CREATING YOUR OWN BUSINESS & MAKING IT WORK FOR YOU – MBE BUSINESS MAGAZINE (A STEP AHEAD)

ISSUE 19 | MAY 2016

MAKE YOUR DESTINATION ST. JOHN’S , YOU’LL BE GLAD YOU DID.

Profile

Shaun Chen How To Create A Business Vancouver Property Assessments Growth Foundations for Canada

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EDITOR'S NOTE Dear Readers, Pilgrims have a favorite part of the Easter story. You’d think it might be the arrival at the tomb by the women or by the two disciples; tombs have historically been the endpoint of religious pilgrimages. But for most pilgrims, it’s later on Easter Sunday, with two obscure disciples walking away from Jerusalem for an unnamed reason. The resurrected Christ appears, but they don’t recognize him. It’s only after their encounter, as Jesus vanishes, that they start to understand Easter. It’s only after their journey that they recognized its significance: “Were not our hearts burning within us,” they asked each other, “while he talked with us on the road?”

We got an incredible response from our readers with our last edition.

The readers gave positive responses on the articles Create Success, Auto Show and You Can Never Succeed. They also appreciated the redesigned layout and the new ideas. We also received overwhelming feedback regarding last issue’s cover.

In May, we are thrilled to have Sissi Wang back in our pages with another article Four ways to make tax time less painful for small business. It’s not an Easter article per se, but it reminded me of that Emmaus journey, mixing pain, joy, and hope.

Our Facebook group is going well so far. Thanks to everyone who has joined in already. We ran into some spam issues with Facebook, so if you didn’t get an invitation yet, please email us at mbe-marketing@mbeforyou.com or call us at 1-866-667-1377.

We’re truly eager to share awe and wonder with you more often than once every month!

Sincerely, Editor In Chief, Aurora Zabala.

Publisher MB Enterprises Editor-in-chief Aurora Zabala Senior Editor Peter Z. Vaisey Managing Editors Steve Montgomery Design Cynthia Tolson A. Khan Z. Zaidi Production, Technology & Print Simon Wilson R.J Advertising S. Hassan Shoeib Kamal Administration Alamdaar Hussein Erum Asghar R. Adil HOW TO REACH US

CONTENTS

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Fax: 1-866-204-6888

05

How to Create a Business

17

Four ways to make tax time...

06

Teamwork and Success

20

World Interest Rates

07

Small Business

22

Ernie Hudson

08

Vancouver Property

27

Movies

Five anticipated movies of the summer

MB Business Magazine is a monthly issue business magazine published by MB Enterprises Ontario, Canada.

28

Men Get Naughty

Printed by Vision Printers

29

Quit Your Job And Travel

30

Depression

Contents © Copyrights 2016 by MB Enterprises, may not be reprinted without written permission.

73

Classified

10 12 15 16

Punctuality, Relationships, Planning, Execution, Results.

Group Effort Is More Effective Than Individual Effort At the mercy of political red tapes.

Assessments go through the roof

MB Global

That add value to your business.

Life Market

Solid growth foundations for Canada.

Profile

Shaun Chen - MP Liberal Party.

Why St. John's

Being the most easterly point in North America.

Dont't leave tax planning to the last minute

Central banks tend to rise rates when the economy is growing Ghostbusters, The Crow, Hollywood and humanity

At the age of 40 - Be Careful!

Why i don't tell people

What causes depression

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IMAGINATIVE OUR SERVICES ATM Solutions Card Solutions Mobile Solutions Account Processing Internet Banking Solutions Automated Clearing House Rewards & Loyalty Solutions Payment Network & Switches Business Intelligence Solutions Information Management Systems Credit & Debit Processing Solutions Electronic Billing & Payment Solutions 04

SOLUTIONS THAT REINVENT BUSINESS ABOUT US MB Global is a software house and IT firm that specializes in providing financial technology solutions to enterprises and firms worldwide.

We serve more than 10,000 clients worldwide with the vision of becoming the largest provider of information technology services to the financial services industry.

For all business inquiries 1-866-667-1377 info@mbeforyou.com www.mbeforyou.com

How to create a

BUSINESS

Courtesy: MANSOOR NAQVI President MB Enterprises

The meaning of a Business is to make

create strong bonds with your colleagues

When you sit in the car you map out a

space in the premises and to save and

at work. If your colleagues do not trust you

direction and use this to reach from point A

create revenue. Is there anyone that is

and do not respect you then you will never

to point B. Every single person has the

thinking about why you have not achieved

be able to achieve anything with them.

ability to achieve what they set out to as

your goals and why you are not at a point

long as they have a proper plan and

in life where you are satisfied? There are

Planning: Planning is very similar to

some major factors that a person needs to

organizing data. For example; if you are

follow and work upon diligently. The

working in an office then every day you will

Results: In the field of marketing you will

following points will help you create stability

learn something new and it is your

always hear about how you have to collect

in your life and help you achieve the

responsibility to compile this new

both “no’s” and “yes”. One of those is seen

success you have been striving for.

information and data you are receiving. The

as a positive result and one is seen as a

strategy for execution.

example I always give to my marketing

failure. In my world both of them are your

1.

Punctuality

team is that if you are meeting new people

results. So never be sad when you fail

2.

Relationships

every day consider this as gathering data.

because it is a part of learning. When you

3.

Planning

This data if you compile and follow up on

start something never leave it incomplete in

4.

Execution

properly you will be able to achieve the

the middle. If you take it to the end you will

5.

Results

results you have set out to achieve.

always learn something and will never be depressed.

Punctuality: If you are working you have to

Execution: Execution is vital in our

dedicate yourself to what time you will start

everyday lives and work places. In my eyes

My message to you today is, when you

the work and how you will mange the day

execution refers to planning a strategy and

dream about something and make a plan

effectively. Never delay the work for

delivering upon it. For Example:

to achieve it you have to take it all the way

tomorrow because tomorrow never comes.

Whoever is reading the article everyone is

till you have achieved success without

executing one thing. Executing a plan can

giving up.

Procrastination will always let you do down

be as simple as driving to somewhere.

and will not help you get anywhere in life. If this is a problem one must rectify it in order to produce maximum person efficiency.

Another tip to fix yourself is what time you are starting your job. If you are always early you will be the best performer. If you are on time you will go to the next level and if you are late than you are just passing time

PUNCTUALITY

RELATIONSHIPS

RESULTS

EXECUTION

PLANNING

in life.

Relationships: Finding strong, trustworthy and lasting relationships are a major key towards success. If you find that you are not able to convey your message to your own family and feel the need to hide information from them then you must fill this gap. Along with family it is also vital to

MB BUSINESS MAGAZINE MAY 2016

05

TEAMWORK and SUCCESS

Courtesy: MAHMOOD NAQVI Vice President MB Enterprises

Working as part of a team is an essential

you are ever trying to expand your

Improving Others = Improving Yourself

part of character building. It is not an easy

business and move on to the next level

If you are working as a team the people

task building a team and managing a team.

having a strong core team is very

around you in the team will try and emulate

When building a team one must first set

important. The most impressive feats are

you. If you work hard and set the bar high,

themselves as an example to follow.

accomplished by groups of people, not

then others will follow this example. Most

When it comes to working as a team there

individuals.

people also have a competitive spirit and

must be no excuses and one must be

this is fueled more when they see others

willing to step above and do the job

Leadership

around them succeeding. So if you set a

whenever they are required. The

The purpose of a leader is to work with the

good example for the team they will follow

development of a team comes with time

people to find solutions that work best

you. This will work both ways as it will also

and effort and a developed team can take

collectively. Leaders bring people together.

inspire you to do better in order to be a

upon any task that they are presented with.

The best leaders don’t act with a sense of

good example for others.

superiority or try to patronize the people Group Effort Is More Effective Than Individual Effort

working for them; they act like a father.

Attitude Matters You should be the kind of person who

Small business ventures can be

wants to be a team player. People respect

run independently,

the ability to work well with others more

however if

than anything. Your individual actions have an impact, but if you’re reluctant to do something to help your team, it’ll have a negative impact on whatever task you are trying to complete Don’t Ever Think There is No Team The amount of work you put in with your team will directly result in more success.

And always remember: the success of your team is your success.

06

MB BUSINESS MAGAZINE MAY 2016

Small Business at the mercy of POLITICAL

RED TAPES

Courtesy: ALLAN LANTHIER

Liberal Party of Canada recently suggested

example, professionals who may

for business expansion. But with close to

that while small businesses should indeed

incorporate primarily to avoid personal

700,000 small businesses claiming the

be paying a lower corporate tax rate, the

taxes and access the lower corporate

lower rate, the aggregate cost is significant

rules should be tweaked to ensure that

rates), and that an incorporated small

indeed.

wealthier Canadians don’t use the lower

business may benefit from income splitting

rate simply to reduce their tax bills. The

and other tax-planning arrangements.

suggestion precipitated howls of outrage

Britain faced a similar problem. In 2006, its general corporate rate was 30 per cent,

from other political parties and business

It is also true that there is no tax rule

versus a small profits rate of 19 per cent.

advocacy groups. But liberals’ comments

requiring that savings from the lower rate

The 2007 budget announced a reduction

invite debate on a broader issue: Is it time

be invested in the business. However,

in the general rate and an increase in the

to abolish the preferential rate altogether?

Industry Canada estimates that 70 per cent

small profits rate, to reduce the differential

of Canada’s non-government labour force

between incorporated and unincorporated

The small-business deduction reduces the

is employed by small businesses, and so

businesses, and to discourage individuals

federal tax rate on the first $500,000 of

surely a few percentage points of tax (and

from “incorporating as small companies to

annual business income earned by a

a bit of tax planning by wealthier

avoid paying their due share of tax.” In April

Canadian-controlled private corporation (or

Canadians) is a small price to pay to

of this year, Britain repealed the small

by an associated group of such

encourage job creation and economic

profits rate altogether, and all British

corporations), provided taxable capital

growth. Or is it?

corporations are now taxable at the general

does not exceed $10-million. The federal

rate of 20 per cent.

small-business rate is 11 per cent, and the

Based on Department of Finance

general federal rate is 15 per cent, a

estimates, the existing four percentage

There is no doubt that small businesses

four-percentage-point differential.

point differential reduces annual federal tax

are critical to job creation and economic

revenue by more than $3-billion. If the small

growth in Canada. But it is precisely

The 2015 Canadian federal budget last

business rate is further reduced to 9 per

because they are so critical that it is

year announced a further

cent, the annual cost will be more than

important that tax incentives be as targeted

two-percentage-point decrease in the

$5-billion. This is a significant cost that

and effective as possible. The

small-business rate (to 9 per cent) to be

other taxpayers must bear, and there is little

small-business rate is neither, and it is time

phased in over four years. The New

if any economic evidence supporting the

to stop spending billions of dollars of our

Democrats have also proposed a

proposition that the lower tax rate

federal taxes every year on a program of

9-per-cent small-business rate, and the

contributes to job creation in any significant

such dubious merit.

Liberals also seem comfortable with the

way.

The Canadian economy – small

general concept of a lower rate. Rarely has such a simple issue been misunderstood by so many.

It is true that many small businesses have only one or two employees (including, for

MB BUSINESS MAGAZINE MAY 2016

businesses included – would be better This is not surprising: A small business that

served by a complete repeal of the lower

takes full advantage of the lower rate this

rate, replaced by targeted measures such

year would save just $20,000 (4 per cent

as tax credits and accelerated deductions

of the $500,000 limit), hardly a springboard

for capital expenditures by small business.

07

Vancouver property assessments go

THROUGH THE ROOF

Courtesy: NAOIBH O’CONNOR

Assessed values of both Vancouver east

provided by B.C. Assessment, a West

told the Courier.

and west side single-family properties

Side low-rise strata unit increased by 8%

“What really contrasts this year as well is

climbed dramatically over the past year,

from $615,000 to $662,000, while the

the strata market would really be down in

according to B.C. Assessment.

value of an East Side high-rise strata

that five to 10% range, so it’s not moving

increased 6% from $381,000 to

the same amount. It’s a significant contrast

$405,000.

this year.”

of some individual assessments including

“The real standout [in Vancouver] this year

Grant added that in any given year there

one for an East Side, single-family, 33-foot

would be the market movement for

might be extreme pockets of movement,

lot, which jumped by 28% from $993,000

single-family properties. You would

but what’s notable this year is that the

to $1,267,000, and one for a West Side,

probably have to go back — if you went

assessed value of the majority of

single-family, 33-foot lot that rose by 23%

back to 1980, there’s probably only two or

single-family properties across Vancouver

from $1,575,000 to $1,940,000.

three other times when single-family

climbed by between 15 and 25% — and

properties in Vancouver have moved by

some in excess of that figure.

It released its annual assessment figures January 4 and it provided a few examples

Assessed values for strata properties didn’t

this much this quickly,” Jason Grant,

grow nearly as significantly. In one example

regional assessor for B.C. Assessment,

The fact many East Side residential properties, on a percentage basis, outperformed West Side ones also doesn’t happen very often, he said.

Property owners should note that the assessment roll reflects market values as of July 2015 and the value of many single-family properties have grown — in some cases significantly — since then.

