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ISSUE 55 | APRIL / MAY 2020

Happy

DAY

18 MAY 2020 th

OFFICIAL LAUNCHING OF Autobiography

Syed Mansoor Ali Naqvi APRIL 2020

THIS MONTH FOCUSING ON 8 Jobs Companies Shall Be Looking Forward In 2020

Canada’s Obesity: A Chronic Disease Instead of a Lifestyle Issue

Victoria Day – Canada & the life of Queen Victoria

Forests Sustenance & Collective Action with - WEF


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27

CROSSWORD PUZZLE

28

Horoscope

06

Success is Life Calculator

30

Australia

08

AutoBioGraphy Publishing

34

The Canadian Housing Market Trends

09

Teamwork & Success Syed Mahmood Naqvi

36

The Green Party Wave could spread..

10

Motivation Secrets to Inspire your Employees

44

Restaurant POS

13

Apple TV+

48

Success Ideology:

14

Profile : MICHAEL MCCAIN

16

E-Scooter

CONTENTS Syed Mansoor Ali Naqvi.

Syed Mansoor Ali Naqvi.

Syed Alamdar Hussain Stuart Himmel

Aquarius and Pisces

A History of Fire & how it can help in Future

2020 Forecasts

An Overview of Party Agendas

Its Applications & its Benefits to Clients

5 Habits most People always Practice

Maple Leaf Foods Ceo

52

Stuart Himmel

22

LIFE INSURANCE:

6 Reasons of Policy Denial by Companies

5 Accounting Challenges Startups Face and how to Fixed

56

Top 9 ‘SEM’ Tips For Small Business Owners


EDITOR'S LETTER Dear readers, Welcome to our April and May 2020 Issue. We have covered articles on business, finance, entrepreneurship, climate change, up and coming developments in the Canadian economy as well as articles on our regular topics such as politics, law, real estate and technology. As always, we hope this issue will be an informative and entertaining experience for our readers and that it will live up to your expectations. Our team continues to work tirelessly to improve and refine our business magazine. Your feedback is highly valuable to us. If you have suggestions or comments feel free to call us at 1-866-667-1377 or email us at info@mbeforyou.com to tell us what you think about this issue. For ad placements and marketing related queries, please email us at mbe-marketing@mbeforyou.com

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

Thank you, Aurora Zabala, Editor In Chief.

Website: www.mbeforyou.com Feed-back: 1-866-667-1377 E-mail: info@mbeforyou.com Mail: 100 Dynamic Drive, Unit 104, Scarborough, ON, M1V 5C4. Fax: 1-866-204-6888 MBE Business Magazine is a monthly issue business magazine published by MBE. Inc. Ontario, Canada. Printed by Vision Printers Contents Š Copyrights 2017 by MBE, may not be reprinted without written permission. Subscribe / Unsubscribe or Advertise by emailing us at mbe-marketing@mbeforyou.com


Success is life’s Calculator Syed mANSOOR Naqvi

PRESIDENT MBE Why is success like a calculator?

9. Honesty

Have you ever thought about it? In a

wrong step in your journey, you will not be able to reach your desired

calculator you input numbers and

IDEOLOGY:

effort and it gives you a correct and

Whenever you start working on a task

accurate result. The path to success

or project you have to focus on your

FOCUS:

is similar to this because if you put

idea and a thought about where you

When you are focusing on something

the correct inputs you will get the

stand and why you want to go in a

regarding your life you have to draw a

desired result. To explain this further,

certain path towards execution of the

map and follow the direction. Focus-

lets discuss the nine inputs I feel are

idea. The only way to successfully

ing towards success is similar to

necessary to achieve the results you

complete your task or project is with

when one feels hungry. They do

want in your life.

the help of a set ideology.

whatever they can until they get food

1. Ideology

JOURNEY:

eaten. In the same way you must

2. Journey

Do not forget about the calculator, a

remain focused until your work is

3. Focus

journey is exactly like that. Every

done only then, can you relax.

4. Cross Check

single step that you are traveling

5. Value

toward your dream you have to put

CROSS CHECK:

6. Determination

your thoughts together. No matter

Success doesn’t have to be limited to

7. Classification

how capable the calculator is, if you

set long term goals or short term

8. Achievements

press the wrong button or take the

goals. On the path to success one

destination.

and cannot relax until they have

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MBE BUSINESS MAGAZINE APRIL / MAY 2020

W W W. M B E F O RYOU. C O M


can also test themselves at any time of the journey with multiple directions. These different directions can help one determine which is the best path to success. VALUE: Value is an important part of your journey because one should value every step of their journey towards success and not leave anything out. If you feel at any moment that you are losing the value with which you were suppose to get to by the end of the journey, then you should make corrections and go towards the right path. Value is something that no one can hand to you on a plate and is something that must be created and earned. DETERMINATION: Determination is perhaps the most important aspect towards gaining success. Let me give you an example; If you want to become a business man and you have no funds, it does not mean you should give up. Your determination should help you find a solution for this roadblock. CLASSIFICATION: When you are looking at success you have to classify what type of success you want to achieve. Whether it is success in your family life, business success or education success, the only way you will feel that you are successful is when you archive your life in all of these sectors and know what you want to succeed in. ACHIEVEMENTS: Achievement is a gift of success but one must figure out what they are trying to achieve. If you know what you are setting out to achieve this will make it easier to achieve HONESTY: If one does not remain honest with themselves and the ones they work with they are bound to come across roadblocks on their journey towards success. By being honest and righteous, your journey will surely be smoother. Honesty is also important once one has achieved success in order to maintain in the long run.

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MBE BUSINESS MAGAZINE APRIL / MAY 2020

07


SYED MANSOOR ALI NAQVI AUTOBIOGRAPHY PRESIDENT MBE GROUP

                           

                


Teamwork & Success

SYED MAHMOOD NAQVI Vice President | MB Enterprises

Working as part of a team is an essential part of character

IMPROVING OTHERS = IMPROVING YOURSELF

building. It is not an easy task, building a team and managing

If you are working as a team the people around you in the

a team. When building a team one must first set themselves

team will try and emulate you. If you work hard and set the

as an example to follow.

bar high, then others will follow this example. Most people also have a competitive spirit and this is fueled more when

When it comes to working as a team there must be no

they see others around them succeeding. So if you set a

excuses and one must be willing to step above and do the job

good example for the team they will follow you. This will work

whenever they are required. The development of a team

both ways as it will also inspire you to do better in order to be

comes with time and effort and a developed team can take

a good example for others.

upon any task that they are presented with. ATTITUDE MATTERS GROUP EFFORT IS MORE EFFECTIVE THAN INDIVIDUAL EFFORT

You should be the kind of person who wants to be a team

Small business ventures can be run independently, however if

player. People respect the ability to work well with others

you are ever trying to expand your business and move on to

more than anything. Your individual actions have an impact,

the next level having a strong core team is very important.

but if you’re reluctant to do something to help your team, it’ll

The most impressive feats are accomplished by groups of

have a negative impact on whatever task you are trying to

people, not individuals.

complete

LEADERSHIP

DON’T EVER THINK THERE IS NO TEAM

The purpose of a leader is to work with the people to find

The amount of work you put in with your team will directly

solutions that work best collectively. Leaders bring people

result in more success. And always remember: the success of

together. The best leaders don’t act with a sense of superiori-

your team is your success.

ty or try to patronize the people working for them; they act like a father.

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MBE BUSINESS MAGAZINE APRIL / MAY 2020

09


MOTIVATION SECRETS TO INSPIRE YOUR EMPLOYEES Keeping your employees motivated is challenging for any business owner or manager.

SYED ALAMDAR HUSSAIN Country Head - MB Enterprises

Instilling motivation isn't easy, but it's necessary if you want

1. INDIVIDUAL ATTENTION MATTERS.

your employees to grow and stay satisfied with their jobs. It's

While teamwork is an important element of company

the driving factor that leads people to work harder, meaning

success, and grouping your employees together has advan-

more productivity for your organization, and the most impor-

tages in building that "team" mentality, nothing beats individu-

tant contributing factor to overall satisfaction, which leads to

al attention when it comes to individual motivation.

higher employee retention.

2. ADVANCEMENT OPPORTUNITIES ARE ENTICING. Everyone is unique, with unique values and ideas, and if you

People tend to feel stifled when their job becomes repetitive

want to be successful in instilling company-wide motivation,

or stagnant. Going too long in the same position, with no

you have to find multiple strategies to reach each individual.

changes or hope for change, will eventually demotivate even

WHY MOTIVATION IS IMPORTANT

the most ambitious employees.

and using those results to motivate them, you can improve

3. ENVIRONMENTAL MOTIVATORS CAN MAKE OR BREAK YOU.

business performance. In addition to being more highly

How you shape your work environment has a major effect on

engaged, motivated employees handle uncertainty more

your team's mentality. There's no right or wrong way to go

easily; are better problem-solvers; have higher levels of

about this, since every company is going to have a different

innovation, creativity, and customer-centricity; are more

culture, but it is important to include both opportunities to "get

profitable; create higher levels of customer satisfaction; and

away" from the traditional work environment and pieces of

increase employee retention rates.

color or flair that make the office interesting.

HIGH LEVELS OF EMPLOYEE MOTIVATION ARE INTRINSICALLY LINKED TO HIGH LEVELS OF EMPLOYEE ENGAGEMENT.

4. SOCIALIZATION MAKES PEOPLE MORE COMMITTED.

By understanding the reasoning behind employees’ actions,

Trying to make everyone in the office best friends is a bad idea for a number of reasons, but that doesn't mean they shouldn't have meaningful conversations outside of a typical

Here are nine motivation secrets that can help you keep your

work environment. Being friendly with your work force builds

work force happy and driven to succeed.

bonds and a collective sense of teamwork, and makes work seem less machine-like and more like an organic team effort.

5. TRANSPARENCY IS THE KEY TO COMMUNICATION. Creating an environment of transparency, where you speak openly about your business to your employees and they feel comfortable coming to you with anything that's on their minds can do wonders for the collective motivation of your workplace. That's because transparency builds trust; when people understand that you aren't hiding anything, and that you'll listen to anybody, they're far more likely to respect you as an authority and appreciate you as a leader. It also opens inter-departmental channels, giving employees and supervisor’s greater clarity and more opportunities to openly communicate.

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MBE BUSINESS MAGAZINE APRIL / MAY 2020

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6. INCREASE YOUR APPEAL

8. HEALTHIER EMPLOYEES

The acquisition of skilled and dedicated workers will help

Assuming you offer some type of health/dental plan and sick

create a strong foundation for your business. To bring these

leave, your workforce should be in relatively good health. If

individuals on board, it helps to have some tangible benefits

your employees have solid health insurance plans in place,

that differentiate your business from the masses. Rather than

there is a better likelihood that they will have regular check-

offering the bare minimum, give your employees benefits like

ups and take preventative medical steps, which should help

paid vacations and holidays, health plans, and retirement

in ensuring they don’t take many sick days. . By offering sick

plans to make your business more attractive. A survey

leave, workers who are sick and may be contagious won’t

showed that attracting and retaining talent was the biggest

infect others. The end result should be a healthier workforce.

reason that companies offered employee benefits. Offering solid benefits also demonstrates that you believe in your

9. BETTER JOB PERFORMANCE

company enough to invest in your employees, and proves

By offering benefits, you give employees more of a reason to

that you’re stable, which can help you acquire A-list talent.

care about your company and remain loyal. As a result, they should be willing to work harder, which can lead to greater

7. MINIMIZE YOUR TURNOVER RATE

productivity and higher quality. According to Insurance

It’s difficult for a business to make serious progress when

Quotes, 57 percent of private employers offer more than the

employees are constantly coming and going. When this

legally required benefits. For this reason, providing benefits

happens, it’s hard to establish a veteran team of experts, and

can put you above 43 percent of competitors who don’t offer

the overall talent level will lack. Fortunately, offering benefits

extra benefits.

packages is often enough to make employees stick around for the long run. By investing in your employees, it shows that

While offering employee benefits may cost a bit more initially,

you have their best interests in mind and value their job

the long-term advantages can greatly outweigh those costs

performance. This can help you build a tight-knit team of

and contribute to your overall success. Your business will be

professionals that will stay for years.

poised to acquire true professionals who are in it for the long haul. This will help create a stable workforce and position your business as an industry leader.

