Securing borders is the prime task of a government to defend itself from intrusions and illegal crossings. Nations are divided by geographical mapping and it is up to the government to determine the level of control for the movement of goods and people. It is also the sovereign right of a nation to defend itself from the onslaught of unwanted flow of goods and people across the border.  However, if bordering or the neighboring countries do well financially, politically and socially, then it is obvious that people from the nations that are not as well off, look forward to move in order to create a better life and future for themselves.

America borders two countries by land- Canada and Mexico. As far as Canada is concerned, it is one of the best managed and prosperous countries in the world. As per the Legatum Prosperity Index 2016, the following variables measure: success in industry, education, health, freedom, opportunity and social capital; Canada is the 5th most prosperous country in the world after New Zealand, Norway, Finland and Switzerland. USA is placed at the 17th position and Mexico is on the 65th position.

According to the Global Peace Index of 2016 which is based on three broad themes: the level of safety and security in society; the extent of domestic or international conflict; and the degree of militarization, Canada is placed on 8th position, after Iceland, Denmark, Austria, New Zealand, Portugal, Czech Republic and Switzerland. USA and Mexico have been placed at the 103rd and 140th positions respectively.

The GDP per capita income recorded in 2015 for USA was US$ 51,486; Canada–US$ 50,000.56 and Mexico-US$ 16,501.94. This shows a threefold difference in GDP per capita income between Canada and Mexico, whereas Canada is almost at par with USA.

Therefore, as far as Canadians are concerned they are very happy and well off in their own country and they will never like to move or migrate to USA unless there is a compulsion due to their job, business or family. Besides that, Canadian health care is well covered under the provincial health insurance plans which provide peace of mind and a worry free life as they age. Whereas it is the dream of Mexicans to immigrate and live in the USA and Canada, and as a result they try all means to make illegal border crossings, besides the menace of illegal drug trafficking running into billions of dollars.

When Hon. President-Elect Donald J. Trump called for building a wall on the US-Mexico border then a lot of hue and cry was made by the left wing media and the politicians. But his approach of building a wall to fix the porous border is more pragmatic and thoughtful. Everybody started talking about the cost of building a wall and its impact on the US economy. Therefore it is pertinent to look into the cost of building walls on the US Mexican border and how to make it cost free to the US Government.

Mr. President-Elect announced during his visit to Mexico that Mexico will pay for building the wall and if that happens, it may become a sore point between the two countries and the relationship will go from bad to worse. Before I suggest how USA can make the most expensive wall in the history of mankind without spending a single penny, we will have to look into the areas of the border which is porous and what would be the cost to fix it by building high rise walls.

A gap in the U.S.-Mexico border fence is seen outside Jacumba, California, United States, October 7, 2016. REUTERS/Mike Blake

A gap in the U.S.-Mexico border fence is seen outside Jacumba, California, United States, October 7, 2016. REUTERS/Mike Blake

US Mexico Border:

The total length of US-Mexico border is about 1,989 miles or 3,201 kilometers and out of that only 700 miles or 1,100 kms are under effective control due to the high security fencing made under the Secure Fencing Act of 2006.



A U.S. Border Patrol agent looks into Mexico from the U.S.-Mexico border near Sonoita, Arizona, on Feb. 26, 2013.Source: John Moore / Getty Images, file –NBC

According to a report published by the Global;  “DHS’s US Customs and Border Protection (CBP) contractor, the US Army Corps of Engineers (USACE), had completed about 93 miles of primary SBI fencing costing approximately $198 million as of September 30, 2007, and about 215 miles of fencing costing about $265 million as of October 31,2008. Seventy-one of the miles completed as of September 30 2007, were pedestrian fencing completed at costs ranging from $400,000 to $4.8 million per mile and averaging $2.9 million per mile.”

Therefore, there have been constant efforts to fence the border to check illegal crossings of border but it is still insufficient and a lot of fencing is required to secure the US-Mexico Border.


The cost of building a wall depends upon the topography of the land and from where it is passing through. As such, there have been different estimates for its cost of construction. As per the Global, “if a 2,000 mile state-of-the-art border fence is constructed then it may cost between four to eight billion dollars”. According to  another report published in by Cristina Silva, “the cost of building a wall could be as high as $16 million per mile, with a total price tag of $15 billion to $25 billion”


Countries like Canada and Australia have open immigration policy and whosoever wants to come legally into these countries, first they have to qualify for the immigration and for that they have to pay application fee, landing fee, lawyers fee (if they hire a lawyer or a consultant) and then they have to bring subsistence money with them for their survival during the initial period of their settlement.


