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Fix your finances with Cleve Does More!

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BY: DELLIA RISMAY

Mortgage. Loan. Debt. These are words that tend to induce feelings of dread, stress, and anxiety in many people. They can invoke ideas of being unable to afford things like a home, or other necessities in life. But what if it didn’t have to be this way? Cleve DeSouza from Cleve Does More is here to say it doesn’t have to be.

Born and raised in Jamaica, Cleve has always had a knack for thinking outside of the box. When he was 19, he moved to Canada, where he went on to study mechanical engineering. He is now a licensed engineer and a licensed project manager. Today, he uses all that he’s learned in those fields and applies it to finance.

Cleve Does More has been helping clients with lending since 2014, but Cleve has been investing in real estate since 2008. He began acting as an advocate for his clients when he realized that not all brokerages had the best intentions for the people they were supposed to be assisting. “I wanted to offer that value to people in terms of being an advocate and a representation of them because I was having my share of experience where brokers are not really the most trustworthy persons, and of course they’re a little bit more into the commission,” Cleve explains. He wanted to ensure that people were getting the most value out of the market without them having to shop around by themselves, so with the help of Matrix Mortgage Global as his brokerage, he took it upon himself to be the person that would help.

Initially, Cleve was helping clients with their debt by using their homes as security, but he then realized that mortgages were not the only tool he could use to do this. “I found that people needed more sustained guidance, more counseling,” he says. “I’m a strategist by nature and an analyst, I’m able to do business plans and strategic planning; I am now bringing strategic planning to individuals.” Depending on their situation, Cleve began to introduce other tools, such as debt consolidations and loans in addition to mortgages to help his clients. “Now I take your old financial picture, analyze it, I show you exactly where you are, and then we can make some informed choices about where we want to move with your finances.”

When Cleve meets with a new client, he begins by using a financial needs analysis, which allows him to gain insight into where they stand. “I’m taking your finances from A to Z and I’m making sure that I’m comprehensive, no stone unturned,” he says. He emphasizes that there is no judgment while this is being done, it is simply to ensure the accuracy of the plan he will put in place. Once that is done, he makes recommendations on how improvements can be made. Cleve and his team then continue to support and coach their clients after their meeting to maintain accountability and follow-through.

Those who have shopped around for the best rates when it comes to mortgages and other loans know that there is no shortage of lenders in the GTA, and many of them make similar promises in terms of being the best and the most client-focused. So what sets Cleve Does More apart? “The point of Cleve Does More is to not only focus the conversation on mortgages but to mainly focus on the fundamentals of financial management. Cleve Does More is separated from everybody, because nobody is going to work with you on that front. They’re more focused on ‘oh, you want a mortgage? Okay, I’ll give it to you’. They don’t always consider how you’re going to afford the mortgage, or what stress it’s going to cause in your life,” Cleve says.

For many people, that apprehension of beginning a financial plan that isn’t truly the best fit for them is one reason why they may avoid seeking the assistance of a professional. For others, it’s simply because they feel ashamed of their situation and don’t want to bring any more attention to it. Cleve says that he does not judge anyone for their finances or their situation, and it is his job to help. “It’s not about judging whether things are good, bad, or ugly, it’s about drawing the line where it is. And from drawing the line where it is, that’s how we’re going to make informed choices moving forward. There are two choices: we can live with the problem, or we can get some help solving the problem and getting the solution,” says Cleve.

Regardless of the situation, Cleve has one piece of advice for everyone: “plan your financial life by design, as opposed to making it happen by chance.” Proper financial planning brings peace of mind, and Cleve Does More can help get you there.

Book your free 30 minute financial needs analysis with Cleve by calling 647-476-2918, or by emailing him at cleve@clevedoesmore.com.

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Technology

How Toronto’s Caribbean Community is Leading in Digital Innovation

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Toronto’s Caribbean community is making significant strides in the realm of digital innovation, reflecting a vibrant and dynamic force within the city’s tech sector. This burgeoning influence spans across various sectors, including technology incubation, digital education, and entrepreneurship, underscoring a profound impact on Toronto’s digital economy.