“So the other big difference this year is people might open their assessment and it’s reflecting July values and their values might have risen fairly dramatically since then depending on whereabouts they’re located. That also doesn’t happen very often to that degree,” Grant said.

08

MB BUSINESS MAGAZINE MAY 2016

B.C. Assessment sent 37,000 warning

Vancouver, Burnaby, Tri-cities, New

Typically, only 1-2% of property owners ask

letters, in a province of more than

Westminster and Squamish also saw large

for a review of their assessment, a figure

2,000,000 property owners, advising of

assessment increases in the 15 to 25%

that usually doesn’t change even in years

extreme changes in assessments — that

range, but assessed values of single-family

where assessment values rise significantly.

is, if a property’s assessed value was going

and strata properties outside the Lower

A notice of appeal must be filed by

up more than 15% above the typical for the

Mainland didn’t grow as much. They

February 1.

taxation jurisdiction.

ranged from 0-10%.

Grant said 22,000 of those letters went to

Overall, the Greater Vancouver region’s

automatically translate into a corresponding

property owners in the Greater Vancouver

total assessments increased from $546.7

change in taxes.

region.

billion in 2015 to $636.2 billion this year.

“If the typical was 25% in a particular

Assessments are in the mail this week, but

jurisdiction, we would send letters to

they can be found online already. B.C.

people who went up 40% or above,” he

Assessments’ e-valueBC service went live

explained. “… You probably wouldn’t get a

January 1.

Grant said changes in assessments don’t

“It’s going to depend on where you are relative to the average,” he said.

So, what should property owners expect next year?

“We are already, believe it or not, six

letter in Vancouver unless you were going up more than about 40%. If you’re in the

It’s been overhauled since last year. Now

months in towards our next valuation cut

20 to 30% range or the 25-35% range that,

it’s map-based, so you don’t have to know

off of July 2016 and the market has moved

believe it or not, is fairly typical.”

the address of a property — you can

significantly already since July. So if it

simply click on it. The site allows users to

keeps on this trajectory, there will be an

Assessments for single-family properties in

check other properties’ assessed values

increase again next year for 2017,”

many Lower Mainland communities

and compare them to their own.

Grant said.

including North Vancouver, West

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MB BUSINESS MAGAZINE MAY 2016

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MB BUSINESS MAGAZINE MAY 2016

11

Solid growth foundations for Canada’s

LIFE MARKET Despite historic low interest rates, there are

factors expected to drive growth in the

several factors expected to drive growth in

Canadian life insurance market include:

the Canadian life insurance market by

Courtesy: RONAN MCCAUGHEY suit customers' needs.

Innovative product development: Demand

2018 including insurers' strong capital

Strong capital base of insurers

for products has changed with the

base and innovative product development

Revised eligibility criteria for old age securit

changing economic environment, with

Rising employment and increased consumer confidence, together with insurers in Canada adopting innovative pricing and risk-averse strategies for their products, mean the gross written premium of the Canadian life segment is expected to increase from CAD53.4bn ($43.4bn) in 2013 to CAD63.6bn by 2018.

This is one of the highlights from the Timetric report, Life Insurance in Canada, Key Trends and Opportunities to 2018, which is available at the Insurance Intelligence Center.

Life insurance is the largest segment in the Canadian insurance industry, accounting for 39.8% of its gross written premium in 2013. It is also the most developed segment, with a penetration rate of 2.3% in

Innovative product development Increasing life expectancy Strong capital base of insurers: The Canadian life segment is open to foreign insurers and therefore has access to capital from foreign sources. The minimum continuing capital and surplus requirement (MCCSR) ratio (which measures an insurer's capital strength) among Canadian life and health insurers stood at 242% in 2013 - significantly above the minimum requirement from the Office of the Superintendent of Financial Institutions (OSFI) in Canada of 150%.

A sufficiently-capitalized life insurance segment is expected to present a stable performance with minimum systematic risk over 2013-2018.

insurers introducing customized policies to suit customers' needs.

For example, Manulife Financial Corporation launched Manulife UL in May 2014, a universal life plan which provides both life insurance and investment benefits.

Under this plan, the insurer can select the level cost of insurance and a yearly renewable term. Customers can choose between a professionally managed balanced fund and customized investment option.

Increasing life expectancy: A World Health Organization report states that the life expectancy for men in the country increased from 74 years in 1990 to 80 years in 2013, while for women it rose from 81 to 84 years.

Rising life expectancy is expected to

2013.

Revised eligibility criteria for old age security:

However, the segment posted a

The government has increased the age

compound annual growth rate (CAGR) of

eligibility criteria for old-age security (OAS)

There are also several challenges facing

-0.2% during 2009-2013 to reach a value

and guaranteed income supplement (GIS)

the Canadian life insurance market. These

of CAD53.4bn in 2013. The segment's

benefits from 65 to 67 years, with effect

include:

decline was associated with prolonged low

from April 2023.

interest rates, rising levels of household debt and weak economic development.

contribute to the Canadian life segment's growth over 2013-2018.

A persistent low interest rate The change will enable individuals to plan

Increase in underwriting losses

retirement solutions in advance and Looking ahead to 2018 though, the main

12

encourage insurers to launch products to

MB BUSINESS MAGAZINE MAY 2016

A persistent low interest rate:

In a report titled Canada's Growth Offsets

2013 which offers customized financial

The benchmark interest rate has remained

Turbulent Industry Climate, A.M. Best said:

protection to policyholders.

at 1% since 2010. However, the Bank of

"While continuing to concentrate on

Canada's initiative to stimulate economic

investments, life insurers have reinvested

As a participating policy, the plan provides

recovery had a negative impact on life

organically as well as through acquisitions

dividends to the insured that can be used

insurers' earnings during 2009-2013.

in chosen growth areas. Reduced leverage

to increase cover, decrease premiums, or

and refinancing of existing debt also have

can be received in cash.

According to the IIC, insurers are suffering

been positive rating factors for the

from reinvestment risk as assets are

industry."

reinvested at lower interest rates, yielding

The policy provides built-in children's term insurance, a quit-smoking incentive and

lower returns. Consequently, insurers will

Consumer segmentation

find it hard to sell new policies when

Individual life products dominated the

unemployment rate is also encouraging for

promised returns will diminish.

Canadian life insurance market with 95.5%

life insurers in Canada.

convenient pay periods. A recent fall in the

of the volume of products in 2013, Increase in underwriting losses:

according to the IIC.

Distribution The Canadian insurance distribution

Canadian life insurers are suffering from a reduction in income due to low interest

Group life products accounted for the

network has undergone a shift during the

rates coupled with underwriting losses due

remaining 4.5%. However, in terms of

last two decades, with the advent of new

to a high combined ratio.

gross written premium, individual life

distribution platforms and the internet.

insurance accounted for 80.8% of the The combined ratio of the life segment rose

overall segment, while group life accounted

During the 1980s and 1990s, all Canadian

from 98.1% in 2009 to 118% in 2013 due

for 19.2% in 2013.

life insurance policies were sold by captive agents. Some firms such as State Farm,

to a rise in commission and expenses. The combined ratio is expected to remain at

To target the individual segment, Forresters

Co-operators and Primerica still distribute

more than 100% between 2013 and 2018,

Life Insurance Company introduced Family

life policies through captive agents.

which is likely to put pressure on the overall

life, a whole life insurance product in April

earnings of life insurers.

A.M. Best notes that despite the continuing low interest rates and a lagging economic recovery, the Canadian life industry's overall profitability increased in 2013 for the third straight year.

The ratings agency said the industry benefited from strong equity market returns and a benign credit environment, as well as self-directed actions such as re-pricing products and focusing more on fee-based income.

According to A.M. Best, the Canadian l life insurance sector continues to benefit from solid risk-adjusted capitalization, risk-focused decision making by management, improved earnings with low credit impairments, strong growth in assets under management and an ongoing focus on wealth management.

MB BUSINESS MAGAZINE MAY 2016

13

Aside from selling life insurance products

This restricts Canadian banks from using

Through the issued regulatory framework,

directly to customers, distribution channels

their client databases to cross-sell

the OSFI is seeking feedback and

such as brokers, banc assurance,

insurance.

consultation from various stakeholders.

life insurers to generate new businesses in

However, the number of bancassurance

The proposed regulatory initiatives are

2013.

channels rose from 54 in 2009 to 64 in

expected to overhaul the existing life

2013.

insurance regulatory framework in the

agencies, ecommerce and others enabled

Agencies were the largest distribution

country in terms of corporate governance,

channel for the life segment with 61.3% of

Regulation

the new business gross written premium in

Canada is a federal state consisting of 10

of life insurance companies operating in the

2013.

provinces and three territories. The

country.

risk management and capital requirements

Canadian insurance industry is regulated The number of agencies rose from 9,515

on both federal and provincial levels.

Competitive landscape Canada's life segment is dominated by

in 2009 to 10,423 in 2013, as they have close relationships with insurers and

In addition to the federal insurance

domestic insurers. The segment is highly

pension providers, and operate in insurers'

regulator, OSFI, there are regulators for

concentrated, with the 10 leading

interests.

each province and territory.

companies accounting for 97.1% of the

However, the number of policies sold

However, in order to maintain uniformity in

through agencies fell from 6.8m in 2009 to

insurance regulation across Canadian

Manulife Financial dominated the segment

6.3m in 2013, due to the emergence of

provinces and territories, an

with a 36% share in 2013, and the three

new cost-effective distribution channels

interjurisdictional association of insurance

leading operators, Manulife Financial,

such as e-commerce. Furthermore, the

regulators called the Canadian Council of

Great-West Life and Sun Life Financial,

share of agencies is expected to decline to

Insurance Regulators (CCIR) was set up in

collectively accounting for 87.7% of the

60.7% by 2018.

1914.

segment's total gross written premium.

Brokers were the second-largest

The regulatory frameworks at the federal

Maintaining market share for leading

distribution channel, accountÂŹing for

and provincial levels differ. A company

companies is challenging, and requires a

32.5% of the new business gross written

operating in more than one province is

constant focus on cost-efficiency and

premium in 2013.

regulated by the federal regulation, but it

product innovation.

segment's gross written premium in 2013.

has to obtain a licence in each province in The number of policies sold through

which it carries out the insurance business.

Low interest rates and volatile equity-market conditions are also

brokers fell from 3.8m in 2009 to 3.4m in 2013; however the number of brokers rose

OSFI also regulates the established foreign

prompting companies to re-examine their

from 18,356 in 2009 to 19,600 in 2013,

insurance companies and the branches of

product and pricÂŹing strategies.

driven by the performance of the life

foreign insurers licensed to conduct

segment during the review period.

insurance business in Canada.

Direct marketing was the third-largest

In order to strengthen the existing

investment income in 2013 compared to

distribution channel in 2013 in terms of

regulatory framework for federally regulated

2012.

new business gross written premium.

life insurance companies, OSFI released

Manulife Financial, Great-West Life, Sun Life and Standard Life recorded declines in

Unlike Europe, where bancassurance is

the new Life Insurance Regulatory

Overall, the future growth prospects for the

Framework in September 2012.

segment will depend on insurers' approach to issues, such as streamlining cost

well developed, Canada has a strict

14

demarcation between banks and life

The new framework proposed many

structures and focusing on consumer

insurers. Even banks that own life

changes in the existing regulatory

behaviour.

insurance businesses are not permitted to

framework, which are to be implemented

actively promote products.

over a period ending 2016.

MB BUSINESS MAGAZINE MAY 2016

SHAUN CHEN MP Liberal Party

“Named by Maclean's magazine as one of "100 young Canadians to watch," Shaun Chen is a prolific community leader who has articulated with passion the voices of his generation – a characteristic he will continue as representative for Scarborough North.

A lifelong advocate for children and youth, Shaun was first elected to the Toronto District School Board (TDSB) in 2006 as Trustee for Scarborough–Rouge River. As Trustee, Shaun championed programs to support newcomers, launched an annual tree planting initiative in the Rouge Park, and initiated a popular leadership training program for parents. In 2014, Shaun was elected Chair of the TDSB on a pledge to restore transparency and accountability at Canada's largest school board. He has served as director of the Ontario Public School Boards' Association and member of the City of Toronto Children's Services Advisory Committee, where he worked to support a multi-year strategy to expand Toronto's child care system.

Shaun holds a BSc in Computer Science and Equity Studies and an MA in Sociology in Education from the University of Toronto, and is currently a PhD student in Social Justice Education at the Ontario Institute for Studies in Education.”

15

WHY ST. JOHN’S ?

Colourful Experiences.

Colourful Characters.

Colourful Encounters.

Courtesy: ERUM ASGHAR

BEING THE MOST EASTERLY POINT IN NORTH AMERICA HAS ITS ADVANTAGES. For starters, we have our very own time

while embracing eclectic sophistication.

memorable, in a place where strangers

zone. In Canada, the sun rises first on

When in St. John’s, you hear your fair

quickly become friends, and the local

Newfoundland and Labrador. We’re the

share of tall tales and yarns, and that’s not

vernacular has you smiling and scratching

closest province to Europe, which means

all. As you walk through the winding

your head all at once. Performances

St. John’s harbour is a safe haven for

alleyways of our vibrant downtown, you’ll

abound: sing along. Toe tapping is

transatlantic travelers and a bustling

encounter fashionistas, chefs, musicians,

welcome.