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MBE BUSINESS MAGAZINE APRIL / MAY 2020

11


 

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Apple’s Launch of

Apple TV+ not Going as well as Most Predicted STUART HIMMEL Staff Writer

Apple’s Inc’s streaming video service has gained very limited

backlog of catalogue content. Another potential reason why

traction with consumers which could represent a cautious

Apple TV Plus has not caught on with subscribers could be

approach as the company moves away from hardware sales.

because Apple hasn’t been able to effectively promote TV Plus to its 1.5 billion device installed base. The company may

Analyst estimated that fewer than 10 million consumers have

also be deliberately scaling its promotions of TV Plus slowly

opted for the free 12 month trial of Apple TV Plus which

to mitigate the negative accounting impact. Investors should

equates to 10% or fewer of eligible consumers.

watch closely the adoption of TV Plus as the take rate will provide a better indication of potential acceptance of the

Apple TV Plus may be failing to register with consumers due

service as well as Apple’s ability to successfully launch new

to its limited content offerings. Other streaming services

revenue generating services.

such as Netflix or Amazon Prime offer reruns to well-known content while Apple only offers original shows with “The

Shares of Apple are up nearly 80% from a June low although

Morning Show” starring Jennifer Aniston, being the most high

it the stock price has recently dropped on concerns over the

profile. Walt Disney’s Disney Plus service has benefited from

Coronavirus outbreak. Apple services business grew less

the company’s pool of properties namely Star Wars and

than expected in first quarter results which was seen as

Marvel to name a few.

disappointing. Credit Suisse analyst suggested the business is key to long term success and is often cited as a driver of

A panel hosted by Universal Serial Bus (USB) said that Apple

multiple expansion.

TV Plus needs a mega hit original series to retain subscribers and may likely have to also acquire an asset with a big W W W. M B E F O RYOU. C O M

MBE BUSINESS MAGAZINE APRIL / MAY 2020

13


PROFILE MICHAEL MCCAIN MAPLE LEAF FOODS CEO

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Michael Harrison McCain (born 13 November 1958) is a Canadian business executive, currently serving as the President and Chief Executive Officer of Maple Leaf Foods since January 1, 1999. Born in Florenceville-Bristol, New Brunswick, McCain is the son of Wallace McCain, the co-founder of McCain Foods and Margaret McCain, a Canadian philanthropist. McCain is listed on Canadian Business Magazine’s 100 richest Canadians with a net worth of CA $4.15 billion as of August 2019. McCain studied at the Mount Allison University and then Ivey School of Business at the University of Western Ontario. He graduated in 1979 with a Bachelor of Arts in business administration. In 2014, McCain received an honorary doctorate from Carleton University in recognition of his leadership in economic development. In 1979, he joined McCain Foods sales department and worked up into management. By 1986, he became the President of McCain Citrus Incorporated and in 1990, was appointed as the President and Chief Executive Officer of McCain Foods USA Incorporated. In the 1990s, a prolonged legal dispute between McCain co-founders and brothers Wallace and Harrison McCain over succession to the company leadership ended with the departure of Wallace and Michael from McCain Foods.

As CEO of Maple Leaf Foods, McCain was lauded for his handling of the outbreak. The Globe and Mail hailed McCain as "a role model for crisis management" for his contributions toward containing the incident. Writing in The Conversation, Deborah de Lange praised McCain's transparency, ethics, and leadership skills during the outbreak, referring to his "track record of leadership", and Hill+Knowlton Strategies's Jane Shapiro referred to it as "a textbook example of how to handle a crisis." McCain was named the Business Newsmaker of 2008 by the Canadian press. Writing a 2013 case study in the Financial Times, business theorist Morgen Witzel noted that in addition to accepting responsibility, McCain's recovery strategy included a hiring freeze but open hiring in the food safety department, which was to hire at any cost. In January 2020, McCain attracted attention by lambasting Trump, calling him "a narcissist in Washington" and holding him responsible for the events that led to the Ukraine International Airlines Flight 752 being shot down by Iran, in which a colleague at the company lost his wife and 11-year-old son. Following his comments, McCain, well-known for his philanthropic endeavors, has been complimented by some for his humanity, and criticized by others, for neglecting shareholder interests, as reactionary calls for a boycott of the company after his comments made their way into mainstream news impacted stock prices.

McCain joined Maple Leaf Foods as President and Chief Operating Officer in April 1995, and is currently President and Chief Executive Officer of the firm. McCain is also the director of Maple Leaf Foods, McCain Capital Corporation and McCain Foods Group Inc. McCain is also a board member for several Canadian firms including Royal Bank of Canada, the American Meat Institute, and also serves on the board of trustees of the Hospital for Sick Children. He was also director of the American Frozen Food Institute and Bombardier, the Canadian multinational manufacturer of commercial jets. Maple Leaf Foods employs roughly 12,000 people across Canada, the U.S. and Asia with 75% of their business in Canada. Maple Leaf is also the first large-scale manufacturing food company in the world to make an effort to become carbon neutral. The 2008 Canadian listeria outbreak in Canada was linked to cold cuts from a Maple Leaf Foods plant in Toronto, Ontario. There were 57 total confirmed cases, resulting in 22 deaths.

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MBE BUSINESS MAGAZINE APRIL / MAY 2020

15


E- Scooter Pilot Project STUART HIMMEL

Staff Writer

Can you picture e-scooters waiting

The two leaders of the biggest

on sidewalks for commuters to hop

e-scooter companies in Canada, Bird

on and then drop off whenever and

and Lime, said they could work with

wherever they want? If your answer

specified parking spots downtown but

is no, you are not alone. This pilot

would require a lot of them. Lime’s

project does not appear to be part of

Chris Schafer, suggested a two zone

Toronto’s future unless changes are

system as ideal for Toronto with

made.

riders in suburbs able to leave scooters at the sidewalk edge and

In the month of March, city experts

wherever convenient and in designat-

will reveal recommendations for

ed parking spots downtown or on the

e-scooter use during a 5 year

street or sidewalks if width permits.

provincially sanctioned project that

This allows for an organized program

will let municipalities create most of

that balances the convenience riders

the rules.

appreciate in other cities around the world. Bird Canada’s Stewart Lyons

Janet Lo, senior project manager,

is also advocating much the same as

gave a preview to Toronto Accessibili-

Lime’s Chris Schafer. Bird Canada,

ty Advisory Committee which

is currently working with a defined

entailed the “preferred” model would

parking system in Montreal with no

see riders pick up and drop off

issues but stated they would require

e-scooters only in designated spots.

lots of spots, maybe every 80-100

Two spots being considered include

meters. He also stated that restrict-

Bike Share Toronto Stations or on

ing the spots to Bike Share stations

street vehicle parking spots convert-

would be insufficient.

ed to scooter use by Toronto Parking

Councilor Kristyn Wong-Tam, chair of the

Authority (TPA). Lo is suggesting

At the meeting, Janet Lo heard from

accessibility advisory committee, was

that the high number of bike share

disability advocates who don’t want

surprised at the injury statistics collected from

stations (plans call for 625) make it

the e-scooters in Toronto at all.

July to mid-October during Calgary’s pilot

easy for people to walk and gain

“Scooters pose an immediate and

project. Hundreds of scooter related hospital

access to the e-scooter which would

serious danger to people with

visits included 33 that required ambulance

address the sidewalk clutter and

disabilities” stated David Lepofsky,

trips including at least one pedestrian.

obstruction issues. Lo will recom-

chair of Accessibility for Ontarians

Wong-Tam’s motion was passed unanimously

mend to councilors that TPA will

with disabilities. Lepofsky, who is

by committee members, urging council to

become the city’s umbrella agency

blind, said vehicles travelling at 24

reject calls to legalize e-scooter usage. She

for all e-scooter options noting its

km/h are dangerous to people like

stated that if e-scooters are legalized, rules

plan is to add 300 scooters as part of

him when they are moving and a

must be guided by public safety in consulta-

the pilot project.

tripping and obstruction hazard when

tion with people living with disabilities.

they are parked.

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MBE BUSINESS MAGAZINE APRIL / MAY 2020

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Starting a retail-based business idea? Well think again BUSINESS IDEA INSIGHT There can be a right time and a

some common factors and patterns

THE INTERNET COMPLIMENTS THE BUSINESS

wrong time for launching a business.

you will find in these thriving

MODELS

Retail based business ideas can be

industries.

Another common theme is that

great, but there are many downsides

internet has allowed these business-

these days with how the internet and

COMMONALITIES AMONG THE THRIVING

es and business models to thrive by

other factors are changing the retail

BUSINESSES

driving people to their store fronts.

shopping landscape.

THE NEED FOR GREAT EXPERIENCES

Whereas the dying industries like the

A common theme among those five

furniture stores, shoe stores and

TIMING IS EVERYTHING

thriving industries is that they provide

hardware store are being over-taken

It’s important you pay attention to the

an experience for their customers

because the online experience is

timing of markets. You can have a

when they leave the home. These

much better and preferred.

great idea, but if the timing is off,

places make it pleasant for people to

you’ll fail. And 2020 has continued to

spend their time, which now is

THE DESIRE TO BETTER YOURSELF

show that trends in the retail space

proving to be more important than the

The last key theme among these

will continue their path.

amount of money a customer will

thriving retail businesses is that they

spend. If you can get them to spend

provide value in the person feeling

If we look at some of the industries in

their time with your business, that is a

better about themselves. A restaurant

retail businesses that are thriving,

success too as that will build over

will provide a great meal and that

such as restaurants, nails salon, pet

time to more money being spent

person will be full and happy. The nail

care and gyms. We will see some

because of brand loyalty.

salon may give someone new

commonalities. Let’s walk through

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MBE BUSINESS MAGAZINE APRIL / MAY 2020

confidence because of their fantastic W W W. M B E F O RYOU. C O M


new nails. And a gym allows someone to get into shape and better their health. MOST RETAIL EXPERIENCES SUCK Just think about it. Think of a time when you went to go buy shoes in the mall. First, you need to spend time getting to the mall and finding parking if you drone. Then, when you first walk in, you’ll have to walk half a kilometer to find the shoe store you are looking for. And finally, when you reach the store to buy shoes, you’re bombarded with sales tactics to get you to buy everything in the store. IT’S NOT AS A PLEASANT EXPERIENCE AS ORDERING SOMETHING ONLINE IN THE COMFORT OF YOUR HOME. There are usually more deals found when doing online shopping as well. For example, flash discounts through email marketing that you usually won’t get in store, and you can see from all these growing retail industries that they create value for their customer. IT COME SOMETIMES FEEL LIKE MISSION IMPOSSIBLE It’s not as a pleasant experience as ordering something online in the comfort of your home. There are usually more deals found when doing online shopping as well. For example, flash discounts through email marketing that you usually won’t get in store. THIS PRESENTS TWO OPPORTUNITIES FOR YOUR BUSINESS IDEAS 1: Follow the trends and don’t start a retail storefront in the declining industries, and stock within the growing industries if you want a retail-based business. If you need help finding trends, you can use these 12 tools for discovering business idea trends. 2: Design more engaging, fun and value-added aspects to a declining retail industry, and see how you can substantially stand out from the competition and take market share from the current competitors. Next time you sit down with your list of retail-based business ideas, ask yourself those questions I put in above, and see if the company you want to start will actually provide an amazing experience and add value to someone’s life.