By law, Canada requires that anybody who is immigrating to Canada as a permanent resident have to bring or show proof of funds that they would be bringing to Canada. The amount varies for a single person from CA$12,164 to a family of four CA$22,603. Furthermore, they have to spend anywhere between CA$3,000 to CA$5,000 as application fee, landing fee, lawyers fee and citizenship fee. Therefore, it costs anywhere from CA$15,000 to CA$27,000 to immigrate to Canada.


The visa charges for immigrating to Australia varies anywhere between AU$7,000 to AU$12,000 for a family unit, and after adding the total budget for initial settlement it comes to AU$12,000 to AU$18,000 for a single migrant to AU$30,000 to AU$40,000 for a family of four.

Therefore, immigration is not free for living in a developed and civilized country. We all have paid a fair share of our contribution in migrating to Canada and Australia and anybody who wants to migrate to USA must pay the cost of immigration.


It is estimated that about 12 to 13 million Mexican people are living in USA illegally and out of them about a million have the criminal background. Therefore, the United States government can filter the criminal elements and deport them out of the USA, and charge a fee to legalize the law abiding Mexican people who are working hard to make their living and contributing to the US economy.

If the legalization fee for a single person would be US$ 20,000 and for a family may be US$30,000, then on an average the government of United States can easily raise the following money for building a secured fence throughout the Mexican border with additional surveillance by drone and satellites without putting a strain on the government exchequer:

US 25,000 per person as Legalization Fee X 12 million people = US$30 billion

I am sure every Mexican living in United States would be more than happy to pay the above amount in becoming a proud resident and citizen of the United States of America. I believe, every law abiding person living anywhere in the world, should be given a second chance and this step would certainly foster a sense of safety, security and universal brotherhood among the Mexicans living in the United States of America.

I hope, this article is going to provide an idea to the Trump government to legalize law abiding illegal immigrants living and working in America while raising funds from them and securing the southern border at their cost.

Suman Saran Sinha, Strategic Management Consultant, Canada.

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I am appalled to watch the news on Fox, CNN and other channels that Russians have hacked their system and manipulated the election, and that Russians are solely responsible for their woes. By repeatedly blaming the Russians day and night for hacking the DNC and the American Presidential Election system, the media, politicians and the diplomats have shown their weaknesses and vulnerability of a great nation, the United States of America. It casts a shadow on the efficiency and efficacy of its homeland security , security advisers and national security agencies.

When I look around, then I feel that majority of the world’s population is going through suffering mainly because of the weak governance and corrupt leaderships. There is a dearth of rule of law and political will, and they are indulged in all types of corruption including financial, cultural, moral, ethical and social. As a result, they are weak politically and financially and their people are going through sufferings. In order to hide their weaknesses and corrupt morality, they blame superpowers for all their problems and their plight. We can understand their blame games, but it is hard to digest that how a great nation like America, that has the best governance, advanced technologies and superior brains behind its national security, can blame other nations for their woes in home.

This demonstrates the vulnerability of America. I believe, people on key positions who are responsible for protecting America from all types of threats including cyber threats should be taken to task, if their is an iota of truthfulness as propagated by the media. Either it is the inefficiency of the security agency or the media has an agenda to defame America and its great institutions by creating false news. The US media and politicians should be ashamed in blaming the Russians or any hackers for their own inefficiency and shortcomings in protecting America from the irreparable damages.

Therefore, now the time has come to clean the system from such people and bring in people on key positions that are capable of seeing far and beyond in making a formidable defense system in protecting America from cyber and other unknown threats.

I hope the President-elect Donald J. Trump will bring the glory to America so that no nation on Earth can dare to implement their sinister design to damage or undermine its democracy and great institutions.

Suman Saran Sinha

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At the outset, I congratulate you Mr. President Elect Donald J. Trump for poising to take the mantle of the great nation America. I am very hopeful and confident that America will flourish and prosper again and achieve new heights under your leadership.