Conferences, conventions, meetings, events – with superb facilities and amenities, and a knack for hospitality that can’t be beat, St. John’s is an excellent choice, one of

commercial port. We’re the youngest – and

the best in the world!

coolest – province in Canada, home to the oldest street in North America, and we’ve

Here’s something that

been welcoming adventurers from all

might surprise you:

corners of the world for over 500 years.

A city rich in culture, we honour tradition

and more, all elements of a colourful

those who attend conferences in St.

tapestry of experiences unfolding before

John’s tend to travel with more people and

your eyes.

stay longer, on average, than when they

Thirsting for adventure? It’s easily

travel to other destinations. St. John’s

quenched by skirting the dramatic coastline

hosts an average of 95 conferences per

on foot, or enjoying a day on a boat on the

year.

bay having close encounters with humpback whales, puffins, or icebergs

"Colourful experiences. Colourful

(and maybe all three!). Beautiful vistas,

characters. Colourful encounters. Make

unique culinary pleasures, and unique

your destination St. John’s - you’ll be glad

architecture are just tiny slices of an urban

you did."

experience that will feel like no other. But it’s the colourful characters who are most

16

MB BUSINESS MAGAZINE MAY 2016

Four ways to make tax time less painful for

SMALL BUSINESS

Courtesy: SISSI WANG www.canadianbusiness.com To circumvent this problem, DiNovo would

business owners’ concerns about

2. Have a sit-down discussion with your accountant

accounting matters for 16 years. At his

DiNovo encourages business owners to

where they only need to spend one to two

firm, the Certified General Accountant —

hold face-to-face meetings with their

hours each month to keep their books up

who also vlogs about tax planning on

accountants when they relay their financial

to date. This makes the work much easier

YouTube—has witnessed numerous cases

information. Busy entrepreneurs often just

during filing time, and avoids accounting

where a stressed client approaches him for

drop off their documents at their

mistakes.

help in tax planning just days before tax

accountant’s office and leave. But DiNovo

returns are due—at which point it’s far too

says a one-on-one meeting allows him to

late for any real planning. It’s no wonder

discover additional information that could

4. Stay off the Canadian Revenue Agency’s radar

these entrepreneurs find filing taxes to be a

save his clients money.

Make it a priority to pay your tax

Ian DiNovo has been settling small

set up a spreadsheet system for his clients

instalments on time in order to stay off the

terrible exercise. DiNovo, however, believes with a bit of forward thinking and regular

For example, if he learns his client is

CRA’s radar, says DiNovo. The

bookkeeping, it can be a less painful task

planning to borrow money to invest in

consequences of not paying your dues on

for small business owners. Here are his

properties, he can structure the investment

time can be severe, he says. Business

four top tips:

in a way that would grant them a bigger tax

owners may be selected for an arbitrary

write-off. This would only work if his client

assessment, where the CRA will personally

told him about it before the purchase is

audit their finance if they don’t respond to

made.

the agency’s calls and letters. It usually

1. Don’t leave tax planning to the last minute “If your business’s filing due date is March

ends up being ten times the amount the

or April, then now is not the time to do tax

3. Keep your accounting up to date

business owner actually owns, and they

planning,” says DiNovo. Tax planning (a

“Business owners get too involved in

end up giving the CRA more money than

plan for how to accomplish all your financial

their business and are not good

they would have originally.

goals in the most tax-efficient way) should

bookkeepers,” says DiNovo. Their books

be done beforehand, during the year, not

are often not up to date, since they expect

near the filing date, he explains. “By

their accountant will help them piece

planning early, I can put more plans in

everything together before the filing date,

place and tax time just becomes a matter

but accountants are busy serving multiple

of filing the actual tax return, rather than tax

clients during tax time, and aren’t going to

planning,” explains DiNovo. He tells his

have as much time to work on a specific

clients that tax time should be strictly for

client’s file then as they would throughout

filing the returns and creating tax plans for

the year, explains DiNovo.

the following year.

MB BUSINESS MAGAZINE MAY 2016

17

CONSERVATIVE AND STABLE BANKING SYSTEM IN CANADA

Courtesy: SYED HASSAN

ANOTHER REASON OF STRONG REAL ESTATE MARKET IN CANADA A FINANCIALLY STABLE AND CONSERVATIVE BANKING SYSTEM Canada has a national banking system with diversified, well-managed institutions.

Canada has a strong regulatory system.

Canada's banks are well-capitalized.

Mortgage lending in Canada is stable and prudent.

A strong and stable banking system benefits all Canadians.

CANADA HAS A NATIONAL BANKING SYSTEM WITH DIVERSIFIED, WELL-MANAGED INSTITUTIONS Canada's banks are well-diversified organizations; investment banks are anchored by solid deposit-taking institutions.

Canada's system of national institutions diversifies regional risk, so a downturn in an individual economic sector is balanced. And a national system contributes to economic growth by moving funds from areas of excess deposits to regions where growth is creating demand for new credit.

Banks in Canada make lending decisions on a case-by-case basis, extending credit to those who have the capacity to repay their loans. This prudent approach is a key reason why banks in Canada have largely avoided the problems that have plagued banks elsewhere.

In a survey by the Strategic Counsel, 81% of respondents believe that prudent lending is a key reason Canadian banks have performed better than their international peers.

CANADA HAS A STRONG REGULATORY SYSTEM

Canada has a streamlined bank regulatory system, with two primary regulators: the Office of the Superintendent of Financial Institutions (OSFI) for prudential regulation and the Financial Consumer Agency of Canada (FCAC) for consumer matters. In contrast, the United Stated has a complex network of different regulators.

Canada's Bank Act is reviewed and updated every five years to ensure the regulatory structure is keeping pace with changes in the industry.

Canada has been recognized by the International Monetary Fund and others as having a sound regulatory system.

CANADA'S BANKS ARE WELL-CAPITALIZED

Banks in Canada are among the best capitalized in the world, exceeding Bank for International Settlements' norms by significant margins. This allows banks to continue lending and provides a cushion against loan losses which tend to increase during economic downturns.

18

MB BUSINESS MAGAZINE MAY 2016

Banks have been strengthening their capital levels by raising new capital from investors in the marketplace.

MORTGAGE LENDING IN CANADA IS STABLE AND PRUDENT

Canada's mortgage market has several fundamental differences from the US market.

Canada does not have the same problems with sub-prime mortgages that have been at the root of the problem in the US. In Canada, the vast majority of mortgage loans are prime.

There are many high-risk mortgage products in the US that do not exist in Canada. These include: adjustable-rate mortgages, with unrealistically low introductory interest rates that can rise substantially; interest-only payments, where the mortgage principal is never lowered; negative amortization payment schedules, with payments that are less than the interest charged; and no-documentation lending.

When American house prices decreased, many borrowers found that their mortgage was higher than the value of their house and unaffordable. Canadian mortgage products have not had these high-risk features and have stood the test of time as interest rates and house prices go up and down. As a result, Canadian homeowners have maintained a healthy amount of equity versus debt in their homes.

Among homeowners with mortgages, the average amount of home equity in Canada stands at 66 percent of total home value.

Canadian lenders tend to hold the mortgages they originate. In the US the model was an "originate to distribute" model (through securitization). Canadian mortgage originators have a much greater incentive to be prudent because they directly bear the consequences of imprudent lending decisions.

In Canada bank mortgages with less than 20% down must be insured. This is not the case in the US.

$ MB BUSINESS MAGAZINE MAY 2016

$ 19

WORLD INTEREST RATES

Courtesy: WWW.FXSTREET.COM

The World Interest Rates Table reflects

as in a perfect scenario, Central Banks

table includes actual rates, latest policy

the current interest rates of the main

tend to rise rates when the economy is

changes and the date of upcoming

countries around the world, set by their

growing and therefore instigate inflation.

meetings / decisions, for the major ones.

respective Central Banks. Rates typically

Rate cuts on the other hand, are a way to

reflect the health of individual economies,

stimulate a struggling economy. The

Major Central Banks Overview Central Banks

Current Interest Rate

Next Meeting

Last Change

Reserve Bank of Australia

2.000 %

4-5-2016 - 04:30

5-5-2015 - 04:30

Federal Reserve

0.500 %

4-27-2016 - 18:00

12-16-2015 - 19:00

Swiss National Bank

-0.750 %

6-16-2016 - 07:30

1-15-2015 - 09:30

European Central Bank

0.000 %

4-21-2016 - 11:45

3-10-2016 - 12:45

Bank of Japan

-0.100 %

4-28-2016 - 03:00

1-29-2016 - 03:00

Reserve Bank of New Zealand

2.250 %

4-27-2016 - 21:00

2-9-2016 - 20:00

Bank of Canada

0.500 %

4-13-2016 - 14:00

7-15-2015 - 14:00

Bank of England

0.500 %

4-14-2016 - 11:00

3-5-2009 - 12:00

South America Country

Current Interest Rate

Previous

Last Change

Colombia

6.500 %

6.250 %

3-19-2016 - 06:00

Peru

4.000 %

3.750 %

1-15-2016 - 00:00

Brazil

14.250 %

14.250 %

7-29-2015 - 23:00

Chile

3.500 %

3.500 %

12-17-2015 - 21:00

Asia PaciďŹ c Country

20

Current Interest Rate

Previous

Last Change

China

4.350 %

4.600 %

10-23-2015 - 12:00

Australia

2.000 %

2.000 %

5-5-2015 - 04:30

India

6.750 %

6.750 %

9-29-2015 - 05:30

Hong Kong SAR

0.500 %

1.500 %

12-17-2008 - 02:00

South Korea

1.500 %

1.500 %

6-11-2015 - 01:04

India

5.750 %

5.750 %

9-29-2015 - 05:30

Taiwan

1.875 %

1.875 %

7-1-2011 - 17:00

Philippines

3.500 %

3.500 %

10-25-2012 - 08:30

Japan

-0.100 %

-0.100 %

1-29-2016 - 03:00

Indonesia

6.750 %

7.000 %

New Zealand

2.250 %

2.500 %

3-17-2016 - 09:00MAY 2016 MB BUSINESS MAGAZINE 3-9-2016 - 20:00

South Korea

1.500 %

1.500 %

6-11-2015 - 01:04

India

5.750 %

5.750 %

9-29-2015 - 05:30

Taiwan

1.875 %

1.875 %

7-1-2011 - 17:00

Philippines

3.500 %

3.500 %

10-25-2012 - 08:30

Japan

-0.100 %

-0.100 %

1-29-2016 - 03:00

Indonesia

6.750 %

7.000 %

3-17-2016 - 09:00

New Zealand

2.250 %

2.500 %

3-9-2016 - 20:00

Europe Country

Current Interest Rate

Previous

Last Change

Iceland

6.500 %

6.500 %

10-1-2015 - 14:00

Romania

1.750 %

1.750 %

7-1-2015 - 08:00

Hungary

1.350 %

1.350 %

7-21-2015 - 12:00

Switzerland

-0.750 %

-0.750 %

1-15-2015 - 09:30

European Monetary Union

0.000 %

0.050 %

3-10-2016 - 12:45

Denmark

-0.750 %

-0.500 %

2-5-2015 - 15:00

Sweden

-0.500 %

-0.350 %

2-11-2016 - 08:30

Poland

1.500 %

1.500 %

3-4-2015 - 12:56

Czech Republic

0.050 %

0.050 %

11-1-2012 - 10:00

Russia

11.000 %

11.000 %

7-31-2015 - 11:00

Norway

0.500 %

0.750 %

3-17-2016 - 09:00

United Kingdom

0.500 %

0.500 %

3-5-2009 - 12:00

North America Country

Current Interest Rate

Previous

Last Change

Mexico

3.750 %

3.250 %

2-17-2016 - 17:15

United States

0.500 %

0.500 %

12-16-2015 - 19:00

Canada

0.500 %

0.500 %

7-15-2015 - 14:00

Africa Country

Current Interest Rate

Previous

Last Change

Egypt

8.750 %

9.250 %

9-19-2013 - 09:00

South Africa

6.750 %

6.250 %

1-28-2016 - 14:00

Middle East Country

Current Interest Rate

Previous

Last Change

Bahrain

2.250 %

2.250 %

1-4-2010 - 08:00

Turkey

7.500 %

7.500 %

2-24-2015 - 12:02

MB BUSINESS MAGAZINE MAY 2016

21

ERNIE HUDSON on ‘Ghostbusters’, ‘The Crow’, Hollywood and humanity

Courtesy: W. ANDREW POWELL

rnie Hudson is an icon, and one of the most compassionate people I’ve ever interviewed. He’s smart and funny, and most of all, just an all around nice guy. Ahead of his appearance at Toronto ComiCon this weekend, I had the chance to speak to Hudson for half-an-hour about his incredible career, including standout films like Ghostbusters and The Crow, on top of his television roles.

Read through the interview to hear what he has to say about the new Ghostbusters film coming out this year, and his part in it, his role in the original film, making The Crow and working with Brandon Lee, and his moving thoughts on the “Oscars so

this morning was one time that I did.”

I heard about that. Yeah.

white” controversy. It’s one of the most personal interviews I’ve had with an actor,

Well that sounds like a good reason.