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MBE BUSINESS MAGAZINE APRIL / MAY 2020

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APRIL - MAY

EVENT 2020 CALENDAR APR 10

FRIDAY

Good Friday in Canada

APR 13

MONDAY

Easter Monday in Canada

Good Friday occurs two days before Easter Sunday. It is the day when Christians commemorate the crucifixion of Jesus Christ, which plays an important part in the Christian faith. It is also a statutory holiday in all Canadian provinces and territories except Quebec, where it is partially observed

Easter Monday is the day after Easter Sunday, which commemorates Jesus Christ's resurrection, according to the Christian Bible. Easter Monday is also a holiday for many Canadians.

APR 24

FRIDAY

Ramadan Start in Canada

APR 29

WEDNESDAY

Yom HaAtzmaut in Canada

Ramadan (also known as Ramadhan or Ramzan) is the ninth month in the Islamic calendar. It is a period of prayer, fasting, charity-giving and self-accountability for Muslims in Canada. The first verses of the Koran (Qu'ran) were revealed to the Prophet Muhammad (also written as Mohammad or Muhammed) during the last third of Ramadan, making this an especially holy period.

Many Jewish people in Canada remember Israel’s Independence Day,

also

known

as Yom

Ha’Atzmaut

(or Yom

HaAtzmaut).

Celebrations are annually held on or around the fifth day of the month of Iyar, according to the Jewish calendar.

MAY 10

MONDAY

Mother's Day in Canada Many

Canadians

celebrate

Mother’s

Day

by

showing

their

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

MAY 18

THURSDAY

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

MAY 19

20

FRIDAY

MBE BUSINESS MAGAZINE APRIL / MAY 2020

Laylatul Qadr (Night of Power) in Canada

Many Muslims in Canada celebrate Laylat al Qadr, which most likely falls on one of the last 10 days of the Islamic month of Ramadan. Also known as the Night of Power or the Night of Destiny, it commemorates the night when God (Allah) revealed the Qur’an, which is the Islamic holy book, to the prophet Muhammad, according to Islamic belief.

W W W. M B E F O RYOU. C O M


MAY 24

Eid ul Fitr in Canada

SUNDAY

Many Muslims in Canada celebrate Eid al-Fitr (also known as Id al-Fitr or Eid ul-Fitr) on the first day of Shawwal in the Islamic calendar. It marks the end of the month-long fast of Ramadan and the start of a feast that lasts up to three days in some countries.

MAY 31

Pentecost in Canada

MONDAY

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

CROSSWORD PUZZLE SOLUTION

MONTH FEB - MAR

1

K A B O W H I R H I L D E A M O R D I V I O N E N S I N G 2

3

4

14

17

20

23

24

25

27

32

34

V E L O U E

42 45 48 53 59 62

E J E C T

W W W. M B E F O RYOU. C O M

B U R R O

46

I R I S E S

43

5

B O H R M E A E L V E N I A L D I N G O E I P U N W O R S C I O U T U S C A I Z O F A N T R E 6

7

15

18

21

28

29

8

M O O N

9

L E T T S

31

30

33

35

40

49

54

60

63

50

51

E D G Y

52

S W I G S I I N I O S L C I N E S A B E D 22

26

41

44

47

55

61

64

D A P H N E

11

S U R P R I S E

37

10

16

19

36

O R E A D S

12

S P A D E

13

A R C H

38

D E L E

39

E S S E X

D R E W

L L Y T E E R M A

56

57

58

MBE BUSINESS MAGAZINE APRIL / MAY 2020

21


5 ACCOUNTING CHALLENGES STARTUPS Face & How To Fix Them

DIGITAL MEDIA MARKETING MB Enterprises

Accounting challenges are the most common ones that

assets are increasing, enabling it for debt settlements. Cash

comes up in new businesses and fixing them up can be a big

flows in a company’s financial statements are listed in three

financial issue. At the same time when starting a business

sections detailing activities. The three sections are cash flow

solid accounting practices are a necessity to have success

from operating activities, investing activities, and financing

initially.

activities.

Accounting and bookkeeping holds paramount importance in

Maintaining a positive cash flow can be a huge challenge for

the initial phases of a business. As a business is in the early

fresh companies and new startups. The new companies’

days, accounting analysis, ratio analysis and recording of all

usually avoid the cash flow problems by staying on top of

activities regards to the business is a must. This is all

their finances, maximizing their revenues and finally minimiz-

because of the investment in business that requires a ROI i.e.

ing the expenses. The best way is to minimize the expenses

a Return on Investment.

and risks associated to business initially. This can be strategically achieved by reducing the costs payments and lowering

WHAT IS A ROI?

the cost of inventory.

A ‘ROI’ or Return on Investment is the Return you are getting on the initial investments that you have incurred on the

2. KEEPING TRACK OF FINANCIAL INFORMATION:

business. As businesses demands huge Returns to get

While running a small business and a new startup one can

established, it is necessary to get hold of the ROI or Returns

easily miss keeping track of financial information. As an

on Investments in a fully functional way.

owner or a CEO of the enterprise keeping track of the

However, as we discuss the issues and challenges when

financial information is a risk assessment exercise. It always

starting a new business. Here are some of them;

allows to optimize the cash flow, pay the taxes on time, success evaluations of the business and its standings, and

1. Maintaining a Healthy Cash Flow

attracting new investors through profitability. All these

2. Keeping track of financial information

activities are important to be successful and reductions in

3. Bringing in enough capital

initial phase accounting challenges.

4. Handling Payroll 5. Paying The Taxes

3. BRINGING IN ENOUGH CAPITAL: Enough capital means enough investments and making

1. MAINTAINING A HEALTHY CASH FLOW:

yourself secure for future investment options. A new invest-

Maintaining a healthy cash flow and with consistency is a

ment obviously demands big initial capital investments,

litmus test of a new startup. Cash flow in accounting terminol-

however, at the same time there should be a proper risk

ogies means the Net Flow of cash at the end of the month.

analysis to make goals sustainable. Most businesses accom-

Hence, in more financial terms a Cash flow is an important

plish these tasks by getting hold of or acquiring the investors.

financial metrics that determines the liquidity of a company. A

You have to convince the investors that their investments are

positive cash flow is an indication that a company’s liquid

risk free and they will not be incurring losses.

22

MBE BUSINESS MAGAZINE APRIL / MAY 2020

W W W. M B E F O RYOU. C O M


As an owner of the business you have to be very determined,

cost consuming, however, but still holds positive impacts on

focused and must have a solid business plan. These must be

the company profiling.

clear, having concise financial records and identifying potential investors.

5. PAYING THE TAXES: Last, but never the least is paying the taxes on time. Almost

4. HANDLING PAYROLL:

all businesses have to file and pay taxes. It can be a huge

Payroll, a key function in accounting and financial manage-

accounting challenge to understand the taxation system

ment for keeping track activity of employee payment records.

initially. For that particular purpose, the owner of the startup

In a startup business handling payrolls can be a huge

business should have a dedicated accountant or must

challenge as initial profitability is something that doesn’t

understand the tax system themselves.

comes that easy. The payroll is an unavoidable task and it needs to be accurate. Important as well, because getting the

Filing tax returns, maintaining offline and online records and

trust of employees is immensely crucial for a startup

interacting with consistency with the tax department is

business.

important to overcome the accounting challenges. The challenges that are associated with the ‘fresh nature’ of the

In what cases it can be a challenge, that’s the question? It

business, can easily be overcome through adequate tax

can be a significant challenge when startups don’t have the

knowledge. A good solution is to outsource taxing services

ability of handling tasks in-house and there can be some

and hire a tax consultant to overcome the challenges faced

major calculation errors. Thus, in that case, the best solution

because of the taxes.

of outsourcing the payroll activities. Something that can be

W W W. M B E F O RYOU. C O M

MBE BUSINESS MAGAZINE APRIL / MAY 2020

23


8 JOBS COMPANIES

Shall Be Looking Forward in 2020

DIGITAL MEDIA MARKETING MB Enterprises

In the 2020, there shall be a huge demand for many jobs in

These industries includes Airline, Engineering and Aviation

various different sectors. This demand is due to the advance-

industry, Space research, Science and Technology, IT and

ments in technology, infrastructure and developments in

Computers, Mechanical engineering, and Food, Health and

many sectors.

Safety industry. All these industries requires involvement of Technology, and quality assurance procedures that are a

1. DEMAND FOR DATA ANALYSTS:

mandatory requirement.

Data analysts will be in demand as the amount of data research will definitely be on the increase. The position for

3. STABLE AREAS: ARCHITECT & ENGINEERING JOBS:

data analysts requires immense amount of experience and

Stability in jobs in areas for architects and engineers will be in

knowledge of analyzing and evaluating rich data.

demand in the whole 2020. The reason behind this is every year there are hundreds of buildings and infrastructure that

JOB RESPONSIBILITIES OF ‘DATA ANALYSTS’:

will be getting ready as the demand for high rise buildings all

The job responsibilities of ‘Data Analysts’ are as follows;

over the world has increased significantly.

1. Analyzing huge data sets. 2. Making data representations and useful analysis in form of

In North America i.e. Canada and the USA, the demands are

pie charts, histogram, bar charts and other statistical

very high for high-rise infrastructure. This is mainly because

representations.

according to stats and research USA and Canada are

3. Making useful comparisons for the purpose of Market

considered countries with larger concentration of high rise

Research and surveys.

buildings. New York is the city with the highest number of high

4. Gathering useful information for data surveyors and

rise buildings than any other cities in the world. Toronto is

research scientists.

increasing every day in the number of high-rise buildings and

5. Also used by research analysts for analysis of trends,

growth in infrastructure.

behaviors, and market evaluations. 6. Data analysts use data interpretations for help in reports

Hence, with the increase in high-rises the engineering jobs

for future market research options, sales trends and other

shall also be increased i.e. civil engineering, mechanical

‘Data Research’.

engineering, and electrical engineering works, etc.

The positions for data analysis shall be useful in 2020 due to

4. INCREASE IN SPECIALIZED SALESPEOPLE/ EXECUTIVES:

the huge amounts of data that will be used for data manipula-

The increase in specialized sales executives and business

tions and analysis.

development executives shall also be on the rise. This is primarily due to the fact that sales people are the ones who

2. A BOOST IN IT, TECHNOLOGY & MATHEMATICAL JOBS:

are responsible for bringing increased sales & growth to

There shall be a boost in IT, Technology and mathematics

industries.

jobs in the year 2020. The boost is primarily due to the fact

Similarly Business development managers and executives

that IT, mathematics, and research shall be in demand in

are the key force in the Sales and Marketing departments.

almost all industries.

They are the ones who are highly responsible for a successful marketing environment.

24

MBE BUSINESS MAGAZINE APRIL / MAY 2020

W W W. M B E F O RYOU. C O M


5. THE NEED FOR ‘EXPERIENCED’ MANAGERS ESPECIALLY DURING TRANSFOR-

7. NEED FOR HR, ORGANIZATIONAL DEVELOPMENT SPECIALISTS & RESKILL-

MATIONS:

ING WORKERS:

Every company should plan for a change management

Human Resource specialists are needed in almost all the

program or a transformation strategy at the start of 2020. The

organizations, and in 2020 their demands shall be huge.

role of experienced managers and higher management in the

Organizational development and organizational behaviors are

implementation of a change management program can’t be

the two mainstream fields for promoting discipline and skills in

ignored.

any organization. Re-skilling means coming up with a change management program for workers skills and development

‘Senior Managers’ should act like an anchor for their company

requirements.

in combatting issues of transformation. The role is also important as they are experienced enough in understanding a

The start of 2020 will see huge investments in research and

company’s culture.

development, hence an automatic increase in the people’s skill development programs.

