Mbot Magazine

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.com Volume Six | Issue 1 | February 2011

PM40012444 - Return undeliverable to Mississauga Board of Trade 701-77 City Centre Drive, Mississauga, ON L5B 1M5

Mississauga Celebration Square Financial institutions will benefit from online marketing MBOT Board of Directors

Meet MBOt 2011 Chairian MaCFadden

Meet yOur

BOard OF direCtOrs

2011

in this issueVolume Six | Issue 1 |February 2011

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adVertisers indeX

COVerMeet MBOt 2011 Chair ian MaCFadden

FeaturesNETWORKING 101Oh, the PlaCes yOu’ll GO!

MARKETING &COMMUNICATIONSMississauGa CeleBratiOn square a Catalyst FOr BrinGinG PeOPle & Business tOGether dOwntOwn

SMALL BUSINESS TIPSTaXatiOn, aCCOuntinG, the list GOes On…

what has yOur MBOt MeMBershiP dOne FOr yOu lately?

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FinanCial institutiOns will BeneFit FrOM Online MarketinG

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aCCOuntinG in the ClOud!MBOt reFerral CaMPaiGn

in eVery issuePresident’s rePOrtMBOT: Representing and Serving Business in Mississauga for 35 years

Chair’s MessaGeA strong board of trade is essential to the long term success of Mississauga

POliCy nOtes· Hire and retain: MBOT launches program to help employers hire foreign trained professionals

· MBOT Advocacy News

saVe the dateFor great upcoming MBOT events!

welCOMe new MeMBers

thank yOu renewinG MeMBers

MeMBer sPOtliGht· Itergy opens new office in Mississauga· Nurse Next Door Receives 2010 Franchise of the Year Award

· AvMore Launches DigitalPOP, Digital Signage Solution

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3Volume Six | Issue 1 | 20112 Mississauga Board of Trade

President’s Report

MBOt: rePresentinG and serVinG Business in MississauGa FOr 35 years

in# 1976,# a# group# of# local#business# people# gathered# at#the# offices# of# Mississauga#

news#to#discuss#and#establish#a#new#business#association;#one#that#would#represent#the# interests# of# the# many# businesses# that# were#taking#root#in#what#was#then,#a#newly#amalgamated#and#growing#city#of#Mississauga.

35# years# later,# that# association,# the# Mississauga# board# of# Trade,# can#boast#a#long#and#proud#history#of#outstanding#business#and#community#leadership# and# contributions,# helping# to# make# Mississauga# one# of#canada’s#largest#and#most#thriving#economic#centres.#

since# its# inception,# the# mandate# of# MboT# –# to# represent# and# serve#the# interests# of# business# and# contribute# to# enhancing# quality# of# life#in# Mississauga# –# has# remained# the# same.# it# is# more# relevant# today#than#ever,#as#the#environment#in#which#businesses#operate#has#become#increasingly#complex#and#challenging.#by#having#businesses#connecting,#working# together# and# supporting# one# another,# we# are# elevating# the#success#of#the#collective#business#community.

in#the#past,#most#business#leaders,#owners#and#executives#lived#in#the#city#in#which#they#worked.#as#a#result,#there#was#a#natural#affinity#to#getting#involved#in#the#community#or#the#local#board#of#Trade,#as#a#way#to#give#back#and#help#to#shape#the#environment#in#which#they#operated#their#business#and#made#a#living.#The#correlation#between#the#economic#vibrancy#and#quality#of#life#in#the#city#and#the#success#of#their#business#was#very#evident.#nowadays,#business#people#are#busier#than#ever#and#

mbotOfficial Publication ofMississauga Board of trade

Publisher Sheldon Leiba President & [email protected]

Managing editorJordan Cumberland Communications & Public Relations Coordinator [email protected]

MBOt Official PhotographerJohn Goldstein John Goldstein Photography [email protected] or (289) 232 1417

advertising [email protected](905) 273 6151

Graphic design, Print & distributionKatika Integrated Communications Inc.Mississauga, [email protected]

we welcome your comments,suggestions and ideasGeneral inquiries: (905) 273 6151Mississauga Board of trade701-77 City Centre DriveMississauga, ON L5B 1M5(905) 273 6151(905) 273 4937www.mbot.com

© February 2011. All rights reserved. No part of this publication may be reproduced or copied in parts or as a whole without the prior written permission of Mississauga Board of Trade (MBOT). Advertising content and the comments, views and opinions expressed herein are those of contributors and do not necessarily constitute endorsement by MBOT. Publications Agreement No. 40012444.

FOllOw MBOt On

“MBOtOntario” Mississauga Board of trade / MBOt

many#are#less#connected#with#our#community#and#its#businesses,#but#need#to#recognize#the#strong#vested#interest#they#have#in#the#work#that#Mississauga#board#of#Trade#performs.

MboT#is#not#only#an#organization,#but#also#a#collection#of#businesses#and# business# people# that# are# committed# to# improving# their# own#business,#as#well#as#the#overall#business#environment#and#quality#of#life#in#Mississauga.#our#members#recognize#that#together,#with#strength#in#numbers#and#influence,#we#can#achieve#more#and#contribute#to#making#Mississauga#a#better#city#for#business#and#residents#alike.#

connecting,# serving# and# advocating# on# behalf# of# the# interests# of#business#define#the#Mississauga#board#of#Trade.#so#as#MboT#members#and#members#of#the#Mississauga#business#community,#we#need#you#to#continue# to# support# this,# your# local# business# association,# in# making#our# great# city# even#greater# and# this# organization# stronger;#we#need#your#support!#stay#involved,#contribute#your#ideas#and#feedback,#take#advantage#of#our#programs#and#services,#lend#your#voice#to#our#policy#advocacy#activities,#and#make#your#membership#and#voice#count.

i#would# like#to#thank#and#congratulate#all#of#our#members#for#being#an#important#part#of#this#team,#helping#to#grow#MboT#and#for#making#a#difference#in#our#community;#now,#in#the#future,#and#as#we#have#in#the#past.

Sheldon Leiba, MBOT President & CEO Mississauga#board#of#Trade

Mississauga#board#of#Trade#has#the#potential#to#save#you#real#dollars,#for#your#business#and#on#a#personal#level!#The#better#question#

may#be,#what#have#you#Taken#advantage#of#lately?#

When#you#first#became#a#member#of#MboT,#you#may#have#noticed#there#are#a#multitude#of#benefits#you#have#the#option#of#using.#do#you#know#where#they#are#on#the#MboT#(www.mbot.com)#website?#have#a# look#on#the#left#side#of#the#homepage,#click#on#Member#information,#then#affinity#programs#and#savings.#perhaps#you’re#interested#in#setting#up#a#user#account#but#are#unsure#about#the#process;#simply#call#Monika#rumin#at#(905)#273#6151#ext.#25#and#you#can#get#started!

as#a#member#of#MboT,#you#belong#to#a#chamber#that#has#a#comprehensive#list#of#affinity#programs,#so#why#not#check#some#of#them#out?#We#are#currently# developing# relationships# with# a# number# of# companies# to#provide#you#with#even#more#programs,#so#check#back#frequently.#

posting#a#M2M#(member-to-member)#discount#gives#you/your#company#the#ability#to#choose#what#you#would#like#to#provide;#MboT#will#then#advertise#your#special#offer,#free#of#charge!#if#there#is#a#particular#service#or#product#that#you#need,#check#out#the#M2M#page.#support#your#fellow#members#as#you#would#like#to#be#supported!

This article was written by Sonia Ojha, Member Services Manager at Mississauga Board of Trade. For more information, please call (905) 273 6151 ext. 31 or [email protected].

what has yOur MBOt MeMBershiP dOne FOr yOu lately?

2011 CHAIR’S GALA FOR SYD MARTINaffimex#customs#and#Trade#services#(acTs)

Thursday, April 7, 2011

Experience the sights, sounds, and tastes from around the world

MISSISSAUGA CONVENTION CENTRE75#derry#road#West#Mississauga,#on#l5W#1g3

6:00#p.m.#–#cocktail#reception 6:45#p.m.#–#dinner#&#presentations,# # entertainment Attire: Business Elegant

Honouring Sydney MartinPresident of Affimex Customs and Trade Services (ACTS) Inc.

The#event#will#include#formal#remarks#by#sydney#Martin,#and

The Business Lifetime Achievement Awardwill#be#presented#to

IGNAT KANEFF, LL.D. (HON.),the#kaneff#group#of#companies,#a#valued,#tenacious#and#savvy#business#professional#

#according#to#many#in#our#city.MboT#is#pleased#to#welcome#comedian#evan#carter#as#the#event#emcee#and#dinner#

#entertainment#by#carassauga#dancers.

TICKETS: Early-bird Special: Tickets $200 each. After March 25, 2011: $225 eachFor event information & sponsorship please contact

Brynna Williams at (905) 273 6151 ext. 32 or [email protected]

syd Martin

5Volume Six | Issue 1 | 2011

2011 BOard OF direCtOrs

ChairBusiness Development Bank of Canada (BDC)

ian MacFadden

ViCe Chair MeMBershiP & PrOGraMs

Solutions for HR Inc.Grant Clark

ViCe Chair - POliCyUniversity of Toronto Mississauga

andrew stelmacovich

treasurerICICI Bank Canada

rajesh ramakrishnan

iMMediate Past ChairAffimex Custom and Trade Services (ACTS)

syd Martin

eXeCutiVesEnersource Corporation

karen ras

direCtOrsCity of Mississauga

larry Petovello

Constant Contact lisa kember

Easton’s Group of Hotels reetu Gupta

GlaxoSmithKline ed dybka

Greater Toronto Airports Authority lorrie Mckee

KPMG Paul woolford

Mississauga Board of Trade sheldon leiba

Pallett Valo LLP liana turrin

PricewaterhouseCoopers LLP Michael hawtin

RBC Royal Bank rino d’Onofrio

Sheridan Institute of Technology and Advanced Learning

Jeff zabudsky

Tech-Con Automation Inc. Casey diBattista

MBOt Mission statementMBOT is a business-to-business publication designed

to provide practical information on business solutions and trends. The mission of Mississauga Board of Trade

(MBOT) is to fulfill a leadership role as the voice of business for Mississauga’s business community. MBOT aims

to create an environment for Mississauga business to compete and prosper, in recognition of the simple truth that a thriving business sector contributes to the quality

of life for all citizens in our community.

Policy NotesChair’s Message

hire and retain: MBOt launChes PrOGraM tO helP eMPlOyers hire FOreiGn trained PrOFessiOnals

a#full#room#of#Mississauga’s#business#community#gathered#at#the#living#arts#centre#on#november#11,# 2010# and# december# 2,# 2010# for# MboT’s#

employer#information#seminars,#which#highlighted#how#hiring#and# integrating# internationally# foreign#trained# professionals# is# beneficial# for# the# future#success#and#growth#of#Mississauga#businesses.

“in#an# increasingly#diverse#community# like#Mississauga# that#attracts#a# large#employment#pool#of# skilled# immigrants,# it’s#not#only# socially#responsible#that#we#welcome#them#into#our#workforces,#but#it#makes#good# business# and# economic# sense,”# said# MboT# president# &# ceo,#sheldon# leiba.# leiba# opened# the# business# seminars# by# outlining# the#business#case#for#hiring#foreign#trained#professionals#and#the#MboT's#

MBOt adVOCaCy newscorporaTe#Tax#reducTionsMboT# has# written# a# letter# urging# the# Minister# of# finance# to# not#implement# the# proposed# idea# of# eliminating# the# corporate# tax#reductions# announced# in# the# 2007# federal# fiscal# plan.# MboT# firmly#believes# that# doing# so# would# negatively# affect# canadian# businesses#by#adding#additional#taxes#to#businesses#over#the#next#two#years.#at#a#time#where#canada’s#trading#partners#have#significantly#reduced#their#corporate#taxes,#increasing#corporate#taxes#on#businesses#would#hinder#canada’s#competitiveness#on#the#global#market.#

bill#c-32;#The#copYrighT#ModerniZaTion#acTMboT# has# written# a# letter# urging# its# local# Mp's# to# support# bill#c-32,#which#would#bring#canada's# copyright# legislature# in# line#with#other# leading# nations.# our# current# copyright# legislature# is# risking#canada’s#trading#partnerships#as#well#as#canada’s#creative#industries,#which# have# seen# a# drain# in# jobs# and# investments# due# to# increased#intellectual#property#crime.#MboT#will#continue#to#advocate#for#federal#government#to#pass#bill#c-32,#as#640,000#jobs#in#the#creative#industry#risk#being#diminished# if#canada#continues# to# ignore# the#out-of-date#copyright#legislature.

commitment# to# helping# Mississauga# employers# learn# how# to# better#hire,# integrate# and# retain# foreign# trained# professionals# by# launching#its#new#program,#iTs#in#Mississauga,#which#stands#for#internationally#Trained#and#skilled#in#Mississauga.#The#program#will#provide#resources,#information#and#services#that#will#help#employers#learn#how#to#recruit#and#retain#newcomers#as#contributing#employees#to#their#businesses.

panel# presenters# included:# onecad# solutions,# longo’s,# canadian#springs,#xerox#canada,#city#of#Mississauga,#and#keynote#addresses#from#scotiabank#and#royal#bank#of#canada#(rbc).#each#presenter#spoke#to#attendees#about#the#techniques,#strategies,#best#practices#and#resources#and#tools#that#they#have#implemented#into#their#companies#to#decrease#the# barriers# associated# with# hiring# foreign# trained# professionals.# as#well,#they#highlighted#the#short#and#long-term#benefits#companies#are#set#to#gain#from#hiring#skilled#newcomers.

future#deliverables#that#will#be#offered#through#the#iTs#in#Mississauga#program#will#include#cultural#diversity#seminars,#a#job#fair,#an#employer#resource#based#website:#www.itsinmississauga.ca#and#the#launch#of#an#MboT#pilot#that#will#take#10#Mississauga#companies#and#highlight#their#journey#to#hire,#integrate#and#retain#newcomers#into#their#companies.#The# 10# companies# will# be# given# “cadillac# service”# by# MboT# and# its#advisory#council,#made#up#of#community#partners#who#specialize#in#the#hiring#and#post#hire#retention#of#foreign#trained#professionals.