Fostering a Culture of Innovation

The Caribbean community in Toronto is actively contributing to a culture of innovation that is pivotal for the city’s future advancements. Through collaboration with local and international businesses, startups, and academic institutions, this community is part of the driving force behind Toronto’s position as a hub for innovation. The city is home to over 70 incubators, accelerators, and co-working spaces, offering programs that support startups in technology, manufacturing, food production, fashion, arts, and music.

Central to this ecosystem is the MaRS Centre, one of the world’s largest urban innovation hubs, which houses entrepreneurs building Canada’s next generation of growth companies. Toronto’s impressive tech industry, supported by giants like Microsoft, IBM, Cisco, Google, and Facebook, benefits from the diverse talents and innovative spirit of the Caribbean community​​.

Digital Education and Entrepreneurial Spirit

The Toronto Caribbean community’s commitment to digital education and entrepreneurship is evident through initiatives such as the Toronto Reference Library. This hub invites users of all ages and skill levels to explore digital creation, offering activities and workshops on topics like 3D printing, graphic novel book clubs, and crafting circles. Such programs are crucial for fostering a culture of lifelong learning and innovation, enabling community members to acquire and refine digital skills.

Contribution to the Digital Economy

In the rapidly evolving digital economy, Toronto’s Caribbean community is not just a participant but a trendsetter. This is evident in the diverse range of digital services thriving in the city, including sectors such as life sciences and healthcare. The community’s innovative spirit contributes significantly to the city’s standing as a leading North American tech hub, with a vibrant biotechnology cluster and a comprehensive network of hospitals, research institutes, business incubators, and venture capital organizations. Also, initiatives like the Caribbean Digital Summit and The LEGUP Wealth Symposium featuring leaders from Caribbean governments and the tech industry, exemplifies the community’s active engagement and leadership in digital transformation and governance on a broader scale​​.

The real-time table games in Canada exemplify the wide array of online services prospering under this innovative umbrella. This digital sector benefits from the technological advancements and entrepreneurial drive within the Caribbean community, illustrating the diverse impact on Toronto’s digital landscape.

Toronto’s Caribbean community is playing a pivotal role in shaping the city’s digital innovation landscape. Through a commitment to education, entrepreneurship, and collaboration, this vibrant community is contributing to Toronto’s reputation as a global hub for technology and innovation. The synergy between the Caribbean community and the broader tech ecosystem in Toronto is proof of the power of diversity in driving progress and creativity in the digital age.

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Technology

Jamaica’s Back-to-Back CONCACAF Gold Cup Final Appearances

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Jamaica, a small island in the Caribbean, may not be one of the first countries that come to mind when you think of soccer. However, in recent years, the Reggae Boyz have been making waves. And following the underdog stories unfolding at the current African Cup of Nations, the Jamaicans may well feel that success is just around the corner.

2024 – A Big Year For International Football

In the Ivory Coast this winter, AFCON has been making waves following the stunning early exits of almost every heavy hitter. The likes of Algeria, Tunisia, and Ghana all bowed at the group stage, while Egypt and Morocco followed them in the round of 16.

But it isn’t just Africa that has a continental competition taking place this year. Both the 2024 European Championships and Copa America will take place, tournaments that online sports betting sites have made England and Argentina the favorites to win, respectively. Caribbean involvement will have to wait until next year when the 2025 CONCACAF Gold Cup gets underway, and Jamaica will be hoping to channel their success from years gone by into action.

2015

The 2015 CONCACAF Gold Cup was held in Canada and the United States, with Jamaica competing against some of the best teams from North and Central America. Despite being underdogs in many matches, the Reggae Boyz managed to make it all the way to the final. Inspired by the performances of former Premier League wingers Jobi McAnuff and Gareth McCleary, the Caribbean outfit defeated the highly-rated Costa Rica to top Group B.

That set up a meeting with Haiti in the quarterfinals, and a goal from former Derby County man Giles Barnes was enough to secure a narrow 1-0 victory. In the semifinals, they met a much fancied United States in front of 70,000 raucous fans at the Georgia Dome. But they weren’t intimidated, racing into a two-goal lead before clinging on for dear life in the second half and eventually running out 2-1 victors. Unfortunately, they were ultimately downed 3-1 by Mexico in the final, but not before they had captured the hearts of North America.

