Human Capital and Workforce Planning| Canada and the World

HUMAN CAPITAL
MANAGEMENT –
TRAINING AND SKILLS
DEVELOPMENT
BY: PAUL
YOUNG, CPA,
CGA
NOVEMBER 29,
2021

PAUL YOUNG - BIO
• CPA, CGA (1996)
• Academia (PF1, FA4, FN2, MU1. and MS2)
• SME – Customer Success Management
• SME – Risk Management
• SME – Close, Consolidate and Reporting
• SME – Public Policy
• SME – Emerging Technology
• SME – Business Process Change
• SME – Financial Solutions
• SME – Macro/Micro Indicators
• SME – Supply Chain Management
• SME – Data, AI, Security, and Platform
• SME – Internal Controls and Auditing
Contact information email: Paul_Young_CGA@hotmail.com
LinkedIn: https://www.linkedin.com/in/paul-young-055632b/
SlideShare - https://www.slideshare.net/paulyoungcga
Twitter: https://twitter.com/paulyoungcpa
Youtube - https://www.youtube.com/user/youngercga1968/videos

HUMAN CAPITAL MANAGEMENT
For companies and government to be successful
means they need to look at hard at their policies
and programs to support development of their
employees.
Government needs to adjust their workplace model
to the digital economy
Government policies like hikes to small business tax
and/or elimination of tax credits are making Canada
less competitive when it comes to attracting brain
power.

AGENDA
 What is Skills GAP?
 Skills GAP and Productivity
 Government Training Programs
 Issues facing Skills Development and Training
 Hamilton, Ontario
 Other resources
 Blog – Career Management
 Blog – Soft Skills
 Blog – Online Education
 Blog - Job Vacancies
 Partnerships
 Top Educational cities
 Digital Economy
 Post-COVID19
 Automation
 Quality Control/Forklift Operators
 United States
 80% of Manufacturers face a skill shortage
 Workforce Planning

SKILLS
MANAGEMEN
T
 The role of government is defined the
educational programs required to support the
economy. Too many govts across Canada have
pushed programs that do not provide
meaningful employment
 The world continues to change as such
governments need to address all their policies
that support economic growth
 Immigration should not be based on quota, but
align where there voids in employment not filled
by educational programs
 Canada needs to become more competitive
through reducing its reforming areas like
taxation, regulations, trade/fipa deals and hydro
rates.
 All levels of government and the private sector
need to fixed the education systems to ensure
people have skills for today and tomorrow
 It is not one policy that supports human capital
management but many policies

WHAT IS SKILL GAP?
The ‘skills gap’ is the phrase used to
the difference between the skills that
employers want, as shown by their job
advertisements, and those that are
from workers looking for a job.
Source -
http://www.skillsyouneed.com/general/skills-
gap.html

SKILL GAP AND
PRODUCTIVITY
United States:
 Roughly 200 million adults in the U.S. today make up the "digital workforce," where
productivity requires skills using a number of digital platforms.
 Amazingly, only one out of ten workers from this group rate themselves as proficient with the
digital tools they use, according to video training company Grovo.
 This skills gap costs the U.S economy a whopping $1.3 trillion every year, and comes at a time when
productivity growth is already down over historical periods. For example, the Wall Street
Journal reports that the average U.S. worker's output has risen just 1.3 percent per year during the
past five years, well below the 2.3 percent figure during the 20 years leading up to the economic
crisis.
 The infographic below from Grovo outlines the cost of the digital skills gap and which skills are
essential for the 21st century workforce.
Canada
 Canadian businesses, particularly small and medium sized ones, are falling behind in adopting new
technologies, mainly because they can’t find the people they would need to implement the changes,
the report says. And that could have negative consequences. “If Canada does not address the talent
and skills gap, it could cost the economy billions of dollars in lost productivity, tax revenues, and
gross domestic product,” the report states.
 Out of 527,000 students who graduated in Canada in 2015, only 6 per cent — 29,000 — graduated
from an IT field, the report found. Canada would have to graduate around 43,000 IT students per
year to keep up with job growth.
Source - http://www.inc.com/graham-winfrey/how-the-digital-skills-gap-is-crippling-productivity.html
and http://www.huffingtonpost.ca/2016/03/12/it-jobs-skills-shortage-canada_n_9440872.html