The program will provide resources, information and services that will help employers learn how to recruit and retain newcomers as contributing employees to their businesses.

it#is#with#a#sense#of#privilege#and#honour#that#i#assume#the#role#of#chair#with#the#Mississauga#board#of#Trade#for#2011.#i'd#like#to#thank#my#fellow#directors#and#all#MboT#members#for#affording#me#this#opportunity#to#serve.

i#follow#in#the#steps#of#a#long#line#of#chairs#who#have#served#this#organization#so#well#-#with#dedication,#passion#and#energy,#and#with#a# strong#sense#of# service# to# the#Mississauga#business#community.#My#challenge#will#be#to#live#up#to#the#example#they#have#set.#

i#accept#that#challenge#with#optimism#and#enthusiasm,#knowing#we#have#a#committed#and#talented#staff# who,# under# the# leadership# of# sheldon# leiba,# has# brought# MboT# to# the# position# of# strength,#relevance#and#impact#it#enjoys#today.#i#will#also#have#the#pleasure#of#working#with#a#board#of#directors#that#represents#a#vast#resevoir#of#expertise#and#experience,#and#which#brings#a#highly#diversified#range#of#perspectives#to#the#table.#

and#then,#of#course,#we#have#our#volunteers#who#bring#their#commitment#and#energy#to#the#organization#by#supporting#the#various#committees,#activities#and#events#undertaken#by#MboT#throughout#the#year.#

i#would#like#to#specifically#thank#syd#Martin,#who#so#ably#served#MboT#as#chair#this#past#year,#and#recent#past#chairs,#ellen#Mcgregor# (2009)#and#jake#dheer# (2008).#Mississauga# is# so#very# fortunate# to#have#business#and#community#leaders#who#give#so#generously#in#so#many#ways.

one# of# the# priorities# i# would# like# to# undertake# in# 2011# is# membership# growth.# boards# of# trade# are#membership# organizations# and# their# strength# and# impact# on# the# business# community# is# directly#proportional#to#the#size#and#engagement#level#of#the#membership.#

The#relationship#between#a#board#and#its#business#community#is#symbiotic.#They#need#each#other#and#both#stand#to#benefit#from#the#relationship.#

MboT# is# well# managed,# financially# stable,# and# has# a# solid# membership# development# team# that# is#executing#smart#strategies.#it#is#busy;#hosting#over#50#events#this#past#year,#and#advocating#on#many#issues.#and#yet,#in#canada’s#6th#largest#city,#home#to#over#55,000#businesses,#our#membership#stands#at#approximately#950.#This#is#low#in#both#real#and#relative#terms#compared#to#what#we#know#is#possible#and#where#we#need#to#be,#to#fully#leverage#the#potential#of#this#community.#so#there#is#a#tremendous#opportunity#for#MboT#to#grow#and#make#an#even#greater#contribution,#but#it#can’t#be#done#without#the#support#of#the#business#community#and,#frankly,#we#need#more#of#that#support.#We#need#more#business#leaders# who# care# about# this# community# and# who# understand# that# a# membership# with# MboT# is# an#investment,#and#that#a#strong#and#growing#board#of#trade#is#good#for#business.

and#so,#in#the#coming#year#we#will#be#calling#on#Mississauga#businesses#to#come#to#the#table,#to#support#MboT,#not#only#for#the#membership#benefits,#which#are#significant,#but#because#a#strong#board#of#trade#is#essential#to#the#long#term#success#of#Mississauga.#We#all#benefit#from#that#and#look#forward#to#your#continued#support.

Ian MacFadden, 2011 MBOT Chairvice#president#and#area#Managerbusiness#development#bank#of#canada#(bdc)

a strOnG BOard OF trade is essential tO the lOnG terM suCCess OF MississauGa

printWEB

designkatika integrated communications inc. t. (905).949.1020 f. (905).949.1021

[email protected] www.katika.com

We’re all ears….. that way, we hear what you have to say.

We get so excited when we hear from you!


Save the Date Save the Date

FOr Great uPCOMinG MBOt eVents!

For more information about any seminars and events, please contact the MBOt office at (905) 273 6151 or

online at www.mbot.com

Thursday, June 23

GOLF CLASSIC

2011

2011 CHAIR’S GALA FOR SYD MARTIN

affimex#customs#and#Trade#services#(acTs)

Thursday, April 7, 2011MISSISSAUGA CONVENTION CENTRE75#derry#road#West#Mississauga,#on#l5W#1g3

6:00#p.m.#–#cocktail#reception 6:45#p.m.#–#dinner,#&#presentations# entertainment

Attire: Business Elegant

Experience the sights, sounds, and tastes from around the world

Honouring Sydney MartinPresident of Affimex Customsand Trade Services (ACTS) Inc.

The#event#will#include#formal#remarks#by#sydney#Martin,#and

The Business Lifetime Achievement Awardwill#be#presented#to

IGNAT KANEFF, LL.D. (HON.),the#kaneff#group#of#companies,#a#valued,#tenacious#and#

savvy#business#professional#according#to#many#in#our#city.

MboT#is#pleased#to#welcome#comedian#evan#carter#as#the#event#emcee#and#dinner#entertainment#by#carassauga#dancers.

TICKETS: Early-bird Special: Tickets $200 eachAfter March 25, 2011: $225 each

For event information & sponsorship please contact Brynna Williams at (905) 273 6151 ext. 32 or

[email protected]

LIONHEADGolf & Country Club

8525#Mississauga#road,#brampton,#on#l6Y#0c1

FuLL SCRAMbLE FORMAT

» Early-Bird Special - Ends Friday, May 27, 2011

» Individual Tickets: $225» Foursome: $885» Foursome + Hole

Sponsorship: $1100Thursday, November 17, 2011 Gain recognition in the business community

++ Increase credibility of your organization++ Increase marketability through media coverage++ Become known as a leader in your industry

6:00#p.m.#–#cocktail#reception6:45#p.m.#–#dinner#&#awards#presentations

Attire: Business Elegant

For event information & sponsorship please contact Brynna Williams at (905) 273 6151 ext. 32 or

[email protected]

buSINESS AwARDS OF ExCELLENCE 2011

February

Monday,#february#28,#2011sPeed netwOrkinG FeBruarytime: 4:30#p.m.#-#6:30#p.m.location:#cora’s,#4559#hurontario#st.,#unit#9#Mississauga#l4Z#3l9Fee:#MboT#Member:#$30#|#non-Member:#$50registration:##contact#amanda#dupuis#at

(905)#273#6151#ext.#21#or#[email protected]

MarCH

Wednesday,#March#9,#2011GOOd MOrninG MississauGa (GMM)time:#7:30#a.m.#-#9:30#a.m.#location:#TbaFee:##MboT#Member:#$15#|#MboT#Member#-#speaker:#$25

non-Member:#$30registration:##contact#amanda#dupuis#at

(905)#273#6151#ext.#21#or#[email protected]#

Monday,#March#28,#2011MississauGa Business XChanGe (MBX)time:#5:00#p.m.#–#7:00#p.m.location:##courtyard#residence#inn#by#Marriott,#

5050#creekbank#rd.,#MississaugaFee:#MboT#Member:#free#|#non-Member:#free#registration:##contact#amanda#dupuis#at

(905)#273#6151#ext.#21#or#[email protected]

THURSDAY, MARCH 24, 2011 THURSDAY, MARCH 31, 2011

uNDERSTANDING CuLTuRAL DIFFERENCES

TO bETTER RECRuIT, RETAIN AND INTEGRATE INTO YOuR wORKPLACE

7:30 a.m. – 10:00 a.m.Living Arts Centre, 4141 Living Arts Drive Mississauga

MBOT Member / Non-Member: FREE registration: www.mbot.com

$250

LET MBOTPAY YOU!

for every newmember referral

Introduce any potential new member by e-mail or in person by

March 31, 2011

On approval of membership we will credit your MBOT

account with$250.00

Your credit may be used toward membership dues, events, sponsorship or advertising.

Non-transferrable.Credit must be used by

August 31, 2011. New member must join and pay first-year membership dues by

April 30, 2011.

SEMINARS | REGULAR EVENTS | KS – KEYNOTE SPEAKER

thursday, March 3, 2011sOCial Mediaspeakers: Joan Mizzi-Fry, Nuleaf Communications

Farhan Zahir, SONET Mobile Declan Treacy, Gilaroo

time: 7:30 a.m. – 11:00 a.m.location: Centre for Health & Safety Innovation

5110 Creekbank Rd., MississaugaFee: MBOT Member: $30 | Non-Member: $45registration: Contact Brynna Williams at

(905) 273 6151 ext. 32 or [email protected], or visit www.mbot.com for online registration

Business Learning SEMINAR

thursday, april 28, 2011GrOwth & POwerspeaker: Anthony Longo, CEO Longo Brothers Fruit Marketstime: 7:30 a.m. - 9:30 a.m.location: Glenerin Inn, 1695 The Collegeway, MississaugaFee: MBOT Member – Regular: $55

MBOT Member - Table of 8: $390 Non-Member – Regular: $75 Non-Member – Table of 8: $540

registration: Contact Brynna Williams at (905) 273 6151 ext. 32 or [email protected], or visit www.mbot.com for online registration

8 Mississauga Board of Trade

Networking 101


Marketing & Communications

MississauGa CeleBratiOn square a Catalyst FOr BrinGinG PeOPle & Business tOGether dOwntOwnBy Marie Fitzpatrick-Hall

Oh, the PlaCes yOu’ll GO! By Audie McCarthy

dr.# seuss# was# a# famous# american# writer# and#cartoonist,# best# known# for# his# children's#books,# but# who# knew# one# could# apply# his#

writing#to#business#networking?

“ You have brains in your head. You have feet in your shoes. You can steer yourself any direction you choose. You're on your own. And you know what you know. And YOU are the guy who'll decide where to go.”

Where#have#you#decided#to#go# in#the# last#30#days?#Where#have#you#networked?#of#course#there#is#the#Mississauga#board#of#Trade,#but#where#else?#This# issue#of#MboT# is#all#about#Taxation,#accounting,#financial#planning# and# banking.# do# you# take# advantage# of# the# opportunities#presented#by#the#financial#sector?#here#are#a#few#ideas:#

# TALK TO YOUR ACCOUNTANT.##ask#if#they#offer#any#“tax#talks”#for#their#customers.#it#could#be#a#great#place#to#go#meet#other#business#people.

# TALK TO YOUR FINANCIAL PLANNER AND/OR BANK MANAGER.#They#often#offer#seminars# for#small#businesses.#not#only#will#you#meet#people,# you#might# learn# something# in# the#process# that#will#help#your#business#to#succeed.#

i# was# recently# invited# to# attend# a# seminar# at# a# local# bank.# i# don't#even#bank#there#but# i#went#anyways#and#offered#to#do#a#15-minute#"networking#activity."#Why?#it#got#me#out#of#my#seat#and#in#front#of#a#room#full#of#people;#it#allowed#me#to#stand#out#from#all#the#others#at#the#event.#i#also#offered#one#of#my#books,#“Networking Edge –Building Relationships for Success,” as#a#door#prize,#which#of#course#allowed#me#to#collect#the#business#card#of#every#person#at#the#event.

don’t# forget# though,# in# order# for# networking# to# be# truly# successful#it# must# be# mutually# beneficial.# shawn# Macdonald,# branch# Manager#at#rbc# in#hamilton,#as#well#as#employers#and#guests#also#benefited.#The# networking# activity# created# a# buzz# in# the# room,# giving# people#permission# to#connect#with#each#other.#according# to#shawn,# “It was quite evident that everyone really enjoyed it and there was a lot of cross referrals amongst the businesses participating.”

i#challenge#you#to#look#for#networking#opportunities#that#you#may#not#have#considered#before#-#attend#them#and#then#tell#others#about#it.#You#have#everything#you#need#–#“You#have#brains#in#your#head.#You#have#feet#in#your#shoes”-#and#don’t#forget#your#business#cards!

Audie McCarthy is President and Founder of The Marrek Group and author of “Networking Edge – Building Relationships for Success.”

l######ocation,# location,# location;# in# real# estate,####location# is# the# cornerstone# to# success.# it’s## also# true# for#marketing#–#especially# in# terms#

of#attracting#a#large-scale#audience,#as#is#the#case#with#the#new#development#in#the#city’s#downtown#core.#Mississauga’s#new#celebration#square#is#well#underway,# with# an# official# opening# in# june# and#grand#public#celebration#on#canada#day#in#july.

The# central# location# of# Mississauga’s# celebration# square# will# draw#people# from# the#downtown#core,# from# right#across# the#city# and# the#greater#Toronto#area.#This#new#public#space#will#revolutionize#the#city’s#downtown# with# state-of-the-art# digital# program# screens,# massive#performance#stage,#and#a#multitude#of#events#and#activities#for#all#ages#and#interests.##

new#and#exciting#amenities#have#been#created#as#part#of#the#redeveloped#civic#square:#a#new#amphitheatre,#stage#and#sound#system,#a#larger#and#improved#rink,#dynamic#digital#program#screens,#water#feature#and#a#beautiful#glass#pavilion#and#permanent#outdoor#market#area.#residents#and#businesses#will#now#have#a#premiere#location#to#host#events#and#launch#products#or#services#right#in#their#own#city#backyard.#

a# team# of# consultants,# architects,# construction# firms,# designers#landscape#architects,# engineers# and# visual# identity# designers# are# the#army# behind# the# construction# and# development# of# the# new# square.#paul#damaso,#the#city’s#Manager#for#Mississauga#celebration#square,#feels#it#will#provide#Mississauga#businesses#with#great#opportunities#to#create#promotions#and#experiences#for#their#key#audiences.

paul#answered#a#few#questions#about#the#project,#which#is#scheduled#to#open#this#year:

MARIE:#What#can#residents#and#businesses#expect#when#Mississauga#celebration#square#opens?

PAUL:#They#can#expect#a#great#downtown#public#space#that#showcases#Mississauga#as#a#leading#city.#The#new#square#will#be#a#beautiful#place#where#we#can#celebrate#our#community,#promote#our#past,#take#pride#in# our# diversity,# and#highlight# some#of# the# incredible# cultural# talent#that#this#city#has#to#offer.#The#unique#technology#and#diverse#range#of#amenities# at#Mississauga#celebration#square#will# distinguish# it# from#other#public#spaces#in#the#greater#Toronto#area.#

MARIE:# What# are# some# of# the# opportunities# that# businesses# should#focus#on#when#assessing#the#potential#use#of#the#square?

PAUL:#as#a#premiere#destination,#businesses#can#create#unique#events#and#activities#that#they#can#bring#to#the#square,#or#they#can#partner#to#showcase#their#products#and#services#to#a#wide-ranging#audience.#people#can#expect#a#place#where#there’s#always#something#to#do.#

Mississauga# celebration# square# will# be# a# place# where# residents# can#come#together#to#celebrate#life#in#the#city.

for#more# information#on#the#new#square#and#and#how#to#book#your#next#corporate#event,#go#to:#www.mississaugacelebrationsquare.ca.

Marie Fitzpatrick-Hall works in the marketing and communications industry and as a freelance writer and consultant. She is the VP of Volunteer Services with the International Association of Business Communicators / Toronto chapter; and the volunteer Director of Communications and Marketing for the Mississauga Wolverines Basketball Association. She can be reached at: [email protected].


Small Business Tips

taXatiOn, aCCOuntinG, the list GOes On…By Heidi Brown

takinG POsitiVe aCtiOn: new OPPOrtunities tO reduCe taXesBy David Predovich

although# we# are# well# into# the# new# Year,# it’s#time#to#start#thinking#about#wrapping#up#the#old.# There# are# a# number# of# considerations#

and# items# to# cross# off# your# list# to# complete# your#previous#year#of#business.#This#is#assuming#you#have#chosen#december#31st#as#your#year#end,#or#are#self-employed,#where#there#is#no#option#of#year-end#date.

one# pressing# item# to# consider# is# the# proper# filing# of# income# and#business#taxes.#The#canada#revenue#agency#(cra)#says#that#if#you#have#self-employment#income,#or#are#the#spouse#or#common-law#partner#of#someone#who#does,#with#a#few#exceptions,#you#have#until#june#15th#to#file#your#income#tax#return.#but#did#you#know#that#if#you#have#to#pay#any#income#tax,#the#april#30th#deadline#still#applies?#To#learn#more#visit,#http://www.cra-arc.gc.ca/tx/bsnss/menu-eng.html.

