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Why Insurance is essential
In Career Gems By

Why Insurance Is Essential for a Secure Financial Future

Life is full of uncertainties, but one thing we can control is how prepared we are for them. Whether it’s securing your family’s well-being, planning for retirement, or safeguarding your health while traveling, insurance plays a pivotal role in building a stable and secure future.

Despite its importance, many people overlook or delay getting the right coverage. Here’s why insurance is not just a financial tool but a cornerstone of a safe and prosperous future.

This article explores the key reasons why insurance is essential, highlights its various types, and offers actionable insights for building a secure financial future.

What is Insurance and Why Do You Need It?

Insurance is a financial safety net that protects you, your loved ones, and your assets from unforeseen risks. From life insurance to critical illness coverage, each type of insurance plays a unique role in reducing financial burdens during challenging times.

When you invest in insurance, you’re not just buying a policy—you’re investing in your future security and that of your family.

Key Benefits of Insurance

1. Life Insurance & Critical Illness Coverage: Protecting Your Family

Life insurance ensures that your loved ones are financially supported if the unthinkable happens. It covers everyday expenses, mortgages, and even long-term goals like education.

Critical illness coverage provides financial relief if you’re diagnosed with a severe health condition, so you can focus on recovery without worrying about medical bills.

Did You Know? Tailored life insurance policies can adapt to your family’s changing needs, ensuring continuous protection.

2. Investment Services: Securing Your Retirement

Planning for the future is a vital step toward financial independence. With tools like TFSAs (Tax-Free Savings Accounts), RRSPs (Registered Retirement Savings Plans), and RESPs (Registered Education Savings Plans), you can grow your wealth while minimizing tax burdens.

These investment options are designed to help you achieve long-term financial goals, whether that’s a comfortable retirement or funding your children’s education.

3. Children’s Plans & Estate Planning: Building a Legacy

Your children’s future is one of your greatest priorities. Education savings plans ensure they have the resources needed to succeed, while estate planning preserves your wealth for generations to come.

A well-structured estate plan is a powerful tool to protect your assets and make sure your legacy aligns with your wishes.

4. Group Benefits & Travel Insurance: Comprehensive Coverage

Health and travel insurance are critical for safeguarding your well-being.

  • Group Benefits: Offer your employees or yourself access to healthcare, dental, and vision coverage.
  • Travel Insurance: Protect yourself from unexpected expenses while exploring new destinations.
  • Super Visa Insurance: Tailored for parents and grandparents visiting on Super Visas, ensuring they receive adequate medical coverage.

Pro Tip: Travel insurance isn’t just for vacations—it’s essential for any trip to cover medical emergencies, cancellations, or lost belongings.

How Insurance Supports Financial Growth

Insurance isn’t just about protection; it’s a strategic financial tool. By investing in the right policies, you can:

  • Create wealth through structured savings plans.
  • Mitigate risks associated with health issues or accidents.
  • Free yourself from the anxiety of unexpected expenses.

Why Act Now?

Time is a critical factor in insurance and investment planning. The earlier you start, the more benefits you can unlock. Premiums are often lower when you’re younger, and investments have more time to grow.

Waiting until an emergency occurs can limit your options and cost you significantly more. Be proactive and take the first step toward building a secure future today.

Let Me Help You Secure Your Future

Are you ready to protect your family, grow your wealth, and build a legacy? As a licensed financial and insurance broker, I’m here to tailor solutions that meet your unique needs.

📩 Contact me today – eijewere@experiorfinancial.ca for a personalized consultation. Let’s explore how life insurance, investment services, and travel coverage can give you the peace of mind you deserve.

Call to Action:
Don’t wait for tomorrow—secure your future today. Together, we’ll create a financial plan that protects what matters most.

About the Author:


Esther Ijewere is an experienced media strategist and Senior Financial Associate at Experior Financial Group, Canada. With a passion for empowering individuals and families, she combines her expertise in financial services and strategic communication to help clients build secure and prosperous futures.

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Financial Tips for Women Entrepreneurs
In Career Gems By

Financial Tips for Women Entrepreneurs: Managing and Growing Your Wealth

Women entrepreneurs face unique challenges when it comes to financial management. From securing funding to balancing personal and business finances, the path to financial independence can be daunting. However, with the right financial strategies, women business owners can manage their wealth effectively and grow their businesses. This article shares practical financial tips for women entrepreneurs to help them achieve financial success and long-term stability.

1. The Importance of Budgeting for Women Entrepreneurs

One of the first steps toward financial success is creating a budget. Budgeting helps you track your income and expenses, ensuring you have a clear picture of your business’s financial health. By separating personal and business finances, you can more easily manage your cash flow and avoid overspending. Additionally, budgeting gives you the opportunity to plan for future investments and savings.

Tip: Use financial software like QuickBooks or Wave to track your business and personal expenses and create a monthly budget that aligns with your financial goals.

