Business Magaizne Issue 56

Cover
W W W. M B E F O RYOU. C O M MBE BUSINESS MAGAZINE JUNE / JULY 2020 01

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02 MBE BUSINESS MAGAZINE JUNE / JULY 2020 W W W. M B E F O RYOU. C O M
Editor
Message

Optimism Is Necessary In Your
Fight Against Corona
Syed mANSOOR Naqvi
PRESIDENT MBE
Covid-19, as we all know is the however, this is the best time to come especially, if you feel any symptoms
current crisis that the world is out of such a situation. of COVID-19. Please make sure that
undergoing and we are all facing environment you are living in doesn’t
testing times. It’s my request to all Money is not the answer to the harm people around you. As part of
employees of MBE Inc. that are in current situation, it’s about the our CSR i.e. Corporate Social
Pakistan, Canada or United States, survival, and therefore, we all must responsibilities, we are giving
please stay united in this critical time ensure that we stay like a team awareness measurements with
and don’t panic as panic is not the wherever we are. Appreciation for all ground realities to all our customers.
answer. It is neither the solution to our employees whether in Canada, This is especially for those customers
what’s happening as it would only Pakistan or USA is important to help that are coming to our hotels i.e.
make things worse for us and for the each other and motivate with Senator and Algonquin Inn. We can
company. Stay positive and stay safe optimism. Soon, by grace of Almighty reduce tensions together, as humans
at home as we all know Corona has we shall come out of this situation. have different mental levels. As some
taken so many lives all over the people in such a scenario can panic
world. I am truly blessed to be in a WHY OPTIMISM IS NECESSARY: and can get themselves and others
country i.e. Canada, which is highly It’s not that optimism is important, it’s into more stressful scenarios. Prefer
equipped to handle all kinds of the only way we can handle a staying home, as it is important in
extreme and disastrous situations. situation like ‘COVID-19’. Please stay current times, especially if you are
The world has been facing pandem- alert if you are at home, or working not feeling well or under stress.
ics since 100 years, maybe more, by any chance, consult the doctor

As President of MBE Inc. I am highly aware of my
roles and responsibilities. I believe that in such a
scenario thinking positively is mandatory. Food is
everyone’s requirement and we must have good and
healthy diet to avoid stress. Please share your work
load while working from home and respect each
other without lying. What’s important is that employ-
ees have trust on each other, and what they are
doing as a team.
MBE Inc. is highly aware and silently observing all

employees, as it’s our duty to provide protection
whether it’s financially or emotionally. Govt. is
introducing policies of change regards to the current
crisis, this is all part of their positive gestures. As
what’s important for Canadian Govt. is to get out of
this situation rather than getting money from the
people. A positive gesture always helps in getting out
of extreme situations, i.e. situations we have not
created for ourselves.
EVERYDAY IS CRUCIAL IN YOUR FIGHT AGAINST ‘COVID-19’:

Even if we are away from work, or working from
home, what counts is our strategy and agendas
every day. What can we give to our future leaders and
ambassadors if we can’t fight the current pandemic
named ‘COVID-19’? No army can fight the virus, but
if we as human race are together we can always fight
it out. Please give importance to each and everything.
Wash your hands regularly, and create an environ-
ment of change. Our employees in Canada, Pakistan
and USA, should all feel self-motivated to fight the
current pandemic. Save the planet, save your country
and save yourselves.
APPRECIATION TO INVESTORS:
I would like to give special appreciation to all my
investors and merchants. Thanks for staying there
and thanks for being there, as this is a situation we
all are facing. I am pretty sure it’s just a timely
scenario and once we are free from this, our relations
will be stronger and we must have good working
bonds with each other. What’s more important is the
goodwill that we have invested in each other and
created a bridge of trust.

Covid-19 and Government’s
Incentives on
Small Businesses
SYED MAHMOOD NAQVI
Vice President | MB Enterprises
The Govt. of Canada has been playing its role responsibly Canada, as a country has shown a huge fighting spirit
since the start of the COVID-19 pandemic. This is also been against ‘COVID-19’, as most economists agree on the same
evident to a huge extent in the financial sector and while accord. They are specific and precise that it’s a great threat to
making things economically stable. A well planned strategy so the Canadian economy especially affecting the real estate.
that businesses can recover themselves in the wake of the The real estate sector has been most affected by the current
recent happenings regards to ‘COVID-19’. It’s not only a pandemic and its effects are growing every day in terms of
national level threat, but it’s a global challenge that has financial and investment losses.
affected many lives as well as the economy.
However, scenarios can fluctuate and things can normalize
Unemployment can be a major cause that needs to be dealt but it highly depends on how quickly the world can be free
with, as there has been huge financial losses. The travelling from coronavirus. Although, the pandemic is highly deadly
and tourism sector in Canada has also been affected to a and dangerous in terms of loss of life. It has also been the
larger extent that in couple of decades. cause of many financial losses in parallel.
JUSTIN TRUDEAU’S ANNOUNCEMENT: THE MOST ELIGIBLE BUSINESSES:

Hence, the announcement was made on March 27, 2020 that For the business to take full advantage of the current policy
banks and financial institutions shall be offering loans that will developments it has to fulfill the eligibility requirements set by
be 1 year interest free based on the requirements of the the Govt. of Canada.
businesses. In the same announcement Prime Minister,
Justin Trudeau also said that the Govt. can waive off $10K if As part of the eligibility, the business should be an operating
the businesses are unable to pay and can give proof of their company that is based in Canada. It should have an annual
circumstances. This loan shall be beneficial for SME’s mainly payroll i.e. between $50K and $1million to fall in the category
to pay off the operating costs that can’t be deferred due to of small businesses. Hence, finally the application must be
‘COVID-19’. The interest of the employees in managing the paid by your primary bank i.e. the one that the business uses
loans holds huge priorities for the Govt. & similarly Justin for its everyday activities.
Trudeau. These priorities are regards to the job security and
retention as govt. policies are strictly in favor of employees all The eligibility is highly important making things easy for the
over the great country Canada. The recruitment and most deserving candidates and companies. It definitely eases
retentions policies all over in Canada has seen many things for the Govt. in the long run as the Govt. doesn’t want
changes and fluctuations. The main reason for this movement to spend their resources on those who are not deserving.
is the level of risks that companies have than it was Pre Business eligibility means, either the business shall be able to
Covid-19. return the amount within the decided time or convert the loan
into the convertible loan option. However, the chances to end

up being a loan defaulter are the least in the current policy financial recovery through loans provided by Govt. The
framework. company MBE accounting is providing its services of consul-
tancy, paperwork and taxation matters, as well as rest of
A CONVERTIBLE LOAN IN 3 YEARS TIME: other mandatory tasks needed for the loan application. It is
In case if the loan cannot be paid by the 31st Dec 2022 the providing very useful information and helps in the processing
loan can be converted into a 3-year term loan i.e. with an of loans through a diverse team of experts and accountants.
interest of 5%. This is another key benefit associated with the The company is highly motivated for its clients once they are
loan that makes it a good recovery option for the SMEs. The with MBE Accounting and has always proved in the past.
flexibility options associated with this loan is a huge advan-
tage for the most affected businesses in the current financial Hence, goodwill is what matters in the financial industry,
crisis. where the trust factor is limited due to many reasons. It’s the
reputation in the financial industry after years and years that
LOAN AVAILABILITY AND MBE ACCOUNTING’S ROLE: counts most for clients.
The loan shall be available for public in the beginning of the
6th of April 2020. All the financial institutions and the Banks
shall not accept any applications until that time. Its availability
amid coronavirus makes it one of the most featured options
for business sustainability and recovery.
MBE Accounting is playing a huge part in this regards i.e. the

A History of the Worst Epidemics
and Pandemics An Overview
of the Most Recent SYED ALAMDAR HUSSAIN
Country Head - MB Enterprises
This world has witnessed many plagues, epidemics and Hence, the most recent of the pandemics are discussed
pandemics, also in recent past, the industrial revolution age, below with key facts;
during World Wars and the medieval ages. These pandemics
include swine-flu, AIDS pandemic, E-bola, Zika Virus, the 1. ZIKA VIRUS EPIDEMIC: 2015- PRESENT DAY
Russian, Spanish and French pandemics and the current one Zika Virus is a current day pandemic in the region of Central
i.e. ‘COVID-19’. America and South America
The origination of these different pandemics and epidemics It spreads through the mosquitoes of the Aedes genus,
has been from many different regions like the AIDS or HIV is however, the virus can also be transmitted sexually in
a deadly pandemic that originated from West Africa. It’s humans. Zika virus might not be harmful to the adults and
important in the current times to have a know-how and history children. But, it can attack infants’ i.e. new born and infants
of these pandemics that took many lives and has been linked who are still in the womb causing complexities during child
with huge devastations globally. These pandemics and birth.
epidemics also has a huge significance in medical history
with relations to research & development for scientists of the The mosquito type that caries Zika virus can flourish and
modern ages. survive in warm weather and humidity. That’s why it flourishes
in South America, Central America, & parts of United States.
Medical science is now far more equipped with technology
and can identify how we can get ourselves safe from a 2. E-BOLA EPIDEMIC - 2014 – 2016
pandemic’s threat. ‘Covid-19’, the medical name of coronavi- E-bola, the most recent epidemic that started in West Africa
rus has already taken over one hundred thousand lives all in 2014 has been the cause of many deaths i.e. approximate-
over the world and is a cause of lockdowns in many ly twelve thousand and thirty thousand reported cases in the
countries. world. Just like AIDS this epidemic also originated from

Africa. The disease was quick in its spreading as it started flu that started during the World War I, was named Spanish
from Liberia and Sierra Leone. flu.
According to scientists the virus may have originated in bats However, there were other countries that were also involved
and still has no cure. and highly impacted from the flu but its name ended up being
the Spanish flu. One fifth of the population that were victims
3. SWINE FLU PANDEMIC- H1N1- 2009-2010 of the flu died.
Swine Flu pandemic has been more fatal in terms of death as
compared to the current pandemic COVID-19. It originated in 7. AMERICAN POLIO EPIDEMIC: 1916
2009 from Mexico as it spread in the rest of the world. Started from New York City in the USA and was not such a
According to the stats, the virus killed almost five hundred devastation but still caused six-thousand deaths and approx.
thousand people all over the world and is reportedly one of twenty-seven thousand cases reported. The Polio epidemic
the most dangerous pandemics in history. was mainly in children and was a cause of disabilities.
The pandemic caused more deaths in young people i.e. 8. FLU PANDEMIC: 1889-1890
children and young adults. 80% of the deaths that occurred Started from Russia from Saint Petersburg and made its way
were people younger than sixty-five years old to Europe and the rest of the world. This happened despite air
travel didn’t existed as yet. It was in just a week’s time during
4. AIDS PANDEMIC AND EPIDEMIC: 1981- PRESENT DAY the industrial revolution that the flu spread and killed one
People all over the world are still most scared with AIDS million people, most mortalities in Europe.
known medically as HIV and it originated from Africa. One of
the most deadly since it was identified, has taken approxi- 9. RUSSIAN PLAGUE – 1770 – 1772
mately thirty-five million lives all over the world. The disease Another disease that originated from Russia in 1770 and
likely developed from a chimpanzee virus from West Africa in started exactly from the current capital Moscow. By the time
the 1920s. the plague came to an end it proved devastating in two years
and took hundred-thousand lives nearly the count of pandem-
7.259 in
5. ASIAN FLU: 1957 – 1958 ic COVID-19. The empress of Russia, Catherine II, ordered
Another deadly flu known as Asian flu pandemic was a cause fast restoration and in desperation she ordered the movement
of many deaths globally. The roots were in China and claimed of all the factories from Moscow.
1 million lives. The first case was reported in Singapore in
1957 and then in Hong Kong same year and similarly in USA 10. THE GREAT PLAGUE OF MARSEILLES- 1720-1723:
later in year 1957. The total toll went up to one million all over This plague originated from Marseilles, France and is known
the globe and USA alone reported over hundred-thousand as the Great plague of Marseilles. Started from a ship that
deaths. quarantined and docked in Marseilles and was a cargo
6. SPANISH FLU: 1918-1920 vehicle. The plague got into the city through infected rodents
There was an estimated five-hundred million people from the and spread quickly killing hundred-thousand people in
South Seas to the North Pole that fell victims of the flu. The Marseilles.

SYED MANSOOR ALI NAQVI
AUTOBIOGRAPHY
“As a mentor a person gets

paramount importance
from their followers, but
success comes from true
following & demonstration
of work- MENTOR
–CHAPTER 11”
The Autobiography of Mr.