With#the#recent#introduction#of#the#hsT,#there#is#also#a#new#tax#process#that# business# owners# must# prepare# for.# if# you# have# annual# taxable#supplies# of# $1.5# million# or# less,# your# business# must# file# an# annual#tax#return.#however,#you#may#wish#to#choose#a#monthly#or#quarterly#tax#filing#so#that#you#can#benefit#from#the#hsT#input#Tax#credit#(iTc).#The#cra#provides#iTc’s#so#that#business#owners#are#not#penalized#for#the#hsT# they#pay#when# they#purchase# supplies# for# the#business.# for#more#information#visit#http://www.cra-arc.gc.ca/tx/bsnss/tpcs/gst-tps/menu-eng.html.

Time# is# also# quickly# approaching# to# file# employee# information.#if# your# business# has# employees,# the# reports# must# be# completed#and# employees# must# receive# their# T4# slips# on# or# before# the# last#day# of# february.# failure# to# adhere# to# these# deadlines# could# result#in# a# penalty# of# $25# per# day,# for# each# employee,# which# can# add#up# quite# quickly.# for# more# information# on# T4s# and# filing,# visit#http://www.cra-arc.gc.ca/tx/bsnss/tpcs/pyrll/rtrns/t4/slps/dstrbt-eng.html.

When#you#work#for#your#investment#income,#the# last# thing# you# want# is# to# see# your#returns# eroded# by# taxes,# but# you# can# do#

something# to# protect# the# money# you# make.# The#following#are# several# strategies# that# can#help#you#reduce#your#family’s#tax#bill.

A HISTORIC OPPORTUNITY RIGHT NOW: THE SPOUSAL LOAN STRATEGYif#you#pay#taxes#at#the#highest#rate,#you#know#how#punishing#canada’s#marginal#tax#system#can#be.#but#if#your#spouse#earns#little#or#no#taxable#income,# you# currently# have# a# historic# opportunity# to# reduce# your#family’s#overall#tax#bill#using#the#spousal#loan#strategy.#here’s#how#it#works:#make#a#loan#to#your#spouse,#which#is#backed#by#a#promissory#note#setting#out#the#terms.#Your#spouse#then# invests# the#entire# loan#in# their# name#and# this#way# the# investment# income# is# taxed#at# your#spouse’s#lower#marginal#rate#–#reducing#your#taxes.

To#ensure#the#income#is#taxed#in#your#spouse’s#hands,#and#not#yours,#your#spouse#must#pay#you# interest#at#a#certain# rate,#which# is#set#by#the#canada#revenue#agency#(cra).#however#cra-prescribed#interest#rates#on#spousal#loans#have#dropped#to#current#historic#lows,#creating#an# unprecedented# opportunity# to# maximize# this# proven,# yet# often#overlooked#strategy.#rates#may#change,#so#consult#with#a#professional#advisor#for#the#latest.

HELPING YOUR FAMILY WHILE REDUCING TAxES: THE FAMILY TRUSTYou#could#experience#some#large#capital#gains#over#the#next#few#years#as# stock# markets# recover.# While# this# is# welcome# news,# gains# are# of#course# taxable# outside# a# non-taxable# account.# one# way# to# reduce#

With#all#of#these#dates#and#items#to#take#care#of,#creating#a#schedule#of#the#different#deadlines#and#submission#dates#for#your#business#is#a#great#way#to#make#sure#that#you#are#meeting#all#of#your#government#obligations# and# responsibilities.# The# cra# offers# a# number# of# free#seminars#on#hsT,#hiring#of#new#employees#and#the#operation#of#a#small#business,# along#with# a# business# information# line# that#we# encourage#entrepreneurs#and#business#owners# to# take#advantage#of.# The#Mbec#office#also#has#free#resources#available#in#our#office#to#help#you#with#these# filings.# Tax# filings# may# seem# like# a# challenge# but# with# proper#planning#and#guidance,#it#will#help#make#your#business#run#smoothly.#

This#is#article#has#been#developed#in#partnership#with#the#Mississauga#board#of#Trade#to#provide#you#with#small#business#information,#resources#and#guidance.#visit#Mbec#at#www.mississauga.ca/mbec,#contact#us#at#(905)#615-4460#or#drop#by#the#Mbec#office#located#on#the#4th#floor#of#the#Mississauga#central#library.#

Heidi Brown is Manager, Small Business of the City of Mississauga’s Mississauga Business Enterprise Centre.

these#taxes#is#through#the#new#rbc#dominion#securities#family#Trust#with#which#you#can#effectively# transfer# the# tax-reporting#obligation#for# the# taxable# income# generated# in# the# trust# to# your# children# or#grandchildren.#because#of#the#basic#personal#amount#they#can#claim#on# their# tax# returns,# each# can#earn#up# to# approximately#$50,000# in#tax-free#income,#depending#on#the#income#mix#generated#in#the#trust.

To#qualify#for#the#tax#break,#the#income#generated#must#be#used#for#the#benefit#of,#or#allocated#to,#the#beneficiaries#of#your#family#Trust.#if#you#are#currently#paying#for#things#like#children’s#education#costs#from#your#after-tax#income,#this#option#can#make#a#lot#of#sense.#When#properly#structured,#you#don’t#pay#taxes#on#the#capital#gains#earned#within#the#trust,#so#your#dollar#goes#a#lot#further#in#covering#this#cost.

EARN TAx-FREE INVESTMENT INCOMEThe# new# Tax-free# savings# account# (Tfsa)# is# an# easy# way# to# reduce#taxes.# With# the# Tfsa,# you# can# earn# tax-free# investment# income#and# make# tax-free# withdrawals# any# time,# for# any# reason.# You# can#contribute#up#to#$5,000#annually,#which#seem#like#a#small#amount#but#over#time#can#make#a#big#difference,#especially#with#the#effect#of#tax-free#compound#growth.

This article is supplied by David Predovich, an Investment Advisor with RBC Dominion Securities Inc. Member CIPF. This article is for information purposes only. Please consult with a professional advisor before taking any action based on information in this article.

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But did you know that if you have to pay any income tax, the April 30th deadline still applies?

12 Mississauga Board of Trade 13Volume Six | Issue 1 | 2011

a new year, a new yOu!By Susan Bryce

We#have#ushered# in#a#new#year#with#many#passionately# setting# goals# to# take# better#care# of# their# health,# get# out# of# debt# or#

improve# their# relationships.# it’s# now# february;#excitement# has# waned# and# a# quiet# desperation#has#gradually#seeped#in.#Maybe#you#count#yourself#among# those# who# do# not# set# goals# because,# why#set#goals#if#you#have#no#intention#of#keeping#them?#every# gym# across# the# country# knows# that# most#people# quit# by# february,# simply# because# the# right#expectations#were#not#set#in#the#beginning.

What# if#we#could# stop# looking# for# the#major#breakthroughs#and# the#results# we# can# feel# and# start# taking# the# approach# of# incremental#progress?# in#his#book,# "The#slight#edge,"#author,# jeff#olson,# explains#that#good#health#isn't#an#accident#and#poor#health#isn't#a#stroke#of#bad#

luck.#our#entire#health#crisis#is#nothing#but#one#set#of#little#decisions,#made# daily# and# compounded# daily,# winning# out# over# another# set#of# little# decisions,# made# daily# and# compounded# daily.# no# success# is#immediate#and#no#failure#is#instantaneous.#What#is#easy#to#do#is#also#easy#not#to#do.#ask#anyone#who#would#rather#watch#Tv,#consistently#eat#lunch#at#their#desk,#or#stay#in#bed#a#little#longer,#versus#getting#up#to#exercise#for#30#minutes.#

it# is# the# small# steps# taken# on# a# daily# basis# that# result# in# eventual#success.#unfortunately,#there#is#a#period#of#time#where#little#or#nothing#appears# to# be# happening# and# it# is# easy# to# become# discouraged# and#quit.#When#results#are#not#immediate,#it#will#be#your#unwavering#belief#in#your#dreams#and#sheer#persistence#that#will#help#you#to#reach#your#goal.#even#a#small#effort#is#beneficial;#packing#a#meal#and#taking#a#short#walk#on# your# lunch#break# instead#of# eating# in# the#office,# or# getting#together#a#group#of#colleagues#to#try#an#aerobics#class.#each#of#us#has#the#opportunity#to#make#healthy#changes,#so#why#aren’t#we?#decide#this#year#to#make#right#choices#that#serve#and#empower#you,#starting#now#and#continuing#for#the#rest#of#your#life.

so#every#day,#exercise#a#little,#take#a#few#nutritional#supplements#and#eat# a# little# healthier.# That# “slight# edge”# over# time# will# give# you# the#appearance#of#being#an#overnight#success,#both#in#your#personal#and#professional#life!

Susan Bryce is the President of Simply Divine Spa, a corporate onsite massage and spa service. She is also a USANA Health Sciences Independent Associate, providing her customers with health and wellness products to maintain optimal health. To contact Susan, call 1-877-747-7379; e-mail [email protected]. MBOT members may take a complimentary health assessment by visiting www.susanbryce.usana.com. Print out your results and contact Susan for a discount on product purchases!

an#actuary#measures#and#manages#risk.#i#focus#on# the# four# main# financial# risks:# longevity,#mortality,# morbidity# and# disability.# We’ll#

explore#each#and#ways#to#tackle#them.#

LONGEVITY: the risk of outliving your savingsWe’re# living# longer,# which# means# we# need# more# money# during#retirement.# if#we're#healthy,#we#may#have#expensive#hobbies#such#as#travel,#cottages#or#grandchildren.#if#we#become#ill,#we#may#face#hefty#

additional#medical#expenses.

outside# the# public# sector,# few# have# solid#pension#plans#with#guaranteed#lifelong#benefits#and#indexing#to#combat#inflation.#What#can#the#rest# of#us#do?#save# for# our# futures#ourselves.#You’ll# find# a# great# amount# of# (conflicting)#advice# on# investing# elsewhere.# however,# the#sooner#you#start,#the#better.

MORTALITY: the risk of dying prematurelyif# you# have# dependents,# mortgage# payments,#education#and#family,#expenses#continue#after#an#income#earner#dies.#life#insurance#provides#a#cost-effective#way#to# leave#a#tax-free# lump#sum,# if# you’re# healthy# enough# to# qualify# for#adequate# coverage.# You# may# only# have# basic#coverage#through#work.

Term# life# insurance# is# excellent# for# short-term# needs# but# becomes#increasingly# expensive.# at# the# ages# where# death# is# more# certain,#coverage# is#no# longer#available.#Why#would#you#want# life# insurance#when#you're#70#or#older?#for#estate#planning#—#for#example,#to#offset#the# taxes# on# the# capital# gains# from# your# cottage,# investment# real#estate#or#shares.

MORBIDITY: the risk of unexpected medical expensesas#we#age,#we#realize#how#our#bodies#are#weakening#and#how#expensive#medical#care#is.#ohip#and#employee#benefit#plans#help.#however,#even#those# who# take# excellent# care# of# their# health# could# face# cancer,# a#stroke,#alzheimer’s#disease#or#a#heart#attack.

critical# illness# insurance#can#help#by#paying#a#lump#sum#for#covered#conditions.#some#plans# refund#your#premium#if#you#make#no#claims.#That# gives# you# another# source# of# retirement# income# to# tackle# your#longevity#risk.

DISABILITY: the risk of losing your income

if#you#become#disabled,#your#income#usually#drops#but#your#expenses#may#not.# Your#disability# could# last# for#months#or# years# and#exhaust#your#savings.

disability# income# replacement# insurance# helps.# protection# varies#widely;#your#employer#might#provide#basic#coverage.#

THE COSTS########how#can#we#afford#to#ensure#against#every#

financial#risk?#We#can't#and#don’t.#priorities#and#situations#differ#and#solutions#change.#You'll#need#to#assess#which#risks#are#more#likely# and#more#financially# devastating.# if#you# haven’t# had# your# situation# evaluated#recently,#why#not#now?

Promod Sharma, FSA, FCIA | Marketing Actuary | Taxevity | 416-938-3711 | [email protected]

taMinG the FOur FinanCial risksBy Promod Sharma

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if# you# are# an# employer# in#ontario,#you#are# likely#already#aware# that# on# june# 15,# 2010,#

bill# 168,# an# amendment# to#ontario’s# occupational# health#and#safety#act,# came# into# force.#This# far-reaching# bill# requires#

employers# of# all# sizes# to# protect# workers# from#violence#and#harassment#in#the#workplace.

WHY HAS THIS BILL BEEN ENACTED?before# the# introduction# of# bill# 168,# ontario# was# only# one# of# two#remaining#provinces# that#had#not# yet# enacted# legislation#addressing#workplace# violence.# in# addition,# several# high-profile# work-related#killings#highlighted# the#need# to#address# these# issues.#one# such# case#was#the#murder#by#pierre#lebrun,#in#2000,#of#four#co-workers#following#incessant#bullying#by#colleagues.#in#a#2005#case,#nurse#lori#dupont#was#harassed#and#killed#by#estranged#lover,#dr.#Marc#daniel,#at#Windsor’s#hôtel-dieu#grace#hospital#where#they#both#worked.#statistics#canada#additionally#found#that#nearly#one-fifth#of#all#violent#assaults#occur#in#the#workplace#(2004#data).

“WORKER” NOT “EMPLOYEE”it#is#important#to#note#that#bill#168#employs#the#word#“worker”#rather#than# “employee”.# Why# the# distinction?# because# the# government# has#recognized#that#not#only#are#employees#at#risk#of#violent#and#harassing#acts,# but# also# so# are# others# in# your# worksites.# Therefore,# “worker”#includes# not# only# employees# but# also# dependent# and# independent#contractors,#such#as#those#that#might#be#servicing#an#air-conditioning#system#or#photocopier.

WHAT IS REqUIRED TO COMPLY WITH BILL 168?in# order# to# comply# with# bill# 168’s# requirements,# you# must# conduct#risk#assessments,#develop#and#maintain#policies#outlining#what#these#risks#are,#implement#procedures#to#control#worker#risk#exposure,#detail#how# to# summon# immediate# help# and#how# to# report# incidences,# and#describe#how#incidents#will#be#investigated#and#dealt#with.#You#are#also#required#to#develop#programs#to#train#employees#on#these#policies#and#procedures,#warn#workers#of#violent#individuals#—#even#those#related#to#workers,#and#advise#them#of#their#right#to#refuse#unsafe#work.#Training#and# documentation# must# outline# acceptable# and# unacceptable#behaviour.#While#most#employees# likely#have#a#strong#grasp#of#what#violent#behaviour#entails,#harassing#behaviour#is#less#clear.#employees#must#be#advised#that#any#form#of#sexual#or#psychological#harassment,#bullying,#ostracism#and#belittling#of#coworkers,#or#harassment#on#the#basis#of#any#human#rights#grounds#(such#as#gender,#religion,#ethnicity)#will#not#be#tolerated#at#any#level#of#the#organization.

Additional information is available on Ministry of Labour and WSIB websites. Your Human Resources and/or legal advisors can help you achieve compliance to Bill 168’s requirements. This article was written by Andrea Zanetti, MBA CHRP CCP CBP GRP is a Human Resources professional and President Elect of the HRPA, Peel Chapter.

Bill 168: are yOu COMPliant?

