Thanksgiving Day 2022 - MBE Business Magazine

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EDITOR'S LETTER

Dear Readers,

October is here with the 82nd edition of MBE Business Magazine. Like Labour Day, all of Canada celebrates Thanksgiving day, which falls on Monday, October 10th. Thanksgiving Day is a statutory holiday except in the Provinces of New Brunswick, Nova Scotia and Prince Edward Island.

Canadians celebrate Thanksgiving on the second Monday of October when the Canadian harvest is complete.

You may wonder why Canadian Thanksgiving is at a different time than the United States. You see, it comes on the second Monday of the month, which is the same as Columbus Day in the U.S. Plus, Canada is geographically situated further north, and the brief window of the harvest comes earlier, so they observe it according to the natural seasonal shift.

Canadians have been celebrating Thanksgiving as an official annual holiday since 1879. But until 1957, the date was not fixed and moved between October and November. Since the government officially proclaimed the second Monday of October as Thanksgiving Day, it has been a designated statutory holiday across the country except in the provinces mentioned above.

The mayhem that often ensues on Black Friday (the day after Thanksgiving) is legendary in the United States. Worldwide shoppers head straight from their Thanksgiving celebrations to line up for sales at the mall before it opens.

Although the holiday landing on a Monday does mean that it’s a long weekend for many people, shopping isn’t associated with it, and many stores are closed or hold reduced hours throughout the weekend—especially on Sunday and Thanksgiving Monday.

In this issue, you will find contributing articles from many different personalities, including the management team of MBE - Mr. Mansoor Naqvi, Mr. Mahmood Naqvi and Mr. Alamdar Hussain.

Our team has worked tirelessly to bring this issue to you on our digital and social media platforms. We have also launched our magazine website, enabling us to reach the maximum number of people via electronic media.

Your feedback is precious to us. If you have suggestions or comments, feel free to call us at 1-866-667-1377 or email us at info@mbeforyou.com to tell us what you think about this issue.

For ad placements and marketing-related queries, please email us at digitalmedia@mbeforyou.com

Thank you, Aurora Zabala, Editor In Chief.

Publisher MB Enterprises

Editor-in-chief Aurora Zabala

Senior Editor

Peter Z. Vaisey

Managing Editors

Steve Montgomery

Mahmood Naqvi

Design Cynthia Tolson A. Khan

Production, Technology & Print

Simon Wilson R.J

Advertising S. Hassan Shoeib Kamal

Administration

Alamdar Hussein

Erum Asghar

HOW TO REACH US

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Mail: 100 Dynamic Drive, Unit 104,

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MBE Business Magazine is a monthly issue business magazine published by MBE. Inc. Ontario, Canada.

Printed by Vision Printers

Contents © Copyrights 2017 by MBE, may not be reprinted without written permission.

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HOW TO DO BUSINESS & GETTING SUCCESS AS AN ENTREPRENEUR?

SYED MANSOOR NAQVI PRESIDENT MBE

Doing business & getting success as an entrepreneur is something that is not possible unless you understand what it takes to do business. In the 25 years of my experience as a businessman I have tried to ascertain what success really is & what the formula for success is. Hence, if there is any in the business world that makes an accomplished business man into being an entrepreneur with rich experience and a business empire. The book of my life, i.e. the Autobiography is all about this. How can you make money without investing money? Firstly, you don't need money for the sake of making money. The vital elements you need here includes your intelligence (rationale) thinking, your dedication and finally your focus. These are the key attributes that you would need for sure for the sake of being a successful businessman or an entrepreneur. One last thing you need is mental stability, which is indeed one of the most important of all. If you have all these elements in you, you have the capacity to develop them with time. Obviously, you shall be able to do business with success & for sake of sustainability.

Intelligence is something that is your unique business intelligence. You can sell vegetables and make money. Just like I sold pillows to make money in my struggling days as a businessman. I learned from little things that kept on changing my attitude as a businessman. Your thinking obviously matters for your long term goals as a businessman. The dedication is something which acts like oxygen in your struggle to be a business icon or an entrepreneur. Finally, your focus shall help you in getting to your vision.

IDENTIFY YOUR STRENGTHS:

For some people it’s hard to identify what they need to do? That is, which area of business they have to get in or where they need to invest if they have money. Once you have decided that you can do something for the sake of making money, just start doing it.

The first and the most primary thing is that you identify your key strengths. Your drive, your passion and what things you can do as a businessman. There are hindrances in the business world that comes every day. Someone who hurts you or in other words someone who gets hurt is the one who learns to walk. As soon as you identify your strengths, it’s important that you don’t look behind. Once you have started something, make sure you finish it with the right attitude and the right vision. That will be the start of your walk towards success and you might even start to run when you know the secrets. Just believe in yourself and keep your confidence with you which is something that has helped in identifying your goals and strengths.

SUCCESS COMES AFTER FAILURE:

For many people failure is a fear. However, for the people with the right attitude it’s just another twist in the tail. In fact, success comes after failure or a series of failures. The objective should not be to turn your back and keep striving hard and keep trying, until you achieve success. In my early days, I was selling lottery tickets while I started working and I enjoyed that as well. It’s the attitude that you must never give up, i.e. if you have started you must end.

YOUR JOURNEY WILL HAVE CHALLENGES:

Just like I came across some challenges during my journey, its 100% that your journey to find yourself a place in the business world will have challenges. Everyone loves to build a diamond castle in their dreams. However, not everybody has the hard work, the passion and the commitment to accomplish it.

The challenges of your journey are certain to come whatever you do. However, you should finish something you started, before experimenting on a different thing.

While taking examples of famous & rich entrepreneurs like Warren Buffett, the King of Wall Street, or taking the example of Bill Gates from Microsoft or Apple. We dig deep into their acquisitions, their business journey and their takeovers. However, we tend to ignore their business challenges and what they have come across all throughout their lives while becoming business magnates.

It’s my humble advice to my friends & people who want to learn from my experience - you must think positively and stay

with positive people, especially if you want to attain your business objectives. You must enjoy your moments with good people and with those who are your well-wishers. They are the ones who will open new doors for you and align your thinking in a positive direction. Don’t pollute your mind amongst the negative people, who are there to negate you or demotivate you. They are the naysayers and their attitude is not good for your focus and approach. No work is big or small, from where you can start. Just start it from that point and let it be your starting point. Your positive starting point can be the start of your new life, ironically in memory of positive thinking people and in the circle of good people. Finally, the factor of dedication can’t be ignored which is a huge factor and is a massive source of your positive energy. It is not only a source of your energy, it’s a huge source of your hard work & motivation.

THE BUYER MARKETS IN REAL ESTATE

Recent Analysis Of Situation In Canada

SYED MAHMOOD NAQVI Vice President | MB Enterprises

The interest rates that the Bank of Canada has increased is 75 cents more and as a result the buyers market has become attractive in this current situation for the investors & for future investments.

This has been our prediction in the past and looking at the scenarios and movements of the Canadian market. The past has been a reflection on the upcoming trends and the buyer's market behaviours has similarly been dependent with regards to the past events in the real estate sector in Canada.

IS INVESTMENT IN REAL ESTATE GOOD FOR THE INVESTORS?

After a long period of abnormality and unpredictability in the real estate market, the investors must invest proactively & positively in the market. This is obviously a positive market situation & ideal for the investors in terms of their investments. It is also time for investors to make sufficient growth, if they are looking got good profits in the Canadian real estate market. This is indeed the best time for this thing to happen.

As an expert Real Estate broker we

are continuously saying that for the time being the interest rate is rising, however within the period of a year to a year and a half, there are chances that the market will be even better than what it has been at this point of time.

For people making investments right now, there are plenty of chances that they can make sufficient growth in the future with respect to the profitability margins.

Professionals in the real estate field, must make good use of the current

are making good & fruitful predictions for the markets in the future, i.e. 12 to 18 month period. It is time for you to play with the current markets as the ball is now in your court. Your positive shots shall definitely give you safe & positive results in the near future. These results will appear in the form of returns that are predicted to be with profit margins attached. A huge credit goes to the Bank of Canada who have increased the interest rate by .75 basis points.

WHAT MAKES THE MARKET ATTRACTIVE?

As far as the market’s attractive nature is concerned, the key aspects that makes it attractive are the safety level. Obviously, the market is safe for future investments. Plus on top of this, the level of returns are far better than they were few years back.

The market is an attractive market for the investor if the market doesn't behave abnormally. As a result, it should not be hard to predict market

diversify your investment portfolio & be more speculative rather than being too fast to make assumptions.

Market fluctuations also make the market attractive for investments. Obviously, we are thinking on behalf of the investors, i.e. the buyers. It's a huge reason why we are using the term ‘Buyer’s Market’ more often than any other terminologies. A good risk analysis always tells how good the Buyer’s market is & potentially what benefits will it give in the long term.

THE CURRENT MARKET TRENDS ARE A REFLECTION FOR FUTURE GROWTH:

The current market trends are purely a reflection for the future growth options. This is a period of 1-2 years that we are dealing with as a reflection period for the current market behaviors. For the investors growth it’s highly important to know the current market behaviors while keeping an eye on the interest rate activity. Hence, as professionals we keep

to come out of the effects of the pandemic. Now the markets are showing good signs & a huge credit goes to the pace of recovery that the Canadian Real Estate has shown. Something, which is seen for the very first time in history after seeing many lows in the buyer’s market in Canada. Hopefully, if the situation stays the same for the investors, than the Canadian markets are definitely a heaven for future investments in real estate. The next one to two years shall prove to be the best in terms of the profitability & growth.

MANAGING PEOPLE

The role of management in managing people & managing change

SYED ALAMDAR HUSSAIN Country Head - MB Enterprises

Managing people as they say is something that has shifted to or taken new heights. These are heights that weren’t there in the past with regards to people management strategies. There is a massive role that needs to be determined and understood with regards to the role of management in managing people & managing change. Yes, we are dealing with people for the sake of managing things more authoritatively. This is something that relates to authority & also relates to being authoritative. The word ‘Governance’ here is a vital word for the sake of prospering with the desired eagerness and keenness.

With regards to the role of management or the correct ways in which things needs to be managed? It surely is about people management as the learning outcomes are achievable via managing people the correct way. Yes, we are dealing with professional & mature individuals that are individuals of change in a change management model. According to change management theories, the change is always initiated from top to bottom if the change needs to be powerful in the ranks.

Why being proactive counts in people management is simply to be aware of

the challenges in people management, however one must also stay abreast and alarmed of certain volatile situations that can arise instantly. Managing people via strong leadership makes things easy for those subordinates who are looking to grow & groom themselves for success.

Managing People & Corporate Governance:

Having dependencies with regards to the work culture that differs from country to country. Obviously, manag ing people & corporate governance shares a relationship that is termed as unique. The uniqueness is the key in

How Managing Change Is A Necessity In A Successful Environment?

Managing change is indeed a necessity in a successful environment. Why is this true? Basically, if you are unable to manage change, obviously, you are unable to monitor change for success. Apart from just monitoring the change, it’s important to highlight key change agents that will act smartly during the change process.

Change agents not only are ambassadors for change, but they surely are part of the real change. However, real change is always a constant thing & why real change happens is to have a deeper understanding of change management.

Change For Success- ‘How That Happens’?

Change for success needs to be monitored for a certain time period. If the change is good enough, it must yield positive results. On that contrary, if the change is ‘not for success’, it must give trouble in the beginning & thus create a warning signal for the change operators.

Governing Change throughout the Hierarchies:

Governing the change throughout the hierarchies is the real test for management in a corporate governance. It must not only be strictly observed & monitored but must be prioritized all through the hierarchies, i.e. different positions in hierar chies. Thus, it’s the basis for success & the basis of dynamic & distinguished leadership.

When we are dealing with people management we mustn’t ignore that we are dealing with creatures of emotions rather than creatures of success. Managing change with the emotional intelligence aspects always helps in all the key aspects related to change management. These includes monitoring as well as taking regular feedback. Taking feedback with regards to the change process is indeed one of the technical aspects that the management must know how to resolve.

Making a transparent & highly aspiring feedback system is yet another role of leadership and management that helps in managing change. It can even be termed as innovation in people management and this innovation is not the end, but the start in dynamic change management strategies.

Executing a consistent, transparent & innovative feedback system with the employees, customers, clients & all other stakeholders involved obviously means pure success in future.

Role of management in managing people & managing the change all across the board needs efforts more than motiva tion. Obviously, as change is the key driver towards success in the hierarchies, it helps in the transformation process at a much faster pace.

What is the penalty for breaking a

saving for even longer.

However, it is not uncommon for homeowners to realize that their mortgage contract is not working for them, and they need a change while still in the middle of their term or amortization period. Being stuck in a contract that isn't working can be uncomfortable at best and disastrous at worst.