Syed Mansoor Naqvi, The
man who made it possible
just with a vision and a
dream in his eyes.
“A Successful Canadian
Entrepreneur”

Abundance of Meat
with nowhere to go!
STUART HIMMEL Staff Writer
While we are sequestered at home or who can refer you. The suppliers
thinking the world will never be the that did 100% food service now have
same and we have to stock up on to build a whole new network.
paper products because there will be
a shortage, certain food products are Before the closure of restaurants,
feeling the pinch as well but not for wholesaler The Butcher Shoppe,
the reasons you may think. Signs shipped tens of thousands of pounds
are popping up at our local supermar- of meat a day to about 2000 different
kets limiting the purchase of meat retailers inclusive of restaurants,
products which makes shoppers casinos, schools and hotels. Now
think there is a meat shortage. they have fresh inventory with
Not true at all! nowhere to sell it. They either have to
try to sell it or put it in the freezer to
The province of Ontario has plenty of avoid throwing it out. Although there
meat. A lot of that was intended for has been a spike in business
the restaurant industry. With recently, the increase is not enough
COVID-19, many restaurants have to offset the amount of inventory that
been forced to shut their doors and they currently have.
either close temporarily or ramp up
their take out efforts in order to just When you look at the food service
pay the bills. With the influx of meat, industry, a good percentage of meat
suppliers just have to figure out a and vegetables packaged for
way to get it into the hands of the restaurants aren’t meant for home
supermarkets and in turn, to the consumers because they don’t have
homes of hungry families. the money to buy 100 lbs of brisket retailers to repackage the product into smaller
or the freezer space for it. Darryl portions for the consumer. It’s not something
Franco Naccarato, executive director Koster of Buster Rhino’s in Whitby, you can instantly adapt to but the industry is
of Meat and Poultry Ontario, states sells prepared barbecue meats and in a crisis and Sysco wants to step up to
that “our food system can produce a pork rinds on a wholesale and retail supply the food system to help our customers
lot of food but can’t change quickly. level. His chicken supplier has been continue to feed their communities.
Many restaurants and food service selling chicken wings $2.50/kg less
suppliers have lots of fresh product than usual since bars and restau- Innovation is the name of the game and
but don’t know how to get it into the rants have closed which has resulted suppliers, more than ever, have to innovate
retail market”. He compared it to in an excess of wings. Sysco during this most difficult time. Until a sense of
being told to stop talking to your Canada who is a service provider for normalcy returns to the world, meat suppliers
friends and everyone else in your restaurants, arenas, hospitals and will have to find a way to get their abundance
network and making a whole new set schools stated that they have started of inventory into the consumer’s hands
of friends in a day. Its two different to ship to retailers who are running instead of those of the restaurant and food
worlds. You don’t know who to talk to low on meat. They say it’s up to the service providers.

MBE
YOUR SUCCESS IS OUR PASSION
inc.
ACHIEVE SOCIAL DISTANCING MEASURES VIA

THE SOCIAL DISTANCING APP

“THE BEST USE OF TECHNOLOGY IN
C U R R E N T T I M E S O F PA N D E M I C "
TEL: 1-866-667-1377
EMAIL: COVID-19@RMACANADA.COM
WEBSITE: WWW.MBEFORYOU.COM
MAINTAIN FINANCIAL
FLOW AND INVEST WISELY
WITH 25 YEARS OF EXPERIENCE IN
BUSINESS LOANS
DOING
DOING BUSINESS
BUSINESS ACROSS
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AMERICA INCLUDING
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THE U.S,
US,
BUSINESS FINANCE, BEACON SCORE 550 AND UP,
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- Franchise Financing - Equipment Finance
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CONTACT
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ADDRESS: 3550 Victoria park ave. Suit #309 Toronto, Ontario, M2H-2N5
WEBSITE: www.atlassconsulting.ca
PHONE : 1 (877) 341-5222 - 647 341 -5222
POS TECHNOLOGY
and the Importance of Contactless
Payments
DMM DEPARTMENT
MB Enterprises
Modern POS systems have a distinct functionality known as contactless POS technology. ‘Contactless’ or having no physical
contact as the word clearly describes is a necessity of the modern shopping environment. This is highly critical as we are experienc-
ing the drastic circumstances due to COVID-19 and social distancing is the order of most developed countries. POS systems have
been introduced in most modern countries in this digital age.
It’s a growing reality that signifies the importance of time, safety, and above all having least physical contact. Having minimum or
least possible contact is the necessity of the modern shopping environments.
According to many experts, it’s just not about maintaining a social distance. What’s most important is that your physical contact
doesn’t bother you or someone close to you.
HOW IT WORKS:
As we are in the age of plastic money and most transactions are either done online on instore using the cards i.e. Debit cards or
Credit Cards. This works very effectively for the benefit of both the customer and customer service. Once you are paying your bill,
you just have to bring your card close to the ‘WIFI’ symbol on the POS device, and your payment gets processed. Hence, saving
time and also making things safe for the environment.

CLOVER FLEX
Clover flex is a POS device that accepts all major cards
including the debit and credit cards.
The key features included for payments are:
• Apple Pay
• Android Pay
• Samsung Pay
Paying without contact with Safety, peace-of-mind and
Security. Furthermore, the payments are fast and transparent.
POYNT
A POS device with an ultimate payment flexibility.
It is up to the customers,
and they can pay via both Chip and Pin.
The Key payments features included are:

Android Pay Apple Pay
Paying flexibility without any hassles.
All payments are safe, secure and
contactless.
Just for the goodness of customers.
TEL: 1-866-667-1377 | COVID-19@RMACANADA.COM

WWW.MBEFORYOU.COM
Economic Inequality
Revealed Through Quotes
and Numbers
The Infinitesimal versus the Illimitable: Big Business, Big Government
and the ‘Marginalized Electorate’ – Part Four (a) (i)
DAVID RALPH MACKERETH
dmackereth@canimac.com
“Such a mosaic image of numerous data and quotations in level.” Freeman J. Dyson, The Face of Gaia (1990)
evidence offers the only practical means of revealing casual
operations in history.” Marshal McLuhan, the Gutenberg “The first man who, having enclosed a piece of ground,
galaxy (1962) bethought himself of saying ‘This is mine’, and found people
simple enough to believe him, was the real founder of civil
“So I will not apologize for going both to the sages of the past society.” Jean-Jacques Rousseau, Discourse on Inequality
and to our contemporary philosophers to find language, (1755)
contexts, and ideas to frame my search for new principles in
physics.” Lee Smolin, Einstein’s Unfinished Revolution (2019) “The world is a dangerous place to live; not because of the
people who are evil, but because of the people who don’t do
IT’S NOT THAT COMPLICATED anything about it.” Albert Einstein (1879 – 1955)
We now live in a McLuhanesque Village, but this connectivity
may be the only way to avoid the ‘Sixth Extinction’. The “It is, in fact, far easier to act under conditions of tyranny than
Village is made up of 2.2 Billion children and 5.6 Billion it is to think.” Hannah Arendt (1906 – 1975)
adults, out of which the 1% make up 56 Million. The remain-
ing 5.544 Billion adults must work collectively on Our Home “The idea of freedom is authentically, if not exclusively,
Planet – to make the One Person, One Vote as meaningful as human. Outside the human universe it is unknown and
possible. This time we will explore Economic Inequality inconceivable.” Milovan Djilas, Toward an Imperfect World
through quotes from the great thinkers of the past and (1990)
present, along with an explicit look at some simple charts.
“The more I am attached to things the more I myself become
“There never was a sounder logical maxim of scientific a thing and thus diminish my existing.” Stephen Spender,
procedure than Ockham’s razor. That is to say; before you try What I Believe (1990)
a complicated hypothesis, you should make quite sure that no
simplification of it will explain the facts equally well.” Charles “To be ignorant of what occurred before you were born is to
Sanders Peirce (1839 – 1914) remain always a child.” Cicero (106 BCE – 43 BCE)
“Out of the crooked timber of humanity no straight thing can “You resemble the thought which you conceive.” Johann
ever be made.” Immanuel Kant (1724 – 1804) Wolfgang von Goethe (1749 – 1832)
“Over himself, over his own body and mind, the individual is “The human mind likes a strange idea as little as the body
sovereign.” John Stuart Mill (1806 – 1873) likes a strange protein and resists it with a similar energy.”
William Ian Beardmore Beveridge (1908-2006)
“Without greed, we would not have survived at the individual

WORLD POVERTY
Percentage of Popula�ons Living Within the Following Daily Incomes
Population (3) US $ 5.50 US $ 3.20 US $ 1.90

Australia 25,400,000 1.2 1.0 0.7
Bangladesh (i) 164,200,000 84.5 52.9 14.8
Canada 37,400,000 1.0 0.5 0.5
France 65,200,000 0.2 0.2 0.0
Guinea (ii) 13,000,000 92.3 70.3 35.3
Hai� (iii) 11,400,000 78.9 50.8 25.0
Nigeria (iv) 204,500,000 92.1 77.6 53.5
South Korea 51,300,000 1.2 0.5 0.2
“Staring at the screen so we don’t see the planet die.” Kate treating poorer countries, in the same way that the 1% treats
Tempest, Tunnel Vision (2016) ‘The 99%’. In very simple words, Mahatma Gandhi warns all
humans in his 1926 ‘Non-Violence – The General Force’: “But
“[…] language matters: let us no longer use the word ‘gun’ but the economic war is no better than an armed conflict.” Other
the phrase ‘highly dangerous killing instrument’, and perhaps voices echo this modern war variant and suggest that any
perceptions will change.” A. C. Grayling (2015) (1) change will be slow.
WORLD POVERTY “The weak are always anxious for justice and equality. The
Percentage of Populations Living Within the Following Daily strong pay no heed.” Aristotle (384 BCE – 322 BCE)
Incomes: (2)
“The weak can never forgive. Forgiveness is the attribute of
(i) Second only to China in manufacturing ready-made the strong.” Mahatma Gandhi (1869 – 1948)
garments.
(ii) 50 % of known bauxite reserves – also, has gold and “When the accumulation of wealth is no longer of high social
diamonds. importance, there will be great changes in the code of
(iii) Operates under a special relationship with the United morals.” John Maynard Keynes (1883 – 1946)
States.
(iv) Largest oil reserves in Africa and 11th in the world. “About the only thing now universal about human rights is the
irritation they prompt in governments.” A. C. Grayling (2015)
The data shows that up to 90% of citizens in the Developing
Countries live within US $ 5.50 per day. But it is a mistake to (1) The Challenge of Things: Thinking Through Trouble Times,
conclude that countries are poor because they lack resources by A. C. Grayling (2015)
and special relationships. This is a systemic dilemma, and (2) List of Countries by Percentage of Population Living in
brings to mind our previous discussion of individual wealth! Poverty, at www.wikipedia.org
From a global perspective, the richest countries themselves (3) www.worldmeters.info
are like the wealthy and powerful 1% of the population,

JUNE - JULY
EVENT 2020
CALENDAR
Father's Day in Canada
JUN 21 SUNDAY
Many Canadians observe Father’s Day on the third Sunday of June.
It is a day for people to show their appreciation for fathers and father
figures. Father figures may include stepfathers, fathers-in-law,
guardians (eg. foster parents), and family friends.
National Indigenous Peoples Day in Canada

JUN 21 SUNDAY
Canada’s National Indigenous Peoples Day, formerly called National
Aboriginal Day, is annually held on June 21 to celebrate the unique
heritage, diverse cultures, and outstanding achievements of the
nation’s Aboriginal peoples. There are three Aboriginal groups in
Canada – the First Nations, Inuit, and Métis peoples.
Discovery Day in Canada

JUN 22 MONDAY Discovery Day is celebrated in the province of Newfoundland and
Labrador on the nearest Monday to June 24. It is also known as
Cabot 500 Day and remembers Giovanni Caboto’s (also known as
John Cabot) discovery of the province’s island portion. This day is
not to be confused with Yukon’s Discovery Day, which is also known
as Klondike Gold Discovery Day.
St. Jean Baptiste Day in Canada

JUN 24 WEDNESDAY Saint Jean Baptiste Day, held annually on June 24, is the feast day
of St John the Baptist, a Jewish preacher who baptized Jesus in the
River Jordan. It is a day of celebration in Quebec and other areas of
French Canada. Saint Jean Baptiste Day is also known as "la
Saint-Jean", "St John the Baptist Day", "Fête nationale du Québec"
and "Quebec's National Holiday".
Canada Day in Canada

JUL 01 WEDNESDAY
On July 1, 1867, Canada became a self-governing dominion of Great
Britain and a federation of four provinces: Nova Scotia; New
Brunswick; Ontario; and Quebec. The anniversary of this date was
called Dominion Day until 1982. Since 1983, July 1 has been
officially known as Canada Day.
Memorial Day in Canada

JUL 01 WEDNESDAY
Memorial Day is observed together with Canada Day in the Canadian
province of Newfoundland and Labrador on July 1 each year.
Memorial Day commemorates the brave efforts of the province’s
veterans, particularly those who participated in World War I.
Orangemen's Day in Canada

JUL 13 MONDAY
Orangemen's Day commemorates the Battle of the Boyne, which
took place in 1690 outside Drogheda, now in the Republic of Ireland.
It is a provincial holiday in Newfoundland and Labrador on the
Monday closest to July 12.