2. Saving for the Future: Build an Emergency Fund

Life as an entrepreneur can be unpredictable. Having an emergency fund is essential to protect your business from unexpected expenses and economic downturns. Aim to save at least three to six months of business and personal expenses. This safety net will allow you to weather financial storms without compromising your business operations or personal finances.

Tip: Set up an automatic transfer to a separate savings account to build your emergency fund over time.

3. Investing Wisely: Plan for Growth and Retirement

Investing is key to growing your wealth and securing your future. As a woman entrepreneur, consider both personal and business investments. In your business, invest in technology, marketing, and talent to fuel growth. On the personal side, start investing early in retirement plans like a Roth IRA or 401(k), even if you’re self-employed.

Tip: Consult with a financial advisor to explore investment options that align with your risk tolerance and long-term goals.

4. Seeking Funding: Know Your Options

Accessing funding can be a challenge for many women entrepreneurs, but there are several opportunities available. From loans to grants and investors, it’s important to explore different sources of capital for your business. Consider seeking out women-focused funding organizations, such as The Women’s Business Enterprise National Council (WBENC), or venture capitalists who specialize in supporting women-led businesses.

Tip: Create a solid business plan and pitch when seeking funding. Be clear about your vision and how the capital will help you grow your business.

5. Monitor Your Cash Flow Regularly

Cash flow is the lifeblood of any business. Without proper cash flow management, even profitable businesses can struggle to stay afloat. Monitor your cash flow regularly to ensure you have enough working capital to meet your business’s needs. Use tools like Xero or Zoho Books to automate cash flow tracking and alert you of potential issues.

Tip: Keep an eye on accounts receivable and ensure you’re invoicing clients on time. Late payments can significantly impact your cash flow.

6. Building Financial Literacy: Educate Yourself and Your Team

Financial literacy is crucial for women entrepreneurs. Understand the basics of accounting, taxes, and investment strategies to make informed decisions about your business. Consider taking online courses or hiring a mentor to help you strengthen your financial knowledge. Educate your team about financial matters as well, as everyone should be aligned with the business’s financial goals.

Tip: Attend workshops or seminars on financial management for entrepreneurs to stay updated on best practices and strategies.

7. Tax Planning and Deductions

Tax planning is a key aspect of financial management that can help you save money and avoid surprises at tax time. Ensure you’re aware of all the tax deductions available to your business, such as equipment purchases, business travel, and home office expenses. Hire an accountant to help you navigate tax laws and optimize your tax strategy.

Tip: Set aside a percentage of your income for taxes throughout the year, so you’re not caught off guard during tax season.

Managing and growing your wealth as a woman entrepreneur requires a combination of financial literacy, discipline, and strategic planning. By implementing these financial tips—budgeting, saving, investing, seeking funding, and educating yourself—you can ensure your financial independence and set your business up for success. Take control of your finances today, and watch your wealth and business flourish.

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Building sustainable business
In Career Gems By

How to Build a Sustainable Business: A Guide for Women Entrepreneurs

Building a sustainable business is a journey that requires careful planning, persistence, and the ability to adapt to changing market conditions. For women entrepreneurs, the road to success may come with unique challenges, but the rewards of creating a thriving business that lasts for years are well worth the effort. Here’s a step-by-step guide on how to build a sustainable business and ensure long-term success.

1. Start with a Clear Vision and Purpose

A strong business foundation begins with a clear vision and purpose. As a woman entrepreneur, it’s essential to define what your business stands for and how it contributes to the world. Ask yourself:

  • What problem does your product or service solve?
  • How does your business align with your personal values and goals?
  • Who is your target market, and how can you serve them better than anyone else?

A well-defined vision will guide your decisions, help you stay focused, and motivate you through tough times.

2. Conduct Thorough Market Research

Before diving into business operations, it’s important to understand your market. Research is key to identifying trends, opportunities, and potential gaps in the market that your business can fill. This is especially important for women entrepreneurs who may face competition in male-dominated industries.

Ask yourself:

  • Who are your competitors, and what are they doing well?
  • What are the unique needs of your target audience?
  • What can you offer that will set you apart from the competition?

Market research will provide valuable insights and help you refine your business model.

3. Create a Solid Business Plan

A business plan acts as a roadmap for your venture. It outlines your goals, strategies, financial projections, and growth plans. A solid business plan is essential for attracting investors, securing loans, and staying on track as you grow. Your business plan should include:

  • Executive summary: A brief overview of your business.
  • Business description: What your business does and its market position.
  • Market analysis: An overview of industry trends, competitors, and target market.
  • Marketing and sales strategies: How you plan to attract and retain customers.
  • Financial projections: Expected income, expenses, and profitability.

Your business plan will evolve as your business grows, but it’s an essential starting point.

4. Focus on Building Strong Relationships

Networking and building relationships with other business owners, customers, and mentors is crucial. As a woman entrepreneur, forming a support network of like-minded individuals can provide invaluable advice, opportunities, and moral support. Here’s how to build meaningful relationships:

  • Attend networking events, both online and offline, to connect with other entrepreneurs.
  • Join industry-specific groups and communities to share ideas and resources.
  • Find a mentor who can guide you through challenges and offer insights based on experience.

