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		<title>BIZBITES - small business tips&amp; tricks</title>
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		<itunes:subtitle>business news and resources for SME(s), Startups and Entrepreneurs</itunes:subtitle>
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		<itunes:summary>the official business podcast Channel of BizReflections.ca</itunes:summary>
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<item>
	<title>3 Easy Steps in Budgeting</title>
	<link>https://www.bizreflections.ca/podcast/3-easy-steps-to-budgeting/</link>
	<pubDate>Tue, 13 May 2025 21:14:32 +0000</pubDate>
	<dc:creator><![CDATA[BizReflections]]></dc:creator>
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	<description><![CDATA[Budgeting is a crucial aspect of business planning, whether the business is a start-up or an established operation.]]></description>
	<itunes:subtitle><![CDATA[Budgeting is a crucial aspect of business planning, whether the business is a start-up or an established operation.]]></itunes:subtitle>
	<content:encoded><![CDATA[Budgeting is a crucial aspect of business planning, whether the business is a start-up or an established operation.]]></content:encoded>
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	<itunes:summary><![CDATA[Budgeting is a crucial aspect of business planning, whether the business is a start-up or an established operation.]]></itunes:summary>
	<itunes:image href="https://i0.wp.com/www.bizreflections.ca/wp-content/uploads/2025/05/pexels-pixabay-53621.jpg?fit=%2C&#038;ssl=1"></itunes:image>
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		<title>3 Easy Steps in Budgeting</title>
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	<itunes:duration>2:54</itunes:duration>
	<itunes:author><![CDATA[BizReflections]]></itunes:author>	<googleplay:description><![CDATA[Budgeting is a crucial aspect of business planning, whether the business is a start-up or an established operation.]]></googleplay:description>
	<googleplay:image href="https://i0.wp.com/www.bizreflections.ca/wp-content/uploads/2025/05/pexels-pixabay-53621.jpg?fit=%2C&#038;ssl=1"></googleplay:image>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
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<item>
	<title>The Purposes of a Mortgage</title>
	<link>https://www.bizreflections.ca/podcast/the-purposes-of-a-mortgage/</link>
	<pubDate>Sat, 25 Mar 2023 18:22:35 +0000</pubDate>
	<dc:creator><![CDATA[BizReflections]]></dc:creator>
	<guid isPermaLink="false">https://www.bizreflections.ca/podcast/the-purposes-of-a-mortgage/</guid>
	<description><![CDATA[Many people believe that a mortgage is exclusively used for buying a home. However, you need to remember that there are four typical purposes that mortgages are used for. This includes purchase, refinance, equity takeout and bridge financing.   By Baqar Bhatti LLB, CPA, CMA, CGMA &#124; CEO &#038; Owner of Panacea at Zenith &#124; [&#8230;]]]></description>
	<itunes:subtitle><![CDATA[Many people believe that a mortgage is exclusively used for buying a home. However, you need to remember that there are four typical purposes that mortgages are used for. This includes purchase, refinance, equity takeout and bridge financing.   By Baqar ]]></itunes:subtitle>
	<content:encoded><![CDATA[Many people believe that a mortgage is exclusively used for buying a home. However, you need to remember that there are four typical purposes that mortgages are used for. This includes purchase, refinance, equity takeout and bridge financing.   By Baqar Bhatti LLB, CPA, CMA, CGMA &#124; CEO &#038; Owner of Panacea at Zenith &#124; [&#8230;]]]></content:encoded>
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	<itunes:summary><![CDATA[Many people believe that a mortgage is exclusively used for buying a home. However, you need to remember that there are four typical purposes that mortgages are used for. This includes purchase, refinance, equity takeout and bridge financing.   By Baqar Bhatti LLB, CPA, CMA, CGMA &#124; CEO &#038; Owner of Panacea at Zenith &#124; [&#8230;]]]></itunes:summary>
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		<title>The Purposes of a Mortgage</title>
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	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BizReflections]]></itunes:author>	<googleplay:description><![CDATA[Many people believe that a mortgage is exclusively used for buying a home. However, you need to remember that there are four typical purposes that mortgages are used for. This includes purchase, refinance, equity takeout and bridge financing.   By Baqar Bhatti LLB, CPA, CMA, CGMA &#124; CEO &#038; Owner of Panacea at Zenith &#124; [&#8230;]]]></googleplay:description>
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	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
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<item>
	<title>CRA Inquiry Process</title>
	<link>https://www.bizreflections.ca/podcast/cra-inquiry-process/</link>
	<pubDate>Wed, 12 Oct 2022 15:39:19 +0000</pubDate>
	<dc:creator><![CDATA[BizReflections]]></dc:creator>