Luckily, though your mortgage contract is legally binding, there is a way out provided by your lender. While this can be helpful for homeowners who need to get out of a mortgage contract, banks are not going simply allow you to break your mortgage contract without any penalty.

When you break your existing mortgage contract, there will often be a penalty, the severity of which will depend on a few factors. This penalty allows homeowners to exit their contracts while allowing banks to still collect the money they were planning on receiving.

Deciding to break your mortgage contract can be a huge decision and one that you should not take lightly. In this

What does it mean to break your mortgage?

When you agree to a mortgage contract, you agree to continue to pay a certain amount over a set period of timeyour amortization period - divided into smaller terms. The period of time is important, as it allows the bank to determine how much they can profit from lending to you.

When you break your mortgage, you end the contract early and are allowed to repay your mortgage or look for financing elsewhere. In order to make up for the lost profit, the bank will agree to end the contract as long as they are paid a fee determined by the value of your interest.

How early can you break your mortgage contract?

As a mortgage borrower, you will need to renew your current mortgage at the end of each term. When you do so, your current mortgage contract ends, and a new one takes its place. Lenders often offer a few months grace period to renew your contract early. This is not considered breaking a

mortgagee contract and will not incur any penalties as a result.

Breaking your contract early occurs when you violate any of the terms of the loan outside of this renewal period or in a way that is not permitted. This can occur at any time in your mortgage.

Though there is no limit on when you can break your contract, if you do so intentionally, you should carefully consider the timing of this decision. The time frame in which you break your mortgage contract will significantly affect how much you end up paying in penalties, which we will explore later on.

Open vs. closed mortgages

It is important to note that the considerations about when to break your mortgage generally only apply to closed mortgages. In a closed mortgage, you agree to a fixed term and cannot pay back your mortgage early without penalty. In an open mortgage, you can pay back your mortgage as much as you want as soon as you want.

The difference between the two comes down to cost. When you end your mortgage early, the bank misses out on potentially years of interest payments. Open mortgages generally have much higher interest rates to make up for less certain profits.

For this reason, closed mortgages are the most popular option for a large majority of homeowners. Buyers will usually only enter into an open mortgage if they have realistic plans

to pay back their mortgage early and are willing to cover the increased costs.

What happens when you break your mortgage contract early?

A few things can happen when you break your mortgage contract early.

The first would be a mortgage default due to a missed payment. Since you agreed to pay on time every month, missing a payment is a violation of your mortgage contract. In this case, it is usually an accident or an unavoidable circumstance for a homeowner who otherwise wants to continue their mortgage.

You will need to work with your bank to remedy the situation, including outcomes like a penalty fee and increased future payments to compensate for the missed value. Missing a mortgage payment is a horrible situation because it can damage your credit score or result in the loss of your home. If you suspect you may miss a mortgage payment, you should talk to your lender as soon as possible.

The other time homeowners may choose to end their mortgage early is by paying it off either with savings or through a refinance. In this case, you have broken the mortgage contract, but the fact that you have also paid it off makes it a lot more welcome by banks.

The bank has been paid back in full for what it borrowed, but they have also lost some potential revenue in the form of interest. In this case, your bank will usually charge you a

penalty fee, the value of which will be based on your mortgage terms and interest rate. As long as you pay this penalty, there will be little consequences or damage to your personal financial health.

How are penalties calculated?

When you decide to break your mortgage early, there are a few ways your bank will choose to calculate your penalty. Generally, this calculation will be outlined somewhere in your initial mortgage agreement.

When it comes to breaking your mortgage, a fixed rate mortgage and a variable rate mortgage will have their penalties calculated differently. In many cases, the variable rate mortgage will be the cheaper of the two to break, though this will depend on current interest rates.

Breaking a variable rate mortgage

The simplest calculation is used for variable rate mortgages. If you break a variable rate mortgage early, your penalty will be equal to 3 months of interest at either your current rate or at the lender's prime rate, depending on the lender.

For example, if you had a variable rate mortgage at 4% interest with $200,000 remaining in your mortgage balance, your penalty would be calculated as follows: • 200,000 × 4% × (3/12) = $2000 It would cost you $2000 to break this mortgage.

Breaking a fixed rate mortgage

With a fixed-rate mortgage, things get a bit more complicated. When you opt to break a fixed rate mortgage contract early,

you will pay either three months of interest or the value of what is called the Interest Rate Differential (IRD), whichever is higher. For the three-month calculation, it will be essentially the same as above. The IRD, however, takes a bit more explanation.

An Interest Rate Differential represents the difference between the interest you would pay your lender calculated at two different rates. The first of these rates is the rate, excluding any discounts that was active on the day you signed your mortgage. The second rate is the posted rate for the length of time closest to the amount of time left on your mortgage. So, for example, if you were two years into a five-year term (thus had three years left), your bank would calculate your IRD using your current rate and their three-year mortgage rate.

Once the bank has determined these two mortgage rates, they will find the difference between the two and use this rate to calculate a hypothetical interest amount for the remainder of your term.

An example

Let's look at an example to help make this clear. Like before, you have a remaining mortgage of $200,000 with 3 years left on the term. When you signed your mortgage, the most current posted rate for a fixed rate mortgage was 5.5%. Your bank's current posted three-year interest rate is currently 4.5%.

The difference between these two mortgage rates is equal to (0.055 - 0.045) or about 1%. This rate equals out to about 0.00083% per month. Multiplied over 36 months, you get 3%, then this is finally multiplied by your remaining principal to reach the final payment amount of about $6000.

If you instead calculated three months of interest at your current rate, you would get $2250, meaning you would pay the higher IRD penalty.

Note that these figures do not represent a real case but rather a hypothetical demonstrating how quickly your mortgage penalties can stack up. In addition, the IRD is a bit of a cumbersome figure to work out, and you may make a mathematical error along the way. When considering the penalties of breaking your mortgage, you should always speak to your lender or a mortgage broker who will be able to calculate the most accurate penalty for your circumstance. This will be crucial for determining the feasibility of breaking your contract.

Why would someone break their mortgage?

So now that you understand the potential costs of breaking your mortgage, you might be wondering why someone would go this route. If someone is willing to pay thousands of dollars to break their contract, the alternative must offer them even greater savings. Ideally, this is true, but it is also why you must carefully consider the outcomes before breaking your mortgage contract.

Refinancing

One common reason to break a mortgage contract is to refinance the mortgage. Beyond offering you the ability to change your mortgage contract on nearly every level, a refinance can allow you to draw a significant amount of your home's equity out. This large equity payment may very well make up for the penalty you will incur, though this will depend on the size of your penalty and the amount of equity available in your home. On the other hand, if the penalty is too great, you may want to consider using something like a HELOC to access equity without breaking your mortgage contract.

Looking for a better rate

You may also be choosing to leave your mortgage to get a better rate elsewhere. This will only make sense if the savings you make from switching are greater than the amount you will need to pay for a penalty. Once again, you should consult a professional who can run these numbers for you, as interest calculations can get complicated. In this case, you may also have the option of waiting until the end of your term to end your mortgage without penalty, which might be the more financially sound option overall.

Buying a new home

Another reason a homeowner may break their mortgage early is if they are moving to a new home either by choice or due to a change in personal circumstances. In this case, it may come in handy if you can port your mortgage to avoid penalties, though this may not be an option in all cases. If you really must sell your home, you will be forced to pay the fine, so you should try and be aware of how much you will need to pay to account for this in your search for a new home.

Options to avoid early prepayment penalties

Because of the hefty penalties that breaking your mortgage can incur, you might be interested in some strategies to reduce your penalties. Luckily, there are some ways you can reduce or eliminate your early prepayment penalty.

Prepayment privileges

First of all, there is often an amount of your mortgage that you

can pay back early without any penalties at all. If you know that you will break your mortgage contract in advance, it may be worth paying as much as possible in prepayment privileges to reduce the principal amount used to calculate your penalties. Be aware, however, that some lenders will limit your ability to use this option if you are too close to the date you break your mortgage.

Wait until the end of your term

You may also choose to wait until the end of your term to end your mortgage contract. At the end of your term, there will be no penalties for paying off your mortgage or renewing elsewhere. Depending on the fees your bank may charge you, and if you have time to wait, it may cost less to continue paying interest for the remainder of the term than it would to pay in full and incur a mortgage penalty.

Get a blended rate or port your mortgage

If you are breaking your mortgage contract to refinance elsewhere with a lower rate, you may also want to consider a blended mortgage rate. This can allow you to access a lower mortgage rate while still keeping your mortgage intact, thus avoiding penalties. If you are breaking your mortgage to buy a new home, you may be able to port your mortgage, which can help you avoid penalties.

Each option will present its upsides and downsides, and some, like early prepayments, may require you to plan some time in advance. Before you break your mortgage or employ one of these alternative strategies, we encourage you to speak with a mortgage professional who can speak more in-depth regarding your particular needs.

Conclusion

Mortgage contracts may seem concrete, but they aren't unbreakable. Your lender knows that circumstances change, and so long as the deal can remain financially beneficial, they are willing to work with lenders to break their contracts early. The most important thing to know, however, is just how much you stand to pay in penalties before you make any decisions regarding breaking your mortgage, as this can significantly impact your plans moving forward.

If you want a change but aren't set on breaking your mortgage entirely, you can also consider some options that may help you make a change without breaking your mortgage.

Once again, we encourage any homeowner to consult with a mortgage professional for accurate information and advice on their personal circumstances before they make any decisions.

DIGITAL APPRENTICESHIPS MAY SOLVE TALENT SHORTAGE

When corporate leaders in Canada were asked to name threats to business growth in a 2021 KPMG outlook poll, digital skills were identified as the top concern. Across every sector and size, Canadian businesses are unable to recruit and retain digital technology specialists who can help them keep pace with new and emerging IT solutions.

For Canada to advance as a global leader in the digital economy, we need to solve our tech talent shortage. Innovative programs in post-secondary education, built on proven international models, can help make this happen.

Canadian companies are competing for the same small pool of information communication technology (ICT) specialists, such as software developers, cybersecurity analysts and data scientists to develop, improve and protect their product and services. If Canada doesn’t act quickly to address these acute ICT sector skills gaps, exacerbated by the pandemic, we risk falling further behind. Yet while companies struggle to hire and keep highly skilled ICT specialists, an estimated 1.7 million Canadi-

ans are excluded from the digital economy.

According to Deloitte, Black, Indigenous and people of colour (BIPOC), immigrants, individuals with disabilities and older people face systemic hurdles to IT careers. They constitute untapped potential tech talent that could help drive economic growth by 50%, and could bring their diverse backgrounds and perspectives to solve complex issues.

To scale up Canada’s tech workforce, we need to create and facilitate more affordable, inclusive education pathways to digital technologies careers.

Integrated programs bring post-secondary institutions and industry together to provide an opportunity for untapped talent. An integrated program is a uniquely flexible alternative to traditional university study. Learners work full time with an employer for four years, earning a salary, while devoting 20% of their contracted working hours studying for a university degree.

As leaners simultaneously work on the job and learn in the classroom

JANE GOODYER

and online, it opens doors to those who wouldn’t otherwise have the time or money to pursue a degree.

For employers, it’s an opportunity to upskill an existing workforce and attract new high quality talent whose ideas, knowledge and skills can add value to an organization from day one.

As work and learning occur in a seamless environment, businesses can benefit from a learner’s access to the latest expertise, knowledge and resources that a university provides.

At the same time, because the program is codesigned and developed by numerous businesses and industry associations alongside a university, the curriculum and learning outcomes anticipate industry needs and shape their evolution.

At the heart of an integrated program is a tight knit symbiotic industry-academia relationship which reimagines the future of learning and employment.

Integrated programs are based on a highly successful work integrated learning model established in the U.K., called degree apprenticeships.

Since 2015, when the first degree

the top programs.

Manchester Metropolitan University, one of the leading U.K. providers of degree apprenticeships, reported 100% of their employer partners found that apprentices contributed to growing talent. Learners performed so well during their program, 78% received a pay raise and 64% received a promotion.

For digital technologies program, the average student salary a year after graduating was 46% higher than the average U.K. computer science graduate and 5% higher than graduates from the top five U.K. computing courses (including Oxford and Cambridge).

Now it’s coming to Canada. Jane Goodyer said “I led the design and implementation of New Zealand’s first degree apprenticeship pilot program based on this proven U.K. model - and I’m excited to make it a reality in Canada, too.”

At Lassonde School of Engineering at York University, they have brought together technology experts from various ICT sectors and codesigned a program that can create the next

sector.