Strong relationships will not only help your business thrive but also create a sense of community that fosters growth and collaboration.

5. Manage Your Finances Wisely

Financial management is at the core of building a sustainable business. Many women entrepreneurs struggle with securing funding or managing their finances effectively, but with the right tools and strategies, you can ensure long-term profitability. Consider the following tips:

  • Create a budget and track your expenses to ensure you’re staying within your financial limits.
  • Build an emergency fund to cover unexpected costs.
  • Seek out funding options such as grants, loans, and investors, but ensure you understand the terms and risks.
  • Regularly review your financial statements to monitor cash flow and profitability.

Responsible financial management will keep your business afloat and ensure its sustainability in the long run.

6. Adapt to Market Changes and Embrace Innovation

The business world is constantly evolving, and it’s crucial to stay ahead of the curve. As a female entrepreneur, you need to be flexible and open to change, whether that means adapting your products, services, or business model. Stay informed about industry trends, new technologies, and customer preferences to keep your business relevant.

Here are a few ways to embrace innovation:

  • Invest in technology to streamline operations and improve efficiency.
  • Continuously seek customer feedback to improve your offerings.
  • Be open to pivoting your business model if needed to stay competitive.

By staying adaptable and forward-thinking, you’ll ensure that your business remains viable and ready to tackle future challenges.

7. Prioritize Work-Life Balance

Sustaining a successful business is not just about financial growth—it’s also about personal well-being. Women entrepreneurs often face the challenge of balancing their business responsibilities with personal life, which can lead to burnout if not managed carefully.

To maintain a healthy work-life balance:

  • Set clear boundaries between work and personal time.
  • Delegate tasks when possible to avoid overwhelming yourself.
  • Take time for self-care, whether it’s through exercise, hobbies, or spending quality time with loved ones.

Taking care of yourself will ensure that you remain energized, focused, and able to lead your business with clarity.

Conclusion

Building a sustainable business as a woman entrepreneur requires dedication, resilience, and a strategic approach. By starting with a clear vision, conducting market research, creating a solid business plan, and managing finances wisely, you can set a strong foundation for long-term success. Remember to network, stay adaptable, and prioritize your well-being to ensure your business continues to thrive for years to come.

At Women of Rubies, we are committed to empowering women entrepreneurs by providing the tools, resources, and support needed to build sustainable businesses that make a lasting impact. Keep striving, and together, we can create a future of limitless possibilities.

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high-paying jobs for women
In Career Gems By

10 High-Paying Jobs For Women In Canada ( With Salary)

Canada offers a wealth of opportunities for women looking to build rewarding and financially secure careers. As the country continues to promote gender equality in the workplace, women have increasingly been able to break barriers and thrive in high-paying professions across various industries. From healthcare to finance and technology, here are 10 high-paying jobs for women in Canada, complete with salary estimates, key skills, and reasons why these careers are so lucrative.

Physician/Surgeon

  • Salary: $150,000 – $350,000+ per year
  • Key Skills: Medical expertise, decision-making, attention to detail, patient care, communication, problem-solving, leadership.
  • Why It’s Lucrative: Physicians and surgeons are compensated highly due to the extensive education and training required, as well as the critical nature of their work. Specializing in high-demand areas such as cardiology or neurosurgery can significantly increase earning potential. The need for skilled healthcare professionals remains high, driving up salaries.

2. Dentist

  • Salary: $120,000 – $250,000+ per year
  • Key Skills: Dental knowledge, manual dexterity, patient care, communication, problem-solving, business management (for private practices).
  • Why It’s Lucrative: Dentists are highly paid because of the technical expertise needed and the high demand for dental care. Specializations such as orthodontics or oral surgery come with even higher salaries, and those who own their practices can significantly boost their income.

3. Pharmacist

  • Salary: $90,000 – $130,000+ per year
  • Key Skills: Pharmaceutical knowledge, attention to detail, communication, patient counseling, inventory management, problem-solving.
  • Why It’s Lucrative: Pharmacists are well-compensated due to their critical role in healthcare. They ensure patients receive the right medications and advise on their use, which requires specialized knowledge and ongoing education. Positions in hospitals, or owning a pharmacy, can increase their earning potential.

4. Lawyer

  • Salary: $100,000 – $300,000+ per year
  • Key Skills: Legal knowledge, negotiation, communication, critical thinking, research, attention to detail, time management.
  • Why It’s Lucrative: Lawyers earn high salaries due to the specialized knowledge required to navigate complex legal matters, including contracts, litigation, and corporate law. Senior roles in corporate law, intellectual property, or family law tend to be the most lucrative, with additional bonuses or profit-sharing opportunities in private firms.

5. Engineer

  • Salary: $80,000 – $150,000+ per year
  • Key Skills: Technical expertise, problem-solving, analytical thinking, project management, teamwork, creativity.
  • Why It’s Lucrative: Engineers work in high-demand sectors such as software development, petroleum, and civil engineering. The technical skills required, along with the ability to solve complex problems, make engineers highly valuable. Specialized fields, such as petroleum engineering, often offer the highest salaries due to the expertise needed.