Tisha B'Av in Canada
JUL 30 THURSDAY
Many Jewish Canadians observe Tisha B’Av, which is the ninth day
of the month of Av in the Jewish calendar. It is a day to remember
various events such as the destruction of the First Temple and
Second Temple in Jerusalem. When Tisha B’Av falls on Shabbat
(Saturday), it is moved to Sunday, 10th of Av.
Eid ul Adha in Canada

JUL 31 FRIDAY
Eid al-Adha is a significant annual Islamic observance for many
Muslims in Canada. It is also known as the Feast of Sacrifice or
Festival of Sacrifice as it commemorates Ibrahim’s (Abraham)
willingness to sacrifice his son to God.
CROSSWORD
PUZZLE SOLUTION
MONTH APR - MAY
S W F C A R I B F A S R S
R A O A L I K E A I M A T
O S U J E A N N E C R A I N
W A R M U P T O Y E A S
E T H A N H A W K E R H O S
B S S E L E M E N T
A G E C I V I C R E Y
W A L T E R P I D G E O N
A G S A X I O N N O D
Z E R O S U M I N T
T E A C D E A N M A R T I N
N A M E T I P P Y T O E
B U G S Y S I E G E L O W E
E M E E R S U E D E P A D
E A S Y A A P R E S S S S
Purchasing a Pre-Construction
Home or Condo!
SYED HASSAN
Royal Le-Page, Royal Brokers
As we all know that purchasing a exposure, builder, upgrades, colors, houses and to get upgrades it can
property is one of the most important appliances, kitchen cabinets, flooring, cost easily from $25,000 to $50,000.
decisions in one’s life. In a property carpets, electrical, plumbing, lighting Like Kitchen, hardwood, appliances,
purchase we always have two options fixtures and so many other things. granite countertops, paint, Ceiling
either Resale or New/Pre-construc- • Time to get your things in order for heights, stone, brick, Tiles, fireplace,
tion property. arranging finance, moving and other lighting fixtures, CAC, CVAC etc. This
related matters. majority portion of this amount has to
Today I will try to pass on my • Know what you are getting. be paid up front.
experience & advise to you, on a • Closing cost can be a major factor.
Pre-construction purchase of DISADVANTAGES As number of hidden and fine print
home/condo. • New construction sites remain charges appear at the time of closing,
under construction or some sort of under the name of Development
There are Advantages and Disadvan- work for at least 2 years, after you charges and levies. This can easily
tages attached to a Pre-construction move in. So have to face noise, range from $25,000 to $40,000.
Purchase. Let’s go in details: unpaved roads, workers, visits and • Sometimes at the time of closing a
revisits from labor etc. client can experience, difference in
ADVANTAGES • Generally new home sites are far Bank appraisal and actual price. This
• A brand new never lived in place. from established neighborhoods like: results in clients paying a reasonable
• No maintenance issues for next schools, shopping and amenities. amount of difference from their
couple of years • Huge Deposits are required which pockets. It can happen due to so
• Under Tarion Warranty ranges easily to 20% of purchase many factors, but very common is
• Location of your selection price before closing. real estate market swings up or down
• Options to select: Size, layout, • Generally Builders offer standard between booking and closing timing.

• Basement is unfinished, Backyard is not ready, no
fencing, Driveway is not paved etc. for some time,
since client moves in.
• One of the most important factors is, if the client is
selling existing property to purchase a new one, and
relying on money from existing house. The client can
experience problems and pressure due to any
change in Real estate market. Like not selling quickly
or at a projected price, the client has made the
decision to buy new one.
KEY POINTS TO LOOK BEFORE YOU FINALIZE A PRE-CONSTRUCTION

HOUSE/CONDO
• Location: Existing Challenges and Future projection
of the location
• Builder: Reputation, maturity and experience of the
builder. Otherwise a lot of problems and surprises
can be faced later on.
• Upgrades Cost: Evaluate how much you have to
spend from your pocket. As most of the times
upgrades are not added to purchase price
• Closing costs: One of the biggest factors, specially
development charges, and different levies, clients
have to pay at the time of closing. Capping it is a
good idea.
• Assignment clause in the agreement: This clause
gives you flexibility to use other names or sell the
property before closing.
• Review the agreement from the lawyer.
• Lease during occupancy: For the Condo it’s a
important clause to be in agreement, so that client
can lease the property during occupancy period.
• To get some Décor dollars from builder: it helps to
avoid extra burden in getting some upgrades.
• Tarion closing Dates; Knowing the options builder
have to extend closing dates, so that client can plan
accordingly.
PROFESSIONAL AND EDUCATIONAL BACKGROUND

B.Sc. Electrical Engineer, Real Estate Broker,
Financial Advisor, IQCS Certified Lead Auditor &
Consultant for ISO Management and Environmental
Standards, Certified Total Quality Manager.
PROFESSIONAL EXPERIENCE AND AFFILIATIONS
MB Group of companies, Royal Le-Page Exceptional,
Royal Brokers, American Express Bank of Canada,
Budget Rent a Car, Moody’s, SGS, PIQC.

MBE Accounting is a Chartered Accountancy firm.
We provide all kinds of accounting & taxation ser-
vices including bookkeeping, PTR & CTR.
WE ARE ALSO A LOAN PROCESSING SERVICE FOR
GOVT. INITIATED LOANS

“CERB” “WSP”
AMID COVID-19
“FOR AN EXPERT ADVICE OR A TAX SOLUTION OR REGARDS TO LOAN PROCESSING
CONTACT MBE ACCOUNTING/LOANS”
TEL: 1-866-667-1377 | COVID-19@RMACANADA.COM | WWW.MBEFORYOU.COM

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MBE SOFTWARE SERVICES

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INDUSTRY EVERYDAY” Tel: 1-866-667-1377
covid-19@rmacanada.com
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Covid-19 in Canada:
This is How Each Province
is Handling the Pandemic DMM DEPARTMENT
MB Enterprises
COVID-19 in Canada has affected all provinces and territo- es that are not essential including physiotherapy, and
ries to a certain extent including the capital Ottawa. The dentistry clinics as well as facilities including gym, arenas,
provincial Govt. has taken measures in terms of announce- museums, galleries, libraries, and casinos are ordered to be
ments of incentive programs and subsidies for stability. It’s the closed.
role of the Provincial Govt. to bring stability to the huge
country distributed in ten provinces. The state of the public health emergency in Alberta was
extended until June 15th.
OTTAWA- THE FEDERAL CAPITAL:
It’s the Capital city of the country and being the Federal BRITISH COLUMBIA:
capital, steps taken are more concrete & robust. This is In the province BC, just after declaration of Public Health
evident as each level of the government takes a variable Emergency the Govt. declared a state of emergency. This has
approach in containing the spread of the pandemic. happened after 2017 wildfire where a state of emergency was
declared. This emergency gives the Govt. powers to restrict
The federal Govt. has been injecting funds like seeds for the travel, access land and assets and price controlling of food,
sake of national needs and prosperity of Canada. These are fuel and clothing. The social distancing rules are a mandatory
into Health Care research, medical supplies and the economy application, bars, clubs and restaurants have been ordered to
of the country. Apart from this there has been restrictions close in case of disrespect to law.
imposed on international and domestic travel by Prime
Minister Justin Trudeau. Following a humble request from the Hence, British Columbia Govt. has extended the state of
Prime Minister to stay home in isolation and maintain strict emergency until 29th April.
social distancing measures. However, Prime Minister hasn’t
declared a state of national emergency in Canada. MANITOBA:
State of emergency was declared on 20th March in the
Since 15th April, each province is taking their own measures, province Manitoba announced by the Premier Brian Pallister.
key announcements with respect to financial aids and He said further that this shall help the Govt. of Manitoba react
combined efforts with the federal GOVT. All the provinces considerably fast in imposing supportive measures due to
have issued Public health emergencies and similar warnings COVID-19.
have been issued at the municipal level as well.
Following are the ‘Top Eight’ Canadian provinces; Similar to Alberta, non-essential business services and
facilities are closed with fines up to $50K or a 6 months jail
ALBERTA: sentence for an individual. A $500,000 for the businesses
On the 17th of March the Govt. of Alberta declared a state of violating the guidelines imposed by provincial Govt. The laws
public health emergency within the province. Hence, also of isolation from travel are same for domestic and internation-
imposing a ban and a fine on mass gathering of more than al travel country-wide.
fifteen people.
NEW BRUNSWICK:
A huge step for the social distancing measures in Alberta State of emergency was declared on 19th March in New
province reducing people to fifteen only. All kind of business- Brunswick. Hence, the first orders issued were for Retail

services to close except essential services only. The gather- Hence, in case of breaking the rules, the fines applicable are
ings were restricted to ten people only and travel restrictions $1,000 for individuals. The state of public health emergency
were imposed on domestic and international. has been renewed until 4th May.
Strict penalties on the violation of laws of social distancing. NOVA SCOTIA:

The state of emergency has been extended until 30th April. Premier of Nova Scotia, Stephen McNeil announced the state
The self-isolation post travel period is the same i.e. fourteen of emergency on 22nd March in a press conference. Similar
days as in other provinces. implications as in other provinces regards to social distancing
& closure of non-essential businesses. However, with
ONTARIO: exceptions of some shopping malls only with people’s
The province of Ontario declared a state of emergency due to guidelines of social distancing orders. The domestic and
COVID-19 on 17th March. Ordered by Ontario Premier Doug international travel bans are similar i.e. fourteen days of
Ford, the closure of all non-essential businesses for fourteen isolation.
days and closure of public facilities. A ban was imposed in
Ontario on public events of not more than fifty and social However, strict applications of fines for $1,000 on social
gatherings limitations for five people. All the recreational distancing and $7,500 for small businesses. The extension of
areas including fields, grounds and beaches are closed and state of emergency was until April 19th.
the emergency period is extended till 12th of May.
NEW FOUNDLAND & LABRADOR:
QUEBEC: The declaration came on 18th of March. Most likely, only the
Happened for the first time in history that the govt. imposed a essential services including the grocery stores and pharma-
Public health emergency similar to other provincial Govt.’s. An cies were asked to keep their doors open. Hence, apart from
important step by the Premier Francois Legault’s administra- them the rest of all non-essential businesses were closed.
tion in the interest of the residents. A closure of all non-essen- Same rules applied for travelling as in other provinces and the
tial businesses until April 13th including social gatherings. state of emergency was extended until April 30th.

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Technology Eases Shopping Stress!
STUART HIMMEL
Staff Writer
A trip to the supermarket has now Who needs that? Certainly not me! Jennifer Rose of Brampton said in a
become a source of frustration and Now, Walmart Canada has launched face book post Sunday "I just tried it
an anxiety inducing experience for a traffic monitoring app. Metro is and it actually works".
shoppers. What used to be an in and offering new pick up and delivery
out, pick up a couple of items during services and third party on line The wait time map covers all of the
shopping trip, is a thing of the past. services now allow those who dread GTA, thou data may not always
long lineups to find up to the minute immediately available for every store.
Imagine hopping in your car and data on local wait times. Lombardi said it is still an estimation
going to your friendly neighborhood and is a self funded project. Lombardi
grocery store and entering the Miki Lombardi, a Florence based is still trying to add new features and
parking lot and seeing a line around developer, uses the geolocation of a manage the traffic on his limited
the corner at least 100 deep waiting, device to pinpoint supermarkets, servers.
just like yourself to enter the store. pharmacies, clinics and other
locations with estimated wait times. Another mapping service, a crowd
If that's not bad enough, once you sourced website for GTA store lineup
are in and ready to check out, you Relying on data from Google Maps, wait times was originally created to
have to wait single file in line for the the free service colour codes points track Costco store lineups in York
next available cashier. That line alone on the map to indicate wait times of region, has exploded virally to be
could be winding its way to the back 5-60 minutes. Users can search by Canada wide with the site indicating
of the store. city, address or name. If a certain that the heavy traffic load is now
What you were hoping was a 10 store is marked in green, that means switched over to a higher capacity
minute trip as now turned into a that the wait time is only 5 minutes. server.
30-60 minute shopping trip.

Walmart Canada said it has an app that allows it to
monitor traffic moving in and out of the store based
on specific capacity requirements.
They have introduced QR (Quick Response) codes

outside some stores where customers can scan their
phones and then watch videos about the safety
measures they have implemented.
Anthony Longo, CEO of grocery chain Longo's. said

the company is open to working with partners on
mapping wait times and currently is focusing on how
they can improve the experience inside the store
managing lineups and wait times.
Grocery chains are ramping up curbside pickups and

delivery, encouraging customers to limit visits and
most are taking a localized approach to support front
line health workers. Some have opened an hour
earlier than their scheduled time for the first respond-
ers and health workers to do their shopping before
the regular customer is allowed to shop.
Mike Von Massow, chair in food system leadership at

the University of Guelph's agricultural department,
said there are further steps businesses should take
to manage wait times.
Stores can take reservations for specific times with

customers booking a time and getting to the front of
the line. They would still have lines for walk ups but
you could book a time and know you were going to
get in. It may also help spread out customers as late
bookers would get off peak times.
He also suggested grocers use "fast passes" similar

to those used at theme parks that allow customers to
show up at the door and then get a time to come
back so they don't have to wait in line.
This would facilitate distancing and let people leave if

the line is really long and come back at their
assigned time.
Crazy times indeed, so lets make the shopping

experience as pleasant and safe as possible with the
least amount of wait time.