BABY BOOMERS RETIRING AND SKILLS GAP
 Source - http://www.canadianmanufacturing.com/manufacturing/report-retiring-boomers-creating-a-
skills-shortage-193269/
This is according to a new Conference Board of Canada report, Workforce
Planning Practices in Canada, which says that more than half of Canadian
organizations are having difficulties finding workers with critical skills.
The report says that in 2005, it took an average of 40 days to fill vacancies
in the technical and skilled trades. This number has now jumped to 60
days. Likewise, the average cost to fill vacancies in the technical and
skilled trades was $3,000 in 2005, compared to $5,000 in 2016.

IMMIGRATION
Source - http://www.cbc.ca/news/politics/immigration-canada-2018-1.4371146 or http://www5.statcan.gc.ca/cansim/a26?lang=eng&id=2850001 or https://www.statcan.gc.ca/daily-quotidien/151130/dq151130d-
eng.htm
How Best to Support Current and Future Labor Markets through better Post-Secondary and Immigration Programs -
https://www.linkedin.com/pulse/how-best-support-current-future-labor-markets-through-paul-young/?published=t
I have all the years written many blogs and presentation on the issues facing the labor market in Canada and around
the world. Many decisions by all levels of government have failed address areas like skills gaps or advance
manufacturing or development of natural resources in a sustainable way or tax reforms or effective urban planning
or supporting of remote communities or building of resilient supply chain or fair trade and investment deals with
countries around the world or affordable housing
My presentation talks how to develop policies as part of increasing quality of employment opportunities in your
local geographies.
The world needs to stop throwing money at symptoms related to labor market and start addressing root causes when
it comes to building a resilient labor market that inclusive for everyone.
Source - https://www.slideshare.net/paulyoungcga/how-best-to-support-current-and-future-labor-markets-through-
better-postsecondary-and-immigration-programs

JOB VACANCIES
Source – CIBC and Stats Canada

BLOG – JOB CRISIS – CANADA
Employment increases in a number of industries, including retail trade, were offset by declines elsewhere,
including in accommodation and food services
Blog – Employment – Canada – October 2021 - https://www.slideshare.net/paulyoungcga/employment-and-labour-market-canada-october-2021

REFUGEE'S
COST
 Canada is forecasted to receiving 40,000
refugees through the illegal border crossing
into Canada. The cost of to house, feed, cloth,
medical, etc. will be between $600M to $1B.
https://openparliament.ca/debates/2017/9/2
6/michelle-rempel-2/. The response from the
government has been at best lukewarm. Here
is what the immigration minister said “The
member opposite must know that asylum
claims fluctuate on a yearly basis and
sometimes even monthly. The fact of the
matter is that our agencies were nimble
enough. We were able to put full capacity
within IRCC to process claims.
 Yet the government thinks closing the
borders is not priority, but taxing small
business is in terms of policies is top priority,
right?
https://ipolitics.ca/2017/09/28/morneaus-tax-
plan-should-have-been-political-gold-what-
happened/