Being a neighbor and closest ally of US, a prosperous America serves the best interest of Canada and all of us. You already are a successful businessman and going to have the best and brilliant brains in your cabinet. Still being a strategic management consultant and a member of CMC Canada, I wish to add my 2 cents in rebuilding America which I love for its magnanimity and opportunities it offers to the world.

The concept of open trade policy and free trade has been misused and misconstrued by ignorant politicians and bureaucrats around the world which has benefited the nations that manufacture cheap goods, particularly China. China has been able to keep the manufacturing prices low due to their control on raw materials, manipulation of local laws, their currency and cheap laborers who were forced to work under undue pressure and are paid the lowest wages in the world. In the process, local small scale and medium sized businesses around the world including America, which offers employment opportunities to hundreds of thousands of people, have gone to China.  Essentially, we have made China a Financial Superpower at the cost of millions of people and their jobs.

Therefore, it is pertinent to give an impetus to the small and medium sized businesses and encourage local entrepreneurship, investors, and business managers to kick start the manufacturing processes in every state with a time bound target.

I have tried hereunder to outline a few suggestions to make America the manufacturing hub of household goods once again. For long, the American products have been the hallmark of quality goods in the world and now the time has come once again under your leadership to lead the nation to the path of prosperity.

1. A list of products that are meant for homes or small industries made of plastic, paper, wood, ceramic, glass, rubber, stones, metal or other materials could be reserved for manufacturing only in small and medium sized businesses in America.

2. A duty of 15 to 30% could be levied on import of such reserved items and the same percentage should be passed on to small and medium sized businesses in America as incentives to encourage local entrepreneurship programs.

3. Business Start-up programs and re-starting of closed manufacturing plants could be activated to the fullest.

4. Easy and automatic approval of Bank Loans could be put in place for such start-up programs. A Tax Holiday may be given for a specific period of time on such loans.

5. Business Tax Exemptions on such start-ups could be provided for a defined period of time.

6. An Entrepreneurial Training program could be initiated to encourage and train new comers, especially women entrepreneurs, Native Americans, etc.

Being a strategic management consultant and having the background of science, law and project management, I can voluntarily prepare a blueprint of the program for its successful implementation within a specified period of time with specific targets and milestones.

If given the chance, then I hope to become a part of rebuilding America a great nation again under your leadership.

Best regards and wish you a successful leadership ahead.

Suman Saran Sinha
Certified Management Consultant
Toronto, Canada

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In this materialistic world where people are more concerned about themselves, their profits and losses, success and complacency, happiness and contentment and amassing wealth and worldly pleasures by all means – it is a paradox to discuss trust or trusting someone on an individual level. The word ‘trust’ creates a bond and plants a firm belief in the reliability of an individual to have the ability or strength to execute or perform a task with righteousness. trust

If a person trusts someone then he or she surrenders the ability of finding faults, otherwise it will not be possible to trust at all. Therefore, trust or trusting is a process of benevolence where a trustier reposes firm faith and confidence in a trustee.

However, trust is also the main element in the functioning of the modern world. Without trusting people or the system, life will become miserable. For example, we elect public representatives with trust in them to govern ourselves. We deposit our life’s savings in a bank with the trust that we will get it back in times of need. The multibillion dollar insurance industry functions on the principles of trust, where we pay monthly premiums to get financial support for ourselves or our family in case of emergencies. We go to doctors in case of sickness with the feeling of trust in their abilities to treat or cure us. Hand-ShakeWe hire lawyers with trust and confidence in them for the redressing of our grievances. Likewise, we travel by airplane with trust in the airlines industry to fly us safely to our destination or we go to restaurants with trust to get a wholesome and safe meal and. Therefore, trust is the shaft of a wheel on which our belief system revolves.

In order to become successful in business, it is important to be fair and honest for building trust and confidence in our clients, partners, customers or suppliers. Large chains of food stores like McDonalds, Burger King, Tim Hortons, Starbucks, Pizza Hut etc have been successful in building multibillion dollars business by way of creating trust and confidence in their JV partners and franchisee, suppliers and retail clients in terms of quality, service and commitments. Walmart and Amazon have become the largest chain of superstores and online sellers in the world, because of the trust of their clients in their products and services. Likewise, examples of success stories are a-plenty where a business organization has been able to generate trust in people’s minds with their positive attitude and conviction.

