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ISSUE 02 | DEC 2014

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JimKarygiannis SuccessStory

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Mr. Karygiannis is the former member of parliament for scarborough-agincourt. He has been an effective voice for the people of scarborough-agincourt and Has vast political experience and a proven record of public service.

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President Message Editor Message Successful Journey Financial Planning MB Accounting Exclusive Interview With Jim Karygiannis We Become What We Think About How Do I Own A House With Bad Credit Home Improvment MBE Core Business Canada Job Market MBBP Rewards Top 6 Beneﬁts MBBP Referral Program MBBP Career Hottest Renovation Trends Hot, Not Bothered Hiring a Contractor Canada Labour Market Self Employment CLASSIFIED

MB Business Magazine is published by MB Advertising from 104-100 Dynamic Dr. Toronto ON M1V 5C4 printed at Vision Printers .

First of all, my heartiest congratulations to the MB Business magazine team on the successful launch of the ﬁrst MB Business magazine! It was fantastic!!!

The designing and printing quality was excellent! I am thankful to the MB Business magazine team for bringing such a wonderful magazine in the market and I am expecting that the next issue will be much more attractive and presentable.

Welcome and thank you for your interest in The MBE Group.

I would also like to thank all the participants from the business community, friends and near and dear ones who played their part in MB Business Magazine launching ceremony. Your keen interest and contributions in this regard is highly appreciated. As we are approaching Christmas very soon I would like to take this opportunity to wish all our readers, business partners, vendors and my colleagues sincerest “Season’s Greetings” and may you all have perfect “Winter Holidays”! I am looking forward to your continued co-operation and support to maintain the standard of this new magazine and I thank you once again for all the efforts that were put in for the launching of this ceremony. It is my pleasure this holiday season to extend to our customers, business associates, and friends wish you all warm greetings and best wishes for a

HAPPY HOLIDAY AND A PROSPEROUS NEW YEAR. Mansoor Naqvi

Dear Readers, Thank you for the appreciation shown on the launch of the ﬁrst

MB BUSINESS MAGAZINE! We will be highly obliged if you could send us your valuable feedback and comments regarding the contents of this magazine. Your critical views will definitely help us to make the necessary improvements required to bring this magazine to the high level standard that is expected from our team. We would also appreciate and welcome advertisements from the various vendors in the international market in order to cater to a larger number of potential readers. I assure you of our finest quality reading material for the benefit of all our valuable readers and hope we have a long and fruitful relationship. I also wish you very happy holiday’s and best wishes for a bright and successful year ahead. Yours Sincerely Aurora Zabala

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Whenever we look at our lives, we ﬁnd ourselves busy, working day and night, sacriﬁcing a lot of things, including family, children, fun, sleep and most important our health. We never take a moment to ask ourselves certain very important questions. Why we are working (Reason) What we are going to get (Outcome)

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For example: A mortgage of $350,000 plus yearly income replacement of $35,000 for next 10 years, Educational expense of $75,000, Car payment of $25,000 leads to approximately $750,000 of life insurance coverage an average Canadian needs today.

• Still have short of funds when our children require University education ($20,000 to $35,000) funds required for 1 year of university education.

RESP’s: Education is free up to high school, but when our kids enter in colleges and universities there is an expense of $30,000 per year for at least 4 years. Funds of $120,000 per child.

• Our Mortgage is unsecured, and any sudden death of earning family member can leave the whole family on road.

Retirement: How much you want to save and spend when retired.

• In case of disability, how our month to month expense will be managed

For example: If you retire at 65 years: for next 20 years @ $40,000 a year. Looking for a saving of $400,000 at the time of retirement.

• At our retirement age, are we really going to retire? Do we have enough Retirement funds at hand? • The estate we have built will be inherited smoothly, without any hick ups. These are the few scenarios that should be looked seriously and be reviewed at least once a year. Some important aspects of financial planning are: Life Insurance: Coverage for any unexpected, life changing incident like death, disability A comprehensive life insurance policy and disability policy can be a good solution.

Estate Planning: If one is doing excellent in terms terms of income and assets, is there any Estate planning is done? Financial planning is one of the most important aspects of our life. Stats tell us that more than 80% of the people and families are living without any coverage or very little coverage. Every one is paying car insurance, an average of $200 per month, because it is mandatory. Most of us do not give priority to life insurance and ﬁnancial planning. If we allocate $5 to $10 a day, we can come up with standard ﬁnancial solutions for the family.

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Mr. Karygiannis is the former member of parliament for Scarborough-Agincourt. He has been an effective voice for the people of Scarborough-Agincourt and has vast political experience and a proven record of public service.

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Mr. Karygiannis was the Liberal Party Critic for Veterans Affairs and the Liberal Party Critic for Multiculturalism, with responsibility for stakeholder and community outreach. He served as Parliamentary Secretary of Human Resources and Skills Development. Prior to this appointment, he served as the Parliamentary Secretary of Transport, with special emphasis on Transport and the Environment.

working on the front lines. Resources were brought in to assist and enhance the health care services of local front line workers. Ward 39 Scarborough-Agincourt is one of the most ethni- cally diverse neighbourhoods in the City of Toronto. Mr. Karygiannis has made sure that Toronto, especially Scarborough-Agincourt, has received funds for Settlement Services to look after the needs of our newcomers.

During his tenure, Mr. Karygiannis forged good working relationships with his colleagues at the municipal and provincial and federal levels of government. Together, they worked on issues of critical importance to the community including: establishing, with law enforcement agencies and various government departments, a Task Force to combat marijuana grow houses; strengthening community safety; and, helping to ensure the safety of residents of rooming houses in Scarborough Agincourt.

As the Parliamentary Secretary to the Minister of Transport, Mr. Karygiannis worked with City of Toronto ofďŹ cials, the people of Ward 39 Scarbor-ough-Agincourt and GO Transit, to ensure the sound of loud train whistles on GO Trains traveling south, along the eastern border of Ward 39 Scarborough-Agincourt, did not disturb area residents.

When the SARS epidemic struck Toronto and Canada, the Scarborough Grace Hospital was the epicenter of the outbreak. Working with his colleagues in Ottawa, Jim was able to quickly address the issue of salaries, through Employment Insurance, for people that were affected and

Jim was born in Athens,Greece in 1955. He immigrated to Canada as a teenager with his family, settling in Toronto,Ontario in 1966. Jim graduated in 1978 from the University of Toronto with a Bachelor of Applied Science in Industrial Engineering. He also holds a Fellowship of Business Administration from the Canadian School of Management. Jim worked in the family business until 1988 when he was elected. ..............................................................................

