIME AND YOU NEVER TAKE A BREAK, IT’S CERTAINLY NOT THE HEALTHIEST WAY TO WORK! Here are five simple reasons why you
time makes you feel valued
need to give yourself a break and go
Work becomes more of a collabora-
on a vacation, or at least take the day
tive effort when every employee is
off:
prepared to take on the roles of
1. Your stress will dramatically reduce.
those who are not in the office. This act of karma is balanced when those roles are reversed and it's another
Taking a break for a day or more will
employee's turn to take some
help give your perspective on the role
vacation time. When an employer
of your job within your life. Staying
instills a policy that makes the
aware of this viewpoint on your
employees feel valued, that policy is
work/life balance when you return to
honored instead of abused.
work helps you maintain composure, decreasing the effects of stress and likeliness of burnout.
2. Your concentration at work will improve.
4. You're reminded that family time is important. Dealing with your partner and/or children after a hard day's work can be exhausting. But when you take
higher risk of death and were 32% more
Taking a vacation improves your
time away from the grind you're given
likely to die of a heart attack.
effectiveness and concentration
back that important time to bond,
Giving yourself some time away from
throughout the rest of the year. When
relax and grow as a family. Just make
your job means you're practicing
you take time to unwind from your
sure you plan a vacation where it's
self-care, leading you toward greater
everyday stresses, you'll return to
easy for everyone to enjoy
happiness, health and prosperity in the
your job with more confidence and
themselves!
workplace and beyond.
ready to face your work-related challenges with a clearer, cooler head.
3. You'll find an increase in your overall job satisfaction.
5. Your health will improve. Taking a vacation is good for your health. Those who take less than one vacation every two years are more likely to suffer from depression and
Knowing that your employer appreci-
burnout. Moreover, those who fail to
ates the importance of your personal
take annual vacations have a 21%
10
MBE BUSINESS MAGAZINE AUGUST / SEPTEMBER 2018
W W W. M B E F O RYOU. C O M
MBE
inc.
YOUR SUCCESS IS OUR PASSION
INCREASE FOOT TRAFFIC
MAKE YOUR
BUSINESS LOOK MORE APPEALING ADD A FREE ATM!
TO YOUR BUSINESS WHILE GENERATING EXTRA INCOME FLOW
W W W. M B E F O R YO U . CO M
EARN EXTRA
MOBILE ATMS
EARNINGS
Income with our selfserve cash load program
Available for Mega Events
With both programs, you earn a percentage of the surcharge profits from the machine, which are paid to you on the 20th of every month.
CALL US TO LEARN MORE ABOUT
PARTIAL PLACEMENT
FULL PLACEMENT
With this program, we take care of With this program, you just need to keep the ATM machine supplied with everything for you including cash management. You never have to cash. Any money that customers withdraw is automatically redeposited worry about anything related to the into your bank account every 24 hours. ATM.
ISO PROGRAM If you are an Independent Sales Organization, we can offer fully serviced ATMs for your client-base with a commission sharing agreement.
1-866-667-1377 104-100 Dynamic Drive, Toronto ON M1V 5C4 1-866-204-6888 info@mbeforyou.com W W W. M B E F O RYOU. C O M
MBE BUSINESS MAGAZINE AUGUST / SEPTEMBER 2018
11
NASIRA RAZVI Barrister & Solicitor IMMIGRATION AND REFUGEE LAW
Applications under various programs,
Barrister Nasira has several years of
compassionate grounds.
experience in Canadian immigration law representing clients in a wide range of immigration matters including immigration through Investor and Business / entrepreneur stream under Provincial Nominee Programs (Provincial Nominations); Skilled Worker Applications, Refugee Claims; Pre-Removal Risk Assessments, deferral requests to Canada Border; Criminal Rehabilitation, Temporary Resident Permits, Study Permits, Work Permit application; as well as Permanent Residence
12
MBE BUSINESS MAGAZINE AUGUST / SEPTEMBER 2018
including on humanitarian and
Nasira has represented clients before all three of the Divisions of the Immigration and Refugee Board in various matters including refugee hearings, sponsorship appeals, removal order appeals, residency obligation appeals, detention reviews, admissibility hearings and Alternative
FAMILY LAW We have vast experience in family law areas such as separation, divorce, separation agreements, child custody and access, child support, spousal support, property issues, dealing with Family responsibility office and litigation in family court. Nasira has represented clients before Superior Court of Justice and Ontario Court of Justice in family litigation.
