Reveal Niagara - Business Magazine - Vol. 2 | Issue 3

SEPTEMBER 2021 |

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NIAGARA BUSINESS MAGAZINE VOLUME 2 | ISSUE 3

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September 2021

Vol. 2, Iss. 3

10 NIAGARA NOW Fall 2021 The delayed reopening continues to place financial pressure on businesses and organizations

Robertson Theatre (Bob Magee), Performing Arts Centre, St. Catharines

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The fall season is upon us, and while many cannot wait to reach for that cozy cardigan, open the windows to let the fresh air in and indulge in a pumpkin spice late, the rest of us are still relishing in our shortened summer season.

In our Niagara Now update, we share timely insights into the economic state of our arts, culture, entertainment, and recreation segments, as well as how the last 18 months has impacted our not-for-profit sector and how as a community, we can better support the needs of our more vulnerable citizens.

From an economic perspective, the re-opening has brought forth much relief to business owners across all industries, however, it also comes with exasperating challenges related to staffing, transportation, and meeting supply and demand. Although we have progressed forward with re-opening, there is still a very tough and long road ahead for all businesses and industries to rebound. As you are out in your community, whether shopping, eating out, or working with various service providers, it is important to be mindful and cognizant of these difficult times. Most people are doing their best with what they have and are grateful for the opportunity to serve you. This is a time to show patience, kindness, and appreciation to one another and together our community will prosper.

With the 2021 Federal Election upon us, we cannot help but acknowledge the critical challenges our country is faced with as we have endured more than 18 months of pandemic response. While we at Ownera remain a non-partisan organization, we urge our business leaders and community members to seek as much information as possible to support an informed, personalized voting position.

As we continue as a community to navigate through to recovery, a resounding theme of connecting, reconnecting, and engaging with one another remains prominent. The strength and prosperity of Niagara is truly reliant upon its business community. We hope that you enjoy this latest issue, and we wish you continued safety and wellness.

Sincerely,

Rowe & Brandy

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SEPTEMBER 2021 |

NIAGARA BUSINESS MAGAZINE Volume 2 • Issue 3

PUBLISHERS Rowe Prudente Brandy Henderson

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With Niagara’s ever-changing economic landscape, it is critically important to deliver highly relevant and engaging content to the businesses here while connecting the leaders of today and tomorrow throughout the region. It is out commitment to be the leading platform that delivers meaningful, effective and thoughtprovoking content, both internal and external to our community. We are proud to empower Niagara by bringing you this regional B2B publication, offering vital information for your business and the latest information impacting our Niagara community.

on the cover

CHIEF EDITOR & CREATIVE DIRECTOR Rowe Prudente MANAGING EDITOR Brandy Henderson TECHNOLOGY PARTNER Julio Batres-Gavidia, BRRiJ Solutions Inc EXECUTIVES Adam Shields Paul Prudente MEDIA CONSULTANTS Brian Fletcher brian@owneragroup.com 905-380-4005 Olivia Riemer olivia@owneragroup.com 519-993-0285 Jacqueline Sieber jackies@owneragroup.com 289-686-5540 PHOTOGRAPHY Julio Batres-Gavidia Darren Clarke PAC St. Catharines Stock Photos @unsplash

WRITERS Brandy Henderson Erin King Jon Edgett Olivia Riemer Waaiz Ansari Brandon Currie CONNECT WITH US

LinkedIn Facebook Instagram

GET IN TOUCH revealmags.com letstalk@revealmags.com Tel: 1-844-922-2790 H.Q. 8-3643 Portage Road Niagara Falls, Ontario Canada L2J 2K8

Photography: Julio Batres-Gavidia

CREATIVE Rowe Prudente Kenneth Ngo

ClaraDerma pg. 29

Reveal Magazine is published by Ownera Media, a subsidiary of Ownera Group Inc. Opinions expressed in Reveal Magazine are not necessarily those of Ownera Media or Ownera Group Inc, their owners, employees or stakeholders. All submitted content inclusive of photography is assumed to be intended for publication. The right to edit, alter or refuse content is assumed. All material and content submitted to Ownera Media for purpose of publication is done so at the risk of the submitter. Ownera Media does not guarantee the accuracy, completeness or timeliness of the information contained in this publication. Ownera Media is not responsible for any products or services of any third-party advertiser or the content in any advertising of such advertisers.

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NIAGARA BUSINESS MAGAZINE

expand your reach O U R M AG A Z I N E S A R E R E A D A N D SHARED IN OVER 103 COUNTRIES

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If you like what we have to share, and would like to be part of the Reveal community as an advertiser, we'd love to hear from you! to find out more, contact us at letstalk@revealmags.com.

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SOMETIMES WE

learn SOMETIMES WE

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CONTENTS the vanguard

travel & leisure cover feature special editorial

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RIGHT NOW: FALL 2021

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ARE YOU READY? FROM TEMPORARY TO PERMANENT STRUCTURAL CHANGES

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INDUSTRY HIGHLIGHT:

RENTAL & PROPERTY MANAGEMENT

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ONLINE TRAVEL MARKET RESEARCH REPORT

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UP CLOSE AND PERSONAL WITH THE FOUNDERS OF CLARADERMA

37 NOTABLES 38

NOTABLES IN CHARITABLE ORGANIZATIONS

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NOTABLES IN CONSTRUCTION

marketing

44 CREATIVES:

IT’S ALL ABOUT THE ASSETS

technology

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health & wellness

48 HEADACHES:

NUTRIENTS, WATER INTAKE AND BALANCE OF BODY 50

SEDENTARY WORK: DESK EXERCISES, MOVEMENT & MOBILITY

finance, real estate, & investment

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MERGERS & ACQUISITIONS STRONG ACTIVITY CONTINUES IN MERGERS, ACQUISITIONS, AND DIVESTITURES

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UNIVERSAL BASIC INCOME FINANCIAL SERIES PART 4 OF 6

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REAL ESTATE AND INVESTMENT LAND DENSITY, DEVELOPMENT, AND A CHANGING MARKET

the edge

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INFORMATION FOR THE NEXT LEVEL OF SUCCESS

leadership

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THE ART OF SITTING: WHERE AND HOW

MY FAVOURITE TECH DO YOU NEED AN APP

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The Alconauts

The Alconauts

We are The Alconauts, ... advancing in our journey to taste the beers that no one has decided to taste before. Join us as we sample beers from around the world and give you our honest opinions. We are looking to try obscure and relatively unknown suds in hopes to find that diamond in the rough that we can all add to our beer fridges. So buckle up, hold on and get ready to blast off into the unknown of the beer universe!

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SEPTEMBER 2021 |

OU R H O M E. OU R N IAGAR A . ٔ

READ US

anywhere.

Read us on issuu

@ revealmags Use #revealbusiness to showcase your favourite local business rockstars!

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THANK YOU TO OUR CONTRIBUTORS Jon Edgett

Partner and Managing Director MNP Corporate Finance

Angela Fuchs

Registered Holistic Nutritionist Nourish the Change

Laura Ip

Founder and Head Coach Underdogs Boxing Club

Meredith Durksen

Modern Health Chiropractic Yoga Teacher & Mental Health Counsellor

Neil Thornton

President The Thornton Group

Are you planning a business event? Are you an entrepreneur? Or do you have a cool story about collaboration or an innovative product or business you'd like to share?

Stephanie Winger Real Estate Agent Vision Realty

Nicole Regehr

Interim Executive Director Gillian’s Place

We love knowing about all the great initiatives happening in Niagara and would love to share them with readers like you.

Pamela Blackwood

Executive Director McNally House Hospice

Amber Hughes

Executive Director Food4Kids Niagara

Contact us at letstalk@revealmags.com pensans

Sarah Pritula

Director Community Crew

Kim Rossi

Director of Philanthropy & Public Relations Pathstone Foundation & Pathstone Mental Health

Suzanne Court

Founder and President RRPC Innovation Foundation

Laura Byers

Managing Director RRPC Innovation Foundation

Andrew Mulder

President Renaissance Landscaping Group Inc.

Steve Schroeder Owner Steve Built Inc.

Darren A. Hendriks

beyond

Vice President Homes by Hendriks

John Simonetti President Glass Inc

the pages...

Find and unlock new updates, content and even contests by interacting with our magazines. We use First step is to scan the QR code here with your camera and follow the prompts. It will reveal which stories and ads are interactive.

Adrian Kulakowsky

let's talk

Owner Rentals 101

Jon De Luca

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Property & Project Specialist Rentals 101

We are a growing company that is eager to support those seeking an exciting career path.

With both local and international opportunities on the rise, we might just be your dream opportunity.

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NIAGARA FALL 2021

by Brandy Henderson & Rowe Prudente

A the vanguard

s we move into the fall season, we reflect on some critical components of how this year differs from all that have come before us here in Niagara. The delayed reopening continues to place financial pressure on businesses and organizations that contribute largely to our key sectors, alongside our non-profit organizations that serve our vulnerable community members who remain under-funded and under-supported while addressing growing needs.

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Niagara’s significant sector is experiencing tremendous financial impact

tiveness for both Tourism as well as Residential growth.

Prior to March 2020, there was an increasingly noticeable energy surrounding the bustling arts and culture scene that was expanding throughout Niagara. From renowned and recognizable theatres like the Shaw Festival and Greg Frewin Theatre to the audience-attracting development investments such as First Ontario Performing Arts Centre ($62M) and the Meridian Centre ($50M), Niagara was attracting more cultural awareness. These organizations and facilities have played a significant role in Niagara’s attrac-

Identified as non-essential throughout COVID-19, the business and facilities that deliver arts, culture, and recreational activities were abruptly halted for the safety and security of our community. This complete shut down has, in turn, left a tremendous financial impact for 2020 and 2021 that has touched many corners of our community. The ability to integrate technology and accelerate digital programming did allow for a continued connection to consumers, however, the true success of this industry is reliant

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upon interaction. The digital integrations, while in some cases offered new revenue streams to subscribers with virtual shows and events, were not even enough to mitigate the substantial financial losses. Preliminary estimates presented by Statistic Canada suggest that operating revenue fell by 50% or more on average amongst these businesses in Canada during 2020.

Earmarked in April 2021 Federal Budget, nearly $800 million was set aside to rebuild this sector, but it must be noted that the recovery time will require significant monetary and time investments as these organizations will be some of the last to return to pre-pandemic operating capacities.

Supporting Canada's Arts, Culture, Heritage, and Sport Organizations and Workers At the core of our physical and mental well-being is an ongoing connection to engage in sport, recreation, and cultural

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If you haven’t already done so, register your business on these directory sites for free!

An interactive map with filters and keyword searches.

A ‘Shop Local’ guide organized by category that spans across Niagara.

St. Catharines | Photography: Darren Clarke

A one-stop solution to connect Lincoln businesses and customers.

An easy to use directory with easily viewable modified hours and services.

A pickup & delivery focused directory designed for your convenience.

A color coded, interactive map organized by service category.

Local essentials currently available that are listed in an easy to navigate directory.

A directory of essential services and modified offerings

Support

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At the core of our physical and mental well-being is an ongoing connection to engage in sport, recreation, and cultural experiences.