OCTOBER 2021 - EMPLOYMENT
Source – Stats Canada

SKILLS GAP / BDC
Source - https://www.canadianmanufacturing.com/manufacturing/labour-shortage-is-the-new-norm-that-will-last-a-decade-bdc-
economist-says-218872/
The BDC’s survey of 1,208
people from small and
medium-sized businesses,
with at least $500,000 in
annual sales, found 39 per
cent of them were having
difficulties hiring the types
of new workers they
required.
d
Labour Market
• Canadian economy is only creating 217K new jobs per year
• There are over 400K job vacancies
• The post-secondary graduates are 500K per year
• The government plans to bring in new immigrants of about
300K per year
What needs to be done
• Canada needs a strategy that better aligns both immigration and graduates
with skills need for today and tomorrow
• Canada also needs to refine is policies to encourage economic growth
• Since Liberals took office there are less people working in goods producing
sector as % total employment. Liberal policies have driven out over $100B
investment.
• Skill trades certification process needs to be reviewed. Ontario needs to
eliminate the skill trade agency.
• Canada has strain relations with many countries of the world due to Liberal
agenda. Canada depends on exports. Exports could be 25% higher if Canada
had better trade deals
• Immigration should not be based on quota, but align with gaps in
employment
• Private sector needs to be part of solution and not excluded when it comes
to supporting programs that reduce skill gaps

FAILURE OF THE COLLEGE OF TRADES – ONTARIO
 The college of trades & skills was a
disaster -
https://www.northernontariobusiness.com/indus
try-news/government/auditor-finds-shortfalls-
in-apprenticeship-system-365358 or
https://canada.constructconnect.com/dcn/news/l
abour/2020/11/industry-perspectives-op-ed-
ocot-too-broken-to-be-salvaged
 There needs to be a new governance model
-
https://www.slideshare.net/paulyoungcga/how-
to-fix-the-goverance-model-for-the-public-
sector-government
 I have written many blogs on training -
https://www.linkedin.com/pulse/blog-creating-
pathways-tomorrows-workforce-today-paul-
young/?published=t
 These problems also go back to Liberals!

TEACHING YOUTH TO CODE
 http://techportfolio.net/2017/05/closing-canadas-tech-skills-gap-teach-youth-to-code/
220,000 workers needed: That’s how vast Canada’s tech skills gap could
be by 2020, according to Canadian government and industry experts.
If that gap isn’t closed, many tech companies will be forced to look for
opportunities outside the country, Waveform CEO Kirk Simpson
recently told CBC News.
“If we can find the talent somewhere else, we might open a second
location in the U.S. market or in a European market,” he said. “And those
jobs will not go to Canadians.”

FEDERAL BUDGET 2017-2018
 Source – Government of Canada
Issues
• Provinces have policies for apprenticeship that will require modification to support more applicants
• Universities would have to increase classroom space and equipment to support more enrollment in areas like
engineering, math, sciences, IT
• STDC already exist in terms of seed financing. The problem is more money for innovation is that many deals
require bare minimum of $5 to $10M so that would be like 60 deals a year
• There are already innovation funds that both companies and universities/college leverage
• Startup take time to move ideas from incubation to market. FYI – Canada had already been moving to
advance manufacturing, expert farming, clean technology, 3-D printing, Information technology.

BLOG – SKILLS TRADE
Source -
https://www.canadi
anmanufacturing.c
om/manufacturing
/economic-
advisers-push-
ottawa-focus-
business-
investment-job-re-
skilling-205533/
“The overarching
goal of the
influential Advisory
Council on
Economic Growth
is to help Canadian
households add an
extra $15,000 to
their projected
annual pre-tax
incomes by 2030.
In its third wave of
recommendations,
to be released later
this week, the
council says
Canada urgently
needs another $15
billion in annual
investments for
adult skills
development to
help workers
adjust to the
demands of the
The group
recommends the
creation of an
RRSP-type lifelong
learning fund that
enables workers to
accumulate tax-
free savings,
combined with
contributions from
employers and
government, in
order to cover the
cost of developing
Canada already has
educational
programs -
https://www.slides
hare.net/paulyoun
gcga/government-
policies-education-
skills-
development-
canada-november-
2017
Canada needs to
revamp its post
secondary model
to better align
skills to jobs of
today and
tomorrow -
https://www.inc.co
m/business-
insider/21-new-
jobs-future-
robots-
automation.html
Job Retraining
programs -The
federal
government
provides funding
for post-secondary
education via CST
Transfers – All job
training programs
should be
reviewed to ensure
money is achieving
the outcomes
https://www.canad
Primary and
secondary school
programs need to
be revamp to
ensure students
are pushed to jobs
of the future -
https://www.slides
hare.net/paulyoun
gcga/2017-career-
management-
outlook-on-jobs-
canada-and-
united-states