Federal Court of Canada in Applica-
TAX DISPUTES WITH CRA AND/OR APPEALS BEFORE TAX COURT
tions for Judicial Review and Stay
Assist businesses and or individuals
Motions.
with their significant tax disputes with
Dispute Resolution conferences. Nasira also appears before the
W W W. M B E F O RYOU. C O M
such as theft and assault especially in domestic setting. She also conducts bail hearings and bail reviews.
CIVIL & COMMERCIAL LITIGATION We regularly appear at all levels of the Ontario and Federal Courts on motions, at trials or on appeals. In addition to representing clients before the courts, we also represent clients before all matters of administrative tribunals, agencies and commissions at both the Provincial and Federal level. Advice and represent clients, whether by way of negotiation, civil proceedings, alternative dispute resolution, mediation or arbitration, in all aspects of corporate and commercial activities, including contractual disputes, fraud, misrepresentation, breach of contract, regulatory proceedings and criminal or quasi-criminal charges. Barrister Nasira Razvi is a member of the Law Society of Ontario. She completed her law education at University of Toronto Law School and NCA. She also holds Master of Laws (LL.M.) degree from the George Washington University Law School, USA. Before starting her private practice, she worked with the Federal governments across Canada,
Department of Justice Canada.
including Appeals against CRA assessments. Nasira appears before
Ms. Razvi practices primarily in the
the Tax Court of Canada representing
area of Canadian Immigration,
clients in appeals governed under
Citizenship and Refugee protection,
both, General and Informal procedure,
providing full range of Canadian
on matters arising under the Income
immigration services to local and
Tax Act, the Employment Insurance
foreign individuals, small enterprises
Act and the Excise Tax Act (GST).
and multinationals alike. Her team
CRIMINAL DEFENCE
Services provided: • Express Entry | Permanent Residence Canada • Federal Skilled Worker Program • Federal Skilled Trade Programs • Canadian Experience Class • Provincial Nominee Programs for overseas skilled workers and professionals • Provincial Immigration programs for Business Investors, Entrepreneurs, and Farmers • Work Permit Canada | LMIAs • LMIA exempt Work Permits • Work Permit Options for IT Professionals • Study Permits Canada • Spousal Sponsorship Canada • Visitor Visa Canada • Super Visas Canada • Parental Sponsorship Canada • International Experience Class • H & C applications • Care giver program • Claiming Refugee Protection • Immigration Appeals and Judicial Reviews in relevant tribunal or court (IAD, RPD and Federal Court) • Citizenship applications • Citizenship refusals • Family Class sponsorship • Inadmissibility reports and hearings and much more…
Contact: Address: 103 – 100 Dynamic Drive, Toronto, ON M1V 5C4 Tel: 647-393-1933 Fax: 647-476-4830 Email: RAZVILAW@HOTMAIL.COM INFO@RAZVILAW.COM
takes on the complete preparation of applications and provides experi-
Practice includes defending people
enced, expert advice at every stage
charged with criminal offences,
throughout the process.
including charges under the Controlled Drugs and Substances Act, and the Criminal Code of Canada
W W W. M B E F O RYOU. C O M
MBE BUSINESS MAGAZINE AUGUST / SEPTEMBER 2018
13
AI: Artificial Intelligence, Or? Part 2 of 3 David Ralph Mackereth dmackereth@canimac.com
As we build a technical understanding of AI, we should
is.” Mephistopheles considered Faust a likely victim, for Faust
reference some highlights from quantum physics. It was
was trying to obtain the unobtainable. (1) In Feynman’s
previously a given that the Speed of Light is a constant
‘Sum-Over-Paths’ we have particles traveling between two
representing the maximum velocity in the universe. Having
points through an infinite number of pathways, and we
Admitted Inaccuracies, we now discover events such as
observe from reading Howard Zinn’s ‘A People’s History of the
entanglement (with its instantaneous speed over any possible
United States’, there are many possible ways of witnessing
distance), and galaxies receding faster than the speed of
human history, producing Astounding Illusions within science
light. We continue to struggle with the conceivable concepts
and the past.