►►► experiences. It has been far too long since we, as Canadians, have been able to safely satisfy these very basic needs that we require to maintain a balanced and healthy lifestyle.

The inability to supply and host these experiences has created a severe impact to the tens of thousands of employees that serve in these spaces, especially in Niagara, which has led to many being forced to seek other careers to support their families.

the vanguard

As the re-opening continues, the organizations that directly cater to the arts, culture, recreation, and entertainment needs of our community will be the last of all industries to return to previous capacity levels. This elongated hiatus has placed further strain on revenue forecasts, with many organizations at risk of being able to return at all, and to those who are able to return, expecting a serious shortage in satisfying employment capacity to operate. Multiple facets of support are required to ensure the return of a strong cultural and recreational footprint.

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Federal Budget 2021 proposes to: • Provide $300 million over two years to Canadian Heritage to establish a Recovery Fund for Arts, Culture, Heritage, and Sport Sectors.

• Provide $49.6 million over three years to Canadian Heritage for the Building Communities Through Arts and Heritage Program, the Canada Arts Presenta|

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tion Fund, and the Celebration and Commemoration Program.

Provide $70 million over three years to Canadian Heritage for the Canada Music Fund. This includes up to $50 million to help the live music sector, including music venues, weather the pandemic.

Provide $15 million to Canadian Heritage for the Canada Cultural Spaces Fund to help arts and heritage institutions upgrade their facilities to meet public health guidelines.

Provide $17.2 million to the National Arts Centre to address financial pressures caused by COVID 19 and to ensure the NAC will continue to support artists and celebrate Canadian culture.

Provide $6 million over two years to the National Arts Centre to support collaborations with equity deserving groups to help relaunch the performing arts sector.

Niagara 2022 Canada Summer Games Progress Additional signs of growth relative to Niagara were felt in August 2021. The Honourable Steven Guilbeault, Minister of Canadian Heritage, announced up to $1.1 Million in additional funding for the Niagara 2022 Canada Summer Games. This announcement was made while standing in front of Canada Games Park, located at the corner of Sir Isaac Brock Way and Merrittville Highway in Thorold, where

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construction is expected to be completed by the end of this year.

Canada Games Park is one of two impressive facilities being constructed to fuel the needs of the Niagara 2022 Summer Games, and much like the other venues selected to support the games, will contribute to the overall ecosystem of a vibrant and active Niagara well beyond the future of the games.

The other impressive facility current under construction is the Henley Rowing Centre, which once complete will operate as a completely net zero energy and carbon facility. This facility is also scheduled for completion by the end of this year. This facility will not only host the Niagara 2022 Summer Games, but the upcoming 2024 World Rowing Championships as well.

The Niagara Host Society has worked tirelessly to secure the necessary funding required to address all obstacles and corresponding costs related to unforeseen circumstances, ultimately ensuring the success of the Niagara 2022 Summer Games while also extending its legacy beyond the games.

Supporting Our Vulnerable Communities In times of crisis, our most severe vulnerabilities are often exposed. Throughout this past 18 months, this has certainly been the case in Niagara as we experienced an increase in demand for critical services for our vulner-

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A GREAT COMPANY STARTS WITH

Robertson Theatre (Bob Magee), Performing Arts Centre, St. Catharines

able community members, including but not limited to our many shelters, food security programs, and mental health supports for adults and youth. In a survey conducted in May 2021, the Ontario Nonprofit Network (ONN) collected data from nearly 3,000 participating nonprofits in Ontario and reported that 77% of nonprofits within the social services and community development & housing sector, experienced increased demand in services.

Contributing $65B to Ontario’s GDP, nonprofits shoulder a considerable financial and social responsibility to our economy, but these organizations cannot sufficiently meet the growing demands on their services without the support of successful fundraising events, sponsors, and donors. This past summer calendar would have typically been filled with third-party charitable events of every kind. The restrictions made it difficult for event planners and organizations to proactively plan, and although there are reports showing substantial increases in online donations and digital support, the truth is that people build connection to their causes when they can gather, share in stories and successes, and feel connected and united.

With restrictions lifting at the tail end of summer, some organizations were able to work tirelessly to seize the moment and deliver stupendous results, such as The Niagara Golf Marathon, where more than 70 golfers talked 100 holes in 1 day and raised nearly $200,000 for local charities. The often-silent leaders throughout the region that make events like that possible are the kind of leaders we all need to strive to be. As the fall and winter season unfold, pay close attention to the nonprofits that could use your support, whether as a corporate sponsor or a personal donor or volunteer.

Sources: https://www.canada.ca/en/department-finance/news/2021/04/budget-2021-supporting-tourism-hospitality-arts-and-culture.html https://niagara2022games.ca/media/release/federal-government-announces-up-to-1.1-million-in-funding-for-the-niagara-2022-canada-summer-games/ https://www150.statcan.gc.ca/n1/pub/45-28-0001/2021001/article/00033-eng.htm https://www150.statcan.gc.ca/n1/daily-quotidien/210329/dq210329b-eng.htm

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SEPTEMBER 2021 |

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ARE YOU READY?

F rom

to

Temporary

Permanent Structural Changes

by Brandy Henderson

N

ew challenges create an opportunity for new solutions to make way. This past year-and-a-half created a trial-and-error period for several temporary solutions required to divide space, add protective layers between people, and create safe and distant physical environments for essential work and business to take place. Meanwhile, our homes became a centralized hub for literally everything, from work to school, exercise, entertainment, and even a family camping vacation in the living room.

“The trends have definitely shifted. As a result of safety concerns, the temporary installments are being taken down and the office floor plan is being redefined. Permanent enclosures and barriers in reception areas are being designed, the addition of glass walls and dividers throughout, and a focus on more private offices and rooms,” says John Simonetti, President of Glass Inc. “The demand is very high, and it is all hands on deck to satisfy the need for more permanent solutions that are more refined.”

In the Workplace For continued safety, the plexiglass barriers will be replaced and re-designed with tempered glass and acrylic screens.

Flourishing open spaces that promoted shared space and co-working arrangements will be converted to more dedicated and assigned workspaces, and an increase in personal office space will return. Office environments will also consider the new footprint of blended working arrangements where many people continue to work

Contactless modifications that were being introduced slowly to incorporate energy efficient solutions will take larger priority because of the sanitary factors.

Automatic doors, touch-free faucets and dispensers and other touchless gadgets will make their way into the office.

REVEAL NIAGARA BUSINESS MAGAZINE

the vanguard

Although some of the temporary modifications to our work and home structures are no longer the necessity that they were last year, there are many that appear to be needed more permanently which has led architects to prepare for these changes in their future designs and builds. How the various spaces in businesses and homes are being used has changed substantially, and a shift in priorities and needs will have a long-standing effect on how future builds will look and feel.

remotely for a portion of their week.

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►►►

Ventilation systems will undergo new protocols and a substantial increase in accessible outdoor spaces will be a priority.

nently customized home office spaces.

People are going to be spending more time at home for the longer term,” says John.

In the Home

Outdoor living spaces were often a priority for those who entertained or families that wanted expansive play areas, but further investment into a perfect outdoor space has now graced everyone’s priority lists. From re-invented balcony escapes to a completely reconfigured backyard oasis, these spaces are being maximized to their fullest potentials for the long-term.

The need for a separate space in your home that can accommodate a proper home office will be a high priority. In addition to having the structural space, the components within that space have also been re-evaluated to encourage a more balanced and healthy approach to how one works physically.

With simultaneous activities like schooling, music practice, gameplay, and work all occurring under one roof, many homeowners took notice to the acoustics in their home and architects have already begun designing differently as a result, from intentional changes to layout and floor plans to applied use of more sound-absorbing materials in dedicated spaces that would be used for these activities. the vanguard

“Homeowners are investing more in their space, especially as they redirect vacation funds that they could not use during the pandemic to critical home improvement projects. The result post pandemic is a large increase in customized solutions that better support current and future needs at home. Custom glass and mirror enclosures for home gyms is on the rise, as well as dedicated and more perma-

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|| Expert contribution by:

Overall When it comes to new builds, several changes are expected with extreme focus placed on the density of materials used and the overall efficiency of the final build.

Sustainability is no longer an idealistic approach to building, but now also a safety measure.

Leveraging less dense materials will ensure surfaces prevent virus transmission which means more natural materials, like wood, will be used more frequently.

Advocating for higher standards when it comes to embodied and operational energy consumption in both commercial and residential buildings, architects and designers strive to meet zero carbon standards and ensure a more sustainable product is developed that will benefit both people and planet.

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John Simonetti President, Glass Inc In the industry for over 10 years, John Simonetti started Glass Inc. in 2014 and he and his team specialize in custom glass and mirror work. The design and implementation skills of John and his team are impeccable, embracing endless possibilities when designing the glass finishes inside your home or business.

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Rental & Property I ndustry Highlight

MANAGEMENT

by Brandy Henderson

As our homes became the absolute epicentre of daily life, seismic shifts have occurred with respect to what people value when choosing where they want to live, evaluating options that may have never been possible or realistic prior to the pandemic.

the vanguard

What renters want has changed substantially. In multiple data segments reviewed by Local Logic, there have been considerable decreases in the need for public transit access – a reported decline of 24% in the fourth quarter of 2020 compared to the first quarter.

Comparatively, the need for access to grocery stores rose by 21% in the same reporting period. These trends, however, might be short term in nature as the economy rebounds, vaccination rates increase and pressures on the healthcare system stabilize.

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SEPTEMBER 2021 |

Other trends are likely here for the long term, like where people need to live compared to their job or career demands as well as how much space and what kind of space people desire. For example, the increase in remote working means that many tenants are no longer constrained by their commute, allowing them the freedom to seek more space and venture to more suburban or rural areas.

A greater demand for more physical space has also spiked, creating even more demand for single and multi-family dwelling spaces across urban and rural areas. The layout and functionality of one’s home was supremely tested when every household member had to juggle various zoom calls concurrently. In situations like this, sometimes the only solution is more square footage.

With renters flocking for more suitable space, it’s been a volatile year and half for rental and property management companies while temporary legislation changes presented challenges to support the needs of renters looking to review and evaluate potential homes.

Adrian Kulakowsky, Owner of Rentals 101 in Niagara, experienced these chal-

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lenges firsthand working with his team throughout this period.

“In Spring of 2021, we made a conscious effort to prepare ourselves for virtual visits and tested video walkthroughs, FaceTime visits and 360-degree tours. However, tenants were much keener on physically seeing the properties. The priority was working with our current tenants to ensure complete safety; implementing several internal regulations for our visits, including restricted group sizes, and limiting how often we were taking groups through an individual property. Hopefully we will see changes occurring whereby the regulation isn’t so arbitrary and allows for more accountability with tenants and landlords.” Said Adrian.

Many are hoping for stronger policy that fuel collaboration between renters, landlords and governing authorities. With landlords needing to manage rising costs alongside rent controls and pandemic-related restrictions prohibiting evictions, it is understandable to expect that individual investors might step away from the market. Although some rental types have declined, like student housing and short-term vacation rentals, the overall demand has not subsided at all. ►►►

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LET YOUR INVESTMENT PROPERTY START WORKING FOR YOU!