“Yeah, it’s a great project. Because

and frankly, Hudson makes some

“Yeah. No, no, it’s… I love being active

everyone makes you sign these

wonderful comments on Hollywood, and

more than sitting and looking at the phone

non-disclosure [agreements], or whatever. I

how people should treat each other.

and wondering why nobody is calling.”

happened to talk about a project once and

Ernie Hudson called me Wednesday

Your list of projects certainly shows

morning, but he had to call me back again

that.

“You know what? There’s an article that

an hour later because of some scheduling

“Yeah, yeah. I’ve been very blessed. I love

came out on Deadline. It’s out there about

issues. Once he called me back, here’s

what I do and I’m still blessed to be able to

me joining the cast this morning. You can

how the conversation started.]

do it. That’s a good thing.”

find out what the project is if you look at

“Things get a little chaotic sometimes. Last

If you don’t mind me asking, is there

night I’d been up for this show, so we finally

anything you can talk about yet?

finished negotiating and so many things

About the project you’re booking?

“It’ll be a fun… It’s a great script. It’s a fun

were going on. I rarely ever oversleep, but

“Well I’ll say this, it’s called APB.”

show. I’m excited about it. The problem is,

the studio reamed me out.”

that. That’s all ready, I didn’t put that out

22

there.”

MB BUSINESS MAGAZINE MAY 2016

we start shooting Monday.”

had to ask you about was the fact that the

“Well, ultimately I think that, you know, you

script changed for the originalGhostbusters

get into movies, and movies are financed.

Wow, that’s right on the heels of

film. Almost before it was starting to film. Is

People give the green light to have certain

Toronto ComiCon.

that right?

things done. There are not a lot of Blacks

“There’s wardrobe and I got to you know…

or people of color who are in the position

how that will impact me getting up to

“Yeah, yeah. That’s one of the things that I

to give the green light. There’s also a

Toronto, we’ll see. I’m determined to make

was talking to Ivan Reitman [about]. We

certain belief system that people have that

it up to Toronto at least Saturday, Sunday. I

kind of disagree about it. He remembers it

they make assumptions that the public

won’t get my schedule until later on today.

differently than I did. I have to acknowledge

wants to see a certain thing, so there isn’t

This literally just happened within the last

that it was 30 years ago and sometimes

much diversity. There just aren’t many

24 hours.”

people see things from their own

stories. They’ll tell a story and they’ll tell it

perspective.”

from their perspective. I used to wonder

Well, I’m sure the fans will be excited

how I would do a movie, and maybe I was

to see you for whatever time you can

“For me, at least in my mind, it changed

in the movie. I did one called Collision

make. It seem as well like the last

from what I went in thinking it was and what

Course.”

couple of years, like this year and

it turned out to be, but in all fairness I look

last, have been big for Ghostbusters

back on it and I look at the movie with my

“I was in the movie, but they were

for you too.

grandkids and it’s a perfect movie the way

shooting–supposedly it was in downtown

“Yeah, Ghostbusters. It’s been fun. I did a

it is. It works the way it is. I felt it might have

Detroit even though we were shooting

cameo in the new one and got a chance to

impacted my career in a different way had

somewhere else. The scene took place in

meet the girls, who I hadn’t met before.

it been different, but that’s all looking back.

downtown Detroit. There were no Blacks in

Really, really funny. Very amazing. They’ve

It’s a wonderful franchise and I’m very

the background. Jay Leno actually said

got a great chemistry together.”

blessed and thankful to be a part of it.”

something about it, but how do you shoot

“Obviously it’s different than with four guys, but they’ll do their own thing with it and it’s a great script. I’m sure the special effects are going to be phenomenal because of what we can do now that we couldn’t do back in the 80s. I’m excited about it. I’m looking forward to seeing it. I’m really honored that they asked me to come be a part of it.”

That’s cool. I mean, I’m sure you can’t talk about much, but can you tell us if you had a scene with all four stars?

Or just some of them?

“Yeah, I worked with all four [actresses].”

Detroit with no Blacks?”

That brings me to another topic, and I hope

“I know the studio is pretty excited and

you don’t mind. It’s always a difficult

“Then I realized that for a lot of white

working with Paul Feig was phenomenal. I

discussion, but with what we’ve seen

Americans, who may even live in the city,

really like him a lot. I hope I get a chance to

recently with the ‘Oscars So White’

their circle of friends, maybe they don’t

do that again on something a little more

discussions and everything else–what’s

have any Blacks in their world. Hence

significant for me. It was a great

your impression of Hollywood these days?

Woody Allen’s world that exists someplace.

experience, and we shot at the fire house,

You’ve had a very long career, but what’s

It doesn’t reflect the world as I see it, and I

which was great going back there. It was a

your relationship with it? What do you think

travel to a lot of places.”

good experience.”

is going on?

That’s awesome. One thing I read that I

MB BUSINESS MAGAZINE MAY 2016

“We are diverse. We need these other

23

stories. We need to see the humanity of

white.”

other people. Hollywood doesn’t feel it’s

the storyline, Kurt [Fuller], who was in Ghostbusters. He was a policeman and he

part of their responsibility because their

“I’m a member of the Academy and have

was interested in Brie, and she rejected

primary goal, it seems, is to make money.

been for 30 years, but there aren’t many

him, so he was following her around. He

Not even to tell great stories. Not even to

people of color in the Academy, and I’m

had a story. He was in the story. He got a

make great films. It’s all, somehow, it feels

not surprised. You can’t have one film, that

series and they called me and said, ‘We love your work.’ I’m thinking they’re going to carry on the storyline similarly to what he had been doing, but all I was was the cop.”

“I’d come in and say a couple of words and then that’s it. I did nine episodes, but I wasn’t involved. I think they need to look at the world. I’m glad to see now there’s a little more of the interracial coupling you see in movies that you didn’t see that many years ago.”

“We need stories that are told from a different perspective. I didn’t boycott the Oscars, because honestly, I think as a member, if you’re going to vote you can’t vote for somebody simply because they’re Black or Hispanic or whatever reason. You vote because you honestly believe it’s the

to me as if it’s about let’s make money and

even if you think it’s a good film, it’s

best performance. I think that’s the way it

in some people’s minds including Blacks or

competing with 100 other movies. At the

has to go. Also, I think a lot of people… the

Asians or Latinos or whatever will not make

end of the day there’s not enough product.

problem I’ve always had with a lot of the,

money.”

It’s not inclusive. It’s a given assumption

and this will probably come out sounding

that if we’re going to tell the story it’s going

wrong, but I would much rather focus on if

“I read an article about one of the new

to be all white. What I think we all do, and

someone comes up with a solution that we

stories on Egypt, Ancient Egypt, with an all

it’s not just obvious racism, but it’s

can work with and gather round and be

European cast. They felt that they can’t sell

something that we have to be mindful and

excited about it.”

the story if it included people of color. It’s a

we have to think–‘Wait a minute, how else

mindset that is behind the times, and it’s

can we go with the character?'”

wrong, and it needs to change, but it’s

and then wanting people to apologize for

hard to complain about the Academy [of

“I have people who I’ve worked for who like

what they did wrong to make them wrong.

Motion Picture Arts and Sciences]. You

my work, and they will say, ‘Wow, we saw

To make them acknowledge that they’re

have to have worked for a fair amount of

this or that and we want you in the film.’

wrong.”

time just to get in. Not everybody can get

Then they look, well how can we use

it. Those people who have been working

Ernie? Well we’ll make him something. We’ll

“I don’t think people are very good at that. I

are obviously those people, those whites.”

make him the policeman. It’s very hard for

think there’s no point in making someone

me to be the bad guy or the guy who’s

the bad guy here. Let’s just figure out how

“They’re the ones who’ve had the chance

really involved in the story. I try not to do

we can, you know, what we can do. It’s not

to work. They’re going to vote, and they’re

those things anymore, because you’re

the big stuff. It’s the small stuff. Just be

supposed to vote, based on what they

included but you’re not included. That’s

more inclusive.”

believe is the best of what they see. Since

how I feel about Desperate Housewives.’

Well, and I mean the other side of this

there’s not a lot of films out there with people of color to choose from, it’s all

24

“Keep coming up with fighting the problem

“I replaced a character who was involved in

is that, I mean, I loved Chris Rock’s

MB BUSINESS MAGAZINE MAY 2016

segment, I don’t know if he wrote it or

thought it went too long. That’s just me. I’m

president is Black and on and on and on,

who wrote it, but going out and

just saying.”

but it really comes down to we need more

talking to people at movie theaters.

projects.”

The normal person on the street

“The thing I hate is you go on the street to

didn’t know a lot of the Hollywood

show people to make your point, I guess,

“Blacks need to be… whatever the

titles that were up for awards. They

and then it comes a point like, are we

problem in society is, we Blacks, we

were out to see films that they were

laughing at these people? I mean, you

exemplify that even to a greater degree,

identifying with.

know what I mean? You choose people

because we get very clique-ish. We get

“They weren’t identifying with it, and that’s

that, okay, this is really funny. Here’s a

very exclusive. We need to be more

unfortunate, because that’s all they said.

woman with her wig on wrong, and all it

inclusive as well. It’s not just a white thing. I,

They don’t have a lot of choice.”

does is lock more firmly these stereotypes

it’s hard for me sometimes to, people say,

that you say you want to get away from.

well, is there racism in Hollywood, when I

That’s what everyone wants. Anyone

You say you want to be a part of the

got a job. You know what I’m saying?”

going to a movie theater wants to

American story, but you’re only showing a

identify with someone or something.

certain part or the African-American story.

“I don’t have a job in Spike Lee’s movies. I

That’s what they’re trying to see.

The fact that they don’t see these people.

don’t have a job in John Singleton’s

“We found that we, especially when I was

They don’t see the movies, or they don’t

movies. I haven’t worked in those movies,

coming up, there were no films that you

understand, and I get that. Not all Black

because, well I don’t know why. I’m just

could identify with. Somebody like a

people go to just those movies. I see all

saying, thank God, that it really shouldn’t

Sammy Davis Jr. Or whoever. If there was a

movies, and so the studio is going, well of

be about color. It should be about humanity

Black then everybody would tune in to

course I’m not going to make movies,

and I believe that we’re human beings, and

watch it, because it was so rare that we

because they’re not going to see my

on the being level, which is spirit, we’re all

got a chance to see.”

movies anyway.”

one. That is the common denominator.

“But, when they do that on the street thing,

“I think you just have to be careful of the

perspective and stop making people the

Chris Rock, I mean okay, I’m glad he

message. Some of those people go, yeah,

bad guy, because when you make them

addressed it. He had to address it, and it

they’ll make a point. Then they resist and

the bad guy then you’re justified in doing

was okay, fine. Even though I don’t

you end up with somebody like Donald

anything.”

understand the Rihanna’s panties thing. I

Trump speaking for a lot of people who felt

know his point, but it wasn’t that funny.

a certain way but they didn’t say it.”

Until we kind of see the world from that

That’s awesome. It was a pleasure talking to you. Thank you so much.

Secondly, he dragged on with it way too long. I mean, let’s not make the whole

“I’m glad he addressed it, it had to be

“Enjoyed talking to you man. You take care

show about that. Make your point and let’s

addressed. I’m glad they hired him, an

of yourself.”

move on. You’re hired because, you know,

African-American. I’m glad they were

be funny and stop… I don’t know. I just

inclusive on the program. I’m glad the

MB BUSINESS MAGAZINE MAY 2016

25

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FIVE ANTICIPATED MOVIES of the Summer

By: SHOAIB KAMAL

As summer time is almost upon us we look forward to longer days and better weather. Along with these two luxuries people can also look forward to summer blockbuster movies that are released every year mid-year. Below is a list of 5 movies that have had fans waiting in anticipation: X-Men: Apocalypse (2016) The X-Men franchise is all set to release their latest movie which is set to hit theatres May 27th. The latest edition boasts a strong female cast with the likes of Jennifer Lawrence, Olivia Munn and Sophie Turner all taking central stage. This action packed thriller is sure to bring out the movie fans that cannot get enough of Marvel action.

Teenage Mutant Ninja Turtles: Out of the Shadows (2016) The Teenage Mutant Ninja Turtles is all set to hit the big screen on June 3rd.

The popular comic and TV show has entertained viewers for over a decade and the movie set to be released has had all die-hard TMNT fans waiting anxiously. The cast boasts the likes of Megan Fox, Will Arnett and Stephen Amell.

Warcraft (2016) The Warcraft Franchise is one of the most popular video games of all time and has been played by millions of users all around the world. On June 3rd the popular video game will hit the Cinema screens in a movie form for the first time. The hype around the release of the movie has been immense as fans from all over the world are excited to see how the franchise is able to transform from a video game to the big screen.

Ghostbusters (2016) 30 years after Ghostbusters took the world by storm, the beloved franchise makes its long-awaited return. Director Paul Feig brings his fresh take to the supernatural comedy, joined by some of the funniest actors working today.

This comedy will hit theatres on 15th July.

Alice Through the Looking Glass (2016) Mega star Johnny Depp makes his return to the big screen in Alice through the Looking Glass which is set to be released on 27th May 2016. This movie will be a continuation of the popular Alice in Wonderland story line and is sure to not only bring out fans of the franchise, but also the thousands of fans who come out to support Johnny Depp.