of both dark energy and dark matter. Future discoveries might expose that we understand less than the approximately
According to some AI experts, computing power is the All
4 % of the known universe which we currently believe we
Important contributor to the ultimate goal of AI: conquering
apprehend. As a Discover article, by Christopher J. Conselice
the universe! Kurzweil points out, “Biological human thinking
(May 2018) reports, “When we count the galaxies throughout
is limited to 1016 calculations per second (cps) per human
the whole history of the universe, we arrive at a total of 2
brain (based on neuromorphic modeling of the brain regions)
trillion. That is a factor of 10 higher than we previously
and about 1026 cps for all human brains. Once we achieve
thought.” Remember, at one time the Ancient Greeks thought
an optimal computational efficiency, the only way to increase
they understood the entire universe, with their Abstract
the computational power of a computer would be to increase
Infinities.
its mass. If we increase the mass enough its gravitational force becomes strong enough to cause it to collapse into a
The neuron, contrary to all current scientific understanding,
black hole. So a black hole can be regarded as the ultimate
wasn’t the essential or first cause of the human thought
computer.” (6) Which resembles an Actually Inconceivable
process.” Tom Rosamila, Senior VP of IBM System states,
possibility; however, I cannot wait to access my black hole
“There are many problems that will never be penetrated by a
computer…Whoops, I am disappearing! With quantum
classical computer. To create knowledge from much greater
computing, a qubit is the smallest unit of information and
depths of complexity, we need a quantum computer.”, as we
unlike classical systems, which are in one of two possible
attempt to control the Allusive Internet of Things. Borges
states labelled 1 and 0, a qubit exists in a superposition of
adds, “It is clear that there is no classification of the universe
these two states, settling on one or the other only when a
that is not arbitrary and full of conjectures. The reason for this
measurement is made. A recent article by Lev Grossman and
is very simple: we do not know what kind of thing the universe
Jay Newton-Small in a Time Special Edition on Cybersecurity
indicates, “19 terabytes, The Web we know, and 7,500 terabytes everything else.” This tiny sliver of the web that is publicly accessible (0.25%) is Amazingly Infinitesimal when compared to the small 4 percent of the universe we presume to understand.
Through a maze of error and ignorance. And all this misery goes to show There’s nothing we can ever know.
14
MBE BUSINESS MAGAZINE AUGUST / SEPTEMBER 2018
W W W. M B E F O RYOU. C O M
The AI Team wants to create as much cps as possible, be it
a submarine can swim, according to Edsger W. Dijkstra.
by humans or machines. The resulting AI devices would
Humans 1.0 and 2.0 would be left with Academic Imposters
replace most of the human routine tasks, and ultimately,
working with Algorithmic Impotence to produce Artistic
humans. In an AI-dominated future, our 7.5 billion individual-
Insanity.
ly-developed algorithms would be reduced to two or three
(1) Masterpieces of World Literature, Frank N. Magill, Editor
humanoid algorithms, maybe even ONE, making humans
(3) Why I’m Leaving Facebook, by Loreena McKennitt in the
Apparently Irrelevant. Harari reminds us, “Algorithm is
Toronto Star,
arguably the single most important concept in our world. Emotions are biochemical algorithms that are vital for the
April 23, 2018
survival and reproduction of all mammals.” (7) The loss of
(4) The Economist – GrAIt expectations, Special Report
billions of potential algorithms might be a Weak Link in the
March 31, 2018
Human 2.0 chain, causing Anxious Insecurity. Keeping in
(6) The Singularity Is Near – When Humans Transcend
mind, as McKennitt advised, “British anthropologist Robin
Biology, by Ray Kurzweil
Dunbar, who says humans are only meant to know about 150
(7) Homo Deus – A Brief History of Tomorrow, by Yuval Noah
people anyway.” (3) would no longer be of interest. Loreena
Harari
McKennitt informs us, “Digital monopolies have since moved
(8) Faust, by Johann Wolfgang von Goethe
in with disruptive practices, allowing fake news and ‘alternative facts’ to proliferate.” (3) And according to Tom Siebel, a Silicon Valley veteran, there are so many firms peddling AI capabilities of unproven value that someone should start ‘an AI fake news channel’. (4) The ‘F’ word synonyms for ‘Artificial’: fake, false, and fabricate further enhance the thinking a superior word should have been chosen by the AI community to support their ‘Intelligence’. Margaret Boden writes in Discover, October 2016, “Computer’s don’t suffer, are perfectly nonjudgmental, and utterly undemanding when it comes to aesthetics.” The question of whether a computer can think is no more interesting than the question of whether W W W. M B E F O RYOU. C O M
MBE BUSINESS MAGAZINE AUGUST / SEPTEMBER 2018
15
MBE
inc.