HAMILTON, ONTARIO – SKILL TRADES
• The body shop owner said it best “We
need skill labor”
• Wynne has failed the skill trades
• The guy also said it was a photo op
• This is how Wynne confronts the
issues in Hamilton by pushing her
Guarantee Income Program -
http://www.cbc.ca/news/canada/hamil
ton/wynne-announcement-hamilton-
1.4082476

SKILL GAP RANKING
Source - https://www.weforum.org/agenda/2017/09/these-are-the-ten-best-countries-for-skill-and-education/ or http://reports.weforum.org/global-human-capital-report-
2017/ or https://eiuperspectives.economist.com/talent-education/finland-leads-second-year-globally-providing-future-skills-education-youth-according-2019-worldwide
2015 Ranking 2020 Ranking
2015 Canada was ranked 4th when it comes to
managing of human capital as compare to 5th
in 2020

BLOG – CAREER MANAGEMENT
 https://www.cbc.ca/news/canada/toronto/ontario-colleges-university-performance-funding-budget-
1.5094751
 The Ontario govt new approach to funding is the right approach which is tie it to outcome. Too many
schools pushed out graduates with degrees that have little value.
https://www.slideshare.net/paulyoungcga/2019-and-beyond-career-management or
https://educationnewscanada.com/article/education/category/economy/96/761451/colleges-applaud-
ontario-budget-commitment-to-modernize-apprenticeship-training.html

BLOG – SOFT
SKILLS
SOURCE -
HTTPS://WWW.THEBALANCECA
REERS.COM/HUMAN-
RESOURCES-SKILLS-LIST-
2063754

ONLINE EDUCATION
Source - https://www.tonybates.ca/2018/12/20/summary-of-the-2018-survey-of-online-learning-in-canadian-colleges-and-
universities/
• Business world has been moving to online education/seminars -
https://www.forbes.com/sites/tjmccue/2018/07/31/e-learning-climbing-to-325-billion-by-2025-
uf-canvas-absorb-schoology-moodle/#1976498f3b39 (US Stats, but still relevant as Canada has
been adopting eLearning courses as well.
• Universities and Colleges have been offering eLearning for years -
https://www.tonybates.ca/2018/12/20/summary-of-the-2018-survey-of-online-learning-in-
canadian-colleges-and-universities/ (2/3 of colleges and universities offer eLearning
• Highschool kids need to learn how to do eLearning. eLearning is growing in size as part of
controlling educational costs as well as offering more options to students in terms of courses

GOVERNMENT
POLICIES /
ISSUES
 Trade and FIPA
 CETA new deal
 Government is working on deals with other growth markets like China,
India and Africa.
 Clean Technology
 Access to raw materials (Lithium, Vanadium, Rare Metals)
 Skill set in areas like metallurgy or sciences or math
 Partnership with large companies
 Advance Manufacturing
 Requires competitive tax rates (Payroll Taxes, Corporate Taxes, R&D credits,
etc.)
 Access to new markets
 Streamlining of regulations
 Canada lacks the capacity to increase exports
 Ports/rail/roads/Bridges
 Pipelines