Jim Karygiannis is married and is the father of ďŹ ve daughters and two sons-in-law.

MBE: Hello Jim, can you please give us a background about yourself and your family? Jim: I was born in a refugee camp in 1922 while there was a war going on in the Balkans. My mother migrated to Greece and we moved into a refugee camp. I was raised as an only child by my parents who were very hard working but were not well off. The best thing my father ever did for me was move to Canada. I started going to school in downtown Toronto and graduated in Industrial Engineering. We then got into footwear wholesale business. At first the business was going very well and I decided to stand for my first provincial election. I did not win at first but once I had tasted the political life I went right back to door to door campaigning after my loss. I eventually got the nomination for Scarborough Agincourt and looked after the people there for almost 26 years. As years went on things changed and eventually I left the position I had. At the time there was an opportunity to stand municipally for City Councilor Ward 39. As one door closed in my life a new one opened and I was elected. It was a new challenge for my life as I had been an engineer, a business man, a federal Member of Parliament and now municipal member. I have a lovely wife I have been married to for the last 39 years and it is great having a wife at home. I have 5 lovely daughters MBE: After getting your engineering degree and starting your business what pushed you towards politics? Jim: My political career started by chance when I got involved in a movement to depose the leader of Greek town during 1984. The residents at the time believed that the

leader was not able to deliver the things he promised and I was approached to take over his position. I eventually decided to run provincially but lost by only 5 points. It worked out well for me as I went on to run from Scarborough Agincourt and won the election there. Politics for me was a lot of â&#x20AC;&#x153;right place right timeâ&#x20AC;? along with some right decisions and eventually became a way of life. There are two kinds of politicians. The ďŹ rst kind is the good looking one who is always in the front lines looking smart but does not have much substance. The second kind is the politician who cares about working for people and helping people out even if they are not in the limelight. I consider myself the later type. I am a liberal and have been a part of the liberal party but there were times I went against the party and pushed the envelope when I felt something was wrong. In munici-pal politics the party is not important it is the people that have elected you that are important and delivering to them is important. MBE: Jim can you please shed some light on a couple of achievements during your time spent in the local government? Jim: One of accomplishments would be fundraising I did for the Earthquake that struck Northern Pakistan in 2005. I worked with local Pakistanis who were from the area in raising money. The community had raised a million dollars and as part of the government we matched that donation. We used the funds that had been raised in the reconstruction of school and other infrastructure. Later on when the Tsunami struck Asia we did the same process and were able to help thousands of people that had been affected.

The other accomplishment in my career was giving recognition to various genocides that had taken place over the years. One such genocide we shed light on was the Armenian Genocide in which over 1.5 million Armenians died. Another accomplishment in the local government took place during the SARS outbreak in 2003. At the time people were being quarantined for a mandatory 10 days and could not work for two weeks if they had been under quarantine. The time that they were quarantined was counted as unpaid leave and many people who were supporting their families needed this money. I lobbied successfully to get rid of this and the days that they were quarantined became paid leave. Locally another problem I helped tackle was the abundance of Marijuana grow houses. At the time there was a grow house on every street and along with the help of local and federal police we were able to get rid of them. I also got to know the local people in the community who had come from all over the world. These people faced problems back home such as the Katrina disaster, the Kashmir earthquake and the Guyana ﬂoods. We helped all these people bring support back home. MBE: We have heard you are an avid traveler. How do you feel about your travels to South East Asia? Jim: I have been to India and Pakistan many times and I have good friends over there. I believe that Pakistan and India are treasures that are slowly being discovered by the western world. This is mostly due to the Pakistani and Indian Canadians who are pushing for better relations between the countries. The sooner our governments start realizing that we need to create these relations in order to make more business opportunities and make more money the better. Both the United States and Canada have made efforts to have strong ties with China and right next door there is an entire world to be discovered and that’s the South Asian world. MBE: Jim as you know 90 percent of the population in Canada is landed immigrants. Can you please explain how important these immigrants and the importance of immigration? Jim: The city of Toronto has very few visible minorities in council. Most of the council is made up of Caucasian. What we need to do is make up the city council to reﬂect the city of Toronto. More men and women have to be

elected from different backgrounds to represent all the different types of people in society. Once this is done people can easily relate to the City Council and call it home. More people need to step up and take an active role in these kinds of positions. I personally took the responsibility to reach out to ethnic minorities for the liberal party. I travelled around Canada met with various different minorities and tried to understand the specific needs and dreams of these people. I tried to make my office in City Council a center for diversity where people can approach the government and express their concerns and needs. MBE: Jim there are a couple of specific issues Toronto has been facing that I would like you shed some light on if you can. One of these issues is the almost double increase of Land Transportation Tax (LTT) Jim: We have young first time buyers along with people experiencing changes in life, these people I believe are the ones that are most vulnerable and should not be hit with this tax. An average young couple is making around $ 120,000 a year and after taxes and living expenses are taken out hardly $60,000 dollars is left. For that couple after purchasing an approximate $ 400,000 dollar house with down payments and mortgage payments for them to be hit with an approximate $5,000 bill for LTT is very hard. That tax should be taken away and the same $5000 can be spent on something like furniture for their new house. This same money saved will help the economy and help create job opportunities. Overall I will be very supportive to get rid of this Land Transportation Tax. MBE: What are you current main focuses as City Councilor at the moment? Jim: My main focus at the moment is the creation of the Subway along Sheppard Ave. Another major local issue I am focused on is that the TTC wants to make a bus garage for which they need 19 acres of land. This will have around 250 busses in and out every day and will create great (around 1000) job opportunities such as jobs for mechanics. The issue is that the location they want is right next to a school and a senior citizens home. I am against the particular location as it is a busy intersection so I am working for it to be opened somewhere else that doesn’t affect the traffic near the school.

MBE: We at MB have been dealing with small businesses for many years and have noticed an alarming trend that the life span of an average small business is only 2-3 years. This along with the lack of job opportunities has become a major issue. Can you please shed some light on this particular issue being faced by Canadian?

widow at the time and that was more important for me. Being close to family was more important than travelling up and down to Ottawa for 25 years and living out of a suitcase. Now I have the freedom to be home every night and sleep in my own bed and get to spend time with my family and see my mother.