Enrolled students will work while simultaneously earning a bachelor of applied science degree. As a scalable model, the first integrated program has the potential to address the national tech skills shortage and regain footing we’ve lost in the global digital economy.

Preparing these graduates will empower Canada to innovate and disrupt, filling domestic vacancies while also attracting global investment.

ent.

OCTOBER EVENT CALENDAR 2022

4 OCT TUESDAY

Feast of St Francis of Assisi

Many churches in Canada celebrate the Feast of St Francis of Assisi on October 4 each year. The feast commemorates the life of St Francis, who was born in the 12th century and is the Catholic Church’s patron saint of animals and the environment. It is a popular day for pets to be “blessed”.

8 OCT SATURDAY

Milad un Nabi (Mawlid) (Tentative Date)

Many Muslims in Canada celebrate the Prophet Muhammad's birth and life or mourn his death on Eid Milad ul-Nabi (Mawlid, Milad-un-Nabi). The date occurs during the Islamic month of Rabi' al-awwal. Some Muslims mark this occasion by fasting or with parades, special prayers or conferences.

10 OCT MONDAY

Thanksgiving Day

Thanksgiving Day in Canada has been a holiday on the second Monday of October since 1957. It is a chance for people to give thanks for a good harvest and other fortunes in the past year.

16 OCT SUNDAY

Hoshana Rabbah

Many Jewish people in Canada mark Hoshana Rabbah as the last day of Sukkot in their calendars. This day is the end of the Sukkot period, also known as the Feast of Tabernacles. The Sukkot festival is observed during the week starting on 15th day of Tishri (or Tishrei), which is the first month of the year in the Jewish calendar.

Shemini Atzeret

OCT MONDAY

Many Jewish communities in Canada celebrate Shemini Atzeret (or Shmini Atzeret) and Simchat Torah. Shemini Atzeret is a Jewish holiday dedicated to the love of God. Simchat Torah marks the end of the Sukkot (or Sukkoth) festival.

OCT MONDAY

Diwali/Deepavali

Diwali (Dīvali, Dīpāwali, or Deepavali) is a festival of lights observed in October or November each year.

Halloween

Halloween is celebrated in Canada on or around October 31. It is a day to mark the single night in the year when, according to old Celtic beliefs, spirits and the dead can cross over into the world of the living. Some people hold parties and children may trick-or-treat in their neighborhood.

CROSSWORD

SOLUTION

PRIVACY IS WORTH MORE THAN $9.00

How much is your privacy worth?

According to our venerable Canadian icon Tim Hortons, the answer is a coffee and a doughnut.

This is the company’s provisional settlement to a series of class action lawsuits after it was discovered that the Tim Horton’s app was gathering data beyond reasonable expectation, tracking users’ location even while not using the app. In an announcement, the company said it would provide a hot beverage and a baked good, totaling about $9.00 – despite that being a very odd, generous interpretation of the price of a double-double at Tims.

It is an ironic twist. In June of this year, a consulting company listed Tim Hortons as the country’s most trusted

company must now work to re-earn. As the company itself notes, the allegations surrounding the invasion of privacy were not proven in a court of law, and in a classic corporate-speak, Tim Hortons says the settlement is not an admission of any wrongdoing.

But looked at another way: Tims clearly messed up. And beyond the mistakes made by our national peddler of coffee, the episode is a reminder that, though Canada has established rules for privacy breaches, things are less clear when it comes to more explicit wrongdoing –and that is a situation that cannot stand.

The whole sorry episode stems from a 2020 National Post article by

that the Tim Hortons app you might be use to get a doughnut was in fact tracking users locations beyond use of the app itself.

As a result of the article and justified outrage, the Office of the Privacy Commissioner of Canada – a federal agency meant to protect privacy rights – conducted an investigation which concluded that, in its view, “Tim Hortons did not collect and use the granular location data in question for an appropriate purpose in the circumstances” and that the invasion “represented a loss of users’ privacy that was not proportional to potential benefits Tim Hortons may have hoped to gain.”

To be clear, the commissioner also stated that “Tim Hortons’ actual use

Canada has for some time had rules around what a company’s obligations are when a privacy breach occurs, such as when data is acquired through illicit means. The Personal Information Protection and Electronic Documents Act or PIPEDA outlines what a company must do to inform customer’s of both a breach and potential harm.

But for now, companies do not have similar regulation around their own invasions of privacy. Alas, those laws have been held up by the quite legitimate debate over new legislation regulating the internet called the Online Streaming Act, and privacy rules are now proposed in Bill C-27.

As with all legislation, debate and criticism is necessary. But bills designed to protect privacy have a funny habit of getting watered down after corporate lobbying and other private interests have their say.

What is clear is that Canadian companies and international companies operating here not only need a clear set of rules over what data they can collect and under what circumstances, but also what happens to them when they in fact break those rules.

That Tim Hortons can settle an investigation with an agency of the federal government and admit no wrongdoing – all the

to rounding errors for companies whose market caps are in the hundreds of billions.

Secondly, and perhaps more importantly, a lack of a clear legal framework for the gathering of data, including punishments for offences to act as genuine deterrents, signals that

Canada is not serious about privacy. That must change.

In her forthcoming book “The Fight for Privacy: Protecting Dignity, Identity, and Love in the digital age,” author and professor Danielle Keats Citron argues that the import of privacy is not merely abstract. It is, rather tied to our most basic sense of self, and also what enables us to form intimate connections with others.

That is ultimately what is at stake – and it is not something that can simply be bought off with, of all things, a double double and a honey glazed doughnut.

OFFICE PUSH FUELS REMOTE WORK DEBATE

BRETT BUNDALE

A return to office showdown is unfolding in Canada and pitting some bosses and workers against each other as the back to school season brings with it a renewed push to get employees back into office buildings. It’s a battle experts say could end a years-long experiment in flexible remote work – or spark a sweeping worker revolt.

“We’re seeing some evidence of a broad pushback,” said David Zweig, professor of organizational behaviour and human resources management at the University of Toronto. “Until this pandemic is dead and gone, going back to the office is going to be a hard sell.”

It’s not the first time white collar workers have been recalled to

cubicles. Yet previous return to office pans were derailed by fresh outbreaks and new variants. This time, however, some companies appear to be drawing a line in the sand. Rather than voluntary return to office guidelines, employers are mandating office attendance through corporate policies.

Some big banks and Bay Street law firms appear to be leading the charge, issuing memos mandating a set number of days a week in the office post Labour Day weekend.

Law firm Osler, Hoskin & Harcourt LLP said in a statement that on Sept. 6th, its offices will move to a hybrid zworking model where most employ-

ees will work three to four days a week in the office, subject to operational requirements and local public health guidance.

The head of Royal Bank of Canada recently said organizations need to find the right balance between remote and on site working.

“It won’t just happen organically,” RBC’s president and chief executive Dave McKay said in a LinkedIn post.

“We’re asking teams across the bank to start coming together in person more often to work and collaborate.

For many managers, the office is about culture. It’s a place of collaboration, face to face teamwork and yes, even office cooler chit chat.

We’re hearing from organizations that the value of creative collision that happens in offices just cannot be recreated virtually,” said Tara Van Zuiden, Deloitte Canada’s human capital partner and leader of workforce transformation for Western Canada. “They want the connection and collaboration that happens in person.”

For many workers, the preference for working from home is about flexibility and the lack of distractions. They want a better work life balance and an end to lengthy commutes. “People want to hold on to the autonomy and flexibility that they’ve gained around their work schedules during the pandemic,” said Zweig.

Of course some employees never worked remotely and other are clamouring to get back to the office five days a week. Some companies have already moved to a hybrid model permanently - or quit office leases and told workers to say home.

In May 2020, Canadian tech giant Shopify Inc. shifted to a fully remote “digital by design”, company - saying in a press release its location was not its Ottawa headquarters but “Internet, Everywhere.

The company does most of its work remotely and “occasionally we gather in person in highly intentional ways to build trust with our teams and connect to our mission. We call these “bursts” spokesperson Jackie Warren said in an email. But other companies are rolling out new guidelines for returning to the office this fall, a situation that could lead to a standoff between managers and workers, some observers say.

“If they’re going to call people on back en masse, every day as it was before, they’re going to get employee pushback,” said Adam Savaglio, an employment lawyer and partner with Scarfone Hawkins LLP in Hamilton.

“We could see a mass revolt.” Many workers have argued their productivity has remained strong or even improved while working from home. They say their quality of life is better as they spend more time with kids or pets or doing activities that improve their mental and physical well-being. They bristle at the idea of a rigid work day, long commutes and expensive downtown coffee and lunches.

“We’re on a bit of a collision course,” said Mike Shekhtman, a regional director with recruitment agency Robert Half. “Some employers believe the office is the best place to see a high

level of productivity. They still believe they have to see and hear their teams in order to feel like they are collaborating and innovating. But some workers are really questioning that.”

Companies that issue strict policies around returning to the office this fall could face a wave of workers quitting. It’s a significant threat in a tight labour market with a rock bottom jobless rate.

“Some employees will find the more prescriptive return to work policies won’t work for them and they will vote with their feet,” said Van Zuiden with Deloitte.

Yet it’s not about retention.

Job hunters are often searching for flexible work arrangements. Positions with strict office attendance rules are becoming harder to fill, experts say.

“The biggest challenge for employers will be that if they mandate a hard return to the office, employees might feel like they have been treated unfairly and are losing control,” Zweig said. “When that happens, people often try to restore a sense of fairness and equity by engaging in less work, like ‘quiet quitting,’ or worse.”

APPROVAL OF NEW LANGUAGE TEST FOR CANADIAN IMMIGRATION BY THE IRCC

The IRCC, or Immigration Refugees & Citizenship Canada is an organization that is responsible for the approval for Canadian citizenship & migrations. It is a body that dictates terms for the sake of controlling, monitoring & many other aspects that relates to immigration & asylum in Canada. It’s a fact that currently the process for an organization to get designated is long, complex in terms of the procedures and ‘insufficiently transparent’.

In terms of the language testing, it’s IELTS, or International English Language Testing System that is the language testing system for sake of immigration & other which includes the student’s visa. With regards to the departmental roles & the responsibilities that relates to the language testing are in current times not well defined. Apart from this, the issue is that there are overlapping policies and operational implications. The language testing in Canada is on the basis of two languages that are spoken all over in Canada & to a higher extent in some of the provinces. For example in Quebec province, the language spoken & tested for sake of immigration is French language. However, the testing system tests mostly on the basis of English language & regards to the proficiency that’s needed to be there. This is known technically as ‘language proficiency’ and is something that demands success in terms of immigration numbers and other related aspects with the IRCC.

Brief History of the Language Test:

A brief history of the lingual testing system or the language testing for Canada is relatively not so old. It is since the year 2010, i.e. 12 years from today that IRCC has only accepted the language test results from designated orgs. Hence, as evidence of language proficiency. It’s the ultimate authority of the immigration minister to

designate any language testing organization. Apart from this pre-requisite, it’s also their responsibility to approve a specific language test for the purpose of evaluation. Obviously, by evaluation we mean evaluating the language proficiency of immigration applicants. This role is a very technical role in terms of the key responsibilities. Hence, the role has been delegated to the Director of Economic Immigration Program & Policies. The key reason behind this is the immigration is planned according to the Economic indicators & economic policy framework that is in place currently. Any language testing organization appointed by the Minister of Immigration can obviously & effectively seek designation by providing a submission demonstrating how they can meet the IRCC’s criteria.

According To the IRCC, French Testing Mustn’t Be Left Out:

According to the IRCC, i.e. Immigration Refugees and Citizenship Canada, the French language mustn’t be left out in any case. We are not dealing with France, obviously, its Canada we are dealing with. However, certain provinces in Canada are far more linguistic in French as compared to English language. A huge number of migrants apply yearly basis to Quebec provinces, a pre-dominantly French speaking Province and the one where French language is most spoken language in a Canadian province.

French proficiency has points in the migration system in Canada & while organizations delivering the TEF and TCF are the ones that are prepared to meet the growing demands.

This is according to the IRCC, there will likely to be more demand on French designated organizations for the sake of increasing the testing capacity. Hence, as well as greater

ship, the individuals that are between the ages of 18 and 54 are the ones who need to demonstrate their levels of proficiency which has variance according to the age & obviously academic backgrounds. This is done on the basis of reading, writing, listening & speaking, i.e. oral communication. The languages that are used for the sake of demonstrating proficiency levels in Canada are English & French language. In the ways approved by the body IRCC, the applicants can submit the results of a language test to demonstrate their proficiency levels.