►►►

|| Expert contribution by: “I think as we all have seen over the past 18 months, the price of housing has had a major impact on the rental market, with rental prices continuing to rise. The pace at which properties get rented out has greatly increased as well, which has made it all that more imperative for our Property Manager's to do their due diligence in pre-screening and screening applicants with our rigorous processes,” says Adrian.

In response to the market shifts, property owners, new developers, and urban planners are responding accordingly. The shifting value across different amenities will certainly impact the future of how a community fundamentally operates. How this unfolds over the next few years is expected to bring forth a slew of fresh ideas and approaches to urban living.

For the current term, the shortage of inventory leaves little breathing room. When seeking a rental property to call home the landlord can sometimes be as important as the home itself. With the increased demand for properties alongside the volatile backdrop of policy, the need for fair and ethical rental and property management companies is paramount. When speaking with Adrian, it’s clear the team at Rentals 101 exude a unique dedication to doing things the right way.

Student & Residential Property Managers

“Our focus has always been about taking care of our existing clientele, granting us a strong reputation and referral base that has allowed us to scale and offer a variety of property management services in multiple market segments.”

Whether you are evaluating the rental market to find a home or looking for an investment opportunity, the landscape is shifting at an accelerated pace because of the pandemic and is worth a closer look on all fronts.

Check Us Out Online For More Information

Sources: https://rentals.ca/blog/3rd-annual-rental-market-predictions-from-experts-across-canada

@rentals101pm

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905-641-0911 info@rentals101.ca rentals101.ca | REVEALMAGS.COM | OWNERA MEDIA a subsidiary of OWNERA Group Inc.

Adrian Kulakowsky Owner, Rentals 101 Adrian Kulakowsky is a Real Estate investor and owner of Rentals101, one of Niagara's largest Property Management companies, managing over 225 student and family properties across Niagara. Rentals 101 provides a high level of service and accountability.

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online

Market Research Report

by Waaiz Ansari

travel & leisure

nline travel is the type of travel that is booked online through a website that has the specialty in making the travel arrangements such as flight tickets, car rentals, and packages. The agencies that help in booking travel are either online travel agencies or any direct travel suppliers.

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The GMI Research forecasts that the online travel market is witnessing an upsurge in the demand over the forecast period starting from 2020 till 2027. This is mainly due to the growing tourism industry, followed by the increasing penetration of internet usage and smartphone users across several economies.

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Introduction of the Online Travel Market

The type of travel which is booked online by website that particularly make the travel arrangements, such as car rentals, flight tickets, and packages is known as online travel. The agencies support in booking travel which are any direct travel suppliers or online travel agencies. They allow the customers to engage as they are booking, researching, or planning their travel. It is also available on a mobile app or a website through which the booking can be done directly with the online travel agency. Although, the confirmation is offered by the service providers like airlines or hotels.

Request a FREE sample of this report: https:// www.gmiresearch.com/report/online-travel-market/ sample-request ►►►

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my perfect dream vacation...

►►►

Online Travel Market Dynamics

(including market size, share, trends, forecast, growth, forecast, and industry analysis)

travel & leisure

The growing tourism industry, followed by the increasing penetration of internet usage and smartphone users across several economies, are the factors surging the growth of the market. The rising implementation of technological advancements in the online travel industry and the growing usage of mobile applications have made the booking for travel easier and flexible, which are some other factors boosting the growth of the online travel market share in terms of revenue. Moreover, growing per capita income, rapid urbanization, economic growth, and significantly changing lifestyle of the customers towards more improved services and comfort will further propel the growth of the online travel market size.

According to the online travel market report, various services provided by the online travel such as online reviews checking of the hotels and transportation ability, secure & easy payment modes, free & easy cancellation is enhancing the demand for the

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online travel among the customers across the world. The key drivers bolstering the growth of the global online travel market include the rising trust of the customers in the online payment and the introduction of the different advanced version of mobile applications having better deals. On the other hand, rising concerns regarding safety and security while online booking and payment will hinder the growth of the global online travel market. The outbreak of COVID-19 pandemic has led to an adverse effect on the demand of the online travel industry, particularly in 2020. The emergence of coronavirus worldwide driven by strict lockdown in various countries and the sealing of the borders. In addition to this, travelling has forced people to stay at their homes due to the sudden shutdown of airline industry and the rising fear of catching coronavirus, which in turn, will have negative influence on the growth of the market. However, the market is expected to revive in 2021 while increasing at a sustainable rate from 2022.

SEPTEMBER 2021 |

Key Players of the Global Online Travel Market: • • • • • • • • • •

Booking Holdings Inc. Expedia Group com Group Limited TripAdvisor LLC Hurb Hostelworld Group Com Thomas Cook Group plc Trivago MakeMyTrip Pvt. Ltd.

Online Travel Market Segmentation: Segmentation by Mode of Booking: • •

Direct Travel Suppliers Online Travel Agencies (OTAs)

Segmentation by Types of Platform: • •

Desktop Mobile

Segmentation by Region:

North America

• •

United States of America Canada

Asia Pacific

• • • •

China Japan India Rest of APAC

Europe

• • • • •

United Kingdom Germany France Spain Rest of Europe

RoW

• • • • •

Brazil South Africa Saudi Arabia UAE Rest of the world (remaining countries of the LAMEA region)

Segmentation by Services Type: • • •

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Travel Accommodation Transportation Vacation Packages

Segmentation by Types of Age Group: • • • •

22-31 32-43 44-56 >56

wherever

you go becomes a part of you

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►►► About GMI Research

travel & leisure

GMI Research is a market research and consulting company that offers business sights and market research reports for every enterprise, including small & medium enterprises and large organizations. Our research team helps the clients to understand the impact of market dynamics such as market size, share, drivers, growth opportunities, and other aspects. We have a team of analysts and industry experts who conduct market intelligence studies to ensure relevant and fact-based research across a wide range of sectors such as FMCG, Technology, Energy, Healthcare, and other industries.

We collect relevant information about the industry using both internal and external

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databases. Our main focus is to keep our clients abridged of the emerging opportunities and challenges in a wide range of industries. We provide step-by-step assistance to our client through strategic and consulting services to reach a managerial and actionable decision. Featured in the ‘Top 20 Most Promising Market Research Consultants’ list of Silicon India Magazine in 2018, we at GMI Research are always looking forward to helping businesses stay ahead of the curve.

Media Contact

Company Name: GMI RESEARCH Contact Person: Sarah Nash Email: enquiry@gmiresearch.com Phone: Europe – +353 1 442 8820; US – +1 860 881 2270 Address: Dublin , Ireland Website: www.gmiresearch.com Article Tags: Online Travel Market, Global Online Travel, Online Travel, Travel Market, Market Research, Market Size, Global Online Source: Free Articles from ArticlesFactory.com

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ABOUT THE AUTHOR GMI Research is a market research and consulting company that offers business sights and market research reports for every enterprise, including small & medium enterprises and large organizations. Our research team helps the clients to understand the impact of market dynamics such as market size, share, drivers, growth opportunities, and other aspects.

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&personal

up close

SEPTEMBER 2021 |

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with the Founders of

Olenka

and Alicia

Photography: Julio Batres-Gavidia

Reveal Niagara Business Magazine gets up close and personal with the brilliant and remarkable Founders of ClaraDerma, , who share their personal dedication in the field of medical grade skin care and aesthetics.

12-300 Bunting Road, St Catharines, ON, L2M 7X3 (905) 397-7075

www.claraderma.com

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ithout question, true beauty comes from within. For that inner beauty that every man and woman carry within to shine through for others to see, that person must have the self-confidence to shine.

Sometimes the most beautiful person inside and out can be held back by what they believe to be an exterior blemish. Anything from thinning hair to blotchy skin and beyond, can be so severely crippling to one’s spirit.

When there is something bothersome to any individual about their appearance, especially at a level that creates an uncertainty about how they may be viewed by others, seeking a way to resolve or improve it should be a comfortable and supported endeavor.

At ClaraDerma, there is a welcoming and safe space for anyone to share their concerns about their appearance with a team of professionals equipped to listen, validate, and respond with appropriate guidance. Founded by Olenka Lyle and Alicia Yap, ClaraDerma puts your feelings first, acknowledging that how you feel in your own skin is of the utmost importance.

Reveal Niagara Business Magazine gets up close and personal with the brilliant and remarkable Founders of ClaraDerma, Olenka and Alicia, who share their personal dedication in the field of medical grade skin care and aesthetics What is the biggest inspiration you have for entering this industry?

Alicia: Our biggest inspi-

cover feature

ration for entering this industry was the lack of inclusivity across the

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industry. We wanted to create a space that was accessible for anyone looking for skin care advice, treatment, or products while helping to break down the stigma associated with Medical Spas.

Our owners and team members have all struggled with some form of skin concern or body confidence in our lives and want to help others who struggle.

Olenka

: After experiencing many personal struggles when seeking help for my own skin care issues, and with a background in health promotion and disease prevention, I know firsthand that it’s best to take a preventative approach rather than treating issues and diseases after they arise. Whether I was dismissed because of financial assumptions, refused treatment because of my age, or prescribed an unfit solution without understanding the true nature of my issue, there was a clear gap in the industry - it was time for us to create an accessible space for everyone seeking consult and results.

To help someone address their skincare concerns and see that confidence shine is what fills us up. We see people blossom once they feel confident in their own skin. ►►►

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for that inner beauty to

shine through

self-confidence to shine you must have the

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Many times, they have shared the same insecurities with a family member or friend, followed by common reactions such as “you are beautiful you do not need to do that” and as true as that may be, it’s important that we validate how our patients feel about themselves. When we determine the concern, we present the best treatment option and sometimes what we recommend is surprising. The most effective treatment is not always invasive or require multiple sessions. I like to say that if you've never done anything professionally to address your skin, the start of your journey will be 80% in clinic treatments to get your skin refreshed and looking its best. From there, you transition to 80% medical-grade home skin care for maintenance and only 20% in-clinic treatments.

How do you want patients to feel after an experience with you?

Alicia: Empowered and beautiful!

Olenka: Validated, energized, hopeful, and confident. Trust and consistency are key. Aside from personality preferences, I want our patients to be confident that they can book with any team member and receive the similar information and recommendations, exceptional service, and results.

What are your most popular procedures during the fall and winter months? Are there other procedures that you highly recommend during this time?

Alicia: It’s the perfect time for laser hair

►►►

Can you walk us through your primary considerations when performing a consult for a new patient?

Alicia: The primary and only considercover feature

ation when performing a consultation for a new patient is "What are your concerns?" Our business motto is "your concern is our concern" for a reason.

We will never recommend a product or procedure that our patients have not expressed interest in or that are

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unnecessary for them. We will make a treatment plan for our patients based on what is bothering them - and advise further upon request.

removal, IPL (Intense Pulsed Light), Sun damage correction, Rosacea treatments, and discolouration correction with lasers. We also perform fractora skin resurfacing, microneedling, and chemical peels.

for consultations for something bothersome to them. For example, they don't like the furrow between their eyebrows.