DIGITAL ECONOMY
Source - https://www.canadianmanufacturing.com/financing/digital-economy-is-real-but-skills-policy-sketchy-on-future-jobs-
236593/
But what comes through in the documents is that although
federal officials have grappled for years with how to limit
the disruption to workers’ lives in the transition to a more
digital economy, just what Canada might do is still a little
fuzzy.
This is also despite the fact the Liberals’ pre-election budget
put aside more than $1.7 billion over five years to create a
tax credit and pay for dedicated time off for workers to take
skills-training programs, starting next year.
The lack of detail isn’t surprising to Sean Hinton, chief
executive of SkyHive, a B.C.-based company that uses
artificial intelligence to identify just what skills workers need
for different jobs – which aren’t always what employers or
employees think they are.
Governments keep thinking in terms of what jobs will be
automated and which ones will be short of workers, which
creates a disconnect in crafting skills-training programs,
Hinton said.
Source -
https://www.marketsandmarkets.com/PressReleases/digita
l-transformation.asp or
https://www.slideshare.net/paulyoungcga/technology-
whats-next-for-canada

BRAIN DRAIN
 I cannot believe the rhetoric going around about the vibrant IT sector –
 https://www.cbc.ca/news/canada/kitchener-waterloo/prime-minister-
trudeau-kitchener-tech-hub-announcement-
1.5099705?fbclid=IwAR1tGzcvzzdu0ywPk9Qv2XS59At4aMGafy91XAq2xZn_FI
q_VQeUAtU4LMw
 Brain Drain -
https://www.theglobeandmail.com/business/technology/article-canada-
facing-brain-drain-as-young-tech-talent-leaves-for-silicon/ or
https://www.slideshare.net/paulyoungcga/2019-election-technology-
sector-canada-may-2019
 Canadian Technology community not happy with small business tax
reforms - https://globalnews.ca/news/3741638/canadian-tech-ottawa-
trudeau-small-business-taxes/
 There needs to be better alignment of education with jobs of today and
tomorrow - https://www.slideshare.net/paulyoungcga/skills-gap-
education-and-training-canada-march-2019
 Canada continues to see a brain drain - https://thelogic.co/news/silicon-
valleys-ties-to-canada-are-growing-despite-tensions-between-ottawa-
and-washington-report-says/
 High cost of living in cities like Toronto and Vancouver could see people
moving to cheaper locations - https://www.newinhomes.com/blog/is-
toronto-at-risk-of-a-brain-drain-to-montreal


TOP EDUCATION CITIES
Source - https://www.industryweek.com/talent/10-most-educated-cities-world/gallery?slide=10 or Source - http://cities-research.jll.com/cities-research/innovation-geographies
1. London, UK
2. Oslo, Norway
3. Tel Aviv, Israel
4. Zurich, Switzerland
5. Helsinki, Finland
6. Edinburgh, Scotland
7. Stockholm, Sweden
8. San Jose, CA, USA
9. Washington, DC, USA
10. Melbourne, Australia
• Trudeau said in past that Canada should be know for its people, right? So, how come major cities like
Vancouver, Calgary, Quebec, Montreal, Edmonton, Halifax, Winnipeg, etc. are not on the list
• Liberals policies have not help support the technological sector or there would be higher ranking of
cities, especially Kitchener-Waterloo and Hamilton - https://www.slideshare.net/paulyoungcga/2019-
election-information-technology-canada-august-2019

BLOG – 2019
ELECTION /
TECHNOLOGY
@justintrudeau who policies are leading to a brain drain
-
https://www.theglobeandmail.com/business/technology/
article-canada-facing-brain-drain-as-young-tech-talent-
leaves-for-silicon/
@andrewscheer who believes in reducing personal
income taxation -
https://www.youtube.com/watch?v=3QsoHVqLpvc
Who do you trust more to support Information
Technology?
Source - https://www.slideshare.net/paulyoungcga/2019-
election-information-technology-canada-august-2019

PARTNERSHIPS / EDUCATION
Source - https://www.canadianmanufacturing.com/technology/ryerson-university-organizations-launch-
cybersecurity-accelerator-245719/