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Trudeau Refuses to Repeat Pledge to Cut
Tax-Dodging Companies From COVID-19 Aid
www.huffingtonpost.ca
Some MPs want a crackdown to help Leader Yves-François Blanchet asked With $155 billion already approved
pay for new programs. the government for assurances that for the Canada Emergency Response
companies that do not pay their fair Benefit and Canada Emergency
Prime Minister Justin Trudeau share of taxes will be identified and Wage Subsidy, the opposition urged
sidestepped questions Wednesday deemed ineligible for emergency the government to crack down on
on whether companies with offshore support programs. companies that avoid taxes, some by
bank accounts will be eligible for using offshore tax havens, urging the
emergency COVID-19 aid after “Companies who do practice tax government to make tax dodgers
previously telling MPs they won’t be. avoidance will face consequences in ineligible for financial aid.
our system,” Trudeau responded in
Trudeau was pressed by MPs during French. “That will continue to be the NDP Leader Jagmeet Singh picked
the House of Commons’ special case even when it’s not a pandemic.” up on the Bloc leader’s line of
committee on the COVID-19 pandem- questioning, using Loblaw Compa-
ic after he said Tuesday that the MPs also gathered in the chamber to nies Ltd. as an example of a business
government will help those who need debate the Liberal government’s third that uses international tax system
it, “but those who avoid taxes or piece of emergency legislation to loopholes to avoid paying more
evade taxes will not receive help.” approve $9 billion in funding for Canadian taxes.
financial relief for students amid the
During Wednesday’s in-person sitting novel coronavirus pandemic. The company is Canada’s largest
of the committee, Bloc Québécois food and drug retailer. It was the

subject of scrutiny last year after the federal govern-
ment pledged $12 million to upgrade its refrigeration
systems to higher efficiency models — after the
company posted a $754 million profit.
Recently, the Federal Court of Appeal overturned a

2018 tax court case that ordered Loblaw Companies
Ltd. to pay $368 million in taxes. The federal govern-
ment has been ordered to pay the company $1.8
million to cover legal costs related to the case.
Trudeau responded by chiding the NDP leader for

suggesting that grocery store workers in Loblaw
stores should be punished “because of behaviour of
what their head office has done.”
Singh responded later, saying it’s “unreal that this

government thinks it’s OK to allow a company like
Loblaws to use offshore tax havens.” The NDP leader
said the problem is that the rules that allow compa-
nies evade taxes are legal, and the government isn’t
doing enough to close loopholes.
“That’s a choice. That’s a decision this government is

making,” Singh said. He explained that one way of
recouping this lost taxation is asking companies
registered in offshore tax havens to remove their
money from that jurisdiction and move it home if they
want emergency aid.
Some European countries, such as Denmark,

France, and Poland, have declared that companies
registered in offshore tax havens will not be eligible
for government assistance during the coronavirus
pandemic.
A 2019 analysis by the parliamentary budget officer

suggested the Canada Revenue Agency missed $25
billion in lost corporate income tax revenue because
of offshore tax haven loopholes.
When the subject was posed to the prime minister

last week, Trudeau said that the government has its
priorities set on helping workers “and not the compa-
ny.”

CROSSWORD
PUZZLE
BUYER BEWARE! 1 2 3 4 5 6 7 8 9 10 11 12
ACROSS
1 High-fives
13 14 15
6 Stage hog
9 Cashless deal
13 Ghost 16 17 18
14 Plastic____Band
15 Heavenly headgear
19 20 21
16 They may have grounds to
soothe (2 wds.)
18 Ltr. info 22 23 24
19 Hawaiian strings
20 "Me? Never better!" (3 wds.)
25 26 27 28 29 30
22 Sandra of "Gidget"
23 The "A" in CIA
24 BPOE member 31 32 33 34
25 lditarod terminus
27 Down Under bird 35 36 37
28 Puts on the canvas: Abbr.
31 Western evergreen tree
(2 wds.), 38 39 40
33 Bikini atoll, once (2 wds.)
35 Granddaddy of all computers 41 42 43
36 "Zero Dark Thirty" setting:
Abbr.
37 Andre's aunt 44 45 46 47 48 49
38 Writers' aliases (2 wds.)
40 Purchased apartments 50 51 52 53 54
41 Web site address ending
42 Secret rival
55 56 57
43 It's a feature of Renton and
Redmond, but not of Poulsbo
(2 wds.) 58 59 60
44 Kind
45 Grand Ole___
61 62 63
47 Terrif
50 Sharpeners'tar gets, often
(2 wds.)
54 Prefix with dynamic 3 Pound sounds 21 Deadly sin committed with devices
55 Mata ___ 4 Epitome of easiness kitchen utensils 44 Seattle-Tacoma link
56 They may be found in a sales 5 Rod of "The 23 Friendly 45 Humorous poet Nash
contract's small print ... or in Pawnbroker" 26 Blink__eye (Quickly) (2 wds.) 46 ___Xing
16-, 20-, and 50-Across, and in 6 Malarkey relative 27 Rodent reaction 48 Zones
2- and 28-Down? 7 Big and small blind 28 A tad spooky (3 wds.) 49 Royko's best-seller about
58 Tel _, Israel cousin 29 Director Preminger Chicago's Mayor Richard J. Daley
59 Kind of card 8 Followers of lslam 30 Matches a bet or raise 50 "Star Trek II: The Wrath of
60 Colorful fish 9 Poolroom predator 31 Tow job ____"
61 Wall Street Journal subj. 10 1973 Supreme Court decision 32 Part of DOE 51 Adminral's outfit?
62 Asian capital? name 33 Profs' helpers 52 Folk singer Dement
63 Persuades 11 Hawkeye player on 34 All there 53 They're spotted in casinos
"M*A*S*H" 36 Signature piece? 54 Mennen shaving brand
DOWN 12 Left at sea 39 " __ while the sun shines" 57 Word before fangled or frontier
1 Bicycle wheel part 13 Gulf war missile (2 wds.)
2 Fatal (2 wds.), 17 Rank just below cpl. 40 Bygone waist management
See previous issue answers on page # 21

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Become an industry trendsetter
COURTNEY SHEA
Take a stroll in any of the country’s an intensely crowded coffee market, industry’s most significant trends of
buzziest neighbor-hoods, and it’s Wilkin decided to turn innovation into late, when a months-long exploration
likely that premium coffee shops will a literal full-time job, and it’s just one of brewing temperatures became the
outnumber any other type of establish- of the ways that Pilot Roasters and basis for Pilot’s nitro cold brew
ment. No longer simply content with their peers onto the market of product. “That wasn’t what I set out to
the classic double-double, Canadian Canada’s Fastest Growing Compa- do” Johnson says of the period of
coffee connoisseurs are the new wine nies cultivate and brand their fruitful experimentation.
snobs, a highly invested and knowl- expertise in new and (yes) trendy
edgeable consumer pool that wants ways. Last year Pilot introduced cold brew
to be not just plugged in, but ahead of in a can. “One of the big trends we’re
the game. “With so many options out HIRE ACCORDINGLY saw in premium coffee is around
there, we realized that it was crucial Wilkin decided, would be “first and packaging and portability,” says
for our customers to hear about foremost” new and emerging Johnson. “A lot of us have a great
industry trend from us rather than products, but also he wanted them to product, but how do you make it so
from the competition,” says Rob find novel approaches to bar-flow that customers can experience it in
Wilkin, who joined Pilot Coffee efficiency and community engage- different locations?” Any HOI role is
Roasters as partner back in 2013. ment. Investing in a dedicated role is about balancing experimentation with
one of those investments where it’s the practical part of staying on top of
In that time, what it means to “trend” not always easy to see a return on, what’s hot.
has changed dramatically, due in but it’s definitely worthwhile, says
large part to social media, home of Wilkin. It was former Pilot HOI Brett DON’T JUST SELL, TELL
thought leaders and industry influenc- Johnson who helped the company These days, brands don’t just push
ers. To maintain tastemaker status in come out ahead of one of the product, they manage communities,

which means it’s no good for your Instagram to look
like a series of glossy magazine ads. “We want our
customers to feel connected to not just what we sell,
but what we do,” says Wilkin. Pilot’s feed intersperses
gorgeous product shots with more dynamic images, a
staff trip to Colombia, helpful how-to videos, and one
of beans formed into the Raptors logo (because in
2019, being a basketball fan was good for business).
It’s no longer enough to just present new merchan-

dise every season with a quick “Hi, everyone, this is
what’s cool now,” adds Jenny Bird, founder and CEO
of jewelry company Jenny Bird “We’re about bringing
our customers inside the nest with us as they see it’s
a real company with real people. It’s in Toronto, not a
black box.” It’s a counterpoint, Bird adds, to jewelry
and accessory mega-brands where it’s obvious that
the jewelry design is outsourced via licensing deals.
“People want that connection to the maker, they want
to feel the hand in the work,” says Bird.
LEVERAGE YOUR FOLLOWING

Bird will never forget that time Michelle Obama wore
her Harbor Drop earrings in the pages of Elle, or
when Serena Williams sported her Faye Knockers
(another earring design) on the court. But while a
celebrity endorsement is obvious #goals, she says
her most valuable product pushers are regular
women the ones who approach her at events to snap
selfies (which Bird will often repost). Using Instagram
as a virtual clubhouse, Bird has built a community of
#BirdGirls. “I have women tell me that they will start
chatting with another woman at a party because
they’re both wearing Jenny Bird.”
Brands with a smaller customer pool can still glean

big lessons from their base. Just ask Matthew von
Teichman, CEO of Toronto’s GreenSpace Brands.
“We are a lot closer to our customers,” says von
Teichman, who gets plenty of usable feedback at
small vendor booths and industry trade shows. He
points to recent product launches in the company’s
turmeric and gut-health verticals, many of which
came from taking that direct feedback to heart.
“We could definitely save money by contracting out

that work to a third party, but it would be a missed
opportunity.”

Horoscope for JUNE-JULY 2020
GEMINI- CANCER
Gemini Love your coworkers and bosses,
Gemini horoscope 2020 predicts that Gemini, this year your romantic life is sometimes it’s just best to have some
this year is a fresh beginning for you. bound to become more intense. quiet time and a personal place to get
If things are seeming dull for you, Things may have been boring for you some work done. More will be
then try something new. If things are last year, but this is a great year to expected of you at work this year. You
too fast-paced for you, then quite a spice things up with your partner are likely to work very hard and at a
few things and try to make your life finally. However, this doesn’t mean fast pace. Even though stress is likely
more routine. Do the things that you that you will be delighted in a to haunt you, try to act favorably. This
love, and don’t compromise for sex-based relationship. You will need will make you stand out–in a good
anyone else. 2020 is your year, so do love and compassion to be truly way–to your employer.
whatever you need to do to make it happy in a romantic relationship. You
great! Find out if 2020 is good for the may get bored sometimes, but that’s
Finance
This year in 2020 you probably won’t
Gemini zodiac sign. your cue to try something new. Try to
worry about money all that much. You
avoid arguing over small things
should have enough to get by, and a
Geminis are born between May 22nd during the 2020 Mercury retrograde
little extra to spend on fun stuff.
and June 21st. Geminis are often period.
Gemini zodiac people should not get
misunderstood because of their dual
nature. They can often seem like two Career too worked up about their finances.
Gemini 2020 astrology forecasts that Just try to keep them balanced.
people in one; this is probably why
the symbol of the twins represents this year at work you will do your best
this sign. if you are working alone. While it is
Health
You will need to work extra hard if
important to build relationships with

you want to stay in shape or be tend to be highly in touch with their and be more confident than your
healthy in general. If you are trying to emotions; most of their personality is coworkers if you want to get ahead in
lose weight, then you should exercise based on this trait. They can be loving, 2020. Nothing bad is likely to happen
more and eat some fiber-rich foods. but jealous. if you don’t rise to the challenge, but
Try to rest your mind as well. You only good things will come if you do.
should work out your brain. But make Love Making personal goals at work is a
sure to give it a rest every once in a Cancer love forecasts that in 2020 you great way to motivate yourself to do
while, to keep your mental health at its are likely to find harmony within your this.
peak. romantic relationships. You will also
feel more romantic in general, which Finance
CANCER your partner is likely to appreciate. If Cancer, you are also likely to have
Cancer horoscope 2020 predicts that you are currently a single Cancerian, good luck in your finances this year.
this year you will learn a lot about then this is also a great year to try to You should have enough money to
yourself by watching what other find love. Before you look for a new pay for all of the necessities and some
people do. You may observe children partner you need to take some time to to save as well! Working on a hobby
who remind you of what you were like figure out what it is that you want out that makes money is also a good way
when you were young. You might see of a relationship. Once you figure this to get some extra pocket money.
lovers who inspire you to find that kind out, start looking! You are more likely
of love in your own life. Or you might to find love with someone who you Health
notice a busy coworker who you have more in common with than who Cancer 2020 astrology predicts that
aspire to be like. These are just a few differs a lot from you. this year your energy levels will vary,
examples of the things that may but you should still try to work out
inspire change in your life in 2020. Career often. The greatest thing that could
This year there is likely to be conflict cause you illness this year is inactivity.
You would be a Cancer zodiac sign if at the workplace for the Cancer Inactivity could also slow your
you were born between June 22nd predicts the 2020 horoscope. This metabolism or cause other health
and July 22nd. The fourth sign in the doesn’t necessarily mean that you will problems during the 2020 Mercury
western zodiac, Cancer has many be fighting with someone. You are retrograde. Try to adapt to a new
good and bad traits. Cancer people likely to compete with someone, exercise routine or diet this year.
though. You will need to work harder