The Nature of TrustThis trust can be built by any small or medium sized business by laying down the rules of fair play. In the case of JV partners, this confidence can be put together by sticking to commitments with their suppliers and providing exceptional customer service to their buyers. 7-Cs-of-TrustThe magic of trust is so powerful that if a sick or loss making business is able to generate trust in their creditors and stakeholders about their resolve to become profitable, then they will not only survive but they can also create a solid foundation for growth of their business. General Motors, Chrysler and other car manufacturing companies are the best example of re-building trust and confidence in their stakeholders mind. They not only survived the worst recession of 2008 but they also bounced right back.

The success of a business also depends upon trusting the ability of a business owner to take care of their employees. EmployeesIt also depends upon how an employee trusts his employer in being paid by them according to their knowledge and capacity. The situation of mistrust can be overcome only by way of sharing and caring and building bonds between them. No business owners will ever be able to manage their business with peace of mind, generate profit or grow their business if their employees are not happy or do not trust their owners in making commitments. Non-trusting environment degenerates the morale of employees and reduces the overall output of the business. It is a corrosive factor which ultimately annihilates the business or its profitability.

Therefore, trust is the foundation stone of building relationships, growth and profitability in every aspect of our lives including business.

Suman Saran Sinha, CMC


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CANADIAN FEDERAL BUDGET 2015 HIGHLIGHTS – Walking the Walk or Enriching the Rich?


Last week, on April 21st, the Conservative Government presented its much awaited federal budget for the year 2015-2016. Finance Minister Joe Oliver has tried to carve out a budget for the electioneering year and make it more suitable to the rich and upper middle class people. In the budget they have given examples such as, Henry & Cathy have two school-going kids who make $120,000 together ($84,000 + $36,000) whereas, the median employment income for 2-earner families with 2 kids is closer to $99,000 and minimum wage for one person is $22,880 per annum. In another classic example, the budget takes care of someone like Elizabeth who is a busy professional and single mother of two young kids making $45,000 a year which is about $15,000 higher than the median employment earnings of female single parents with 2 kids.


Therefore, the federal budget is purely an instrument to lure middle and high income families while ignoring the people falling under the low income group i.e., the homeless, the disabled etc. The pre-election budget has nothing relevant to the everyday, hard working Canadian who isn`t as well off as Henry, Cathy and Elizabeth. They have made a laser focus on who they are targeting for votes when Canadians begin casting ballots at the opening of polls this October 2015.

1.7-eng                                  Total Government Net Debt-to-GDP Ratios, 2015

On the positive side, the Government reduced Canada`s debt by more than $37 billion since the recession of 2008 and the federal debt-to-GDP ratio to 28.2 per cent. As a result, Canada has emerged from the recession faster than virtually any other major advanced economy. Canada`s total government net debt-to-GDP ratio remains the lowest of any G-7 country and among the lowest of the advanced G-20 countries.

                                                  1.1-eng                                                   Budgetary Balance after Measures

The conservatives have tried to keep their promise to balance the books, offering an array of boutique tax cuts and have kept corporate taxes low by providing a razor thin surplus of $1.4 billion by downsizing the $3 billion contingency fund, $900 million by cutting sick leave benefits from federal public, and $2.1 billion by selling their shares in GM to show a small surplus. Hence, it is pertinent to analyze the pros and cons of the federal budget in its totality.


Announced in the fall of last year, it allows couples to shift up to $50,000 in income from a high earner to their lower-earning spouse.

Pros: The measure will benefit 2 million households or 15% of Canadian Households having excess income to be paired with the low income spouse to reduce the individual tax bills by $2,000. 

For example, if one person earned $100,000 and the spouse did not earn an income at all, then the couple transfers up to $50,000 to the lower income earner partner. At this point they would both be taxed at $50,000.

Cons: A large number of Canadian households about 85% having low income will contribute towards lowering of the tax bills of rich people (15%). It is going to cost $2.2 billion annually to federal exchequer. Another criticism of the FTC is that it will lead to a small drain in the workforce, because it provides incentive for some lower-income earners to stop working while the other partner makes large income.


Tax rates for small businesses to be reduced by 9% from 11% by the year 2019.    

Cons:This will cost $2.7 billion over the next four years and over $1.2 billion annually when fully-phased in. However, this doesn’t just benefit small businesses but also mid to large corporations up to the size of $10 million.