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	<description><![CDATA[This podcast briefly explains the steps that may be taken by a tax filer and his or her authorized representative to reply to a CRA inquiry letter to make sure that the reply looks professional, and it is supported by the relevant evidence.   By Baqar Bhatti LLB, CPA, CMA, CGMA &#124; CEO &#038; Owner [&#8230;]]]></description>
	<itunes:subtitle><![CDATA[This podcast briefly explains the steps that may be taken by a tax filer and his or her authorized representative to reply to a CRA inquiry letter to make sure that the reply looks professional, and it is supported by the relevant evidence.   By Baqar Bh]]></itunes:subtitle>
	<content:encoded><![CDATA[This podcast briefly explains the steps that may be taken by a tax filer and his or her authorized representative to reply to a CRA inquiry letter to make sure that the reply looks professional, and it is supported by the relevant evidence.   By Baqar Bhatti LLB, CPA, CMA, CGMA &#124; CEO &#038; Owner [&#8230;]]]></content:encoded>
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	<itunes:summary><![CDATA[This podcast briefly explains the steps that may be taken by a tax filer and his or her authorized representative to reply to a CRA inquiry letter to make sure that the reply looks professional, and it is supported by the relevant evidence.   By Baqar Bhatti LLB, CPA, CMA, CGMA &#124; CEO &#038; Owner [&#8230;]]]></itunes:summary>
	<itunes:image href="https://i0.wp.com/www.bizreflections.ca/wp-content/uploads/2025/05/pexels-rodnae-productions-7821684_5x6xs8.jpg?fit=1705%2C1705&#038;ssl=1"></itunes:image>
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		<title>CRA Inquiry Process</title>
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	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BizReflections]]></itunes:author>	<googleplay:description><![CDATA[This podcast briefly explains the steps that may be taken by a tax filer and his or her authorized representative to reply to a CRA inquiry letter to make sure that the reply looks professional, and it is supported by the relevant evidence.   By Baqar Bhatti LLB, CPA, CMA, CGMA &#124; CEO &#038; Owner [&#8230;]]]></googleplay:description>
	<googleplay:image href="https://i0.wp.com/www.bizreflections.ca/wp-content/uploads/2025/05/pexels-rodnae-productions-7821684_5x6xs8.jpg?fit=1705%2C1705&#038;ssl=1"></googleplay:image>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
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<item>
	<title>RRSP vs TFSA</title>
	<link>https://www.bizreflections.ca/podcast/rrsp-vs-tfsa/</link>
	<pubDate>Tue, 26 Oct 2021 23:36:20 +0000</pubDate>
	<dc:creator><![CDATA[BizReflections]]></dc:creator>
	<guid isPermaLink="false">https://www.bizreflections.ca/podcast/rrsp-vs-tfsa/</guid>
	<description><![CDATA[There are two savings schemes available for Canadian residents and citizens. These schemes are TFSA and RRSP. Based on the respective merits and demerits of both saving schemes, it appears that TFSA is more advantageous and one may opt for RRSP only once the TFSA room has exhausted. By Baqar Bhatti LLB, CPA, CMA, CGMA [&#8230;]]]></description>
	<itunes:subtitle><![CDATA[There are two savings schemes available for Canadian residents and citizens. These schemes are TFSA and RRSP. Based on the respective merits and demerits of both saving schemes, it appears that TFSA is more advantageous and one may opt for RRSP only once]]></itunes:subtitle>
	<content:encoded><![CDATA[There are two savings schemes available for Canadian residents and citizens. These schemes are TFSA and RRSP. Based on the respective merits and demerits of both saving schemes, it appears that TFSA is more advantageous and one may opt for RRSP only once the TFSA room has exhausted. By Baqar Bhatti LLB, CPA, CMA, CGMA [&#8230;]]]></content:encoded>
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	<itunes:summary><![CDATA[There are two savings schemes available for Canadian residents and citizens. These schemes are TFSA and RRSP. Based on the respective merits and demerits of both saving schemes, it appears that TFSA is more advantageous and one may opt for RRSP only once the TFSA room has exhausted. By Baqar Bhatti LLB, CPA, CMA, CGMA [&#8230;]]]></itunes:summary>
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	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BizReflections]]></itunes:author>	<googleplay:description><![CDATA[There are two savings schemes available for Canadian residents and citizens. These schemes are TFSA and RRSP. Based on the respective merits and demerits of both saving schemes, it appears that TFSA is more advantageous and one may opt for RRSP only once the TFSA room has exhausted. By Baqar Bhatti LLB, CPA, CMA, CGMA [&#8230;]]]></googleplay:description>
	<googleplay:image href="https://i0.wp.com/www.bizreflections.ca/wp-content/uploads/2025/05/pexels-andre-furtado-3021055_1__5zrjkm.jpg?fit=1364%2C1364&#038;ssl=1"></googleplay:image>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>Strategic Planning for the Small Business</title>
	<link>https://www.bizreflections.ca/podcast/strategic-planning-for-the-small-business/</link>
	<pubDate>Tue, 13 Jul 2021 12:46:39 +0000</pubDate>
	<dc:creator><![CDATA[BizReflections]]></dc:creator>
