Jay Patel decided about four years ago he wanted to buy a motel. He was living in Brampton, Ont., and working as a machine operator in a warehouse, a job he had done in a few different places since immigrating to Canada from India in 2000. The work afforded Patel and his wife, Sudha, enough money to buy a home and raise a child, but it failed to provide the 50-something-year-old with what he really wanted: his own business and the sense, sink or swim, that he was in charge of his fate.

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