These movies have surely built up the hype and buzz that was expected when they were first announced and now just sit back grab some popcorn and wait for the show to start!

MB BUSINESS MAGAZINE MAY 2016

27

MEN GET NAUGHTY

Courtesy: ALAMDAR HUSSAIN

At The Age Of 40 – Be Careful!

AT 40… Boy! The bull is ready to run again!

The old saying that life begins at 40 seems

time to move on. A simple, well-cut suit will

everyone in Mad Men looks so good,

to be true. Men are like open soda bottles

work wonders for any man. It will hide your

despite being in their 40s and often out of

at age 40. The raging hormones that make

belly and mask. It will add three inches to

shape. It’s because they wear suits all the

a quiet disappearance in a man’s life make

your height and improve your posture. It will

time. That, really, is all you need to know.

a loud comeback at 40.

make you feel more successful, wealthier and give you authority and gravity. You will

Basic Style tips for Bulky Guys

At the age of 20, we don't care what the

feel like someone in an Audi advertisement.

• Baggy and saggy dresses will never help

world thinks of us; at 30, we worry about

I assure it.

hide big size. Instead buy outfits that fit you well.

what it is thinking of us; at 40, we discover that it wasn't thinking of us at all.

2. Shirt

• Prefer to have stripped shirts.

Shirts should be crisp, white, well-ironed

• Say no to outfits having heavy patterns

How to look stylish when you're a fat forty something:

and with stiff collars. Big men often look

and prints on it.

better with high collars – think of them as a

• Keep collection of blazers, suits, jackets.

Any man can look handsome and stylish

tent for that extra chin to hide in.

• Instead of belts, use Suspenders.

despite of their size. Hence they are skinny or drum sized and bulky. All they need is

3. Tie

to pay little attention to their dressing

With ties, never, ever wear anything funny.

manners. No wonder happens in life while

Comedy ties make you look like a

sitting empty ended and doing nothing.

character form, well, a comedy – and not

One has to make efforts. So all chubby

the character people laugh with. It’s hard to

men out there it’s time for you guys to

go wrong with a black or blue tie. You

show people that yes we can look stylish

want to stick with silk and don’t overspend.

enough in all .

Dressing properly certainly doesn’t alter your shape and size, but in return it gives you a well-balance appearance. Just little effort and time is required and you’ll see how well everything goes for you.

28

• Wear hats and caps.

• Go for simple shirts.

• Most importantly - Workout! Not for the sake of reducing weight in an instant for perfect look; but for the mental and physical health. It energizes you and keeps you in balance.

4. Glasses Buy your glasses from somewhere cool with originality.

Younger people look good in casual clothes.

1. Suit

But, when it comes to

This is the foundation of your wardrobe, or

dress, youth is an

at least it should be. If the foundation of

access all areas pass.

your wardrobe is still jeans and T-shirts, it’s

Also, ask yourself why

MB BUSINESS MAGAZINE MAY 2016

Why I Don't Tell People 'Quit Your JOB AND

TRAVEL'

Courtesy: SALLY ELBASSIR

After quitting my job last summer, I

talking months or years here), then it's

comfortable with my current state of

somehow became the resident expert

"easy" to quit your job and travel. You can

(f)unemployment. The reality is, I'll never tell

amongst all my friends who were thinking

pick up odd jobs, teaching jobs, and / or

you to just quit your job and travel because

about quitting their jobs. Or at the very

simply choose to travel through a region

the uncertainty that can bring is

least, hated their jobs enough to threaten

that won't break the bank (I'm looking at

heart-wrenching. Unless you're fully

to quit.

you, Southeast Asia).

committed to a life abroad, or have

I always listened attentively and offered my

But why don't I tell people to quit their jobs and travel?

two cents. After all, most of these wereproblems I'd heard before. Then the conversation would get to this: "Maybe I'll just quit my job and travel." And that's when I stopped the discussion.

The thing is, that's exactly what I did... to some extent. I had reached a breaking point with my job and ultimately decided that I was going to "figure things out."

Newsflash: apparently nobody ever does. *facepalm.* I didn't pack up my life and move across the world (although that thought has crossed my mind more than once) but instead settled for a 6-week solo trip to Europe.

If you Google "quit your job and travel," I can guarantee that hundreds, if not thousands, of articles will show up in your Google search results. All will say something along the lines of "it's easy to quit your job to travel if you just... sell all your stuff / become a digital nomad / become a flight attendant / move to Mexico." Those articles are partially right. If your sole goal is to leave the Western world for an extended period of time (we're

MB BUSINESS MAGAZINE MAY 2016

The reality is, quitting your job is hard. So is long-term travel. It's not as easy as our favorite travel bloggers make it look, and it's definitely not a decision to be taken lightly. The harsh reality is, unless you are planning to say goodbye to the Western world for a while, or you're really keen on embracing the digital nomad lifestyle, quitting your job to travel isn't something that everyone can do. It's difficult. It's uncertain. It may mean doing jobs you don't really want to do so you don't blow all your savings.

I'm sure plenty of people wonder what I'm doing with my life. I wonder all the time, to be honest. I've spent more money and time on my blog than I've earned, I haven't jetted off to many exotic locations, and I'm

incredibly supportive parents and a lot of savings, then quitting your job might not be the best thing for you. Looking for a new one is something I can get behind.

Yes, you can quit your job and travel. But you'll never hear me tell you to do it. We all have our own unique set of circumstances, and I won't pretend that if you work hard enough or do what the travel bloggers do that you'll be able to do it too. Do what's good for your circumstances, and know what you're willing to sacrifice before making a big decision on a whim.

So at the end of the day, if you really want to quit your job to travel, remember that long-term travel takes work as well. If you're not up for the job, then maybe you're simply overdue for a vacation - or a new job.

actively pursuing a remote job in social media or content marketing (someone hire me, please?).

But I have backup plans. And no debt. And savings. And a travel blog (maybe I'll be able to live off of it one day!). But it was ultimately these backup plans and savings that have led me to be somewhat

29

Depression

WHAT CAUSES DEPRESSION? Research has identified a number of

Situations

Major life events:

factors that contribute to causing and

Depressed mood may be triggered by

- Death of a loved one

maintaining symptoms of depression. The

stressful life situations, including those

- Job loss

diagram below shows the five major

related to the workplace. If your attempts to

- Oositive changes associated with a new

factors: situations, thoughts, emotions,

cope with these situations have not been

level of challenge, such as a promotion or

physical state and actions. Each of these

successful – or the situations have not

new job

areas of your life can play a role in the

improved – you may begin to feel

- Divorce / Separation

development of depression, and

overwhelmed and hopeless. Risk of

depression can have an impact on all of

developing depression may then increase.

them.

Lack of contact with other people: - Feeling cut off from or rejected by

Depression involves all areas of your life:

Work settings more likely to trigger

your life situation; your thoughts, emotions

low mood are those where employees

and physical state; and your actions. It may

experience:

Relationship conflict:

affect social support, family relationships,

1. High workload with low control over the

- Ongoing or severe conflict in

employment, and finances. Each of these

workflow.

relationships (e.g., with a family member,

areas is connected to all the others. As a

2. Little social support from colleagues or

work colleague, supervisor or customer)

result, changes in one area produce

supervisors; and/or.

- Bullying/harassment

changes in the others. When depression

3. Perceived unfairness in providing

first develops, negative changes in one

rewards and recognition for one’s efforts.

Stress related to physical health:

area often cause the others to get worse

Employees in these kinds of workplaces

- Physical health problems – especially

as well. However, when you are working on

are more likely to feel demoralization,

health problems that are chronic or cause

getting better, changing one area leads to

resentment and reduced engagement.

a lot of pain

improvements in the others. The goal of

They are at higher risk for mood problems.

coworkers

Work – life imbalance:

treatment is to get all areas of your life spiraling upward, each producing positive

Situations that can contribute to low mood

- The demands of home and work are

change that improves the other areas.

or depression include:

competing and exceed your ability to keep them balanced.

Causes of Low Mood & Depression

Stress directly related to the workplace: - Job insecurity

People do not only get depressed when

SITUATIONS Loss Isolation Conflict Stress

- Overwork - Unclear job expectations - Dangerous physical environment

ACTIONS Social Withdrawal Reduced activity level Poor self-care

30

Courtesy: WWW.COMH.CA

THOUGHTS Negative thinking habits Harsh self-criticism Unfair & unrealistic thoughts

PHYSICAL STATE

EMOTIONS

Altered sleep Low energy / fatigue Agitation Changes in brain chemistry

Discouragement Sadness Irritability / Anger Numbness Anxiety

- Unpleasant work area (e.g. high noise, little privacy)

things are going badly. Some people get depressed when their life has been going smoothly. Depression may seem to come out of nowhere. The antidepressant skills taught in this article are useful in both cases.

MB BUSINESS MAGAZINE MAY 2016

never learn how to use this”, “I can’t stand

variety of physical symptoms. One of the

�Thoughts

working here”. This way of thinking leaves

most powerful physical changes

Each of us is affected differently by outside

this person more discouraged, less able to

accompanying depression is impaired

events, depending on how we think about

handle the situation and more prone to

sleep. Usually this involves an inability to

those events. Imagine two people walking

depressed mood.

get enough sleep because the person has

into a new office. One person is naturally

difficulty falling asleep, repeatedly wakes

outgoing, anticipates being received well

Emotions

by others and views the workplace as

Depression often begins with feelings of

early. Sometimes the person sleeps too

friendly and supportive. The other dreads

discouragement and sadness. If the

much or experiences fatigue so pervasive

starting new job assignments, anticipates

depression continues, these feelings of

that they can never seem to get enough

feeling miserable, and sees other

unhappiness may become more painful

sleep. When the person does not awake

employees, supervisors or customers as

until the depressed individual comes to feel

feeling refreshed and rested, it becomes

judgmental and rejecting. Each person’s

overcome by hopelessness. Feelings of

harder to face the day. Depressed people

thoughts help determine how the event is

anxiety (physical tension and worry) can

may lack energy and feel exhausted by

experienced. Research has shown that

also accompany depressed mood.

everyday activities. They may have trouble

when people are depressed they often

Sometimes, instead of sadness, a

focusing on tasks and staying alert. This is

have distorted ways of thinking that can

depressed person will experience a

a particular problem for those who work

trigger or worsen the experience of

general sense of emotional numbness, an

long hours or alternating shifts.

depression.

inability to feel anything. Others become

One theory of depression is that it is

short-tempered when they are depressed.

caused by changes in brain function, or a

There are several kinds of distorted

They may be more irritable, snapping at

chemical imbalance. There is research

thinking:

coworkers or clients, which may lead to

showing that, for some depressed people,

new stresses and conflicts.

certain neurochemicals in the brain are less

- Unrealistic negative thoughts about the situation.

Physical State

You see the situation in an overly

In jobs that are safety-sensitive (such as an

pessimistic way, emphasizing its negative

airline pilot or a health care worker), lack of

or threatening aspects and ignoring more

alertness due to depression can be very

positive or promising aspects.

risky.

Depression is often accompanied by a

- Unfair negative thoughts about yourself.

during the night, or awakens much too

active. It is unclear whether these changes in brain chemistry commonly cause depression, or are the result of depression.

All we know is that depression is often associated with changes in brain chemistry.

The physical symptoms of depression

You think about yourself in a very critical way, judging yourself in a harsh and unfair manner.

- Unrealistic negative thoughts about the future.

You anticipate a future that is bleak and disappointing, overestimating the likelihood of very negative outcomes.

Taken together, we call this the Negative Triad: thinking in an unfair and unrealistic negative way about your current situation, yourself, and your future.

Imagine someone going through a difficult time at work – maybe a new computer system has been introduced – who tells themselves “this is completely useless”, “I’ll

MB BUSINESS MAGAZINE MAY 2016

31

make it harder to cope with life problems,

sports may all suffer. Depressed people

Not taking care of yourself.

or even to follow through on a depression

often feel too tired or unmotivated to

When someone is depressed, activities

program like this one. Antidepressant

pursue these activities – but the less they

designed to maintain health and

medication may be helpful in restoring

do, the less they feel able to do. Most

appearance are frequently neglected.

sleep and regaining a sense of physical

depressed people suffer from a reduced

Depressed individuals may take less care

energy. It may allow you to try out the

ability to have fun or get enjoyment from

than usual in personal grooming or dress.

antidepressant skills described in this

activities. Inactivity becomes a habit. As a

In addition, exercise is often reduced,

book.

result, the depressed person no longer

whether this involves planned fitness

gets the personal satisfaction provided by

activities such as attending the gym, or

these activities, further contributing to a

simply walking around the neighbourhood.

sense of discouragement.

Eliminating exercise contributes to

Actions People who devote almost all their time and energy to work, while neglecting personally rewarding activities, have

depression by removing a powerful source of physical well-being and increased

work-life imbalance and are at risk for

Withdrawing from family, friends and coworkers.

developing low mood or depression. If you

At work, depressed people may avoid going out with colleagues for lunch or

person often has disrupted eating habits,

always bring home concerns from the job and are unable to let go of your work and

after-work events, feeling that they will be

relax, you are more vulnerable to

poor company and won’t enjoy social

depressed mood.

activities. This avoidance of contact makes

Depression has a large impact on a

the workplace feel like a less supportive

person’s behaviour. Here are some of the

and engaging place. Social isolation is a

main areas affected:

strong contributor to depressed mood.