Jim: First we need to attract more businesses and we need to keep those businesses. We need to make sure as a City the amount of red tape we put in front of them and amount of restrictions we apply have to be decreased. We need to have one specific office that deals with businesses and gives solutions to business owners. Currently for a business owner he would have to go to two or three different offices to take care of issues such as how to file your GST and where to file your property tax. We need to create a one-stop shop for current and future business owners. This will save not only time but also fees such as administrative fees that business owners have to pay. We need to create attractions for new businesses such as tax rebates which will attract foreigners who are looking for cheaper places to open businesses such as China. One of the projects I worked on personally was to create a tax free zone in Niagara that would attract such businesses.

MBE: Apart from politics and family what are some of the hobbies you partake in?

MBE: What is the one most important rule or principal that motivates you and keeps you going? Jim: The number one most important thing for me is family. If my family does not support or approve of what I am doing I cannot achieve anything. If you run for politics without the support of your family you can become successful at politics but will never win in life. MBE: What was the most difﬁcult moment of your life Jim? Jim: The most difﬁcult moment of my life was resigning from Parliament. It was very tough because I didn’t want to leave but I had to because I wanted to take the next step in my life. I had to be closer to my mother who was a

Jim: I used to be a swimmer and had joined the Canadian Olympic swimming team many years ago. Now I spend my free time playing Golf. But the best time for me is the time I get to spend with my family. I like relaxing on my front porch being around my daughters helping them. Apart from this campaigning has always been an interest of mine. I have done 10 campaigns of my own and have been a part of about 35 other people’s campaigns. MBE: What is your ﬁnal message for the business community and the people reading this magazine? Jim: The most important thing I can say is that the color of your skin does not matter and everyone has to respect the people sitting next to you in your daily lives. Once you respect them as an equal it does not matter where he or she comes from and once you have accepted them then you celebrate your differences who you are and eventually embrace the future together. There are four important words: Respect, Accept, Celebrate and Embrace. If you take the ﬁrst letter of each of those words it spells RACE. We are all part of the human race and if we cut ourselves we all bleed red.

Personally Wish Your Magazine Success And We Will Hopefully Work Together To Help You Grow And Bring The Community Together.

JOHN FERRARA

I have heard those words that have left an impact on me and changed the way I view my life; “we become what we think about.” Wanting to take control of my life, I started looking for the answers of how it was possible to prosper and to grow, not only in the business world, but as a person. How is it possible to live in abundance? How can someone turn dreams into realities?

Along my journey, I have come across some of the most inspiring sources: books, authors, speakers, modern day philosophers, entrepreneurs and success gurus. Here is what I found! Even though they all have diverse views and opinions, there is one common trend

that they all unanimously agree upon; “we become what we think about.” Success begins in the mind of the individual. The way you think determines your outcome. Quite simply, if you think positive thoughts, you will achieve positive results. If you think negative thoughts, you will reap negative results. So how is it that we become what we think about? It all begins in the subconscious mind. Within our subconscious mind lies the true potential of our personal power. Our subconscious mind holds the key to unlock the future we have always dreamed of.

“The greatest revolution of our generation is the discovery that human beings, by changing the inner attitudes of their minds, can change the outer aspects of their lives.” In the recording “The Strangest Secret”, Earl Nightingale gives the example of our minds being very similar to fertile land. The land does not care what you plant; it leaves the choice up to you. If you have two seeds; one corn, one deadly poison, and plant the seeds, water them and care for them equally- what will happen? The land will return what is planted. It will return poison just the same as it will return the corn. Our minds, although much more complex, work the same way. Whatever seed you plant in your mind, your mind will return to you. Start by making a conscious decision for what it is you want. Plant your ideas, dreams and wishes, deep within your subconscious mind. take care of

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On a number of occasions, I have seen the following scenario (or a slight variation of the scenario) “PLAY OUT”. John Doe has bad credit but he is desirous of owning a property. He is aware that he will not be approved by the Bank and/or Mortgage Company if he applies for financing in his name. John has consulted a mortgage agent who has determined that he is able to “carry” the mortgage and the associated carrying costs of owning a property that fits his specifications. John believes that his credit can be repaired within two years or so but he cannot wait that long as his fiancé is scheduled to move from overseas within six months to start their new life. Of course, John wants to impress his fiancé that he is living the Canadian “DREAM”.

John. In addition, the Trust Agreement stipulates that John (and not Jane) is responsible for all mortgage payments and all related carrying costs of the town-house. More importantly, the Trust Agreement states that, at any given time John requests, Jane agrees to transfer title to the town-house to John. John moves into the town-house in preparation for the arrival of his fiancé. Jane never moved into the town-house. Unfortunately for John, the relationship with his fiancé deteriorated, his fiancé never moved from overseas and the parties went their separate ways.

John then commences the search for someone who has good credit and is willing to hold the property he intends to buy in their name for a while. John’s cousin, Jane Doe, has good credit and agrees to help John with his present dilemma.

Two years later, John is still single and realized he does not really need the larger space that a town-house provides – a one-bedroom condo could sufﬁce.

John “buys” his “dream” home – a three-bedroom town-house in a nice neighbourhood. At the time of John’s “purchase” he enters into a Trust Agreement with Jane.

John contacts Jane about his plan to“down-size”. Unknown to John, Jane has been monitoring the signiﬁcant increase in property prices in John’s neighbourhood.

In a nutshell, the Trust Agreement stipulates that even though Jane is the registered owner of the town-house, John is the beneﬁcial owner and further, that Jane is holding the property “in trust” for John. The Trust Agreement further conﬁrms that save for the mortgage funds obtained from the Bank and/or Mortgage Company, the down-payment and all other closing costs for the purchase of the town-house was provided by

John was on the verge of a heart-attack when he received a phone call back from Jane wherein Jane advised him that the town-house belonged to her and she had no plans of selling. She even told John that it is her words against his as there were no witnesses to his “so-called” Trust Agreement.

THE BANK DOES NOT CARE …BUT THE COURTS DO

John is unsure of what to do. His initial inclination is to contact the Bank so as to inform the Bank that he is the actual “owner” of the town-house and not Jane. Unfortunately for John, the Bank and/or Mortgage Company that provided mortgage financing to facilitate the purchase of the town-house is not a party to the Trust Agreement. Typically, the Bank and/or Mortgage Company will not recognize John’s interest in the property. However, a Court of competent jurisdiction will recognize John’s interest in the property. Infact, there are cases where the Courts have ordered that the title to the property in circumstances as described above, be transferred from the registered owner (in this case, Jane) to the beneficial owner (in this case, John). The time-frame involved before the Court can Order such a transfer of title from the registered owner to the beneficial owner can take several months.