Whilst, this is true, the temporary foreign workers are the ones who don’t need to demonstrate their levels of proficiency. International students must do so for the sake of providing evidence that they shall be able to comprehend with the standards & flourish in the Canadian academic settings.

they cannot even compromise on the academic standards that are set by the Canadian Universities & colleges. For the sake of people coming to Canada for immigration or applying for refugee, the criteria can be a bit different than for those coming to Canada for degree or research. It’s a country where Universities excel in terms of their various levels of expertise.

Best Things To Do In Cambridge Canada As A New Visitor

Cambridge is a beautiful city in Canada in the Province Ontario & one of the three core cities of Canada’s tenth-largest metropolitan area. Don’t mix it up with Cambridge city in England or Cambridge in USA, Massachusetts. We are talking about the gorgeous home of Ontario province, it’s a city that stands tall in the wide list of the metropolis from Ontario province. Definitely, if you are planning to make a visit to Canada, never exclude the destination Cambridge from your exclusive list. The best thing is that the people of Cambridge have maintained the standards of the gorgeous city to make it look as green & tidy a city as possible.

A trip to Cambridge will always be useful if you make a trip in groups, i.e. either with your family or your friends. We shall be covering the places you must visit on your trip to the gorgeous destination Cambridge. A place that people of Ontario takes pride in living, visiting & roaming around with their family & friends.

The Fashion History Museum:

A must visit museum for the people coming to Cambridge. A museum that is situated in the gorgeous city Cambridge and chronicles the history of fashion. From where different fashions originated in the vast country Canada & how? The museum was founded a bit more recently than one could think probably. It was founded in the year 2004 and the founders of the Fashion museum were Jonathan Walford and Kenn Norman. In the first 10 years of its existence it actually

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lacked a permanent gallery. However, it generated exhibitions that used to travel around Canada and other parts, i.e. Hong Kong to Bahrain.

However, it was in the year 2015, that is, 7 years from today that the museum got a new shape. Today, the museum has over 10,000 collections. These collections may include the oldest existing European shoe worn in the continent North America (in the mid-17th Century). Thus, names like similar collections in the list of many which definitely makes these collections as highly unique ones. Other similar ones includes, garments collections by Hollywood famous costume designer Adrian. The full name of the designer was Adrian Adolph Greenberg. Apart from these unique collections, the museum also includes collections of skin, feathers, and bone of the endangered species. Hence, as there are many endangered species found in the Province Ontario & used in Hollywood industry. Some of them are even in the category of being extinct.

The Riverside Park- Cambridge:

Spend a day at the Riverside Park while you are on your first visit to Cambridge. The Riverside Park is usually known as Cambridge’s largest community park. One can perform many activities in the park which includes hiking, playing on one of the many playground structures i.e. soccer or cricket & having fun while you spend some time with children which picnicking. The most preferable activity for people coming to the park is

actually picnicking as there are four picnic points in the park and it’s also charged, but the fee is very economical, i.e. affordable by everyone.

A great day to spend with a group of travelers coming to Cambridge and making the best of their trip.

The Dunfield Theatre:

It’s the Dunfield theatre which is one of the most gorgeous places to visit for people coming to Cambridge. Some people make it their top level priority to visit the Dunfield. The theatre is located in the historic downtown along the Grand River in Cambridge city. The theatre is vast and has a capability to accommodate approximately 500 viewers at a time.

The Dunfield is obviously equipped with state-of-the-art facilities, i.e. with top quality acoustics for the sake of making sure that an advanced level of experience is there for the audience visiting Dunfield.

In the gorgeous city Cambridge, the Dunfield theatre is dynamically and gorgeously positioned near the shopping zones with the diverse range of fascinating attractions.

Gorgeous Forests at Dumfries Conservation Area:

The conservation area at Dumfries is an area that has some gorgeous looking forests. Offers a wide list of outdoor recreation facilities and is an attraction for the naturalists. Otherwise, people who just love nature and want to explore nature with walks, hikes and while cycling. All the conservation area is all filled with plantations as well as matured forests. Also, includes wetlands and trails running through it. It was in the year 1970, some 52 years from today when the land was donated by late P R Hilborn to the Province Ontario.

Sculpture Garden Of Cambridge:

A gorgeous and peaceful place that shelters just one heritage tree. The Cambridge Sculpture Garden is famous for a 130 year old living Oak Tree. It’s one of the 10 heritage trees in the city Cambridge. Like other gardens, it’s indeed a very remarkable garden in Cambridge city which is perfect for enjoying the true beauty of nature. Also, taking a walk, organizing picnics & adoring the nature. The beautiful garden is highly dedicated to preserve and enhance the green environment in downtown Galt.

BRINGING THE ESSENTIAL BRILLIANCE IN ENTREPRENEURIAL THINKING

While talking about entrepreneurial brilliance one must keep in mind that there is no design or a formula for entrepreneurial thinking. However, as an entrepreneur, one must not only think bright, but also think with a larger mindset. While there is no set formula for showing the entrepreneurial brilliance, however, at the same time there are things you can do to increase your chances. Many successful entrepreneurs are asked the question where do you get your ideas from. Actually, the thing is that they really hate the question as entrepreneurs have a mind that is full of ideas & they are the ones who govern their thoughts, thus their actions as well. In fact, the question where do you get your ideas from? Doesn’t

necessarily have one answer, or there is no one true answer. The mind of the entrepreneur not only revolves around the money, but it also revolves around structural thinking. Furthermore, an entrepreneur also thinks with a larger scope or one can say a scope that is much broader & wider in terms of the spectrum.

While, we consider the many Canadian startups. The fact that concrete thinking comes in unexpected forms. For almost all these enterprises, it’s all about creating the conditions that foster innovation.

Giving Your Team Flexibility:

Giving your team the flexibility that they need is part of the dynamic entrepreneurial thinking. The studies have routinely shown that the flex hours increase the productivity, while at the same time improving the talent attraction as well as retention. It is all about achieving the goals in a manner that suits one best. The entrepreneurial flexibility elements were shown dynamically while during the pandemic Coronavirus, employees were given the leverage to work from home. At the same time, the entrepreneurs demonstrated flexibility in terms of the feedback system as well as how team work was demonstrated.

Learning From People That Are Different:

A key aspect of the entrepreneurial thinking is to learn from people that are different & unique. An example is that during the pandemic Covid-19, when the virus was officially announced. One of the companies known as BlueDot having a brilliant, AI Technology was built to fight such a crisis as well as predict such a crisis situation which was termed globally lethal. Hence, for a period of seven years, CEO Dr. Kamran Khan tirelessly assembled a diversified team of more than 50 people. These are experts to power and fine-tune the mind of his machine. These included doctors, data scientists, geographers, software developers, epidemiologists, veterinarians etc. Thus, learning from people with a vast experience & a diversified background. He said that, we appreciate to speak each other’s languages & have a deep understanding of each other’s perspectives. The perspective thing matters a lot for having a flexible entrepreneurial thinking.

An entrepreneur’s background might be entirely different from what he is making money in, i.e. the true source of money making. However, at the same time, his learning makes him diverse, unique and brilliant in terms of the thinking patterns.

Turning Pain into Purpose- ‘An Art of an Entrepreneur’:

The thinking which later transforms into a quality is turning pain into pure purpose. This can also be an art of an entrepreneur. There are many companies that have shown this thing & the way they have turned pain into purpose is simply amazing & exemplary. If we discuss this scenario regards to the care homes in Canada. As a matter of fact, in Canada the pandemic has actually ravaged long-term care homes. That represents almost 80% of all the COVID-19 related deaths. There are certain statistics that relates with the health care in Canada that are forcing the Canadian Govt. to rethink healthcare. This also includes the fact regards to the UN who also expects about 2 billion people to be over the age of 65 by the year 2050.

Thus, the pain of COVID-19, is dynamically bringing attention to the reforms in the healthcare which is an example of how entrepreneurs react to pain & transform it into purpose.

Trusting Your Employees:

While trusting your employees is part of the entrepreneurial thinking it gives employees the confidence as well as the motivation. Apart from the two, it brings in the employees the sense of ownership & the sense of being possessive.

It’s a fact that no CEO or owner of a company has all the answers. It’s just that they need to occupy themselves amongst the people who are talented & can take you into the right direction. For the entrepreneurs the direction matters, & increases the level of trust that an entrepreneur showers on their employees.

While bringing the essential brilliance in entrepreneurial thinking, it’s vital to realize that the thinking matters to those who are associated with you & your business goals & the business environment.

Canadian Institute Of Food Safety & Why It Holds Utmost Importance

It’s a huge fact that the consequences of a food safety incident can be very serious & damaging. Why Safety training is the answer for all the issues that relates to Canadian Food & Safety. It can be evident from many things in case if you have a food business. Importantly, as some food businesses still regard food safety as simply an extension of common sense. This can be a case for a number of reasons, obviously, if you own, operate, manage or work in a food business. The number of reasons can be if in case you are held to a higher standard by health inspectors. You have to strictly comply with federal, provincial and the municipal laws and bylaws. Otherwise, if you are subject to legal and financial consequences if in case you fail to handle

food safety. Finally, you could be fined or closed down for the reason of failing to meet the food safety & hygiene standards.

Food Health & Safety according to the Canadian Institute for Food Safety (CIFS) is for the sake of protecting the customers from potential health risks. According to Health Canada it reports that every year approximately 4 million Canadians get sick from food-borne illnesses. Over 12,000 Canadians are hospitalized and more than 200 people die yearly. For the sake of prevention of such illnesses and to make sure health & safety stays a number one priority. The best thing is to understand how food can become contaminated. Secondly, know in advance about potentially hazardous

food and understand the causes of food-borne illnesses. As a food business there must be ample amount of understanding of how to safely store, prepare, cook and serve food. Finally the importance of personal hygiene at the workplace.

The Food Safety Training Is Good For The Business:

For the sake of a number of businesses the Food Safety training is an optimistic thing for them. Something, that relates with the overall picture, i.e. for the businesses in all over Canada that includes all the provinces of Canada. The losses that the food businesses take are huge in number. You surely as a business owner lose money as soon as a customer sends back food that they fear is uncooked

or contaminated. As business owner you might also lose money when the food handlers don’t really know how to perform proper stock rotation. Definitely, as a business owner you might lose money or have to pay the penalties if you fail your health inspections. The losses are mostly in form of fines that you might have to pay.

Negligence is a huge hazard in the food business and in case of extreme negligence you as a business owner can be held legally responsible. That is, for causing harm to customers, even if you are just a server in the business.

In Canada, Food Safety Is a Legal Requirement:

The food safety is surely a legal requirement in Canada and something that is critical for the success of the business. Yes, precisely, we are more concerned with Canada and the restaurants & the food environment that is mainly in the country Canada. It’s also a highly legal requirement if you serve food to the general public. Surely, you are a food business under the law and must strictly comply with the food safety laws and regulations in your specified provinces and territories. There are slight variance in the law & the outlaws shall have to pay heavy fines for not following the laws. It’s not about winning or losing & earning money apart from anything. It’s really about safety & food, health & safety is Canada’s primary concern according to the Canadian Institute of Food & Safety. In the most provinces in Canada according to the

Institute, there must be one person physically available on the business every time with a valid Food Handlers Certificate.

This is something which is relatively easy & as a food business owner you can acquire your certificate online. CIFS, the Food Handlers Certificate Course can even be completed in less than a day or up to 30 days to complete. If in case you have a group of employees to enroll, you may also be eligible for a CIFS Business Account. In order to find out how a CIFS Business Account can help the business manage food safety & comply with Food Safety laws and regulations. You must surely get in touch with Canadian Institute of Food Safety (CIFS).

Protect your customers with food allergies and be aware of the Food Health & Safety Laws in Canada. Health Canada is an organization that is dedicated for the sake of food health & safety along with the Canadian Institute for Food Safety, also known as CIFS. The motive is serving quality food with respect to the health & hygiene principles.

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ENVIRONMENTAL ORGANIZATIONS IN CANADA

PROTECTING THE ENDANGERED WORLD

The environmental organizations in Canada are playing a big role in the protection of the endangered world. These are organizations that relates heavily & scientifically to the ecology & environment of Canada & their role is growing fast in terms of the magnitude of work, effectiveness of the work & targets of the Govt. that relates to environmental action. These are groups that thrive heavily on discovering the answers to environmental concerns as quickly and immediately as possible.

Now we will have a closer look to the environmental organizations active in

Canada & their vision for Canada’s sustainability targets.

1. NATURE CONSERVANCY OF CANADA:

NCC or the Nature Conservancy of Canada is an organization for the conservancy of nature as the name suggests. The moto of the organization is to conserve nature to a far wider extent than any other environmental organization with key goals that relates to Canada’s ecology. It’s a private non-profit organization that is strictly dedicated to environmental conservation & preservation.

The key works & efforts of the organizations are heavily geared at the protection of Canada’s most significant natural areas, the Great Bear Rainforest.