Not doing enjoyable activities.

Exercise, reading, travel, hobbies and

self-esteem. As well, the depressed which may include skipping meals or overeating as a form of self-comfort. In the workplace, the depressed employee may skip breakfast and forget to eat lunch – this kind of poor eating can worsen depressed mood.

Social isolation takes away the warmth and connection to others that are basic to all of us.

Address: 67 Baldwin St. N Brooklin, ON L1M 1A3 Tel: (905) 655-5544 Web: www.stanleysfishandchips.com

32

MB BUSINESS MAGAZINE MAY 2016

A. PRINCEWILL Law Firm

Courtesy: ANGELA PRINCEWILL

Angela Princewill is the founding partner of

maze as easy as possible.

4) Have all sources of income been

A. Princewill Law Firm, a law firm serving

Angela Princewill attended the University of

disclosed?

Durham Region and the Greater Toronto

Windsor and was called to the Ontario Bar

Area. A. Princewill

in 2008.

5) Are expenses stated accurate? Or

Law Firm recently

Our website www.aprincewill.com has a lot

reasonable under the circumstances?

won a Top Choice

of posts on various family and divorce law

Award for the best

matters such as the one below.

Family Law Firm in

6) Did you list only your share of jointly owned assets and debts?

10 Things to Look out for in a Financial Statement

7) Are values for assets owned on date of

The Financial Statement is the most

marriage included with supporting

Angela’s practice is focused on Family Law

important document in a Family Law matter

documentation?

and Immigration Law matters. She assists

that includes support claims, as well as

clients with family law matters such as

claims for equalization / division of property

8) Have any assets been disposed of in

divorce, child support, spousal support,

There are timelines within which the

the 2 years prior to separation? If yes,

custody, access, domestic contracts and

Financial Statement must be provided if the

further investigation may be required.

property division. Her immigration practice

matter is being litigated and there are

includes appearances at the Immigration

mandatory documents that must be

Appeal Division, Immigration and Refugee

disclosed.

the Durham Region in 2016!

Board, and the Federal Court of Canada.

9) Have all assets been listed?

10) Is the calculation of the net family

Angela has helped many succeed in

Below is a list of 10 things to pay attention

immigrating to Canada through successful

to when preparing or reviewing the other

applications to Citizenship and Immigration

party’s Financial Statement.

Canada under various categories including

property accurate?

For more information and assistance, do not hesitate to contact us:

family and spousal sponsorships, skilled

1) Are you using the right form?

Email: info@y-canada.com

worker applications, work permit

At first sight, they may appear to be the

Phone: 905-492-7662

applications, business/ investor

same, but the Form 13 is different from the

Website: www.aprincewill.com

Immigration.

Form 13.1 in the use and information captured. The former is for cases where

Angela Princewill is compassionate, but

only support is sought. The later is required

very aggressive in representing her clients’

if there are property issues.

interests. She gives honest advice to her clients and utilizes every legal tool including

2) What valuation date is used?

alternative dispute resolution, to achieve

This could significantly affect equalization

her clients’ goals.

payments.

Legal issues can be very stressful for clients so we make navigating the legal

3) Are notice of assessments and income tax returns for the last 3 years attached?

MB BUSINESS MAGAZINE MAY 2016

33

IPHONE SE REVIEW: Smaller Gets Smarter With Better Battery Life to Boot Courtesy: GEOFFREY A. FOWLER Most smartphones now come in two

After years of the “phablet,” the small

sizes—big and huge. Apple’s new iPhone

phone is back with a vengeance.

SE is the first one made for everybody

stash it.

The first time I held the iPhone SE, whose

whose thumbs lack the wingspan of

This is about more than fads—it’s about

screen measures 4 inches diagonally, it felt

eagles.

physiology. The iPhone SE is an

comically tiny to my fingers and eyes,

acknowledgment that picking a

which are now accustomed to much more.

The phone, which goes on sale Thursday,

smartphone should be like choosing

I wouldn’t want to use it as my everyday

packs Apple’s best phone processor and

shoes. Style and function are parts of the

phone, but as many as 20% of Americans

camera into a width of just 2.3 inches. And

equation: You might not be caught dead

would prefer a 4-inch phone. Apple says it

it does it with significantly better battery life

without heels, but their fit and comfort

sold 30 million older, slower (and cheaper)

and Apple’s lowest-ever starting

matter. When you consider your phone, it

models at that size last year. Yet

price, $399.

matters how you’ll hold it, and where you’ll

remarkably, no other major manufacturer offers a high-end phone at this size in the U.S. The iPhone SE is a win for ergonomic choice, but Apple doesn’t score any points for originality. The new phone is nearly indistinguishable from the three-year-old iPhone 5s, which is a hair thicker and less pleasantly rounded than Apple’s more recent designs. (The SE even fits in most existing 5s cases.) The SE will come in Apple’s newer rose-gold hue, but it lacks design improvements you’ll find in Apple’s competitors, such as waterproofing and expandable storage.

The iPhone SE packs Apple’s best phone processor and camera into a width of just 2.3 inches. It has better battery life than its predecessors and Apple’s lowest starting price, $399.

34

MB BUSINESS MAGAZINE MAY 2016

Does Your Hand Fit Your Phone Screen?

It’s almost as though Apple is transplanting new brains into old iPhone 5s bodies.

(Apple isn’t literally doing that, though the concept does seem like it could be a big boon for the environment.)

On most important functions, the iPhone SE doesn’t disappoint. Its A9 processor, exactly the same one that’s in the iPhone 6s, zips through apps and the most graphically challenging mobile games. (By a test called Geek Bench, it’s about 70% faster than the 5s.)

The 12-megapixel rear camera is capable

The iPhone SE, top, is a bit thicker than the iPhone 6s, bottom. With its 4-inch screen, the SE is the same size as the old 5s. But it is much faster, and its battery life is longer.

of Apple’s Live Photos video trick, and performs admirably in most settings—though, like the iPhone 6s, it’s now bested in low-light shooting by Samsung’s new Galaxy S7. The iPhone SE even includes Apple Pay, so you can leave your wallet at home at least some of

The compromise you must accept for that

the time.

years into the future. If you want this

performance is the SE’s screen, which is

phone, pay the Apple tax and get the

not only smaller but also packs in fewer

64GB version for $499.

The standout news is battery life. Unlike

pixels and noticeably less contrast than the

many other recent Apple products, the

iPhone 6s. It also isn’t pressure sensitive,

iPhone SE’s is a significant improvement

The biggest reason you’d want this phone

so it can’t do Apple’s 3D Touch trick of

over its predecessors’. In my lab stress

is because it’s a better size for your hand.

popping up menus with a hard press of

test, which cycles through websites with

So, in the absence of a

your finger.

shoe-measurement contraption for hands,

uniform screen brightness, the SE lasted

how do you know the right size?

10 hours—more than two hours longer

Some people will be drawn to the SE for its

than both the iPhone 6s and iPhone 5s,

price. At $399 without a contract—$250

and nearly three hours longer than the

After consulting ergonomists and physical

less than its larger sibling—the iPhone SE

Galaxy S7.

therapists, I can report there is some

might appeal to parents, corporations or

science to it. You must weigh three factors,

people on a budget who are considering

all of them trade-offs:

their first iPhone. But keep this in mind

MB BUSINESS MAGAZINE MAY 2016

about the real cost: The 16 gigabytes of

What you can see.

storage at that price is hardly sufficient to

When it comes to productivity, bigger is

take advantage of all the latest apps and

better. The phablet trend was essentially

photo capabilities, let alone cover you for

chasing the ergonomic reality that we get

35

more done—and even remember more of

Hand-o-Meter.)

what we read—on larger screens. Larger phones also have larger virtual keyboards,

What you can comfortably hold.

and the largest phablets boast beefier

The more your hands have to stretch, the

batteries. The 25% difference in screen

more uncomfortable it becomes to grasp a

area between the iPhone 6s and iPhone

phone—and the more likely you are to

SE could have an impact on your work.

drop it. As a test, try holding your hand like you’re making the shape of a gun, and

The iPhone SE is available in Apple’s newer rose-gold finish.

then gripping the phone between your index finger and thumb. If the iPhone SE fits more snugly in the knuckle closest to

What your thumbs can reach.

your palm, it’s likely a better match. (The

Most of us use thumbs to operate

outer knuckle works too, but it’s a less

smartphones, but they vary considerably in

secure grip.) And don’t forget where you’re

reach. You can do a quick test in a store:

going to store your phone: People who

Go to the drawing mode in the iPhone’s

insist on stuffing phones into tight jeans

Notes app (or pull up a free Web drawing

might want a smaller size; people who

app such as Awwapp.com). Hold the

keep them in bags may not care.

phone with one hand and swoop your thumb like a windshield wiper. The arc that

I’m happy to see the iPhone SE, partly

you draw defines what your thumb can

because I think that the world needs a

comfortably reach. (You can also see how

small phone. A selection of them, truthfully.

your thumbs measure up on different

This is a mini, yet mighty, start.

screen sizes in our online Journal

LATEST GEN AUTOMOTIVE

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36

MB BUSINESS MAGAZINE MAY 2016

Contact Us for More Information: Address:104-100 Dynamic Drive, Toronto, ON M1V 5C4 | Tel: 1-866-677-1377 Fax: 1-866-204-6888 | Email: info@mbeforyou.com | Web: www.mbeforyou.com 37

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MB BUSINESS MAGAZINE MAY 2016

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MB BUSINESS MAGAZINE MAY 2016

39

Exceptional Real Estate Services Brokerage Residential Brokerage Commercial

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40

MB BUSINESS MAGAZINE MAY 2016

TOP 15

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104-100 Dynamic Drive, Toronto, ON M1V 5C4 1-855-(NOW-MBBP) 669-6227 1-866-204-6888 info@mbbpforyou.com www.mbbpforyou.com

41

CINIPLEX TICKETS How to Apply: 1. Become MBBP and get your login ID and Password.

2. Visit our website: www.mbbpforyou.com/MemberLogin.aspx with your login and password.

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Call us on (1-855-669-6227) and request for Drug Benefits.

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BECOME MBBP MEMBER AND GET THE DISCOUNT UP TO 60% ON ALL DRUGS AND MEDICINES.

GAS DISCOUNT How to Apply: 1. Become MBBP member.

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BEING AN MBBP MEMBER GET A GUARANTEED

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CAR INSURANCE How to Apply: 1. Become MBBP member.

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42

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FREE PERSONAL TAX RETURN How to Apply: 1. Become MBBP member.

2. Send the Email to info@mbaccounting.com & enclose all the related documents including: You T4, T4A AND T5, Copy of Family’s last year’s NOA, Copy of one year brief Income, Information required if you have any kind of student loan or Rental income.

3. Our accounting team will file your PTR for free.

BECOME MBBP MEMBER & LET OUR ACCOUNTING TEAM FILE YOUR PTR FOR FREE.

RELIANCE HOME COMFORT How to Apply: 1. Become MBBP member.

2. Call on 1-888-837-1451 and tell that you are MBBP member. You can avail the discount on all the products.

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MBBP MEMBERS WILL RECEIVE AN AVERAGE 20% DISCOUNT ON RELIANCE PRODUCT AND SERVICES.

CHOICE HOTELS INTERNATIONAL How to Apply: 1. Become MBBP member.

2. Visit on the RMA website link for Choice Hotels. www.rmacanada.com/programs.html 3. Then click on Choice hotels website and select your Hotel.

MBBP MEMBER CAN ENJOY UP TO 15% DISCOUNT FROM 6300 HOTELS WORLDWIDE. CONTACT US FOR FURTHER DETAILS.

www.mbbpforyou.com

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43

BUSINESS INSURANCE How to Apply: 1. Become MBBP member.

2. Call on 1.855.616.6262. And refer that you are RMA member linked with MBBP. 3. Or you provide your details to us we will arrange a meeting at your place with the Rep from Federated Insurance.

BEING AN MBBP MEMBER CONTACT US TO GET 30% DISCOUNT ON BUSINESS INSURANCE.

POS DEAL How to Apply: 1.

2.

3.

4.

5.

Become MBBP member Call on 1-866-667-1377 Refer that you are MBBP member.

You will be given forms to sign up.

Enjoy 10% discount on POS deal.

GET 10% DISCOUNT

ACCOUNTING SERVICES How to Apply: 1. Become MBBP member 2. Call on 1-866-667-1377 3. Refer that you are MBBP member. And tell which service you want.

5. Enjoy 20% discount on all accounting service deal.

SAVE 20% ON ACCOUNTING SERVICES

MB BUSINESS MAGAZINE How to Apply: 1.

2.

3.

4.

5.

Become MBBP member Call on 1-866-667-1377 Refer that you are MBBP member.

You will be given forms to sign up.

Provide your business Specifications for magazine ad.