6. IT Manager/Software Developer

  • Salary: $85,000 – $140,000+ per year
  • Key Skills: Programming, software development, problem-solving, leadership, project management, systems analysis, cybersecurity.
  • Why It’s Lucrative: The tech industry is booming, and highly skilled IT professionals and software developers are in high demand. Their ability to create, manage, and protect complex systems has made them indispensable to businesses. The demand for cybersecurity and software development is particularly strong, leading to competitive salaries.

7. Financial Manager/Analyst

  • Salary: $90,000 – $160,000+ per year
  • Key Skills: Financial analysis, forecasting, strategic thinking, budgeting, communication, data interpretation, problem-solving.
  • Why It’s Lucrative: Financial managers and analysts oversee critical aspects of business operations, such as budgeting, investments, and financial planning. Their expertise is essential for the financial health of organizations, driving up salaries. Women who rise to senior roles, such as CFO or financial director, can see higher earnings.

8. Airline Pilot

  • Salary: $80,000 – $200,000+ per year
  • Key Skills: Technical knowledge of aviation, communication, problem-solving, decision-making, leadership, attention to detail, stress management.
  • Why It’s Lucrative: Airline pilots are highly trained professionals responsible for the safety and efficiency of air travel. The job requires not only technical flying skills but also the ability to make quick decisions and handle stressful situations. Senior pilots, especially those working for major international airlines, earn lucrative salaries.

9. University Professor (Tenured)

  • Salary: $100,000 – $200,000+ per year
  • Key Skills: Expertise in a specific academic field, research, communication, presentation, mentorship, critical thinking, time management.
  • Why It’s Lucrative: Tenured professors enjoy job security and the opportunity to earn a high salary, particularly in specialized fields such as law, engineering, or medicine. The combination of teaching, research, and administrative responsibilities can make this a rewarding and financially stable career. Those with strong research funding or leadership roles in their departments may see higher salaries.

10. Marketing Director/Manager

  • Salary: $80,000 – $150,000+ per year
  • Key Skills: Strategic thinking, creativity, market research, digital marketing, communication, project management, leadership.
  • Why It’s Lucrative: Marketing professionals, particularly those in leadership positions, are responsible for driving brand awareness, market penetration, and customer engagement. Their role is crucial for the success of an organization, and their ability to create and execute effective marketing strategies is highly valued. Companies are willing to pay a premium for experienced marketing directors and managers, particularly in high-demand industries like tech, healthcare, and consumer goods.

Conclusion

The Canadian workforce offers numerous high-paying career options for women, spanning diverse industries such as healthcare, law, engineering, finance, and technology. These roles not only provide financial security but also empower women to make a significant impact in their fields. The combination of specialized skills, high demand, and the critical nature of these professions makes them particularly lucrative. Whether you’re looking to enter one of these professions or already working in a high-paying field, the opportunities for women in Canada are abundant and diverse. With the right skills and experience, women can continue to break barriers and succeed in these rewarding careers.

 

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Lieutenant-General Jennie Carignan
In Inspiration By

Lieutenant-General Jennie Carignan: Canada’s First Female Chief of the Defence Staff

In July 2024, Lieutenant-General Jennie Carignan officially assumed her role as Chief of the Defence Staff, becoming the first woman to lead the Canadian Armed Forces (CAF). Her appointment marks a historic milestone for Canada’s military and a powerful testament to her 35-year career of exceptional service and leadership.

Trailblazing Career Spanning Over 35 Years

Lieutenant-General Carignan’s career is a testament to resilience and dedication. Over her 35 years of service, she has achieved numerous firsts, including becoming the first woman in CAF history to command a combat arms unit in 2008. Her extensive experience includes leading over 10,000 soldiers as commander of the 2nd Canadian Division and spearheading crisis operations, such as flood relief efforts in Quebec.

Her international deployments to Afghanistan, Bosnia-Herzegovina, and Syria, as well as her leadership of NATO Mission Iraq from 2019 to 2020, underscore her capability to navigate complex global challenges.

Since 2021, she has served as Chief, Professional Conduct and Culture at National Defence, working to transform the culture within the CAF. Her contributions have earned her numerous accolades, including the Meritorious Service Medal and the Meritorious Service Cross.

Looking Ahead: Leadership in Challenging Times

Lieutenant-General Carignan assumes leadership at a critical time. With evolving security threats, the CAF’s role in defending Canada, supporting NATO allies, and providing humanitarian assistance during natural disasters has never been more vital.

In her new role, she will oversee these ongoing operations while advancing efforts to foster a respectful and inclusive environment for all members of the Armed Forces.

Her leadership promises to shape the future of the CAF, ensuring it remains a strong, secure, and adaptable institution capable of addressing modern challenges.