Another organization named, the Natural Resources Defense Council (NRDC), is another organization that works in parallel in partnership with individuals, businesses, states & various other organizations that are dedicated to protect and conserve the country’s natural wonders. Furthermore, the wildlife habitats amongst other things that are associated.

The prestigious & highly dedicated

organization is highly successful in assembling a team of professionals. These professionals working in teams comprises of conservation scientific professionals that are dedicated to find out & research ways that are diverse & approved for nature’s conservancy. Equipped with talent of research & development strategies for the sake of conserving & protecting plans in Canada’s natural areas.

2. GREENPEACE CANADA:

Greenpeace Canada is a very famous environmental organization in Canada which is solely dedicated to sustainable efforts dedicated to the environment. It is a part of Greenpeace International & is amongst the inspiring independent environmental organizations in Canada. The organization has been active in Canada for efforts related towards climate change and towards Canada’s national goals for the sustenance of environment.

It raises environmental awareness as well as awareness that relates to the endangered species in Canada. The organization uses skilled workforce regards to its agendas & it’s known famously to think wise with creative ideas as well as solutions for the sake of raising environmental awareness as well as addressing global environmental goals.

3. ECO CANADA:

ECO Canada, another Canadian organization that is related heavily to the ecological targets of Canada & its global objectives. It not only works for Canada’s environmental goals, but also is dedicated to provide environmental jobs while opening up opportunities for those who seek an environmental-related career.

The organization supports environment related career for the sake of Canada’s environmental objectives as well as since 1992 it has been active in training & certifications. Particularly, training professionals in the environmental field as well as acting as an online resource for the environmental jobs. One of the main aims of the organization ECO Canada is to drive the professionals for the sake of participating in the protection and for the conservation of the environment. Immediate attention is highly required & ECO Canada has been up to the challenge with good effect.

4. ENVIRONMENTAL DEFENSE:

Defending the environment & making it safe via regular environmental protection routines is the goal of environmental defense. As the name suggests, it is an organization that acts as a shield for the protection of Canada’s gorgeous environment & creating platforms on national level that are dedicated to general awareness for people. The organization strives to safeguard and make clean water and a safe climate as well

as healthy communities available for practically everyone. Other grey areas as well as key areas that the organization covers includes climate change, endangered species and natural resource protection as some of the few.

The organization was founded in 1984, and since then, i.e. 37 years, it has been busy in keeping up to the standards that have diverted & tilted like a pendulum. The people who live are the ones who should be more aware of their concerns is the aim of the organization. The efforts have been on a higher side in the province Ontario as the environmental group is tasked with conserving Canada’s freshwater & the protection of Ontario’s environment. Northern Ontario, a region they have been more inclined towards in terms of the overall efforts for the environment & for sake of good results in future. A massive reason why the future seems so sustainable & stands tall for the citizens of Canada.

5. ECOLOGY ACTION CENTRE (EAC):

The Ecology Action Centre (EAC) as the name suggests, the organization is for promoting the eco-friendly Canada. A country that is ecologically smart & understands the challenges faced towards the climate in general. It was formed in 1971 is a group based in Toronto, Ontario.

Its main goal apart from creating environmental awareness at national level is to spark a massive change. Hence, also to inspire Canadians and the community of Nova Scotia to live with far more sustainability while contributing to environmental conservation. Key activities of the organization includes recycling, composting, and saving energy as being the environment’s earliest campaigns and projects. It has grown in size while it keeps developing programs for the sake of protecting the environment from natural hazards.

It’s no use crying over spilt milk, however, it’s best to act and take action. Necessarily, as actions speaks volumes larger than words. Apart from this, actions counts more than anything.

HALLOWEEN 2022 & HOW IT HAS TRANSFORMED TO ITS MODERN DAY SIGNIFICANCE

Halloween is an observance that is celebrated each year on the 31st of October while the Halloween in 2022 will be occurring on the Monday of October. It will not be observed as a public holiday in Canada. This will be the last Monday of October in the year 2022. On the Halloween day the most common greetings that are given by people to each other is “Happy Halloween” or in short sometimes “Happy Hallo”. A day that is of huge significance for the kids who like to

dress in different costumes as witches, ghost, ghost hunters, Dracula, Vampires and many other fancy costumes that demonstrates how the day is celebrated by the kids. Primarily, as the day is centered around myths & related stories of people seeing vampires and ghosts on the particular day. Most commonly for the people especially in the West, it’s a day dedicated to the unseen world. That is, a world that brings spooky feelings to people, i.e. more

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specifically related to the fear of the unknown or the fear of the dead roaming around as ghosts, according to Celtic beliefs.

There are stories that revolves around the celebrations of the Halloween Day. These stories relates to people seen as ghost and images after their deaths on the Day of the Halloween. One of the most common myths associated with the Day of Halloween is related to the ghost of Abraham Lincoln seen in

the White House on the day of Halloween. This is after 100 years after his assassination which happened in the year 1865. He was the 16th US President and was born in Kentucky in 1809.

The tradition of Halloween originated with the ancient Celtic festival of Samhain when people would light bonfires and wear costumes to ward off ghosts.

THE FAMOUS HALLOWEEN PARTIES- ‘CELEBRATING THE OCCASION WITH PASSION’:

Halloween parties are the way Halloween is celebrated and the trends have been transforming to what they are in these current days. It was by the year 1920s and 1930s, Halloween had become a secular but community centered holiday. It happens with parades and town-wide Halloween parties as the most common featured entertainment.

However, by the year 1950s, the town leaders played a massive role in limiting Vandalism. Something, that began to plague the Halloween celebrations in many communities during the era of 1920s. Celebrations later transformed into a holiday mainly due to the involvement of the youth, especially kids. That is, due to the high numbers of young children during the fifties baby boom. The parties, thus moved from town hall and city centers towards the classroom and homes where they could be far more easily be accommodated.

Thus, after many transformations and changes in the Halloween celebrations it finally took commercial importance with the power of electronic media. However, a new American tradition was born and it continued to grow. In these modern times, especially the Americans spend an estimated $6.5 Billion annually on the Halloween celebrations. Thus, making it the second largest commercial holiday after Christmas.

What makes it so popular that it’s the second largest commercial holiday after Xmas? The format of the holidays and how the holidays are so important in terms of the commercial values. Billions of American Dollars are just spend on the Halloween costumes a figure that is growing every other day. It’s a figure that has also been seen on a rise in Canada as well which makes Canada stand at number two after USA in terms of the celebrations for the Halloween. The passion for the celebrations has not only grown in the media, but also in private Halloween parties.

HALLOWEEN MOVIES- ‘MAKES HALLOWEEN FAR MORE INTERESTING’:

Halloween movies over the years has made Halloween more interesting for the people. Ironically, not only as a following, but also as a following of the myth. The stories associated

with Halloween are depicted in the movies which has itself grown the importance of Halloween amongst the people. The Classic Halloween movies includes “Halloween”, a franchise that started in 1978 directed by John Carpenter. The film is centered on the main character Michael Myers who murders his 17 years old sister. Later, Michael was taken to jail, however, escapes on the night of the Halloween to look out for his old home and a new target. The latest release in the overall Halloween franchise was in the year 2021 by the name of “Halloween Kills”. The last of the Halloween films shall also be releasing in the October month, by name of “Halloween Ends”. The film is the 13th film of the Halloween Franchise and is releasing on the 14th of October 2022. According to many predictions this should be the last film of the Halloween franchise which started under the banner of John Carpenter in 1978.

The Halloween festival that shall be celebrated in Canada as an observance only on 31st October 2022, i.e. the final Monday of October is a highly followed festival. It has grown tremendously in terms of its commercial values and success in Canada. The reason behind this is the electronic media that has given Halloween its due share of significance over the years. Halloween parties in Canada in these modern times are a common trend as well as dressing up in various costumes is a key attraction. Importantly, as Halloween has grown in terms of its global celebrations and now stands second proudly after Christmas. Obviously, Christmas is more of a religious festival.

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HOW AS A BUSINESS OWNER YOU CAN IMPROVE EMPLOYEE ENGAGEMENT?

As a business owner, improving key aspects that relates to employee engagement is indeed a vital aspect. As an entrepreneur, you are not looking to hire ten, fifteen or even thirty people. Your aim is a huge figure that includes hundreds and later thousands of employees who must feel part of the company, part of the team & part of the vision. However, as an entrepreneur your vision shouldn’t be just profitability, but also to manage people in the most brilliant of ways.

Employee engagement & employee ownership are two ways that act as a bridge for an entrepreneur. It definitely gives the employees the true value of being part of the team & being part of

the ‘House’. As they say, ‘It’s on the House’, which definitely suggests that the house is part & parcel of your lunch, than ‘let it be free’. A sense of value & ownership given to the employees which makes them their very own or family.

Employee engagement gives internal peace to employees while they are at work. It surely works for most employees in terms of their levels of satisfaction that are increased substantially. While the satisfaction levels are increased the employee customer sensitivity & their commitments are improved automatically. Thus, which means they can focus more closely on values that relates to their personal

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developments & career development program.

Disengagement can actually be a huge source of causing real damage to an organization’s productivity as well as the profitability. As a results it brings a positive change.

Working for a company, as a ‘Family’ or a unit interestingly gives the employees more values & rewards for what they have been doing professionally. Hence, brings the employee closer to the amount of professionalism that is needed.

Investing In Well-Being: Engaging for Success, (E4S) is a

formula for success while catering to the valuable needs of investing in well-being. It has been surely at the forefront of UK research into employee engagement. It also suggests with useful arguments that engagement & well-being are something that are closely linked.

Engagement & well-being has a relationship that is a useful one. According to an expert who is more of a HR expert named Cartwright is of the opinion that if there is high engagement & low well-being. Naturally, not something affirmative for the employees as it can cause heavy burnout with time. At the same time Wendy says that where there is high well-being & low engagement. The employee organizational purpose gets hurt as they feel more satisfied with their work. Most employees lose focus & tend to ignore work as well as late sittings if needed. Thus, Wendy was affirmative that the best way to handle both is to find the most suitable balance between the two.

Recognize Good Work More Often:

Recognizing good work very often is something that entrepreneurs, business owners & HR Professionals needs to do more often. Regards to increasing the levels of employee engagement, this is something that helps in creating a positive vision for future goals & objectives. Recognition as part of the positive human psychology helps in increasing the motivation & motivational values for achieving long-term & short-term goals.

Defining the Organizational Purpose & Sharing It:

As an entrepreneur you must transfer your vision to increase

employee commitments & their levels of engagements. Define your organizational purpose to your people (employees) to create a bridge of trust as some trust is a huge necessity.

However, on the contrary, if the organizational purpose is not defined & shared. It can definitely create chaos & also lack of confidence in the employees. They might lack the ownership that’s needed which is called in a highly structured way as employee ownership. Something, which is useful especially during business expansions & globalization procedures, i.e. International expansions. Always remember that every business starts with a scratch & ends up being a group of companies or a brand. However, brand loyalty comes with engagement whether we are dealing with employees or most stubborn & most over-confident customers.

Inviting Feedback & Acting on It:

Part of employee engagement strategies includes how you can as an entrepreneur invite feedback & act on it. Employee Voice is surely but definitely part of the E4S. Technology & being technologically-wise is a thing that makes it easier for the employers to regularly seek & collate employee feedback.

As an entrepreneur you must also think carefully about how, when & precisely why you might want to create formal feedback channels. These feedback channels shall certainly initiate the employee engagement process or otherwise make it more enthusiastic for the employees. As far as it increases the employee engagement values it certainly makes employee think more as being part of the family.

IMPORTANCE OF OUTSOURCING IN GLOBAL CALL CENTRE INDUSTRY

Significances & importance attached to the global Call Centre Industry is not only a growing phenomenon. However, it’s also something that has many advantages in contrast with the disadvantages. One of the biggest ones being cost effectiveness & largely how effectiveness in cost has saved money for so many growing businesses. Especially, United States & United Kingdom outsourcing their Call Centre to Asian countries, i.e. China & India. Thus, has improved many things for the company owners in terms of getting higher levels of profits. It is part of the globalization process as well, the term is not so medieval or ancient. However, the effects of globalization are far more distinguished & far more prominent than they were before.

Outsourcing also maximizes the level of flexibility in operations, thus entering a new market or increasing the audience reach. We are talking about the world of redistributing

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manpower. The companies can actually acquire additional skills apart from the ones already there. Apart from this, extend business multilingual proficiency. Furthermore, it is also instrumental in making informed business decisions. Especially, when addressing user concerns and questions.