Four Climate Issues
Canada will Tackle
in 2020 DMM DEPARTMENT
MB Enterprises
The action for Climate change and global awareness has emissions in Canada will increase instead of decreasing.
grown significantly since the last few decades. This most However, if we talk about the Govt. of Alberta, they are quiet
importantly includes political pressures and many other affirmative that they need the economic activity that the
pressures creating awareness for global climate action. The resource sector brings. The federal govt. should live up to the
recent fires in Australia is a true example as it has caused a environmental commitments and must ensure that the level of
great sense of urgency for climate action in the current year emissions comes down drastically.
i.e. 2020. There have been huge protests and people came
on streets across Canada demanding climatic action and 2. PRODUCE MORE CLEAN POWER:
millions of protests were held worldwide. A huge example As according to what an environmentalist Mr. Jaccard said
includes the efforts of Greta Thunberg, the 2003 born “Phase out the coal and don’t replace it with the natural gas.”
Swedish activist who played a huge part in protests against The government should now work more on the generation of
climate change in front of the Swedish parliament at a very electricity using more cleaner and refined resources. This is
young age. Her efforts were so overwhelming that she similarly true just like the government must reduce the
deservedly was nominated for a noble peace prize in 2019 emissions from the cars and trucks.
and then again in 2020.
The organization Clean Energy Canada, who are actively
There are lots of conversations, developments and dialogues working for a better environment in Canada. They believe that
that revolve around the hot topic of climate change. Mostly the efforts of Ontario from 2007 to 2014 of cutting emissions
they move around carbon taxes and on battles over the by 17% is equivalent to bringing seven million cars off the
pipeline getting built or not. road. These stats means business for the Canadian Govt. as
On the road to a low carbon future there are four climate it’s a significant percentage in terms of emission reductions.
change issues that Canadian Government needs to tackle in
2020. Talking in terms of the overall electricity generation in
Canada, Coal accounts for a little less than nine percent. Coal
1. DECIDING THE FATE OF THE FRONTIER OIL SANDS MINE: has been responsible over 75% of all emissions for electricity
As according to relevant data and stats from Natural Resourc- generation in the year 2017. Not replacing coal will highly
es Canada. It shows that the oil and gas sector in Canada effect Canada in terms of the overall emissions footprint.
currently holds the number one source for the greenhouse
gas emissions in Canada. 3. THE CHALLENGES AND OPPORTUNITIES OF THE CLIMATE CRISIS:
The climate crisis is full of challenges as well as opportuni-
There is a cap that has been imposed on the O&G sector by ties. People think there are more challenges than there are
the provincial government. In case if the Frontier mine is built opportunities in the current climate crisis. However, the
the overall emissions would still remain below the cap that environmentalists believe that’s not true. With climate change
has been imposed by the Govt. Hence, this means the and its efforts on a global scale, the opportunities are
decision must be affirmative, however, scenarios can expanding each and every day. Addressing the climate crisis
fluctuate. More output means the reductions in overall requires more systematic changes and some changes in

policies for climate action. The actions that needs to be taken However, the most crucial of actions that must be taken by
are decarbonizing the transportation sector and the electricity the government is to reduce the emissions from cars and
generation. trucks down to zero.
People will benefit more from calm environments, more quiet Transportation in Canada that includes mainly cars and trucks
cities and a more diverse economy. Environmentalist Mr. accounts for 24% of overall emissions. Bringing the auto
Jaccard thinks, climate-sincere politicians to cut emissions market to zero emissions is the best way for a low-emissions
down would need to regulate the carbon pricing or bring the future as transportation industry can control carbon
carbon pricing to higher levels. emissions at least from 24% to 10-12 % in approximately
Three years.
4. REDUCING EMISSIONS FROM CARS AND TRUCKS:
One of the most important steps that Govt. must impose For this to practically take place the govt. has to invest more
radically is reducing the emissions from the cars and trucks in electric vehicle technology, the charging stations and public
(larger vehicles). The concentration of most Canadians are transits. Smarter policies to cut down carbon will bring rest of
those living in provinces where the electricity is mostly the change.
produced from non-polluting sources. The province Ontario’s
reliance is mostly on nuclear, hydroelectric and wind power
resources. Alberta is a province that still is heavily dependent
on coal.

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What’s Good Friday & its Purpose
in Christianity?
DIGITAL MEDIA MARKETING
MB Enterprises
Good Friday, just like Easter Sunday is ion and the death of Jesus Christ. A showing deeply their love and
one of the most significant days in the day that is observed by many affection for Jesus Christ and his
Holy week, starting on Palm Sundays Christian’s sects and denominations respectable teachings for humanity.
and ending on Easter Sunday. that includes the Catholics, Lutherans, Also, acknowledging his sacrifices for
Observed as a national holiday in Anglicans and the Methodists. It is humanity and what he did for his
Canada, it is religiously significant and always observed before Easter followers is the soul of the prayers and
holds huge prestige for all Christians. Sunday, but the date keeps on fasting.
Precisely, it marks crucifixion and the changing every year depending on the
dying of Jesus Christ. This being a Earth’s revolutions. In the tradition of This is a sacred day for Christians all
holy day for Christians all over the the Roman Catholics, the believers of over the world who are significant
world is a true reflection and people Christianity and its followers observe it because of being the most followed of
reflect upon the sacrifice of Jesus in prayers. They mark it by praying the religions in the world. On this day of
Christ for their sins. Stations of the Cross and recite commemoration the ‘Church bells are
sermons and other devotional prayers. silent’, and this sober and solemn
In 2020, Good Friday is falling on the muted atmosphere is saved until the
10th of April and it is always the Friday Christians around the world also Easter Vigil. There is immense
just before the Easter Sunday. observe this day as fasting, i.e. they similarity in different Christian
can’t eat anything until the time they traditions, in the Anglican traditions
WHAT IS GOOD FRIDAY & HOW IT IS OBSERVED? are fasting, but that’s not the whole the ‘Church remains stripped of all
It is a commemoration of the crucifix- day. It is most part of the day, however, decorations’. It remains to be a day of

religious reflections and prayers for Hence, it holds a highly sacred nature, of Jesus Christ, his death, and finally
Christians that are worldwide and this marked as a holiday in most Christian the resurrection. The Triduum begins
has been so since centuries. countries that includes Canada, on the evening of Holy Thursday also
England, Spain, Australia, New known as ‘Mandy Thursday’ i.e. the
WHY IS IT KNOWN AS ‘GOOD FRIDAY’? Zealand and many other countries day before Good Friday. A lesser
The crucifixion and death of Jesus from the West. Marking as a national significance day but still has some
Christ, can’t be termed as something holiday means the significant is importance and name in history.
‘GOOD’. The reason why it is called paramount in most countries where
‘GOOD FRIDAY’ is because of many Christianity is strong and is observed The purpose is remembrance of The
linguists who are of the opinion that with passion and love for Jesus Christ. Christ’s sacrifice; however, it is the
‘GOOD’ meaning ‘HOLY’ is a deriva- A holiday makes ‘GOOD FRIDAY’ a darkness of the day that allows the
tion from an older usage of English national prestige especially for people believers to feel happy about the
language. Here the meaning of GOOD who are observers of the day with resurrection on Easter Sunday.
is taken simply as ‘HOLY’ or Sacred. huge fervent.
However, in the modern sense GOOD According to the Church of England
is taken as something Positive or 4In the West, there are huge deals there is no sufficient way of recalling
having Positive energies. and discounts on ‘Good Friday’ and for the Jesus Christ other than in silence
people working on the day are paid and isolation, and in complete
There are also some wrong interpreta- more wages than normal. Hence, it is religious meditation. Hence, within this
tions of the word ‘GOOD’ as according treated as a blessing of the remem- silence there is immense peace and
to some beliefs it comes from ‘God’s brance of Christ, and holds significant completion and a rising sense of
Friday’, but that’s not the case. The traditional values. excitement as Easter Vigil comes
argument is more inclined on the nearer. Feeling the sacrifice in
‘Holy’ side, as most linguists and THE PURPOSE OF ‘GOOD FRIDAY’: desolation and in remembrance is one
experts say that ‘Holy’ is most likely As it marks the beginning of the end of the best ways how it is and should
what it was referred in ancient times of the Holy week, i.e. the last week of be observed. Observance of ‘GOOD
and that’s why it became commonly Lent. The last three days are known FRIDAY ‘holds significant values so
known as ‘GOOD FRIDAY’. as ‘Triduum’ or ‘Three Days’ that that generations to follow stick to the
signifies and commemorates the trial principles of observance.

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Coronavirus and what it
for the Global
ECONOMY? DMM DEPARTMENT
MB Enterprises
Coronavirus, a global pandemic has emerged as a major RESPONSE OF THE MARKETS:

threat especially hurting the Global economy, finance and The market responses have never been uniforming globally,
trade. Originated from China’s Wuhan province from an but facts and financial analysis have shown that they are on
animal market, it has seen many deaths, especially, in USA, the pathway of recession. What’s The Pathway of Recession?
Italy, Spain, United Kingdom, France and Iran. Known by its It means that markets will be seeing global recession soon,
medical name as COVID-19 as it spread across China, the something similar that caused global economy downfall some
reactions of the global financial markets came late, not until 11 years from today. Major continents that were affected were
the last few months when the virus started spreading across North America, South America, Europe and parts of Asia that
the middle east and most countries of Europe. includes Central Asia. Hence, the mechanical models of
recession risks have ticked on the higher side. This means
In the European continent most affected countries are Italy, that the world is not undergoing recession currently, however,
and Spain, however, UK, Germany and France have also there is a tendency i.e. risks associated with recession.
suffered in terms of deaths and economy. The COVID-19
risks have raised many eyebrows with fears that there could ‘Recession’, is an economic situation or a business cycle
be recessions on the global economy similar to what came in contraction that arises due to some economic conditions
2009. However, if we talk with respect to investments, the causing a general decline in economic activity. These
country risks have fluctuated and varied. There have been conditions can be for e.g. War, Political Turmoil, Pandemic, or
huge variances in the European continent with Italy suffering a financial crisis situation.
the most with a complete lockdown for weeks resulting in a
downfall in Total GDP. The forecasts for GDP have been While we discuss the valuation of the risk assets, similar
dubious for many affected countries especially the ones in the responses may vary due to the COVID-19 impacts. However,
top 10 GDP Total listings. something positive is that credit markets not getting highly
affected i.e. don’t foresee funding and financing problems.
Hence, there are confusions over how effective are the
containment efforts as the losses have proved that recovery WHAT’S A COVID-19-INDUCED RECESSION?
will not arrive soon. A significant negative change over While we discuss recessions more closely and finding out
reactions of consumers and pricing strategies, as prices have why they arise, and how they impact the global economy. We
increased in some industries. need to discuss the various types of recessions in detail.
The COVID-19 economic impacts can’t be predictable as Real Recession:

economists all over the world are of the opinion that it should The real recession, this is a financial situation that relates to
take at least 4-5 months to recover if the virus gets under the Economic recession of 2009 affecting most countries in
control soon. However, if situation gets worse the recovery Europe, Canada, USA, Mexico and some parts of Asia. Falls
process time might increase depending on the scenario, into the category which is CapEx boom cycle and it derails
circumstances and total time frame. the economic expansion causing disruptions, shutdowns, and
variances in pricing, also affecting the stock markets and

financial institutions that includes banks and building societ- SMEs and Medium enterprises. Larger companies are less
ies. Arises due to conditions such as wars, disasters or other likely to get affected as they are more prepared to handle
disruptions that can push the economy into contraction. financial crisis situations and economic meltdowns.
COVID-19 can’t cause a real recession according to most THE ROLE OF LEADERS IN CURRENT GLOBAL SITUATION:
economists as the tendency is more to infect the host country. The role of global leaders in the current situation that relates
However, there shall be some losses that relates to trade, to COVID-19 is significantly huge especially the leaders of
finance, travel and education. The losses might increase as China, USA, Canada, Germany and Italy. Leadership’s role is
well depending on the recovery time. vital under areas that relates to decision making, making
health policies and creating practical awareness in their
Policy Recession: countries in supervision with World Health Organization.
The policy recession happens due to the central banks Leaders shouldn’t become dependent on projections as the
leaving the rates too high as compared with neutral rates. financial markets are experiencing great uncertainty. The
This results in tight financial conditions and credit intermedia- leadership must plan the best and prepare for the worst-case
tion. scenarios in terms of cost and consequences.
Financial Crisis: In such a scenario that relates to risks and crisis leaders
A financial situation that creates imbalances and brings a must analyze and address the challenges associated i.e.
country performance down in terms of financial growth and economic, social and national level challenges. They must
economic growth. also play an active role in determining the impacts of
COVID-19 virus, and its recovery process. Furthermore, for
COVID-19 can’t be seen something contributing to financial how long the impacts will take place in their particular
imbalances. However, financial stress could arise due to countries.
strains in cash flows which is particularly likely to happen in