Acknowledging General Wayne Eyre’s Legacy

Lieutenant-General Carignan’s appointment follows the retirement of General Wayne Eyre, who has led the CAF since 2021. With over 40 years of service, General Eyre has been recognized for his dedication and contributions. His leadership has been pivotal during critical moments, and his legacy will continue to inspire future generations of military leaders.

A Message of Confidence and Optimism

Prime Minister Justin Trudeau expressed his confidence in Lieutenant-General Carignan’s ability to lead the CAF into the future, stating:
“Her exceptional leadership qualities, commitment to excellence, and dedication to service have been a tremendous asset to our Armed Forces. I am confident that, as Canada’s new Chief of the Defence Staff, she will help Canada be stronger, more secure, and ready to tackle global security challenges.”

Similarly, Defence Minister Bill Blair highlighted her track record of excellence in difficult operations and her readiness to navigate emerging challenges.

A Historic Moment for Canada

Lieutenant-General Jennie Carignan’s appointment is not just a personal milestone but a moment of progress for Canada. Her leadership marks a turning point in the representation of women in senior military roles and sets an inspiring example for future generations.

As the nation looks ahead to her formal appointment in July 2024, her story continues to resonate as one of perseverance, excellence, and transformative leadership.

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Side hustle
In Career Gems By

How to Budget for Your Side Hustle: A Guide to Turning Passion into Profit

Are you thinking about transforming your side hustle into a full-fledged business? One of the first steps on this exciting journey is to establish a solid business budget. A well-planned budget can help you navigate the financial landscape of running a business, ensuring you stay afloat and grow.

What is a Business Budget?

A business budget is a detailed financial plan that outlines your business’s income, expenses, and profits. It serves as a roadmap to help you understand how much money is coming in and where it’s going. This insight is crucial for making informed decisions and keeping your business running smoothly.

There are various formats you can use to create a business budget. A simple Excel sheet can be a good starting point. For more advanced options, you might consider using budgeting software like Freshbooks, PocketGuard, or Xero.

Why You Need a Business Budget

As a small business owner, you might be tempted to mix your personal and business finances. However, maintaining a separate business budget is essential for several reasons:

  1. Clarity in Financial Management: A business budget helps you track expenses, revenues, and profits, reducing the risk of financial confusion or overspending.
  2. Tax Preparation: Keeping your business finances separate simplifies tax filing and ensures you don’t miss out on deductions.
  3. Financial Health Monitoring: Understanding your cash flow helps you anticipate and plan for slow periods, preventing unexpected financial shortfalls.

Steps to Create a Business Budget

Creating a business budget doesn’t have to be daunting. Here are six simple steps to guide you:

  1. Identify Your Income Sources

    Begin by listing all the ways your business earns money. This could include product sales, services offered, or other revenue streams. For example, if you’re a photographer, your income streams might include:

    • Weddings: $300
    • Engagement shoots: $200
    • Portrait shoots: $150

    Calculate your total monthly revenue to understand your average income and identify peak and low periods.

  2. Detail Your Expenses

    Next, list all your business expenses. Be thorough and include everything from rent and utilities to software subscriptions and marketing costs. Common expenses include:

    • Payroll (including your salary if you’re a solo entrepreneur)
    • Rent or office space costs
    • Utilities and internet
    • Advertising and marketing expenses
    • Taxes and business insurance
    • Office supplies and equipment

  3. Calculate Your Profit or Loss

    Subtract your total expenses from your total revenue to determine your profit or loss. This calculation will give you a clear picture of your financial health over a specific period, such as the last quarter or year.

  4. Adjust Your Budget as Needed

    If you’re not satisfied with your profit margin, consider adjusting your budget. Look for areas where you can cut costs, such as reducing unnecessary services or finding more affordable suppliers. Additionally, explore ways to increase revenue, like introducing new products or services or adjusting your pricing strategy.

  5. Establish an Emergency Fund

    As your business generates consistent profit, set aside funds for emergencies. Aim to save at least three months’ worth of essential expenses, such as payroll and rent. This emergency fund can be a lifeline during unexpected downturns or personal time off.

  6. Stick to Your Budget

    Finally, discipline is key. Stick to your budget and avoid unnecessary expenditures. While it’s important to reward yourself for hard work, be mindful of your spending to ensure long-term financial stability.

By creating and adhering to a business budget, you’ll gain control over your finances, make informed decisions, and set your business on a path to success. Remember, a budget is not just a financial tool; it’s a strategic guide to help you achieve your business goals.

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In Editor's Choice By

Highlights from the Fourth Cohort of the Women of Rubies Media Visibility Bootcamp

Women of Rubies has successfully hosted its 4th Media Visibility Bootcamp, a transformative two-day event designed to empower women with essential tools and strategies to enhance their visibility, build credibility, and achieve success in personal and professional spheres. This year’s Bootcamp was held during a milestone moment as Women of Rubies celebrated its 9th anniversary, marking nearly a decade of empowering women globally.

The event featured distinguished speakers, engaging panel discussions, and interactive networking sessions that inspired participants to harness the power of media to amplify their voices and achieve their goals.