Here are some of the potential benefits of outsourcing the Call Centre Industry, while making it more global:

1. It Increases Customer Satisfaction:

Outsourcing the Call Centre Industry, while making it more global surely increases the customer satisfaction values. It gives customer satisfaction more refined and more disciplined values in terms of meeting up with their expectations. One of the key reasons is the communication gap which is reduced as outsourcing makes communication & understanding of customer issues more refined & far more standardized. To be

more precise & more focused, the choice of entrusting the call center services to the knowledgeable experts. Obviously, leaves customers with positive impressions of your company. According to surveys, because of outsourcing, the customers feel more valued. Apart from feeling more valued, an outsourcing company can reduce the response time in a matter of minutes, while it decreases call abandonment. In terms of the competitive advantage, outsourcing is highly advantageous. Obviously, who knows it might be what your company needs to enhance your customer support operations. Ironically, in order to stay ahead of the competition.

2. Improves Efficiency & Productivity Levels In Dynamic Ways:

Apart from giving your company the edge it needs in customer services. Outsourcing dynamically improves the efficiency and the levels of productivity. More importantly in dynamic & much enhanced ways than before.

A good call center outsourcing partnership definitely helps your business hire more trained professionals. Something, that obviously allows your repetitive tasks to get maximum value from the internal operations. Further, focuses on the customer service activities. Obviously, a work-setup that will surely result in higher work efficiency and the productivity both for the business and for your agents.

3. Highly Cost-Effective:

According to stats & data, businesses these days saves more than 50% through outsourcing. This is achieved via cost-effectiveness. Obviously, it reduces the costs of having an office, i.e. ownership or rental, office equipment which includes computers and other equipment needed for effective call center industry. Finally, maintenance & support staff that is needed to run a call center business. In short you just need to outsource the services and train the outsourcing companies to how they can manage your business. Apart from some of the extra things you can tell them what a business pre-requisites are. In short, it makes you far more budget-friendly and gives you room to invest in many other businesses which can be worthwhile.

Outsourcing also allows you so that you can easily leverage your operation’s stability in the midst of potential risks. Furthermore, the setbacks during the so-called ‘New Normal’.

4. 24/7 Customer Support- ‘A Huge Advantage’:

The biggest advantage that outsourcing gives is 24/7 customer support. This is indeed a huge Call Centre benefit that is highlighted by deploying to an external team is the capacity to extend the business hours. As a business owner,

outsourcing gives you a reassurance which is massive that even after the regular business hours there are professionals that are trained to answer calls regarding the business or the customer queries.

The 24/7 customer support increases massively the reliability factor. Thus, leaving your customers more satisfied & obviously happy at the end of the day.

5. Increases Your Focus On The Core Responsibilities:

The outsourcing of activities largely increases your company’s prime focus on the core responsibilities. You can bank your core operations & make them far more sustainable for larger profitability levels.

Hence, by making the most of the enhanced assistance & the workforce. As a business owner surely you will not have to worry about the support reps handling too many concerns, yet delivering lackluster service to your customers.

Outsourcing is a huge part of the globalization needs these days and is termed as the most effective ones for a business dynamic growth. It makes the handling of operations far easier, more synchronized and adds value to the vision of the company. Finally, helps in handling things in far more systematic ways & in safe hands.

MOST FAMOUS ENVIRONMENTALIST IN THE WORLD & THEIR GLOBAL ROLES FOR THE ENVIRONMENT

An environmentalist is the one who dedicates his/her life for safeguarding & protection of the environment & making it a top-level priority for the people. Precisely, for sake of creating general awareness and how the environment needs to be protected, maintained & nurtured. An environmentalist is someone who supports safeguarding the bio-sphere from exploitation by human activity through practices that are known as environmental practices. These practices also

The role of an environmentalist further includes encouraging awareness as well as action among public figures. As well as the lawmakers and the business executives. Also, finding ways to save your firm money by coming up with practices that includes going paperless. Also, other activities that can be termed as commitments towards eco-friendly practices in a corporate setting. An environmentalist effectively uses his skills, knowledge and experiences as an activist on a very

We shall soon be discussing some of the most famous environmentalist who have not only made people aware regards to the dangers of climate change & other environmental issues. But, also acted as ambassadors of change for the environment. Some of the famous names includes David Attenborough and Swedish activist Greta Thunberg whose efforts have been recognized on a global scale in the most recent COP26 conference held in Glasgow, Scotland in 2021. The following are the list of most famous professional environmentalist of recent times.

David Attenborough:

David is an inspiration for millions of people worldwide regards to his love for the environment & for nature. In these recent times, David Attenborough is arguably the most well-known environmentalist. The famous personality regards to the environment has spent decades documenting the unadulterated beauty of nature in various different roles. He has obviously worked as a writer, a naturalist and as a broadcaster as well. Truly, his love for the environment has inspired many in terms of learning outcomes as well as an inspiration.

Greta Thunberg:

Greta Thunberg is a Swedish activist & environmentalist who started working for the environment at a very small age, i.e. just 15 years old. She is responsible for starting a movement in which approx. 125 countries have taken part & engaged millions of students in school strikes. It was in 2018 at the age of 15, when she demanded more aggressive climate change mitigation measures in front of the Swedish Parliament. It ended up in the rising of a global movement. Greta Thunberg today is one of the most prominent opponents of climate change.

Her recent success was in Glasgow Climate Change Conference held in 2021 in Glasgow, Scotland. Also, known as COP26 UN Climate Change Conference.

Isabella Tree:

Isabella Tree is yet another famous environmentalist who rewilded 3,500 acres of land in West Sussex county in South-East England, United Kingdom. She never intended to become a well-known environmentalist but became one due to her efforts in the area. As her efforts of rewilding a land of 3,500 acres clearly shows how quickly the land can be restored through rewilding efforts. The project has obviously gained national attention for conservation in the United Kingdom.

Reinhold Messner:

Mr Messner is someone who has dedicated his life for the environment. Holds many world records and used his platform to aid in the region of mountain ecosystem preservation. He is an Italian national and one of the greatest mountaineers of all time. He made the first solo ascent of Mount Everest, and the first ascent of Mount Everest without the use of Oxygen. The latter being a huge achievement.

Reinhold Messner has founded six Messner Mountain Museums for the sake of preserving the culture and history of high-altitude regions. Furthermore, from the period of 1999 to 2004 he also held the position of the Member of Parliament also known as MEP for the Italian Green Party. The agenda of the Green party in Italy is obviously to promote Green practices in Italy & all across the globe.

Jane Goodall:

The environmentalist who rose to fame for her multi-decade study on the social interactions of the wild. This study precisely involved the wild Chimpanzees and their changing behaviors. Jane is current times well-known environmentalist and the 55 year old Jane’s study of the social interactions of Wild Chimpanzees makes the British ethologist the world’s top & supreme authority on Chimpanzees.

She initiated her research from Africa, precisely Tanzania from Tanzania’s Gombe Stream National Park. Over the years since her research, Jane has dispelled many myths regarding the Chimpanzees.

Jane discovered for instance that Chimpanzees can create and utilize tools and at the same time concluded that their social behaviors are very sophisticated. Apart from being sophisticated the social behaviors of the Chimpanzees are intricate. Thus, Jane Goodall, born in Hampstead, London has been a huge contributor for the overall environmental efforts in Great Britain.

NATURAL TIPS OF MAKING YOUR TEETH LOOK WHITE & SHINING

It’s very surprising to know how big a role your dentist plays to make you look younger & more confident. It’s your perfect smile & the shining teeth that are a source of your confidence. A smile doesn’t cost a penny, in fact it increases your face value. It makes you look charming, and gives you the looks that you have always desired.

If you are into modelling, your face value is something that your shining smile makes your biodata or your picture portfolio far more worthwhile. At the same time, interestingly, if you are having an interview, it shall make you look confident & look energetic for the role you are applying for.

HELPS YOU IN YOUR GOALS DURING AN INTERVIEW:

While you are having an interview, a smile is something that makes it worthwhile, i.e. to ease the ups and downs. It might also relax you, if you are missing something, or undergoing nervousness in your mind. All in all, it relaxes your bones. Helps in creating a rapport with your interviewer that shall bring you closer to your objective or your aim for the particular interview.

Here are some of the tips that are termed as natural tips for making your teeth white for a shining & confident smile. Improves your face

value more naturally than ever you can.

BRUSHING YOUR TEETH WITH BAKING SODA:

Baking soda is used naturally to make your teeth white, shinning & avoid the costly procedures that includes teeth whitening. The baking soda can gently polish away the stains on the surface of the teeth. According to some people, who think that baking soda is too harsh and they also wrongly think that it may grind away enamel. However, a deep research conducted in the year 2017 found it to be a safe way to remove stains.

USING FRUITS TO WHITEN YOUR TEETH:

What more natural ways can be better than using fruits to whiten your gums? Papain & Bromelain that are known as enzymes that occur in pineapples and Papayas respectively. These are the two fruits that helps with a far more clinical potential to whiten your teeth.

According to a medical research that took place in 2020 found effectively that the tooth bleaching gels that contains bromelain or papain do have substantial clinical potential for the sake of whitening your teeth.

CHEWING HIGH FIBER FOODS:

Whitening your teeth the natural way also includes the use of chewing high fiber foods. Chewing certain high fiber vegetables and legumes can help in neutralizing the acid in the mouth. Furthermore, protect the enamel on the teeth.

Apart from this, the Beans or leafy greens that includes foods like Spinach. Thus, triggers the mouth for the sake of producing more saliva. Hence, Saliva is something that is produced naturally & helps clean the mouth from the acid.

TRYING OIL PULLING- ‘USING OIL AS A NATURAL TIP FOR WHITE TEETH’:

Oil is the natural resource that is commonly used as a natural tip for many cures apart from ‘Teeth Whitening’. The term that is used is ‘oil pulling’ for the sake of washing the mouth with oil to remove the dirt, bacteria & the debris. It cannot be called the substitute for the regular brushing or flossing. However, some research still suggests positive results regards to ‘oil pulling’. Research claims that washing the mouth with certain oils may certainly help to whiten the teeth.

According to ADA, i.e. American Dental Association that considers oil pulling to be unconventional dentistry. By unconventional dentistry, we mean methods that are not in the books for dentists to follow, but can be termed as natural ways of treatments. According to the American body for dentistry, known as ADA, they claim that there are no solid evidences, which means obviously scientific evidences that oil pulling reduces the cavities found in the mouth. Also, that it whitens teeth, or improves oral health & well-being. But naturally, that’s the reason why it is known as ‘unconventional dentistry’.

However, the best ways to try this method with oil is for at least 20-25 mins, i.e. after brushing & later it needs to be spit out. According to experts in natural treatments with oils, the best oils used for the sake of ‘oil pulling’ are coconut oil, sunflower oil & sesame oil. Save some money & try the natural ways of teeth whitening through oil pulling.

As they say, brush your teeth twice a day every day, especially before going to bed. Teeth are a huge part & parcel of a personality & can even become a part of the personality trait. Apart from the regular maintenance of the teeth, one can even try the natural ways of making your teeth shine. Also, something that will make you look younger & more confident.

THANKSGIVING DAY & ITS IMPORTANCE IN CANADA A HOLIDAY FALLING ON THE ‘10th OCTOBER 2022

Thanksgiving Day, as it is clearly evident from its name is a holiday falling on the second Monday every October. This year it is falling on the 10th of October & it’s a day dedicated for showing thanks to the Almighty for all the blessings that have been showered by him on Canada. Truly, it’s a country that is blessed to be one of the most sustainable, and one of the most developed countries of the world. A country full of natural beauty, i.e. true elements of beauty that are evident in all its 10 provinces and 3 territories. Canada, the second largest country on the planet earth, i.e. area-wise, and largest country by area in North America is a land of dreams for many. Especially true for those who are coming to Canada every year, i.e. annually? A land of mix cultures and

people from many countries living a dream in Canada.

Obviously, it’s a huge prestige to dedicate a day for thanksgiving and to give thanks to the Almighty for all the provisions, the bounties and the luxuries that are so much visible in Canada all over the vast nation. It’s a prosperous nation whose people owes plenty to the great North American pride Canada.

THEME OF CELEBRATING THE THANKSGIVING DAY IN OCTOBER 2022’:

The theme of the day that is celebrated on the second of Monday every October is purely for the sake of celebrating the harvest and the blessings of the previous year. It is

known as Canadian Thanksgiving to make it different from the American Thanksgiving day. If we make a query as to what’s official, the official Thanksgiving Day in Canada started on 6th of Nov in the year 1879. This is 142 years from today, & Canada shall be celebrating 143rd anniversary of the Canadian Thanksgiving day. A day that was made unique for Canada due to the vastness & power of Canada that increased as a country. It was Governor General of Canada, Vincent Massey who issued a declaration stating “A Day of general Thanksgiving to Almighty God for the bountiful harvest with which the great country Canada has been blessed to be observed on the second Monday in October.