As we uncover that, there is always an emotion or outward expression linked to what they see that lies deeper. Our goal is to make our patients feel comfortable, to share their insecurities with us.

our intensive resurfacing/tightening procedures and sunspot removal (IPL) because these procedures require no tan in the skin and are better done when sun exposure is low. It's also a popular time for botox and filler as people get ready for holiday parties and special events surrounding the Holidays.

Olenka: Listening is key. Patients come in Olenka: Fall and winter is time for

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SEPTEMBER 2021 |

How do you encourage your patients to follow post-treatment instructions?

Alicia: We provide them with detailed post care

instructions via email that is linked through our electronic medical records platform. We also provide all the necessary products for post care depending on the type of procedure. We also make ourselves extremely accessible to our patients in case they have any questions before and after a procedure.

Olenka: All treatments also have a mini consulta-

tion included so that we are aware of any changes to the skin or the routine up to the moment before a service. Post care instructions are always reviewed orally at the end of a session and if there are any post care kits or products, we ensure the patients have those before leaving. We also follow up with patients either via email, text, or phone call within the appropriate timeframe to ensure that proper healing is happening and there are no questions or concerns. We will always see a patient if they are worried about something post-procedure and have often had them send us photos or even hop on a video call if they are worried and need reassurance before they can come in person.

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Can you give us a few of your personal skincare tips that you apply in your own daily routines?

Alicia: I have a few, beginning with do not neglect

the neck! Anything you do to your face you should do to your neck. Also, never forget the holy trinity of skin care: Vitamin C, Sunscreen, & Exfoliate!

When it comes to acne, less is always more - a good cleanser, a salicylic acid serum and a non-comedogenic moisturizer go a long way. And absolutely do not use gritty scrubs on acne prone skin! I see this ALL the time and it should be avoided at all costs.

If a chemical exfoliant or serum based exfoliant is necessary, AHA, Salicylic acid, glycolic acid or retinols are best for acne prone skin. Small dose of botox (baby botox) is useful in the prevention of deep-set wrinkles and can be started early if a patient so chooses. Medical grade products are worth the money and are typically the same cost as over the counter skin care – the difference is that they work better and are tailored to your needs when consulting with a professional. And finally, for the young, it’s never to early to start! Do not wait until you are in the "correction" phase of life.

It's less expensive and much more beneficial to be preventative by using good skin care and wearing your SPF when you are young.

Olenka: The two I can't stress enough are sunscreen (ALL THE TIME !!!) and retinol. There is no better way to protect your skin from aging than with sunscreen. You will help reduce sunspots and pigment changes, wrinkles, and leathery skin. Also, medical grade retinol increases how quickly your skin cells turn over, it’s your long-term skin game changer. Retinol is technically a chemical exfoliant in the way it promotes cell turnover and helps to reduce fine lines, pigment, acne, and acne scarring as well as just works on texture.

►►►

never

We will recommend a product or procedure that our patients have not expressed interest in or that are unnecessary for them.

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►►►

The most effective treatment is

not always

invasive or require multiple sessions.

It can take a little bit of time to incorporate it into your skin care routine because it can cause some irritation, dryness, and flaking if it's used too quickly or at a high potency. However, it will help the most in the long run. The challenge I see is that most over-thecounter products that include retinol, are not in an active retinol percentage to make a difference. That is because by law, any products sold over the counter without medical oversight is subject to regulated chemical concentration. That is why, seeing medical grade skin care professional is so important.

Okay, one more, Vitamin C - brightens the skin! But the same problem as with retinol, it's not very stable in products, so again, you need a medical grade vitamin C so that it doesn't oxidize before you use it.

Can you tell us how you have created such a warm and welcoming team environment at your clinic?

Alicia: We all love our jobs. When

you love what you do it’s easy to be welcoming and warm to patients because you are genuinely excited that they are there. We selected our team with the core concept of always doing what is best for our patient.

We will only recommend what is needed for optimal results. Our team has a passion for helping others and as we said before, have dealt with similar issues in their life so can relate!

Olenka: Alicia and I have been very

cover feature

lucky with the fabulous individuals who have joined our team. It's also a conscious effort to choose providers that fit with our philosophy, values, and that are caring humans at the core. Each one of our team members are invested in their patients and care so deeply about experience and results. We are constantly consulting in the back room to brainstorm the best options and treatment plans for our patients. If something hasn't worked the way they thought it would, our knowledgeable team consulting with one another, the nurses and medical director to figure out the next steps to improve

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outcomes. We support each other, always.

When they have successes, we all feel them and when something doesn't go a certain way, all hands-on-deck to find the right solution. If someone comes in for a consultation and their best option is botox or filler, then the aestheticians set something up with the nurses. Similarly, if the nurses have a consultation and the patient is best suited for a skincare service, the appointment is booked with an aesthetician. We also provide ongoing education for our team and support them to be comfortable and confident in the services they provide. We have aestheticians that are well-experienced with certain machines and procedures like Fractora with PRP, while others have mastered lash lift and laser hair removal. Aside from being proficient with our services, each one has their niche of excellence. Alicia and I always try to support everyone and hope to be able to do more as we grow.

We are a living wage employer. We try to be more competitive with our wages and at the same time, try to accommodate everyone with flexible shifts and vacation days. Alicia and I also love organizing some team building days off a few times a year (when covid allows, lol) as a thank you for all their dedication and hard work. We just had a backyard team party with an afternoon high tea, catered dinner, and yard games complete with a bartender for summer drinks and to pour the bubbly! We know that our team works hard, and we want them to know how much we appreciate them. We are truly grateful, and Alicia and I try to be open and supportive, leading by example to provide the best patient care possible.

SEPTEMBER 2021 |

We heard some good news to share with the community, can you tell us what's coming next for ClaraDerma?

Alicia & Olenka: WE ARE EXPANDING!

Alicia: We are aiming for construction to be completed in the New Year - we will be adding more treatment rooms, expanding our treatment menu, and incorporating new technologies!

Olenka: Our location is not changing

as we are taking over the neighbouring unit to grow the clinic. We have really outgrown our current space and have had to compensate by being open on Sundays so that we don't keep a long waitlist. We are doubling our square

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footage to allow for additional treatment rooms as well as nice big boardroom/break room for our team. This larger space will also allow us to offer double facials so you can come with a friend or significant other to relax. I am completing my Nurse Practitioner program which will allow me to add additional services to ClaraDerma+.

As an NP, I can focus on women's health with the addition of hormone therapy, vaginal rejuvenation and many post pregnancy/menopause issues that can occur. Additionally, I can provide more support for acne concerns as well as other dermatological issues that may need additional prescriptions or procedures (think Dr. Pimple Popper, lol). We cannot wait to get going on the renovation and look forward to announcing a grand reopening to the community as soon as we can.

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notables

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Notables in

CHARITABLE ORGANIZATIONS

special feature

Charitable organizations are at the heart of community involvement and support. These organizations spend their time, money, and energy helping some of our most vulnerable or underserved groups. Charity begins with the inward recognition of the importance of giving back to your community and beyond. Without these organizations, many people would go without help in times of fundamental need. These people and organizations are on a mission to help better the lives of people who need it most and it’s our responsibility to support them in return.

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Reveal Niagara Business Magazine by Ownera Media is proud to present the leaders in the Charitable Organization Sector within Niagara, who do their part in forging positive change. They are the leaders that recognize the importance of local engagement, support, and mutually beneficial relationships, innovative business design and unique attributes that make them truly notable in their industry, in our community, and beyond.

SEPTEMBER 2021 |

Nicole Regehr Interim Executive Director

Pamela Blackwood Executive Director

Amber Hughes Executive Director

Nicole has been a part of the leadership team at Gillian’s Place for twelve years and is currently in the role of Interim Executive Director. Nicole is a community advocate and educator in the area of gender-based violence with a commitment to making our community a safer place for women and other equity seeking groups. A grounded and dynamic leader, she aims to forward the mission of Gillian’s Place as they work to end gender-based violence in Niagara.

Pamela utilized her social work background as the foundation for her not-for-profit management career for the past 28 years. In 2008, she joined the McNally House Hospice team as the Executive Director. Hospice Palliative care has been a true passion and notes that Palliative care is incredibly intense but richly rewarding work.

Amber has been working in the not-forprofit field for 10+ years, before making the leap from the media sector, bringing a unique combination of skills to both support and promote the Food4Kids program to the community. Community being the key word, as relationship building is a critical component for creating meaningful bonds with a diverse group of volunteers, donors, and supporters across the Niagara Region.

Gillian’s Place

Gillian’s Place For 44 years and counting, Gillian’s Place has been providing safety and support to survivors, along with their children as they break the cycle of violence and abuse. Since 1977, Gillian’s Place has grown from an 8-bed volunteer-run shelter to a multi-site provider of free and confidential services. “In 2019-2020, 328 individuals found refuge at our 34-bed emergency shelter,” says Nicole, Interim Executive Director, Gillian’s Place.

“Beyond our shelter service, we provided 6,038 residents with compassionate care and support through our community outreach services.”

Gillian’s Place offers services that are designed to meet the unique and complex needs of survivors across the care continuum.

In late 2020, Gillian’s Place started to change and improve service-delivery to equityseeking groups by using an anti-racism antioppression lens, informed by intersectional, feminist values.

Our programs and services include 24x7 phone or text support, safety planning, expert one on one and group counselling, legal services and support, education and violence prevention, child and youth programs, transitional housing, and support and second stage housing.

McNally House Hospice

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Food4Kids Niagara

McNally House Hospice Opened since 2008, McNally House is a six suite, home-like residence providing 24-hour palliative care to people living with terminal illness. McNally House provides holistic care from time of diagnosis to bereavement support after death. Families can spend the time they have left with their loved one. “It is truly an honour and privilege to lead a team of dedicated health care workers and volunteers as we walk alongside those at end of life, providing compassionate personcentered care to both the patient and their family members,” says Pamela. “Community engagement is our foundation. It cultivates and supports relationships that shape how and where we provide care.”

“We have had so many joyful moments at McNally House. Palliative care is about living until you die. One of our favourite moments was when we were able to help plan a wedding.

From the engagement to the wedding reception, it all happened within the walls of McNally House.” Says Pamela. “The morning after the engagement, the bride-to-be started planning her wedding for that night. McNally House staff caught wind of the event and told her, “We got this.” Our staff quickly moved into action.

A local florist donated stunning arrangements of flowers, a local photographer jumped at the opportunity, volunteers arrived with food, champagne, and decorations. Guests attended in their pajamas, just like the Bride and Groom.

When people say to me ‘“it must be so sad to work at a hospice”’, I tell them this story.”

Food4Kids Niagara The Weekends Without Hunger program provides healthy food packages to elementary school students from at-risk, low-income, or disadvantaged homes with limited food during weekend and summer periods. Food packages are assembled by volunteers and then delivered to schools or homes each Friday to ensure children have an adequate food supply during the weekend.

We are currently supporting 500 children at schools throughout Niagara.