However, there are interim measures that John can take to protect his “interest” in the town-house. A Caution can be registered against title to the town-house – preferably attaching a copy of the Trust Agreement to the said Caution. However, such a Caution is typically only valid for sixty days.

John can also bring an Application for leave for the issuance of a Certiﬁcate of Pending Litigation (“CPL”) to be registered against title to the town-house, pending the Court’s resolution of the “title” issue between him and Jane. With respect to both interim measures, either a Caution or CPL, appropriate legal advice from a lawyer is strongly recommended.

So, just like John, if you want to “own” a house but have bad credit, the following are some desirable action steps:

1) Have a Trust Agreement in place and ensure that, there are at least two witnesses to the Trust Agreement; 2) Have the above-noted witnesses swear Affida vits of Subscribing Witnesses; 3) Keep impeccable records. For instance, keep a record of the bank draft/certified cheque of the down-payment for the purchase transaction, a record of the bank draft/certified cheque relating to the closing funds, a record of the

mortgage payments made to the registered owner’s bank account (with a memo stating that it is a mortgage payment as opposed to a rent payment) etc; 4) Have a Power of Attorney (“POA”) in place with the registered owner as grantor and the beneﬁcial owner as grantee of the POA; and 5) Ensure that your name is noted on all accounts so as to be able to make enquiries e.g. utility companies, property tax account, etc. By Olubunmi Ogunniyi, LL.B. (Hons),B.L., LL, M Barrister & Solicitor E-mail: olu@ogunniyilawofﬁces.com

OLUBUNMI OGUNNIYI LL.B (Hons), B.L, LL.M, BARRISTER, SOLICTOR & NOTARY PUBLIC

2680 Matheson Boulevard East Suite 102 Mississauga Ontario L4W 0A5 Fax: 1- 877-201-3476 Ph: 1-866-840-5167 Cell: (416) 997-3010 olu@ogunniyilawoffices.com

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Snow Safety Tips to Survive the Winter Weather

The cold winter weather shouldn't limit time enjoyed working on the home outdoors. Before venturing outside, ensure proper safety precautions are taken to avoid an accident or injury. Consider the following snow safety tips from The Home Depot Canada to help keep warm and safe all season long.

Dress for outdoor success.

Whether at work or play, bundle up in layered clothing to allow for better evaporation of perspiration. Outer garments should be tightly woven and water repellent. Wear boots or overshoes with non-skid soles to avoid slips and falls.

Master the right shoveling technique.

Before shoveling the walkway or driveway, ensure you are physically able. Arm yourself with a quality shovel that will last the entire winter. Lift with your leg muscles, not your back and remember, pace yourself and take frequent breaks.

Blow it away.

If shoveling is not your fancy, consider using a snow blower to push the white stuff away. Main-

taining the blower will enhance performance and increase longevity. Check areas such as the engine oil levels, blower system chute positioning and tire pressure on a regular basis.

Light the way.

Since visibility is reduced in snowy weather and the winter brings darkness earlier, make sure you have well-lit walkways around the outside of the home.

Roof clearing.

If you need to clear the roof, try using long-handled snow rakes or poles. Should you require a ladder, make certain that the base is securely anchored. Ask a friend, family member or neighbour to hold the ladder while you climb.

Winter warm-up.

After spending time outdoors, snuggle up with a loved one and drink warm beverages like hot chocolate, coffee, tea or soup. For more snow safety tips, visit The Home Depot store in your community.

Three Ways to Improve the

Air & Water Quality in Your Home

When it comes to the elements that make a house safe and comfortable, none are as important as air and water. Poor air and water quality can cause discomfort, damage your home’s structure, and even affect your respiratory health. Here are three easy ways to obtain better air, better water, and better health:

1. Increase Ventilation

Proper ventilation reduces the concentrations of indoor air pollutants and provides healthier air quality in your home. Start by making the most of exhaust fans or opening windows when showering, cooking, or using the dishwasher in order to let moisture escape your home quicker. If you have a garage, install an exhaust fan to the

outdoors to prevent car fumes from entering your home. Make use of ceiling fans that draw up and distribute cool air from the ﬂoor on warmer days, and circulate warm air that collects near the ceiling on colder days.

2. Use Water Softners to Combat Hard Water

While safe and suitable for drinking, hard water, or water containing high levels of calcium and magnesium, can still have its setbacks. Harder water creates mineral build-up that can clog pipes and appliances and leave a soapy ﬁlm on bathtubs and shower tiles. It can also be tough on your hair and skin, and deteriorate the quality of your laundered clothing.

Try using a hard water conditioner that traps minerals during the wash to soften your laundry and eliminate build-up on your dishes. In the bathroom, use an easy-to-install soft water filter on your showerhead to help prevent dry skin and reduce soap scum build-up. For a more complete solution, consider installing a water softener system in your home. This will not only benefit your skin, laundry, and dishes, it will also help eliminate mineral deposits in pipes, fixtures, and appliances.

3. Balance Humidity

If the air in your home is too dry or stuffy, it can irritate your skin and cause respiratory problems. On the other hand, too much moisture in the air can cause mildew, dust mites, and other conditions that can trigger allergies. That’s why balancing humidity is important. Humidity is normally measured by the amount of moisture in the air using a hygrometer. As a rule of thumb, the recommended humidity in your home should be between 30 – 50%*.

If the air in your home is too moist, a dehumidifier will help prevent a damp environment and protect walls, floors, and furniture from water damage. If the air in your home is too dry, a humidifier will add moisture and relieve dry skin and many allergy and asthma problems. It will also reduce cracked paint and plaster occurrences, as well as prevent wood floors from warping.

Windows & Doors

Home improvements increase your home enjoyment, but they also affect your home’s resale value – upgrading your windows and doors can yield a 50 to 75% return on investment at resale*. These tips will help you plan for your window and door improvement needs with a focus on resale value: PLAN

SECURITY

PRIORITIZE

SOUND

STYLE

LIGHTING

Consider important factors such as climate, cost, and style when planning your window and door upgrades. Seek professional advice to help determine what options best ﬁt your needs and budget. Most companies provide a service that includes ﬁtting, delivering, and installation.