CANADIAN THANKSGIVING & ITS HISTORY- ‘10th OCTOBER’:

The history goes back to the times of Martin Frobisher, a traveler from England of 1579 a period that is recognized as the period when the celebrations of the Thanksgiving Day occurred in the continent North America. This is the time when Martin was in search of the Northern passage. The third voyage of Mr. Martin to the Frobisher Bay of Baffin Island that was later named after him, in the present territory of Nunavut. The idea and aim behind the voyage of Martin was for the intention of starting a small settlement. The prestigious and most inspiring history of Canadian Thanksgiving Day goes just after the American Revolution. The time after the American Revolution is a historic time when many Americans fled away from United States to Canada.

Thus, it all started from there in form of an inspirational celebrations. In simple words, the Americans were the ones who brought all the customs and practices of American Thanksgiving day to Canada. These includes, Pumpkin, Mashed potatoes and Turkey.

This is after the Civil war, the first Thanksgiving Day was made an observation as a civil holiday on 5th April 1872 for the sake of celebrating the recovery of Prince Wales. He was recovering from a serious illness. It was observed for many years, before the day was declared as a national holiday in the year 1879. The thanksgiving was celebrated in either late October or early November. However, since the year 1879, it is celebrated as a holiday every year and this year marks its 143rd anniversary.

important event to be thankful for. However, in the early years, it is mostly for the abundant harvest and special anniversary.

THE THANKSGIVING HOLIDAY IN CANADA:

The best part of the Thanksgiving Day in Canada is that it’s not only a public holiday, but it’s the meal that makes it unique. Known all over Canada as the Thanksgiving meal which is a traditional meal not only in Canada, but all around the world. The traditional foods of thanksgiving are roast, Turkey, Roast beef, ham, mashed potatoes, cranberry sauce, pumpkin pie and apple pie. However, what’s stand out as a special dinner or dish is the Turkey Dinner that is mandatory thing during this public holiday.

The day is not only famous for its holiday and the Thanksgiving Dinner, however, it also holds elements of celebrations in form of community celebrations. There are events that are held all around the communities in Canada during the week or the holiday. Also, includes different festivals, fairs and harvest festivals as the season arrives in the harvest season. The Thanksgiving Day is taken very seriously by the Canadian people as the preparation for the celebrations begins early October. This is according to the various traditions since it is regularly celebrated.

Canada’s Thanksgiving Day, which falls every second Monday of October is indeed a day for the people to celebrate Canada. A country that deserves to be celebrated by the so many nationals living in Canada and also those who are striving hard to become Canadian nationals. Vitally, as the country gives huge prestige for being thankful of ‘Being Canadian’.

THE CUSTOMER RETENTION STRATEGIES THAT WORKS FOR SMALL BUSINESSES

The Customer retention strategies that are highly important for small businesses are really a necessary element for the sake of retention of useful customers. This is mainly looking at the size of the businesses that varies depending on the operations, the amount of focus needed & the number of employees, i.e. the people working in the company. Most of the businesses, the entrepreneurs and the freelancers are often asked a major question. Is there anything more important than getting a new customer, i.e. a fresh customer? A simple & very straight forward answer to this question is that retaining existing customers is even more important. This is an aspect where the customer retention strategies comes into

What exactly are customer retention strategies? A question that new business owners should ask themselves & keep asking on a regular basis for the sake of business security concerns. Simply, put a customer retention strategy or a retention program, obviously is a specific initiative or precisely a set of initiatives designed for the sake of increasing the customer values.

Retention strategies not only gives value to the customer, they make the business far more profitability in terms of the ROI or Return on Investment. The retention strategies are designed in such a way that they cultivates elements of customer loyalty, positive sentiment for the business & finally elements of customer satisfaction. The motive behind the retention strategies is a high-level focus on elements of customer satisfaction. A new business needs most is customer satisfaction as they need to build their clientele or customers for sake of a highly sustainable business development. These are some of the key things or aspects that needs to be considered for sake of customer retention strategies;

1. Measuring The ROI Or Return On Investment:

The customer retention strategies really helps in true measurements of the ROI or the Return on Investment. It’s not something you can evaluate while chatting with a customer on the phone, or trying to calculate the return on your investments through a specific formula. However, the ROI, or Return on Investment is a calculation that are dependent on dynamic retention strategies. These are strategies that increases the value of the dynamic return on Investments. Apart from this, making calculations of the Payback period, i.e. the period in years and months that is required for a startup business to recover its initial investments.

2. Using Customer Complaints As Opportunities:

A vital part of the dynamic customer retention strategies is making good use of the customer complaints. Thus, using them as opportunities for growth, improvements, Business

constructive. Apart from being constructive, they need to be used as a ‘window of opportunity.’

3. Educate Your Customers For The Sake Of Retention Strategies:

Educating your customers or making them aware of certain key aspects is indeed a brilliant & knowledgeable part of retention strategies & programs. As they say, ‘Knowledge Is King’, it definitely can be something that the customers can use for sake of retention in a world which is highly competitive in terms of the services & deliverables.

If the customer has improved & proper knowledge of the products & the services. Obviously, they would prefer to stick to the business that’s serving them more intelligently. The customer must come back for proper retention which is a high level need.

4. Being Apologetic In Behavior & Attitude When You Are Found Guilty:

Being very apologetic in attitude & in behavior is a huge necessity of a business if found guilty. Showing the guilt factor shall definitely bring the customers back, thus being a massive part of the customer retention programs & strategies.

As a business owner, one has to be apologetic in both behavior & attitude. The latter one being more important in terms of being apologetic & showing concern if the business

5. Using The Referral Programs:

Making good use & effective usage of the referral programs is a massive advantage & apart from this part of the customer retention strategies. Referral programs differs from business to business while for the new ones it’s hard to introduce them. However, if they does, it definitely pays back for the sake of improving retention strategies. Some of the popular referral program concept includes the money back guarantee, discounts on certain deals, points & rewards, a buy one get one free referral program & finally prizes or surprise gifts. All of them are highly advantageous referral programs & helps new businesses in dynamic customer retention strategies. Obviously, a high level need for the businesses as well as for a fast business growth.

TOP TOURISM DESTINATIONS IN THE PROVINCE OF SASKATCHEWAN A HEAVENS FOR OUTDOOR LOVERS’

Saskatchewan is the 7th largest province in Canada & the capital city is Regina while the largest city is Saskatoon. It is a province that suits people who just love the outdoors while Saskatoon is developing into a city that attracts many people for the sake of study on an annual basis. It’s also one of the far more affordable cities as compared to those that are expensive that includes Toronto & Vancouver. In terms of the population census it ranks 6th which are an interesting statistics importantly as Saskatchewan is more desirable by people coming as immigrants.

The province holds some of the most gorgeous national parks in Canada, landmarks in first Nations history, and the great outdoor adventures make up the top attractions in Saskatchewan. Some of the famous outdoor spots in Saskatchewan Province are Cypress Hill Interprovincial Park, The Churchill River, The Prince Albert National Park, Little Manitou Lake, Grasslands National Park, Milton Lake Lodge, Sundogs Excursions, and Remai Modern Art Gallery of Saskatchewan.

The following are some of the Top most tourism destinations in the province Saskatchewan;

Cypress Hill Interprovincial Park:

The Cypress Hill Interprovincial Park is surely a must-visit attraction for those visitors who just adore the outdoors & love to experience adventure. The visitors coming to Saskatchewan’s Cypress Hill are mostly from the continent North America. Mainly, people coming from other provinces of Canada loves to experience their own country’s gorgeous Interprovincial Park. The Interprovincial Park is located in the southwest corner of the Province Saskatchewan and is named after the Cypress Hill that rises 580 meters above the surrounding terrain. The

many things that are there to be enjoyed includes the Cliffs, the lookout points and forest trails that needs to be explored and enjoyed by travelers.

People visiting the Interprovincial Park just loves the outdoor experience as they love to Go camping, fishing, hiking, zipling, canoeing, skiing, and even golfing. People love visiting the local restaurant or the Cypress Hill winery while enjoying the surroundings. However, it’s hard to explain in a paragraph or two the experience of visiting the gorgeous Interprovincial Park. The best way to experience is by visiting on your own as it’s the experience that needs to be taken once in a lifetime.

The Churchill River:

The Churchill River has been since many years used by the local First Nations as a travel and trade route. In today’s time, The Churchill is where the adventurers coming to Saskatchewan can ride the white waters and make splendid memories of life time. The gorgeous river connects several major lakes and some of the most beautiful natural landmarks. These includes Nistowiak Falls, i.e. the tallest waterfall in Saskatchewan.

People coming to the province Saskatchewan can’t obviously miss visiting the Churchill River which is one of the major attractions for the people coming to visit the province as a visitor. Also a great place for people to try and spot moose on the shores and bald eagles overhead.

Remai Modern Art Gallery of Saskatchewan:

For the lovers of Art, an art Gallery is a huge symbol of

Gallery of Saskatchewan will be architecturally striking, having won an award from the Canadian Architect Magazine before the construction even started.

The art Gallery that is not so old has collections from the great Spanish artist called Picasso. It features the world’s most comprehensive collection of Picasso linocuts as well as 23 of his ceramic works. The art gallery can be a huge reason for you to visit the province which is worth visiting to some other key tourism spots including the Remai Modern Art Gallery.

Wanuskewin Heritage Park:

The Wanuskewin Heritage Park has a history that is more medieval than any other provincial parks of the Province Saskatchewan. This is for over approximately 6,000 years that the heritage park was a meeting place for the Inuits or The First Nations, i.e. the Indigenous Peoples of the Northern Plains.

The history dates back many years, i.e. long before the Great Wall of China, the pyramids of Egypt and long before the Pantheon. The time is approximately 6,000 years from today, when the people from the First Nations gathered to hunt buffalo, worship and celebrate. People coming as visitors enjoy staying overnight in a tipi and listen to traditional stories around a campfire as they enjoy tea and fresh bannock.

Little Manitou Lake:

You are in Saskatchewan Province & forget to spend your day on a lake. Yes, you are thinking right, its Manitou Lake that surely you can’t miss. How do you like sound of a combined

TRUCKING – THE BOOMING INDUSTRY THAT CANADA CAN NEVER DO WITHOUT

Trucking is the Industry in Canada that is booming everyday & an industry that Canada can never do without. Maybe, in some provinces it doesn’t seem like it. However, the trucking industry is one of the most important to Canada’s economy, especially in terms of strengthening it. This has been seen evident & that also very clearly during the pandemic COVID-19. The epidemic during which the trucking sector facilitated the transportation of medical

supplies. As well as other items that were crucial towards fighting the virus.

It’s a fact that 85-90% of all the consumer products are delivered using the trucks during the normal times as well. It’s not only a source of employment for people all around the huge country Canada. According to a survey on the internet, the trucking sector alone in Canada is responsible for feeding approximately 300K –

350K people in Canada. Hence, other industries that are connected industries are also facilitated for the smooth running via the trucking sector.

ARE WE UNDER AN IMPRESSION THAT THE TRUCKING SECTOR IS SOMETHING CANADA CAN’T LIVE WITHOUT?

Well, as a matter of fact, it’s true that the question must have been a bit different. It should have been, “How

long can the Canadian Economy Survive without the Trucking Sector?” Well, the answer is very simple, to be frank not much. The Canadian retail sector, medical supplies, cross-border imports & exports and many other supply chains are deeply connected with the trucking sector. Apart from this, there are many other industries that are connected with the trucking sector which ends up being a huge dependency for Canada.

Fuel, the major inputs for a majority of the businesses, is transported via the trucks once in the consumer-ready state.

The most important thing is the daily waste management. The trucking sector plays an integral part in waste management & making look Canada clean and green. Thus, this is true via Canada’s huge trucks carrying garbage. Apart from this, it’s the food sector that enjoys the role of the trucking sector. Thus, it’s the trucking industry that is the crucial connection between the different industries. These are vital industries that deeply affects the daily lives of the Canadians as well as the nation’s economy.

Therefore, the answer is very straightforward, that Canada can’t live without the trucking sector as it contributes heavily, i.e. almost $50 billion into the country’s revenue.

The sector can’t afford any strikes that are formal strikes if the demands of the truck drivers or the trucking companies are not met. Therefore, most of the times, the demands are being taken care of so that the overall trucking sector & the economy’s output level doesn’t necessarily gets hurt.

BENEFITS ASSOCIATED WITH THE TRUCKING SECTOR IN CANADA:

Apart from the many other benefits, the trucking sector is a huge plus for the Canada’s environment. The electric car companies are contributing heavily to the same, which includes American brands like Tesla.