“We believe that alleviating the effects of poverty and hunger strengthens our community, providing children with opportunities to grow, excel and thrive,” says Amber, Executive Director at Food4Kids Niagara. “Our program reduces barriers to accessing healthy food, which impacts immediate, short, and long-term developmental outcomes for children and youth. Provision of food is a key prevention strategy impacting physical health, mental health and academic success, in breaking the cycle of poverty.”

A quote from one of the parents: "Aside from the obvious, that my kids are receiving extra food, this program also educates my kids about how a community and a support system work. It's a really wonderful program and I'm so glad that they are here to help us in our time of need."

“There are far too many children going to home to empty cupboards and the uncertainty of where their next meal will come from. By providing frequent and targeted food assistance, we can ensure that eventually, no child in our community will go hungry.” Said Amber.

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Sarah Pritula Director

Community Crew Forever a philanthropist, Sarah knew she wanted to spend her time in the non-profit sector. At a young age, Sarah started by serving water and delivering meals at the GNGH in elementary school, then became a Big Sister and mentor for a “Little” through the local Big Brothers, Big Sisters program. Moving to a large charity for work, she was able to educate children about heart health with the Jump Rope for Heart program. Now Sarah oversees the Community Crew as Director.

Community Crew Community Crew is an organization dedicated to providing children with nutritious lunches throughout the school year, empowering children, and uniting businesses through community engagement. They nurture future leaders by providing them with tools and knowledge to make a difference.

Community Crew provides hope, one healthy lunch at a time. “We provide lunches for children who would otherwise go without during the school year, making sure that children never have to worry about where their next meal is coming from. Each lunch comes with a note of inspiration from our volunteers,” says Sarah. “We aim to have the program deliver 1,500 lunches, 3 days per week to 30 schools this year. That’s 250K lunches for the 2021 – 2022 school year.”

special feature

Community Crew partners with companies such as Factory Surplus Direct (FSD) to teach kids all about robots; and Grant McArthur, who is riding his bike over 10,000km to raise $100,000 in support of Community Crew.

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“During the recent pandemic and lockdown, our teams prepared and delivered lunches directly to the homes of the children.

Our school feeding program didn’t miss a beat and children were still able to have lunches and groceries throughout the pandemic. Our team of volunteers were instrumental in making this a go. We couldn’t do what we do without our volunteers.” Said Sarah. |

Kim Rossi Director of Philanthropy & Public Relations Pathstone Foundation, Pathstone Mental Health

Kim holds nearly 20 years of media experience, is a tremendously talented event planner and fundraiser, and a successful entrepreneur. In addition to her key role at Pathstone, Kim is also a co-founder of KO for KIDS, an annual charity boxing match that raises awareness and funds for Niagara kids and families dealing with illness.

Pathstone Foundation, Pathstone Mental Health Pathstone is led by extraordinary people, all of which work tirelessly to change the outcome for children and families in Niagara dealing with mental health issues.

The demand for that care, however, continues to grow and can only be fulfilled with the continued generosity of donors, volunteers, and fundraising efforts all year round.

“This is more than just a job to me. I feel I have a responsibility to my community, (one I've always wanted) to help make it the best place possible. In the mental health space, I really don't do the hard work. Our team of therapists, and counselors are the ones who are impacting young lives. I get to share their compelling stories, and work with our supporters to align their charitable interests with a project or program at Pathstone that will leave them with a feeling of great pride and impact on thousands of kids.”

No child should have to wait to receive the help and support they require, and no parent or guardian should not have a resource to consult and help source the best care.

“Everyone needs someone. It's impossible to have great success, partnerships, and creative collaboration without others. So, I'm sharing this Notable recognition with my mentors, our Pathstone team, and countless volunteers.

Thanks for making all of us that much better,” says Kim.

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Suzanne Court Founder and President

RRPC Innovation Foundation Philanthropy means different things to different people but at a very early age, Suzanne wanted to make a difference.

Giving back and being benevolent was in her DNA and has always played an integral role for Suzanne in having a successful and meaningful life.

RRPC Innovation Foundation Suzanne founded the RRPC Innovation Foundation in 2018 to honour the memory of her late father, Richard Robinson Prescott Court. Richard exuded a passion for supporting youth across Niagara, and was known for encouraging others through his personal mantra, “one must give in order to receive”.

After a 30-year corporate career, Suzanne made the decision to move from the success side of her life to the significance side of her life.

After witnessing the growing number of youth suicides, youth living on the streets and so many others struggling with addiction and mental health challenges, it was time. “I wanted to create a strong and sustainable legacy of giving and made the decision to establish the RRPC Innovation Foundation, in memory of my dear father Richard Court. My father believed that the cycle of life is the cycle of giving, and how important it was to unite our family around a common purpose.” said Suzanne.

"Our foundation believes that strong, dedicated, and creative leadership is needed to address our community’s most pressing problems, to help youth navigate and succeed through education, mental health, partnerships, physical health, and healthy eating. We have always believed available evidence, and by what our experiences tells us in terms of the impact our foundation is best suited to support.” Said Suzanne.

RRPC Foundation is committed to growing partnerships with local community agencies and welcomes the opportunity to work with business leaders and developers to create innovative and lasting solutions.

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There is no exercise better for the heart than reaching down and lifting people up. ~ John Holmes ~

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Notables in

CONSTRUCTION

special feature

Construction is a crucial industry that literally contributes to the growth of a community and the economy. This sector develops everything from residential neighbourhoods to the institutions that we depend on to run our society. Construction is a prevalent component in our lives. It builds and expands spaces, facilitates social interaction through cultural, political and recreational development, and houses our loved ones.

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Reveal Niagara Business Magazine

by Ownera Media is proud to present the leaders in the Construction Sector within Niagara, who do their part in forging positive change. They are the leaders that recognize the importance of local engagement, support, and mutually beneficial relationships, innovative business design and unique attributes that make them truly notable in their industry, in our community, and beyond.

SEPTEMBER 2021 |

Andrew Mulder President

Steve Schroeder Owner

Darren A. Hendriks Vice President

Established in 1994, the idea to create a landscaping company was conceptualized long before. Growing up, Andrew was intrigued by the feelings evoked by stepping into a well-designed space. Working in landscaping as early as high school with his grandfather, he went to university for Landscape Architecture and his passion for the outdoors, building, and creating incredible spaces, was a driving force in the creation of Renaissance Landscaping.

Steve has always been the one to notice the details in craftsmanship. He has the mindset that quality should be prioritized over quantity. Steve realized that not everyone saw construction this way. In 2017, Steve started Steve Built Inc. As a certified builder and general contractor, Steve guarantees you get the quality work you deserve.

A family business for three generations, the saying “it runs in our blood” holds true for Darren and construction. Darren began young working for his parents, moving up in the company as he gained more experience.

After his father was diagnosed with a serious illness, Darren had to step into his role and after his fathers passing, he and his mother committed to continuing the legacy.

Renaissance Landscaping Group Inc.

Renaissance Landscaping Group Inc. Quality work and craftsmanship rise above all else. The team uses their specialized skills to create beautiful, unique, and longlasting residential spaces. “An investment in your landscaping should be an asset for the long-term,” says Andrew. “We care about what it will look like two, five, and ten years from now.” Andrew notes that design is the most important aspect of his job. “We start with design, and we invest in design,” said Andrew. Before beginning, they identify habits and lifestyle needs that allow them to fully understand how a customer plans on using the space and maximize their ROI. As a family-based business, the sense of family within the company transcends to the commitment to their team and clients.

“Family is the most important thing; our team is an extension of that. We ensure our people feel comfortable, get along, and share the same passion for creating transformative spaces.” The company is rooted in integrity, honesty, and leadership dedicated to improving the community whenever possible, through charity donations and sponsorships of local sports teams.

Andrew recently worked with a client served 25 years ago, to modernize their landscaping. “I’m honoured to serve the same client 25 years later. This is why I love what I do. Our clients know they can count on us, and we remain part of their life journey through the spaces we create.”

Steve Built Inc.

Homes by Hendriks

Steve Built Inc.

Homes by Hendriks

Quality is the foundation of Stevebuilt.

Meticulous, neat and organized are the qualities that Steve and his team implement in every project to ensure an exceptional experience and result for their customers.

“Growing up I built sheds, decks, and fences with my father; by my teens, I was working in a lumber yard and apprenticing as a Carpenter. Finishing my apprenticeship, I began specializing in house additions, construction, and renovations. Turning countless homeowners’ visions for their project into reality with fine detail.” Said Steve, Owner of Stevebuilt.

A vital part to the success of the company is the family-oriented structure. “We all work well together as a solid team. We have regularly scheduled production meetings, internal audits for quality control on site, routine safety inspections that all contribute to the operations,” says Darren, Vice President at Homes by Hendriks. “We schedule social events amongst our team to encourage a culture of camaraderie and friendship.

To promote growth and advancement amongst our team members, we encourage them to provide input and suggestions on ways we can improve our operations”

Stevebuilt gives back to the community wherever they can. The company participated in the Porta Backyarda Campaign and Steve built the sheds for the Porta Backyarda Campaign, they support the youth of the community and always lend a helping hand. “We support the community for the same reason we focus on quality and client satisfaction, we want our clients and community to be happy and healthy, far into the future.” Said Steve.

What makes Stevebuilt unique is their promise: “If we installed it, built it, or worked on it we will back it. Call us with any questions or any problems you may have for the next 10 years and we fix it.” Even long after the project is completed, Steve and team still support their clients. “Once you become part of the Stevebuilt Family, you’re in it for life.” Said Steve.

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Beyond putting their employees first, Homes

by Hendriks also contributes to a few local charities and initiatives within Niagara. Some of the charitable work includes both new builds as well as renovation projects. Homes by Hendriks prioritizes giving back to the community wherever possible, especially when it comes to affordable housing or creating a safe living environment for families.

Homes by Hendriks is an industry leader through their commitment to quality work, professionalism, and customer service. “There are certain standards that we maintain as a high-end custom home builder based around the reputation the business has established when it comes to various elements of the construction process. We believe in offering our clients a high-end product which promotes practical and sustainable homes,” says Darren. “We offer a full custom-building experience to our clients - from start to finishing and beyond.”

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Creatives It’s All About the Assets

by Brandy Henderson

Captivating Copywrite Words are one of the most powerful components to an effective campaign. Finding the perfect combination to string together the exact emotion and action you are seeking to evoke is craft well

marketing

DESIGN

worth nurturing. So how do you craft the perfect message? There

simple

is so that's why it's so

complicated.

are several tips out there, but one of our favourite classic formulas for effective copywriting that can apply to most tasks small to large is the 4 C’s. Whether crafting an impactful tweet, outlining a blog or article, or defining the context of a digital campaign, considering the 4 C’s can help you tailor your message the right way. When drafting your copywrite assets, ask yourself if the message is clear, concise, compelling, and credible and then adjust the messaging accordingly to capture to right essence for the task at hand.

