Features
How Norman Stein, a long-time teacher in Winnipeg Jewish schools transitioned into an enventful career in the music business
By BERNIE BELLAN
In May 2021 I began what was supposed to have been a two-part story about the life of a man, Norman Stein, who left an indelible impression on so many Jewish students during his teaching career in the Jewish school system, which began in the 1950s and ended in 1967.
But – I’ve long been a procrastinator; it’s taken me over two years to return to Stein’s story.
Now 91, Stein left Winnipeg many years ago, but he still recalls his years teaching here – at the Talmud Torah, Joseph Wolinsky Collegiate, and the Rosh Pina Hebrew School, with great fondness.
When I published that initial story about Stein’s teaching career, which I began by delving into his childhood growing up first on Pritchard Avenue, later on Redwood, and finally on St. Anthony, I attempted to transcribe a line in Yiddish that I had recorded Stein as saying, but I mangled that line.
Here again is the anecdote Stein related about one time when he had wandered off on a Friday evening into the Ukrainian Labour Temple on the corner of Burrows and McGregor:
“Anyway, one Erev Shabbes – I was three or four, I snuck into the theatre and the manager asked me who I was looking for?
“I told him I was looking for my mommy. He said, ‘You just sit here’, and the next thing I know I’m watching the Priscilla Lane sisters playing tennis in their white shorts. I remembered that.
“The manager called me out and said, ‘Your mother’s here now.’ And I wondered, how could that be? because my mother doesn’t even know I’m here. I go out and there’s my mother and Mrs. Rubinfield, who ran a grocery store a few doors down, and had a pay phone – which they avoided using on Shabbes – but they called the police and the police asked, ‘Is there a favourite place he likes to go?’ and my mother said I like to go to the movies, so the police said: Maybe he went to the Labour Temple.’”
As Stein explained what happened next, when he was confronted outside the Labour Temple by his mother, Mrs. Rubinfield, and a “Bobby” who was with them, in addition to being scolded for wandering into the movie theatre, the Bobby added: “And you didn’t even pay”, to which, Stein said he answered (and remember, this is a four-year-old) – and this is the line I got completely wrong: “M’tur nisht trugen kein gelt oif Shabbes” – “You mustn’t carry any money on Shabbes.”
It may have taken me 26 months for me to correct that adulteration of the Yiddish language, but when I contacted Stein again recently to ask him whether he’d be willing to continue with the story of his Winnipeg years, the first thing he told me is how miserably I had failed in trying to transcribe that line.
Despite that very grave error, however, Stein did tell me that he quite enjoyed the May 2021 interview piece. I told him that piece also evoked a very strong and warm response from many of his former students and that many of them had told me they were very much looking forward to the sequel.
I ended the first part of my story about Stein by noting that, in 1966, he was involved in a very serious car accident when his car was rear ended by a truck. He said, “That’s a period I don’t remember well… I was in a coma for some time. I was a nervous wreck. My doctor suggested I go to some place relaxing, so I went to Hollywood.”
Thus began the next chapter of Norman Stein’s life, which we now take up here:
Stein was working for RCA Records in the A&R (artists & repertoire) department. One day a young, barefoot Black girl came in with a demo tape. She said her name was Natalie Cole (daughter of Nat King Cole).
Stein asked her why she didn’t take her demo tape to Capitol Records, since that’s where Nat King Cole had a recording contract? “She said she didn’t want to be attached to his apron strings,” Stein explained.
Apparently though, Natalie Cole was upset with Stein “and she stormed out of there.” I asked Stein whether there were any other memorable moments from his time in California, and he mentioned that he was still in the United States during the time of the Six-Day War in June 1967.
“The Israeli Philharmonic was touring in the States at the time and I did some PR for them. There was a celebratory concert at the Hollywood Bowl and the guest artist was Jack Benny.”
While he was still in California, Rabbi Witty, who was the then-principal of the Talmud Torah and Joseph Wolinsky Collegiate had phoned Stein and had asked him whether he would be prepared to resume teaching the humanities courses that he had taught to students in Grades 7-12 at JWC for years, including courses in the history of music and the history of art, philosophy, and library science.
I remember taking Stein’s course on the history of art. Part of the course was devoted to a study of architecture. Stein recalled how enthusiastic so many of the students in my particular class were when he gave us an assignment to “take photographs of sites in Winnipeg that would be comparable to some in Ancient Greece by the way they photographed.”