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Easter Symbolism
Complimenting
The Holidays DMM DEPARTMENT
MB Enterprises
Easter is a religious occasion observed in form of holidays or less in all the Christian dominated countries, regions &
just like Christmas. Although, Christmas also known as Xmas territories.
is a much bigger religious festival for Christians worldwide as
it marks the birth of Jesus. Easter holds lesser importance SYMBOLS OF EASTER CELEBRATIONS:
but is observed by Western countries that are Christian Easter is celebrated as a Christian religious festival and its
dominated countries. It marks the ‘resurrection’ of the Christ significance in Christianity holds priorities for many Christian
that happened approximately two thousand years ago, and is families. The symbols that are used in Easter are eggs,
observed globally according to Christian beliefs. Crucifix, Rabbit, Lilies and Lamb.
Christianity is the most followed religion of the world and has Below are the symbols described in detail and how they hold
a Pope i.e. the Head of the Church, holds huge significance significance to the religious festival of Easter?
and prestige for all Christians around the world.
EASTER ‘EGGS’:
Pope Francis, the current Pope belongs from Argentina and is Eggs are the most recognized and most famous of the Easter
resident in the Vatican City i.e. also a sacred city for the symbols, also known in the west as Easter Eggs. On the
Christians from all parts of the world. occasion of Easter the eggs are hard-boiled and decorated in
bright hues. The belief goes to this extent that the eggs of
EASTER & ITS IMPORTANCE IN THE CHRISTIAN WORLD: Easter are both secular and religious. It is thought by many as
The origin of Easter dates back to some two thousand years an ancient symbol of bringing new life. As according to the
ago on the crucifixion and resurrection of the Jesus Christ. historians of Christianity, it has been associated with the
Known earlier as the “Resurrection Day” by many pundits and pagan festival that are in the celebrations of spring. Many
religious scholars. The importance lies heavily amongst the Christians are of the belief that it is a representation of the
Christians who believe in the Resurrection of Christ and are Christ’s emergence from the tomb to the resurrection.
the true followers of Jesus.
Eggs are painted and decorated with style and uniqueness in
The observance is in form of a holiday next day of Easter attributes and it marks the end of the fasting. In addition to
Sunday i.e. Easter Monday. It is based on ancient pagan this it became one of the most significant ways of celebrating
celebrations as pagans were the true followers. In modern the Easter festivals.
times it has more commercial value and also mixed-up with
some non-Christian traditions. The traditions includes the RABBIT:
Easter bunny, Easter parades and hunting for the Easter Rabbit, one of the sharpest, fastest and alert of the small
eggs. animal species. In the Western world, especially the Christian
nations, the Easter bunny is a secular symbol of the holiday.
Easter is observed in Christian countries all over the world, The Pagans celebrations of spring often linked rabbits and
some of them includes, The USA, Germany, England, France, their like animals i.e. hares with the season. This is primarily
Italy, Canada and Australia. Hence, the observance is more similar in nature to eggs i.e. bringing forth new life and

because of their abilities of fertility. sacrifice. Also highlights that God is the one who gives new
life to people after their death.
Many in Christianity also have a belief that relates to the
movements of Rabbit coming out from hole. Believer’s Most people are highly linked with the cross, they wear it in
associate that rabbit coming out from the hole, symbolizes form of a necklace for God’s good omen and good luck. Many
the Christ emerging from the Tomb. people also make the cross on their heart when they are
under a challenge or before praying or making a wish.
LAMB:
Yet another significant symbol that has a huge significance Some people as part of the Easter dishes and favorite
with the Easter is lamb. It was more linked to the Jewish desserts bake “hot cross buns” as another symbol of season.
religion and lamb was used for sacrifice. Also holds its
significance in Islam as it is used for sacrifice, following the LILIES:
religious tradition of Pilgrimage (Haj). Another symbol being lilies are exchanged during the Easter
festival as celebrations are not complete without lilies.
Jesus Christ is often remembered as the ‘Lamb of God’ as he According to the American bible Society, the lilies grow in
was sacrificed and crucified. spring and this is the time of the Easter celebrations.
CRUCIFIX: Some people also think that lilies look like trumpets and that
‘Crucifix’ is the central symbol of cross that is present in symbolizes the Christ’s resurrection.
Churches as it is a symbol of Jesus Christ’s crucifixion and

5 Reasons Why you
Should Study your MBA
in CANADA
DMM DEPARTMENT
MB Enterprises
Canada, a country full of economic boom, high-rise buildings, abroad options. Canada became priority for most MBA
research and development and universities with excellent students as it gives ample time i.e. three years of Post Study
academic and sports facilities. The cities of Montreal, Toronto, Work visa, after the degree is completed. In three years most
Ottawa, Vancouver, Calgary, London, and Victoria are all full international students can achieve their targets of attaining a
of economic growth and highly prospective cities in Canada. job in Canada’s most competitive job markets. For MBA
The second largest country area-wise is the fourth most students the market is good enough as the economy holds
wanted country for international students after USA, UK and higher business prospects and job prospects. Another
Australia. advantage is the huge land and provincial distributions.
However, a Canadian Post study work visa is applicable
Why international students are preferring Canada for an MBA everywhere in Canada. Hence, students can easily get a job
degree? A question that means a lot to the business schools after having their work visas.
of Canada whose consistency and growth has been phenom-
enal. A diverse population is applying every year, however, As according to the statistics, the applications are increasing
most students prefer to avail the opportunity of living in annually as more migrations are taking place every year.
Canada. A land of business opportunities where many young
and dynamic businessmen are investing and earning every A THRIVING JOB MARKET:
day. Jobs are Govt.’s responsibility and they provide people Canada has a highly thriving job market and according to the
with platforms to work after completion of study. Govt. policies jobs are easily attainable for deserving
candidates. The job market for Int. students is improving every
A country full of energy for students is now hub to internation- day and the efforts of Prime Minister Justin in this regards
al students especially cities like Toronto, Montreal and has been remarkable. Reasons are improved business
Ottawa. Preferences are mainly because of the confidence prospects, more investments in Canada, and more people
Canada has shown since last few decades in terms of job coming from various countries just for the purpose of study
markets, business prospects and living up with the challenges and work. The boom in the job market has been significant
of the practical world. since last decade as Canada has a policy of equal opportuni-
ties. It means jobs for everyone in their specified field of
FRIENDLY VISAS: interest and field of study or research without any racial
The visas for MBA students are friendly provided they fulfill all discrimination.
the academic criteria as well as language proficiency and
work experience. Studying abroad is not an easy process, The two major cities that are gathering a lot of expertise in
and needs lots of paperwork and fulfilling the formal require- professional fields are Toronto and Montreal. These are the
ments. In Canada, comparatively it’s easier for international best cities in terms of the job market and prospects for young
students as they present the most opportunity and study expatriates. Other cities like Ottawa, Calgary and Vancouver

falls in the second range and are the cities where prospects al and Ottawa are the cities that regularly features in ‘best
are booming with the Canadian economy. cities for student’s life’ ranking tables.
WORK-LIFE BALANCE: According to the students Canada is highly collaborative and

Canada’s work environment holds huge priorities for aspects an open country for international students and they love the
related to work-life balance. You don’t necessarily have to be culture of many big cities especially Montreal which is the
a workaholic to survive in the Canadian work environment, second largest city in Canada. It’s just not about the cultural
but it’s preferable that you spend a good family time, along heritage of Canada, it’s about people mixing together,
with work. working together and dining together in a friendly environ-
ment. People from overseas want to learn more about
According to a 2018 survey, a huge 69% workers in Canada Canadian history, the Canadian wildlife and exploring
rated that work-life balance as ‘excellent’ or ‘good’. Students Canada, as it is one of the best countries in the list of
were happy with the friendly and cultural environment of cities tourism.
like Toronto and Montreal where they spent their time with
balance while they worked and enjoyed their student’s life. A HIGHER RETURN ON INVESTMENT:
A country that gives a higher return on investment as
Some international students preferred learning English and compared to many other countries including Australia and
French during their semester holidays. This showed the New Zealand. As an International MBA is a costly qualifica-
flexibility associated with the Canadian environment for tion and needs a higher return after investing huge amounts.
international students while they studied. For e.g. A General MBA from JMSB costs almost $24K for
international students. Ironically, the expectations from the
CULTURE- ‘Canadian Culture for International Students’: international job markets are higher, hence Canada is one of
A culture that highly suits the international students with the countries that fulfills most requirements.
diverse communities and places to mingle and enjoy. Montre-

Cancers Rising In Young Canadians
Related To Obesity
MB Enterprises
Obesity is increasing every day in Is it about the trends? Most people young people i.e. the youth ranging
North America at an alarming rate, are convinced that trends in the USA from ages thirty to thirty nine. This
especially in Canada. It is mostly and Canada will not change as easily study is from a sample of five million
linked with the eating habits of young as fast food is considered as most cancer cases dating from 1971-2015
Canadians mostly preferring to eat unhealthy and junk bringing fat. in Canada and the results are very
junk food, being readily available and Hence, it is a cause of heart diseases unique demographically. It says that
on-the-go fast food items. Ironically, and cancers according to the new Canadians are mostly experiencing
the probability of cancers has study. It’s hard to change your diet and breast and colon cancers and highest
increased due to obesity issues eating habits once you are too much number of Cancer cases are women
especially in the youth. Major causes into unhealthy eating. Still smart from ages thirty to thirty nine. Accord-
are lack of physical activities, gaming, people, the corporate workers, know ing to experts and doctors, the reason
movies, and dining out having they have to move a lot to burn their is Obesity, as it is considered as a
unhealthy and junk food. Fast food has fat and be useful for their own good huge risk factor amongst the people,
its benefits i.e. it brings balance in and to keep looking good every day. and the rise in Obesity levels is
weight for people who are slim. parallel to the rising amount of Cancer
However, for overweight people it’s OBESITY-RELATED CANCERS: patients.
like putting more ounces every time Since 1971, the rate of Obesity
you are going for a Big Mac or other related Cancers in Canadians Another similar study has shown
burger meals. increased. Hence, studies have also totally different results. This study has
shown that the most affected are shown with significance that there has
been a decrease in overall rate of new WHAT REGULAR EXERCISES CAN DO? or gym routine as well. Running is the
cancer cases in people who are As North America is more into the best way to reduce unwanted weight
exceeding fifty. It’s just like if you are habits of junk food and fast food that is fast and easily as it is a fast fat burner
crossing a threshold age, you shall be categorized as un-healthy food or fatty and a whole body exercise.
safer from the dangers and risks of food. However, the best solution to
breast or Colon cancer. avoid health issues is through regular OBESITY IS A DISEASE:
exercises. Even walking on a daily Obesity is treated as a disease
Research has shown that in most basis, or jogging will benefit the heart medically, as we have discussed
patients there is a link between the conditions, decrease obesity and earlier that it can be the cause of
smoking cessation programs and a reduce risk of cancers in the youth. many health problems and other
decrease in lung cancer cases. Good Trends can change, once you become related diseases. According to the
safety behaviors are the cause of the trend setter and accomplish your stats of 2012, a huge 18.8% of the
lowering the cases of melanoma. This exercise goals every day. Keep a whole Canadian population that is
is found mostly in women younger calorie check, what’s your take-in and equivalent to more than seven million
than forty and men that are younger how you are managing your diet on a Canadians were found to be obese.
than fifty years old. daily basis.
The environmental factors in Canada
Canada is a country where the rate of Have more consumption of fruits, as has a lot to do with the rate of
Cancer diagnosis is well documented ‘five a day’ means you are having your increase in Obesity. These factors are
for research and similar purposes. But desired vitamins in-take as well as the components in adult and
there is less that is known with getting the required fruits you need. childhood obesity, as parents that are
respect to the trends by the age Healthy sleeping habits also helps in obese pass their obese genes onto
groups. It’s generally that Cancer is getting your goals and risk of cancer, their children. The nurturing of
growing in people who are younger heart attacks and strokes are avoided children is than done in an obesogen-
and shouldn’t be having such a deadly as six to seven hours of good sleep ic environment, and this is the cause
disease at a young age. However, the should be mandatory. This is especial- that caries the cycle of obesity
reasons are very ironic, its obesity ly needed if you work 9-5 in a routine throughout the generations.
that relates to Cancer as well as job, manage your work ethics, hence
unhealthy eating habits. you can manage your walking routine

WE ARE HIRING!
HEAD CHEF THE SENATOR
HOTEL
&CONFERENCE CENTRE
JOB REQUIREMENTS
LANGUAGE:
ENGLISH
EXPERIENCE:
FRESH
ABILITY TO SUPERVISE:
5 TO 10 PEOPLE
SKILLS:
Maintain Records of Food Cost; Consumption; Sales & Inventor y ;
Prepare & Cook Food on Regular basis or for Special guest and Events;
Meals and Speciality Foods; Train Staff in Preparation; Cooking &
Handling of Foods; South Indian; International; Super vise Cook &
other Kitchen Staff.
WORK INFO:
Room & Board Provided
HOW TO APPLY
Email: gm@senatorhoteltimmins.ca
Phone: (416)-918-1356 (12:00 PM to 05:00 PM)
Mail: 14 Mountjoy Street, South Timmins, ON P4N 1S4
Note:
Anyone who can legally work in Canada can APPLY for this job,
If you are not currently authorized to work in Canada,
The Employer will not consider your job application
Career Overview
As a resort manager, your job will include managing all aspects of a resort, including lodging, food and
beverage management, human resources, housekeeping, attractions, and guest services. You'll be in
charge of employees, finances, customer service, promotions, and quality control. Resort managers
often have to work nights and weekends, putting in long hours to ensure the success of their
establishment.
Job Description
Includes duties in three major areas: Daily Operations, Finances, and Marketing | Customer Service | Human
Resources
Daily Operations, Financial, and Marketing Duties

Resort managers oversee product stocking, accounting, and marketing efforts at the resort. As
a resort manager, you'll hire contractors to perform services, such as painting or plumbing.
You'll ensure that all supplies, from housekeeping materials to furniture, are in good condition
and in stock. You'll monitor payroll, customer billing, and expense accounts.
Customer Service
Resort managers ensure positive customer experiences by maintaining high-quality facilities
and remedying problems. At the resort, you'll conduct room, kitchen, and grounds inspections
to make sure that they are all up to code. You'll greet guests at arrival, create standards
surveys, and find acceptable solutions to problems that may arise.
Human Resources Responsibilities

As a resort manager, you'll be in charge of hiring, training, and scheduling new staff members.
You'll set goals for employees and help your staff achieve these goals. You might also have
assistant managers who you'll work with to manage departments, such as housekeeping,
dining, security, and desk personnel.
Contact:
4382 HWY # 60, RR#1 DWIGHT, ONTARIO P0A 1H0 CANADA
1-800-387-2244
WE ARE HIRING!
stay@algonquininn.com RESORT MANAGER