ADVERTISE YOUR BUSINESS IN MB BUSINESS MAGAZINE WITH 30% DISCOUNT

44

www.mbbpforyou.com

1-855-669-6227

/mbbployaltycard

ATM DEAL How to Apply: 1.

2.

3.

4.

5.

Become MBBP member Call on 1-866-667-1377 Refer that you are MBBP member.

Apply for ATM installation on your location.

We will install ATM machine at your place for free.

LIFE INSURANCE How to Apply: 1.

2.

3.

4.

Become MBBP member Call on 647-832-7265.

Refer that you are MBBP member.

You will be served as a special client and exclusive discount will be given.

SPECIAL CLIENT EXCLUSIVE DISCOUNT

ROYAL LEPAGE How to Apply: 1.

2.

3.

4.

Become MBBP member Call on (416) 939-9378 Refer that you are MBBP member.

You will be served as a special client and exclusive property will be referred to you with 20% below the market Value.

SAVE 20% ON REAL ESTATE SERVICES

For More Details Contact Us. 104-100 Dynamic Drive, Toronto, ON M1V 5C4 Toll free: 1-855-(NOW-MBBP) 669-6227 Fax: 1-866-204-6888 Email: info@mbbpforyou.com

www.mbbpforyou.com

1-855-669-6227

/mbbployaltycard

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BEST DEALS

BEST DEALS BUNDLE OFFER ONLY FOR MBBP MEMBERS

BUNDLE OFFER ONLY FOR MBBP MEMBERS

16

NO

NO

CT RA NT CO

CT RA NT CO

$49.99

$4.99 HOME PHONE 5 calling feature on your demand 300 North America long distance minutes

TELEVISION All top US and Canadian channels HD Channels

INTERNET High speed, Unlimited Cap Dedicated VIP connection

For More Information Contact Us: Address: 104-100 Dynamic Drive, Toronto, ON M1V 5C4 Call: 1-855-669-6227C | Fax: 1-866-204-6888 | Email: info@mbbpforyou.com 46

WHERE BENEFITS MEET REWARD

WHERE BENEFITS MEET REWARD

THE MEMBERS WILL RECEIVE $15 REFERRAL MEMBER WITH ADDITIONAL BONUS AMOUNT ON THE ACHIEVEMENT OF EXCECUTIVE LEVELS on1

Mr. A Signed 25 MBBP Members (15X25) Direct incentive = $375 Achieved Level 1 Additional Bonus = $500 Implemented one MBBP Service Additional Bonus = $500 1 MBE Service Ref. (POS) will get double bonus = $200 MBBP Will assign the position “MBBP UNIT OFFICER” Monthly residual will be approx. $3000 on 25 working members

MB SERVICES

POINT

POS

100 Points

ATM

100 Points

LOAN

2500 Points

Insurance

200 Points

Real Estate

750 Points

Personal Accounting

Free Personal Annual Tax Return

Credit Counselling

Free Initial Consultation

Renovation & Rebuilding

2000-5000 Points

Mortgage & Business

Free Consultation +2000-200 Points 47

LEVEL

01

48

02

LEVEL

03

LEVEL

04

LEVEL

05

LEVEL

06

LEVEL

07

LEVEL

Group General Manager

$224,000

Regional Manager

$112,000

Area Manager

$56,000

Unit Manager

$28,000

BDM Manager

$14,000

Team Leader

$7,080

MBB Unit OfямБcer

$3,540

WHERE BENEFITS MEET REWARD

WHERE BENEFITS MEET REWARD

ACCELERATE EXECUTIVE LEVELS & EARN ADDITIONAL

GET FREE BONUS 1

15

15 X $1 = $15

$15 X 15 = $225

$500

$500

$2,300

1 POS + 1 R.E + 1 Ins

$1,150

$3,540

2

30

30 X $1 = $30

$15 X 30 = $450

$1,000

$1,000

$4,600

2 POS + 2 R.E + 2 Ins

$2,300

$7,080

3

50

50 X $1 = $50

$15 X 50 = $750

$2,000

$2,000

$9,200

4POS + 4 R.E + 4 Ins

$4,600

$14,000

4

100

100 X $1 = $100

$15 X 100 = $1,500

$4,000

$4,000

$18,400

8 POS + 8 R.E + 8 Ins

$9,200

$28,000

5

200

200 X $1 = $200

$15 X 200 = $3,000

$8,000

$8,000

$36,800

16 POS + 16 R.E + 16 Ins

$18,400

$56,000

6

400

400 X $1 = $400

$15 X 400 = $6,000

$16,000

$1,6000

$73,600

32 POS + 32 R.E + 32 Ins

$36,800

$1,12,000

7

800

800 X $1 = $800

$15 X 800 = $12,000

$32,000

$3,2000

$1,47,200

64 POS + 64 R.E + 64 Ins

$73,600

$2,24,000

ADDRESS: 104 - 100 Dynamic Drive, Toronto, ON M1V 5C4 TOLL FREE: 1-855 (NOW - MBBP) 669-6227 FAX: 1-866-204-6888 | EMAIL: info@mbbpforyou.com 49

BUSINESS PARTNERS Elavon Inc., formerly NOVA, is a major processor of credit card transactions and a subsidiary of U.S. Bancorp.

Elan Financial Services, backed by the strength and integrity of U.S. Bank are a leading provider of reliable, flexible ATM and debit card programs.

Royal LePage is a Canadian real estate franchiser and owner-operator with more than 600 locations and over 15,000 Realtors in Canada.

Global Payments Inc. is a provider of electronic transaction processing services for merchants, Independent Sales Organizations, financial institutions, government agencies and multinational corporations.

The company is one of the nation's largest ATM processors and provides numerous financial institutions, ATM IS0s, and merchants with ATM driving and management services, network gateway access, and debit card management services.

NRT Technology Corp. provides innovative cash handling solutions and financial services. We are the leading supplier of self-serve, cash-handling kiosk systems for the casino industry, and operate the largest network of "white label" ATMs in Canada.

Address: 104-100 Dynamic Drive, Toronto, ON M1V 5C4 Toll free: 1-866-667-1377

|

Email: info@mbeforyou.com 50

Fax: 1-866-204-6888 |

Website: www.mbeforyou.com

WHERE BENEFITS MEET REWARDS...

Affiliate Program Offer

SPECIAL OFFER

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WHERE BENEFITS MEET REWARD

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Benefits Meet

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WELCOME

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OUN

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UNFATHOMED BENEFITS

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15- SAVE 30%

ers

MAKE A CAREER WITH MBBP MBBP membership is powered by MBBP Canada Inc. MBBP provides its members with a variety of benefits with an irresistible value proposition. MBBP provides a platform for its members to enjoy discounted products and services.

104-100 Dynamic Drive Toronto ON M1V 5C4

1-855-NOW-MBBP (669-6227)

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53

May

EVENT CALENDAR MAY 1

SUNDAY

Orthodox Easter Orthodox Christians in Canada celebrate Jesus’ resurrection on Easter Sunday. The Orthodox Christian date for Easter Sunday, also known as Pascha, is often at a later date than the Easter date observed by many western churches.

MAY 2

MONDAY

MAY 4

WEDNESDAY

Orthodox Easter Monday

Easter Monday is the day after Easter Sunday, which celebrates Jesus’ resurrection, according to Christian belief. Many Orthodox Christian churches in Canada often observe Easter Monday at a later date than the Easter Monday date observed by many western churches. The day is also known as Bright Monday.

Yom HaShoah Many Canadians observe Yom Hashoah, which is also known as Holocaust Remembrance Day. It commemorates the lives and heroism of Jewish people who died in the Holocaust between 1933 and 1945.

MAY 5

THURSDAY

Ascension Day Ascension Day is observed in Canada on the 40th day of Easter. It commemorates Jesus Christ's ascension into heaven, according to the New Testament of the Bible.

MAY 5

THURSDAY

Isra and Mi'raj

MAY 8

SUNDAY

Mother's Day

Many Muslims in Canada observe Isra and Mi'raj (Al Isra' wal Miraj, Lailat al Mi’raj, or Laylat al Miraj). This event commemorates the Prophet Muhammad’s journey from Mecca to Jerusalem and his ascent into heaven. It is observed on the 27th day of Rajab, the seventh month in the Islamic calendar.

Many Canadians celebrate Mother’s Day by showing their appreciation for mothers or mother figures. The Mother’s Day date in Canada is on the second Sunday of May each year.

MAY 12

THURSDAY

Yom HaAtzmaut Many Jewish people in Canada remember Israel’s Independence Day, also known as Yom Ha’Atzmaut (or Yom HaAtzmaut). Celebrations are annually held on or around the fifth day of the month of Iyar, according to the Jewish calendar.

54

MB BUSINESS MAGAZINE MAY 2016

MAY 15

SUNDAY

Pentecost Pentecost is a Christian observance commemorating the descent of the Holy Spirit on Jesus Christ’s disciples, according to the Bible. Many Christians in Canada celebrate Pentecost, which is also known as Pentecost Sunday, Whitsunday, or Whit Sunday.

MAY 16

MONDAY

Whit Monday Many Christians in Canada observe Whit Monday, also known as Pentecost Monday, on the day after Pentecost, which is also known as Whitsunday or Whit Sunday. This period commemorates the Holy Spirit's descent on Jesus Christ's disciples, as told in the Christian Bible.

MAY 22

SUNDAY

Trinity Sunday Many Christians in Canada celebrate Trinity Sunday, which is the first Sunday after Pentecost. It is one of the few feasts that are celebrated as a doctrine instead of an event. It is also symbolic of the unity of the Trinity.

MAY 23

MONDAY

Victoria Day Victoria Day, also known as May Two-Four, May Long and May Long Weekend, is a Canadian holiday on the Monday preceding May 25.

MAY 23

MONDAY

National Patriots' Day National Patriots’ Day (Journée nationale des patriotes) is a statutory holiday in Québec to honor the rebellion against the British in 1837. It falls on the Monday before May 25, coinciding with Victoria Day, each year.

Platinum

CAR CAR & & TRUCK TRUCK RENTAL RENTAL

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WE CREATE & PLACE ADVERTISEMENTS WHERE IT WORKS BEST...!!!

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56

Web Design

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EN FOR S O FURLTE ATI BER M

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Non-Medical Insurance

Life Insurance

Investments

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AFFILIATED WITH

104-100 Dynamic Drive, Toronto, ON M1V 5C4 58

Tel: 1-866-667-1377 Fax: 1-866-204-6888 Toll Free: 1-647-832-7265

Email: info@mbeforyou.com Web: www.mbeforyou.com

CONSTRUCTION SERVICES

ARCHITECTURE, CONTRACTOR & DEVELOPER ARCHITECTURE | ENGINEERING | MASONRY The MB Construction is an approach to home and community design that prioritizes how a person truly wants to live their lives day to day. We understand that your trust must be earned and will work to our best abilities to develop this relationship.

We at MB Construction will always listen to what our customers truly want and always use the best industry professionals to assist your construction.

This is how we're able to report that MB Construction is consistently ranked first in quality, value, and customer satisfaction.

Address: 104-100 Dynamic Drive, Toronto, ON M1V 5C4 Tel: 1-866-667-1377 | Fax: 1-866-204-6888 Email: info@mbeforyou.com | Web: www.mbeforyou.com

Call Us Now 1-866-667-1377 59

MAKE A DIFFERENCE WITH MB ACCOUNTING

Do you want any assistance with your personal or corporate tax issue?

Our professional level experienced CPA & CA’s are available to cater for your accounting needs.

OUR SERVICES

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Bookkeeping

Guaranteed Tax Solution

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Accounting & Taxation

Financial Forecast & Budgeting

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Audit & Assurance Finance

Address: 104-100 Dynamic Drive, Toronto, ON M1V 5C4 | Fax: (866) 204-6888 Email: info@mbaccounting.ca 60

| Website: www.mbaccounting.ca

WE ALWAYS PROTECT CLIENT'S INTERESTS!

OUR SERVICES: WILLS IMMIGRATION ESTATES FAMILY LAW SMALL CLAIMS ACCIDENT CASES CRIMINAL CASES REAL ESTATE

NEED LEGAL ASSISTANCE? INHAAM LAW OFFICE IS A MULTI-DISCIPLINE LAW PRACTICE FIRM PROVIDING LEGAL REPRESENTATION IN REAL ESTATE LAW, FAMILY LAW, IMMIGRATION, WILLS & ESTATES, SMALL CLAIMS COURT AND PERSONAL INJURY.

ADDRESS: 10 MILNER BUSINESS COURT, 3RD FLOOR, TORONTO, ON. M1B3C6 FAX: (416) 583-5205

|

EMAIL: INFO@INHAAMLAW.COM

|

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TEL: (647) 427-2406

WEB: WWW.INHAAMLAW.COM 61

LIVE

RK

WO

LEGAL SERVICES PROVIDER, COMPLETE GUIDANCE FOR IMMIGRATION TO CANADA

STUDY

ION T A MIGR

IM

Address: 4953 Dundas Street West, Suite 106 Toronto, ON M9A 1B6 Tel: (416) 234-0514 62

|

Email: alinaqvi@rogers.com

Website: naqvislaw.com/immigration_to_canada.asp

MBE IS LOOKING FOR

SALES EXECUTIVES

WITH EXPERIENCE IN THE ELECTRONIC PAYMENT INDUSTRY, FINANCIAL SERVICES FOR (ATM/POS).