Day 1 Highlights

The bootcamp opened with a powerful address from Hon. Charmaine Williams, Distinguished Guest of Honour, who emphasized the importance of visibility for women entrepreneurs and her unwavering commitment to supporting their access to vital resources.

Special Guest Patricia Bebia, leveraging over 20 years of media experience, delivered an inspiring talk on how visibility can transform opportunities for women, leaving participants motivated to take control of their narratives.

Notable sessions included:

  • Prudence Zoe Glorious on “Innovative Approaches to Public Relations: Building Transparency and Credibility,” providing actionable strategies for building trust.
  • Esther Ijewere, founder of Women of Rubies, presented “The Power of Wikipedia: Leveraging Open Knowledge for Women’s Visibility and Empowerment,” highlighting the platform’s role in amplifying women’s contributions.

The day’s Fireside Chat Panel featured insights from:

  • Heather McWilliam, founder of Brave Inspires Brave, on leveraging media for mental health advocacy.
  • Amaechi Omijeh, on successful social media campaigns driving small business growth.
  • Erica Ayisi, with practical steps for women of color to overcome systemic barriers.

Day 2 Highlights

Day 2 began with a keynote by Sabine Soumare, who presented the “2024 State of Women’s Entrepreneurship in Canada,” offering valuable insights into the current landscape.

Special Guest Councillor Colleen James spoke passionately about the representation of women in media and the importance of challenging misrepresentation.

The main session speakers were:

  • Kesiena Edafiogho on “Leveraging Media to Boost Career Visibility in the Digital Space”

Kesiena emphasized the power of personal branding and storytelling to stand out in the digital world. She provided practical tips on using social media platforms like LinkedIn and Instagram to connect with professional networks and boost career visibility.

  • Priscilla Iyari on “Effective Marketing Communication Strategies for Securing Funding”

Priscilla shared essential strategies for positioning brands to attract funding. She highlighted the importance of tailoring messaging, building trust, and crafting compelling proposals to secure grants and investments.

The final Fireside Chat brought actionable insights from:

Some Empowering Nuggets Shared During the Bootcamp

Throughout the event, speakers shared memorable and empowering nuggets:

 

Reflections from Esther Ijewere

Reflecting on the event’s success, Esther Ijewere shared:
“This year’s Bootcamp and our 9th anniversary symbolize the remarkable journey of Women of Rubies. Through this platform, we have empowered countless women to amplify their impact and visibility. I am deeply humbled by the inspiring women who joined us and proud of the milestones we have achieved together.”

Sponsors and Media Partners

The event was proudly supported by Myeki.market, and Chekwube Uchea, with BellaNaija, Naijapreneur Canada, and Guardian Nigeria as media partners.

Get the BootCamp replay here; womenofrubies.com/mvbc4

For more information about Women of Rubies and future events, visit www.womenofrubies.com.

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Chiamaka Diana Okafor
In Inspiration By

Chiamaka Diana Okafor: A Journey of Resilience, Culture, Culinary Excellence

Chiamaka Diana Okafor is a name synonymous with courage, innovation, and cultural celebration. As the owner of Regalz Kitchen and Bar, she has redefined the dining experience by blending authentic Nigerian cuisine with a vibrant atmosphere. Her story is one of determination and vision, making her a beacon of inspiration for entrepreneurs, food enthusiasts, and cultural advocates alike.

From Immigrant to Entrepreneur: Defying the Odds

Chiamaka’s journey began as a first-generation immigrant pursuing a master’s degree in Human Resource Management. While her academic pursuits were a challenge on their own, she took a bold step into entrepreneurship by launching a restaurant during the global pandemic—a time when many businesses were struggling to survive. Despite the odds, she turned Regalz Kitchen and Bar into a thriving establishment, proving her resilience and adaptability in the face of adversity.

A Culinary Destination Like No Other

Regalz Kitchen and Bar stands out for its unique approach to dining. The restaurant offers a diverse menu featuring Nigerian delicacies and North American favorites, catering to a wide range of palates. Beyond the food, it provides an immersive experience with music, décor, and service celebrating West African culture. For food enthusiasts and corporate clients looking for authentic flavors in a lively setting, Regalz is the ultimate destination.

Championing African Heritage Through ACMO

In addition to her culinary ventures, Chiamaka is deeply committed to promoting African culture. She founded the Afro Arts Culture and Masquerade Organization (ACMO), a non-profit organization dedicated to celebrating African arts and cultural expression. ACMO strengthens the bonds of African heritage in North America, providing a platform for local and international artists while fostering community pride.

Recognized for Excellence

Chiamaka’s dedication has earned her accolades, including the “Most Inspiring Personality” and the “Award of Excellence.” These honors reflect her ability to inspire others and excel in every endeavor she undertakes.

A Vision for the Future

Looking ahead, Chiamaka envisions building a fully integrated hospitality company that brings African food, music, and culture to North America and beyond. She is also working on Di-Chiamaka Farm, a project aligned with her mission to promote African heritage. Her ultimate goal is to empower women, support the Black community, and create businesses that celebrate African identity.