Decide what features are most important to you. Wooden doors and windows are great for their natural warmth and appearance, ﬁberglass and vinyl are ideal for superior durability and maintenance, and steel is your best bet for added strength and security.

Choose doors and windows that ﬁt the character of your home. Casement windows and patio doors enhance viewing areas while adding more natural light, bay windows help create a focal point and enlarge a room’s appearance, and wooden doors can be custom made with unique designs and patterns.

Add transparent polyester strips (PET) to glass for extra security. This window ﬁlm can easily bear the pressure of intensive strikes by rods, hammers, and rocks. Choose a metal or solid hardwood entry door no less than 5cm thick to help prevent against break-ins.

Ensure your windows and doors are insulated for sound as 90% of exterior noise enters your home this way. Using laminated safety glass, secondary glazing, or placing a wider airspace between glass panes will help reduce outside noise signiﬁcantly.

Maximize the natural light that enters your home by installing windows or doors with glass panels on the south side of your house. This will allow sunlight to enter your home in the winter and prevent direct sunlight in the summer, so you can limit the unnecessary heating and cooling of your home.

EFFICIENCY

Be aware that 30% of energy in your house is lost through windows and doors. Prevent heat loss in the winter and heat gain in the summer by using double or triple glazed glass panes and by purchasing windows with a low-e coating or inert gas fills. Steel and fiberglass doors have cores of foam insulation that give them better energy efficiency than wood.

MAINTENANCE

Keep your windows and doors in good condition. Replace caulking and window glaze every few years to prevent drafts and condensation, and update the stain or paint on your door to keep it weather resistant and looking like new.

Upgrading your home’s windows and doors is a great way to enhance its entryway and curb appeal. When it comes to reselling your home, the more people like the outside, the more they will want to see the inside. Depending on the quality of installation, materials and maintenance, your new windows and doors carry a minimum life expectancy of 10 years and 25 years respectively

Lighten Up Your Space: Tips for Great Lighting Design Good lighting makes your home feel warm, comfortable and welcoming. A variety of lighting options are available to suit your needs and your personality.

ADD TASK LIGHTING. Directional ﬂuorescents, table and ﬂoor lamps provide concentrated light onto work surfaces such as kitchen countertops, desktops and reading spaces.

CONSIDER FUNCTION. Do you need light

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lights or pendant lights can be used to enhance a speciﬁc decorative or architectural feature such as a sculpture, a prized collection, or a ﬁreplace.

TRY VARIETY. Combine ambient, task and

accent lighting to create texture. Perfectly even light is cold, so experiment with different heights and intensities to see how they work together.

To reduce eye strain, softly illuminate the wall behind your television set or computer monitor to transition the contrast between the bright screen and a darker room. Avoid lighting from ceiling fixtures located directly above the bathroom vanity as they cast shadows. Opt first for a lighting source flanking both sides of the vanity mirror length, or a light source directly above the mirror. Accent lighting on a wall hanging can soften a room particularly when the fixture is positioned at the bottom of the picture and illumination is directed upward. If you have a long dining table, hang several fixtures in a row above it instead of just one. It’s striking and contemporary – and everyone at the table will be able to see each other.

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Canada’s job market “sputtered” in 2013, says a new report that ﬁnds a majority of the net job creation last year involved part-time jobs, went to older workers and was concentrated in a single province. The report from the Canadian Chamber of Commerce found Canada added 0.6 per cent new jobs in 2013 not enough to cover population growth.

Canada created 99,000 net new jobs last year (“net” means total new jobs minus jobs lost), compared to nearly 308,000 net new jobs created in 2012, the report found. What’s more, the net jobs created were almost all part-time (95,000 of the 99,000 jobs), “raising concerns about the quality of jobs being created,” the report said. Of the total net new jobs, 68.6% were in one province, Alberta.

“We’re not talking about one LABOUR MARKET. We’re talking about multiple & diverse labour markets,” study author Tina Kremmidas told the Globe and Mail.

So who got the jobs that were created? Not youth, who saw their total number of jobs shrink by nearly 21,000 last year, a decrease of 0.8 per cent. (That’s for the 15-to-24 age group.) Older workers, those aged 55 and up, took the lion’s share of job gains. There were 154,000 more people over the age of 55 working last year than the year before. And women over 55 did the best of all demographic groups, increasing their employment by 5.5% (men 55-plus saw job growth of 4%). Among people of “prime working age,” meaning ages 25 to 54, the number of jobs shrank by 0.3 %, or some 34,000 jobs.

If there is a silver lining here, it’s the nature of jobs that have been created. The majority of the jobs created last year were in the service sector, the report says, but that doesn’t necessarily mean flipping patties at a fast food restaurant. While there were jobs like that created (17,000 net new jobs in food and accommodation), high-skilled service jobs in professional, scientific and technical services dominated, with 86,500 net new positions. That job classification includes lawyers, architects, engineers, scientific researchers and advertising execs, among others, the report notes and these jobs pay better than average.

“As in other advanced countries, there has been a shift in employment toward services during the past three decades,”

the report notes.

In Canada, that shift seems nearly complete, with 78% all employed Canadians now working in services. Compare all that to manufacturing, which lost 35,000 jobs last year and continues to shrink as a source of employment.

Government austerity measures also hit the job market hard; jobs in education declined by nearly 40,000 positions, the Chamber study found, while public administration jobs declined by nearly 30,000.

There are many job sites out there, but she is a diva! LinkedIn has now become an elite online club of smart and talented executives and professionals from around the world especially those seeking technical and management jobs. Here is a must read article with 25 tips to improve your LinkedIn proﬁle, and get jobs.

Dedicated more than 14 hours a day for online applications, for more than a month; Worked on improving the resume regularly; Completed all the sections of my LinkedIn proﬁle and spent time on the site connecting with recruiters in my target sectors; Applied for numerous jobs through "one click application" tool of LinkedIn hundreds of applications in one sitting; Created accounts on all the popular sites like Monster, Workopolis, Indeed, SimplyHired, and GlassDoor; Applied on more than 100 different company career portals; Contacted the Career Services Department of my University; Networked with existing friends by email or Facebook message; Tried to make new

friends in the industry by cold contacting them; Established a strong online presence; Cast a wide net, by not limiting myself to speciﬁc companies, roles, industries, sectors, or geography; Contacted recruiters of corporations and headhunters; Applied to thousands (not hundreds) of positions online; Answered emails promptly; Sent thank you messages after interviews; and ﬁnally, plenty of optimism, patience and persistence.