	<guid isPermaLink="false">https://www.bizreflections.ca/podcast/strategic-planning-for-the-small-business/</guid>
	<description><![CDATA[This podcast provides an overview of the importance of strategic planning for small businesses in a post-pandemic business environment to ensure survival and growth.    By Baqar Bhatti LLB, CPA, CMA, CGMA &#124; CEO &#038; Owner of Panacea at Zenith &#124; 289-952-3494 &#124; pazca2017@gmail.com &#124; www.pazca.com ]]></description>
	<itunes:subtitle><![CDATA[This podcast provides an overview of the importance of strategic planning for small businesses in a post-pandemic business environment to ensure survival and growth.    By Baqar Bhatti LLB, CPA, CMA, CGMA &#124; CEO &#038; Owner of Panacea at Zenith &#12]]></itunes:subtitle>
	<content:encoded><![CDATA[This podcast provides an overview of the importance of strategic planning for small businesses in a post-pandemic business environment to ensure survival and growth.    By Baqar Bhatti LLB, CPA, CMA, CGMA &#124; CEO &#038; Owner of Panacea at Zenith &#124; 289-952-3494 &#124; pazca2017@gmail.com &#124; www.pazca.com ]]></content:encoded>
	<enclosure url="https://mcdn.podbean.com/mf/web/kxd48d/Strategic_planning_for_small_businesses_-_finalajssj.mp3" length="3375929" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[This podcast provides an overview of the importance of strategic planning for small businesses in a post-pandemic business environment to ensure survival and growth.    By Baqar Bhatti LLB, CPA, CMA, CGMA &#124; CEO &#038; Owner of Panacea at Zenith &#124; 289-952-3494 &#124; pazca2017@gmail.com &#124; www.pazca.com ]]></itunes:summary>
	<itunes:image href="https://i0.wp.com/www.bizreflections.ca/wp-content/uploads/2025/05/Podcast_social_media_template_1__mujhuw.png?fit=930%2C930&#038;ssl=1"></itunes:image>
	<image>
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		<title>Strategic Planning for the Small Business</title>
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	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BizReflections]]></itunes:author>	<googleplay:description><![CDATA[This podcast provides an overview of the importance of strategic planning for small businesses in a post-pandemic business environment to ensure survival and growth.    By Baqar Bhatti LLB, CPA, CMA, CGMA &#124; CEO &#038; Owner of Panacea at Zenith &#124; 289-952-3494 &#124; pazca2017@gmail.com &#124; www.pazca.com ]]></googleplay:description>
	<googleplay:image href="https://i0.wp.com/www.bizreflections.ca/wp-content/uploads/2025/05/Podcast_social_media_template_1__mujhuw.png?fit=930%2C930&#038;ssl=1"></googleplay:image>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>Can Technology Be a Delay in the Growth of a Small Business?</title>
	<link>https://www.bizreflections.ca/podcast/can-technology-be-a-delay-in-the-growth-of-a-small-business/</link>
	<pubDate>Sat, 13 Mar 2021 00:55:16 +0000</pubDate>
	<dc:creator><![CDATA[BizReflections]]></dc:creator>
	<guid isPermaLink="false">https://www.bizreflections.ca/podcast/can-technology-be-a-delay-in-the-growth-of-a-small-business/</guid>
	<description><![CDATA[It is definitely a must to stay abreast with what is happening in the techie world, however, if operating the business does not require this new app or that new tool then it is definitely not a wise business decision to get it&#8230; By Grace Nasralla, Business Blogger &#124; e-presence Consultants Inc. (founders of BizReflections, [&#8230;]]]></description>
	<itunes:subtitle><![CDATA[It is definitely a must to stay abreast with what is happening in the techie world, however, if operating the business does not require this new app or that new tool then it is definitely not a wise business decision to get it&#8230; By Grace Nasralla, B]]></itunes:subtitle>
	<content:encoded><![CDATA[It is definitely a must to stay abreast with what is happening in the techie world, however, if operating the business does not require this new app or that new tool then it is definitely not a wise business decision to get it&#8230; By Grace Nasralla, Business Blogger &#124; e-presence Consultants Inc. (founders of BizReflections, [&#8230;]]]></content:encoded>
	<enclosure url="https://mcdn.podbean.com/mf/web/ie6qza/Technology_May_Delay_Growth_for_the_Businessaed62.mp3" length="4644171" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[It is definitely a must to stay abreast with what is happening in the techie world, however, if operating the business does not require this new app or that new tool then it is definitely not a wise business decision to get it&#8230; By Grace Nasralla, Business Blogger &#124; e-presence Consultants Inc. (founders of BizReflections, [&#8230;]]]></itunes:summary>
	<itunes:image href="https://i0.wp.com/www.bizreflections.ca/wp-content/uploads/2025/05/Podcast_social_media_template_1_8q31j.png?fit=540%2C540&#038;ssl=1"></itunes:image>
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	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BizReflections]]></itunes:author>	<googleplay:description><![CDATA[It is definitely a must to stay abreast with what is happening in the techie world, however, if operating the business does not require this new app or that new tool then it is definitely not a wise business decision to get it&#8230; By Grace Nasralla, Business Blogger &#124; e-presence Consultants Inc. (founders of BizReflections, [&#8230;]]]></googleplay:description>