Stein did resume teaching those courses in the fall of 1967, but when he asked to take a leave of absence to attend various music conventions, Tamara Wiseman, who was the vice-principal of the Talmud Torah at the time thought that “it wasn’t fair to the students that I had to leave town to go to conventions to pursue a career in music,” and without even being given a chance to say good bye to his students, Stein was told that he should just “leave.”
I said to Stein that I had heard from someone by the name of John Einarson, who is arguably Manitoba’s foremost music historian – and who gave a brilliant presentation during a recent Jewish Heritage Centre event titled “The Soundtracks of our Lives” about Jewish musicians in Winnipeg through the years, that Einarson had worked for Stein at a time when Stein was selling records out of the back of Strain’s Camera Store on Portage Avenue.
I asked Stein whether he began doing that around the time his teaching career ended (in 1967)?
“We couldn’t get into Polo Park (because Polo Park wouldn’t allow a record store at that time) so we opened in the back of Strain’s (which was owned by the late Manny Wiseman. One of Manny Wiseman’s sons, Bob, went on to become one of the founding members of Blue Rodeo.)
“People were only going up to the camera department and we rarely got anyone coming into our section,” Stein observed.
In 1969, Stein made the move that was eventually to lead to a 10-year period when he achieved his greatest recognition in Winnipeg – with the opening of the famed Opus 69 record store.
“There was space above Clifford’s Ladies Wear “(at 412 Portage Avenue, the corner of Kennedy and Portage), Stein continued. (Cliffords was owned by Johnny Pollock. One of Pollocks’ sons, Harold, went on to become a renowned classical guitarist.)
Thus began Opus 69. Around the same time Stein became host of a nightly program on CKY FM called “Now Flower.” Randy Moffat was the owner of CKY at the time and he was so impressed with the program – and the number of different recordings that Stein was able to play that CKY “even put a console in Opus 69 with live broadcasting by a DJ between noon and 6 pm.”
I remarked that I remember well that second floor location for Opus 69 and how popular it was.
Stein suggested “that small location became the most popular record store in Winnipeg.”
In a 2016 article for the Free Press, John Einarson wrote about the huge impression Opus 69 made on music fans in Winnipeg when it first opened: “Once Opus 69 opened in the spring of 1969 on Kennedy Street just south of Portage, above an optometrist’s shop, it became my destination for music. Opus 69 specialized almost exclusively in rock music and had the most extensive selection in the city, including imported recordings, as well as listening stations to sample before you purchased.
“I remember the first time my friend and I did that, never having used headphones before,” recalls Grant Edwards.“We were busy yelling to each other until one of the workers asked us to please stop yelling as no one else in the store was listening to headphones.”
Unfortunately, while owner Norman Stein had great taste in records, his business acumen was wanting, and when Opus 69 moved to the more spacious ground-floor store on Kennedy north of Portage in the early ’70s it was under new ownership. However, it continued to boast a wide selection and knowledgeable staff.”
Around the same time that Stein was running Opus 69 he also had a company called “Campus Records Distributors,” which sold records to university bookstores across Canada. Campus Records was eventually bought by Deutsche Grammaphone.
As John Einarson noted, “Opus 69 moved to a new location on Kennedy Street (across from what used to be the Town and Country), but by the early 1970s Norman Stein was no longer the owner.” (He told me, during our interview, that he didn’t want to get into what happened with the business. Suffice to say that, by 1979, Opus was in receivership. Stein had long been out of the picture when that happened.)
Stein said that he remained in Winnipeg with his ailing mother until she passed, in 1980. Shortly thereafter, he moved to Vancouver. He did talk about his career in Vancouver, but I said to him that I preferred to keep the focus on Winnipeg.
Before our conversation ended though, Stein said he wanted to tell me one more story from his childhood – when he was about four. The story had to do with the quaint Jewish custom of “shlogn kapores,” during which on Erev Yom Kippur a chicken (or a rooster) is waved over one’s head and one’s sins are transferred to said chicken or rooster.
Here’s how Stein described how the ritual was practiced in his home – and what happened one year: “You have a tablecloth over a table, you take the live rooster and swing it around your head and say certain prayers from a Siddur (prayer book). When you do that you put the live rooster under the table, then you take it to the shochet for Yom Tov.