All relevant stakeholders All available time and resources All available channels -- ofﬂine and online All relevant positions in all relevant industries and sectors

Love LinkedIn: She will love you right back! Yeah, she is nice that way. I was contacted by three recruiters directly for interviews via LinkedIn in the past six months. This site brings results. Dedicate time: 12 hours a day or more Get discovered: Be available in cyberspace by having accounts on all popular job search sites. Crawl regularly: Just like the Google Page Ranking System crawls the Internet regularly, scan the job market for new job postings, and apply early! Sometimes, they disappear quickly. Answer phone calls: Some people do not answer unknown numbers. Don't do that during job search. That was not a stalker or telemarketer, it was a recruiter! Smile / use humour: Be charming. Marilyn Monroe famously said: "If you can make a girl laugh, you can make her do anything." Recruiters are people too. Read dating Books: Apply the techniques for job hunting. Not asking you to seduce the recruiter, but become well groomed, develop an attractive personality, and understanding body language. Read Dale Carnegie: How to win friends and inďŹ&#x201A;uence people. Understand people well. Read Joe Girard: How to sell anything to anybody. Learn how to become a good salesman.

Be Different: Job search can be a competitive blood sport when there are hundreds of applications for a job. Differentiate yourself. Constant search: Be shameless in the pursuit of extra information. You may be a smart person, but you do not have all the answers. Find mentors / alumni: Especially true if you have no Godfather in high positions Read G.B.Shaw quotes: Very relevant for job seekers. Don't be shy: A crying baby gets milk, and a crying job hunter gets a job. G.B. Shaw quote: "The secret to success is to offend the greatest number of people." Do not worry about wasting people's time or offending them. You are not pestering them for Multilevel Marketing, or selling them products. Someday, they may lose jobs / look for new ones. What are friends for? Don't be scared: If you are timid to approach strangers, you do not deserve a job anyway. How will sell the products or services of a company tomorrow, if you cannot sell yourself ďŹ rst, today? Here is another gem by G.B. Shaw, "My reputation grows with every failure." Job-application-pipeline: Just as we have a sales pipeline in business. When you are job hunting, you are still selling yourself, and need to set up a pipeline of leads, you know!

Work 10x harder: If you are at a disadvantage because you are a recent immigrant, a visible minority, a new grad just out of school, or someone who does not have the right visa status for employment, you may have a harder time getting employed. Here is what I consider the greatest quote of G.B. Shaw for such applicants: "When I was young I observed that nine out of every 10 things I did were failures, so I did 10 times more work." Forget fairness: No one said that the world is fair. The world owes you nothing. You have to make your mark here by your own efforts, merit, and ability. Personal domain name: Register a domain with your first and last names and connect it (URL forward) to your LinkedIn profile. For example, if your name is John Smith, register www.JohnSmith.com and forward the URL to your LinkedIn profile. Downloadable resume: Create an option to download resume there (do this by providing a link for download from a site like www.Box.net ). Read books: Books like How to make people like you in 90 seconds or less.

Avoid foot in mouth syndrome: Think from the interviewer's point of view. What will impress him or her? Oh, how many interviews were lost because people said something silly on the phone! Don't fall in love: The ﬁrst line / gatekeepers, namely the HR assistants are usually young and pretty or handsome, and they are real nice to you, but you went for a job, not for a date, remember? Don't get fooled: Some interviewers are so soothing and empathetic, they will have you spilling all your secrets in 10 minutes. Yes, the person may be nice, but he / she is not your shrink, OK? Practice discretion: No, you will not lie in an interview, or alter your resume, but give out only so much information as necessary. Be your own greatest advocate, agent, cheerleader, and lawyer. This is an interview, not a court trial! One common sentence that I see repeated due to frustration by unsuccessful job seekers is:

"Oh, it is who you know, and not what you know, these days. People do not care for talent any more."

Don't become a bitter person. The people who get jobs are those who deserve to get them, because they put in the time, effort and energy. It is not a matter of competence alone, but a matter of compatibility, as well. Yes, some people get jobs by connections or referrals, but the logic may be that a known devil is better than an unknown devil, and hiring by referrals increases the chances of getting trustworthy candidates. Birds of the same feather may party together, but it is OK for you to get invited to that party too! Find your niche, ﬁnd an opening by trial and error or by research, and get an additional advantage yourself -- that is what we call as "Competitive Advantage" in business. There is no perfect way to ﬁnd a job, and you cannot predict what will get you your next job. I have had interview calls in the past from the least expected sources, or from applications submitted long in the past. The job search can get frustrating, especially, if you see your peers getting ahead. You may begin to wonder what is wrong with you. Don't worry. Just like that frog which fell in a bucket of cream, and did not drown because it struggled so hard, that the cream turned solid, you have hope as long you are trying really hard to succeed. So cheer up :)

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On average, renovations are getting bigger, and people are tending to want high-end, quality products. A continuous upgrade approach is popular with fewer people waiting several years between projects. With children staying home longer and an increased desire to care for the aging parents within our homes, there is a subtle upswing in requests for multi-generational suites. Similarly, wider doorways and entrances, non-skid ďŹ&#x201A;oors, lever handles and safety rails are more frequently requested. RetroďŹ tting to improve air quality and energy efďŹ ciency is important, particularly during major renovations. A popular home addition coming out of Europe is a scullery, or as it is sometimes called, a 'dirty kitchen'. A scullery is typically about half the size of the home's eat-in kitchen, and allows the host

to hide the messier aspects of cooking from guests while entertaining. It features a big sink for cleaning, a large cutting/preparation area and storage for appliances and oversized items. Other European trends include appliances in vibrant hues. And, rather than traditional large refrigerators, ultra-modern kitchens are now featuring smaller units, such as under-the-counter pullout freezers and cooler drawers for fruits and vegetables. If you are seeking the best return for your renovation dollar, your top three renovation choices remain unchanged: kitchen renovations, bathroom renovations and interior painting. According to the Appraisal Institute of Canada's 2004 Home Renovation Survey, these upgrades will net you a return in the range of 70 percent to100 percent of your investment. Call Before You Dig