	<googleplay:image href="https://i0.wp.com/www.bizreflections.ca/wp-content/uploads/2025/05/Podcast_social_media_template_1_8q31j.png?fit=540%2C540&#038;ssl=1"></googleplay:image>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>Restructuring the Business Model to Meet Customer Needs in a Pandemic Era</title>
	<link>https://www.bizreflections.ca/podcast/restructuring-the-business-model-to-meet-customer-needs-in-a-pandemic-era/</link>
	<pubDate>Wed, 24 Feb 2021 15:24:19 +0000</pubDate>
	<dc:creator><![CDATA[BizReflections]]></dc:creator>
	<guid isPermaLink="false">https://www.bizreflections.ca/podcast/restructuring-the-business-model-to-meet-customer-needs-in-a-pandemic-era/</guid>
	<description><![CDATA[What truly have differentiated businesses that are meeting their monthly revenue from businesses that are struggling to survive is innovation in remodelling the business to meet customer needs in a pandemic that really hit the business community hard.  Here are 4 tips to guide a business to innovatively remodel its offerings. By Grace Nasralla, Business [&#8230;]]]></description>
	<itunes:subtitle><![CDATA[What truly have differentiated businesses that are meeting their monthly revenue from businesses that are struggling to survive is innovation in remodelling the business to meet customer needs in a pandemic that really hit the business community hard.  H]]></itunes:subtitle>
	<content:encoded><![CDATA[What truly have differentiated businesses that are meeting their monthly revenue from businesses that are struggling to survive is innovation in remodelling the business to meet customer needs in a pandemic that really hit the business community hard.  Here are 4 tips to guide a business to innovatively remodel its offerings. By Grace Nasralla, Business [&#8230;]]]></content:encoded>
	<enclosure url="https://mcdn.podbean.com/mf/web/sysqm7/Remodelling_Business_-_Gracebpnol.mp3" length="4240004" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[What truly have differentiated businesses that are meeting their monthly revenue from businesses that are struggling to survive is innovation in remodelling the business to meet customer needs in a pandemic that really hit the business community hard.  Here are 4 tips to guide a business to innovatively remodel its offerings. By Grace Nasralla, Business [&#8230;]]]></itunes:summary>
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	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BizReflections]]></itunes:author>	<googleplay:description><![CDATA[What truly have differentiated businesses that are meeting their monthly revenue from businesses that are struggling to survive is innovation in remodelling the business to meet customer needs in a pandemic that really hit the business community hard.  Here are 4 tips to guide a business to innovatively remodel its offerings. By Grace Nasralla, Business [&#8230;]]]></googleplay:description>
	<googleplay:image href="https://i0.wp.com/www.bizreflections.ca/wp-content/uploads/2025/05/Beige_and_Gray_Minimalist_Quote_Instagram_Post_6_71xxs.png?fit=1080%2C1080&#038;ssl=1"></googleplay:image>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>CRA Letter to CERB Recipients</title>
	<link>https://www.bizreflections.ca/podcast/cra-letter-to-cerb-recipients/</link>
	<pubDate>Mon, 04 Jan 2021 16:40:14 +0000</pubDate>
	<dc:creator><![CDATA[BizReflections]]></dc:creator>
	<guid isPermaLink="false">https://www.bizreflections.ca/podcast/cra-letter-to-cerb-recipients/</guid>
	<description><![CDATA[This podcast provides an overview of possible implications for CERB recipients who wrongly claimed the CERB relief or those whose cases fall in grey areas suggesting actions that they may take to avoid penalties.   By Baqar Bhatti LLB, CPA, CMA, CGMA &#124; CEO &#038; Owner of Panacea at Zenith &#124; 289-952-3494 &#124; pazca2017@gmail.com &#124; www.pazca.com ]]></description>
	<itunes:subtitle><![CDATA[This podcast provides an overview of possible implications for CERB recipients who wrongly claimed the CERB relief or those whose cases fall in grey areas suggesting actions that they may take to avoid penalties.   By Baqar Bhatti LLB, CPA, CMA, CGMA &#1]]></itunes:subtitle>
	<content:encoded><![CDATA[This podcast provides an overview of possible implications for CERB recipients who wrongly claimed the CERB relief or those whose cases fall in grey areas suggesting actions that they may take to avoid penalties.   By Baqar Bhatti LLB, CPA, CMA, CGMA &#124; CEO &#038; Owner of Panacea at Zenith &#124; 289-952-3494 &#124; pazca2017@gmail.com &#124; www.pazca.com ]]></content:encoded>
	<enclosure url="https://mcdn.podbean.com/mf/web/rjz4nv/CRA_letters_to_CERB_Recipients_WAVa9luw.mp3" length="3330249" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[This podcast provides an overview of possible implications for CERB recipients who wrongly claimed the CERB relief or those whose cases fall in grey areas suggesting actions that they may take to avoid penalties.   By Baqar Bhatti LLB, CPA, CMA, CGMA &#124; CEO &#038; Owner of Panacea at Zenith &#124; 289-952-3494 &#124; pazca2017@gmail.com &#124; www.pazca.com ]]></itunes:summary>