T#he#concept#of#volunteering# is#not#a#new#one.#Many# of# us# have# volunteered# at# one# time# or#another,#and#for#some,#donating#time#is#a#regular#

activity.# volunteering# benefits# your# community# by#supporting#the#organizations#that#deliver#programs#and#services#by# fundraising#and# raising#awareness#for#specific#causes.#in#addition,#the#individuals#who#make#the#time#and#commitment#to#volunteer#also#benefit#in#many#ways.#

some#of#these#benefits#include#giving#back#to#and#enhancing#your#community,#meeting#new#people,#improving# self-esteem# and# even# improving# your#health.#as#well,# there# are# also#many#professional#benefits#of#volunteering#for#people#at#all#stages#of#their#careers.#

first#and#foremost,#volunteering#provides#valuable#and# current# hands-on# experience.# This# can# be#crucial# for# someone# entering# the# workforce,# but#may#also#be#helpful#to#someone#who#is#considering#a# career# change.# volunteering# can# also# provide#the# chance# to# develop# and# enhance# leadership#and# presentation# skills# and# project# management#skills,#in#a#supportive#environment.#donating#your#time#can#also#be#one#of#the#best#ways#to#develop#a#diverse#network#of#contacts#from#various#industries#and#walks#of#life.##

sMall Business Owners & FinanCial PlanninG By Leena Sohal

f#ew#people#in#the#market#place#work#harder#than#the#independent,#small#business#owner.#he/she#is# usually# the# manager# of# every# department#

in# the# operation,# as# well# as# president# and# ceo.one# could# easily# think# that# entrepreneurs# in# this#tremendously# productive# sector# of# the# economy#inspired#the#idea#of#“24/7.”

so#busy# they#are# and# so# totally# immersed# in# their# endeavours,# that,#more#often#than#not,#they#keep#postponing#the#most#critical#business#planning# of# all.# True# long-term# success# for# a# small# business# will#eventually#be#measured#by#its#ability#to#deliver#in#three#areas:

regardless#of#your#reasons#for#volunteering,#there#are#some#things#to#consider# before# starting# out.# first,# what# type# of# organization# would#you# like# to# support?#What# is# your# passion?#also# consider#what# type#of# volunteer# assignment# you# would# be# interested# in.# What# are# you#expecting#from#your#volunteer#experience?#What#is#your#availability?#

There#are#many#outlets#for#finding#volunteer#opportunities.#if#you#have#created#a#list#of#organizations#you#are#interested#in,#the#next#step#would#be#to#visit#their#websites#to#learn#about#current#volunteer#needs#and#application# criteria,# or# to# contact# them# to# arrange# an# informational#interview#with#the#volunteer#manager.#You#could#also#turn#to#volunteer#Mbc,#Mississauga’s#local#volunteer#centre#at#www.volunteermbc.org#or#

charity#village#at#www.charityvillage.com.#both#of#these#sites#can#be#very#useful#when#searching#for#volunteer#opportunities#in#the#community.#

lastly,# be# sure# to# document# your# volunteer#experience# on# your# resume.# Your# unpaid#accomplishments#will#be#valued#highly#by#current#and# potential# employers,# and# show# a# sense# of#commitment#and#dedication.#

This#arTicle#is#parT#one#in#a#series#abouT#The#benefiTs#of#volunTeering.#WaTch#for#parT#2#in#MboT’s#upcoMing#april#issue.#

This article was written by Lorna Catrambone, Manager Community Engagement, The Arthritis Society. For more information on the Arthritis Society’s services, please visit: http://www.arthritis.ca.

# a#comfortable#and#timely#retirement#for#the#owner

# an# effective# succession# that# preserves# the# business# value# and#ensures#continuation

# and#preventing/avoiding#serious#obstacles#along#the#way

Many#times,#all#that#is#required#to#achieve#all#three#of#these#objectives#is#the#decision#to#invest#a#little#time#in#assessing#the#issues#involved,#come#out#with#the#most#appropriate#solutions#and#go#about# implementing#them#in#an#orderly#manner.#This#is#a#systematic,#step-by-step#process#known#as#financial#planning.

for#instance,#in#order#to#address#the#issues#highlighted#above,#one#has#to#analyze#and# formulate#a#plan#under# three#corresponding#areas#of#financial#planning.#They#are#retirement#planning,#succession#planning#and#risk#Management.#sure#enough,# it# can#only#help# to# look#at# Tax#planning#and#cash#flow#Management#along#the#way

We#are#all#free#to#postpone#business#decisions#but#at#least#we#should#be#fully#aware#of#the#potential#damaging#effects#of#so#doing.#on#the#issues#we#are#considering# in#this#article,#time#is#of#the#essence#and#it# is#so#for#two#reasons:#a)#time#is#the#most#important#compounding#factor#in#financial#growth,#and#b)#we#do#not#have#control#on#certain#catastrophic#events#that#could#derail#and/or#bring#to#an#abrupt#end#our#success#in#business.#it#is#never#too#late#and#one#is#never#too#young#to#get#started#with#your#financial#planning!

This article was written by Leena Sohal, CFP. For more information on Leena’s services, please call (905) 366 8455.

VOlunteerinG– is it FOr yOu?

donating#your#time#can#also#be#one#of#the#best#ways#to#develop#

a#diverse#network#of#contacts#from#various#industries#and#walks#of#life.

By Andrea Zanetti By Lorna Catrambone


While# it’s# true# that# risk#management# can# be#complex#for#a#large#cor-

poration,# it’s# not# necessarily# so#for#small#and#medium-sized#busi-nesses.#risk#Management#involves#the#evaluation,#management#and#

economic#control#of#risks#that#threaten#the#assets#or#earnings#of#your#business.

in#order#to#evaluate#the#risks#faced#by#your#business,#your#first#task#is#to#identify#and#measure#them.#classify#them#as#property,#earnings#and#liability#threats,#then#look#at#your#property#and#make#a#list#of#assets#and#earnings#at#risk.

buildings,#equipment,#and#inventory#are#obvious#property#risks.#appraisals#and#valuations#will#give#you#the#measure#of#the#financial#threat#they#represent#and#flow-charts#can#help#to#highlight#areas#which#can#endanger#your#business#earnings.#examine#your#company’s#operations#and#products#to#discover#possible#liability#exposures#to#the#public,#other#third#parties#or#employees.#To#deal#with#the#risks,#you#should#have#an#effective#loss#prevention#program.

for#instance,#you#may#have#a#key#piece#of#equipment#without#which,#your#operation#would#suffer,#or#a#computer#installation#and#valuable#documents#that#are#indispensable#to#your#business.#Your#loss#prevention#program#needs#to#address#problems#that#are#unique#to#your#business#and#reduce#the#chance#they#will#occur.#

fire#and#natural#disasters#are#likely#to#have#the#most#severe#impact.#regular#inspections,#preventative#maintenance#and#upgrading#are#keys#to#safeguarding.#fire-protection#measures#such#as#sprinkler#systems#give#tangible#benefits#in#this#respect;#keep#up-to-date#on#all#local#and#area#by-laws#and#regulations#which#govern#the#repair#and#rebuilding#of#damaged#buildings.#be#aware#of#the#zoning#of#your#premises#and#any#changes#that#are#legislated.#

don’t#overlook#risks#of#theft,#burglary#and#transportation#of#your#goods;#alarm#systems#and#steel#doors#provide#good#physical#protection.#check#that#employees#are#locking#points#of#entry#and#using#alarms#properly.#Merchandise#should#be#properly#packed#and#marked#to#help#avoid#damage#in#transit;#attractive#merchandise#may#be#better#left#unmarked#to#reduce#theft.#

When#reviewing#liability#risks,#take#into#account#possible#property#damage#and#personal#injury.#That#latter#term#applies#to#harm#caused#by#libel#or#slander#(excluding#advertising),#false#arrest,#or#other#invasion#of#privacy.#Make#sure#that#your#premises#are#safe#and#products#have#strong#packaging#and#clear#labeling.#if#you#provide#services#to#the#public,#guard#against#professional#errors#which#could#lead#to#lawsuits.

See that your workplace is safe and healthy for all employees, including protection against sexual harassment, discrimination and physical safety. Get familiar with legislation and regulations which govern employees in the workplace. Oversights could prove costly; damaging lawsuits against you might impair your company’s finances and will certainly hurt your image.

When#your#risk#Management#program#is#in#place,#assess#which#risks#your#business#can#bear#comfortably.#use#legal#agreements#to#pass#risks#to#sub-contractors#and#suppliers;#you#can#require#them#to#sign#“hold#harmless”#or#“Waiver”#agreements#to#assume#some#of#your#liabilities.#beyond#these,#your#insurance#should#provide#coverage#for#most#eventualities.#

Article supplied by MBOT Member, Dan Lawrie Insurance Brokers. For additional information, please call: 1 800 661 1518.

a GOOd risk ManaGeMent PrOGraM is like MOney in the Bank!

AN INVESTMENT OPPORTUNITY IS NOW AVAILABLE THROUGH THE ONTARIO POWER AUTHORITY! getting#fiT#is#a#great#way#to#green#your#investments,#make#a#guaranteed#financial#return,#and#contribute#to#a#cleaner#environment.#

The#feed-in-Tariff#(fiT#and#microfiT)#programs#offered#by#the#ontario#power# authority# (opa)# are# financial# incentives# designed# to# allow#communities,# individuals# and# companies,# to# invest# in# local# economy#and#the#environment.#With#a#20-year#contract#that#provides#guaranteed#financial#paybacks#of#80#cents-per-kilowatt,#private#investors#are#taking#pressure#off#the#electrical#grid#while#creating#local#jobs#in#ontario.

PRICES ARE GUARANTEED TO LARGE AND SMALL ENERGY PRODUCERS The#fiT#program#was#enabled#by#the#green#energy#and#green#economy#act,#2009#and#passed#into#law#on#May#14,#2009.#fiT#is#north#america's#first# comprehensive# guaranteed# pricing# structure# for# renewable#electricity#production.#it#has#two#tiers:#fiT#for#projects#over#10#kilowatts#and# microfiT# for# those# that# produce# less# than# 10# kilowatts.# by#structuring#incentives#for#large#and#small#energy#producers,#ontario#is#enabling#homeowners,#small#businesses#and#commercial#and#corporate#entities#to#participate#in#the#many#benefits#of#fiT.

The#direct#financial#returns#to#investors#are#only#some#of#the#benefits#of#fiT#and#microfiT.#our#province#has#wider#incentives#to#pursue#this#program;#encouraging#the#development#of# renewable#energy#sources#

will#help#ontario#to#phase#out#the#use#of#coal-fired#electricity#by#2014,#a#move#that#is#considered#the#largest#climate#change#initiative#to-date#in#canada.#it#will#also#boost#economic#activity#and#further#development#of#renewable#energy#technologies,#creating#new#jobs#and#industries#in#the#sustainable#development#sector.#

TAKE ADVANTAGE OF GUARANTEED RETURNS ON THE RENEWABLE ENERGY PROjECT OF YOUR CHOICE a# variety# of# options# are# available# to# investors# as# they# choose# the#renewable# energy# sources# best# suited# for# their# project# location# and#resources.#sources#that#qualify#for#fiT#and#microfiT#long-term#contracts#include# solar# photovoltaic# (pv),# landfill# gas,# on-shore# and# off-shore#wind,#biomass,#biogas,#and#waterpower.#

it’s#an#easy#process#to#get#guaranteed#returns#on#your#investment#

The#opa#offers#guidance#and#easy#checklists#to#assist#those#designing#energy# project# plans.# once# a# plan# is# developed,# signing# up# for# the#programs# is# a# straightforward# process# of# submitting# an# application,#receiving#a#conditional#offer,#building# the#project,# connecting# to# the#grid,#and#acceptance#of#the#20-year#contract.#

When you get FIT, we all benefit!

This article was written by Isaac Bazal, President and Julie Nierenberg, Sustainability Development Manager, Vibraclean Corporate Housekeeping. For more information, please call (905) 564 1574 or [email protected] & [email protected].

Green returns are Guaranteed FrOM the OntariO POwer authOrity


Meet yOur

BOard OF direCtOrs

2011


rajesh#has#over#13#years#of#experience#in# the# financial# services# industry.# he#joined# icici# bank# canada# in# april#2007,# in# the# role#of#vice#president#&#head#of#retail#banking,#operations#&#sMe's.##prior#to#joining#icici#bank,#he#was#associated#with#bank#of#america,#standard# chartered# bank,# citigroup#and#abn#aMro#bank.##he#has#worked#extensively# in# consumer# banking,#branch#network,#global#corporate#and#investment# banking,# and# mass#

banking.# # rajesh# holds# a# bachelor# of# commerce# degree# and# has#completed#his#post#graduate#in#business#Management.##being#one#of#the#directors#of#Mississauga#board#of#Trade,#rajesh#is#looking#forward#to#contributing#to#the#well-being#of#Mississauga’s#business#community

ICICI Bank Canada RAjESH RAMAKRISHNAN

syd# Martin# has# been# practicing# in#customs#and#trade#matters#since#1979.#prior# to#being#appointed#president#of#acTs,#he#held#the#position#of#national#director# of# the# customs# and# Trade#services# group# of# affiliated# and,#president#of#their#associated#customs#brokerage# company,# a.W.W.# kyle# inc.#syd#has#represented#clients#on#a#wide#range# of# global# customs# and# trade#issues#and,#before#various#government#departments#and#agencies.#

Affimex Customs & Trade Services (ACTS) Inc. SYD MARTIN

Enersource Corporation KAREN RAS

enersource# provides# the# safe# and#reliable# distribution# of# electricity,#promotes# and# delivers# conservation#programs#and#smart#metering#solutions#to#meet# customers’#needs.#karen#ras,#director,# corporate# relations,# brings#almost#15#years#of#corporate#relations#experience#from#the#public#and#private#sectors.# as# a# resident# of# Mississauga,#karen# embraces# MboT’s# spirit# of#success# by# having# the# voice# of#Mississauga’s# business# community#heard#at#all# levels#of#government#and#within#the#broader#community.

after#many#years#of#business#banking#experience# with# a# major# canadian#bank,# ian# joined# the# business#development#bank#of#canada#(bdc)#in#2001#in#the#role#of#vice#president#and#area# Manager.# he# is# responsible# for#the#gTa#West#area,#and#leads#a#team#of# financing# and# consulting#professionals#dedicated#to#the#growth#and# success# of# entrepreneurs# in# this#business# community.# ian# has#experience# on# various# boards,#

including#the#atlantic#chapter#of#the#financial#executives#institute,#the#halifax#board#of#Trade,#erinoakkids#and#the#arthritis#society.#Through#its# national# network# of# business# centres# and# dedicated# teams# of#professionals,# bdc# promotes# entrepreneurship# by# providing# highly#tailored# financing,# venture# capital# and# consulting# services,# with# a#focus#on#small#and#medium#sized#businesses.

Business Development Bank of Canada IAN MACFADDEN

grant# clark# is# a# seasoned# business#executive#with#more#than#35#years#of#human# resources# leadership# and#consulting# experience# ranging# from#small# entrepreneurial# companies# to#large# complex# international#organizations.# his# senior# level#experience# covers# a# number# of#business#sectors# including#hospitality,#retail# and# manufacturing.# in# 1995,#grant#founded#solutions#for#hr#inc.,#a#Mississauga-based# human# resources#management-consulting#firm.#

Solutions for HR Inc GRANT CLARK

The#university#of#Toronto#Mississauga#is# the# second-largest# division# at#university# of# Toronto# with# 12,000#students,# 700# faculty# and# staff# and#38,000#alumni#worldwide.# #a#campus#with#deep# roots# in# the#community,#u#of#T#Mississauga#partners#broadly#with#the# city# of# Mississauga# in# business#and#civic#initiatives.##andrew,#executive#director#of#advancement,#joined#u#of#T#in# 2006# and# manages# u# of# T#Mississauga's#fundraising,#stakeholder#

relations#and#marketing#portfolios.#having#held# similar# roles#at#York#university#and#The#university#of#Western#ontario,#andrew#has#extensive#experience# working# with# the# public# and# private# sectors# on# the#advancement#of#higher#education.