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Humans are visual creatures by nature, making immediate judgment based upon how things appear. When strategizing your marketing and advertising efforts, one of the last remaining details often addressed is the creative assets themselves, however, the quality of the assets in any campaign can make or break the strongest of strategies. We always recommend consulting a professional, whether it be a member of your team or an external resource skilled in asset development, but here are some tips and considerations to include in your planning process.

Impactful Imagery

V aluable V ideo

The human brain can process an image in the blink of an eye – with

Possibly one of the most intimidating components for many businesses

multiple studies confirming this occurs in milliseconds, making

is putting together video content. By now everyone’s understands and

it an instantaneous way to make an emotional impact. Under-

acknowledges the importance of video marketing in today’s digital

standing the importance one image can have on the success of your

age, but there is a misconception behind the accessibility of creating

campaign should ensure that a substantial amount of thought goes

video content. It no longer requires large production crews, expen-

into selecting any imagery for any published content you produce.

sive equipment, and hundreds of hours to produce a single video.

Be sure to consider the purpose of your campaign, the audience

There are certainly productions out there that do require that level of

you are seeking to connect with, and the variety of mediums

planning and investment, but the rise of the digital age has also made

that the content will be published on. For example, a selection

it very accessible for businesses of all sizes to create video content on

of imagery that may work flawlessly on a social media campaign

a smaller scale. Some of the most impactful videos are 5 to 15 seconds

may not translate the same way to a magazine advertisement or a

in length, and whether you choose to produce them on your own or

billboard, so it is important that you understand the components of

with the support of a professional, can be done so within a reasonable

your campaign but the desired outputs as well.

budget and timeframe.

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My

Favourite Tech

Without question every brand, organization, event planner or business owner has visualized the creation of a much-need an app to deliver an experience or a solution to their ideal consumer. And while there are several apps that do deliver exactly that, there is an overwhelming “app fatigue” amongst most people as our lifestyles evolve but also as technology evolves.

technology

Privacy, security, and data protection sensitivities are on the rise, only further adding to the hesitation for consumers to download external apps to their devices that will likely connect and communicate with other data on their smart devices. All this aside, consumers are still looking for valuable solutions and have an expectation that they should be able to conduct a vast majority of tasks from the convenience of their exceptionally powerful smart device.

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We offer you three primary questions to consider when determining if your organization should continue down the path of planning and investing in full app development:

1

Does my app fall within the business, education health, or fitness categories? Research shows that these categories deliver a lower churn rate, making it a safer choicewhen considering the hefty investment in development.

2

Will my app provide an additive function or solution to my consumers that cannot be experienced via a mobile version of your website? If the answer is no, is the limitation technology based or resource based?

3 Will my audience have the need to interact with my brand/service/ product on a daily basis? If the answer is no, the lower frequency of use will likely result in forgotten passwords and consumer frustration to access your app which may discourage engagement.

Aside from understanding the complexity of data that will need to be exchanged, the answers to these questions are the most important considerations in deciding whether an app is the wisest expenditure or if exploring alternatives to delivering your intended service experience in a mobile-friendly, easily accessible, and secure manner.

A recent term worth investigating is a new standard referred to as Progressive Web Apps (PWAs), which are being leveraged in very powerful ways to deliver app-like experiences without the need for a natively downloaded app.

Regardless of the device or network condition, the front-end technology is geared to deliver quickly and reliably. While receiving lots of attention, the concept of PWAs is relatively new to most people.

A noteworthy and recognizable example of a native app that is now available in a PWA version is Spotify. The PWA has reportedly faster speed and prompts users to add Spotify to their home screen making it just as accessible and easy to use as before.

If one of our favourite music powerhouses can deliver a superior experience through a PWA, we highly recommend

that everyone looking to design the next best app carefully review the considerations shared and utilize the information to craft the best strategic approach to deliver a seamless consumer experience.

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by Erin King

Headaches:

Nutrients, Water Intake, and Balance of Body

THE WORLD HEALTH ORGANIZATION REPORTS UP TO THREE-QUARTERS OF PEOPLE BETWEEN THE AGES 18 TO 65 GET HEADACHES, AND OF THOSE,

UP TO 4% EXPERIENCE THEM 15 OR MORE DAYS A MONTH.

health & wellness

If you've had a headache in the last year, you're not alone.

The World Health Organization reports up to three-quarters of people between the ages 18 to 65 get headaches, and of those, up to 4% experience them 15 or more days a month.

This is a global issue that seems to affect everyone regardless of age, race, tax bracket, or location.

Headaches are classified differently, depending on the cause and symptoms.

A cervicogenic headache is when the pain originates in a different area than it presents. For example, neck or back issues that cause the headache.

Mild to moderate pain described as feeling like a tight band around the head is referred to as a tension headache and is one of the most common and frequent.

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A deep and constant pain felt in the cheekbones, forehead, or the bridge of the nose is often a sinus headache.

And a rebound headache, also referred to as Medication Overuse which occurs when you use a prescription or over-the-counter pain reliever more than two or three times a week, or more than 10 days a month.

Some of the more extreme headaches are migraines and cluster headaches which can be debilitating and require medical attention. Other common causes of headaches are related to illness such as infections, colds, and fevers; emotional or physical stress, and environmental circumstances such as second-hand smoke, household chemicals, allergens, lighting, or weather changes.

There are numerous ways the average person can combat

SEPTEMBER 2021 |

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|| Expert contribution by:

Angela Fuchs Registered Holistic Nutritionist Nourish the Change Angela is a Registered Holistic Nutritionist™ with a certificate in plant-based nutrition and a special interest in gastrointestinal health and hormonal health. Angela works primarily with those in mid-life stages where a shift in nutrition is often critical to improved health and quality of life.

The next consideration when seeking to prevent headaches is to review your food intake. Since nutrition is almost always your first line of defense, you can quickly combat headaches with your diet.

this ubiquitous foe, such as taking over-the-counter pain relief with ingredients such as acetaminophen, aspirin, or ibuprofen. But what can you do from a preventative standpoint?

While different headaches can be prevented by addressing specific root causes, there are two areas that should be assessed first and foremost, as they are the most basic yet overlooked aspects. Monitoring and improving the nutrients and hydration you feed your body is the primary way to prevent headaches of all variations.

At first sign of a headache, start by immediately checking your water intake. If you're dehydrated, your brain can temporarily contract. When this happens, you can experience anything from a dull headache to a migraine. The pain can occur at the front, back, side, or all over, and moving your head can be painful.

You will not experience facial pressure or neck pain with dehydration, but you might feel extreme thirst, reduced urination, fatigue and even a dry, sticky mouth. If you have a headache and any of the other symptoms of dehydration, the answer might be as simple as a tall glass of water or a water-based beverage that includes electrolytes.

According to Angela Fuchs of Nourish the Change, being proactive is easier when you are consuming the right foods rich in nutrients that your body needs.

"Consider keeping a food diary to help identify foods that may trigger your headaches. Common headache triggers include red wine, cured meat, alcohol, chocolate, coffee, and food additives, like monosodium glutamate (MSG).” Says Angela.

When asked what nutrients and foods to add, Angela says “A well-balanced, whole foods diet that includes complex carbohydrates, good quality proteins, healthy fats, and plenty of water is key. Adding more fresh vegetables, whole grains, lentils, nuts, and seeds to your plate will provide your body with magnesium and B vitamins. These two nutrients help ease muscle tension and headache symptoms." Says Angela.

When suffering from headaches, as we all do from time to time, re-evaluate your water and nutrient intake and take it as a sign to return more balance to your body and live a proactive and preventative lifestyle, headache free.

Sources: https://www.who.int/news-room/fact-sheets/detail/headache-disorders https://www.webmd.com/migraines-headaches/migraines-headaches-basics https://www.webmd.com/migraines-headaches/headache-location-types

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Desk Exercises, Movement & Mobility

by Erin King

The best thing for your body is activity.

Studies confirm it and you know it based upon how you feel.

When you're up and moving, you feel more energetic, stronger, and healthier. When you're sedentary, aches and pains creep up, and you don't feel as vibrant as you could. But what do you do when you spend much of your working life behind a desk?

EXERCISE

isn't just

good

for your body and well-being

it's also good for

productivity

ccording to the World Health Organization, 60 to 85% of people worldwide are too inactive, with odds increasing 10 to 20% more if you're a woman.

An inactive lifestyle increases all kinds of health risks such as cardiovascular diseases, diabetes, obesity, colon cancer, high blood pressure, osteoporosis, depression, and anxiety. health & wellness

Mobility keeps everything from brain matter to muscles’ health, and it even affects your DNA. When you're obligated to be at your desk for upwards of 8 hours a day, being more active might feel like an impossibility. That is why it is so important to intentionally adjust your habits and even take time to increase mobility at your desk or in your office.

“Just taking a few minutes to do simple stretches can make all the difference, without even having

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to get up from your desk. While sitting upright in your office chair try doing gentle neck stretches, by dropping your chin down to your chest and slowly rolling your chin side to side. Another great option is doing a seated cat cow stretch. On an inhale, arch the back and tilt your head up and on an exhale round through the spine and let your head drop forward.

Ensure both feet are rooted firmly on the ground during both exercises,” says Meredith Durksen, Yoga Teacher & Mental Health Counsellor at Modern Health Chiropractic.

Let’s face it, exercise isn't just good for your body and well-being, it's also good for productivity.

A study conducted by Briston University in 2020 showed that on days employees worked out, they reported 21% better concentration, 22% better chance of completing tasks on time, 25% fewer unscheduled breaks and 41% felt more motivated to

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|| Expert contribution by: finish their work.

Working out didn't mean sweating to the oldies or hitting the gym hard, either. These results occurred when the participants did 30 minutes of moderate exercise in one hit or combined ten to 15-minute bursts at least five days a week.

Moderate exercise is achieved by when it results in breathing slightly heavier than usual but able to hold a conversation, and when your body feels warm, but you're not overheated.

An increase in moderate exercise can be an achievable goal.

Laura Ip, Head Coach at Underdogs Boxing Club in St. Catharines, recommends some specific movements that can supercharge your desk workout.

"Some great exercises to do at your desk are squats and pushups. For squats, stand with your feet shoulder-width apart, toes turned out slightly, arms extended in front of you, and – with your chest and eyes up – squat as low as you can. Return to standing and squeeze your glutes. Keeping arms parallel to the ground as you squat will help work your core muscles,” instructs Laura.

“For push-ups, place your hands against the edge of your desk in line with your shoulders.

Place your feet back as far as you can from your desk, so you're on the balls of your feet, your body in a plank position. Lower yourself toward your desk, keeping your arms close to your sides. Focus on what your core, triceps, and chest are doing as you press back up." Says Laura.

It's important to stay active for many reasons because fitness isn't the only thing that suffers when you're inactive. Your mobility can also be affected. Older people who are physically active for less than three hours a week are more likely to develop trouble walking than active

seniors. Getting enough activity is an investment in your future health and overall longevity of a higher quality of life.

Adding some modified yoga to your workday can also be the perfect health boost if you cannot get away from your desk.