POST-COVID
 More focus on identifying key products and resources as strategic -
https://www.slideshare.net/paulyoungcga/how-best-to-reshore-supply-chains - Educational programs
and tax incentives need to support people that have loss their job into areas of high growth
 COVID19 will see transformation of retail, hospitality and government -
https://www.slideshare.net/paulyoungcga/whats-next-for-canada-post-covid19
 More emphasis on supporting the broadband expansion -
https://www.slideshare.net/paulyoungcga/whats-next-for-5g-networks
 More emphasis on tax fairness and value for money when it comes to government programs and income
inequality - https://www.slideshare.net/paulyoungcga/how-do-you-address-and-fix-income-inequality

AUTOMATION
Source – Stats Canada

ROBOTIC / QUALITY CONTROL
Source - https://www.industryweek.com/technology-and-iiot/article/21137632/new-robotic-employees-quality-control-inspector-and-forklift-
driver?utm_source=IY+IW+Daily+Headlines+-
+Morning&utm_medium=email&utm_campaign=CPS200723076&o_eid=7930I4506489J2B&rdx.ident%5Bpull%5D=omeda%7C7930I4506489J2B&oly_enc_id=7930I4506489J2B
The evolution of the robot employee is continuing. And it's happening at a faster pace than was
expected.
On July 27, MusashiAI, a joint venture between SixAI Ltd. of Israel and Musashi Seimitsu of Japan (a
Honda Motor Corp. affiliate) announced that it’s now selling an autonomous visual quality control
inspector and an autonomous forklift driver.
Trials of the technology began in December 2019 in Musashi Seimitsu’s factory. The quality control
inspector was testing for the ability to find surface defects and the autonomous forklift driver robot
was coupled with an autonomous fleet management system to perform tasks.

UNITED STATES AND SKILLS DEVELOPMENT
https://www.industryweek.com/talent/article/21144591/fanuc-america-rockwell-automation-others-recognized-for-
apprenticeship-programs?utm_source=IY+IW+Daily+Headlines+-
+Morning&utm_medium=email&utm_campaign=CPS201012071&o_eid=7930I4506489J2B&rdx.ident%5Bpull%5D=omeda
%7C7930I4506489J2B&oly_enc_id=7930I4506489J2B
“The apprenticeship program has been an important part of the White House's workforce strategy. According to the DOL
since Jan. 1, 2017, over 800,000 individuals have found employment through an apprenticeship program.”
• Universities only project to provide about 30% of the STEM graduates needed for the workforce -
https://www.idtech.com/blog/stem-education-statistics
• Skills mismatched - https://nationalskillscoalition.org/state-policy/fact-sheets
• Fixing the skills gaps issues - https://www.nationalmemo.com/what-can-we-do-about-americas-skilled-
labor-shortage
• What’s next for the next President - https://www.marketwatch.com/story/expanding-apprenticeships-
critical-to-trumps-or-bidens-success-11597954318

WORLD AND JOB QUALITY
 Pandemic showed many countries had issues with key parts of their supply management. Many areas of
supply management had been outsourced to other countries - https://hbr.org/2020/09/global-supply-
chains-in-a-post-pandemic-world
 WHO has come out and said the lockdown was not effective. https://www.abc.net.au/news/2020-10-
12/world-health-organization-coronavirus-lockdown-advice/12753688. There was a need to do
something to ensure healthcare system was protected. Healthcare needs to be reformed around the
globe - https://www.slideshare.net/paulyoungcga/how-does-the-world-transform-healthcare-
238832381
 World needs to reform organization likes WTO as part of fixing issues with trade policies around the
globe - https://www.slideshare.net/paulyoungcga/2019-election-global-trade-barriers-and-protection-
wto-canada-september-2019
 Any social programs like UBI need to be targeted as part of job retraining.
https://observerxtra.com/2020/09/10/when-we-get-back-to-work-a-skills-gap-needs-to-be-bridged/
 GDP will rebound but there are risks - https://www.weforum.org/agenda/2020/09/oecd-global-gdp-pre-
pandemic-level-2021-sustainable-resilient/ - What’s next for the Global Economy -