YOUR SUCCESS IS OUR PASSION
BUSINESS PARTNERS
Contact Us
Address: 104-100 Dynamic Drive, Toronto, ON M1V 5C4 Toll free: 1-866-667-1377
|
Fax: 1-866-204-6888
Email: info@mbeforyou.com Website: www.mbeforyou.com
16
MBE BUSINESS MAGAZINE AUGUST / SEPTEMBER 2018
W W W. M B E F O RYOU. C O M
WHERE BENEFITS MEET REWARD
W W W. M B E F O RYOU. C O M
MBE BUSINESS MAGAZINE AUGUST / SEPTEMBER 2018
17
Total Data Protection Means Security e-tECH
Contact: 647-361-8191 x 105 contact@etechcomputing.com
It turns out that Total Data Protection solutions have a “side effect”: they’re the ultimate security solution, too. But don’t be too surprised. Total Data Protection platforms were conceived with laser focus on the challenge of ensuring your business data is always protected and continuity is always guaranteed. Malware, hacker attacks, and (most commonly) human error are simply three of many “disasters” they defend against. Several technical factors come
encryption safeguards data in transit
together to enable a Total Data
and at rest.
Protection solution to be the fastest,
• Security features such as encryp-
safest way to return a breached
tion simplify compliance with
environment to normal operation.
regulations (e.g., HIPAA and PCI)
• It requires image-based backups that include all the business data plus
Thus, we address virus, ransomware
your IT environment.
and other attacks by rolling back your
• It combines use of on-site or virtual
entire environment to the last
appliances and a purpose-built,
uncorrupted backup image. A bare
secure cloud, always storing backup
metal restore from our Total Data
images in an archival format (ZFS)
Protection platform guarantees a
that is essentially invulnerable to
clean result.
malware.
While Total Data Protection is
• It includes tools that let you pinpoint
primarily for backup and business
the moment of attack or infection
continuity, it also functions as a
• By using Inverse Chain Technology
failover or secondary security
TM, it ensures that backup images
backup. The way it functions, you’re
your IT environment
stored before the attack are wholly
able to turn back time. Which is a lot
• Pinpoint the moment you suffer an
uncorrupted End-to-end 256-bit AES
easier than relying on any other
attack or infection
application or software
• Roll back your entire environment to
to get back your
the last uncorrupted image
uncorrupted data.
• Enable rapid return to normal operations with only limited loss of productivity
With E-Tech, Total Data
and downtime
Protection Means a
• Encrypt data in transit and at rest
New Level of Security.
• Simplify compliance with regulations
With us, you can:
such as HIPAA and PCI
• Implement
18
MBE BUSINESS MAGAZINE AUGUST / SEPTEMBER 2018
image-based backups
We Keep Your Business Safe!
as often as your need
Feel Free to contact Ian Evans at
dictates – and include
647-361-8191 x 105 or contact@etech-
your business data plus
computing.com
W W W. M B E F O RYOU. C O M
HOw TO OFFER EMPLOYEE HEALTH BENEFITS FOR $30/MONTH
Trending in Canada: more companies are offering non-wage benefits – how can you compete?
will to take initiative and more profit for your establishment.
coverage.
What is the Olympic Benefits Plan?
Affordable health benefits: get a FREE quote today
The Olympic Health Benefits Plan was
Businesses can make or break
created by Northern Financial Group,
success on the back of their employ-
an insurance and investment compa-
ees. If you create a work environment
in the hiring market.
ny that specializes in business
that cares about its workers, you can
benefits plans. The plan offers a
substantially improve your position in
How can you compete with them
competitive advantage by providing
the market, grow faster and stand out
access to large company health
amongst your competition by having
benefits at an affordable price.
only the best, most talented employ-
Quick overview of the plan:
ees. Get a FREE quote from Northern
• Set rates
Financial Group: visit http://northern-
• Affordable costs (benefits from
financialgroup.ca/ or call
small business pricing.
$30/month per employee!)
905-812-8811.
Why is it important to offer benefits to good employees?