	<itunes:image href="https://i0.wp.com/www.bizreflections.ca/wp-content/uploads/2025/05/Podcast_social_media_templateasenb.png?fit=1080%2C1080&#038;ssl=1"></itunes:image>
	<image>
		<url>https://i0.wp.com/www.bizreflections.ca/wp-content/uploads/2025/05/Podcast_social_media_templateasenb.png?fit=1080%2C1080&#038;ssl=1</url>
		<title>CRA Letter to CERB Recipients</title>
	</image>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BizReflections]]></itunes:author>	<googleplay:description><![CDATA[This podcast provides an overview of possible implications for CERB recipients who wrongly claimed the CERB relief or those whose cases fall in grey areas suggesting actions that they may take to avoid penalties.   By Baqar Bhatti LLB, CPA, CMA, CGMA &#124; CEO &#038; Owner of Panacea at Zenith &#124; 289-952-3494 &#124; pazca2017@gmail.com &#124; www.pazca.com ]]></googleplay:description>
	<googleplay:image href="https://i0.wp.com/www.bizreflections.ca/wp-content/uploads/2025/05/Podcast_social_media_templateasenb.png?fit=1080%2C1080&#038;ssl=1"></googleplay:image>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>Canada Recovery Benefit (CRB) vs Canada Emergency Response Benefit (CERB)</title>
	<link>https://www.bizreflections.ca/podcast/canada-recovery-benefit-crb-vs-canada-emergency-response-benefit-cerb/</link>
	<pubDate>Tue, 17 Nov 2020 22:19:13 +0000</pubDate>
	<dc:creator><![CDATA[BizReflections]]></dc:creator>
	<guid isPermaLink="false">https://www.bizreflections.ca/podcast/canada-recovery-benefit-crb-vs-canada-emergency-response-benefit-cerb/</guid>
	<description><![CDATA[This podcast provides an overview of key differences between the CERB and the CRB from eligibility, application and tax perspectives. By Baqar Bhatti LLB, CPA, CMA, CGMA &#124; CEO &#038; Owner of Panacea at Zenith &#124; 289-952-3494 &#124; pazca2017@gmail.com &#124; www.pazca.com ]]></description>
	<itunes:subtitle><![CDATA[This podcast provides an overview of key differences between the CERB and the CRB from eligibility, application and tax perspectives. By Baqar Bhatti LLB, CPA, CMA, CGMA &#124; CEO &#038; Owner of Panacea at Zenith &#124; 289-952-3494 &#124; pazca2017@gm]]></itunes:subtitle>
	<content:encoded><![CDATA[This podcast provides an overview of key differences between the CERB and the CRB from eligibility, application and tax perspectives. By Baqar Bhatti LLB, CPA, CMA, CGMA &#124; CEO &#038; Owner of Panacea at Zenith &#124; 289-952-3494 &#124; pazca2017@gmail.com &#124; www.pazca.com ]]></content:encoded>
	<enclosure url="https://mcdn.podbean.com/mf/web/35scrx/CERB_versus_CRB8r4xy.mp3" length="3385002" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[This podcast provides an overview of key differences between the CERB and the CRB from eligibility, application and tax perspectives. By Baqar Bhatti LLB, CPA, CMA, CGMA &#124; CEO &#038; Owner of Panacea at Zenith &#124; 289-952-3494 &#124; pazca2017@gmail.com &#124; www.pazca.com ]]></itunes:summary>
	<itunes:image href="https://i0.wp.com/www.bizreflections.ca/wp-content/uploads/2025/05/CRVvsCERB.jpg?fit=724%2C483&#038;ssl=1"></itunes:image>
	<image>
		<url>https://i0.wp.com/www.bizreflections.ca/wp-content/uploads/2025/05/CRVvsCERB.jpg?fit=724%2C483&#038;ssl=1</url>
		<title>Canada Recovery Benefit (CRB) vs Canada Emergency Response Benefit (CERB)</title>
	</image>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BizReflections]]></itunes:author>	<googleplay:description><![CDATA[This podcast provides an overview of key differences between the CERB and the CRB from eligibility, application and tax perspectives. By Baqar Bhatti LLB, CPA, CMA, CGMA &#124; CEO &#038; Owner of Panacea at Zenith &#124; 289-952-3494 &#124; pazca2017@gmail.com &#124; www.pazca.com ]]></googleplay:description>
	<googleplay:image href="https://i0.wp.com/www.bizreflections.ca/wp-content/uploads/2025/05/CRVvsCERB.jpg?fit=724%2C483&#038;ssl=1"></googleplay:image>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>Co-working Space and why it&#8217;s a hot topic!</title>
	<link>https://www.bizreflections.ca/podcast/co-working-space-and-why-its-a-hot-topic/</link>
	<pubDate>Tue, 17 Nov 2020 22:19:00 +0000</pubDate>
	<dc:creator><![CDATA[BizReflections]]></dc:creator>
	<guid isPermaLink="false">https://www.bizreflections.ca/podcast/co-working-space-and-why-its-a-hot-topic/</guid>
	<description><![CDATA[This Podcast provides an overview of the importance of co-working space in today&#8217;s market. With soaring commercial lease prices now more than ever, entrepreneurs and small to medium size businesses are depending on co-working space to help their operations thrive. by Bilal El Sheikhali, CEO at Britespace Offices &#124; 416.722.7619 &#124; bsheikh@britespaceoffices.com &#124; www.britespaceoffices.com     ]]></description>
	<itunes:subtitle><![CDATA[This Podcast provides an overview of the importance of co-working space in today&#8217;s market. With soaring commercial lease prices now more than ever, entrepreneurs and small to medium size businesses are depending on co-working space to help their op]]></itunes:subtitle>