6. THE NEED FOR PRODUCT DESIGNERS: The intense need for product designers is a necessity for

8. INCREASING DEMAND FOR RELATIONS EXPERT. ESPECIALLY FOR

bringing uniqueness, creativity and increasing the innovation.

COMPANIES EMBRACING NEW TECHNOLOGIES:

Innovation beyond any doubts is a true essence of bringing

Govt. relations experts especially those involved with new and

creativity to a product and feature enhancements.

advanced technologies will be in demand. Every year the

Product designers shall be needed in almost all sectors

introduction of new technologies means the techno world is

whether it’s mobile technology, clothing/garments industry,

always on the boom. As part of the regulatory affairs and

food and technology industry, media, marketing and advertis-

relationship management, there shall be a boost in demand

ing.

for regulatory officers.

W W W. M B E F O RYOU. C O M

MBE BUSINESS MAGAZINE APRIL / MAY 2020

25


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CROSSWORD PUZZLE

15 16 BEWARE THE IDES ACROSS Across 18 19 1 Personal ad abbr. 4 West Indies native 21 22 9 Form of some protests 14 Chinese "way" 15 Identical 24 25 26 27 16 Draw a bead on (2 wds.) 17 The Buckeyes, briefly 28 29 30 18 Best Actress Oscar nominee for her title role in "Pinky" (1949) 20 Develop a liking for (3 wds.) 31 32 33 34 35 22 Sounds heard in passing? 23 Denzel Wash-ington's co-star in 36 37 38 39 "Training Day" (2001) 25 Fraternity letters 28 Some 4-yr. degrees 41 42 29 Earth, wind or fire 31 Bronze 44 45 46 33 Honda model 35 King, in Cadiz 48 49 50 51 52 53 36 He was a Best Actor Oscar nominee for his portrayal of Mr. Miniver 54 55 56 40 Gonzales and Holder, for short 41 Hypothetical fundamental 58 59 60 particle 42 Wyn ken and Blynken partner 43 Kind of game in which the 62 63 loser's loss is precisely the winner's gain (2 wds.) 65 66 45 Bad result for a QB 47 Sound system brand 48 Former comedy duo straig,ht DOWN man who played Matt Helm in 38 Oozes, as charm slang 1 "Uncle Tom's Cab in" penner four films 39 Diary bit 12 __chi 2 Attended (2 wds.) 54 Finger, in a way 40 Early AIDS drug 13 It may be AM or FM 3 Club for rural youth (2 wds.) 56 Heightening posture 44 Playwright Sean 19 It moves in a wink 4 Some Louisinianians 57 Mobster and Vegas visionary 45 Obstruct 21 Normand of the silents 5 Israeli leaders? played by Warren Beatty in a 46 City near Mr. Vesuvius 24 "Six Degrees of ..." actor 6 Gaucho's accessory 1991 biopic 49 Gobbled (2 wds.) 26 Upturned, as a box (2 wds.) 7 " __Why the Caged Bird Sings" 60 "I _ you one" 50 Timbuktu's river 27 Hog haven (Maya Angelou autobiography) 61 Arab commander: Var. 51 Sporty car roofs (2 wds.) 30 Ticker tape?: Abbr. (2 wds.) 62 Blue __ shoes 52 Midwest tribe 31 "Twasn't nuth in"' (2 wds.) 8 Actor Stiller of "Night at the 63 I-__ Mini 32 They get fired up in the kitchen 53 Required things Museum" 64 Snap course (2 wds.) 55 Gore Vidal's Breckinridge (2 wds.) 9 __ book 65 After, but before -ski 57 Spell-off 33 Ann Rule specialty 10 Military aviators, collectively (2 66 Conscription org. 58 John's "Pulp Fiction" co-star 34 Wall St. fund-raiser, of sorts wds.) 59 "This__surprise!" (2 wds.) 37 Profs' helpers 11 Blockbuster, in "Variety" -type

See previous issue answers on page # 21 W W W. M B E F O RYOU. C O M

MBE BUSINESS MAGAZINE APRIL / MAY 2020

27


Horoscope for APR-MAY 2020 ARIES- TAUrUS ARIES Career and Money

your laptop to the kitchen table so

played—and what makes the players

you can work through dinner.

tick!

With all this high-profile energy afoot,

Love and Relationships

renegade Rams will have to set aside

Romance gets a revamp for everyone

punk-rock ways and learn to play by

in 2020, too. Venus turns retrograde

the corporate rules…at least some of

from May 13 to June 25, a cycle that

the time. But from March 21 to July 1,

happens every 18 months. This time,

sensei Saturn lunges into rebellious,

the love planet backs through Gemini

team-spirited Aquarius, giving you a

and your friendly, flirty third house.

chance to bend (or rewrite) a few of

Lines could blur in ways that are both

those laws. Before you go there, push

beguiling and a tad troubling, so don’t

achieve your goal.

yourself to gain a fundamental

let your rash nature guide your

understanding of these directives.

moves.

That said, nailing the elusive work-life

They do have a purpose, even if you

Since Capricorn rules your tenth house of career, you’ll be obsessed with figuring out your soul purpose. If you’re already marching along your path, scale up your mission or expand into new territories. Long hours at the office won’t bother you at all. You might just set up a workspace at home this year so you don’t have to sacrifice all your family time to

balance will be a worthy challenge in 2020. With three final eclipses hitting the Cancer/Capricorn axis between January and July, you could get pushback from loved ones if you skip too many family gatherings—or bring

28

MBE BUSINESS MAGAZINE APRIL / MAY 2020

consider it archaic. Saturn will return

The third house is the realm of

to Aquarius again from December 17

coworkers and neighbors, two groups

until March 7, 2023, so don’t get

of people you should think twice

overly hung up on changing the

about fooling around with. What

game this year. It’s more important

might feel like a convenient spring

that you learn how said game is

fling could leave you feeling beyond

W W W. M B E F O RYOU. C O M


awkward around your office or

Since Jupiter is the galactic gambler,

finance” policy this year. Single Bulls

apartment complex. On a positive

your play-it-safe nature won’t hold you

will have little tolerance for a Tinder

note, Venus’ backspin could give you

back when it’s time to leap. Risky

date who doesn’t reach for their wallet

the courage to admit that your feelings

moves you would never have consid-

when the check comes (as an act of

go beyond friendship for someone

ered in the past might seem sane and

generosity as opposed to archaic

who makes you swoon. Coupled Aries

logical in 2020. Both Jupiter and

gender roles). And if they have no

can use Venus retrograde to strength-

Uranus have a teenage quality to

plans for building a stable future, it’s

en communication. Are you insisting

them, and in 2020, you could feel as

an instant “bye!” Between April and

on autonomy at the expense of

fearless (and frisky) as a 15-year-old!

August, coupled Taureans could come

harmony? See where you can compromise and cooperate more.

into cash as a result of your S.O.’s Simultaneously, structure-obsessed

good fortune, through their income, an

Saturn and control-freak Pluto will

inheritance or a mix of both. Serious

travel alongside Jupiter in Capricorn,

talks about spending, saving and

providing some semblance of a safety

investing must be had in 2020.

With your enthusiastic and expansive

net. These powerhouse planets have

Fortunately, Venus is the cosmic

ninth house #lit, 2020’s planets help

been settled in Capricorn’s realm for a

diplomat, which makes it easier to

you face your changing circumstances

while—Saturn since December 19,

discuss the “taboo” topic of money.

with a rare sense of enthusi-

2017, and Pluto since November 27,

asm…and, dare we say, joie de vivre.

2008. Fear not, Taurus, you haven’t

And should all the fast-moving energy

That might also mean scrapping your

lost all touch with your common

of 2020 necessitate a major life

meticulous ten-year plan or cashing in

sense. Even if you do have moments

change, courageous Mars has your

on an investment before it’s reached

where you just want to escape off the

back. The warrior planet will hold an

full maturity.

grid, status-conscious Saturn and

extended pose in Aries and your

Pluto won’t let you give up all worldly

twelfth house of healing, transitions

Should you find yourself suspended

possessions to follow a guru across

and endings from June 27, 2020, to

between two worlds, do not panic.

the globe. (A three-month stint in an

January 6, 2021. During the

With horizon-broadening Jupiter in

ashram, however, is not out of the

retrograde phase, which lasts from

Capricorn and your open-minded

question in 2020.)

September 9 to November 13, you

TAURUS Career and Money

ninth house until December 19, you’ll be shocked by your own versatility.

Love and Relationships

This is the year to be a student of life,

Since Venus is the ruler of love, she’ll

opening your mind to discoveries.

institute a firm “no romance without

W W W. M B E F O RYOU. C O M

may need a time-out to grieve a transition.

MBE BUSINESS MAGAZINE APRIL / MAY 2020

29


AUSTRALIA

A History of Fire & How it can Help in Future DIGITAL MEDIA MARKETING MB Enterprises

Australia is the smallest of the seven continents and the

since ages, the animals have adapted and so did the plants,

seventh largest countries on earth. The Capital city is

however, the threats have increased more or less. An Aussie

Canberra and the biggest cities are Sydney and Melbourne

environmentalist from a University believed that all this is

that are the economic and cultural centers and one of the

embedded in the Australian biota, and in its genome.

most developed cities in the world. The country is full of landscapes, forests, and deserts making Australia one of the

IT SEEMED LIKE MAGIC IN AUSTRALIA:

most wanted tourism and cultural spots in the world. It has

The early Australians i.e. the indigenous Australians just

been called as the oldest continents, “The last of Lands” and

celebrated their land, the fire, hunted, cooked and used it to

“The Last Frontier.”

good effect to manage the massive land. The originals from Australia, as they are known as ‘The Aborigines’ i.e. ‘The

AUSTRALIA- THE ‘FIRE’ CONTINENT OF THE GLOBE:

Native Australians’, made it more of a fire continent than it

However, the country has faced immense challenges due to

was before. They were the ones who knew the best use of the

dangers and hazards caused by bushfire and wildfires in their

fire stick and consumption of what they called ‘The Magic of

forests. Australia comes 6th on the list of forest area covered

Fire’ in the medieval ages.

with 16% of their land covered in forests. The country has a history of bushfires with many people dying annually, wildlife

Their land management practices included “cultural burning”

getting killed and many other hazards that have been a

i.e. coming from the primitive times. ‘Cultural Burning’ helps in

source of challenge for the Government of Australia.

preventing the fire risks and protecting native habitats.

According to the forest researchers of Australia, the bushfires

The next age settlers’ i.e. European settlers and newcomers

have shaped our continent since many years and the threats

saw the cultivated landscape, a land that has been nurtured

are more immediate and impactful. It is known as the

irrespective of the hazards. Seemed like a piece of magic or a

‘Fire-continent’ of the Globe and that’s the most concerning

miracle especially to the colonists who thought that it had

things i.e. the future of fire as the continent steps into the

been prepared for them and their stocks. A landscape that

hotter times. The intensity of heat in the forests in summer is

was transformed through years of constant understandings of

so high that it causes fire, however, the answers can be local,

combatting instruments from the wildfire.

ecological and historical. THE NEW ERA OF WILDFIRES-THE GLOBALIZED AGE: A LANDSCAPE SHAPED BY FIRE:

A set of carefully managed fire practices used by the old age

The conditions in Australia and the landscape is the right one

Australians i.e. Indigenous Australians were altered in one of

for fire. With time since the last century the flora and fauna

the most drastic ways.

has adapted. According to the botanists and regional researchers from Forests in Australia the continent has

The arrival of Europeans in around 1788 saw some great

possessed the right conditions for fire. It is wet enough for

disasters as they removed the managers from the

things to grow and dry enough for them to burn. With time

landscapes, letting the land go wild. European settlers saw a

30

MBE BUSINESS MAGAZINE APRIL / MAY 2020

W W W. M B E F O RYOU. C O M


new era of wildfires, as well as more intense fires and more

Burnings has been identified through extensive research as

frequent fires.

one of the many methods of hazard reduction. It is a method along with the mechanical removal of the fuel, and the

Australian ecologists also believed that in some ecologies in

method has turned out to be less risky rather more expensive

Australia things have differed because of geographical

in terms of cost effectiveness.

reasons. An example includes the mountain ash forest of south east Australia.

