Business
The Financial Crisis and Hardship Could Not Hold Her Back: How Entrepreneur Monika Tapia Overcame All Odds
If you have not yet to heard 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 powerful. The inspirational essence of their tale 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 the less fortunate achieve the position they have worked so hard to obtain.
The words that Monika Tapia lives her life by are these: “Success is not a destiny or a place you arrive, it is a way of life.” Upon realizing the trials and hardships that she and her husband faced, this wisdom rings all the more true. Monika stood by her husband as he struggled to navigate the torturous waves set forth by the 2008 financial crisis. Ivan lost his career at an engineering firm the week before the couple was to celebrate their first wedding anniversary. With fierce competition in his field and a countrywide economic downturn to contend with, he soon could not afford their debts, and the two had no choice but to move back to his hometown of Tijuana, Mexico. Soon after, Monika discovered that she was pregnant. It was a bittersweet moment that highlighted their life’s theme of beauty among struggle. Through all the turbulent times, they remained vigilant and stood by one another, a true testament to success as a way of life. For Monika, it’s not how hard you fall, it’s how many times you get back up.
“There will be many obstacles in your growth such as lack of clarity, not knowing where to start, lack of discipline. It costs a lot of money, loneliness and lack of support, but to move forward you need to want to win.” She declares. Upon finally obtaining employment, Ivan worked tirelessly to hold down a steady job while developing his own multi-level marketing business. In spite of family members questioning Monika’s involvement with a man who could barely afford their small house in Tijuana, even encouraging her to leave him at times, she saw his true potential. Over the course of a few years of incredibly hard work and long hours, Ivan turned his business into a multi-million dollar generating endeavor, with Monika as his partner in both love and lucrative business endeavors.
Monika and Ivan decided to take their hard-won status and turn it into a platform to give back to others who seek to invert their low status in life. Never forgetting the months she spent pregnant and depressed on a mattress in a house with no furniture, Monika vowed to enrich the lives of others with the knowledge necessary to navigate a tumultuous and unpredictable economy. The couple has already educated thousands of students in the ways of entrepreneurship, assisting over 300 people earn incomes of over $10,000 monthly, and even producing a few millionaires.
Monika also has a major presence in media. She is a columnist for multiple digital magazines and newspapers, and has even written a best-selling book that is currently being translated to English. She is responsible for the creation of her daughter’s brand Rich & Mind Kids, and manages her daughter’s social media status as an influencer. With further endeavors in the fields of fashion and her own social media presence, she is prepared for any economic hiccups through her multifaceted streams of income. “We currently have more than 30 different sources of income. We know the importance of not depending on one.” She explains.
After living the lowest of lows and building up an enviable life for themselves, this power-couple is ready to take on anything. As young as Monika is, through her trying times she has developed the wisdom of an elder, and yet still has so much more time to cultivate knowledge. She eloquently illuminates the barrier between oneself and success as such: “Life happens very fast, many things you postpone and others you simply cancel. What you desire stops being important because you consider that you are not of the right age, that the condition you are in does not allow for those desires, or that you do not have the resources. These are all excuses that in the end will leave you with remorse.” It is unfathomable to imagine what Ivan and Monika have yet to achieve, when they are so inherently successful, and have discovered the secret to their true potential already.
Instagram : https://instagram.com/monikatapiaoficial
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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