	<content:encoded><![CDATA[This Podcast provides an overview of the importance of co-working space in today&#8217;s market. With soaring commercial lease prices now more than ever, entrepreneurs and small to medium size businesses are depending on co-working space to help their operations thrive. by Bilal El Sheikhali, CEO at Britespace Offices &#124; 416.722.7619 &#124; bsheikh@britespaceoffices.com &#124; www.britespaceoffices.com     ]]></content:encoded>
	<enclosure url="https://mcdn.podbean.com/mf/web/b3iw5t/BriteOffices_-_Bilal_Seikh_Podcasts_1.mp3" length="2997079" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[This Podcast provides an overview of the importance of co-working space in today&#8217;s market. With soaring commercial lease prices now more than ever, entrepreneurs and small to medium size businesses are depending on co-working space to help their operations thrive. by Bilal El Sheikhali, CEO at Britespace Offices &#124; 416.722.7619 &#124; bsheikh@britespaceoffices.com &#124; www.britespaceoffices.com     ]]></itunes:summary>
	<itunes:image href="https://i0.wp.com/www.bizreflections.ca/wp-content/uploads/2025/05/Prerequisites_of_self-employmen_1_.png?fit=800%2C800&#038;ssl=1"></itunes:image>
	<image>
		<url>https://i0.wp.com/www.bizreflections.ca/wp-content/uploads/2025/05/Prerequisites_of_self-employmen_1_.png?fit=800%2C800&#038;ssl=1</url>
		<title>Co-working Space and why it&#8217;s a hot topic!</title>
	</image>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BizReflections]]></itunes:author>	<googleplay:description><![CDATA[This Podcast provides an overview of the importance of co-working space in today&#8217;s market. With soaring commercial lease prices now more than ever, entrepreneurs and small to medium size businesses are depending on co-working space to help their operations thrive. by Bilal El Sheikhali, CEO at Britespace Offices &#124; 416.722.7619 &#124; bsheikh@britespaceoffices.com &#124; www.britespaceoffices.com     ]]></googleplay:description>
	<googleplay:image href="https://i0.wp.com/www.bizreflections.ca/wp-content/uploads/2025/05/Prerequisites_of_self-employmen_1_.png?fit=800%2C800&#038;ssl=1"></googleplay:image>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>Why Progressive Direct taxes</title>
	<link>https://www.bizreflections.ca/podcast/why-progressive-direct-taxes/</link>
	<pubDate>Tue, 17 Nov 2020 22:18:32 +0000</pubDate>
	<dc:creator><![CDATA[BizReflections]]></dc:creator>
	<guid isPermaLink="false">https://www.bizreflections.ca/podcast/why-progressive-direct-taxes/</guid>
	<description><![CDATA[This podcast provides an overview of the rationale behind adopting a progressive direct tax system to increase government tax revenues based on the principles of equity and equality. By Baqar Bhatti LLB, CPA, CMA, CGMA &#124; CEO &#038; Owner of Panacea at Zenith &#124; 289-952-3494 &#124; pazca2017@gmail.com &#124; www.pazca.com ]]></description>
	<itunes:subtitle><![CDATA[This podcast provides an overview of the rationale behind adopting a progressive direct tax system to increase government tax revenues based on the principles of equity and equality. By Baqar Bhatti LLB, CPA, CMA, CGMA &#124; CEO &#038; Owner of Panacea ]]></itunes:subtitle>
	<content:encoded><![CDATA[This podcast provides an overview of the rationale behind adopting a progressive direct tax system to increase government tax revenues based on the principles of equity and equality. By Baqar Bhatti LLB, CPA, CMA, CGMA &#124; CEO &#038; Owner of Panacea at Zenith &#124; 289-952-3494 &#124; pazca2017@gmail.com &#124; www.pazca.com ]]></content:encoded>
	<enclosure url="https://mcdn.podbean.com/mf/web/xvdfn2/Why_Progressive_Direct_Taxes_-_Finalaoupu.mp3" length="5769852" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[This podcast provides an overview of the rationale behind adopting a progressive direct tax system to increase government tax revenues based on the principles of equity and equality. By Baqar Bhatti LLB, CPA, CMA, CGMA &#124; CEO &#038; Owner of Panacea at Zenith &#124; 289-952-3494 &#124; pazca2017@gmail.com &#124; www.pazca.com ]]></itunes:summary>
	<itunes:image href="https://i0.wp.com/www.bizreflections.ca/wp-content/uploads/2025/05/Untitled_design_6_9kwmr.png?fit=512%2C512&#038;ssl=1"></itunes:image>
	<image>
		<url>https://i0.wp.com/www.bizreflections.ca/wp-content/uploads/2025/05/Untitled_design_6_9kwmr.png?fit=512%2C512&#038;ssl=1</url>
		<title>Why Progressive Direct taxes</title>
	</image>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BizReflections]]></itunes:author>	<googleplay:description><![CDATA[This podcast provides an overview of the rationale behind adopting a progressive direct tax system to increase government tax revenues based on the principles of equity and equality. By Baqar Bhatti LLB, CPA, CMA, CGMA &#124; CEO &#038; Owner of Panacea at Zenith &#124; 289-952-3494 &#124; pazca2017@gmail.com &#124; www.pazca.com ]]></googleplay:description>
	<googleplay:image href="https://i0.wp.com/www.bizreflections.ca/wp-content/uploads/2025/05/Untitled_design_6_9kwmr.png?fit=512%2C512&#038;ssl=1"></googleplay:image>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>Financial Analysis For Small Businesses</title>
