The PCC Journal

Latest articles

• Punjabi Chamber of Commerce Partners with The Tech Festival of Canada — The Punjabi Chamber of Commerce has partnered with The Tech Festival of Canada (Oct 26-27, Westin Harbour Castle, Toronto). Members get 25% off passes with cod…
• Count Again: Ontario's Job Posting Rules May Already Apply to You — Ontario's job posting rules apply at 25 employees, and the province counts part-timers, casuals and every location. Here's what a compliant ad needs, and the t…
• The Government-Backed Loan Most Owners Have Never Heard Of — A federal loan guarantee backed close to $1.9 billion in small business loans last year, mostly in hospitality and retail. Most eligible owners don't know it e…
• Your Team Is Already Using AI. Write the One-Page Rule Now. — Half of Canadian workers use AI at work, yet most businesses say they have no AI plans. Privacy law already covers that gap, and Ottawa wants to raise the stak…
• The Buyer Will Ask You for a Loan. Here's How to Say Yes Safely. — Selling a business? The buyer will likely ask you to finance part of the price. What a vendor take-back means, how the CRA reserve spreads the tax, and what to…
• Waiting on a General Contractor to Pay? Ontario Just Changed the Rules in Your Favour — Ontario amended the Construction Act on January 1, 2026. Invoices are now deemed proper after seven days, adjudication stays open 90 days after a job ends, and…
• The Family Works in the Business. Nobody's on Payroll. — Informal family pay built a lot of Punjabi-Canadian businesses. It also costs a deduction, a paper trail, and the next generation's five-year dividend clock. H…
• You Hire Through Your Network. The Next Generation Isn't In It. — Owners recruit through their networks. Young workers search job boards. The two barely overlap — and the hiring channel with the best track record comes with a…
• Punjabi Chamber of Commerce Signs MoU with Punjabi Trade Promotion Council to Build Canada–India Business Bridges — For the Punjabi Canadian community, the agreement carries particular significance. It formalizes a bridge between Punjabi enterprise in Canada and opportunity…
• The tariff relief rule most owners miss is in the footnote — BDC's eligibility table leads with a 15% U.S. export threshold, and most owners stop reading there. The footnote offers a second route: a documented 10% move i…
• The AI isn't the part that makes you productive — Statistics Canada found a 16.8% productivity premium for firms using AI. Once researchers controlled for data analytics, cloud and staff training, it fell to 5…
• Your Kids Don't Want the Business. Here's Who Might. — Most owners assume the exit plan is a family handoff. For a growing share, it isn't — and a new kind of buyer built for exactly that gap is starting to show up.
• The CRA Is Auditing Owner-Operators Again. Here's What Actually Protects You. — The CRA lifted its T4A penalty moratorium for trucking and Budget 2025 funded a standing enforcement program aimed at Driver Inc. But legitimate owner-operator…
• When Trust Isn't Enough: The Governance Lesson in the McCain Family Feud — Eleanor McCain's lawsuit against her own family — over an 8.72% stake in a $16-billion-a-year food empire — is a reminder that trust alone doesn't scale. Here'…
• The Most Overqualified Hire You'll Ever Make Is Already in Your Community — A third of Canada's newest immigrant professionals are working below what they trained for. For diaspora employers facing a labour crunch, that gap is the most…
• Ottawa Just Doubled Canada's Biggest R&D Incentive — and You Don't Need a Lab Coat to Claim It — Canada quietly doubled its biggest R&D incentive — up to $2.1M/year in refundable credits, equipment costs now count, and the CRA will pre-approve your project…
• Building the Infrastructure of Success: Why We’re a Technology-First Chamber — Most chambers of commerce are a logo, a luncheon, and a mailing list. We set out to build something structurally different — not another organization that host…
• The $2-Trillion Handover: Passing the Family Business On Without Losing It to the Tax Bill — A generation of founders is getting ready to step back. The owners who built the trucking yards and dispatch offices, the convenience chains and franchise stor…