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ISSUE 45 | AUGUST / SEPTEMBER 2018

M VING TO CANADA? PROFILE

NASIRA RAZVI Barrister & Solicitor Pg 12 "CANADIAN EXPERIENCE" FOR IMMIGRANTS AND NEWCOMERS

PG. 44

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FINTECH SELECT AND RMA CANADA PG. 47

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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

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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


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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


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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

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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.

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MBE BUSINESS MAGAZINE AUGUST / SEPTEMBER 2018

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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

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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-

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• It requires image-based backups that include all the business data plus

Thus, we address virus, ransomware

your IT environment.

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• It combines use of on-site or virtual

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appliances and a purpose-built,

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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

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• By using Inverse Chain Technology

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TM, it ensures that backup images

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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

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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


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MBE BUSINESS MAGAZINE AUGUST / SEPTEMBER 2018

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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.

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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

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R E S I N T E N E T

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B U L K U P

I M L A T E

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A D A G I O

A B E T

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MBE BUSINESS MAGAZINE AUGUST / SEPTEMBER 2018

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MBE Business Magazine  

August September 2018 Issue

MBE Business Magazine  

August September 2018 Issue

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