A hazard reduction burn is highly preventive as it reduces the intensity of the fire and allows the firefighters to control it. It

The Indigenous Australians would have burnt around the

also does less damages to the wildlife along with the associat-

edges of them and kept the pathways from those forests very

ed regional assets.

open and clear for people’s convenience. They knew how to save lives, however, they didn’t preferred to live in the hearts

According to research the fuel reduction becomes less

of those forests and avoided them in summers for better

effective and this takes place as the weather conditions get

reasons.

hotter, drier and windier.

THE HAZARD REDUCTION BURNS- FUTURE IMPLICATIONS: A hazard reduction burns is also known as fuel reduction burn. It is a fire that is deliberately started in order to reduce the severity of future wildfires and bushfires. It is one of the implications or remedies and is a modern phenomenon.

W W W. M B E F O RYOU. C O M

MBE BUSINESS MAGAZINE APRIL / MAY 2020

31


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The Canadian Housing Market Trends: 2020 Forecasts DIGITAL MEDIA MARKETING MB Enterprises Making money in the Real Estate not

to the rise and fall in the real estate

conditions & political instability.

only requires immense amount of

and property markets. These ‘Trends’

Climatic hazards in form of an

market trends analysis but also

matter mostly in big countries where

earthquake, storms or intense cold

requires focus of the variable markets.

land is easily available but the prices

conditions are also few examples.

of properties can vary according to A huge part of the residential property

the climatic conditions, according to

THE ROLE OF ‘INFLATION’ IN REAL ESTATE:

income comes from the ‘rented

the provinces, and according to the

Inflation in the real estate means the

properties’. The rental income in

real estate behaviors in the last few

prices of property today shall be

Canada and the prices of buying a

years.

different from that 10 years later. As

home via mortgages have fluctuated since 2016.

an example we can have a look at this As Canada is a huge country with low

case scenario a bit closer. A piece of

population density, these stats also

land worth $100,000 in the year 1970,

The reasons can vary due to the size

vary according to the provinces and

even if it is undeveloped and not cared

of the huge country i.e. Canada,

the intense climatic hazards. In the

for it will be worth many times more

however, making useful analysis of the

‘Housing market’ trends, ‘country-risk’

than what it was worth in 1970.

trends is a vital element while making

is one of the foremost risks and these

Therefore, the value of the property

investments in the property sector.

depend according to the political

will automatically rise with time in

conditions of the country. Other

most cases and this rise variance is

WHAT ARE THE HOUSING MARKET TRENDS?

conditions that relates to ‘country-risk’

according to the ‘appreciation value’

The housing market trends are related

are terrorist activities or attacks, war

for the land.

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MBE BUSINESS MAGAZINE APRIL / MAY 2020

W W W. M B E F O RYOU. C O M


CANADIAN HOME SALES WILL BE ON A HIGH FOR

figures for home construction and

the sustainability of Canadian citizens

THE NEXT TWO YEARS:

that’s in line with the historical average

and the country itself. There is huge

According to the CMHC’s sales

for annual home construction.

infrastructure in Canada especially in

forecasts figures that are in most

cities like Toronto, Vancouver, Calgary,

cases accurate the home sales have

There are many reasons why the

Ottawa, and Montreal. These are

fluctuated since last 4 years i.e. 2016,

stability in construction matters, the

some of the biggest cities in Canada

2017, 2018 and 2019. It was on a

main reason is economic stability and

with huge investments in property,

peak in 2016 than came down in 2017

over all property prices. The economic

which includes both private and

and kept falling in 2018 and stayed the

outlook for Canada has stayed

commercial.

same in 2019. However, there is a

positive over the years and this is

huge forecast for 2020 and 2021 that

mainly because builders feel good

AFTER DECLINES OF 2019, A RISE IN HOME

the home sales in Canada especially

about picking up the pace in home

PRICES:

in Ontario and British Columbia will

construction.

Similar to the sales there has been

increase. This is mainly because of a

One of the key factors of stability in

huge fluctuations in the home prices

strong demographic-driven demand

home construction is a stable labor

since the last 2 years. Not like the

for the housing sector.

market and labor laws. Canada is a

home sales the organization CMHC

country that gives labor rights to its

believes that it will be at strength in

REASONS FOR STABILITY IN NEW HOME

construction workers and labors with

the provinces of Ontario and Quebec,

CONSTRUCTION IN CANADA:

insurance that covers life insurance,

and that will lead to growth in the year

There will be stability in 2020 in the

and injury at work insurance.

2020.

and that is due to the demographic

THE IMPORTANCE OF LABOR LAWS IN CANADA:

However, by 2021, Quebec will be

demands increasing in most provinc-

Labor and construction laws in

down on the third place and the

es. In 2017 it was on its high i.e. most

Canada holds huge importance and

British Columbia markets will be in the

constructions of new homes in

are a big reason for its economic

big leagues. These three provinces

Canada happened in 2017 according

stability, hence automatically affecting

are the center of attraction for CMHC

to stats. What’s expected in 2020 and

the stability factors. Labor laws in the

with little gains that will be expected in

2021 will be the same as of 2019

construction industry are designed for

other regions.

new home construction in Canada,

W W W. M B E F O RYOU. C O M

MBE BUSINESS MAGAZINE APRIL / MAY 2020

35


The Green Party Wave Could Spread Across Canada: An Overview of

Party Agendas

DIGITAL MEDIA MARKETING MB Enterprises

The Green Party’s political agenda holds immense popularity

ACCOMPLISHING GLOBAL SUCCESS WITH DEFINED AGENDAS- THE GREEN

amongst the Canadians especially the rich class who are

PARTY:

most conscious of Canada’s Go-Green Sustainability

Every step towards their goals have enabled the Green Party

measurements. There are high profile Canadians these days

rise in their agendas for Canada. In terms of the preferences

who are concerned about the Climate change being a Global

for the party voters, it gives the voters a permission to

agenda. This has however created a shared social expecta-

express their true preferences instead of their strategic

tion that voting for the Green Party could also elect Green

preferences. This related to the practical steps of the Green

Politicians is a completely different story.

party towards their agendas for Canadian politics and its variable overviews.

36

MBE BUSINESS MAGAZINE APRIL / MAY 2020

W W W. M B E F O RYOU. C O M


interested in starting discussions for climate refugees and The Following sectors are the Green Party agendas;

they want to convince the Govt. to include them in the official

1. CHILD CARE:

refugee category.

As according to the policies of Green Party as of past elections 2019, they were keen to boost child-care funding to

5. JOB PROSPECTS- ‘2020’:

at least 1% of GDP annually.

The most important category that needs radical and improvised reforms in 2020 is the job sector. It is the revenue

This has been part of the universal child care funding

and tax generation sector for the economy and wellbeing of

program that lays emphasis on creating child care spaces in

Canada and making it a nation that stands out in the list of

the workplaces and awareness measurements on national

the most developed nations.

level. The Green party in election 2019 campaign gave a serious Green Party ex-leader Elizabeth May also announced her

mandate to improve the minimum wages to $15/HR, a

plans in the previous elections to create children’s commis-

pay-raise for hourly workers making them more secure in

sioner to ensure the importance and considerations for

terms of their monthly income brackets. They also gave a

children in the Govt.’s policy.

preposition for the removal of unpaid internship programs. The cancellation of the temporary foreign worker program

2. CLIMATE CHANGE- ‘A NATIONAL AGENDA’:

and implementation of a guaranteed livable income i.e.

In the last year’s elections of 2019 the agendas for Climate

income and support.

Change for Green Party Canada always related with their party name relevancy. They aimed to reduce Carbon

The most revolutionary measurement that Green Party

emissions by 60% below the levels that were in 2005 until 10

leadership promised was a robot tax i.e. the tax amount

years i.e. 2030. They further aimed to hit zero emissions to

companies will be paying for replacement of an employee

2050. This party also opposed the fossil fuel projects ending

with machine. The aim is evident and justified, more and more

the subsidies within a year according to their election

jobs for people with a higher pay rate and better future

mandates. Green party also pledged in their electoral

sustainability.

campaigns that all the electricity would come to renewable resources by 2030, a huge savings in resources for future.

6. TRANSPORTATION- MAKING COMMUTING EASIER: Transportation, an issue that was addressed in the mandate

3. HOUSING & REAL ESTATE:

of the Green party with an aim for better commuting

In the housing and real estate sector ‘Green party’ agenda is

measures for the general public. Following are their transpor-

a much improved one than their last campaign. In their

tation agendas and prepositions in the light of Govt. transport

mandate of 2019, they aim to build 25,000 new units that are

reforms.

affordable for an average Canadian resident. 1. The party is eager for all public ground transportation with They also aim to improve the real estate with at least 15,000

zero-carbon by ‘2040’.

renovations for the next decade. It’s their aim to pursue the

2. A Re-investment in rails and increasing the train speed for

Govt. to legislate housing as the fundamental right of all

faster commuting

Canadians. Appointing a minister for housing for the National

3. Introducing electric cars by the year ‘2030’.

housing strategy that looks insights into more resources for

4. Investments in national grid allowing vehicles to travel

housing co-ops.

across Canada. 5. An exemption of all electric and zero-emission vehicles

4. IMMIGRATION REFORMS & POLICIES:-

from Federal Sales Tax.

Canada is a country where immigration is given huge importance & immense weightage in terms of the ironic

These transportation measures given as a mandate from

policies and annual immigration applications. Green party

previous year is a sure proof of the efforts that Green Party

agenda and mandate is to increase the immigration targets

has promised to do for the sake of transportation and

especially to areas with unfilled job vacancies.

commuting. They want easy, reliable and faster commuting for the general public ensuring a safe and secure transport

Their agenda also illustrates that there is a need of getting rid

system. A highly effective one covering most parts of Urban

of the ‘Safe Third country agreement. ‘Hence, the party is also

and rural Canada in terms of connectivity.

W W W. M B E F O RYOU. C O M

MBE BUSINESS MAGAZINE APRIL / MAY 2020

37


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MBE BUSINESS MAGAZINE APRIL / MAY 2020

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RESTAURANT POS, Its Applications & its Benefits to Clients

DIGITAL MEDIA MARKETING MB Enterprises

Restaurant POS is a key innovation in modern Point of Sale

For Example, if you go to a Coffee Shop in downtown, after

systems giving new and deeper charms to the restaurants

selecting your coffee, the attendant will ask you are you

and Hospitality industry. The restaurant POS systems has

paying by cash or card. If you say I will pay by card, you will

shown lately how to impress the clients with POS Technology

have to insert it in the card reader and your payment shall be

giving those cashless and safe transactions that are expect-

deducted. As easy and hassle free way of buying a coffee

ed.

using the POS.

Hence, it also gives a fair statement that restaurants are not

Some of the key features in the integrated POS systems are;

lagging behind in any race with the Retail industry. There are

• POS Hardware

many benefits associated with POS technology in restau-

• Mobility

rants. Its customer experience that is distinguished and

• Reporting & Analytics

extraordinary in terms of the facilities usage and combining it

• Inventory Management

with an exclusive guest experience.