	<link>https://www.bizreflections.ca/podcast/financial-analysis-for-small-businesses/</link>
	<pubDate>Wed, 12 Feb 2020 13:17:39 +0000</pubDate>
	<dc:creator><![CDATA[BizReflections]]></dc:creator>
	<guid isPermaLink="false">https://www.bizreflections.ca/podcast/financial-analysis-for-small-businesses/</guid>
	<description><![CDATA[This podcast provides an overview of the importance of financial analysis for the growth and profitability of a small business by engaging a financial analyst who can suggest measures to improve growth in business profits. By Baqar Bhatti LLB, CPA, CMA, CGMA &#124; CEO &#038; Owner of Panacea at Zenith &#124; 289-952-3494 &#124; pazca2017@gmail.com &#124; www.pazca.com ]]></description>
	<itunes:subtitle><![CDATA[This podcast provides an overview of the importance of financial analysis for the growth and profitability of a small business by engaging a financial analyst who can suggest measures to improve growth in business profits. By Baqar Bhatti LLB, CPA, CMA, ]]></itunes:subtitle>
	<content:encoded><![CDATA[This podcast provides an overview of the importance of financial analysis for the growth and profitability of a small business by engaging a financial analyst who can suggest measures to improve growth in business profits. By Baqar Bhatti LLB, CPA, CMA, CGMA &#124; CEO &#038; Owner of Panacea at Zenith &#124; 289-952-3494 &#124; pazca2017@gmail.com &#124; www.pazca.com ]]></content:encoded>
	<enclosure url="https://mcdn.podbean.com/mf/web/4zgx7i/Financial_analysis_-_The_Podcast.mp3" length="3195249" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[This podcast provides an overview of the importance of financial analysis for the growth and profitability of a small business by engaging a financial analyst who can suggest measures to improve growth in business profits. By Baqar Bhatti LLB, CPA, CMA, CGMA &#124; CEO &#038; Owner of Panacea at Zenith &#124; 289-952-3494 &#124; pazca2017@gmail.com &#124; www.pazca.com ]]></itunes:summary>
	<itunes:image href="https://i0.wp.com/www.bizreflections.ca/wp-content/uploads/2025/05/inspiring_business_story_2_.png?fit=1024%2C768&#038;ssl=1"></itunes:image>
	<image>
		<url>https://i0.wp.com/www.bizreflections.ca/wp-content/uploads/2025/05/inspiring_business_story_2_.png?fit=1024%2C768&#038;ssl=1</url>
		<title>Financial Analysis For Small Businesses</title>
	</image>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BizReflections]]></itunes:author>	<googleplay:description><![CDATA[This podcast provides an overview of the importance of financial analysis for the growth and profitability of a small business by engaging a financial analyst who can suggest measures to improve growth in business profits. By Baqar Bhatti LLB, CPA, CMA, CGMA &#124; CEO &#038; Owner of Panacea at Zenith &#124; 289-952-3494 &#124; pazca2017@gmail.com &#124; www.pazca.com ]]></googleplay:description>
	<googleplay:image href="https://i0.wp.com/www.bizreflections.ca/wp-content/uploads/2025/05/inspiring_business_story_2_.png?fit=1024%2C768&#038;ssl=1"></googleplay:image>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>How To Make Time Spent At Business Networking Events Worthwhile</title>
	<link>https://www.bizreflections.ca/podcast/how-to-make-time-spent-at-business-networking-events-worthwhile/</link>
	<pubDate>Wed, 22 Jan 2020 16:15:15 +0000</pubDate>
	<dc:creator><![CDATA[BizReflections]]></dc:creator>
	<guid isPermaLink="false">https://www.bizreflections.ca/podcast/how-to-make-time-spent-at-business-networking-events-worthwhile/</guid>
	<description><![CDATA[Understanding the influence of people’s behaviour in the dynamics of networking will guide the approach used with different personalities, and in return it becomes easier to meet objectives behind time spent at business networking. Grace Kusta Nasralla, BA, Dip(hons), MOS, MCT  &#124; Grace is business blogger, founder of Ontario Small Business Network (OSBN®) and co-owner [&#8230;]]]></description>
	<itunes:subtitle><![CDATA[Understanding the influence of people’s behaviour in the dynamics of networking will guide the approach used with different personalities, and in return it becomes easier to meet objectives behind time spent at business networking. Grace Kusta Nasralla, ]]></itunes:subtitle>
	<content:encoded><![CDATA[Understanding the influence of people’s behaviour in the dynamics of networking will guide the approach used with different personalities, and in return it becomes easier to meet objectives behind time spent at business networking. Grace Kusta Nasralla, BA, Dip(hons), MOS, MCT  &#124; Grace is business blogger, founder of Ontario Small Business Network (OSBN®) and co-owner [&#8230;]]]></content:encoded>
	<enclosure url="https://mcdn.podbean.com/mf/web/ma6vyg/Time_Spent_At_Networking_Events.mp3" length="3641959" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Understanding the influence of people’s behaviour in the dynamics of networking will guide the approach used with different personalities, and in return it becomes easier to meet objectives behind time spent at business networking. Grace Kusta Nasralla, BA, Dip(hons), MOS, MCT  &#124; Grace is business blogger, founder of Ontario Small Business Network (OSBN®) and co-owner [&#8230;]]]></itunes:summary>