“Well, this rooster kept pecking at my wrists and hurting me but I was holding on tight, so I threw the rooster under the table. When I pulled it out, it had a limp neck. It was dead. I bawled my head off because it meant the rooster could not have absorbed all my sins. My mother was upset because she didn’t have a tarnigol (Hebrew for rooster) for Yom Tov.”
I asked: “Because it wasn’t slaughtered properly?”
Stein replied: “How could it be slaughtered? I choked it to death. It had an overdose of sins!”
I said to him that so many of his former students offered reminiscences, both in our newspaper and in the Facebook group “1950s and 60s Winnipeg Jewish Students”, about his having been their teacher, that I wondered whether he would be amenable to hearing from former students.
I mentioned to him that one of the contributors to that Facebook group was David Steinberg. I asked Stein whether he had ever had Steinberg as a student? That led him to tell this story:
“When I was teaching in the Rosh Pina Hebrew School the synagogue youth group had socials and David performed his jokes on stage. As I was teaching him, he knew, as an opportunist, that I had some connections with Chicago. He wanted to go to Second City – the famous comedy thing. He could not get in, but he could if he was a yeshiva student. So I wrote a letter to the yeshiva on his behalf and he got accepted into the Hebrew Theological College (from where Stein had also graduated) and, after that the Rosh Yeshiva said to me: ’So where is your David Steinberg?’ He disappeared after a while and Second City had rented in the Jewish community centre across the street from the yeshiva. I never saw him again until one year – it was around 1970, I went to Greenwich Village and saw a poster for a folk music group. At the bottom it said ‘opening act: David Steinberg.’
“A door opened and who comes out but David Steinberg? I said ‘Dudi?’ and he said, ‘Uh, your face is a little familiar…Oh yes, Norman, here’s my business card and we’ll have coffee in my private apartment ….and I never went to his apartment.”
I asked Stein whethe he would be amenable to my putting his phone number into this article so that former students could get in touch with him.
Although each time I’ve phoned Stein, we’ve had very pleasant conversations, I’m not sure whether he would have the stamina to engage in phone convesations on a regular basis with former students. Still, if he’s tired or preoccupied doing something else, I’m sure he would let anyone know. And, even though he says he has trouble remembering things, I certainly didn’t find that to be the case. Stein did say that he wouldn’t have any objection to my putting his phone number into this article, so here it is: 1-604-269-0961. Remember, he’s in Vancouver, so bear in mind the time zone that he’s in if you do plan on calling him.
Features
Author and lifelong nurse Tilda Shalof’s new book a guide not only for young nurses but one that will appeal to a wider readership
By MYRON LOVE Tilda Shalof’s most recent book – “The Handover – a Nurse’s Last Shift” was, in the words of its author, “written for the general public, to understand nursing. Nursing is everyone’s concern, not just nurses. The general public has a stake in the matter,” she observes.
I can guarantee that there are plenty of stories and anecdotes that the author shares from her own experiences that will also be of interest to a wider readership. I certainly enjoyed the book.
The title – “The Handover,” she explains, is the regular exchange between nurses going off their shift and the nurses beginning the next shift, during which the outgoing nurses pass on all relevant information about the patients under their care to the incoming nurses. A recurring thread throughout the book – of close to 400 pages – is the retiring Shalof’s interaction with three student nurses whom she had recently befriended through one of her many speaking engagements. In particular, Shalof gives co-writing credit to one Lisa Mochrie – a nurse who the author acted as mentor to during Mochrie’s last period as a student and continuing through her early nursing career.
There is a tendency for many people to take for granted people I would describe as working in a service capacity such as nursing. One of the reasons that Shalof points out in her book for our ongoing nursing shortages is that young men and women are more likely to be encouraged to pursue a medical career (to be a doctor) than a nurse. This, she points out, despite the fact that hospitals can function without doctors – but not without nurses.
Some other factors, she notes, are the ever increasing demands of documentation – which detract from patient care – and regulations, which have taken much of the satisfaction out of the profession.
In an interview with this writer, she observes that Jewish nurses are few and far between because nursing is not a profession that most Jewish families encourage. (I can only name a handful of Jewish nurses that I have known or have come across.)