Annual contribution ceiling on Tax-free Savings Accounts rose from $5,500 to $10,000.

Pros: The TFSAs will be helpful to small savers who have surplus income of $10,000 and above or seniors with low expenses, late-career workers and higher income households. 

Cons: Budget has failed to recognize how ordinary Canadians will make use of this saving when 60% of them (out of 11 million accounts opened since the TFSA was introduced in 2008), have an annual income of less than $40,000. Many Canadians do not come close to maxing out TFSA`s under the current cap of $5,500 – expanding it won`t mean much for the majority of households. This is clearly a multi-billion dollar tax break for the wealthiest Canadians, together with regressive “income splitting measures” that were previously announced. According to the government`s, watchdog, the Parliamentary Budget Officer, this move benefits 15% of Canadian households and is virtually of no benefit to lower income households. In total, these regressive tax breaks will cost the federal government about $13.8 billion over six years.


Under the current rules, retirees must withdraw just under 7.5 per cent (7.38%) of their Registered Retirement Income (RRF`s) savings in the first year of retirement, a percentage that increases with each year that passes. The new rules will slow the withdrawal to start at just 5.28% instead.

Pros: The federal budget proposes to substantially lower that mandatory withdrawal amount, a move that will lower the tax paid on that income (which can be augmenting with withdrawals from an enlarged Tax Free Savings Account nest egg).This will help seniors to opt for the RRIF instead of buying an annuity as seniors with small RRIFs can hang on to their savings for longer period of time. This will also help those who never had high incomes in their working life and accumulated smaller retirement savings.

Cons: It will make an impact on their current financial planning and provide less cash in the hands of seniors and will cost the government $135 million.


As announced last fall, the new budget incorporates enhancement to the Universal Child Care Benefit (UCCB) and Child Care Expense Deduction (CCED

Pros: The UCCB is being increased to $160 a month for all children under 6, and $60 month for children between 6 and 17. The CCED is also being increased by $1,000.

Cons: The benefit does not differentiate between high or low income households having children of age groups 6 and 17. Therefore, the rich and affluent also get the advantage of the benefits and claims. Singles or people without children will not be benefitted. The UCCB is going to cost $4.4 billion and to double the Child Fitness Tax credit will cost $35 million to the tax payers.


The budget increased eligibility for the income-tested Canada Student Grants by making shorter term education programs eligible alongside longer degree programs.

The budget has also lowered the threshold on what parents are expected to contribute to their child`s education and raise the threshold on what student borrowers can earn while in school. 

Pros: This is good news for students interested in practical skills training programs or fast track learning. Both of the above measures will mean larger Canada Student Loan amounts will be awarded to borrowers.

Cons: For kids in lower income families who are already debt-averse, it is unlikely that this change will do much to encourage them to think about higher education but middle and upper-middle class parents might feel some relief. Students will likely accumulate large debt upon completing their studies.


Budget provides a few measures that will have an impact on the affordability of housing in Canada. There is a provision of $2.3 billion per year over the next 4 years for affordable housing. The new credit will let an eligible tax payer claim a 15% non-refundable credit spending to make their home safer and more accessible, up to a limit of $1,500 off their federal taxes.

Pros: This credit may be attractive to senior home owners who need to make changes to their homes.

Cons: Seniors living or persons with disabilities living in rental housing or eligible home owners who do not have the cash flow to meet the renovation cost will not be eligible to take advantage of this measure.


Pros: The budget provides a new $10 million 5 year national Financial Literacy Partnership fund to provide grants to eligible community organizations working to boost the financial literacy of Canadians. 

Cons: Details on who decided and who controls the fund are yet to be determined.

Suman Saran Sinha, CMC

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Indo-Canada Trade Agreement – Achieving New Heights

Recently, Prime Minister Stephen Harper lauded the highly productive visit to Canada by Narendra Modi, Prime Minister of India, who signed a number of bilateral agreements and addressed Indian Diasporas in Ottawa, Toronto, and Vancouver. It was the first visit by an Indian Prime Minster in 42 years. Late Indira Gandhi visited Canada in 1973 when Pierre Trudeau was Prime Minister.