An example of an adapted yoga pose is the seated spinal twist. To get into position:

Laura Ip

1. Sit sideways, so the back of your chair is at your side, and place both feet flat on the floor.

Founder and Head Coach, Underdogs Boxing Club

2. Twist towards the back of the chair and hold it with both hands.

Complete your reps on one side and then turn so the chair's back is at your other side and repeat.

"Regular yoga practice is invigorating, strengthening muscles, and improving body awareness. It also helps cultivate a clear and relaxed mind, sharpens focus, and reduces stress.

Adding yoga into your daily routine ensures a supple body and mind," says Meredith.

Rest assured, if your job requires you to sit for long stretches, there are ways to add bouts of movement and exercise into your day, even if you cannot leave your desk to do it. We encourage you to try some of these movements and experience an overall improvement in your personal productivity and overall well-being.

Laura is an experienced Head Coach and Trainer at Underdogs, a fully inclusive, fully accessible boxing club offering recreational boxing programs to cis and trans women, men, youth, and all non-binary people.

Underdogs also provides programs for women-identifying and non-binary survivors of violence. Laura is also the Project Coordinator for OUTniagara, aimed at advancing 2SLGBTQ+ Equality in Niagara+.

Meredith Durksen Modern Health Chiropractic Yoga Teacher & Mental Health Counsellor Meredith is a 200hr RYT with additional trainings in Trauma Informed Yoga and Yoga of 12 Step Recovery (Y12SR). Born and raised in St. Catharines, with a background in counselling and a passion for helping those in need, Meredith brings a nurturing and approachable vibe to her yoga classes. Meredith creates classes that stretch and challenge the body, while helping her students to tap into the connection between mind, body, and spirit.

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Mergers Acquisitions

Strong activity continues in mergers, acquisitions, and divestitures

by Jon Edgett

A

s Canada moved into the second half of 2021, merger and acquisition (M&A) transactions remained active, indicating positive investor sentiment against the continued pressures of the global pandemic.

amounts of uninvested capital • Strong investor sentiment, despite uncertainties due to the risks surrounding Covid 19 variants and concerns regarding the outlook for inflation

The total value of M&A transactions in Canada during the second quarter of 2021 remained high at $5.7 billion, across 85 transactions. This was slightly down from $5.8 billion for the previous three months - the highest quarterly mid-market deal volume in Canada since the fourth quarter of 2017.

The chart to the right summarizes transaction volume by sector (sectors as defined by the S&P/TSX Composite Index). The mix of transactions shows particularly high volumes in health care – specifically cannabis-related materials, and energy.

• Strong public equity markets, which support acquisitions by publicly listed companies • Low interest rates, which increase the ability of buyers to raise debt to finance acquisitions • Private equity funds with significant

finance & investment

What is driving the high levels of M&A activity? The current analytic manifests interest in transactions supported by several factors, including:

• Health care accounted for 21 percent of total deal volume with 18 completed deals.

Canopy Growth Corporation closed the largest mid-market health care deal in the quarter, acquiring The Supreme Cannabis Company Inc. for $421 million.

• Materials accounted for 21 percent of total deal volume in the quarter, nine of which related to gold mining.

• Energy accounted for 16 percent of total deal volume, up from 11 percent in the previous quarter, with activity supported by higher oil prices.

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North American equity markets continued to post gains in the second quarter, which showed the fifth straight quarter of market gains. Ten sectors posted positive returns, including energy and information technology, which led the market with double-digit percentage gains.

Jon Edgett Partner and Managing Director MNP Corporate Finance

Canadian dollar and national economy Commodity prices continued to increase during the second quarter, with demand outstripping supply, resulting in a positive impact on the Canadian dollar. The Canadian dollar ended the second quarter at 1.24 USD/ CAD, having appreciated by roughly three percent since the end of December 2020.

Canadian Real GDP is forecasted to increase two percent during the quarter, with expectations vaccination rates will continue to improve and industries that suffered from the pandemic begin to reopen. In turn, Canada’s unemployment rate is expected to drop slightly to 7.9 percent in the second quarter due to the recovery of labour markets in light of businesses reopening.

finance & investment

The consumer price index is expected to grow approximately 3.2 percent during the second quarter, with inflation rates hitting 3.4 percent in the quarter, the fastest pace in almost a decade.

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Trends in Southwestern Ontario MNP is witnessing strong buyer interest across many sectors including agriculture and food processing, manufacturing, automation and industrial Internet of things, recurring revenue businesses such as “software as a service”, transportation and trucking, and health-related businesses to name a few.

|

While varying on a deal-by-deal basis, purchase price multiples remain strong.

Nevertheless, M&A fundamentals listed below remain key to success: • Presenting historical growth, margin trends and customer profiles in a compelling manner • Normalizing historical earnings before income taxes, depreciation, and amortization • Presenting a defensible and attractive forecast with well defined growth prospects • Demonstrating staying power and a solid management team • Presenting the company’s attractive features and market opportunities • Showing the business in a positive light vs. competitors • Running a professional divestiture process to ensure optimal pricing and terms are achieved and confidentiality is maintained In conclusion, despite Canadian mid-market M&A activity softening slightly during the second quarter of 2021, continued equity markets strength and low interest rates have supported M&A deal making. And the increased activity during the first half of the year shines a positive light on investor confidence in the markets.

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Jon has held executive roles at leading firms for more than three decades. He is a leader in providing transaction advisory services, including divestitures, financing, due diligence and acquisitions. He can be contacted at jon.edgett@mnp.ca.

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UNIVERSAL

Basic Income

by Brandon Currie

Financial series: Part 4 of 6

This 6-part series explores Universal Basic Income (UBI), providing fundamental knowledge necessary to reach informed opinions.

n part 3 we discussed how a UBI program could be implemented in an unmodified form. Anything can work on paper, but what about reality? A no-brainer, assuming the conclusions reached in the Mincome experiment stating the workforce would not suffer a loss in numbers, holds true. So we begin by determining cost. Statistics Canada supplied the following data for the year 2019: To implement a non-taxed, no conditions UBI benefit of $2,500/month or $30,000/year, it would cost our federal government $911B. The programs it would replace currently represent $221B, meaning UBI would account for 67% of the total federal government’s revenue, leaving $330B for everything else.

These numbers do not work.

1. Using the average income of $58,700, CPP would be significantly underfunded as the employee would only be contributing on his/her remaining $28,700 of income.

2. The purpose of CPP is to provide a retirement income covering approximately 25% of a worker’s pre-retirement income.

If no contribution is being made against the $30,000 UBI benefit it would mean, based on the average income in Canada in 2019, that 51% of earnings are not being accounted for in the retirement benefit, greatly impacting retirement allowance.

Let’s explore the significant reduction of social programs. The following is a list of federal and provincial programs that would no longer be needed beyond the age of 18: Employment Insurance (EI) Federal Paid by both employee and employer to receive 55% of employment income, up to a maximum of $54,200 adjusted to inflation annually. The maximum benefit is $573.27/ week, taxed. ►►►

finance & investment

• 30,366,622 people aged 18+ • Approx. $284B total taxes collected • Federal contribution to social programs was $221B • General Government Revenues (all sources) totalled $940B • $58,000 average annual salary

To offset the $911B expense, we must challenge the basic tax-free, no conditions concept by inserting a small tax component and mandatory CPP contributions. An employee currently pays 5.25% on every dollar earned from $3,501 - $58,700, which creates a contributory base of $55,200 (58,700 - 3,500 = 55,200). If an earner does not contribute to CPP on the first $30,000 of income (the annual UBI) it creates two problems:

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Ontario Disability Support Program (ODSP) - Provincial Must qualify for the Disability Tax Credit (DTC), a form completed by a physician and adjudicated by the CRA. The maximum an individual can earn in 2020 while on ODSP is $6,000 annually, with an asset ceiling of $40,000 ($50,000 per couple) and no more than $500 per non-spousal dependent, otherwise, a claw back occurs.

Ontario Student Assistance Program (OSAP) - Provincial Is income-dependent and provides grants and loans for students pursuing post-secondary education. These students would be receiving UBI (provided they’re 18), making OSAP unnecessary.

Old Age Security (OAS) - Federal Taxpayer funded; income tested (dependent), this starts at age 65, is taxed and the maximum one can receive is $613.53/month. Claw back occurs once a retiree earns more than $79,054 in 2020 dollars.

Guaranteed Income Supplement (GIS) - Federal Taxpayer funded, and income tested, this is not taxed; however, only applies to those on OAS and with annual income lower than $18,600 (individual) or $24,576 (couple) to receive a maximum monthly benefit of $916.38 (individual) or $551.63/person (couple).

Canadian Child Benefit (CCB) - Federal Taxpayer funded, and income tested, this is tax-free consisting of a maximum annual amount of $6,765/child under the age of 6 and $5,708/child from 6 to 17 as of July 2020. Claw back starts when a family’s net income exceeds $30,000 annually.

From the latest applications of AI to blockchain-enabled business models to 5G networks, the most important technological innovations of the past year are reshaping the present and future of business.

These are only some of the programs that could be eliminated, streamlining administration. Individuals in favour of a UBI argue that it would benefit the less fortunate, as everyone would qualify, only needing to file a return and be a citizen. It could also be argued that much of the bureaucracy would be eliminated. We cannot, however, overlook that this is meant to be a universally beneficial program and should not benefit some at the expense of others. The implementation is a complicated issue and a bold proposition and ignoring that fact would result in failure.

You will understand why you must own gold. Then you will learn where, how, and when to both buy and sell gold.

The Portable Expert to Over 200 Distilleries and the Spirits they Make (From Absinthe to Whisky, and Everything in Between)

In my next article we tackle the impact of a taxed UBI on different groups, and its overall effect on the average Canadian.

Brandon Currie Brandon is a trusted advisor for CR Smith Financial, holding his CLU®, CFP®, CHS™ and RRC® designations. He can be contacted directly by phone at 905.687.4063, by email at info@SmithFinancial. ca or by visiting online at www.SmithFinancial.ca.

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BOSE Frames Tempo Audio Sport Sunglasses Designed for sports, engineered for sound-these sunglasses bring high-quality audio to your workout with revolutionary Bose Open Ear Audio technology. Listen to your music and surroundings simultaneously from their lightweight frame and sweat- and weather-resistant.

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finance & investment

Heath Wingtip Oxford Like a good buddy, you can count on these shoes. The Heath Wingtip Oxford is built for all-day comfort with our Bounce™ Plus removeable footbed, lined with a super cushy foam sole providing energy return and enhanced cushioning with every step. Plus, this lace-up dress shoe keeps you cool all-day long with a moisture-wicking lining. Crafted in soft suede or full grain leather, this casual oxford makes a great work or weekend shoe.

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Land Density, Development and a Changing Market

by Brandy Henderson

ANADA’S REAL ESTATE MARKET HAS SEEN AN ACCELERATION IN URBANIZATION TRENDS, REMOTE WORKING GROWTH, AND HIGHER INTEREST IN INDUSTRIAL AND COMMERCIAL SPACE BECAUSE OF THE SURGE IN ECOMMERCE.

Stephanie Winger, Realtor for Vision Realty, says “Several factors have contributed to our inventory shortage, including approvals for development and infrastructure availability.