• Labour Management • Gift & Loyalty

WHAT IS RESTAURANT POS? Restaurant POS are just like the traditional POS systems

IDENTIFYING THE BUSINESS BENEFITS OF ‘POS’:

where a customer makes a payment for their goods and

Identification of the business benefits of POS worldwide are

services. There are similar features in Restaurant POS that

mainly enjoyed by the operators in the restaurant business.

includes payment terminals, touch screen, POS hardware

From the business Point of View Restaurant POS holds

with variety of features and functionalities and POS software

significance in Marketing, operations and service delivery.

options.

The benefits are in terms of expansions in Business strategies especially in Canada, a highly strong and stable

In today’s fast paced POS Systems environment the restau-

country in technology.

rant POS plays a bit different role. In today’s environment it is known as the restaurant point of service, as it is not just

The benefits are highlighted below;

about processing sales, its giving a full and satisfactory

1. Exceptional Guest Experiences:

service to the customers.

In today’s world of business everything relates to dynamic and improvised customer services. A truly enriching customer

HOW RESTAURANT POS WORKS?

service experience means your customer satisfaction is high

Restaurant POS is an essential entity that is associated with

and your customer liked the experience of ‘restaurant POS’

the food and beverage operators especially for the ones who

that’s is a bit different as it makes you feel more important as

want to give a highly acknowledged guest experience. It

a guest. In other words making exceptional guest experienc-

keeps control of the costs of business operatives i.e. clients,

es.

and also grow their revenues and profitability options. 2. Centralized controls of menus and promotions:

44

MBE BUSINESS MAGAZINE APRIL / MAY 2020

W W W. M B E F O RYOU. C O M


The restaurant POS very intelligently gives you some unique

6. Mobility:

experiences. As a customer/client you will have controls of

Driving your success from anywhere and anytime. Such a

menus and promotions and you can easily select from what

system offers advantages that includes improvements in

you want with detailed descriptions of the food items.

order accuracy as well as fast service.

3. Kitchen Systems to Maximize The Quality Of Foods & Its

MBE IN THE HOSPITALITY INDUSTRY & POS SYSTEMS INTEGRATION:

Accuracy:

MBE has stepped into the hospitality industry since 2019

These days there are highly maintained, updated and

after the acquisitions of Senator Hotel and Algonquin Inn. The

synchronized Quality of food and accuracy systems linked to

aim of the business in the hospitality industry is promoting the

the POS environment. A key feature in smart food technology

tourism industry and marketing its operations in the 4 Hotels

and complying with the ‘Quality Assurance’ procedures.

that MBE owns.

4. Data To Help You Make Money & Save Money:

MBE aims to be one step ahead in terms of technology as MBE POS is a highly established company and a key entity of

Make considerable amount and savings by being smart in

the MBE Group of companies.

making decisions through POS systems analytics. It’s your restaurant POS that have details of all the transactions taking

SELECTION OF THE RIGHT RESTAURANT ‘POS’:

place. Making money can be easier as it gives better and

Selecting the right restaurant POS is more meaningful for the

profitable options worldwide.

business operatives than investing huge amounts in restaurant POS systems. It’s not only critical in running a smooth

5. Loyalty To Maximize Revenues:

operation, but it also tells the business operatives very clearly

Providing loyalty offers is a must as loyalty will definitely help

what services they need and what services can be ignored.

in customer retention. Most people going to restaurants are members of at least 1 restaurant loyalty program, especially in the USA & Canada.

W W W. M B E F O RYOU. C O M

MBE BUSINESS MAGAZINE APRIL / MAY 2020

45


INTEGRATED

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Success Ideology: 5 Habits Most People Always Practice DIGITAL MEDIA MARKETING MB Enterprises Successful people are always in

what successful people keeps on

ANALYZING PAST TRENDS & PERFORMANCES-

compliance with some habits that are

doing as a habit that is one of the

LOOKING FORWARD:

a necessity for their success and later

most desired approach. Why consis-

Making analysis of the past trends

for the maintenance of successful

tency in approach is important? One

and performances is a useful measure

growth agendas. It’s not always about

of the key reasons behind this is to

for attainment of targets. Your goals

work, it’s about becoming a personali-

maintain your position in business or

are a set of targets that are highly

ty of success through constant hard

company, triggering your sense of

defined and it’s important to analyze

work and consistent implementation

achievement and also your sense of

and strategize how to move forward.

strategies.

opportunity and clarifying your goals and visions in your own eyes.

The set of habits that successful

What affected your business and your business goals in the past is critical for

people mostly adopt for a successful

If you are a successful businessman

you time and again. This is important if

growth are as follows:

or a tycoon, having a budget for the

you are a successful personality and

current year will always keep you

your habits are defined for your

SUCCESS PLANNING- DEVELOPING A CONSIS-

aware of the expenditure. A budget

success generation.

TENT APPROACH:

holds deep significance regards to

Consistency through planning is the

what you want to save and how much

What is Performance Evaluation? A

attribute of the most successful

you shall spend. It is the best means

very precious question that every

people especially leaders, entrepre-

to cut down your spending and

successful man must ask to

neurs, and visionaries. Planning

making useful forecasts for future

themselves. It is hugely important to

according to your set of targets is

expenses.

make a good trends analysis so that

48

MBE BUSINESS MAGAZINE APRIL / MAY 2020

W W W. M B E F O RYOU. C O M


you know how much to improve and

keep refreshing them for future

DESIGNING A ‘PERSONAL EFFECTIVENESS’

what to expect next. Successful

agendas.

PROGRAM.

people are mostly concerned with how

As part of the personal effectiveness

their habits are affecting their profitabil-

EXERCISING HABITS FOR MOTIVATION- AS

program successful people should

ity, and mainly this is why they are so

SUCCESS HABIT:

always look for their success formula.

successful as well as careful in terms

Exercise e.g. jogging on a consistent

This formula largely depends on what

of their output levels.

basis or walking with your dog or

suits you, how impactful it can be and

alone is always a thought processing

how to formulate a strategy for

MAKING IMPLEMENTATION STRATEGIES-

act. It energizes you, increases your

success. As successful people have

REVISING FUTURE AGENDAS:

motivation levels, and releases your

already tasted success it makes them

Implementation strategies are the

stress from workplace tensions or

experienced enough to know what

formulation of strategies important in

business challenges. Exercising

works well for them in terms of

making success a habit. Successful

regularly is a habit of the most

profitability options.

people must keep on making

successful, as in this way they are

implementation strategies as they

energizing themselves to work longer

Finally, it’s the combinations that they

need to be practical in their personali-

as well as longer hours.

are looking for, as combinations

ty development measures. Why we

usually don’t fail you. In a personal

need Implementation strategies? A

Making exercise a good and consis-

effectiveness program your growth

question that most individual should

tent habit also gives you sense of

strategies are the utmost priorities

ask themselves. Such strategies

achievement and gives you time to

due to your past successful experienc-

makes a person or a business man a

re-think and gather your thoughts

es.

responsible identity of success. How

accordingly. Whether you want to

implementation strategies keeps on

devise a business strategy, think for at

Some people usually prefer not

changing? For Executives and

least half an hour for any business

relying on luck, rather than what has

Businessman? Another key question,

feasibility or plan a meeting next day.

suited those most often. As an

and the answer lies in the circumstanc-

A regular exercise or a regular walk

example personal effectiveness

es that can vary according to

will definitely give you a clear mind to

depends on how well you have gelled

business, or a job in other cases.

move forward. For successful people

with your success combinations.

making exercise becomes a habit as For successful people making

they should have a positive energy to

Factors that influence Personal

implementation strategies is like

wipe out the negativity and move with

Effectiveness vary from individuals to

fueling yourself for the future, redefin-

a vision for growth. As individuals we

individuals and also according to the

ing your goals and visions and

must all develop exercise as a

success levels that they have

formulating success agendas. Your

common habit to move ahead from

attained.

energies shall never be wasted if you

others especially the competitors.

W W W. M B E F O RYOU. C O M

MBE BUSINESS MAGAZINE APRIL / MAY 2020

49


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MBE BUSINESS MAGAZINE APRIL / MAY 2020

51


LIFE INSURANCE:

6 Reasons of Policy Denial by Companies DIGITAL MEDIA MARKETING MB Enterprises

This article lists down the top 6 reasons why life insurance is

possible unless you have worked with specific insurance

not acceptable by a life insurance group. These reasons

companies.

includes health issues, participation in high-risk activities, specific financial reasons, filed for bankruptcy, DUI, and

3. SPECIFIC FINANCIAL REASONS FOR LIFE INSURANCE DENIAL:

having a criminal record.

The need for financial justifications is a big financial reason for a decline in life insurance by a company. In simple words

1. HEALTH ISSUES- A CAUSE OF LIFE INSURANCE DECLINE:

there is an intense need for financial justifications that a client

The life insurance is normally declined by an insurance

must provide in order to move forward. The insurance

company because of health issues. As an example if

companies makes sure that the client is financially not weak

someone is at high-risk of life and suffering from a disease

and have all the reasons to apply for a life insurance policy

like Cancer. Hence, ironically the Life insurance company

i.e. highly justified.

risks are increased and that’s another reason why companies don’t think it’s worthwhile.

The qualification for the client also depends on the earnings per annum. As an example we can say that somebody who

For this particular reason i.e. involvement of high risk the

has an annual earnings of $25,000 per annum would most

person might have applied with the wrong company.

likely not qualify for $1,000, 000 life insurance policy. These are calculations for the Insurance companies and insurance

The best solution is to have a high-risk life insurance agent

companies know how much a client can qualify for keeping in

who can provide with an insurance company that is willing to

mind their earnings. Earnings play a huge part as they mean

give an insurance on such a high risk to life. However, this is

financial security for the client.

possible as companies are willing to move forward with those who can give an insurance on health risks.

4. FILED FOR BANKRUPTCY: If a client has filed bankruptcy due to a loan or they can’t pay

2. PARTICIPATION IN HIGH-RISK ACTIVITIES- A LIFE THREAT:

a mortgage payment, in this case the financial circumstances

Participation in high risk activities is a huge reason why

are overlooked by companies. Usually there are a huge

companies deny life insurance. As an example a simple case

amount of companies that will deny the life insurance policy

is that while most companies insure scuba divers. This

straight away due to bankruptcy being filed. Here the risks are

depends on the type of diving that you do i.e. (open water vs

high and high risks means less financial security. The word

cave diving). The other factors that some insurance compa-

‘Financial Security’ is the key for finding a solution that is

nies will not insure you if you are a scuba diver are as follows;

good enough for Insurance companies.

the amount of time you dive a year, how deep you dive & where you dive.

5. ISSUES ASSOCIATED WITH DUI (DRIVER UNDER THE INFLUENCE): Having a DUI i.e. driving under the influence is a negative

Other set of people are actively deployed military personnel

record and hence can have a negative impact on the life

who had a hard time getting approved. This cannot be

insurance policy of the client. Having more than three DUIs in

52

MBE BUSINESS MAGAZINE APRIL / MAY 2020

W W W. M B E F O RYOU. C O M


the last 10 years, every insurance company would decline

client last convicted, when did his conviction expired, and

your life insurance policy. Having at least 1 or 2 DUI’s in the

finally how many convictions was he under since last 2 years.

last 10 years means some insurance companies will decline

Based on these checks the client might get an insurance

you while others will not.

coverage depending how long ago the probation ended. However, coming in such a category it’s better to work with a

Having applied with DUI it is most possible that the client has

high-risk life insurance specialist.

probably applied with the wrong insurance company. MBE INSURANCE- POLICY FRAMEWORKS: If you are someone who is a drug abuser or alcohol abuser,

Since MBE Group is a company based in Canada, MBE

this is most likely that you will be declined. The most promi-

insurance works according to the Canadian rules. Hence,

nent reason for this are the risks associated, and these risks

similar procedures are followed that relate to Life Insurance

are risk of an accidental death. On a conditional basis some

and its risks.

companies can give the client an insurance offer. This is only if the client has stopped drug abuse since last 3 years and no

MBE Insurance also makes sure that their prospective clients

abuse of alcohol since the last 2 years.

are worthy enough according to the risk assessment procedures.