Is your home improvement investment worth the effort and expense? I can help you understand what your planned home renovation may do to improve your home's resale value in today's market. Home improvements, be they decorating, designing or renovating, are becoming almost as common as the annual summer holiday! However, like clothes, shoes and diets, fashions change. What's the new best thing? HERE'S WHAT THE EXPERTS ARE SAYING:

Hot, Not Bothered Inexpensive Home Heating Tips

The dramatically rising cost of home heating is a bothersome concern for most Canadians. Heating your home efficiently this winter will be the key to keeping your energy costs under control. Here are some quick, easy and, most importantly, inexpensive ways to maximize warmth and minimize impact to your pocketbook: ADJUST YOUR PERSONAL THERMOSTAT: Wear a sweater and dress warmly around the house. When you're stationary, watching television or reading, you're most susceptible to a chill, so toss a throw around you. Since hot air rises, resist the icy influence of cooler floors with thick socks or slippers. ADJUST YOUR HOME THERMOSTAT: It goes without saying that the less energy you use, the lower your heating bills will be. Set your thermostat at 21°C when you're home awake, 18°C when you're sleeping and 15°C when you're out of the house. Purchase a programmable thermostat to reduce your heating bill by as much as 20 per cent. LET THE SUN SHINE IN: While up to 25 per cent of your home's heat is lost through its windows, they are also a source of solar warmth. During daylight hours, keep your drapes open and let the sun help heat your home. Insulate your windows with plastic film to reduce heat loss by 50 per cent. Insulating curtains are expensive, but pay for themselves within 7 years.

SEAL THE LEAKS:

Caulk, seal and weather strip around windows and doorframes, baseboards, ducting and electrical outlets to save up to 20 per cent on your heating bill. Remember to close your fireplace flue when you're not enjoying a fire. Install a door sweep to resist against under-the-door drafts. Turn off the heat supply and close the door to unused rooms, such as a guest bedroom. Close interior doors leading to hallways or stairways to keep the heat where it's needed most.

CONSIDER THESE SAFETY TIPS WHEN HANGING YOUR OUTDOOR SEASONAL LIGHTING: POWER DOWN:

Before working with outdoor wiring, turn off the electricity to the supply outlet and unplug the connection.

LOOK FOR THE CSA INTERNATIONAL CERTIFICATION MARK:

Ensure that light strings, cords, spotlights and ﬂoodlights are certiﬁed by CSA International and marked for outdoor use or wet locations. HANG 'EM HIGH: When hanging lights outdoors, keep electrical connectors above ground, out of puddles and snow, and away from metal eaves troughs. DON'T NAIL IT: Use insulated fasteners rather than metal nails or tacks to hold light strings in place. BE WEATHER WISE: Remove outdoor lights promptly after the holiday season to avoid damage caused by extended exposure to harsh weather conditions.

TIME IT:

Use an outdoor timer certiﬁed by CSA International to switch lightsonand off. Lights should be turned on after 7p.m. to avoid the electricity rush hour.

THE RIGHT RECEPTACLES:

Whenever possible,connectalloutdoor lighting into receptacles protected by weatherproof ground fault circuit interrupters(GFCI). These can provide protection from electric shock by sensing ground leakage and cutting electrical power.

Hiring a Contractor Whether building a new home or renovating an old one, choose your contractor carefully. Start by writing your project down, including a floor-plan sketch. Ask friends, family and neighbours about good and bad contractors. Select several contractors and arrange to meet with them. During the meeting, ask each of them: 1) How long have they been in business 2) What experience have they with projects such as yours 3) Their registration numbers for trade associations, the Better Business Bureau, Workers' Compensation and private liability insurance Reputable contractors will gladly answer these questions. Avoid those who balk. Have the contractor supply at least three references. Ask these former clients about their experienc-

es and, if possible, visit their projects for a ďŹ rst-hand look. Ask your local Better Business Bureau if there have been complaints and how the contractor handled them. A major project may require professionally drawn plans. Instead of hiring an expensive architect, pay one prospective contractor to draw them. Then you'll own the plans outright and can show them to other bidders. Welcome suggestions. An experienced contractor may have good ideas you never thought of.

Each estimate should state prices for labour, materials (including brand and model names where applicable), and all other expenses. It should also describe the warranty. Don't necessarily choose the lowest bid. Ensure that yours includes: The contractor's name, address and telephone number, along with registration numbers of the ďŹ rm's operating licence, memberships in trade associations or the Better Business Bureau and Workers' Compensation. Also include details of private liability insurance coverage. You could be held liable if insurance doesn't cover an injured worker. If subcontractors are involved, the contract should list similar information for them. A detailed listing of the work to be done and all products to be used. The contract could specify either a set price, to which the contractor is com-

mitted regardless of unforeseen complications, or a cost price, which allows the contractor to charge extra for such problems. An hourly rate for labour. This is most important in a cost-price contract, but is also necessary in a set-price contract, in case you decide to change the plan after work has begun. A schedule for payments. Pay only a nominal deposit before work has begun. Then, arrange for payments as work progresses. Avoid scheduling payments for predetermined calendar dates. Instead, pay as each stage is completed.

Never sign a partial or blank contract. Any later changes should be added in writing and signed by both parties. During the project, deal directly with the contractor rather than the tradespeople. Handle problems as they arise and be reasonable. Be considerate of the contractor's needs, such as parking space for work vehicles. CALL US FOR

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Canada's

Job Market

'Has Slipped Into Recessionary Territory' The Huffington Post Canada Canada’s labour market “has slipped into recessionary territory,” Business In Canada magazine declared this week. An article from editor Lucas Kawa notes that Canada’s core working-age population has been growing faster than the total number of jobs in recent months. “Taking a long-term view, 66 percent of the months in which this occurs are associated with a recession,” Kawa writes.