80% OF MANUFACTURES HAVE SKILLS GAP ISSUES
TORONTO — 80% of Canadian manufacturers surveyed in a new report are facing an immediate labour and skills shortage that was made worse by the
COVID-19 pandemic.
A Canadian Manufacturers and Exporters survey of 563 companies across 19 sectors released Dec. 1 found the need for skilled labourers has been
growing rapidly for years, but COVID-19 government relief, health concerns and family responsibilities are making the situation even more troublesome.
“Our skills gap that existed before the pandemic was just exacerbated by the pandemic and we need to make sure that everybody is working toward
getting that next generation of workers in the sector,” said Dennis Darby, president of the CME.
His organization, which represents more than 2,500 companies across the country, said 70% of manufacturers had a shortage of labour and skills in 2018,
up from 40% in 2016.
Source - https://www.canadianmanufacturing.com/manufacturing/eight-in-10-canadian-manufacturers-face-skills-shortage-report-264553/
Here is my work
 Career Management - https://www2.slideshare.net/paulyoungcga/2021-and-beyond-career-management-canada-and-the-united-states-november-
2020
 Skills and Training - https://www2.slideshare.net/paulyoungcga/how-best-to-manage-skills-and-education-for-the-world

DIGITAL SKILLS
Top 10 Digital Skills
1. Social Media
2. Search Engine Marketing
3. Analytics
4. Content Marketing
5. Email
6. Mobile
7. Strategy and Planning
8. Social Selling
9. Pay-per-click-marketing
10. Video
Source -
https://digitalmarketinginstitute.com
/blog/10-digital-skills-that-can-make-
students-instantly-employable
Blog – Robot Growth expanded in the 1Q21 – Automation
Robot orders jumped 20 per cent in North America in the first
quarter of 2021 over the same period in 2020, says a new report
from the Association for Advancing Automation (A3).
There were spikes in orders from companies in metals (up 86
per cent), life sciences/pharmaceutical/biomed (up 72 per cent),
food and consumer goods (up 32 per cent), and other non-
automotive industries (12 per cent)
Link - https://www.linkedin.com/pulse/blog-robotic-purchases-
expanded-1q21-automation-paul-young/?published=t

VACCINATION PROGRAMS
 Workplace Insurance - https://stlawyers.ca/blog-news/how-to-respond-boss-pressures-you-covid-19-
vaccine/
 Life Insurance Policies - https://fortune.com/2021/07/23/covid-unvaccinated-life-insurance/
 Vaccines - https://news.yahoo.com/refuse-vaccine-might-hit-expensive-080017749.html
 Here is my work on insurance - https://www.linkedin.com/posts/paul-young-055632b_how-do-you-insure-
yourself-against-climate-activity-6823919255478792192-Zq7f

OTHER SOURCES
 If you like to learn more
about trade and/or other
subjects as part of your
professional learning and
development then feel
free to review my material
on
https://www.udemy.com/
(search Paul Young CPA
CGA

WHAT’S REQUIRED
More emphasis on trades
Education needs to push
people into math, sciences,
trades and IT fields
All level governments need
to stopped finding ways to
tax people. The emphasis on
government should be value
for money
All levels of governments
and the private sector need
to work together on
integrated strategy to ensure
people are prepared for jobs
of today and tomorrow
Ontario needs to eliminate
the skill trades college
Immigration should not be
based on a quota but tied to
economic growth.
All levels of government
need to streamline their
regulations. Canada needs
to be come more
competitive -
https://www.slideshare.net/p
aulyoungcga/2019-election-
canada-competitivenes-
september-2019
Federal and Provincial
government need to refine
their rural and indigenous
affairs -
rural-areas-and-affairs-
canada or
indigenous-affairs-canada

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