Inspiring Resilience and Adaptability

Chiamaka’s story is a powerful reminder of what can be achieved through perseverance and vision. Her ability to take calculated risks and adapt to a dynamic business environment sets her apart as a role model for aspiring entrepreneurs.

Experience Regalz Kitchen and Bar

Regalz Kitchen and Bar invites diners to immerse themselves in a world of rich flavors and vibrant culture. Whether you’re a food enthusiast or simply seeking a unique dining experience, Regalz offers a taste of African heritage like no other.

Chiamaka Diana Okafor is more than an entrepreneur—she is a cultural ambassador and an inspiration to all who dare to dream big. Her work continues to leave an indelible mark on the culinary world and beyond.

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African Heritage Centre
In Inspiration By

Marsha Bennett, Annette Salfarie, and Nene Judy Akintan: Pushing the Vision of the African Heritage Centre

The African Heritage Centre (AHC), a vision led by Michael Emeka Dibua and incorporated as a nonprofit in March 2023, represents a groundbreaking initiative to preserve, celebrate, and empower the heritage of African and Afro-Caribbean peoples. Designed to be a multi-purpose facility in Ontario, Canada, the Centre aims to become a global hub for cultural exchange, learning, and community development.

Three remarkable women—Marsha Bennett, Annette Salfarie, and Nene Judy Akintan—are playing pivotal roles in driving this vision forward, leveraging their expertise and passion to ensure the Centre becomes a beacon for unity and empowerment.

Marsha Bennett: Advocacy and Empowerment in Action

As Interim Public Relations Director of the AHC, Marsha Bennett is committed to amplifying its vision. With a background in healthcare and legal studies, Marsha brings years of experience in advocacy and community service. She founded BENNETT LEGAL, through which she continues to serve her community while preparing to begin law school this fall.

Marsha Benett - African Heritage Centre
Marsha Benett

Marsha believes the AHC is critical for reclaiming African narratives and challenging the myths and falsehoods surrounding people of African descent. “This Centre will not only celebrate our heritage but also inspire the next generation to build legacies rooted in truth, resilience, and unity,” she says.

Annette Salfarie: Leadership for Cultural Preservation

Annette Salfarie, a Special Advisor for the City of Toronto, brings her extensive leadership experience to the AHC. Formerly the President of the Toronto and Region Chapter of COMTO, the Conference of Minority Transportation Officials, Annette is known for her ability to foster meaningful connections and drive impactful initiatives.

African Heritage Centre

Her unwavering passion for preserving African and Caribbean roots aligns seamlessly with the AHC’s mission. “The African Heritage Centre will be a place where our shared history is celebrated, and our future generations are inspired to embrace and preserve their heritage,” Annette emphasizes.

Nene Judy Akintan: Mentorship and Community Building

Entrepreneur, author, and advocate Nene Judy Akintan contributes her multifaceted expertise to the Centre’s vision. With over 20 years of success in banking, entrepreneurship, and real estate, Nene’s leadership extends to her family nonprofit, I AM. I CAN. I WILL, which supports minority women and children.

Nene Akintan
Nene Akintan

Nene views the AHC as a transformative space for fostering understanding, collaboration, and appreciation for African excellence. “Our history, culture, and achievements deserve to be celebrated and shared with the world. The AHC will be a unifying force for our communities,” she affirms.

A Vision for the Future

Under the guidance of its visionary, Michael Emeka Dibua, and champions like Marsha Bennett, Annette Salfarie, Nene Akintan,  Theodore Njoh Koum, Gisele Libawo, Efuange Khumbah, Matthew Ogbulafor, and members of its existing committees, the African Heritage Centre is more than just a facility—it is a cultural citadel for present and future generations.  And will feature spaces like a digital museum, youth and vocational training hubs, performing arts studios, and recreational facilities, the AHC is designed to be a comprehensive resource for education, innovation, and celebration.

The Centre’s mission is clear: to preserve the stories of African people, dispel myths, and inspire collective growth. It is set to attract visitors worldwide, fostering deeper connections and appreciation for the rich tapestry of African heritage.

For more information about the African Heritage Centre and its initiatives, visit africanheritagecentre.org.

The African Heritage Centre is not just about remembering the past—it is about building a brighter, more unified future for all people of African descent. Together, we celebrate, challenge, and inspire.

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Efe Alasa
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Efe Alasa: Driving Business Growth with myEki

EFe Alasa is an entrepreneur, artist, and seasoned business consultant with over a decade of experience in crafting innovative solutions that drive business growth and value. As the Co-founder of myEKI, she leverages her expertise to bridge technology and local markets, creating impactful solutions that inspire change, foster prosperity, and elevate the quality of life. By blending technology with artistry, Efe delivers unique solutions that resonate with communities and industries alike. Outside of her professional achievements, she continues to pursue her passion for music, integrating creativity and innovation to make a lasting impact across various sectors.