2017

Two years later, in 2017, Jamaica once again found themselves in the final of the tournament. This time around they faced the reigning champion Mexicans in the group stage, holding them to a goalless draw. Victories against Curacao and a draw with El Salvador were enough to seal their spot in the knockout round however, they headed into the latter stages as an unfancied side once more.

In the quarterfinals, the Jamaicans duly brushed aside Canada thanks to goals from Shaun Francis and Romario Williams. That set up a meeting with Mexico once again, and this time around, they would have their redemption. Fullback Kemar Lawrence scored the only goal of the game in the 88th minute, leaving El Tri stunned and sealing the Reggae Boyz’ spot in the final.

There, they faced off against the hosting United States at Levi’s Stadium in Santa Clara, California – home of the San Francisco 49ers. The Jamaicans were hoping to repeat their heroics of two years prior and come out on top, however, this time around it was the Stars and Stripes that ran out victorious. With the contest level at one goal apiece, Seattle Sounders striker Jordan Morris popped up with an 88th-minute winner to secure the victory.

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Victim Services of Durham Region invites Ontario schools and youth to Youth Violence Prevention Symposium

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BY PAUL JUNOR

Victim Services of Durham Region (VSDR) is committed to educating and informing young people with the knowledge and education they need to make informed decisions regarding critical issues that affect their lives.

In order to fulfill its mission, it will be hosting its annual online Youth Violence Prevention (YVP) Symposium. It will take place over a two-week period on Monday, February 26th and Friday, March 8th, 2024.It will be geared to Grades: 7, 8 and 9 students who will be able to access it using the online learning platform, Learn Worlds.

VSDR has been active over the years in the Durham Region where it has provided a range of services to help those affected and impacted by crime, or sudden tragedies. It is the only one of its kind that offers specialized services and support 24/7, 365 days per year to these individuals.

Their vision is to have a safe community where people are supported, empowered and thriving. The press release states that they provide trauma-informed, anti-oppressive crisis intervention services, including emotional support, safety planning, and financial assistance. In addition, there are translation services available in over 300 languages to those who need them. Case management services are also available, which assist individuals to bypass bureaucratic roadblocks with available:

subsidized housing, income support, medical and police services.

VSDR provides tailored support to survivors and witnesses of all crimes; 85% of its clients have experienced gender-based violence, including: survivors of intimate partner violence, sexual assault and human trafficking.

Some of the programs VSDR offers are:

  • Crisis Response
  • System Navigation
  • Victim Quick Response Program
  • Human Trafficking Prevention/Intervention
  • Youth Prevention Workshops
  • Professional Training
  • Hotel Staff Training

The symposium will consist of accessible online modules that will be broken down into educational content, specific videos and in-class activities that are grade specific and align with curriculum targets. The six modules per grade are:

  • Consent & Healthy Relationships
  • Human Trafficking
  • Online Safety, Cyber Bullying and Image Sharing
  • Teen Dating Violence
  • Gang Violence & Peer Violence
  • Empowerment & Self-Care

The following are aims of the symposium:

  • Protect and empower young people.
  • Engage with issues like human trafficking, consent, healthy relationship, sextortion, teen dating violence, gang awareness, and cyber safety.
  • Provide insights on vulnerabilities and risk factors through activities and presentations.

Through partnerships with schools and educators it has been possible to:

  • Provide interactive online modules, games and videos.
  • Focus on learning in a safe setting.
  • Information on where to seek support provided on the event day and beyond.

Since 2020, the annual Violence Prevention Symposium has made a significant impact in the lives of young people as its program evolves from just focusing on Anti-Human Trafficking to issues that reflect emerging youth trends.

Some of the Impactful Results are:

  • Youth knowledge increased from 35% to 97%
  • Over 300% decrease in the number of youths educated since 2020
  • 48 disclosures received in 2023 as a result of symposium education.

VSDR is anticipating great things from the 2024 symposium. They will continue to adapt and adjust the programs and services they deliver in light of the changing landscape and rapidly evolving world of teenagers.

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