Business Partners MBE
inc.
BENEFITS
For More Information Contact Us:
Address: 104-100 Dynamic Drive, Toronto, ON M1V 5C4
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Safety & Readiness Tips
for you in Times of
CORONAVIRUS DMM DEPARTMENT
MB Enterprises
Safety is a huge concern in the current Coronavirus pandem- WEARING A CLOTH FACE COVER OR MASK:
ic that is the cause of many fatal deaths current count being According to the instructions from the CDC it’s important for
approximately a Hundred Thousand. It has not only caused everyone going outside in public, or for taking grocery or
chaos all over the world, but has also given huge financial essential daily items. They must strictly adhere and wear a
setbacks to many countries. Originated from China, from cloth face cover that is vital from germs prevention or a mask
Wuhan city and spread all over the world in just days, while would be the best solution. The virus can be in the air and
giving a huge impact especially in Europe and United States. you can be the next victim, however, a mask or cloth cover
The best way to save yourself is with the help of safety can save you from the pandemic. It will also act as a shield for
measures and precautions. According to stats and news from others in case if you are infected, or are having even minor
all over, anybody can be a victim of the deadly pandemic and symptoms of ‘COVID-19’. Be very particular in choosing a
if immunity to fight against the virus is less, it can be life face mask, and its best to buy a fresh one, rather using
taking as well. The best drug is self-awareness and precau- someone else’s face mask. Please beware and don’t use the
tionary measures that are needed for a healthy environment, face mask meant for a health worker, as your protection is
and restoring the circumstances as fast as we can. foremost.
According to WHO and The American Red Cross, following SOCIAL DISTANCING:
the latest guidance from the Centers for Disease Control and Social distancing is a precaution that should be taken for a
Prevention will be highly helpful in the restoration process. considerable amount of time in these days. According to
CDC, or Centre for Disease Control and Prevention has been American Red Cross and WHO, it’s important that people
active since a long time and has a history of fighting against maintain social distancing, keep a six feet distance while
many pandemics. conversing, work from home and avoid all kinds of social
gatherings and parties to create a safe environment in future.
Adhering to the CDC regulations is highly important as part of

every individuals social responsibility. use of hand gloves if and where it’s necessary.
The Govt. of Canada and majority of countries have CLEANING AND DISINFECTATION:
announced a lock-down for safety measurements, which Make a regular habit of cleaning and disinfecting the house-
means prefer working at home. Use social media, skype and hold surfaces which includes those who are used very often.
other media tools on internet like WhatsApp as means of The high-touch surfaces i.e. frequently used ones are
communications, meetings and managing office tasks. A phones, remote controls, tabletops, laptops, doorknobs,
responsible environment is a safe environment as it is a bathroom fixtures, toilets, keyboards, tables, bedside tables
highly aware environment for the future of others. Team and many more. ‘Disinfect’, is a term which means minimizing
working is still manageable while sharing tasks, and making the effect of a possible infection that can be caused or may
fruitful discussions. As announced by Canadian govt. it’s not have been present. Regular disinfecting and cleaning is a
about earning profits in current times, what’s important is that huge necessity for a healthy living environment even in
we come out of the COVID-19 pandemic as soon as we can. normal circumstances.
DO REGULAR HAND WASHING: COVERING YOUR COUGHS:

Regular handwashing is a necessity, rather than a precaution. Make sure that symptoms of cough, sneezes and fever are
According to doctors and WHO experts it is a priority for the consulted with a doctor as soon as possible. Covering your
people to maintain regular hand washing for at least twenty coughs with a hand or a tissue will help preventing your
seconds, as approved scientifically. The use of soaps and germs travel in the air to another person. If your coughs are
sanitizers is a requirement and must be obliged to avoid regular and you can’t immediately go to a doctor, than
drastic circumstances. isolation is the best way. The warning signs for severe
symptoms include trouble in breathing, persistent pain or
A literal society can fight against any Pandemic with consis- pressure in chest, and bluish lips or face. These symptoms
tent awareness measurements and practical efforts. Beware are enough for you to take mandatory action as soon as
that you avoid touching your eyes, nose and mouth with possible to avoid a life hazard.
unwashed hands. Germs can be also be prevented by the

The Effects of ‘Covid-19’
on Europe’s Economy
Tourism Industry DMM DEPARTMENT
MB Enterprises
The way COVID-19 has affected this world has been significant As the amount of deaths are increasing and businesses are
in form of loss of life and financial losses i.e. economical shut, the prices for tourism have been lowered as the numbers
devastations and lock-downs. The proof is in form of total travelling for tourism and trade are almost negligible. Govern-
mortalities crossing hundred thousand deaths globally. Hence, ments of most countries have requested their citizens to stay at
out of these counts, the most affected ones are USA, Italy, home, so that they can control the situation.
Spain, United Kingdom, and France, i.e. Europe’s 4 giant
countries and mega economies from the Eurozone in terms of We can look more closely at how the COVID-19 has been a
the GDP. cause of financial and life losses to the ‘Big Five’.
The deaths from Italy counts 30.55%, Spain: 26.4%, France: ITALY:
22.09%, U.K: 16.3% and Germany: 4.63% i.e. Percentages There has been a positive control on number of deaths in the
with Total count from the Big Five from European countries. past three weeks. This control has only caused United States
The total count from Europe is Sixty Five thousand approxi- number of deaths pass Italy, but still numbers are significant
mately, i.e. 57% of the World’s Population death counts from i.e. almost twenty thousand.
‘COVID-19’.
The director of infectious diseases Massimo Galli from Milan
The Big Five is the term used for the largest European Sacco Hospital said in an interview to a T.V channel that things
economies with GDP Total in the Top Ten list of four countries, are going better now, as few people need an intensive care
and the countries are France, Germany, Italy and U.K. bed. Hence, some signs of positivity while the numbers are still
huge.
COVID-19’s EFFECT ON TOURISM INDUSTRY IN EUROPE:
Europe is considered as one of the most beautiful continents in Ironically, a huge impact on the Fashion and trade industry in
the world and is most people’s favorite holiday destination. The Milano, as the Europe’s fashion capital and a global fashion
continent consists of many beautiful countries, with gorgeous hub is under complete lockdown. One of the worst hit pandem-
climate, landscapes, History museums, War museums and ic since many decades has made things worse for Milan
Science museums. fashion industry. Furthermore, the migrations to Italy especially
the number of students coming to Italy has immensely
The sufferings in the tourism industry to Europe are mainly declined.
because of Italy, Spain, U.K, and France as they are consid-
ered places of rich tourism, IT, infrastructure, culture and UNITED KINGDOM:
literature and economically sound countries. Italy is known for The current deaths from the U.K are almost ten thousand and
its rich architecture and ancient buildings from the era of the stats have shown that almost sixty five percentage of the
Roman Empire preserved for people’s attraction. Spain, deaths are from England. The Prime Minister of United
similarly is known for gorgeous places like Ibiza and museums Kingdom, Mr. Boris Johnson was released from hospital after a
as well as holiday destinations that are most favorite for people week and spending three nights in intensive care. He was
all over the world. tested positive with the virus just a week ago and is now out of
danger.

Other losses are in form of immigrations and people coming According to a statement from Health ministry, Paris. They
annually to the U.K. for academics, research and higher said that the observance is high, however, the vigilance
education is seen on a low. should be increased as hospitals and ICUs are still taking
care of large number of patients.
SPAIN
Spain, a country that has a history of pandemics, one of them GERMANY:
being the Spanish flu that occurred from 1918-1920. Hence, Amid the COVID-19 pandemic, Germany is the country that
for COVID-19, the past twenty-four hours count was almost has suffered the least in terms of deaths amongst the ‘Big
six hundred and the number of new infection raised to almost Five’ European giants. Solidarity has been the motto of the
four thousand people. The total deaths are almost seventeen Govt. and Chancellor Angela Merkel has laid huge emphasis
thousand i.e. second highest numbers after Italy, highly on solidarity and united efforts. The current death toll is
affecting many industries. almost three thousand, which is a mere 4.63% of the total
counts registered from the ‘Big Five’ European nations. The
According to the Spanish Prime Minister Mr. Pedro Sanchez, stats truly proves the strength of the German economy as
the efforts by the Spaniard to stay at home has helped a huge compared to the rest of the ‘Big Five’ is capable enough to
deal in the virus control. The Spain’s construction and heavy handle similar extreme scenarios.
industries are in preparation to resume work as work restric-
tions since the last two weeks have been lifted. As the Health Minister Spahn, said while laying emphasis in a
Press conference that people should realize their corporate
FRANCE: social responsibility to fight against COVID-19. Hence, the
Meanwhile, France is the third largest hit country from positive results of the outbreak are that people are reaching
COVID-19, in Europe after Italy and Spain. As number their neighbors and asking if they need assistance.
speaks for itself i.e. almost fourteen thousand, the efforts are
increasing every day to reduce the number of intensive care
patients. There have been positive results with reasonable
drops in numbers.

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Insurance Indsutry’s Role Amid Coronavirus
Outbreak DIGITAL MEDIA MARKETING
MB Enterprises
The role that insurance industry has to Fears are amongst the business coverage in case of lockdown or a dry
play amid COVID-19 outbreak is communities of consequences of a period in business affairs.
significantly huge. It is similar in case complete lockdown causing millions of
of natural disasters, or similar epidem- dollars of losses that can only be HOW THE INSURANCE COMPANIES WORK:
ic or a recession. The number of recovered by the insurance compa- Insurance companies are further
confirmed cases has passed 300K nies. The role is wide as insurance insured by bigger insurance compa-
from stats all over the world. For industry is a highly saturated industry nies and groups known as Re-insur-
Canada however, the health risks that and in Canada most business and ers. These are mega financial
are associated with the virus are lower public entities are insured. institutions that are there to cover the
as compared to other countries. This losses made by the insurance
is a confirmation given by the Public People have health insurance, companies.
Health Agency of Canada that stated property insurance and business
in its statement that Canada’s risks insurance for similar types of A prominent example of a Re-insurer
with ‘COVID-19’ are far lower than conditions and situations. Car company is Munich-Re, as it is a huge
other countries. insurance is a must, and therefore, company that insures the insurance
while at risk the life insurance is also a companies globally. These companies
There is huge fear and panic that huge necessity. The relativity of handle risks that are too large for the
relates to the virus since it started insurance is directly with the amount insurance companies to handle. These
spreading and created chaos all over of risks associated to a life or risks includes the political turmoil,
the world. The fears are related to the business. disasters, pandemics, natural
associated risks that are arising every disasters and political conflicts. The
day. Most businesses are insured and reinsurers also makes it possible for
almost all businesses can claim their the primary insurers to keep less
capital on hand so that they can cover worldwide. to the governments. Italy alone was a
the potential losses. major hub of travel and tourism in
The summer Olympics of Tokyo can Europe with places like Rome, Milan,
The current situation of COVID-19 is be taken as an example. A huge event Venice and Capri being global tourism
highly monitored and controlled by the taking place in Tokyo Japan, with spots.
re-insurers as the losses are too large mega investments as well as the
and unpredictable and evident on a involvement of so many countries. The country has suffered huge losses
global scale. Truly, it is one of the mega sport in terms of their tourism industry
events, similar in stature to a football almost coming to a halt. Travel
Hence, for example the insurance World Cup, as the viewership and insurance is yet another insurance
company Aviva is further insured by audience is mammoth. sector that has suffered due to
Munich-Re. In similar situations like cancellations of flights, buses and
the COVID-19, if they are facing The fear factor is the cancellation of road trips due to ‘COVID-19’. Hence,
losses, they will be covered by Summer Olympics due to the pandem- the travel and health insurance i.e.
Munich-Re to avoid bankruptcy and ic. Meaning the involvement of medical insurance are the two most
financial burdens. insurance companies is vital. Howev- famous insurances linked with the
er, as according to the size of the tourism sector.
THE FEAR FACTOR OF CANCELLATIONS OF event the re-insurance companies are
MAJOR EVENTS: also involved silently. The involvement The losses have been bilateral if we
The long term effects of the disease of re-insurance companies is not think with a financial perspective.
and its effects on people is linked with direct but is always impactful to make Ironically, the role of insurance
the fear factor of what’s related to the adverse situations stable. industry in any case has been to bring
impacts. The insurers and the stability to fight drastic situations and
business community should have a WORLD TRAVEL & TOURISM INDUSTRY: extreme circumstances.
fear of the long-term effects and Other such examples are the Travel
impacts of such a pandemic that has and Tourism industry that alone in
caused innumerable deaths Europe gives huge amount of profits