Apart from the contributions that they are giving to the environmental reforms in Canada. The trucks saves a lot of time. Hence, they are more efficient when it comes to transporting larger and/or multiple consignments. Trucks are equipped heavily with the safety requirements that are mandatory while being on the Canadian roads. The fast moving highways and motorways in Canada requires vehicles that are highly fitted for Canadian road safety standards.

Thirdly, & most importantly the heavy contributions that it has given in the past to the competitive job markets. The ratio of talented & qualified people coming to the Canadian trucking sector for jobs has increased from past years. This includes truck drivers, engineers, maintenance engineers & the people in the trucking sector that are in the Call Centre industry.

THE TRUCKING INDUSTRY IN CANADA WANTS TO SERVE

EVEN BETTER:

The trucking sector is technically advanced, highly safe and according to Canada & US universal trucking laws. Most of the trucking companies in Canada are equipped with the following key features;

• The Truck Load or TL services in Canada. Important to note that most companies provide Full TL services. These are as well between carrying goods from Canada to US & vice versa.

• Also provides the supply chain & logistics services that includes cross-docking, consolidation/deconsolidation, and finally warehousing.

All these above services including warehousing services helps in booming the Canadian trucking industry.

There are companies in the trucking industry that strives to soar over the competition. These companies are trying innovative ways and efficient solutions for the benefit of the customers. The trucking sector in Canada is committed towards competitive services & customer services that guarantees customer satisfaction. This ranges from online buying to tracking of the delivery by the suppliers or retailers. Reliability factor is one of the biggest contributions of the trucking sector to the Canadian economy.

CROSSWORD PUZZLE

Career Overview

WE ARE HIRING! RESORT MANAGER

As a resort manager, your job will include managing all aspects of a resort, including lodging, food and beverage management, human resources, housekeeping, attractions, and guest services. You'll be in charge of employees, finances, customer service, promotions, and quality control. Resort managers often have to work nights and weekends, putting in long hours to ensure the success of their establishment.

Job Description

Includes duties in three major areas: Daily Operations, Finances, and Marketing Customer Servicev Human Resources

Daily Operations, Financial, and Marketing Duties

Resort managers oversee product stocking, accounting, and marketing efforts at the resort. As a resort manager, you'll hire contractors to perform services, such as painting or plumbing. You'll ensure that all supplies, from housekeeping materials to furniture, are in good condition and in stock. You'll monitor payroll, customer billing, and expense accounts.

Customer Service

Resort managers ensure positive customer experiences by maintaining high-quality facilities and remedying problems. At the resort, you'll conduct room, kitchen, and grounds inspections to make sure that they are all up to code. You'll greet guests at arrival, create standards surveys, and find acceptable solutions to problems that may arise.

Human Resources Responsibilities

As a resort manager, you'll be in charge of hiring, training, and scheduling new staff members. You'll set goals for employees and help your staff achieve these goals. You might also have assistant managers who you'll work with to manage departments, such as housekeeping, dining, security, and desk personnel.

Contact:

JOB REQUIREMENTS

WE ARE HIRING! HEAD CHEF

SKILLS:

Cook

Foods;

WATER STRESS – A GLOBAL CRISIS & AN ENVIRONMENTAL ISSUE THAT’S GROWING

Water crisis also known as ‘Water Stress’ is a global crisis & is a growing global issue. Especially, in these current times of water crisis.

One of the reasons for the growing water crisis or water stress is climate change. It’s definitely, climate change that is a growing concern and will likely exacerbate the water stress worldwide. The rising temperatures surely lead to more unpredictable weather as well as extreme weather events. These weather events includes floods & droughts.

Water scarcity, or lacking water happens when communities can’t fulfill their specific water needs. Obviously, the reason is that supplies are in-sufficient or otherwise the infrastructure is inadequate. In these modern times, i.e. the era of growing climate change, there are billions of people who face some form of water crisis that is growing. The countries have contributed towards the crisis in many ways apart from the signing of agreements. However, there are a handful of places where the transboundary waters are driving tensions, for example, the Nile Basin.

The process or a situation known as ‘Water Stress’ obviously occurs when the demand of safe and usable water in a specific area exceeds the supply. This situation that is a crisis situation is water stress, and is very common, especially in the developing world. How can we meet the crisis? A question that environmentalist are looking for answers after R&D activities. If we divide the overall freshwater according to its consumption. Hence, a huge 73% of the world freshwater is used for the purpose of agriculture. Whilst, the rest of the proportion is divided into 18 percent

Regions In The World Which Are Most Water Stressed:

While it’s true that Water Stress is a global challenge, this is also a fact that there are certain key regions which are affected due to the effects of water crisis. Known as MENA, i.e. Middle East and North Africa mentioned together in form of an acronym. MENA is the worst off, especially in terms of the physical water stress. This is as according to most experts. The countries that comes in MENA, obviously, have lesser rain falls as compared to other regions where rainfall is comparatively more. The countries coming in MENA tend to have fast-growing densely populated urban centers that requires more water.

However, there are many countries in MENA, i.e. Middle East & North Africa region that can’t be categorized in the category of poor. For example the Middle East country, UAE or United Arab Emirates. Hence, these are the wealthier ones that still meets their water needs. Hence, the UAE and other wealthy MENA countries, for example Kuwait & Qatar in the Middle East also really heavily on the desalination of the abundant ocean water.

However, at the same time in countries from MENA, specifically North Africa the country that receives heavy rainfall is the Republic of Congo. A country that is not a rich country suffers from mismanagement also due to lack of infrastructure.

Water Crisis Impacts on Public Health & Development:

The ongoing water crisis which is a global issue has outlaid many impacts on public health & development. The basic

estimate is somewhere around 2 Billion people worldwide, who lack access of pure water. Surprisingly, nearly more than a half of the world population are without adequate sanitation services. Thus, these are a cause of diseases that includes cholera, typhoid, polio, hepatitis A & diarrhea.

Every year many people die, & the reason for their deaths are diseases that happen because of taking impure water. Other issues that are termed as environmental issues are global environmental concerns. Hence, because of scarcity of water, there are agricultural problems as water scarcity makes agriculture far more difficult. Hence, also threatens a community’s access to food.

The water-stressed communities in the world are due to the same deprived of many other things due to time spent in long queues for stable access to potable water. These deprivations includes being deprived of basic education, i.e. spending their most precious moments in school while studying. The economists are not affirmative due to this, as they think that all these things combined together has taken a heavy toll on productivity & development.

Water, a resource that comprises of almost 71% of the Earth surface, is a precious source for the inhabitants of the planet. Obviously, it must be consumed with larger care, i.e. limiting the wastage of water, using water intelligently while taking a bath or washing hands & face. Other precautions also includes being more cautious & conscious of water leakages.

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SYED MANSOOR ALI NAQVI AUTOBIOGRAPHY

“A Successful Canadian Entrepreneur”

The Autobiography of Mr. Syed Mansoor Naqvi. The man who made it possible with just a vision and a dream in his eyes.

"As a mentor a person gets paramount importance from their followers, but success comes from true following & demonstration of work."

horoscopes

october 2022 libra

September 23 - October 22

A Year of Confidence And Management

Libra Career Horoscope 2022 Predictions

Some of you may want to change the way and place of their work, while others just want to bask in intensely in the working style they recently have confronted. Yearly Libra career horoscope 2022 prophecies that there might be some ups and downs in your career world if you have recently jumped into a new business or job. However, if you are a student planning to pursue higher studies, time would be yours in the second half of the year. Self-employed buddies and job seekers can expect favorability in the middle months of the year. As for those planning a job change, the yearly horoscope 2022 for Libra sign says, improvise yourself a bit and then try for the appropriate opportunities or your dream job.

Furthermore, the annual Libra business horoscope 2022 says that the year will be an ideal time to get into new businesses and ventures. Starting something new will help you seek new opportunities and meet new folks that shall invest in your business later in the year. There are a few specific months you can consider for proposing your plans like the time from March to May would be great for handi-

crafts or business related to art and crafts. The time from August to November will be ideal for ventures pertaining to garments, etc. The Libra yearly horoscope 2022 also predicts that your income can expect a slow pace, but later in the year, the gains will be good. Plus, your business would also flourish.

Your time is great for job seekers and changers, but patience is vital in the mid-months of the year. Libra job horoscope 2022 predicts that there will be many opportunities this year waiting in your way. As per your qualifications and skills, you just need to look out for it. Don’t worry if you have not got the job of your choice until now or are being rejected the whole time last year, the year 2022 for Libra zodiac sign will let them have their “Dream Job.”

For education, the yearly Libra academic horoscope 2022 says that you will flourish in the results of the exams you’ve given. The streams of your choice will be in your bag as well. Those into creatives will have good mates and mentors for the guidance and company. For the ones trying for foreign studies, a little would do the trick. The career horoscope 2022 for Libra zodiac sign also says by the end months of the year, i.e., October to December, you will get the chance and have an educational career abroad.

Libra Love Horoscope 2022 Predictions

We wouldn't suggest you give your love life a shot in the New Year 2022. Initial months strongly suggest a series of conflicting communications with your partner. And, because of it, you would feel depressed and a little out emotionally. Libra love horoscope 2022 furthermore says that singles can expect some good dating options in the other half of the year, but patience is a must to make it work! If you feel low on love and disheartened and have gone through a breakup crisis, the Libra annual horoscope 2022 softly suggests you keep patience. Universe has great plans for you, you just need to believe in what is happening, and this too will pass, and you shall meet the one who is for you super soon and specifically in the final quarter of the year.

Don’t complain if you feel like your partner is not holding on to their end of the bargain. You should rather focus on the things you have to bring into the relationship to sustain it. Be patient with your partner and try to understand their problems. Most of your problems can be solved via dialogue itself. The Libra love horoscope 2022 predicts that it will be advantageous for you to be the decision-maker between the two after April. You should also learn to be more flexible. Because your stubbornness could very well be the death of your relationship. Don’t hesitate to apologize when you are in the wrong. With the transit of Saturn in your zodiac, during the last phase of April, you can take control of the relationship.

Moreover, according to the Libra love horoscope 2022, Librans could meet someone quite special this year. But you will actually have to get out of your shell and search for the person. It will definitely be worth it. The relation between you and that someone will start with friendship and will take its own sweet time to transform into something more. During this phase, your connection will become stronger. And it is, of course, common knowledge that friendship is the foundation of any good relationship. So, don’t rush into anything. Take your time and let the chips fall into their place.

At the beginning of the year, your zodiac’s planet will be in its first house, which shall cause some unrest in your relationship. But you will be able to overcome the obstacles in your way with little trouble if you make up your mind to better yourself and actually make your relationship work. Good times await you from the middle of May, thanks to the conjunction of Venus with Rahu in the seventh house. The sparks and spice will return in your relationship, and you can once again truly enjoy being with each other. May, June, and July are ideal months for you to propose to your boyfriend or girlfriend.

Libra Health Horoscope 2022 Predictions

You might hold an okay-okay life in terms of health this year, according to the Libra health horoscope 2022. Your anxieties might bring you some unfavorability in your healthy lifestyle. But, it is solely in your hand how you wish to deal with it. You can either grow it in your head or meditate on it and believe in yourself. Relax and keep a little check on your diet plan because everything affects your eating habits. If you will maintain a proper diet and refrain from the stress of work, love, and other aspects of life, the year will go good in all ways for you, as per the health horoscope 2022 for Libra zodiac sign.

Along with it, the advice the planetary motions are showing in the Libra yearly horoscope 2022 is to avoid bad eating habits. Look when you consume your meals and how many times as well. Half of your issues shall be solved with the same. Take your medications from time to time and visit for your sessions without a miss. The Libra horoscope 2022 for ill natives furthermore says that the sick people might mentally feel down. They may feel like they are getting nowhere near better with the treatment they are taking. Thus, do remember to have a second opinion for yourself and don’t miss a chance in any manner.

If you are a food and diet lover, then the big thing that cards are showing for you in the New Year 2022 is experimenting with your diet in a way that you can enjoy both of your favorites. Prepare your meals in a manner that both turn out to be delicious and healthy. There isn’t anything serious for you in the way as per the Libra horoscope 2022 for diet planners. However, take care of yourself in the middle months of the year. They may turn out hard for you, and with your irresponsible eating habits, you might put on some weight. A healthy physique shall be your friend in the year 2022. But, that would be the case only if you remember to maintain an active lifestyle. There may occur some minor ailments like cough, cold, or stress issues. But, they might all be temporary, and as the year would end, all this would pass too, predicts the yearly Libra horoscope 2022 for healthy folks. In fact, some of you can cheat a little and enjoy some good meals or buffets in the third quarter of the year without worries. However, remember to choose the items or dishes to eat that suit your body.

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