WHAT WE OFFER TRAINING & FEEDBACK SALARY (PLUS COMMISSION) WITH THE FOLLOWING SKILLS: Comprehensive knowledge of payment industry web Should have 2-3 years experience in Sales & Marketing Financial Services Proficient in Using MS Office Candidate should be fluent in English Negotiate deadlines, budget and work plan with clients in order to complete the work in a timely and cost effective manner Manage and provide content for collateral (Brochures), tear sheets, power points and other pieces as directed.

Coordinates approvals.

Candidate should be familiar with POS/ATM Business, especially B2B customer handling.

Candidate should be target oriented and willing to work under pressure

Tel: (866) 667-1377, (866) 204-6883 Email: info@mbeforyou.com Web: www.mbeforyou.com

CANDIDATE SHOULD BE FAMILIAR WITH

POS/ATM BUSINESS, ESPECIALLY B2B

CUSTOMER HANDLING

(MARKET/SALES), THE CANDIDATE SHOULD BE TARGET ORIENTED AND

WILLING TO WORK UNDER PRESSURE

63

Our Friends and Customers Are Our Advertisements

ADDRESS: 835 King Edward St. Winnipeg, ON R3H 0P8 CELL: (204) 880-2357 64

|

|

TEL: (204) 415-4878

EMAIL: indermavi57@gmail.com

You will appreciate the difference at Decorium. Here you will experience a wide selection of today’s trends for all tastes. Be inspired by our design solutions and personalized service, making Decorium your destination to designing your dream home.

PRESENT THIS AD IN STORE FOR SPECIAL MB SAVINGS

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decorium.com | Shop Online 24/7 363 Supertest Rd. Toronto | 1212 Yonge St. Toronto | 1 800 232 2267

MB BUSINESS MAGAZINE MAY 2016

65

BANQUET & CONVENTION CENTRE WE CAPTURE YOUR DREAMS.

Italian Menu | Continental Menu | Premium Bar | Regular Bar Indian Menu | West Indian Menu | Islamic (Halal) Menu

Address: 6628 Finch AVE West toronto, ON M9W 0B3 Tel: (647) 867-8343 | Web: www.rosegardenbanquet.com 66

Grand Buffet

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IN TORONTO 4141 Dixie Road Mississauga, ON L4W 1V5 | Tel: (905) 212-1255 Email: info@continentalgrandbuffet.ca | Web: www.continentalgrandbuffet.ca 67

68

MISSISSAUGA'S

www.blueandwhitetaxi.ca sales@blueandwhitetaxi.ca

FIRST CHOICE For Reliable Travel Since 1974

Wheelchair Accessible Vehicles

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The City of Mississauga sets our operating rates.

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Our added value and reliable services are Why Choosing Blue & White Taxi is the best decision.

Airport Services

GENERAL INQUIRIES & BOOKING

Automated / Operator (905) 274-4444

|

Toll Free 1-877-274-0470 69

70

MB ENTERPRISE IS LOOKING

FOR YOUNG ENERGETIC SALESR EPRESENTATIVE

for advertising of monthly business magazine.

SKILL SET REQUIRED Must be fluent in spoken english.

The Candidate Should Possess Extraordinary communication and Negotiation Skills.

Candidate Should Be Social and Well Aware of all Canadian Magazines and Newspapers.

Business To Business Customer Handling is Preferred.

Previous Experience in Media Marketing is Additional.

CONTACT: M.Naqvi. (416) 939-9378 | WEBSITE: www.mbeforyou.com | EMAIL: career@mbeforyou.com

MB ENTERPRISE IS LOOKING FOR

ENERGETIC

HARDWORKING ACCOUNTANT FOR OFFICE ACCOUNTS WORK Contact: M.Naqvi. (416) 939-9378 www.mbeforyou.com career@mbeforyou.com

MB BUSINESS MAGAZINE MAY 2016

Preferred accounting background.

Book keeping experience is essential.

The candidate should be target oriented and willing to work under pressure.

71

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(15-30%) $20 GET 1 AIR MILES 4 years Depreciation on write-off / Waive monthly financial charges ( 3% premium for paying on a monthly basis) Contact for MBBP: Karen: 1-800-521-7738 The Johnson Insurance Membership code is required for the member.

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MB BUSINESS MAGAZINE MAY 2016

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LUXURY OF A LIMOUSINE AT REGULAR TAXI RATES.

HEAD OFFICE Address: 40 Wynford Drive, Suite 106 Toronto, ON M3C 1J5 Tel: (416) 465-5555 | Fax: (416)465-5272 Website: www.mapleleaftaxi.com

ABOUT US

Africa, Asia, Australia, North, Central and South America, Europe and the Middle East…

NĀRAT is a full service travel organization conveniently located in Toronto, Canada.

NĀRAT is managed and staffed with only the highest qualified and accredited travel specialists in the Canadian travel industry.

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Seniors discount available Gift certificate available Weekday classesstarting soon for both locations

GOLD | SILVER | BRONZE

After the success of Whitby, we opened a new location in Oshawa to serve you better. Special offers and discounts for new location for limited time offer: Group discount available for 2 or more student registration required at the office, not online.

C ONTACT

306 Dundas St. W. Unit 2 Whitby, Ontario L1N 2M5

Call us and experience the World of NARAT! Address: 250 Consumers Road, Suite 719, Toronto, ON M2J 4V6.

Tel: 1-877-By-NARAT (296-2728) Fax: (416) 850-6819 E-mail: inquiries@narat.org Web: www.narat.org

MB BUSINESS MAGAZINE MAY 2016

444 Taunton Road East Oshawa, Ontario L1H 7K4 Tell: (416) 899-9134 / (905) 217-0522 Fax: (905) 999-8856 Email: accuratedrivingschool@gmail.com

www.accuratedrivingschool.ca

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WAXING

LADIES ONLY

THREADING

FRBEREOWE EYSET TIM 1

FACIALS

WAXING Mon-Thu 11:00am 6:00pm

Fri-Sat 10:30am 7:30pm

2203 Gerrard St. East Toronto ON M4E 2C8 (647) 868-0160

Full Body Only $60 Done in 35 minutes Legs/Arms/Underarms Only $30 Done in 25 minutes Arms/Underarms/Brazilians Only $30/ done in 20 minutes To Book an Appointment Please Contact: Happy at (647) 763 - 9319 BRAMPTON

INC

EXPERIENCED, LICENSED MECHANIC ON DUTY

Knowing your business matters.

Look to Federated Insurance for your business insurance needs.

FOR ANY DOMESTIC AND IMPORT VEHICLE REPAIR AND SERVICE, PLEASE VISIT OR CONTACT US

BRAKES

OIL CHANGES

DIAGNOSTIC

GENERAL AUTO REPAIR

Michael Tolfo 647.989.7430 michael.tolfo@federated.ca

All Makes and Model One Place

www.federated.ca 287 Old Kingston Road, Scarborough, ON M1C 1B4

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(416) 335-1010

info@7stopauto.ca www.7stopauto.ca

3526-012 ed01E | 12-2015

MB BUSINESS MAGAZINE MAY 2016

Horizontal Blinds 3480 McNicoll Ave, Toronto ON M1V 5A7 Call For Free Estimates Mr. Kamal : (647) 895-3385

Vertical Blinds Draperies Shutters

Address: 35 Dundas St. West Mississauga, ON L5B 4M4 Tel: (905) 268-0088 | Email: info@barbqtonite.com Website: www.barbqtonite.com

ENRISE HEATING & AIR CONDITIONING

Call for an appointment today!

OUR SERVICES: OUR SERVICES Furnace Repairs Central Air Conditioning Repairs Furnace Replacement Installations Central Air Conditioning Replacement Installations Emergency Repair Service to All Makes and Models HumidiďŹ ers Air Cleaners Water Heater Repairs Water Heater Installations Annual Preventative Maintenance

45 Sophia Rd, Markham ON L3S 3Y5 (647) 287-7848 enrise@hotmail.ca www.enrise.org

MB BUSINESS MAGAZINE MAY 2016

PSW Chiropodist Acupuncture Physiotherapy Registered Massage Therapy

WE WELCOME: WSIB MVA Rehab Private Patients Extended Health Insurance Call: Kavitha 416-757-2220 / 647-780-2014 5-2085 Lawrence Ave E, Scarborough, ON M1R 2Z4 Website: www.stlukeswellnesscare.com

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Low cost travel packages expert.

Alda Tours

Travels + Money Transfer + Cruises

Need help planning? Call us at 1 877 615 2898!

TRAVELS

MONEY TRANSFER

AL WALEED SALON

CRUISES

Address: 1835 Lawrence Ave. E. Tel: (416) 759-6999 | Cell: (647)-702-4999

Jane and Finch Mall, 1911 Finch Ave W, North York, ON M3N 2V2 Web: www.flycentral.ca

MISSISSAUGA

816 Brita nnia Rd W est, Unit Tel: (905) #103 & 10 567 5677 4 Mississ | Web: w auga, ON ww.silver L5V 0A6 spoononl ine.com

Love & Unity Culture Shop

Address: 2030 Ellesmere Rd. Unit 4 | Tel: (416) 879.0683 E-mail: love&unity@hotmail.com

MILTON www.pearsonvision.com

Our Fleet

SEDAN

SUV

ACCESSIBLE

2570 MATHESON BLVD E, Suite 211, MISSISSAUGA ON L4W 4Z3, TORONTO, ON, CANADA. Phone: 1-855-661-1577 | Email: info@pearsonvision.com

Address: 500 Laurier Ave, Unit # 15 Milton, ON L9T 4R3 Tel: (905) 567-5677 | Web: www.silverspoononline.com

BRAMPTON

TAKEOUT & CATERING

6055 Steeles Ave E, Scarborough, ON, M1X 0A7 PH: (647) 947-2864

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10% DISCOUNT

Address: 249 Queen St E, Unit C Brampton, ON L6W 2B8 Tel: (905) 567 5677 | Web: www.silverspoononline.com

MB BUSINESS MAGAZINE MAY 2016

MBE

inc.

Technical Support & Customer Service

YOUR SUCCESS IS OUR PASSION

MAKE YOUR BUSINESS LOOK MORE APPEALING ADD AN ATM! WHY CHOOSE US? WE OFFER TWO TYPES OF

ATM PLACEMENTS

INCREASE FOOT TRAFFIC

TO YOUR BUSINESS WHILE GENERATING AN EXTRA INCOME FLOW

RECEIVE UP TO

SURCHARGE REVENUE

100%

FULL PLACEMENT With this program, we take care of everything for you including cash management. You never have to worry about anything related to the ATM.

EARN EXTRA Income with our self-serve cash load program.

PARTIAL PLACEMENT With this program, all you do is keep the ATM machine supplied with cash. Any money that customers withdraw is automatically redeposited into your bank account every 24 hours.

MOBILE ATM'S Available for Mega Events

EARNINGS Contact us 104-100 Dynamic Drive, Toronto ON M1V 5C4 Tel: 1-866 -667-1377 | Fax: 1-866-204-6888 Email: info@mbeforyou.com | Web: www.mbeforyou.com

With both programs, you earn a percentage of the surcharge profits from the machine, which are paid to you on the 20th of every month.

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OLUBUNMI OGUNNIYI

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

FORECLOSURES PURCHASE & SALE CIVIL LITIGATION Have You Missed a Mortgage Payment?

Or Have You Received a letter from Your Bank? We Stand Up for the Home Owner!

LIVE

WORK

STUDY

OUR SERVICES: Wills Affidavits Corporate Family Law Real Estate Immigration Commercial Civil Litigation Power Of Attorney

OLUBUNMI OGUNNIYI, Barrister & Solicitor, 2680 Matheson Boulevard East, Suite 102, Mississauga, ON L4W 0A5 Address: 97 black forest drive, Brampton, ON L6R 2E6 | Tel: 1-877-201-3476 Fax: 1-877-201-3476 | E-mail: olu@ogunniyilawoffices.com | Web: www.ogunniyilawoffices.com 78

MERCHANT FIRST CHOICE FOR PAYMENT PROCESSING

E-COMMERCE Manage your e-commerce business along with all of your other payment transactions in one, secure place

BACK OFFICE MAIL & PHONE Process your mail and phone payments online. Great POS is ideal for recurring and instalment payment too.

MOBILE Take payments on the go with and intuitive mobile app that's compatible with most smartphones and tablets.

IN-STORE Accept payments in person with ease using your computer and a broad range of optional devices. like card reader and PIN pads.

E-mail: info@greatpos.ca | Tel: 1-855-669-6227 | Fax: 1-866-204-6888 Web: www.greatpos.ca 79

Helping you is what we do.

Our Listing Package Includes Free*:

BROKERAGE INDEPENDENTLY OWNED & OPERATED

Lawyer Fees Open Houses Virtual Tour Home Staging Coloured Property Feature Sheet Pre-listing Home Inspection Report Advertisement In Our Monthly Magazine Comparitive Home Analysis Home Evaluation Professional Photography Of House *Some Conditions Apply

EXCEPTIONAL REAL ESTATE SERVICES