Importance of Time
Management Professionally
11 Tips DMM DEPARTMENT
MB Enterprises
1. Stop Multitasking: ‘Multitasking’ or working on more than one helps in achieving the goals with ease. For a proper brain
task at a time is something that affects time management. functioning the breakdown of tasks into steps holds priority.
Managing time at work is most effective when a person is
managing their task one at a time. It needs lots of special The motivations of getting to achieve a certain task in the
attention, dedication and more focus. What’s more fruitful is desired time management needs the fruitful strategy of
that you don’t let the small tasks interrupt the big ones. breaking tasks into steps. What’s important is taking consis-
Hence, eliminates interruptions which is necessary to move tent actions as actions speak volumes. Similarly, it’s best to
forward. create practical deadlines. Everything should be planned
even if you have to achieve your tasks step-by-step.
2. Set Reminders: Determining what is important for time
management, setting up regular reminders is the need of the 5. Get More Organized: Putting more emphasis on getting things
hour. Making short term plans will definitely enhance your organized is another important element in achieving the ‘Time
professional visions. Management’ milestones. This includes the synchronization of
work, organizing things on a daily basis and putting important
It’s just like managing a project while having a strategy in dates in a calendar. Being more organized you need to keep
mind. Setting reminders helps in task management that is a to-do list. Another significant aspect of getting things more
helpful in achieving goals. Time management and setting organized being mentally organized and also being fit for
reminders is not only important for work scheduling but trains work as targets achievements needs more determination.
you to the finish line. Time management needs determining
work patterns while you keep setting reminders and keep 6. Remove The Distractions: Putting more concentration at work,
triggering yourself. you need to remove the distractions and move in an aligned
manner. Have a clear mind before you start your day, as you
3. Only Focus on What Matters: Managing time everyday can be don’t want to waste your time on unwanted thoughts. As a
hard, however, with focus things can be different. How it regular practice clean your workplace regularly or especially
influences ‘Time management’ is the question, simple answer your desk and keep sorting things with your work station. For
is, it trains your brain automatically. concentration think inside closed doors. Going an extra mile
so that you can keep pondering on your future agendas is like
Focusing on what matters will help you in taking calculated a positive thought process.
risks that are necessary.
7. Planning Your Day: Planning is always an integral element in
In a skill development program it’s not only wise to realize that determining what you need and how you want to accomplish.
your determination depends on your focus. Focus always Task accomplishment is a necessity and planning your day
makes you realize what’s lacking in your pathway in form of means huge business for you in the rest of the day.
obstacles.
Secondly it gives you a huge motivational attitude and a
4. Break Tasks into Steps: Breaking tasks into steps significantly positive boost for the future. It helps in the monitoring and

control and helps a great deal in financial matters. People are, however the successful ones should keep an eye on their
prefer planning to save their time and energy so that they weaknesses.
know every step.
10. Check The E-mails Only Two Times A Day: A Good approach for
8. Write Down Your Priorities: Prioritize your tasks for better results managing your e-mails and having more authority at your
and hence activating your energy levels and making realistic work place. For a better time management and activity
priorities. Listing down makes things easy and clearer in your management, it has been known as a good activity as it
head. Making priorities means you know what’s more keeps you more organized. Hence, time management gets
important for you, as in business or at work your accomplish- better when you are more focused and you set yourself how
ments are the key determinants. It also is a factor that makes many times you would see e-mails at your work 9-5.
your more organized and target oriented.
11. Having Breaks and Refreshing Your Mind: Having regular breaks is
9. Make a “Stop-Doing” List: For the sake of effective time manage- good for the concentration and focus. According to a survey,
ment most people prefer making a “Stop-Doing” list. It is also an average concentration mind is 50-55 mins, therefore, a
the best way to encounter bad habits and to keep a healthy person needs the mind refreshing in form of a break. It’s
environment at work. It’s important to make an analysis of similar to fueling your car after constantly driving on a
your growth or your business growth for future analysis. highway. Breaks are part of the time management and gives
you positive energy to tackle difficult situations. It also
Attaining your desired benefits in a convenient way is what increases the motivation level, increases the focus and gives
you must always look for. Everyone know what their strengths you regular intervals of mind refreshing.

Why Toronto’s Real Estate is one of the
most Expensive in Canada?
MB Enterprises
Toronto is the Canadian hub of proved to be one of the most exciting 2017- A PAST REVIEW OF THE MARKET
commerce, industries, global trade, markets for investors. Saw a very BEHAVIOURS:
communications, academics, sharp spike, or one can call it a twist While we take ourselves in the past,
transport and finance. The growth in the tail i.e. in 2016-17, saw buyers e.g. 3 years back. The real estate
Toronto has seen especially in last 30 getting priced out of the market. The market at that time was beyond crazy,
years has been phenomenal due to city continues to keep rebounding and and according to an article the
rise in infrastructure and immigrations. not really seeing the bubble burst. average sales price jumped to a huge
It has been the Centre point for people 33% from 2016 which is a mega
or the point of attraction for most As 2018 arrived, the exuberant city fluctuation. Similarly, the average cost
people coming to Canada for studies saw dips and a huge slowdown in of a detached home, luxurious and
and work purposes. Even people from purchases. Especially in the early excellent for living, reached a startling
nearby towns and smaller cities e.g. months highly affecting the previous $1.6 million in Toronto’s downtown’s
Brampton visit Toronto for fun, or year’s figures. As spring came, it saw most desirable neighborhoods. The
usually work in Toronto while living in the natural rhythm of the real estate markets were definitely highly suited
suburbs. market return back. However, now for new investors with potential
Toronto is known as the most overval- profitability margins being significantly
The real estate since many years has ued cities in the world. There are on a high side.
shown a growth with commercial and many factors and reasons that have
private property rocketing sky high. contributed a huge deal to the city’s However, as we go deep into 2017
The Toronto’s real estate market has high housing prices. stats we find that these results were

limited to downtown Toronto, but by are three factors that are underpinning Finally, we can make assumptions
the year moved forward reached the competition between the buyers. that Toronto housing price growth rate
suburbs as well. Despite the prices, These are a steady population growth, will continue as long as the interest
amazingly the demands continued to a low unemployment and lower rates remain low. More businesses
rise and hence the number of listings borrowing costs. Hence, these factors move to the city Toronto, from other
declined. are resulting in the price increases cities and the suburbs, hence,
and has been a huge contribution to providing more jobs and opportunities
WHAT ARE THE ‘2020’ PRICE DRIVERS? the real estate markets in 2020. of work. A higher number of amateur
The difference that was significantly investors continue to buy up Condos
seen as compared from 2020 to 2019 LOWER INTEREST RATES: and all the above factors play their
were in the low rise market segments. Lower interest rates are a positive roles in terms of the inventory. The
This trend was highly observed by real factor for the consumers, however, role is highly important for results, i.e.
estate experts with regards to the there are questions that needs to be to keep inventory levels low.
detached houses. Accordingly, the asked about the real estate markets.
buyers who were on the sidelines with More interest rate cuts are expected There are serious challenges in some
the reason being OSFI Mortgage to happen due to the weakening housing markets and authorities are
stress test are returning back to the Canadian economy. This should pushing for housing affordability for as
market after a positive sales growth in definitely make more openings into well as increase in housing supply.
the detached segment. the Toronto real estate markets for the This is both for buyers and renters.
buyers. More buyers means lesser However, there is still a comprehen-
Hence as compared to 2019, in 2020 inventory. Ironically, the lower rates sive national housing strategy that
the market conditions got a bit tighter are not good to the markets if you are needs to be done for a positive
and that truly resulted in stronger a buyer. change.
selling prices. As according to the
TRREB President Mr. Collins, there FUTURE HOUSING STRATEGIES FOR TORONTO:

Thousands of Homes are
Sitting Vacant Across
Canada DMM DEPARTMENT
MB Enterprises
The number of vacant homes i.e. deserted luxury houses Hence, the tax application resulted in a profitability margin of
have been seen on the rise across Canada as according to almost Thirty million dollars in its first term since it was
real estate analysts. As according to demographics statistics applied.
Canada from 2006 to 2016, a period of a decade. The
Canada’s empty homes are almost 9% of the market. This Vacant properties are a liability for a Govt. and not a good
has increased from 8.4% in 2006. Hence, this is huge as scenario for real estate professionals and the community. It
compared to the US markets, a country higher in population also effects the population count, the census and also the
and population density. In the United States the vacancy rate population density figures which is already too low for a
never climbed more than 3 % during the same period of a country of the size of Canada.
decade.
It can also bring safety issues in the regional community, a
Canada’s real estate problems are rising and high vacancy primary issue in Canada especially where migrant’s popula-
rates is one of the problems that have been rising since last tion is on a high.
few years. It is primarily because of the affordability issues
that has been on the increase and most houses are taken as HOUSING ISSUES IN TORONTO- ONTARIO:
rentals for a short term. Other culprits are the investor’s In Toronto, the percentage of the vacant homes is 66K, the
speculation and short term rentals i.e. a period of 6 months to highest in Canada, and the main reason behind that is a rapid
1 year contracts behind high vacancy rates. These trends rise in prices. Toronto figures of rentals property changed
have been seen in Ontario and British Columbia mostly. The very fast from 2017 to 2019, bringing Toronto in the list of one
two cities precisely being Vancouver and Toronto, especially of the most expensive places to live in North America.
Toronto as it is one of the most expensive cities in terms of
real estate prices. However, Toronto had a decrease in vacancy rates after
2016, citing -4.7% over the span of a decade. In 2017, the
According to the reports almost 66K homes are sitting empty Toronto City Council came up with the suggestion of vacant
in Toronto alone and approximately 64K homes are vacant in home taxes, similar to that applied in Vancouver city in 2018.
Montreal, Calgary. The capital city Ottawa and capital of This was mainly to address the housing affordability crisis
Alberta i.e. Edmonton each have at least 20K vacant proper- and bring useful reductions in vacant property in Ontario’s
ties. A key city of Province British Columbia, i.e. Vancouver Capital city. The city chose to do a public consultation on the
has almost 25K vacant homes. decision of application of vacant home taxes. The decision
has not yet been made, however, apart from that tax the
FINDING A SOLUTION TO VACANCY PROBLEMS: City’s council has imposed a 4% MAT. It stands for Municipal
The main reason behind the rise in vacancy rates are market Accommodation Tax and it is applied on all hotels in Toronto
fluctuations and short term rentals as discussed above. A tax as of April 2018. It also included short term contracted rentals
system on empty property can easily bring reductions in the after 1st June, 2018.
amount of vacant properties. This has been practiced in 2018
in Vancouver City as an effort to reduce the vacancy rates. Apart from the MAT the Ontario Govt. has also designed a

sixteen-point plan to address housing issues in Ontario. This In Ontario only according to stats fourteen cities experienced
includes the capital’s real estate affordability and problems on a significant drop in vacancy rates. The report of 2016 states
the rise because of vacant properties. that sixteen of the fifty-two largest cities in Ontario province
only achieved a vacancy rate of 3% only as of 2016. This is a
HOUSING FORECASTS IN CANADA FOR THE NEXT DECADE: good news for the affordability of homes in Ontario for rentals
According to the housing statistics from 2018 to 2020 forecast and buying both.
horizon, there are forecasts that prices to slow down gradual-
ly. These are forecasts for the next decade especially in
Toronto and Vancouver, the affordability issues shall be
addressed via taxes similar to MAT and Applied Vacancy tax.
This is a message especially for the owners to make sure

property is not left vacant keeping in mind the legal consider-
ations. The forecasts are also highly dependent on the
demographics in next decade according to a report from the
CMHC, i.e. Canada’s Mortgage & Housing Corporations.
CMHC is an organization that addresses the housing and
mortgage issues in Canada and also deals with statistics for
future trends and market behaviors.

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Cover

W W W. M B E F O RYOU. C O M MBE BUSINESS MAGAZINE JUNE / JULY 2020 01

Student Discounts us lda y

COMMERCIAL INSURANCE LIFE / TRAVEL INSURANCE

W W W. M B E F O RYOU. C O M MBE BUSINESS MAGAZINE JUNE / JULY 2020 05

06 MBE BUSINESS MAGAZINE JUNE / JULY 2020 W W W. M B E F O RYOU. C O M

MBE Inc. is highly aware and silently observing all

EVERYDAY IS CRUCIAL IN YOUR FIGHT AGAINST ‘COVID-19’:

W W W. M B E F O RYOU. C O M MBE BUSINESS MAGAZINE JUNE / JULY 2020 07

JUSTIN TRUDEAU’S ANNOUNCEMENT: THE MOST ELIGIBLE BUSINESSES:

08 MBE BUSINESS MAGAZINE JUNE / JULY 2020 W W W. M B E F O RYOU. C O M

MBE Accounting is playing a huge part in this regards i.e. the

W W W. M B E F O RYOU. C O M MBE BUSINESS MAGAZINE JUNE / JULY 2020 09

10 MBE BUSINESS MAGAZINE JUNE / JULY 2020 W W W. M B E F O RYOU. C O M

W W W. M B E F O RYOU. C O M MBE BUSINESS MAGAZINE JUNE / JULY 2020 11

“As a mentor a person gets

The Autobiography of Mr.

W W W. M B E F O RYOU. C O M MBE BUSINESS MAGAZINE JUNE / JULY 2020 13

ACHIEVE SOCIAL DISTANCING MEASURES VIA

- Business Loans (From $250 - 500k) - Tax Management

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16 MBE BUSINESS MAGAZINE JUNE / JULY 2020 W W W. M B E F O RYOU. C O M

The Key payments features included are:

TEL: 1-866-667-1377 | COVID-19@RMACANADA.COM

18 MBE BUSINESS MAGAZINE JUNE / JULY 2020 W W W. M B E F O RYOU. C O M

Population (3) US $ 5.50 US $ 3.20 US $ 1.90

W W W. M B E F O RYOU. C O M MBE BUSINESS MAGAZINE JUNE / JULY 2020 19

National Indigenous Peoples Day in Canada

Discovery Day in Canada

St. Jean Baptiste Day in Canada

Canada Day in Canada

Memorial Day in Canada

Orangemen's Day in Canada

20 MBE BUSINESS MAGAZINE JUNE / JULY 2020 W W W. M B E F O RYOU. C O M

Eid ul Adha in Canada

22 MBE BUSINESS MAGAZINE JUNE / JULY 2020 W W W. M B E F O RYOU. C O M

KEY POINTS TO LOOK BEFORE YOU FINALIZE A PRE-CONSTRUCTION

PROFESSIONAL AND EDUCATIONAL BACKGROUND

W W W. M B E F O RYOU. C O M MBE BUSINESS MAGAZINE JUNE / JULY 2020 23

WE ARE ALSO A LOAN PROCESSING SERVICE FOR

GOVT. INITIATED LOANS

TEL: 1-866-667-1377 | COVID-19@RMACANADA.COM | WWW.MBEFORYOU.COM

MBE SOFTWARE SERVICES

26 MBE BUSINESS MAGAZINE JUNE / JULY 2020 W W W. M B E F O RYOU. C O M

Strict penalties on the violation of laws of social distancing. NOVA SCOTIA:

W W W. M B E F O RYOU. C O M MBE BUSINESS MAGAZINE JUNE / JULY 2020 27

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