Inspiration Behind myEKI

myEKI was born from a desire to connect local businesses and communities with the global opportunities technology can provide. I saw a gap in the e-commerce space for ONE platform that caters not only to large-scale sellers but also to Small and Medium-sized Businesses (SMBs) who may be local vendors, shippers, and riders. What makes myEKI stand out is its holistic approach—it’s not just a marketplace but an ecosystem that empowers SMB vendors (home-based or not) to reach global markets, provides opportunities for riders and shippers to support them, and offers a comprehensive directory for visibility to all myEKI consumers, regardless of where they are at. It’s about bridging gaps, building connections, and fostering economic growth at every level.

Leveraging Expertise as a Business Consultant

My background as a business consultant has been invaluable in shaping myEKI. It has given me the skills to identify market gaps, craft strategic roadmaps, and build solutions that align with user needs. Key milestones include launching the platform, unveiling its new look, and expanding its features to accommodate diverse users like our customers, vendors, riders, and shippers. We’ve also seen an increasing number of listings in our MEK Directory, showcasing our role in amplifying business visibility.

Empowering Women Entrepreneurs on myEKI

We actively encourage and support women entrepreneurs through targeted onboarding programs, offering them tools to manage their businesses effectively, and providing training resources to enhance their e-commerce skills. We plan to start a spotlight of their success stories to inspire others and build a community of empowered women on the platform come 2025. I also envision creating grants, mentorship programs, and exclusive networking opportunities to further support female entrepreneurs and help them scale their businesses globally.

Blending Artistry and Technology at myEKI

Artistry and technology share a common thread—creativity. My background as a gospel artist fuels my ability to think outside the box, craft compelling narratives, and build experiences that resonate emotionally with users. This perspective has shaped myEKI’s user-friendly design, our storytelling approach in marketing, and our efforts to create a visually appealing and engaging platform. Beyond myEKI, this blend allows me to inspire others to embrace innovation while staying connected to their unique creative potential.

Enhancing Storytelling Through the Women of Rubies Media Visibility Bootcamp

The Women of Rubies Media Visibility Bootcamp equipped me with tools to craft compelling narratives that resonate with diverse audiences. It helped me refine how I communicate myEKI’s mission and impact, ensuring our story inspires and attracts more users, partners, and investors. I’ve learned how to harness the power of media to amplify our voice and showcase myEKI’s transformative potential for businesses and communities.

Women Who Inspire Me

Sara Blakely: Founder of Spanx, Sara’s journey from door-to-door fax machine sales to building a billion-dollar brand exemplifies resilience and innovation. Her story inspires me to embrace unconventional ideas and persist through challenges.

Dija Ayodele: Founder of the Black Skin Directory, Dija’s work in advocating for diversity in the beauty industry and creating inclusive platforms resonates with my commitment to representation.

Jessica Anuna

Jessica Anuna: Jessica Anuna’s work with Klasha is more than just a business success; it is a movement. She represents the possibility of transforming an entire continent’s approach to global commerce through innovation, perseverance, and inclusion. Her story is a powerful example of how determination and creativity can create opportunities that uplift entire communities and inspire others to dream big

Each of these women demonstrates courage, determination, and the power of aligning purpose with impact. My focus is to support Africa’s local artisans and producers, showcase the richness of local resources, create economic opportunities for communities, prove profit and impact can go pari passu and exemplify how entrepreneurship can drive meaningful change that paves the way for a more ethical and innovative future.

Long-term vision for myEKI

My vision for myEKI is to make it the go-to platform for empowering local and global commerce. I see it as a hub where vendors can thrive, riders and shippers can earn sustainably, and communities can access diverse opportunities. To achieve this, we’ll continue to innovate, integrate advanced technologies, and expand our reach into underserved markets. Ultimately, myEKI will not just be a marketplace but a movement that bridges borders, fosters growth, and transforms lives.

Efe Alasa

Identifying Opportunities in Retail Tech

My strategy will be to combine market insights, customer-centric thinking, and data-driven analysis, to ensure that any new opportunity in perspective aligns with our strategic goals, solves real problems, and contributes to long-term growth. Retail tech is an ever-evolving space, and staying agile, curious, and innovative is key to thriving within it.

Staying Motivated Through Challenges

I stay motivated and resilient by focusing on my purpose and the bigger picture of why I started myEKI. Every setback is an opportunity to learn, adapt, and grow. myEKI was first launched in 2021, as EKI Market and renamed after the setback I experienced. I remind myself that failure is part of the journey and not a reflection of my worth, so I always focus on turning my ideas into solutions that resolve real issues. Surrounding myself with a supportive network, practicing self-care, and celebrating small wins also help me maintain perspective and keep moving forward with determination.

Advice for Aspiring Tech Entrepreneurs

Focus on solving real problems with innovative solutions, stay curious and adaptable, embrace setbacks as learning opportunities, use technology creatively, build a strong support network, and stay purpose-driven to create meaningful change. Dream big, start small, and stay relentless.

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