Business
A Stroke Of Bad Luck Turning Into Profit: How Ivan Tapia Turned His Unemployment Around To Make Millions In The MLM Business
If you somehow have yet to hear of Ivan and Monika Tapia, you are in for one inspirational story. The two entrepreneurs are a classic encapsulation of the American dream, and a continually driven power couple to boot. It is rare to hear of a “started from the bottom” story these days, but that is what makes them so special. The inspirational essence of their story is not lost on Ivan and Monika, and they reflect on the roots of their success every day as they strive to achieve their main goal: helping others succeed.
Ivan was born in Tijuana, Mexico and grew up with the dream of becoming a professional baseball player. He was quite a prospect, obtaining a temporary visa in order to study and play baseball at Southwestern College in San Diego, California. As fate would have it, he soon injured his shoulder and was unable to ever regain the playing ability he had enjoyed prior to the incident. This would be just one of the many problems Ivan would face before achieving his gradual rise to success.
Ivan finished receiving his degree in civil engineering at San Diego State University, all the while showcasing his incredible work ethic by holding down multiple jobs and internships, and soon after found a career with a small engineering firm.
Unfortunately for Ivan and his wife, the financial crisis of 2008 abruptly sent them careening off course into poverty and debt. Ivan was let go from his job just before the couple could celebrate their first anniversary. The competition in his field and his relative lack of experience resulted in a lengthy stint of unemployment and struggle. Ivan and Monika lost their house, their car, and any positive credit history they had established. Their life was in ruins. As if the stress levels weren’t high enough, the couple moved back to Tijuana only to discover that Monika was pregnant with their first child. The desperate situation incensed Ivan to come to realize he must focus his efforts on becoming 100% self sufficient and self employed.
At this point, Ivan was merely dabbling in a multi-level marketing endeavor, making a worrisome $500 a month and barely able to afford his small house in Tijuana. Truly committed to one another, the couple held tight and gritted their teeth for years as Ivan slowly began to establish more consistent employment, while always developing his entrepreneurial goals on the side. In 2011, Ivan finally began making significant income through his MLM enterprise. By spending every waking hour outside his full time job focusing on his goals, he was exponentially increasing his income through his own efforts. By 2012 he “fired his boss” and has not worked beneath anyone since. The rocky road that Ivan and Monika traversed to achieve the level of success they enjoy has forever grounded them, and shaped their ultimate goal: to help a billion people.
His focus is training and developing people in the realms of leadership, personal development, finances, and communication. “When I train people my focus is to be a bridge and help them to go from where they are, to where they want to go.” He explains. When asked for his top tips for readers looking to achieve the success he has realized, one of the main pieces of advice he offered was this: find a coach and a mentor.
“Who are you listening to? You need a mentor in the industry where you desire to be successful. There are two ways of learning in life, by mentors and their experience, or by your own experience only. It will be less painful to learn from mentors, as it’s wisdom you’re obtaining from somebody else’s experience.”
Ivan muses. Both he and his wife have sincerely shifted their focus from pulling themselves from the deep rut in which they were cast 12 years ago, and set their sites on making sure that those with a similar drive and passion for hard work and persistence need not go to such incredible lengths as them to also enjoy a piece of the American dream.
Instagram : https://instagram.com/ivantapiav
Business
Why Multi-Province Payroll Compliance Is the Hidden Challenge Canadian SMBs Face and How Folks Solves It
Byline: Shem Albert
Running payroll in Canada can feel like crossing a country stitched from many different fabrics. Each province weaves its own pattern of tax rules, leave policies, and benefit requirements, creating a landscape where a single misstep can ripple through every paycheck. For small and mid-sized businesses, the challenge often remains hidden until growth pushes hiring beyond provincial borders or brings remote workers into the fold. What seems like a routine back-office task quickly becomes a test of accuracy, timing, and local knowledge. This is the gap that Folks set out to close, offering a way for employers to navigate Canada’s regulatory patchwork without slowing their momentum.
Provincial Rules Add Complexity
Canada’s payroll environment varies sharply by province. Federal rules set the foundation, but provincial tax rates, deductions, statutory leave entitlements, and benefit premiums add layers of complexity that employers must monitor carefully. Small and mid-sized businesses with staff across provinces or remote employees face different tax tables, reporting deadlines, and leave calculations that directly affect pay accuracy and remittance schedules.
Folks built its payroll module to address these differences. The platform calculates the correct provincial tax rates and deductions for each employee, applying updates automatically so employers avoid misapplied withholdings or late filings. Multi-location tax management allows a company with workers in Ontario, Quebec, or several other provinces to process payroll without creating separate accounts for each jurisdiction. Bilingual functionality in English and French and secure Canadian data hosting support compliance while keeping employee records accessible across language and regional boundaries.
Unified Records Improve Accuracy
Payroll errors often stem from mismatched employee data. Changes in pay rates, banking details, or benefits eligibility may not align between HR and finance systems, creating incorrect deductions or delayed payments. Smaller teams juggling separate platforms spend valuable hours reconciling information instead of focusing on strategic work.
Folks resolves these issues by combining HR and payroll in one platform. Updates to wages, hours, or tax information entered on the HR side flow directly into payroll without re-entry. This single, verified record strengthens the accuracy of every payroll run and ensures employees receive the correct pay and deductions. By removing the need for repetitive administrative work, HR staff can redirect their time to tasks that support growth and employee engagement.
Automation Keeps Provinces in Step
Each province sets its own requirements for holiday pay, pay frequency, and statutory benefits, making manual calculations both time-consuming and error-prone. Businesses that expand or hire remote employees must keep pace with shifting provincial regulations or risk penalties and audit issues.
Folks address these demands with automation designed for Canada’s regulatory landscape. Pay statements, deduction calculations, and custom pay schedules follow the applicable provincial rules without extra configuration. The system’s automated updates mean that a company hiring staff in British Columbia or Quebec can meet local payroll standards without adding new layers of setup or monitoring. Employers gain the ability to expand into new regions while maintaining accurate, on-time pay.
Reporting Strengthens Compliance
Changing tax rates and reporting requirements require ongoing attention from HR and finance teams. Companies that rely on disconnected systems risk missing a provincial update or submitting incorrect remittances, which can lead to fines and interest charges.
Folks provides detailed reporting tools that compile payroll, deductions, and benefits information across all locations. Employers can generate clear remittance and deduction summaries, simplifying the process of meeting provincial filing requirements. For organizations that want additional guidance, Folks also offers a payroll management service that brings in-house specialists to assist with configuration, compliance, and regular updates. These reporting features help companies stay audit-ready and avoid costly compliance gaps.
Scalable Payroll for Expanding Businesses
Many small businesses begin in a single province, where local tax and payroll demands can be learned over time. Growth into new provinces or the decision to hire remote staff adds a level of complexity that manual processes cannot handle efficiently. Errors multiply, compliance risks rise, and payroll teams spend more time correcting mistakes than supporting expansion plans.
Folks provides payroll that scales with company growth. Provincial tax logic, automated deductions, bilingual support, and secure Canadian data storage are built directly into the platform. By maintaining an accurate employee record and applying province-specific rules automatically, the system allows Canadian SMBs to expand with fewer administrative surprises and more predictable payroll operations. Companies gain the stability of compliant payroll across provinces while controlling the time and costs that typically accompany multi-jurisdiction growth.
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