	<itunes:image href="https://i0.wp.com/www.bizreflections.ca/wp-content/uploads/2025/05/kwanzaa_1_.png?fit=1024%2C768&#038;ssl=1"></itunes:image>
	<image>
		<url>https://i0.wp.com/www.bizreflections.ca/wp-content/uploads/2025/05/kwanzaa_1_.png?fit=1024%2C768&#038;ssl=1</url>
		<title>How To Make Time Spent At Business Networking Events Worthwhile</title>
	</image>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BizReflections]]></itunes:author>	<googleplay:description><![CDATA[Understanding the influence of people’s behaviour in the dynamics of networking will guide the approach used with different personalities, and in return it becomes easier to meet objectives behind time spent at business networking. Grace Kusta Nasralla, BA, Dip(hons), MOS, MCT  &#124; Grace is business blogger, founder of Ontario Small Business Network (OSBN®) and co-owner [&#8230;]]]></googleplay:description>
	<googleplay:image href="https://i0.wp.com/www.bizreflections.ca/wp-content/uploads/2025/05/kwanzaa_1_.png?fit=1024%2C768&#038;ssl=1"></googleplay:image>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>Hexagon Business Growth Model</title>
	<link>https://www.bizreflections.ca/podcast/hexagon-business-growth-model/</link>
	<pubDate>Wed, 30 Oct 2019 13:02:08 +0000</pubDate>
	<dc:creator><![CDATA[BizReflections]]></dc:creator>
	<guid isPermaLink="false">https://www.bizreflections.ca/podcast/hexagon-business-growth-model/</guid>
	<description><![CDATA[This podcast provides an overview of Hexagon Business Growth Model (HBGM) that sheds light on six key factors within the control of a business owner to stimulate business growth.   By Baqar Bhatti LLB, CPA, CMA, CGMA &#124; CEO &#038; Owner of Panacea at Zenith &#124; 289-952-3494 &#124; pazca2017@gmail.com &#124; www.pazca.com ]]></description>
	<itunes:subtitle><![CDATA[This podcast provides an overview of Hexagon Business Growth Model (HBGM) that sheds light on six key factors within the control of a business owner to stimulate business growth.   By Baqar Bhatti LLB, CPA, CMA, CGMA &#124; CEO &#038; Owner of Panacea at]]></itunes:subtitle>
	<content:encoded><![CDATA[This podcast provides an overview of Hexagon Business Growth Model (HBGM) that sheds light on six key factors within the control of a business owner to stimulate business growth.   By Baqar Bhatti LLB, CPA, CMA, CGMA &#124; CEO &#038; Owner of Panacea at Zenith &#124; 289-952-3494 &#124; pazca2017@gmail.com &#124; www.pazca.com ]]></content:encoded>
	<enclosure url="https://mcdn.podbean.com/mf/web/sugmhx/Hexagon_Business_Growth.mp3" length="2918142" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[This podcast provides an overview of Hexagon Business Growth Model (HBGM) that sheds light on six key factors within the control of a business owner to stimulate business growth.   By Baqar Bhatti LLB, CPA, CMA, CGMA &#124; CEO &#038; Owner of Panacea at Zenith &#124; 289-952-3494 &#124; pazca2017@gmail.com &#124; www.pazca.com ]]></itunes:summary>
	<itunes:image href="https://i0.wp.com/www.bizreflections.ca/wp-content/uploads/2025/05/perception__Make_it_or_break_it_2_.png?fit=800%2C800&#038;ssl=1"></itunes:image>
	<image>
		<url>https://i0.wp.com/www.bizreflections.ca/wp-content/uploads/2025/05/perception__Make_it_or_break_it_2_.png?fit=800%2C800&#038;ssl=1</url>
		<title>Hexagon Business Growth Model</title>
	</image>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BizReflections]]></itunes:author>	<googleplay:description><![CDATA[This podcast provides an overview of Hexagon Business Growth Model (HBGM) that sheds light on six key factors within the control of a business owner to stimulate business growth.   By Baqar Bhatti LLB, CPA, CMA, CGMA &#124; CEO &#038; Owner of Panacea at Zenith &#124; 289-952-3494 &#124; pazca2017@gmail.com &#124; www.pazca.com ]]></googleplay:description>
	<googleplay:image href="https://i0.wp.com/www.bizreflections.ca/wp-content/uploads/2025/05/perception__Make_it_or_break_it_2_.png?fit=800%2C800&#038;ssl=1"></googleplay:image>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>An Interview With An Entrepreneur &#8211; Dale Stoneman</title>
	<link>https://www.bizreflections.ca/podcast/an-interview-with-an-entrepreneur-dale-stoneman/</link>
	<pubDate>Tue, 08 Oct 2019 12:50:48 +0000</pubDate>
	<dc:creator><![CDATA[BizReflections]]></dc:creator>
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	<description><![CDATA[As an OSBN® initiative to highlight entrepreneurship, we decided to start interviewing entrepreneurs from different industries. This is our first episode and we are starting with Dale Stoneman of LegalShield. Dale Stoneman &#124; dstoneman@bell.net ]]></description>
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	<itunes:summary><![CDATA[As an OSBN® initiative to highlight entrepreneurship, we decided to start interviewing entrepreneurs from different industries. This is our first episode and we are starting with Dale Stoneman of LegalShield. Dale Stoneman &#124; dstoneman@bell.net ]]></itunes:summary>
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