University of Toronto Mississauga ANDREW STELMACOVICH

larry# petovello# has# worked# with# the#city# of# Mississauga# since# 1989# and#has# held# his# current# position# for# the#last#ten#years.#prior#to#joining#the#city,#he# was# an# economic# development#advisor#with#the#ontario#government.#he# is# an# accredited# economic#development# professional# with# a#bachelor# of# urban# and# regional#planning# from# ryerson# university,# a#diploma#in#public#administration#from#ryerson#university,#and#a#certificate#in#

economic#development#from#the#university#of#Waterloo.#larry#is#also#a#recipient#of#the#university#of#Toronto#arbor#award#for#voluntary#service.

City of Mississauga Economic Development Office LARRY PETOVELLO


Meet yOur

BOard OF direCtOrs

2011


ed#was#appointed#to#his#current#role#as#vice-president,# sales# of# glaxosmith-kline# in# december# 2004# and# is#currently# responsible# for# leading# the#canadian#sales#team#in#canada,#which#includes# an# extensive# and# diverse#portfolio# of# medications# in# therapy#areas,# including# respiratory,# diabetes,#oncology,# infectious# disease# and#vaccines.#in#addition#to#his#mandate#as#a#director#for#MboT,#ed#also#serves#on#the# board# of# directors# for# the#

pharmaceutical# advertising# advisory# board.# ed# has# a# bachelor# of#science#degree# from#the#university#of#Toronto.#glaxosmithkline# is#a#research-based#pharmaceutical#company#devoted#to#discovering#and#developing#new#and# innovative#medicines,# vaccines# and#health-care#products#for#canadians#and#people#around#the#world.#

GlaxoSmithKline Inc. ED DYBKA

reetu#gupta#is#the#executive#director#of#The#easton’s#group#of#hotels.#reetu#has#grown#up#in#the#hotel#industry,#as#her#father,#Mr#steve#gupta,#president#and#ceo#of#easton’s#group,#has#been#building# hotels# for# almost# three#decades.# reetu# currently# leads# the#sales# and# Marketing# division# for# the#company.# easton’s# group# of# hotels#added#three#hilton#garden#inns#to#its#portfolio# this# year# alone.# The# current#portfolio# of# nine# properties# includes#

Marriott,#hilton#and#choice#hotel#brands#of#hotels.#reetu#also#oversees#public#relations#for#easton’s,#including#media#relations#and#sponsorship#activities.# reetu# completed# her# M.b.a# from# the# schulich# school# of#business#and#also#is#a#trained#model.#in#addition#she#is#actively#involved#in# the# community;# she# is# a# director# on# the# board# of# v.o.v,# for# the#development# of# a# new# senior# citizens# residence.# reetu# is# a# very#dynamic#and#multi-faceted#business#woman

Easton's Group of Hotels (Marriott Fairfield Inn & Suites) REETU GUPTA

paul#has#more#than#16#years#experience#in#delivering#canadian#tax#consulting#and#compliance#services.##his#present#practice# is# focused# in# the# firm’s#enterprise# group,# which# is# dedicated#to# assisting# private# company# clients#with#all#facets#of#the#financial#and#tax#issues# surrounding# their# businesses.##paul’s# current# practice# ranges# from#large# privately-owned# canadian# and#multinationals.##he#advises#on#matters#such# as# tax-efficient# structures,#

acquisitions#and#divestitures,#compensation#planning,#estate#planning#and#providing#integrated#tax#advice#for#owner-managers#of#canadian#controlled#private#corporations.

KPMG PAUL WOOLFORD

lorrie# has# been# with# the# greater#Toronto#airports#authority# (gTaa)#for#12#years#and#is#the#director#of#public#affairs# and# communications.# she#oversees# internal# and# external#communications,# including# media,#government# affairs# and# publications,#and# builds# stakeholder# support# for#Toronto# pearson# initiatives.# prior# to#working#at#the#gTaa,#lorrie#managed#government# affairs# for# credit# union#central# of# ontario# and# worked# in#

political#offices#at#the#Municipality#of#Metropolitan#Toronto#and#the#ontario#government.###she#has#a#bachelors#degree#in#political#studies#from#Queens#university# (kingston,#ontario)#and#a#Masters#degree# in#international#relations#from#dalhousie#university#(halifax,#nova#scotia).

Greater Toronto Airports Authority LORRIE MCKEE

liana#Turrin,#senior#counsel#for#pallett#valo# llp,# has# a# broad# range# of#experience#in#acquisitions,#dispositions#and# financing# transactions.# she# has#acted#for#public#and#private#companies#in# a# variety# of# industries# such# as#manufacturing,#real#estate,#high-tech,#financial# and# retail.# her# practice#includes#representation#of#institutional#as# well# as# private# lenders# and#borrowers# in# debt,# asset# and# project#financings# as# well# as# corporate#

restructurings.#she#received#her#bachelor#of#arts#degree,#with#honours,#from#laurentian#university#and#her#bachelor#of# laws#and#Master#of#laws#degrees,#both#from#osgoode#hall#at#York#university.

Pallett Valo LLP LIANA TURRIN

dr.# jeff# Zabudsky# is# sheridan's# sixth#president,# a# position# he# assumed# on#february# 1,# 2010.# prior# to# joining#sheridan,# dr.# Zabudsky# worked# at#post-secondary# institutions# in# nova#scotia,#ontario#and#alberta,#including#six#years#as#president#and#ceo#of#red#river#college# in#Winnipeg,#Manitoba.#dr.# Zabudsky# holds# a# ph.d.# in#educational# policy# studies# from# the#university# of# alberta,# a# Masters# of#distance# education# from# athabasca#

university,# and# a# bachelor# of# applied# arts# degree# in# broadcast#journalism#from#ryerson#university.#since#his#arrival#at#sheridan,#dr.#Zabudsky#has#become#actively#engaged#in#the#communities#served#by#the#college.#he#has#been#appointed#to#the#campaign#cabinets#for#the#united#Way#of#oakville#and#the#united#Way#of#peel,#and#is#serving#as#a#member#of#Mississauga’s#healthy#city#stewardship#centre.#in#addition,#dr.#Zabudsky#is#a#member#of#the#halton#industry#education#council,#the#city#of#Mississauga’s#post-secondary#Task#force,#and#the#Toronto#board#of#Trade#“liveability”#subcommittee.

Sheridan Institute of Technology and Advanced Learning jEFF ZABUDSKY, PH.D.

Michael#hawtin#is#a#senior#manager#in#the# audit# and# assurance# group# at#pricewaterhousecoopers# llp,# with#over# eleven# years# of# experience# in#servicing#a#broad#range#of#private#and#public#companies.#Michael#specializes#in#providing#accounting,#auditing#and#business# advisory# services# to# both#canadian#controlled#and#multinational#businesses,# primarily# manufacturing,#distribution# and# service-based#companies# in# the# pharmaceutical,#

retail,# industrial# and# consumer# products# sectors.# Michael# has#considerable#experience#with#publicly#listed#companies#and#has#been#involved# in# a# number# of# initial# or# secondary# public# offerings# and#income# trusts.# Michael# is# currently# responsible# for# the# audits# of#canadian#public#and#private#companies#and#subsidiaries#of# large#us#based#companies# that# report#under#both#canadian#and#us#generally#accepted# accounting# principles.# in# addition,# Michael# is# involved# in#several# projects# providing# assistance# to# companies# with# their#conversion# to# international# financial# reporting# standards# and#accounting#standards#for#private#enterprises.

PricewaterhouseCoopers LLP MICHAEL HAWTIN

as#head,#canadian#insurance#business,#rino# d’onofrio# is# responsible# for#overall# business# plans,# profitability,#product# development,# pricing,#marketing#and#client#strategies#for#the#canadian# product# lines# of# rbc#insurance:#life,#health,#Wealth,#home,#auto,# Travel# and# group,# as# well# as#creditor# services.# rino# joined# rbc#insurance# in# May# 2004# as# vice#president# and# actuary,# product#development#and#pricing#with#the#life#

and#health#insurance#business.#from#june#2007#to#august#2010,#he#led#the#team#responsible#for#operations,#claims,#underwriting#and#service#for# all# of# the# organization’s# clients# in# canada.# prior# to# joining# rbc#insurance,#rino#held#a#variety#of#leadership#positions,#the#most#recent#of# which# was# actuarial# vice# president# with# canada# life# assurance#company.# # rino# has# a# bachelor# of# science# from# the# university# of#Toronto.##he#is#also#a#fellow#of#the#society#of#actuaries#and#a#fellow#of#the#canadian#institute#of#actuaries.##

RBC Insurance Services Inc. RINO D’ONOFRIO

casey#dibattista# is# the#president#and#chief# operating# officer# of# Tech-con#automation# inc.,# which# has# been#building#a#tradition#of#quality#robotic#systems# and# proven# integrated#solutions.# casey# has# a# wealth# of#experience#in#the#automation#industry,#including# several# senior#management#roles.##his#previous#assignment#was#sr.#general# Manager# of# Yaskawa#Motoman#canada#ltd.,#where#he#spent#seven# and# a# half# years# leading# the#

canadian#team#and#building#long-term#relationships#with#key#accounts.#prior# to# that,# casey# spent# 20# years# at# abb# inc.# in# the# automation#industry#segment,#leading#several#different#business#units.##casey#has#also#served#on#several#boards,#including#past#president#of#the#canadian#process#control#association#and#as#the#founding#chair#of#the#ric#centre.#

Tech-Con Automation Inc. CASEY DIBATTISTAlisa# kember# is# the# regional#development# director# for# constant#contact.# she# works# with# small#business# owners,# associations# and#non-profits,#teaching#best#practices#in#online# marketing.# lisa# is# also# an#entrepreneur;# she# launched#hyperactive# communications,# a#business# marketing# agency,# in# 1999#and#worked#with# the# likes#of#canada#life,# research# in# Motion,# ellisdon#corporation,# aMj# campbell,# ge#

canada,#and#icici#bank#canada.#she#currently#holds#ownership#in#two#additional# ventures# in# the# real# estate# and# educational# sectors.#recognized#for#her#leadership,#lisa#has#been#honored#with#numerous#business#awards#and#is#active#in#the#Mississauga#business#community.#lisa# holds# a# ba# in# honours# english# from# university# of# Waterloo,# a#marketing# certificate# from# ryerson# university,# and# a# resource#development#Management#diploma#from#sheridan#college.

Constant Contact LISA KEMBER

sheldon# has# consistently# exemplified#tremendous# leadership# in# managing#large,#active#and#successful#boards#of#trade# where# he# has# helped# achieve#awards# in# policy# advocacy# and#Membership# services# &# Marketing.##prior#his# appointment#as#president#&#ceo#for#Mississauga#board#of#Trade#in#july# 2008,# sheldon# was# chief#executive#officer#for#brampton#board#of# Trade,# where# he# served# for# over#seven#years.#sheldon#has#made#many#

positive# contributions# to# advancing# the# interests# of# MboT# and# its#members,# growing# the# organization,# enhancing# member# value# and#engagement,# and# securing# the# organization# on# a# strong# financial#footing.# # in# 2009,# he# served# as#chair# of# the#chamber# executives# of#ontario# and# a# director# for# the# ontario# chamber# of# commerce,# and#continues# to# represent# MboT# in# numerous# business# and# community#forums,#organizations,#committees#and#initiatives.

Mississsauga Board of Trade SHELDON LEIBA


a#very#basic#financial#plan#consists#of#a#budget.#once#you#have#established#your#expenses#and#income,# look# for# ways# to# minimize,# reduce#

debt#and#increase#savings.#Many#companies#such#as#Manulife#and#solutions#banking#offer#great#solutions#to# pay# your# mortgage# faster# without# changing#lifestyle#expenses#and#affecting#your#budget,#saving#thousands#on#interest#payments.#

Time#for#a#financial#plan?#There#are#four#cornerstones#to#be#considered:#financial#security#at#death,#living#benefits,#liquidity#and#retirement.

once#money# is#allocated,#we#need#to#cover# risks#such#as#debt,# taxes#owed#at#death,#etc.;#this#is#done#with#life#insurance.#proceeds#received#at#death#are#generally#not#taxed,#depending#on#whether#it#is#"exempt"#or#“non-exempt”#from#taxation.#over-funding#a#permanent#life#insurance#product,#universal#life#(ul),#can#solve#the#above#risks.

next,# create# a# plan# that# will# support# your# family# in# case# of# critical#illness.#Many#companies#offer# return#of#premium#(all#money#back)# if#you#never#fell#ill,#or,#a#lump#sum#if#you#were#diagnosed#with#a#covered#illness,#paid tax-free.#

now# is# the# short-term# need# for# cash:# liquidity.# debt# decreases# and#savings# increase;# your# risks# are# covered.# What# if# we# suddenly# need#a#new# roof#or# car?# There#are# choices# -#a#money#market# fund,#high-interest#savings#account#or#a#Tax#free#savings#account#(Tfsa).#a#Tfsa#allows#you#to#contribute#$5,000#a#year#and#all#growth#is#tax-free.#Most#use# regular# savings# accounts# for# their# Tfsa#but#why#not# invest# and#maximize#your#tax#advantage.

When# it’s# time# to# invest# for# our# retirement,#most# turn# to# registered#or# non-registered# Mutual# funds# or# segregated# fund.# how# do# these#options#compare#when#taxed?

Can a student intern helP yOur COMPany?

do# you# find# yourself#delaying# work# due# to# time#constraints?#perhaps#you’re#

running# an# organization# that#would# like# to# reduce# its# busy#workload?# are# you# growing# your#business#and#could#use#additional#

resources#to#help#with#technology#implementation,#business#administration#or#accounting#and#payroll#duties?# if# so,#a# student# intern#can#prove# to#be#an#extremely#valuable#asset#to#your#company#and#help#you#move#your#business#forward.#

student# interns# are# dedicated# and# motivated# to# show# you,# the#employer,#what#they#have#to#offer,#wanting#to#impress#you#with#their#

NON-REGISTERED MUTUAL FUND

interest# income# is# taxed# the# most,# at# the# same# rate# as# a# salary# or#pension.#capital#gains#are#taxed#on#50%#of#the#gain;#$1000#of#a#$2000#capital# gain# is# taxable.# canadian# dividends# are# taxed# after# being#grossed-up#by#25%#then#reduced#by#an#offsetting#dividend#tax#credit.#if#fund#units#are#sold#and#incur#a#capital#loss,#this#can#offset#or#reduce#other#capital#gains.#interest#and#dividends#on#foreign#income#are#fully#taxable#in#canada#and#are#not#eligible#for#credits.# if#foreign#tax#was#withheld#before#paying#income#to#the#fund,#your#tax#slip#could#include#an#offsetting#foreign#tax#credit.