6. HAVING A CRIMINAL RECORD: To have a life insurance policy it is important to have a clear CRB i.e. Clearance from Criminal record bureau. Having a criminal record means that the client can be under life threat. The authority to have a life insurance policy is not safe and finally he is not fit to have a good character reference check that is a necessity. However, there are conditions which means when was the

W W W. M B E F O RYOU. C O M

MBE BUSINESS MAGAZINE APRIL / MAY 2020

53


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MBE BUSINESS MAGAZINE APRIL / MAY 2020

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Top 9 ‘SEM’ Tips For Small Business Owners

DIGITAL MEDIA MARKETING MB Enterprises

Small businesses especially online

invest and what sort of investments

procedures and will give you huge

businesses rely heavily on online

you are looking for is a necessity for

mental strength to fight your business

marketing tips and the reliance is

the sustainable part of your business.

challenges. ‘Marketing’ is a very

because of the amount of online

powerful tool and can be used

marketing these days. Every small

The vision needs to be clear not only

effectively for a successful business or

business is active in SEM marketing

due to the fact that the business is

a failed one. Similarly SEM or search

strategies for launching their products

relatively small and new but the

engine marketing holds importance for

online and marketing. What small

budget is also limited. The budget

online marketing strategies.

businesses needs to do for smart

must be figured out according to the

SEM strategies. Here are the nine tips

industry you are investing in, the

The planning of your objectives must

that are necessary;

target markets and the ROI or Return

be measurable with set time frames. It

on Investments it will give back.

is necessary to know your numbers

1. BE CLEAR ON EXPECTATIONS & BUDGET:

and adapt when necessary and

Having a clear insight on the expecta-

2. MEASURE EVERYTHING & REVIEW FREQUENT-

tions and budget is a necessity. As the

LY:

scale of the business is small and

Measuring everything and reviewing

3. BASE YOUR STRATEGY ON DATA, NOT A

requires investments in all business

what you are doing on a frequent

HUNCH:

segments. It is necessary indeed to

basis will make you a careful business

For every strategy if its business,

evaluate your business strategies.

owner. As part of the SEM strategies

corporate strategy or marketing

Having a clarity of your business

for business owners measured steps

strategy there should be an involve-

expectations, how much you need to

will improve the quality assurance

ment of data i.e. historical data or

56

MBE BUSINESS MAGAZINE APRIL / MAY 2020

frequently.

W W W. M B E F O RYOU. C O M


stats. To know which strategy will be

engine marketing plan should be

specific in your SEM. Content is the

successful it is necessary that you test

unique and it should make you stand

key and as a business owner you

it and back it up with data. The testing

out from the crowd. You should know

have to make sure that the words you

is most important part of the strategy

what your competitors are good at and

are targeting are actually being

framework than comes the evaluation

how they can enable their targets with

searched on. After you have your

and finally you can let your customers

ease. As SEM is different from other

target words you should create

to tell you what works best. You will

marketing, strategies can change, but

content for each one specifically.

have a variety of business strategies

the goal must still be the same i.e.

available.

better customer understanding.

4. REMEMBER YOU ARE NOT THE CUSTOMER:

6. BUILDING A COHERENT STRATEGY:

focus on your Top ROI products and

Always think positive before your SEM

Defining your target audiences means

services. It’s all about brand stories

plan as thinking is good but thinking

you must be clear in making strategies

and emphasis of brands linked with

without evaluation can lead to losses.

for a certain target market. Identifica-

brand significance i.e.’ WHY YOUR

These are because of being a small

tion of your customer needs and what

BRAND?’ This sort of marketing

business owner the responsibilities

motivates them and knowing your

strategy will definitely make the

are highly scattered. You have to think

products. How the products can solve

customer think more about your brand

for the customer remembering that

your needs better than the competi-

and the ‘WHY’ element.

you are not the customer.

tion. It is necessary to give importance

8. PRACTICE 80/20 CONTENT MARKETING: 80/20 Content marketing will definitely

Your role should be to please the

to relevancy of keywords for SEM

9. USE KEYWORDS THAT SPEAK TO YOUR CLIENT

strategies.

PERSONA:

customer in every way. Keeping an

The personality of the client while

eye on ‘customer satisfaction’ while

For website optimization you have to

designing the key words is a specialty

making profitability is an approach of

think from the perspective of your

particularly in SEM. You have to ask

smart business owners.

customers, i.e. how they would be

yourself some basic questions e.g.

thinking when searching for your

WHO are THEY and WHAT Do THEY

products.

NEED TO HEAR? This sort of

5. UNDERSTAND THE COMPETITION: Understand your competition and your

marketing is hugely popular as known

competitors in a completely different

7. WRITING CONTENT FOR THE RIGHT

as customized SEO marketing. The

way. Having a competitor’s strategy

KEYWORDS:

client is the key focus while develop-

will always align your goals and

Writing the right content for the

ing a winning strategy.

broaden your horizons. Your search

keywords means you are more

W W W. M B E F O RYOU. C O M

MBE BUSINESS MAGAZINE APRIL / MAY 2020

57


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W W W. M B E F O RYOU. C O M

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MBE BUSINESS MAGAZINE APRIL / MAY 2020

59


CANADA’S OBESITY: A CHRONIC DISEASE

Instead Of A Lifestyle Issue DIGITAL MEDIA MARKETING MB Enterprises

Obesity is a big issue especially faced in the North American

diabetes awareness on a global level, heart diseases and

region due to the obese environments, fatty foods, busy & fast

other obesity related diseases and illnesses. The motive of

routines and uncontrolled diets. In Canada it has been seen

the study ACTION similar to its name significance means

as an alarming indicator for future health issues, problems

taking immediate actions for health issues, getting remedies

that relates to being overweight and lack of maintenance of a

for obesity problems and finally the best treatments and

proper lifestyle. However, most health and fitness researchers

diagnosis. Once people are self-motivated, they can easily

and diet experts believe that it’s a chronic disease instead of

encounter their obesity problems with a deeper understand-

being a lifestyle issue.

ings of their lifestyle. Why lifestyle matters? A very common question amongst people living in an obese environment. It

According to a survey conducted in Canada, more than

relates to everyday eating habits, regular exercising i.e. gym

one-quarter of Canadians are obese. It’s because of their

activity or increasing the fitness levels. A busy lifestyle at work

eating and dining habits, and furthermore, obesity is consid-

means obesity can come because of eating habits and can

ered as a complex, multifactorial and a progressive chronic

be controlled through regular exercises, walking and medita-

disease. A huge amount i.e. 63% also believes that people

tion activity.

with obesity issues can manage their weights through their mindset and regular mental and physical exertions.

A NEED FOR GREATER EMPLOYER SUPPORT: Employers in Canada need to treat obesity as a chronic

Motivation is the key in reducing the levels of obesity and how

disease and move it out of the lifestyle category. A report

fast can an obese person get closer to his/her original fitness

based on a survey of 2000 people with obesity, 395

levels. A huge 72% of health care providers believe that

health-care providers and 150 employers. Hence, the thing

people with obesity are not motivated enough to manage

that is highly needed is an access to other treatment options

their own weights. However this report was conducted by

i.e. for effective weight management, e.g. paying for the

ACTION i.e. Awareness, Care, and Treatment in Obesity

medications, and additionally paying for psychology for obese

Management Study. The motive of this study is to create

people, research, support and health-care, and diet care

awareness on a global scale, treatments and a complete

specialists.

management of Obesity with timelines. In the first and foremost instance moving it to the category of HOW MOTIVATION CAN CREATE SELF-AWARENESS:

chronic diseases will definitely have a psychological impact

‘Motivation’, a word very commonly and significantly used in

on the mentality of most obese people. Hence, that will

creating self-awareness in weight loss treatments. Either you

definitely help them in breaking any mental barriers and

can motivate yourself or an awareness can be created

effectively using the employer’s support in combatting issues

through awareness programs similar to that of the study

of obesity.

called ‘ACTION’. Preference in walking to their workplaces, cycling or immediThis is through specialists that are linked with creating

60

MBE BUSINESS MAGAZINE APRIL / MAY 2020

ately going for an exercise from their workplace. A greater

W W W. M B E F O RYOU. C O M


employer support will also help in creating an environment of

later. Similar BMI Checks are also done by practitioners and

change for the employees, and convincing them mentally that

health-care providers to turn to weight loss solutions for their

fitness levels will make them more happy and motivated at

customers.

the workplace. Many health-care providers strongly recommend that diet and Another survey shows that a huge 77% say that their

exercise is the best treatment with quick results. Good

wellness programs contribute to a successful weight manage-

motivational books on the subject of weight reduction through

ment. This is a sharp contrast to the perspective of people

diet are the ones that shall influence the readers in being

with obesity i.e. 32%.

smart weight watchers.

AN INDIVIDUAL’S RESPONSIBILITY FOR A HEALTHY LIFESTYLE:

Exercise acts like the best medicine in reducing the weight

The responsibility of an individual in this regards is collective-

levels and acting smart accordingly to the demands of the

ly more important than the employer’s support regards to

society. Very few people think that medication works best in

their weight management program. ‘Weight management’ is

reducing the weight for obese people. However, there are

part of a healthy life style and awakening of smart measures

more people who think that exercise and a healthy diet is an

while working 9-5 or working for your own business.

essential aspect in attaining best and longer results. Fitness is not only a personal responsibility, it should be a collective

An individual’s responsibility must strictly adhere to their BMI

responsibility for a better & prospective tomorrow.

i.e. Body Mass Index checks at a regular basis to make sure that they get into the ideal weight category sooner rather than

W W W. M B E F O RYOU. C O M

MBE BUSINESS MAGAZINE APRIL / MAY 2020

61


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MBE BUSINESS MAGAZINE APRIL / MAY 2020

63


VICTORIA DAY – CANADA & THE LIFE OF QUEEN VICTORIA DIGITAL MEDIA MARKETING MB Enterprises The Victoria Day shall be celebrated

‘VICTORIA DAY’ & ITS SIGNIFICANCE TO

Capital city is associated in Canada

in Canada as an official holiday on

CANADA:

from Queen Victoria. The City

the 18th of May 2020. It is a day

Queen Victoria was officially the first

‘Regina’, i.e. the Capital of Canadian

celebrated on the birthday of Queen

Queen of Canada who was on the

province Saskatchewan. ‘Regina’ is a

Victoria who ruled United Kingdom

throne when Canada was founded

Latin word meaning: ‘The Queen.’

and the British Empire from

i.e. 1867. Victoria Day is a Canadian

1837-1901.

traditional day and doesn’t exist in

EARLY LIFE, MARRIAGE & THE THRONE:

most of England. However, it is

Known by the nickname as Drina

Her reign of 63 years is marked as

celebrated in parts of Scotland

when she was actually a little girl and

the longest by any monarch when the

especially in the capital city Edinburg

she could only speak German until

record was broken by Queen

and is known as the Official Holiday.

age 3.

Elizabeth II in September 2015.

This is a legal Canadian official day

The British Monarch kept her seat on

means the day is also observed in

The Queen in 1840 i.e. at the age of

Quebec.