Stephen Harper rolled out the red carpet to receive the charismatic leader of India, Narendra Modi, who swept to power as 15th Prime Minister of India on May 26th, 2014. India with 1.25 billion people is the largest successful and vibrant democracy in the world. Harper also accompanied Modi to Toronto and Vancouver.


While addressing an 8,000 strong audience of Indo-Canadians at Rioch Coliseum in Toronto, Stephen Harper said, “The relationship between Canada and India is important because of trade and investment but it is strong because of the people and families living in Canada…Canada is home of one of the largest and most successful Indian Diaspora anywhere on the face of the earth”.

Earlier, both prime ministers met in Ottawa and held detailed discussions to assess the full spectrum of bilateral relations and exchanged perspectives on a range of regional and international issues of mutual interest. They noted the historic significance of PM Narendra Modi’s visit to Canada in advancing bilateral ties to a new level with new vigour. The two leaders welcomed the continuing diversification, growth, and deepening of their relations in recent years, rooted in shared values of democracy, pluralism, tolerance, human rights, and rule of law. They agreed to take concrete measures to expand bilateral cooperation in key areas including the economy, trade and investment, civil nuclear cooperation, energy, education and skills development, agriculture, defence and security, science, technology, innovation and space, culture, people to people ties, and regional and global issues.

The bilateral trade between the two countries in 2014 stood at $7.8 billion. The stock of two-way foreign direct investment (FDI) between Canada and India totalled about $4.4 billion in 2013.

During the visit of Prime Minister Narendra Modi, the following commercial agreements and announcements were made which were valued at over $1.6 billion.

  1. Supply of Uranium for Atomic Energy Plants: Saskatchewan based company called Cameco signed an agreement with India’s Department of Atomic Energy to supply over seven million pounds of uranium to India over the next five years valued at over $350 million.
  2. Solar Energy: Ontario based Canadian Solar announced to invest for the manufacturing of solar cells and modules in India with an investment of $70 million.
  3. Electronics: Quebec based CMC Electronics Inc. Has agreed to supply integrated cockpit display systems to Hindustan Aeronautics Limited for their domestically produced Hindustan Turbo Trainer (HTT-40) aircraft for the total value of $20 million.
  4. Hospitality Industry: Darram Inc. Quebec is going to partner with the Taj Group of Hotels to open eco-friendly five-star spa with an investment of $30 million.
  5. Tata Consultancy Services announced to set up an innovation lab in Toronto at an investment of $100 million.
  6. The Times of India Group has signed an agreement to invest $29 million in SKILLs dox, Ontario for online education opportunities across India.
  7. Ontario based Clearford Industries has an MOU with Infrastructure Leasing and Financial Services (ILFS) for sewage and water treatment projects in India.
  8. Canada Pension Plan Investment Board (CPPIB) announced to open a Mumbai office i n October 2015. This will help them in investing and managing its $238 billion investment assets for the Canada Pension Plan on behalf of 18 million Canadians.
  9. Caisse de depot et placement du Quebec (CDPQ) announced to open a Mumbai office in 2016 as part of its push to expand its presence in selected markets and invest strategically, in line with the core trends driving the world economy.
  10. Azzimov Corporation of Quebec, an alumnus of the Government of Canada’s Trade Commissioner Service’s Canadian Technology Accelerators initiative, signed joint venture partnership with 04 Digital Media to offer India’s first and largest online video shopping platform for a total value of $50 million.
  11. AMP Solar Group Inc., Ontario signed a MOU with SUN Group of India to jointly develop, own, and operate over 500 MW of solar assets in India over the next three years with an investment of over $1 billion.
  12. Air Canada announced that it will reinstate its direct Toronto-Delhi flight on Boeing 787 Aircraft commencing November 2015, making it easier and faster for visitors and business people to travel back and forth between Canada and India.

 We hope that the city of Mississauga takes this opportunity to develop direct relationships with the fastest developing economies of the world like India, to boost local trade and technological companies engaged in innovative products and services.

Note: This article was published in the MiNews, Mississauga, Ontario, Canada  in April 2015.

Suman Saran Sinha, CMC

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2014 in review

The stats helper monkeys prepared a 2014 annual report for this blog.

Here’s an excerpt:

A San Francisco cable car holds 60 people. This blog was viewed about 1,600 times in 2014. If it were a cable car, it would take about 27 trips to carry that many people.

Click here to see the complete report.

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