SEGREGATED FUND

income# is# allocated# monthly# so# no# tax# is# paid# on# gains# that# arose#before#you#owned#units.# if#a#segregated#fund# loses#capital,# the#unit#holders#can#claim#the#capital#loss#on#their#taxes#and#offset#any#capital#gains#made#on#other#investments.#Taxation#rules#allow#the#allocation#of# capital# gains#or# losses#without# cashing# in# the#units#held.#Mutual#funds# cannot# be# allocated# and# the# only# way# to# declare# a# loss# is# to#sell#the#units#held.#segregated#funds#are#useful#for#estate#planning#-#there#are#guarantees#against#loss#of#capital#due#to#market#fluctuation;#it#bypasses#probate#once#a#beneficiary#is#named.#for#business#owners#there#is#potential#to#have#your#investments#creditor#protected.#

below#is#a#summary:

This article was written by Carolyn Moshtagh, Financial Consultant, Gold Coin Group. For more information on their services, please call (416) 283 8899.

skills,#work# ethic# and# talent.# You#will#most#definitely# appreciate# the#extra#help#around# the#office;# student# interns#can#help#provide#great#business#value#as#part#of#your#team#and#are#eager#to#work#for#you.#how#you#benefit#from#them#and#how#much#responsibility#you#offer#is#really#up#to#the#unique#needs#of#your#business.

internships#or#co-ops#are#an#essential#part#of#college#programs#because#in# today’s# workforce,# simply# having# a# diploma# is# not# enough.# The#recession#of#2008#has#not#only#caused#hardship#for#many#businesses,#it# has# also# made# today’s# job# market# extremely# competitive# for# new#graduates.#students#are#not#only#competing#with#fellow#graduates,#but#also#with#recently# laid-off#experienced#workers#so#having#a#valuable#work#experience,#such#as#an#internship,#is#critical.

as#an#employer,#hosting#an# internship# is#a#very# fulfilling#experience.#perhaps#you#were#an#intern#once#-#this#is#your#way#to#give#back#to#the#next#group#of#great#future#leaders#in#ontario.#You#have#the#opportunity#to# work# with# highly# educated# and# skilled# individuals# at# no# cosT!#having# a# student# contribute# to# the# daily# routine# of# your# workplace#can#provide#a#fresh#perspective#about#your#organization's#challenges,#leading#to#new#ideas#and#creative#solutions.#

shape# your# future# workforce# by# hiring# an# intern.# in# some# cases,# an#internship# can# run# from# a# couple# of# weeks# to# a# couple# of# months,#giving# the# employer# an# opportunity# to# teach# a# student# about# your#company.#You#can#work#toward#ensuring#the#competitiveness#of#your#organization# for# the# future.#The#benefits#are# truly#endless#so# try# it#-#hundreds#of#interns#are#waiting#to#work#for#you!

This article was written by Karina Butzek, Marketing Coordinator, triOS College. For more information on interns or other services, please contact (905) 814 7212 ext. 1049 or [email protected].

takinG the PlunGe intO FinanCial PlanninG

FuND DEATH GRARANTEE

MATuRITY GuARANTEE

CREDITOR PROTECTION

INSuRANCE PROTECTION

PRObATE PROTECTION

HIGHER FEE

segregaTed#fund Yes# Yes Yes Yes Yes Yes

MuTual#fund no no no no no no


did#you#know#that#most#hires#without#a#great#system# are# at# best# only# good?# even# then,#you#may#be#batting#.500#with#half#your#hires#

mismatched,#in#the#wrong#position,#or#worse,#hired#and#then#promoted#beyond#their#competence#level.

WHAT IS TOPGRADING?Topgrading#is#the#practice#of#improving#your#employee#pool#to#a#group#of#a#players#and#some#b’s,#while#redeploying#the#c’s.

by#using# the# topgrading# interview# style#and#consistently# looking# for#greatness,#you#can#improve#your#hires#dramatically.#by#evaluating#your#internal#staff#and#rating#your#employees#from#best#to#worst# (from#a#players# down# to#c’s),# you# can# strengthen# your# staff# and# ensure# you#have#a#great#company.

if# implemented# properly,# it# is# not# a# difficult# process.# first,# start# the#program#by#clearly#defining#the#strategic#directions#of#your#company,#division,# or# department.# Then,# assess# your# staff’s# ability# to# fulfill#these#directives.

rate# them# often,# say# quarterly# and# create# definitions# for# core#competencies#-#what#defines#a#players#(top#10-20%),#b#players#(middle#60-80%)#and#c#players#(bottom#10-20%).#can#the#b’s#and#c’s#improve#into#a’s#and#high#b’s?#can#you#train#or#develop#them#in#their#current#positions?#is#there#a#better#position#within#the#company#for#them?#can#they#be#moved?

if# they# are# not# able# to# achieve# excellent# status# after# development#plans,# performance# reviews# and# several# chances,# be# honest# with#them#and#yourself;#it#may#be#better#to#remove#them.#There#may#be#an#opportunity#out#there#where#they#will#excel#but#are#being#held#back#in#your#company,#division,#or#department,#so#set#them#free.

HOW DO YOU REPLACE THEM? always#look#for#greatness#and#for#the#stars#that#you#need.#They#may#not#be#available#when#you#have#an#opening,#but#if#you#aren’t#looking,#you#won’t#see#them.#studies#have#shown#that#companies#have#dramatically#improved#their#short-term#and#long-term#results#through#the#practice#of#topgrading.#if#this#is#the#type#of#development#that#your#company#is#seeking,#topgrading#might#be#an#option.

For more information, see the book, 'Topgrading,' by Bradford D. Smart, published by Prentice-Hall or call Nova Staffing Inc. to discuss at (905) 282 9771.

Banks Must reCOGnize Canada’s Future CitizensneWcoMers#facing#unexpecTed#challenges#When#dealing#WiTh#financial#issues

amparo#ezqueda#came# to# the#peel#region#13#years# ago.# Together# with# her# husband# she#immigrated# under# the# business# immigration#

program# as# entrepreneurs.# despite# the# fact# that#they#brought#substantial#amounts#of#money#into#the#country,# she# remembers# how# challenging# the#first#years#were#financially.#They#soon#faced#difficulties#fulfilling# their# entrepreneurial# obligations# when#banks#wouldn’t#even#issue#them#a#credit#card.

according# to# canadian# immigrant# magazine,# more# than# 60# percent#of#newcomers#to#canada#choose#to#settle#in#the#province#of#ontario,#making#Mississauga#one#of#the#most#diverse#communities#in#the#country.

however,# many# newcomers# do# not# feel# well-informed# about# the#services#that#major#banks#and#other#financial#institutions#offer.#in#their#countries#of#origin,#they#have#become#used#to#dealing#primarily#in#cash;#credit#and#debit#cards#are#new#to#many#and#proper#introduction#is#not#

given#by#the#banks#upon#the#issue#of#these#documents.#for#example,#alok#sharma#came#to#Mississauga#about#a#year#ago#and#he#feels#that,#“banks# should# be# more# congenial# and# courteous.”# newcomers,# as#alok# points# out,# “are# the# future# citizens# of# this# country# and# add# to#the#economy.”

credit#history#is#the#major#factor,#which#prevents#the#banks#from#issuing#loans#to#newcomers.# it’s#obvious#that#the#situation#has#not#changed#significantly#in#the#last#13#years;#amparo#faced#problems#then,#which#are#similar#to#the#problems#faced#by#alok#today.#

recently,# banks# have# begun# to# realize# the# urgent# need# to# help#immigrants# in# their# settlement# process.# all# major# banks# are# in# the#process#of#introducing#improved#services#for#newcomers,#and#not#only#in#english,#but#in#a#variety#of#languages.#rina#lio,#from#royal#bank#of#canada#(cooksville#branch)#says,#“rbc#customer#service#is#available#in#more#than#180#languages#through#our#customer#contact#centre,#located#in#Mississauga.”#The#bank#also#provides#newcomers#with#a,#‘Welcome#to# canada# package,’# that# addresses# some# of# their# immediate# needs.#particularly#useful#recent#additions#are#a#credit#card#that#requires#no#credit#history#and#a#special#loan#program#for#skilled#immigrants.#

other# banks# are# promoting# similar# programs.# however,# according# to#the#newcomers# themselves,# they# require#more#extensive# information#about# these# products# and# services# in# order# to# make# the# right#financial#decisions.

This article was written by Ivan Todorovski and Bjoern Kingsley, both Business Development Advisors at the Newcomer Centre of Peel where they assist newcomers to Canada in starting their own business. For more information, please call (905) 306 0577 ext. 307 or visit www.ncpeel.ca.

425 Admiral Blvd - Unit #2MississaugaOntario L5T 2N1Phone:905-795-8333Fax:905-795-8343

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OR

By evaluating your internal staff and rating your employees from best to worst, (from A players down to C’s), you can strengthen your staff and ensure you have a great company

Best PraCtiCes reView: tOPGradinGare#You#looking#To#hire#nexT#Year?#if#You’re#unsure#abouT#hoW#To#Make#a#successful#hire,#MaYbe#You#need#To#learn#hoW#To#Topgrade!


in#the#past,#it#has#been#challenging#for#financial#institutions# to# conduct# marketing# campaigns#on# the# internet.# This# is# due# to# strict# policies#

and# guidelines# around# client# confidentiality# and#the# perceived# lack# of# security# available# to# ensure#protection#of#financial#clients'#personal#information.#as#such,#up#until#the#last#few#years,#it#has#been#very#difficult# for# financial# firms# –# for# example# banks,#mortgage# lenders,#and# investment#companies#–#to#do#a#lot#of#marketing#on#the#internet.#

however,# with# the# advent# of# social# media# marketing,# many# more#comments#are#being#made#online.#for#example,#if#you#do#a#search#on#twitter# with# the# word# “mortgage”# or# “lender,”# various# conversations#and#comments#come#up#talking#about#current#rates,#what#is#expected#to# happen# with# rates,# (whether# the# rates# will# increase# or# decrease,#reasons#behind#the#fluctuations,#etc.)#and#how#to#go#about#applying#for#the#various#forms#of#financing#–#whether#it#is#for#property,#financing#business# growth,# or# other# capital# assets# an# individual# or# business#wishes#to#acquire.

in# addition,# financial# services# clients# have# spent# the# last# few# years#testing#out#the#financial#services#available#online.#for#example,#more#and#more#canadians#today#use#internet-based#online#banking,#online#financial# applications,# starting# up# an# investment# account# or# trading#online;#all#simply#for#the#purpose#of#convenience.

The#province#of#ontario#has#made#it#a#priority#to#be#fully#accessible#to#persons#with#disabilities.#The#first#stage#in#this#process#is#compliance#with#

the# customer# service# standard# –# the# first# of# five#standards# to# be# legislated# under# the# accessibility#for# ontarians# with# disabilities# act# (aoda).# public#sector#organizations#were#required#to#comply#with#this#standard#by#january#1,#2010,#while#the#private#sector# must# meet# compliance# requirements# by#january#1,#2012.#

organizations#that#do#not#comply#are#subject#to#fines#–#up#to#$50,000#per#day#for#individuals#and#$100,000#per#day#for#organizations,#in#the#case#of#an#offence#under#the#aoda.#

WHO DOES THIS APPLY TO? The# accessibility# standard# for# customer# services# applies# to# all#businesses#and#organizations#that:

# provide#goods#or#services#directly#to#the#public#or#to#other#businesses#or#organizations

# have#one#or#more#employees#operating#in#ontario

The#purpose#of#the#customer#service#standard#is#to#ensure#that#persons#with#disabilities#receive#the#same#level#of#customer#service#to#which#we#are#all#entitled.

WHAT MUST YOUR BUSINESS DO?businesses#and#organizations#are#required#to#do#the#following:#

# establish# policies# and# procedures# to# reflect# best# practices# when#serving#persons#with#disabilities

it# is# as# a# result# of# financial# institutions'# clients# increase# in# trust# in#the#security#of#the#internet#that#financial#services#firms#are#turning#to#website#developers#and#online#marketing#companies#to#get#up#to#speed#marketing#via#the#internet.#They#are#investing#some#of#their#marketing#dollars#into#setting#up#online#marketing#campaigns.#some#of#the#online#marketing#tools#financial#services#representatives#are#starting#to#take#advantage# of# are:# email-based# newsletter# systems,# conversations#with#current#and#potential#clients#via#the#social#media#tools#that#are#increasing# in# popularity# (e.g.# Twitter,# linkedin,# facebook),# placing#basic#'about#us'#information#onto#websites,#and#allowing#clients#to#log#into#secure#sections#of#the#website#to#view#and#update#their#account#information.

financial# institutions#would#benefit#greatly#by#adding# their#websites#and# online# marketing# initiatives# into# the# rapidly-growing# world# of#surfing#the#internet#with#hand-held#devices#such#as#apple's#iphone#&#ipad,#and#contemplating#ways#for#their#marketing#messages#to#reach#those#people#who#are#either#visually-#or#hearing-impaired,#as# this# is#a# growing# segment# of# today's# canadian# financial# markets# who# still#need#services.

Today's# financial# services# firms# have# much# more# opportunity# to#leverage#the#internet#to#grow#their#business#and#leverage#new#ways#to#serve#new#and#existing#markets#within#canada.#

This article was written by Alison Silbert, CEO of Passionate Web Creations and author of Winning Websites and Boost Your Revenues. If you would like more information on Alison’s services or would like to take advantage of her offer of a free introductory session on how to leverage the Internet to grow your business regardless of the state of the economy, email [email protected] or call (905) 361 9835 ext. 3330 with your online marketing desires.

# Train#people#on#how#to#communicate#effectively#and#serve#persons#with#disabilities#in#a#manner#that#takes#into#account#their#disability

# establish#mechanisms#for#persons#with#and#without#disabilities#to#provide#feedback#on#service#from#your#organization

businesses# with# more# than# 20# people# are# subject# to# additional#requirements# including# submitting# annual# compliance# reports# and#keeping#records#of#who#was#trained#and#when.

THE TRAINING REqUIREMENTbusinesses#operating#with#more# than#one#employee# (part-time,# full-time,# contract# or# volunteer)# are# obligated# to# train# their# staff# and#management#on#the# requirements#of# the#customer#service#standard#and#how#to#interact#with#people#with#different#kinds#of#disabilities.#

Take#time#to#think#about#your#business#or#the#company#you#work#for.#do# you# interact# with# the# public# in# some# capacity?# do# you# interact#with# third# party# service# providers,# be# it# suppliers,# manufacturers# or#distributors?# do# you# manage# or# supervise# employees,# volunteers# or#contractors#that#interact#with#any#of#these#parties#on#your#behalf?#are#you# involved# in#developing#policies#and#procedures#around#customer#service?# if# you# answered# Yes# to# any# of# these# questions,# the# aoda#Training#requirement#applies#to#you.

Many#organizations#have# started#developing#policies#and#procedures#as# well# as# exploring# training# options# which# satisfy# compliance# with#the#customer#service#standard.#‘planning#ahead’#measures#afford#the#opportunity# to# practice# and# troubleshoot# aspects# of# the# legislation#prior#to#the#mandatory#deadline,#thereby#decreasing#the#likelihood#of#being#penalized#for#non-compliance.#is#your#organization#ready?

Register for an AODA workshop in Mississauga this February or March. Workshops are offered by proLearning innovations in partnership with the Human Resources Professionals Association (HRPA). For more information on AODA workshops and effective training solutions, visit www.prolearningonline.com or email [email protected]. This article was written by Melissa Magder, Director of Diversity, HR & Intercultural Training at proLearning innovations - a leading AODA training solutions provider for small and large businesses in Ontario.

FinanCial institutiOns will BeneFit FrOM Online MarketinG

COMPlyinG with OntariO’s aCCessiBility leGislatiOn is the law – is yOur Business ready?