She spoke about how she became a nurse early in life to her aged and ailing parents – being the only daughter – (she has three older brothers) and the last of her siblings to leave home. In “The Handover”, she also makes frequent reference to fictional nurse Cherry Ames – the heroine of numerous books written between 1943 and 1968 – as inspiration for Shalof’s choice of career.
For the first 30 years as a nurse, Shalof worked in an intensive care ward at Toronto General Hospital. She subsequently worked for a short time at an HIV clinic and, later a hospital day clinic and a neurosurgery unit. She also spent several summers as a camp nurse at a Jewish camp while her kids were campers there.
“The Handover” is Shalof’s seventh book. Her first book, published in 2004, was “A Nurse’s Story,” chronicling her experiences over 30 years as an ICU nurse. Among her other books are:“Camp Nurse,” recounting anecdotes from her time working summers at her children’ summer camps, and “Opening My Heart” – an account of the profession from the point of view of a patient after she had open heart surgery.
Coincidently, she notes, she began her first book around the time of the SARS outbreak in Toronto in 2003. Shalof says she started writing her latest book at the height of the Covid lockdowns, which she references from time to time in the book. .
The approach Shalof has taken in writing “The Handover” – following a foreword and introduction – is literally an A to Z overview of everything there is to know about nursing – with each chapter focusing on one specific letter of the alphabet. Each chapter relates her thoughts and tells anecdotes from her own nursing experiences over 40 years in the profession, as well as her interactions with Lisa Mochrie and the other two student nurses as they transition from students to professionals.
In her conclusion, she observes that “nursing can be a path to making a difference – having an impact. It can be a front row seat at the theatre of life. Or it can be a job, a way to make a living and help support your family. “
Most importantly, she added, “make sure you try to have some fun. Do everything in your power to enjoy being a nurse”.
Although the now 67-yeear-old author is retired from the practice of nursing, she remains in demand as a speaker and advisor. She continues to get calls from throughout North America seeking her advice.“The Handover” is available from the University of Toronto Press.
Features
Michael Mitchell: His Labour of Love in Law
By GERRY POSNER The Mitchell name in Winnipeg has been around a long time and much of the the name recognition stems from the long connection of the family to a business known as Mitchell Fabrics, a mainstay on Main Street for many years. Established by Mendel Mitchell generations ago and not closed until 2017, many family members, including in-laws, worked there as managers, students and retirees. And yet, the family vocation was not limited to just the business, t it stretched out into the world of law, and more specifically the field of labour Law. One particular Mitchell reached the peak of all aspects of Labour Law. Three Mitchells: Leon, son Grant (a senior management side labour lawyer in Winnipeg), and daughter April Katz (an academic at the University of Victoria Law School), had stellar careers in that field. Yet another Mitchell, Michael, also achieved great acclaim as a labour lawyer. Michael, a product of the south end of Winnipeg, is the son of the late Harry and Gertrude (Sirluck) Mitchell, so he has some impressive genes going for him. But he has added to the story immeasurably.
Perhaps it all began for Michael Mitchell when he graduated from what was the first and only Grade 7 Hebrew school class at Herzlia Academy. He later was Regional Vice-President of AZA in his teenage years. After two years at Joseph Wolinsky Collegiate and two more at Grant Park High School, Mitchell went off to the University of Manitoba for his first year and then on to the University of Toronto, where he obtained a BA in Political Science. Then came law school, also at the University of Toronto, from where he graduated with an LLB in 1975. Along the way, he married the former Lynne Berman ( also from Winnipeg).That union produced three Mitchell daughters, two of whom are physicians – in psychiatry and neurology respectively, while the third is a pioneering pre-school educator. Michael and Lynne also have six grandchildren.
For a large part of his career as a lawyer, Michael Mitchell practiced law in Toronto as a senior partner in the firm of Sack Goldblatt Mitchell – from 1980 through 2014, having joined the firm in 1975 as a student. The firm was committed to the union side practice of Labour and Employment Law. Not so surprisingly, he had to appear at all levels of courts, also administrative tribunals.To his credit, his work and impressive track record was recognized by his peers as he was named a leading labour lawyer in Canadian Lexpert Directory and was frequently recommended in Best Lawyers in Canada. Between 1982- 2006, Mitchell was also the managing partner of the firm, which suggests to me an ability to manage people, not an insignificant skill. During his tenure as the managing partner, the law firm grew from just under ten lawyers to over fifty, with offices in both Toronto and Ottawa. His responsibilities were firm leadership, strategic decision making and financial management.