16 married Prince Albert in a family

the throne for approximately 63 Years,

affair. The prince was her first cousin

216 days. She was born in 1819 and

However, the idea of how to honor a

i.e. the father of Prince Albert was

Canada has been celebrating this

British monarch doesn’t apply to the

actually her mother’s brother &

arrival of Queen Victoria in the world

province Le-Belle where the day is

belonged from Saxe-Coburg and

since the holiday was declared in the

less significant and known by another

Gotha.

country in the year 1845. Also,

name. Similarly in 2003 the day was

became a legal off day i.e. an official

renamed as National Patriots Day in

‘The Queen’ officially took over the

holiday after the death of the

Quebec i.e. ignoring the Queen

throne in 1837 and it happened after

Monarch in 1901. The times of the

reference.

the death of William IV. The age of

rule of Queen Victoria marked with

the Royal Queen was just 18 years

many historical events and up’s and

The Capital City of province British

old. She was known as a strong and

downs and is known as the ‘Victorian

Columbia, Victoria is yet another

imposing figure as has been

Era.’

significance that relates to Canada

portrayed historically.

from the Royal monarch. Another

64

MBE BUSINESS MAGAZINE APRIL / MAY 2020

W W W. M B E F O RYOU. C O M


Since the death of Prince Albert i.e. the husband of Queen Victoria in Dec 1861, the Queen has been portrayed by many actresses in films and theatre as wearing black outfits which displays the state of mourning and shock she had been into after Prince Albert’s death. ASSASINATION ATTEMPTS ON THE LIFE OF QUEEN VICTORIA: A personality who witnessed 6 assassination attempts. The first attempt happened in the year 1840 by an 18 year old whose name was Edward Oxford and happened in London. Two years later another attempt on the life of Queen, when a man named John Francis fired a gun at the carriage but missed. Just about after two months another attempt happened i.e. the third attempt. John William Bean actually fired an ammo that was made from tobacco and paper and was fired on Queen Victoria, however she survived. The fourth attempt happened in 1849 when William Hamilton, an angry Irishman fired a pistol at her carriage. Victoria was living close and living proof of the fact that if you stay around in politics long enough, you are bound to make many enemies. In 1850, happened for the fifth time i.e. the Fifth attempt when an ex-army officer hit her with his cane, his name in history books is Robert Pate. Lastly, and incredibly the 6th attempt happened in 1882, the name was Robert Mclean who tried to kill her but his bullet missed her fortunately. FROM QUEEN TO MOTHER AND GRANDMOTHER: Everything happened at a fast pace in the life of Queen Victoria similarly she became grandmother at a very young age i.e. 39 years old and a great grandmother 20 years later i.e. at the age of 59. She was not only the Queen of England and British monarchies, she was also a mother of 9 children. She suffered a major drawback of living a long life, and it was tragic of her to have outlived three of her children. A FAMOUS PERSONALITY IN BRITISH HISTORY: According to a BBC Poll, Queen Victoria was named the 18th Briton in a BBC Poll in 2002. Winston Churchill former Prime Minister of Britain during World War II took the number 1 position. Princess Diana was number 3, William Shakespeare #5, John Lennon #8 and Queen Victoria was followed on the list by Paul McCartney. She also became the only British Monarch in the modern music history whose name was honored.

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Forests Sustenance & Collective Action with World Economic Forum

DIGITAL MEDIA MARKETING MB Enterprises Forests accounts for a huge part of our environment i.e.

The forest management is highly committed in developing a

approximately 30% and there holds an intense need for

range of technologies that are intensely needed in this

collective action towards forests sustainability. It is valuable in

modern era. These technologies are now highly enhanced

terms of the ecology, the geographical aspects & the wild life

and committed in combatting issues related to supply chain.

sustainability. With collective action this trend can be reversed

The ‘Radar Monitoring’ a modern part of the technological

as part of the ecological aspects. There needs to be immense

advancements is highly enhanced and holds huge success

awareness action towards the sustainability of forest

levels for forest sustainability aspects. Motive is safety of

reserves.

humans from the Wild life activity and making business operations easy and secure.

The organization ‘WEF’ has played its agenda in the form of awareness measurements. There have been campaigns and

The use of technology has been highly significant in combat-

meetings as it has been the role of WEF since 1971.

ting issues of deforestation as well i.e. another climatic hazard. ‘We NEED Forests’, is the new slogan of ‘WEF’

Supporting the livelihood of many people, as according to the

demanding significant changes in the environmental sustain-

stats from World Economic Forum the count is close to

ability. Technology has helped companies especially the Palm

approximately 1.6 billion people.

oil and consumer goods firms in the projects. The companies are Bunge, Cargill, Golden Agri-Resources, Mondelez, Musim

THE ROLE LATEST TECHNOLOGY IS PLAYING FOR DEFORESTATION:

Mas Group, Nestle, PepsiCo, Sime Darby Plantation, Unilever

The role technology is playing is regards to the safety

and Wilmar. All companies are the consumers of Palm oil i.e.

measurements from Wildlife attacks, monitoring the forests

a national reserve in the forestry ecology system.

according to the international monitoring laws, deforestation and creating a change environment regards to safety

THE CHALLENGES FACED TO COMBAT DEFORESTATION:

especially for those working in the forests e.g. forest officers.

The last decade has been challenging, however, companies

Higher resolution images are used for monitoring initiatives

have tried best to limit the use of deforestation in recent

covering a wide area of activity and penetrating cloud cover.

years. However, there are still companies because of whom

The data in form of pictures and other stats can be seen

deforestation numbers still exists. There have been significant

publicly through online monitoring service Global Forest

measures by leading brands e.g. Nestle, Mars, Unilever, and

Watch. The role of technology holds huge significance

Wilmar. There have been substantial efforts that have seen

regards to;

the removal of deforestation from these companies Supply chain. The efforts are huge especially as part of the environ-

1. Monitoring Wild life movements

mental sustainability and monitoring the activities of deforesta-

2. Safety & Security

tion.

3. For the sake of forest management & workers e.g. Forest Officers.

The importance of government action with regards to these

4. Addressing the supply chain activities from forests to the

activities is paramount especially in areas where forests are

cities.

found with abundance.

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EXPANSION STRATEGIES TO SAVE FORESTS:

exciting group activities, cultural values and a huge source of

Why it is necessary to increase and expand forests and save

the scientific knowledge for experts, scientists and botanists.

the natural reserves? Forests have been constantly since ages removing carbon dioxide from atmosphere and storing

The value of a standing forests shouldn’t be on the basis of

carbon for nearly more than 300 million years. By cutting

an economic growth-oriented business, but on a simple

down and burning trees the forest soils gets disturbed

ecological basis. Giving huge importance to ecology and the

releasing huge amounts of carbon emissions into the

multiple ecosystem linked to a single forest. A huge science is

atmosphere. It is since the industrial revolution that most

involved behind the forestry and efforts that are made for

carbon emissions in the atmosphere are due to ‘deforesta-

preserving the natural habitat.

tion’. Hence, the expansion strategy for forests is needed to save forests by increasing the amount of forests in the world.

COMBINED EFFORTS WITH THE ‘WORLD ECONOMIC FORUM’:

The need is climate change and the key to our climate

The agenda of ‘WEF’ is not just about companies making

strategy.

money. It’s also about the consumption of raw material from the forest with a true vision for change. The 'WEF' has also

An expansion strategy aims to save the forests through

linked up its activities with the media at the national and

campaigns, NGOs and international forest organizations

international level. The aim of the organization has been due

activities. The role of media and channels in here means a

to the immense rise of a global need. This need has been

huge acknowledgement to forestry.

since a decade to combat increasing issues of deforestation internationally.

BENEFITS OF STANDING FORESTS TO THE ECOSYSTEM: There is immense value of a standing forest as they play a significant role in prevention of climatic hazards like flooding. They also helps in the provision of natural filtration for drinking water, support to wildlife and balancing the temperatures in winters and summers as well. Also are a source of

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A Mega Rise For Canada’s International Students in 2019

DIGITAL MEDIA MARKETING MB Enterprises Canada, a highly rich and developed country of the North

‘TOP-10’ INT. STUDENTS- THE SOURCE COUNTRIES ‘2019’:

American region has increased in ranks for international

India remains on the Top list of Int. students coming to

students in comparison to their previous figures. The numbers

Canada, as there are many Indians that are settled in

are remarkable and are from a list of countries all over the

Canada since a long time. Amongst the migrants are Indians

globe. Results has been immensely inspiring that Canada

that are well settled in Canada, doing their businesses in

has moved to number 4 as the most favorable place to study

different fields, and working in various sectors for the Canadi-

after the US, U.K and Australia. This has been primarily due

an economy. Some prominent Indians are also there in

to the standards of Canadian education, research, and a

politics in Canada making it a nation with diverse nationali-

better infrastructure than before.

ties.

A high tech academic environment with the involvement of

According to the stats from IRCC the numbers are incredibly

latest technology and infrastructure. The Top Universities in

huge i.e. 35% of the total population coming to Canada in

Canada includes University of Toronto, McGill University,

2019.

University of British Columbia, McMaster University, University of Alberta, University of Waterloo, University of Calgary,

These demographics in favor of the Indians shows the

and University of Montreal as the Top Canadian Universities

strength of Indian communities residing and very well settled

in 2019-20.

in Canada. The next in the list are Chinese with 85,000 student visa entries in 2019. This is lesser in amount and

Stats has shown that most students are arriving from India,

percentage to India i.e. 21%. After India and China, the third

China, South Korea, France, Vietnam, Brazil, Iran, Nigeria,

in the list of most students coming to Canada are from South

the United States, and Japan. Another breakthrough year for

Korea i.e. 4% (17,000 study permit). The other countries in

Canada for Int. student’s recruitments as the country has

the Top 10 list but with far lesser study permits are France,

approved 404,000 new study permits from figures of last year

Vietnam, Brazil, Iran, Nigeria, the USA, and Japan.

i.e. 2019. A significant improvement since the last year, showing huge progress by 2020. A study permit is an official

WHY INTERNATIONAL STUDENTS ARE COMING TO CANADA?

document that is issued by the Immigration, Refugees and

Canada the second biggest country in the world is 4th largest

Citizenship Canada (IRCC) that allows the foreign nationals

international student population in the world behind the

entry into Canada and studying and working under the rules

United States, the United Kingdom, and Australia. This has

set by the country and those applicable in the universities.

increased since last few decades because of improved educational standards and the inclination of international

The freshly released study permit approval data strongly

students because of higher work standards as well.

suggests that the population has now exceeded 600,000 and it’s an incredible amount as compared to 2009 figures

A research was conducted by Canadian Bureau for Int.

200,000, i.e. almost triple. Why Canada is increasing in

education, the international students are attracted to Canada

numbers and ranks for international students? An answer

and the main reason behind this is proved quality standards

everyone is looking for.

by Canadian Universities and colleges.

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Canada now enjoys the reputation of being an open and a

Hence, after the three years Post-Graduation period the

welcoming society for people from all across the world

candidates who initially came on student visa can apply in 80

entering its borders. The currency value is yet another factor.

economic class immigration programs. These programs are

Hence, the expenses that are incurred in Canada i.e. living

offered by the federal govt. as well as provinces and territo-

and food are affordable in comparison to that in other top

ries. All programs have a different nature and many of them

destinations. The international students also pay higher tuition

give preference to the former international students in their

fees than the Canadian students, therefore, making education

selection criteria. The research has also shown that the

more approachable and affordable for international students.

former international students have higher integrations and adaptability into the Canadian economy.

A research has also shown that Canada’s biggest advantage is the study-work-immigrate package. The international

In the upcoming years as the Global population for Canadi-

students in Canada have more eligibility to work as compared

ans students have increased it seems that Canada is

to other top destinations and this is an advantage for the

becoming a highly attractive study spot for students. It is also

economy.

expected that the intake of int. students will experience solid gains in the upcoming years.

International students as soon as they complete their education can obtain a Post-Graduation Work Permit. This helps the students in gaining more Canadian work experience and then they can also decide which category they can move into. The Post-Graduation period lasts for three years, and this gives ample time to students to have a placement in their respectable profession.

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