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Applewood Hills Plaza 1125 Bloor St.E I Miss, ON L4Y 2N6 I 905.279.9006Meadowvale Business Park 6990 Financial Dr I Miss, ON L5N 8J4 I 905.821.9862

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employers# hear# the# message# repeatedly:# the#workplace#is#changing.#oft-quoted#projections#from# statistics# canada# show# immigration#

will# soon# account# for# virtually# all# net# labour#market#growth.#but#there’s#a#problem#and# it’s#not#the# stereotypical# engineer# driving# a# taxi,# unable#to# find# work# in# his# field.# it’s# that# many# gifted,#internationally# trained# professionals# (iTps),# having#secured# employment# in# their# field,# eventually#become#frustrated#with#barriers#to#career#success.

despite#technical#talents,#they#may#find#themselves#assigned#a#narrow#range#of#work#duties,#excluded#from#direct#customer#contact,#leadership#opportunities#and#normal#career#advancement.#english#communication#challenges# are# often# the# cause,# and# employers# aren’t# sure# how# to#resolve#the#dilemma.#

SOLUTIONS ARE ELUSIVEWhile#many#employers#have#recognized#both#the#barriers#and#need#for#communication#skills#development,#appropriate#solutions#are#elusive.#

CORE LANGUAGE SKILLS:# english# classes# that# build# vocabulary# and#grammar# seem# an# obvious# starting# place.# however,# workplace#communication# performance# improvements# can# be# painfully#incremental.# language# skills# can# be# measured# with# the# 12-level#canadian# language# benchmark# system,# which# suggests# hundreds#of#hours#of# instruction#are# required# to#advance#a# single# level.#What#workplace#could#afford# this#commitment# to# training,#and#how#many#professionals#would#tolerate#the#pace?

STRATEGIC COMMUNICATION SKILLS:#Mainstream#business#communication#courses# target# strategic# skills# for# teamwork,# customer# contact# and#leadership# roles,# but# lack# the# linguistic# and# inter-cultural# depth#required#by#iTps.

CULTURAL FLUENCY:# diversity# training# demystifies# unconscious#assumptions# about# workplace# interactions,# such# as# employee-boss# relationships,# team# roles,# risk# tolerance# and# directness# of#communication.# however,# cultural# awareness# is# only# one# part# of#the#picture.#

SO WHAT WORKS?a#new#hybrid#of#training#is#emerging#to#meet#the#needs#of#a#dynamic,#culturally#diverse#work#environment#populated#by#highly#educated#iTps.#

curricula#should#embed#learning#in#actual#workplace#tasks#and#scenarios#and#should#target#strategic#business#skills#such#as#persuasion#and#active#listening,#enriched#with#core#language#skills#–#vocabulary,#grammar#and#pronunciation.#finally,#they#should#offer#the#key#to#unlocking#workplace#interpersonal#interactions#by#enhancing#awareness#of#culturally#based#assumptions#and#behaviours.#

for#employers#whose#goal# is# to#attract,#develop,# retain#and#promote#top#talent#of#international#origin,#hybrid#communication#training#is#a#godsend.#it#enables#iTps#to#engage#as#full#contributors#in#the#workplace#and#to#progress#through#the#expected#stages#of#career#development.#uncapping#the#talent#of#these#high-level#professionals#pays#handsome#dividends#in#an#organization’s#success#and#growth.

Teresa McGill is the President of Gandy Associates, a Mississauga-based company specializing in Business English training. For more information, please call (905) 257 3768.

hyBrid COMMuniCatiOn COurses uncap#The#TalenT#of#inTernaTionallY#Trained#professionals#By Teresa McGil

aMBassadOrs COMMittee:Contact sonia Ojha at (905) 273 6151 ext. 31 for more information

GrOwth & POwer COMMittee:Contact Brynna williams at (905) 273 6151 ext. 32 for more information

Chair’s Gala COMMittee:Contact Brynna williams at (905) 273 6151 ext. 32 for more information

FinanCe COMMittee: Contact Monika rumin at (905) 273 6151 ext. 25 for more information

GOlF ClassiC COMMittee: Contact Brynna williams at (905) 273 6151 ext. 32 for more information

POliCy & GOVernMent aFFairs COMMittee:Contact sheldon leiba at (905) 273 6151 ext. 27 for more information

Green COMMittee: Contact anna adams at (905) 273 6151 ext. 36 for more information

Business deVelOPMent COMMittee:Contact david wojcik at (905) 273 6151 ext. 22 for more information

Business learninG COMMittee:Contact Brynna williams at (905) 273 6151 ext. 32 for more information

MentOrshiP COMMittee:Contact sonia Ojha at (905) 273 6151 ext. 31 for more information

huMan resOurCes COMMittee: Contact hiliary Jewer at (905) 273 6151 ext. 26 for more information

awards OF eXCellenCe COMMittee:Contact Brynna williams at (905) 273 6151 ext. 32 for more information

want tO Get inVOlVed? MBOt needs yOu!Mississauga Board of Trade is always looking for members to join our committees!

For general information on committees, please contact the MBOt office at (905) 273 6151

1. ##Quality# counts.# instead# of# buying##several# trendy# outfits,# invest# in# good#quality# jackets# or# suits.# update# your#accessories# and# tops/shirts,# that# way#your# investment# pieces# will# cost# less#per#wear.

2.###Wear#simple,#clean#tailored#lines#with#a#fashion#twist#if#you#like#some#edge.#The#fit#is#important#-#not#too#tight,#not#too#loose#-#a#fit#that#skims#the#body.#show#some#cuff#-#it#is#a#mark#of#a#well-dressed#man#or#woman.

3.###dark,# basic# colours# in# the# blue,# black,# grey# or# brown# family#always# create# a# polished# business# look.# if# you# enjoy# colour,#wear#it#to#complement#the#darks,#but#wear#the#right#colours#for#your#skin#tone.

4.###flat-front,# trim# pants.# Make# sure# they# break# at# the# ankle# and#are# relatively# straight# cut# leg;# women# can# go# narrow,# straight#or#boot#cut.

8 tiPs FOr CreatinG a POlished Business iMaGe

A new hybrid of training is emerging to meet the needs of a dynamic, culturally diverse work environment populated by highly educated ITPs.

5.###a#tie,#tie#bar,#cuff#links,#watch#for#men#and#a#necklace,#scarf#and#or#earrings#for#women#can#be#the#accessory#that#creates#the#‘wow’#factor#or#destroys#the# look.#Make#sure#the#colours#complement#the#suiting#fabric.#

6.###When#wearing#business#casual#clothing,#remember#the#business#component#and#incorporate#a#jacket#to#your#look.#a#navy#or#black#jacket#(blazer)#worn#with#dark#jeans#is#great#casual#friday#wear.

7 ###dress# for# your# clients.# remember# that# you# represent# your#company.#You#are#not#dressing#for#yourself#but#rather#to#inspire#confidence#in#your#clients#and#your#company.

8.###a#well-put-together#outfit#delivers#the#subtle#message#that#you#pay#attention#to#detail#and#that#you#are#successful.# it#suggests#that#if#you#put#that#much#effort#into#your#image,#you#are#probably#equally#as#diligent#with#your#work.

This article was written by Gail Friedlander, President of Images That Suit Ltd. For more information about services, please contact (416) 209 4050 or visit www.imagesthatsuit.com.

.

www.pampena-coaching4change.ca

Joe Pampena [email protected]

Business Coaching for PerformanceLeadership Development CoachingExecutive CoachingTransitional Coaching


in# these# uncertain# economic#times,# donations# to# charities#are#often# the#first# to#drop#off#

the#‘to#do’#list.#after#all,#how#can#your#company#be#expected#to#give#to# the# community# when# money#is# tight# and# business# is# slow#to#recover?

Well,#if#things#are#tough#for#your#business,#just# imagine# for# a# moment# how# difficult#

things#must#be#for#our#less#fortunate#neighbours.#if#you#are#having#a#tough#time#making#it,# it#must#be#very#difficult,# if#not# impossible,# for#those#who#are#hungry#and#poor#in#our#community#to#make#ends#meet.#parents#on#a#low#income#sometimes#have#to#make#the#horrible#choice#between#rent#and#food#for#their#children.#

The# need# for# a# food# bank# goes# up# during# difficult# economic# times# so#supporting#the#food#bank#during#those#times#becomes#even#more#important.#not#only#are#donations#needed,#but# they#are#a#good# investment# in#your#

since# 2006,# Qr# codes# have# been# embedded#in# oil# paintings,# photographs,# artwork# and#many#other# surfaces.#When#you#scan# the#Qr#

code,#it#will#take#you#directly#to#a#music#download,#video#trailer,#or#a#website#with#details#of#that#artist,#promotion#or#product.

The# Qr# code# has# been# seen# on# billboards,# public# transportation,# on#buildings# and# at# major# events.# advertisements# with# a# Qr# code# are#part#of#a#promotional#or#event#campaign#programmed#to#address#the#objective#of#the#event#–#direct#traffic#to#a#website,#to#enter#a#contest#or#access#a#coupon#or#even#download#information#about#a#product.

The#adoption#of#Qr#codes#in#north#america#has#been#slow#to#take#off,#however#the#technology#is#gaining#some#traction#in#the#smart#phone#market.# Many# android# phones# come# with# Qr# code# readers# already#installed.# blackberry# phones# running# blackberry# Messenger# 5.0#(or#more#recent#versions)#can#also#scan#Qr#codes#using#the#"scan#a#group#barcode"#option#in#the#bbM#menu.

here# are# The# sTeps# To# creaTing,#using#and#benefiTing#bY#Qr#codes:1##generate#a#Qr#code.

2##put#it#somewhere#–#on#a#billboard,#newspaper,#in#a#magazine,#on# your# website,# on# digital# displays,# t-shirts,# packaging,#retail# windows,# business# cards;# anywhere# you# want# to#interact#with#your#audience.

3##users#scan#the#Qr#code#and#see#what#information#is#waiting#for#them#–#from#visiting#a#website,#viewing#a#movie/video#preview#to#entering#a#contest.

4##once#the#Qr#code# is#scanned,# tracking#results#are# instant#and# include# location,# region,# phone# type,# network# type,#number#of#shared#scans#and#much#more,#if#you#add#a#mobile#site#as#an#intercept#page.

generating# Qr# codes# is# slowly# moving# into# the# mainstream# in#america#as#well.#There#are#numerous#internet#platforms#which#allow#users# to# create# and# manage# Qr# codes.# Many# generating# platforms#will#also#allow#users#to#view#analytics#on#how#and#when#the#code#is#being#scanned.#The#real#strength#and#power#of#Qr#codes#is#the#metrics#and#analytics#available.

look#for#parT#3#of#This#series#in#The#nexT#issue#Where#We’ll#Talk#abouT#Qr#codes#and#The#real#poWer#behind#TheM.

This article was written by Adolfo Proietti, Managing Director, AvMore. For more information on services, please contact Adolfo at [email protected] or visit www.avmore.com.

why a dOnatiOn tO a FOOd Bank Makes GOOd Business sense

“ qr COdes. it’s all aBOut the traCkinG” Second Edition

business#from#the#inside#out#and#here’s#why:#employees#are#proud#to#work#for# a# caring# company# that# gives# back# to# the# community# and# supports#organizations# that# they# support.# corporate# donations# help# to# increase#staff#morale,#especially#those#that#engage#the#employees#in#a#fundraising#challenge# or# an# activity# benefiting# the# food# bank.# potential# clients# are#attracted# to# companies# that# support# the# community.# a# proven# track#record#of#corporate#social#responsibility#may#very#well#be#the#edge#on#your#competition#that#gets#your#business#recognized#over#others.

The#poor#are#always#the#first#to#feel#the#impact#of#a#bad#economy#and#the#last#to#reap#the#benefits#when#it#has#recovered.#even#as#the#economy#begins#to#improve,#many#families#in#Mississauga#are#still#finding#it#difficult#to#make#ends#meet.#With#your#help,#food#banks#can#provide#emergency#food#relief#for#hundreds#of#families#in#our#community.#Many#families#need#short-term#help#during#a#crisis#for#a#few#months#until#they#can#get#back#on#their#feet#again.#Your#donation#can#make#a#real#difference#at#a#critical#moment#in#the#life#of#a#needy#family.

food#banks#need#financial#donations#to#pay#for#expenses#and#buy#food#that#doesn’t#get#donated.#please#consider#arranging#a#donation# in#support#of#your#local#food#bank#in#2011.#

This article was written by Bill Crawford, Executive Director for Eden Community Food Bank. For more information, call (905) 785 3651 ext. 4 or [email protected].


T#oday,# many# businesses# are# choosing# cloud#computing# over# traditional# solutions# for# their#business#needs.#otherwise# known#as# software#

as# a# service# (saas),# cloud# computing# provides#businesses# with# access# to# services,# applications,#data,#and#storage#over#the#internet#or#"cloud."

cloud-based#accounting#offers#many#benefits#and#can#simplify#the#life#of# a# business# owner# while# enhancing# their# computing# environment.#benefits#such#as:

# always#available#access

# ease#of#setup#and#speedy#deployment

# scalability#to#match#new#business#requirements

# require#minimal#iT#staff,#support#and#maintenance#is#typically#included

# Zero#investment#in#hardware#and#technology

in#most#cloud-based#accounting#solutions,#data#is#typically#stored#in#a#highly#secure,#offsite#facility#with#state#of#the#art#cooling,#fire#suppression#systems# and#power.# The# problems# associated#with# traditional# locally#

stored#applications#and#data#such#as#backup,#maintenance,#scalability#and#security#are#no#longer#present.#With#so#many#benefits,#it’s#easy#to#see#why#businesses#are#moving#to#cloud#computing.

one# of# the# most# popular# accounting# solutions# for# small# to# medium#businesses# is# intuit# Quickbooks# (http://quickbooks.intuit.ca).# intuit#does# not# currently# offer# an# option# for# cloud# computing# in# canada#directly#to#the#customer.#however,#there#are#many#iT#solution#providers#that#are#able#to#provide#Quickbooks#in#the#cloud.#if#Quickbooks#is#not#for#you,#larger#companies#such#as#netsuite#(www.netsuite.com),#sage#software# (www.sagenorthamerica.com),# and# Microsoft# (dynamic’s)#(www.microsoft.com/dynamics)# provide# solutions# that# are# not# only#cloud# based# but# that# integrate# into# many# other# aspects# of# your#business.#going#this#route#would#be#advantageous#but#there#would#be#cost#implications#to#consider.#

Whether#you#are#a#small#business#with#just#a#few#employees#or#much#larger,#there# is#no#doubt#that#a#cloud#based#accounting#solution#can#help#your#business#become#more#efficient,#secure,#reliable#and#scalable.#

This article was written by Claudio Cantafio, Network Systems Engineer, Net2Net IT Solutions Inc. For more information, please contact (416) 800 8917 or [email protected].

aCCOuntinG in the ClOud!

MBOt reFerral CaMPaiGnMboT#Would#like#To#exTend#our#Thanks#To#Those#Who#referred#a#neW#MeMber#To#Mississauga#board#of#Trade#during#our#referral#caMpaign!