• Pooled claims
Attracting and retaining good employ-
• 30-years of experience
ees has a strong interdependence
• No medicals required
According to Statistics Canada, 74 per cent of businesses offer at least one non-wage benefit to their employees which gives them a competitive edge
without breaking the bank? The solution is simpler than you think (and may only cost $30/month!): it’s called the Olympic Benefits Plan which offers large company benefits with
• Flexibility (mix and match coverages) • Step-by-step guides • Ongoing support
with the benefits you are offering. High performing employees will want to
They made the plan available for
stay if they feel valued and safe.
groups of three or more employees
Happy and satisfied employees will
who must work a minimum of 20
equal better productivity, increased
hours per week to be eligible for
W W W. M B E F O RYOU. C O M
Louie Carnevale Northern Financial Group louie@northernfinancialgroup.ca
MBE BUSINESS MAGAZINE AUGUST / SEPTEMBER 2018
19
August - September
EVENT 2018 CALENDAR AUG 1
WEDNESDAY
The Royal St John's Regatta (Regatta Day) The first Wednesday of August is Regatta Day, a local holiday in Newfoundland and Labrador, also known as “The Largest Garden Party in the World”.
AUG 6
MONDAY
Heritage Day in Alberta Heritage Day is celebrated in Alberta on the first Monday of August each year. Although it is not a statutory holiday, many Canadians in Alberta use this day as an optional holiday to celebrate the province’s heritage.
AUG 6
MONDAY
British Columbia Day The first Monday of August is known as British Columbia Day, BC Day or B.C. Day, in the province of British Columbia. It is a statutory holiday and gives Canadians in the province the chance to celebrate their achievements or relax with friends and family members.
AUG 6
MONDAY
Natal Day People of the Canadian province of Nova Scotia hold “birthday” parties for their province on the first Monday of August. Huge birthday cakes are prepared and distributed. Other events include communal meals, parades, sporting activities and firework displays.
AUG 17
FRIDAY
Gold Cup Parade The Gold Cup Parade is a feature event for Old Home Week, which celebrates the joys of the summer season in Prince Edward Island (PEI), Canada. The parade is on the third Friday of August and attracts thousands of people.
AUG 22
WEDNESDAY
Eid ul Adha Eid al-Adha is a significant annual Islamic observance for many Muslims in Canada. It is also known as the Feast of Sacrifice or Festival of Sacrifice as it commemorates Ibrahim’s (Abraham) willingness to sacrifice his son to God.
SEP 3
MONDAY
Labour Day Labour Day in Canada is celebrated on the first Monday of September. It originally gave workers the chance to campaign for better working conditions or pay. The day is now part of a long weekend for many Canadians.
20
MBE BUSINESS MAGAZINE AUGUST / SEPTEMBER 2018
W W W. M B E F O RYOU. C O M
Rosh Hashana
SEP 10
MONDAY
SEP 12
WEDNESDAY
Many Jewish Canadians celebrate Rosh Hashana, which is also known as the Jewish New Year. Rosh Hashana star ts on the first day of Tishrei (or Tishri), which is the seventh month in the Jewish calendar, and may last for two days. It is sometimes called the Day of Remembrance or the Day of Blowing the Shofar.
Muharram / Islamic New Year Many Muslims in countries such as Canada observe the start of the Islamic New Year on the first day of Muharram, which is the first month in the Islamic calendar.
SUNDAY
SEP 30
Hoshana Rabbah Many Jewish people in Canada mark Hoshana Rabbah as the last day of Sukkot in their calendars. This day is the end of the Sukkot period, also known as the Feast of Tabernacles. The Sukkot festival is observed during the week starting on 15th day of Tishri, which is the first month of the year in the Jewish calendar.
CROSSWORD PUZZLE
Previous Issue Answers C H A S M S U G A R
A E G E A N A M E L I A
B R E A K I N G P O I N T
S O S N T E E W V E E D S T L O E N S E T S
W W W. M B E F O RYOU. C O M
L E A F F A Y N B L U E N G Y A N
A N N E F I N S S O S
S T I C K I N G P O I N T
H E S T O N S O L A C E
R E S I N T E N E T
R A S P S S A T E S
B U L K U P
I M L A T E
P L E A T S
A D A G I O
A B E T
S A N I B W E A L N E N U E R R S R E
F L O N G U S D I C S H T E S E T A H
L A B O V E R N I C E A K A S T O P H E N S E A R E D E R A D C A R E A S E M P E D O S S
MBE BUSINESS MAGAZINE AUGUST / SEPTEMBER 2018
21