Municipalities have not been able to keep up with demand for building. Bylaws and red tape have created a bottleneck for all types of construction - single family, multi-family, condominiums, and affordable homes.”

Southern Ontario is one of the hottest markets for population growth. An analysis

by Hemson Consulting reports that the

Greater Golden Horseshoe is estimated to have grown by 780,000 people in the five-year period between 2016 and 2021, representing an increase of more than 50% compared to the growth in the previous five-year period.

We simply cannot continue at this pace of low supply, and the pressure to expedite urban land densification is mounting. With continuous approved and pending changes to zoning across the provinces, there is more allowance for dense and affordable buildings like duplexes and triplexes in previously zoned single-dwelling areas. This change in density is also attracting a shift amongst buyers.

“Homebuyers are warming up to the idea of co-ownership. What worked in the past is not working any more and buying that dream home as a first-time buyer may not be realistic.

Purchasing with a family member or a friend is a great alternative. Costs are shared and the home ownership dream can begin! Owning a

multi family property (duplex or triplex) is also a fantastic investment - living in one unit and renting the other.” Says Stephanie.

By 2051, the Greater Golden Horseshoe area is forecast to reach more than 14.8 million people and 7.0 million jobs. Intensification and higher density strategic growth are a provincial priority, making more efficient use of both land, infrastructure, and transit.

As referenced in A Place to Grow: Growth Plan for the Greater Golden Horseshoe, “Urban centres will be vibrant and characterized by more compact development patterns that support climate change mitigation and adaptation, and provide a diversity of opportunities for living, working, and enjoying culture.

The evolving regional economy of the GGH will continue to mature into an economic powerhouse of global significance. It will function as Canada's principal international gateway.”

finance & investment

The overall intrinsic value of a home has increased, because of the impacts that COVID has had on our lifestyles our homes are now also our workplace, our school, our gyms, our staycation spots and truly our overall lifeline. And yet, the demand for any kind of space has never been higher. To stabilize the market, a substantial increase in new development and urban intensification must occur.

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►►► As planners intensify and increase land density in urban areas and the available market of multi-dwelling properties grows, the value of traditional single-family homes increases even further.

Providing trusted and competitive insurance service for over 120 years.

“Single family homes in large markets such as Toronto and Vancouver are already a luxury purchase - while smaller markets may not see the same extreme price tags, single family homes will rise in commodity. Towns and cities are growing and the only way to expand is by creating more dense property buildings and condos and allowing secondary dwelling units.” Says Stephanie.

As while the inventory and commodities change, so do the buying habits.

“The pandemic provided clarity for people in many areas of life, especially with housing needs. Location no longer became the main factor. Working from home and new arrangements provided the need for home offices as well as the option to live further from work, or even in an entirely new area. I've noticed more out of province moves as a result,” says Stephanie.

And what about the varying family dynamics, changing support systems and a greater need to be together? Stephanie agrees that buyers have responded to that as well in their purchasing habits. She says “Some families recognized they need more space after being cooped up for several months, while others realized they had too much space and loved the togetherness. Combining households with grandparents or adult children is a new trend, with limited inventory and prices climbing sharing the expenses just makes sense. Working parents have been left without childcare and need help with online learning. Having grandma and grandpa at home eases stresses and builds family bonds.”

This pause created by the pandemic gave an opportunity for people to consider what is truly important to them, and these socio-economic shifts in lifestyle have only intensified the need for accelerated, wellplanned urban intensification.

Sources https://www.hemson.com/wp-content/uploads/2020/08/HEMSON-GGH-Growth-Outlook-Report26Aug20.pdf https://files.ontario.ca/mmah-place-to-grow-office-consolidation-en-2020-08-28.pdf

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Visit us online or call for a quote today.

905.835.2417 cmsteeleinsurance.ca

Stephanie Winger Real Estate Agent Vision Realty Stephanie is an accomplished agent who brings experience, strategic vision and a personable approach to the home buying and selling process. Drawing from years of experience, Stephanie has built a reputation for her refreshingly friendly service and dedication.

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INFORMATION FOR THE NEXT LEVEL OF SUCCESS

“An individual has not started living until he can rise above the narrow confines of his individualistic concerns to the broader concerns of all humanity.”

– Martin Luther King, Jr

Unity, not uniformity, must be our aim. We attain unity only

through variety.

Differences must be integrated, not annihilated, not absorbed.

– Mary Parker Follett

“I think... if it is true that there are as many minds as there are heads, then there are as

many kinds of Love as there are hearts.”

– Leo Tolstoy

When I was a young man, I wanted to change the world.

I found it was difficult to change the world, so I tried to change my nation.

When I found I couldn't change the nation, I began to focus on my town. I couldn't change the town and as an older man, I tried to change my family.

Now, as an old man, I realize the only thing I can change is myself, and suddenly I realize that if long ago I had changed myself, I could have made an impact on my family. My family and I could have made an impact on our town. Their impact could have changed the nation and I could indeed have changed the world.

— Maurice Strong

the edge

When we listen and celebrate what is both common and different, we become a wiser, more inclusive, and better organized.

— Pat Wadors

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“I do think that treating everyone equally no matter where they come from, no matter who they are and what role they have is a big key because you never know who you’re talking to, really. You never know where they’ve been. You never know where they’re going. So, it just makes a lot of good sense to treat everyone the same and treat them well.”

– Arlan Hamilton

“

I alone cannot change the world, but I cast a stone across the water to create many ripples.

can

”

— Mother Teresa

“I'm not a

minority:

I'm a majority of one.

We all are. To call someone a minority, you give them baggage, of not being full, or not being seen as full. All of us need to be seen as full human beings.”

– Jose Antonio Vargas

“Our ability to reach unity in diversity will be the beauty and the test of our civilization” — Mahatma Gandhi

you are home!

This single word describes so many critical paths, initiatives, world shifts, and required changes to protect both our planet, ourselves, and one another.

Sustainability has become a buzz word amongst western civilization – it has become a goal to adopt a more sustainable lifestyle. When in fact there is much of the world that a sustainable lifestyle is the only option for survival.

To live off the land and to innovate with nature, not against it.

We are all interconnected, as people to one another and as people to the earth.

Chief Seattle, in 1854, wrote: Humankind has not woven the web of life. We are but one thread within it. Whatever we do to the web, we do to ourselves. All things are bound together. All things connect.

We are amidst surviving one of the greatest tragedies our world has ever seen, proving that our interconnectivity is very real, acting as catalyst to challenge and begin changing how we live to allow us to repair and prolong the life of our planet.

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The Art of Sitting:

by Erin King

T

here is an unspoken art to seating arrangements that can dramatically impact your business and your professional performance.

Whether you are hosting or attending a meeting, taking a few minutes to reflect on how you organize and approach the physical act of where and how you and others may sit can improve the outcome of future meetings and contribute to a more effective environment for all.

Specializing in business strategy and consultation, Neil Thornton, President of the Thornton Group, possesses highly unique expertise understanding human psychology, behaviors, and body language cues. For 20 years he has shared his experience with businesses in Niagara, Hamilton, and the Greater Toronto Area.

“Several organizations are taking the table out of the equation when planning a meeting, encouraging complete openness and in the dialogue.

It is also a physical way to remove any perceived dominance,” says Neil Thornton, President of The Thornton Group. “More meetings are being held in open, outdoor spaces, walking meetings around the building or in the parking lot. There is a lot to be said for a ‘around the campfire’ discussion amongst a team or a group of leaders.” Said Neil.

TAKING A SEAT Upon entering a meeting, there is merit behind selecting a seat that is conducive to how you want to represent yourself throughout that conversation.

• The ends of a rectangle-shaped table are the power seats reserved for the leader and challenger or closest ally.

• Directly left and right of the head are the second most powerful seats.

• If you take a middle seat in a larger group, you'll blend in, so you'll have to work a bit harder to be heard.

• Sideline seats are for junior team members or those who don't want to participate.

“When I join a meeting that has a large table like a boardroom table, I choose a seat along one end of the length side, not in the centre, so that I have a good vantage point to listen and observe,” says Neil.

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|| Expert Contribution by:

CHOOSING THE RIGHT SETTING When planning a meeting, consider the audience for the meeting and the intended results.

Is the purpose to encourage an open brainstorming session amongst a team, or deliver a specific agenda from an authoritative perspective, or a one-on-one session to deliver constructive coaching? Choosing the best setting for type of conversation is essential.

SQUARE SEATING

CIRCULAR SEATING

Often reserved for smaller conversations, a square table creates an opponent across from you and an ally beside you. This kind of setting, especially with a group of 4, can subconsciously shift a conversation in an unproductive manner and is discouraged where possible.

Sitting around a circular table or seating area does not have a physical “head” of the table seat, offering equal positioning and can lend to more fluid and transparent discussion.

RECTANGULAR SEATING Rectangular tables or desks create a more professional conversation space, while allowing people to select a comfortable position at the table that encourages direct eye contact and formal dialogue.

Neil Thornton President The Thornton Group Neil specializes in business strategy planning, development, coaching and business training and HR recruitment. Neil has a unique talent for understanding the psychology behind employee behaviour, engagement and corporate culture and vision.

Many positions have different meaning when combined with others

BE AWARE OF YOUR POSITIONING While many body language cues are dependant upon many environmental factors specific to a scenario and its surroundings, paying attention to these cues can not only help you read a room and adjust your messaging as needed, but can also help you be more aware of your own personal movements as it relates to your how you feel in certain circumstances.

“A quick way to identify comfort or discomfort is through foot posture and positioning,” says Neil. “Emotion and intention are most honestly represented in the feet because of our primal instincts.

As noted in my upcoming book release, the feet and legs have been the most representative of the freeze, fight or flight mechanism of movement and reaction, not requiring high level thought through

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cognitive processing. Like being exposed to danger or even frightened our feet are the key body parts to react.” Said Neil.

“It’s best to avoid making quick assessments, as the combination of movements is often key. Observe changes associated with the situation, for example beginning a meeting with an audience crossing their arms may shift as the dialogue opens up, and it’s important to see those cues as well,” says Neil. “My best advice to leaders is to change it up often, from the space that is chosen to where and how you personally sit,” says Neil.

Making a conscious effort to acknowledge the setting and the seating can go a long way, and whether you are leading or attending a meeting, observing the cues and behaviours of yourself and others can provide tremendous benefit to ensuring more productive outcomes.

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For example, a crossed leg can represent a barrier if hands are clasped on the knee or the upper body is closed off, whereas a crossed leg can show ease and comfort when the upper body is more open.

Some other cues worth noting are: •

• •

•

Sitting Up Straight: Often displays confidence, strength, and of course good posture.

Sitting Reclined: Can indicate an analytical or considerate mindset.

Crossing Arms: Can reveal strength and confidence, but could also be defensiveness, or simply a measure of holding in physical warmth.

Folding Hands in Lap: Often represents a sense of calm, peace, or kindness.

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Now a successful business professional, Jessica wants to help continue to shed light on mental health. She has put her story on paper in this heartfelt, gut wrenching depiction of one mother’s struggles with postpartum depression.

buy now

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