MBOT MEMBER REFERRED

bowen#Wellness#clinics #lMd#insuranceentertech#systems

cora #paramount#document#solutions#inc.

ics-inTouch#Mobility #apv#Mobile

ladner’s#clothiers #Michael#verhey#&#associates

Mississauga#Toyota Market#Your#car

nurse#next#door #canadian#cancer#society#–#Mississauga#unit

port#credit#business#association scotia#entertainment

referral#institute#peel-halton #fini#consulting

safe#city#Mississauga brian#Madiganegmond#associates#ltd.

send#out#cards#(pam#ford)

send#out#cards#(john#M.#pagliacci)send#out#cards#(hans#kopp)innovative#hr#partnerssheridan#residences#&#conference#centre

send#out#cards#(john#M.#pagliacci) #greyelf#designs

send#out#cards#(hans#kopp) send#out#cards#(sam#brabender)

solutions#for#h.r.#inc. #ladner's#clothiers

storesupport#canada send#out#cards

The#achievement#centre investors#group#(north#service)


nOVeMBer

5th#business#

a#l#elegance#hardwood#flooring#ltd.

# alcohol#countermeasure#systems#corp.

# avMore

b#ank#of#nova#scotia

# #business#development#bank#of#canada

c#an#amex#Trucking#system#inc.

# #centre#for#health#&#safety#innovation

decor#and#living#inc.

# #dr.#s.g.h.#lalani

eraco#international#Trading#inc.

# excalibur#industrial#sales#inc.

harvest#corporation

#international#centre

# investors#group#Mississauga#central

john#d.#keown#&#associates

# #john#dougherty#life#insurance#services

kaneff#group#of#companies

# katima#inc.

lakewind#Transportation#inc.

# language#Marketplace

Manuflex#Technologies#inc.

# Martin#Merry#&#reid#limited

o#ntario#screen#systems#inc./phantom#screens

organic#products#lanka#inc.

premier#fitness/physiomed

# pre-paid#legal#services#inc.

scambellone#&#associates

# sheridan#institute#of#Technology

# spherion#inc.

# st.#john#ambulance#(Mississauga)

Td#bank#financial#group

# The#c#g#&#b#group#inc.

# The#canadian#payroll#association

# The#co-operators

voloper#creations#inc.

# vpi#inc.

Wedge#paper#products#ltd.

deCeMBer

aaa#drafting#services

# adaMgood#production#house#ltd.

# aMi#logistics

# applewood#glass#&#Mirror#inc.

c.r.#leger#realty#limited

# cibc

# citigroup#fund#services#canada#inc.

# city#of#Mississauga

# community#foundation#of#Mississauga

damel#inc.

# #delta#Meadowvale#resort#&#conference#centre

epcM#services#ltd.

# evansMartin#llp#chartered#accountants

# exfreight#Zeta#inc.

glaxosmithkline

# global#royalties#ltd.

# gW#industrial#supplies

henry#lehner

# hurst#Technology#consulting#inc.

#intex#freight

lancaster#enterprises#unlimited#solutions

# laurie#Williamson#Motors#ltd.

# lsc#fabrication#inc.

Mississauga#cosmetic#surgery#clinic

ontario#lottery#&#gaming#corp.

permul#ltd.

raising#the#standard#consulting#inc.

# roe#logistics#inc.

serviceMaster#contract#services

# shotgun#fund

Technical#edge#inc.

# Tro#Maintenance#solutions

# Turner#&#porter#funeral#directors#ltd.

unifirst#(canada)#ltd.#(dunwin)

Weekly#voice

thank yOu reneWing#MeMbers!

MboT#Thanks#iTs#reneWing#MeMbers#for#conTinuing#To#Work#WiTh#MboT#and#Taking#advanTage#of#The#benefiTs#available#To#Their#businesses

MboT#WelcoMes#iTs#neW#MeMber#organiZaTions,#Who#recogniZe#The#value#aTTached#To#becoMing#parT#of#MboT’s#unified#voice#of#business#for#Mississauga

WelcoMe#new MeMBers!

MBOT members can also be found on www.mbot.com in our online directory, or through our print Membership & Business Directory available at the MBOT office

nOVeMBer 2010ALPHAFORM GROUP6050 Tomken RoadMississauga ON L5T 1X8Monica Czorny I (416) 253 9403Display Designers and Producers

ANIXTER CANADA INC.200 Foster CrescentMississauga ON L5R 3Y5Gary Mistak I (905) 568 8999Telecommunications

APV MOBILE 8-9000 Keele StreetVaughan ON L4K 2N2Tony Vassallo I (905) 417 2994Telecommunications

ARMSTRONG MOVING inC.630 Secretariat CourtMississauga ON L5S 2A5Robin Sutton I (905) 795 6776Moving and Storage

BD BAUSTEIN204-222 Islington AvenueToronto ON M8V 3W7Walter Drexl I (647) 430 5262Graphic Design

BRIAN MADIGAN4005 Promontory DriveMississauga ON L5L 3K6(647) 404 8150Individual

CERIDIAN CANADA LTD.5600 Explorer DriveMississauga ON L4W 4Y2Tony Polera I (905) 361 8458Human Resources Consultants

COLLEGE BOREAL 406-130 Dundas Street EastMississauga ON L5A 3V8Ghislaine Gelican-Atkins (905) 306 1562Education and Training

DNA FREIGHT MANAGEMENT INC.204-211 Watline AvenueMississauga ON L4Z 1P3 Andrew Hunter I (905) 502 1300Freight Forwarding

FINI CONSULTING3166 Lindenlea DriveMississauga ON L5C 2C2Paul Fini I (905) 270 0628Management Consultants

FLIP DOG yOGa202-626 Burnhamthorpe Road WestMississauga ON L5B 2C4Sheena Rufh I (905) 232 2022 Fitness and Recreation

GARY CHILD120 Valleywood DriveMarkham ON L3R 6A7(416) 909 1027Individual

GREYELF DESIGNS63 Washington AvenueOakville ON L6K 1W5Alan Lake I (416) 433 9749Publishers

INVESTORS GROUP100-1275 North Service Road WestOakville ON L6M 3G4Gary Frauts I (905) 847 7776Financial Planning and Services

LADNER'S CLOTHIERS220 Queen Street SouthMississauga ON L5M 1L5Todd Ladner I (905) 826 2344Apparel and Accessories

MICHAEL VERHEY & ASSOCIATES6601 Eastridge RoadMississauga ON L5N 4L8Michael Verhey I (905) 826 8649Business Consultants

MONIKA MORAVANMississauga ONMonika Moravan I (416) 888 4485 Writers

NATURA WELLNESS CLINICC211-3885 Duke of York Blvd. Mississauga ON L5B 0E4 Newsha Kashani I (905) 276 6800Health and Wellness

NET2NET IT SOLUTIONS2275 Upper Middle Road East, Suite #101 Oakville ON L6H 0C3Brian Pavlidis I (416) 800 8917IT Consultants

PRINT 2 GO34 Dundas Street EastMississauga ON L5A 1W2Snehal Shah I (905) 949 5837Printing

PROLEARNING INNOVATIONS2300 Yonge Street, Suite 2800Toronto ON M4P 1E4Wendy Bircher | (416) 485 7498Human Resources Consultants

RED SKY DESIGN8 Sydenham StreetDundas ON L9H 2T4Kathleen Swiderski I (289) 238 8756Marketing

SEND OUT CARDS1401 Forestbrook RoadOakville ON L6M 2G5Pam Ford I (905) 847 2499Marketing

SEND OUT CARDS2087 Pineview DriveOakville ON L6H 5M5John Pagliacci I (416) 705 6046Marketing

SEND OUT CARDS903-1240 Marborough CourtOakville ON L6H 3K7Hans Kopp I (905) 338 5652Marketing

SEND OUT CARDS200-353 Iroquois Shore RoadOakville ON L6H 1M3Sam Brabender I (905) 827 8416Marketing

TAXEVITY79 Prince George DriveToronto ON M9A 1Y7Sharma Promod I (416) 938 3711Insurance

VITAE CONSULTINGP.O. Box 605 STN FToronto ON M4Y 2L8Joanne Bernardo I (647) 964 7198Employment Agencies

WEBLOCAL.CA 100-25 Sheppard Avenue WestToronto ON M2N 6S7Michael McLarnon I (416) 227 8318Information Services and Systems

ZEROWIRE LABS2100 Matheson Blvd. EastMississauga ON L4W 5E1Mahmoud Hashem I (905) 554 1185Laboratory Equipment, Supplies and Services

deCeMBer 2010CANADIAN CANCER SOCIETY, georgeToWn#dufferin#peel#uniT202-2227 South MillwayMississauga ON L5L 3R6Pam Kiez I (905) 608 8411Non-profit Organization

CORA BREAKFAST AND LUNCH9-4559 Hurontario StreetMississauga ON L4Z 3L9Hamza Ahmad I (905) 501 9244Food and Beverage

EDEN COMMUNITY FOOD BANK2-3185 Unity DriveMississauga ON L5L 4L5Bill Crawford | (905) 785 3651Non-profit Organization

EGMOND ASSOCIATES LTD.27 Hall RoadGeorgetown ON L7G 0A4John Van Egmond I (416) 782 7227Engineering Services and Supplies

ENTERTECH SYSTEMS106-1660 North Service Road EastOakville ON L6H 7G3Steve Greb I (905) 582 5110Security

GANDY ASSOCIATES INC. 401-50 Burnhamthorpe Road WestMississauga ON L5B 3C2Teresa McGill I (905) 257 3768Education and Training

GOURMET CUISINEB-7050 Pacific CircleMississauga ON L5T 1V1Josee Sans Cartier I (905) 565 9300 Caterers

HERBAL MAGIC1125 Bloor Street East, Unit 16Mississauga ON L4Y 2N6Gino Guarisco I (905) 279 9006Health and Wellness

HR ON DEMAND10-1169 Dorval DriveOakville ON L6M 4V7Jocelyne Cossar I (905) 582 4397Human Resources Consultants

INGRAM MICRO55 Standish CourtMississauga ON L5R 4A1Mark Snider I (905) 755 5000Electronic Equipment and Supplies

INNOVATIVE HR PARTNERS 1219 Thoresby DriveOakville ON L6J 7K3Michele Sparling I (416) 277 276Human Resources Consultants

JOANNE McCRINDLE102-6 Director CourtVaughan ON L4L 3Z5(416) 414 8423Individual

JTI-MACDONALD CORP.1601-1 Robert Speck ParkwayMississauga ON L4Z 0A2Lisa Hutniak I (905) 804 7300Manufacturing

MARKET YOUR CAR262-3060 Constitution Blvd.Mississauga ON L4Y 3X8Jara Kral I (416) 907 3579Advertising

ONE CAD SOLUTIONS LTD.100-60 Centurian DriveMarkham ON L3R 9R2Paul Sesto I (905) 943 7667Engineering Services and Supplies

PARAMOUNT DOCUMENT SOLUTIONS INC.10 Sinclair CourtBrampton ON L6X 4P5Gerson Vijayan I (905) 796 8907Printing

POLYCULTURAL IMMIGRANT AND COMMUNITY SERVICES2225 Erin Mills Parkway PO Box 210Mississauga ON L5K 1T9Mukhtar Ahmadzai I (905) 823 5461 Employment Agencies

PROACTIVE PRINT MANAGEMENT5579 McAdam RoadMississauga ON L4Z 1N4Lorry Smith I (905) 568 8131Printing

ROBERT FRANCO5055 Plantation PlaceMississauga ON L5M 1M5 (905) 828 1122Individual

SCOTIA ENTERTAINMENT605 Montbeck CrescentMississauga ON L5G 1N9Terry Holdershaw I (647) 968 2729 Entertainment and Leisure

SHERIDAN RESIDENCE & conference#CENTRE1410 Trafalgar RoadOakville ON L6H 6W4David Carroll I (905) 815 4150Hotels, Motels and Resorts

SILMEN FINE CABINETRY2-425 Admiral BoulevardMississauga ON L5T 2N1Joe Da Silva I (905) 795 8333Furniture Dealers

SPARKS AMS MANUFACTURING7449 Canuon StreetMississauga ON L5A 4M2Jaafar Alkhidari I (416) 696 5363Manufacturing

STRAUB TADCO INC.1239 Aerowood Drive, Unit A-BMississauga ON L4W 1B9Peter Vermes I (905) 629 9114Manufacturing

THE CAPRIS GROUP11-215 Traders Boulevard EastMississauga ON L4Z 3K5Joe Damiani I (905) 507 8151Internet - Products and Services

WSI DIGITAL MARKETING101-2275 Upper Middle Road East Oakville ON L6M 0C3Kevin Kemp I (905) 491 6936 Internet - Products and Services


nurse#next#door#owners,#david#and#lucie#shaw,#were#recently#presented#the#2010#franchise#partner#of#the#Year#award.#

The#shaw’s#accepted#the#award#on#behalf#of#their#team,#at#the#nurse#next#door#annual#awards#gala#that#was#held#in#november#2010.

“We are extremely excited to be taking home the top prize,” said Lucie Shaw. “This was a goal of ours when we first started. To have won is a tremendous achievement for us.”nurse#next#door#specializes#in#offering#home#health#care#services#to#the#elderly#population#across#canada#and#the#united#states.

For more information on Nurse Next Door’s services, please call 1 877 588 8609 or visit www.nursenextdoor.com.

nurse neXt dOOr reCeiVes 2010 FranChise OF the year award

avMore launChes diGitalPOP, diGital siGnaGe sOlutiOn


Member Spotlight

iterGy OPens new OFFiCe in MississauGaMboT# Member,# itergy,# a# consulting# firm# that# is# a# Microsoft# gold#certified# partner,# held# the# grand# opening# of# their# new# location# on#Meyerside#dr.,#in#Mississauga#on#Tuesday,#november#16,#2010.#

“The# gTa# region# has# the# highest# concentration# of# head# offices# in#canada.#Many#of#our#clients#have#Toronto-based#offices,#and#this#will#permit# itergy# to# provide# better# service# to# its# existing# clientele# and#reach# out# to# new# customers,”# said# said# ralph# loewen,# president# of#itergy#international.

Itergy specializes in strategic consulting and services of Microsoft technologies to businesses. For more information on their services, please call 1 866 522 5881 or visit www.itergy.com.

“The# launch# of# digitalpop,# our# digital# signage# solution# was# a# great#success!”# says# Managing# director# of# avMore,# adolfo# proietti.#attendance# included#key#players#and#decision-makers#who#came#out#to#support# the# launch#of#digitalpop#and# to# learn#about# the#benefits#of# digital# signage.# The# logo# was# unveiled# using# video# animation# to#launch#the#presentation,#which#also#demonstrated#the#uses,#benefits#and#advantages#of#digital#signage.#

in#his#presentation,##proietti#talked#about#“what#is#digital#signage,#why#you#should#use#it,#how#it#works,#setting#objectives#and#r.o.i.”#attendees#shared#that#the#presentation,#“was#very#thorough#and#informative,”#and#“congratulations#for#a#first#class# launch#of#digital#pop,#you#achieved#your#objectives.”

samsung# and# fusionone# joined#the#launch;#samsung#is#a#leader#in#digital#sign#displays#and#fusionone#is# an# iT# Technology# integrator,#which# serves# the# digital# signage#community.#

digital# signage# is# a# powerful# way#to# enhance# your# corporate# and#communication# objectives.# The#presentation# has# been# captured#as# a# webinar# and# can# be# seen# at#www.digitalpop.ca/event.#

For more information about DigitalPOP visit www.avmore.com or contact Adolfo Proietti at [email protected]. For information about Samsung contact Marco Nalli at [email protected]. For information about Fusionone please contact John Abate at [email protected].

Date post:	21-Feb-2016
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