“In a healthy economy, one would expect the rate of job creation to outstrip the growth of the core-age population.” By Kawa’s calculations, full-time employment is up just 0.1 per cent over the past year, a fraction of the jobs Canada would have to create to keep up with population growth. StatsCan’s latest unemployment report was just the latest in a series of disappointing reports this year, showing private-sector employment shrinking by 118,000 jobs -- the largest loss on record. That was offset by an increase in self-employment of 87,000, but it’s unlikely that many of those who declared themselves “SELF-EMPLOYED” are earning a stable income. The nasty numbers don’t mean Canada is in a recession or is about to enter one -- but they do mean the country’s unemployed have limited

options, not unlike in a recession. Kawa suggests Canada could be seeing a “mid-cycle slump” in job creation, as was seen in the mid-1990s when the country's economy was growing but job growth was sluggish. Canada's employment rate essentially the percentage of the population with a job - has been steadily declining for the past few years. Economists are split on whether this is due to working-age people leaving the workforce because of a lack of work, or due to aging Baby Boomers retiring. Recent data suggest both factors are at play. This latest slump in jobs is happening at a time when the support structure for the unemployed is growing weaker. In recent years, little more than a third of Canadians who lose their jobs have qualiﬁed for Employment Insurance. In Toronto, where the unemployment rate sits at 8.9 per cent, fewer than one in ﬁve qualify. The upside to this is that the Conservative government is expected to announce a cut to EI premiums. The Tories say this will reduce the tax burden on companies and consumers and will spur hiring.

SELF-EMPL YMENT

DON PITTIS

the cash-starved Canadian Dream RELATED STORIES i) Can't ﬁnd a job? Then make one, youth told ii) Self-employed slow to take up employment insurance iii) Generation Screwed: Youth struggle for jobs, home ownership

"What I find most interesting is the number of students who are not looking for a job at graduation." That slightly outrageous comment from the outspoken Sean Wise, professor of Entrepreneurship at Ryerson University, came before we got the latest jobs numbers from Statistics Canada, which showed the economy shed 46,000 jobs in December. As has been the case for a while now, the number of unemployed — especially those in the 15 to 24 age bracket remained stubbornly high. Wise wasn't saying kids nowadays are lazy. Instead, he's suggesting they want to work for themselves, not for somebody else. They want to be self-employed.

DO IT YOURSELF "Amongst Millennials there seems to have been this paradigm shift where less students are looking for the credentials leading to a full time job and more students are looking for the knowledge, skills and experience they need to start their own businesses," says Wise. The concept is appealing. It turns responsibility on its head. Instead of the economy having to create jobs for young people, young people use their sparkle and drive to create jobs for the economy.

It is the New Canadian Dream. Rather than walking into the jungle at 17 and finding a diamond mine like Uncle Ben in Death of a Salesman, today's 17-year-old Canadian walks into Waterloo and invents a million-dollar app. The model certainly fits with the modern business-driven ethic celebrated by right-of-centre governments and the business press. But you don't have to be right-of-centre to benefit if Wise's "paradigm shift" is a success. Self-employment makes up about 16 per cent of all jobs in Canada. And people whose self-employment ventures grow eventually become employers themselves, employers who provide half of all Canadian jobs.

HARSH REALITY Every business journalist has done at least one enthusiastic story about youthful start-ups and successful entrepreneurs. The CBC show Venture used to specialize in the genre. And while there are many anecdotal success stories, the reality is harsher. Herbert Schuetze is an economist at the University of Victoria who studies self-employment, and while he too celebrates its successes, he knows there is a downside.

"A lot of self-employment that we see going on in Canada is sort of employment of last resort," says Schuetze, "I can't ﬁnd a job and so I strap a lawn mower to my pickup truck and now I'm doing lawn services."

Let's help people who want to be self-employed and are willing to take that route YES president Nancy Schaefer

That's exactly where Mike Jamieson fits into the equation. Jamieson went to college to become a municipal firefighter, a great job with a high wages and good benefits. But two years after completing his Seneca College course, he has yet to find a real job. This autumn he strapped a ladder onto his car and set up a Facebook site called TroughGuys that does various handyman jobs outside the home. When the ice storm hit he went out and bought a chain saw.

"The ice storm ruined a lot of trees in the city. It's kinda sad. But it's given me a lot of business," says Jamieson.

Of course he only earns a small fraction of what he'd get in his "dream job" as a ﬁre-ﬁghter. That's why such jobs are called "employment of last resort."

"but it pays the rent and puts food on the table." "Its tough" he says,

In fact, Canadian statistics over the last several decades conﬁrm that as the economy weakens, self-employment grows. The author of the Statistics Canada report Self-employment in the downturn Sébastien LaRochelle-Côté says the data is incomplete, but it appears that the people who are successful at starting new businesses are men over 55. Those are also the people who are also more likely to create jobs for others. LaRochelle-Côté says it does not appear they are starting the new businesses because they are being pushed into it by job loss. Instead they often leave a good job to start a dream project. They are pulled.

EXPERIENCE PAYS OFF That's the story of Toronto's David Himel, who ﬁve years ago started Himel Brothers Leather. There are no brothers, but he sells his high-end leather coats in New York and Tokyo and employs four full-time workers. David Himel of Himel Brothers Leather raised his own capital before starting the business. (Don Pittis/CBC)

One of the secrets of Himel's success, beside years of experience, is that over half a lifetime he had accumulated his own capital, something young entrepreneurs just can't manage. Nancy Schaefer is president of Youth Employment Services, a non-proﬁt charity founded decades ago by the Rotary Club with the happy acronym YES. Having seen youth employment close up she is suspicious of the new Canadian Dream. YES runs a variety of programs to help young unemployed people create their own jobs but she says their motivation is quite different from Himel's.

"We have definitely seen a trend towards people having to become self-employed because they have no other option,"says Schaefer. "There is deﬁnitely a trend toward that out of necessity, not out of passion." YES teaches young people how to do a business plan, but the majority come across a serious stumbling block. While interest rates remain low with the stated intention of stimulating business investment, aspiring young capitalists just can't get access to that cash.

"It's highly unsuccessful, it is highly unlikely the bank will provide start-up capital for a new business," says Schaefer.

She insists that if we want want the"paradigm shift" of youth self-employment to work, that is the thing that has to change.

"Let's help these young entrepreneurs. Let's help people who want to be self-employed and are willing to take that route," says Schaefer. "I'm all in favour of leadership by the federal government and large corporations to loosen up the money and help this sector of young people."

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MANSOOR NAQVI Broker of Record

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EXCEPTIONAL REAL ESTATE SERVICES BROKERAGE INDEPENDENTLY OWNED AND OPERATED

MAHMOOD NAQVI

Sales Representative

SHELLEY-ANNE DOWDS

Sales Representative

LAURA FULOP

Sales Representative

SYED HASSAN

Broker

200 Consumers Road Suit 100 Toronto On M2J 4R4

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www.mansoornaqviteam.com

Dir.:416 939 9378 Office: 416 497 9794 Fax: 416 497 5949