But, what a career Mitchell has had. For starters, aside from his time as a practicing lawyer in the field of labour law, he has, since his leaving the practice, just changed hats. From 2015 to 2018, he was part time Vice-Chair of the Ontario Labour Relations Board and, from 2018 as of this moment, he has become full time Vice-Chair at the same Ontario Labour Relations Board. Needless to say that, over the course of his administrative work since 2015, Mitchell has been at the centre of some significant decisions and, if you are interested, I can direct you to the selected substantive decisions in which Mitchell has been involved.
Moreover, Mitchell has worked and continues to work in the area of mediation and arbitration of both labour and indeed civil law. This is a large area, to put it mildly. For starters, there is the entire field of grievance arbitration. To be involved in cases of this kind, your name has to be put up by one of the parties and often agreed to by the other party. That means you have credibility with both of the protagonists. Mitchell clearly has that kind of reputation and draws support from both sides of the aisles – as it is referred to in some circles. He has been an arbitrator/ referee in many cases, including the famous 1986-1990 Class Action settlement related to individuals who had contracted Hepatitis C. Further, he has conducted numerous civil mediations related to employment, contracts and human rights matters. Mitchell also mediates and arbitrates collective bargaining disputes.
One of Mitchell’s’ main achievements was that he was invited between 2015-2017 to be a Special Advisor (with capital letters, no less) to the Ontario Minister of Labour with regard to the Changing Workplace Review. This was a landmark review of the Ontario Employment Standards Act and the Labour Relations Act where he, together with Justice John Murray, recommended many legislative changes to protect workers from the negative impacts of precarious employment. The best part of his work was that many of th recommendations were actually adopted. Other recommendations remain for future governments across the country to consider.
If you really want to delve into the Michael Mitchell career, you should know that, over the span of his career there are many publications that he has authored. The main one is his textbook on the Ontario Labour Relations Board, which he co-authored with his early mentor, Jeffrey Sack, and which remains the leading authority on the Ontario Board.
Mitchell comes by his passion for labour law honestly. His uncle, Leon Mitchell, was an iconic force on the union side in his practice of law in Winnipeg and was the inspiration for Michael to enter law to become a labour lawyer in the first place. In fact, it was Leon who introduced Michael to a man in Toronto who recommended Michael to connect with an up and coming labour lawyer in Toronto named Jeffrey Sack K.C. That connection resulted in the Sack Goldblatt Mitchell law firm. As well, Michael was well known to Sid Green during the early years of Sid’s law career, also his early days as a Cabinet Minister in the Schreyer NDP government. Sid was a person who exerted a significant influence on Michael.
With all that on his plate, Mitchell found time to be the president of the Darchei Noam Synagogue in Toronto between 2004-2008. He has also been the president of the Jewish Reconstructionist Federation of North America. During his term, he led the merger negotiations which ultimately resulted in the current structure of that movement ,which is now referred to as Reconstructing Judaism. Its singular aspect is that it consists of a single organization combining congregations plus a Rabbinical School. That was enough to get Mitchell an invitation to attend one of President Obama’s Chanukah parties at the White House during the Obama term. As well, to this day, Mtchell sits as a Director of the New Israel Fund of Canada.
Mitchell has his feet still planted in Winnipeg. His two sisters live there, as well as Lynne’s sister. In fact, he just visited Winnipeg for his sister Ruth Ann’s and Paula’s 85th and 80th birthdays respectively. And to keep up to date, Michael and Lynne Mitchell have long had a subscription to the Jewish Post.
In short, at just under 80, Michael Mitchell is moving like he is eighteen. The longevity of his career may soon rival the longevity of the family business, Mitchell Fabrics.
Features
Building Credit in College for Future Real Estate Deals
Most college students aren’t thinking about mortgages. But the students who buy their first investment property at 25 or 27 started building credit at 19 or 20. The two are directly connected.
Real estate is a game of capital access. Lenders don’t care how motivated you are – they care what your FICO score says. A 760+ score gets you prime mortgage rates. A 620 gets you higher interest and fewer options. The difference in monthly payments over a 30-year mortgage can be tens of thousands of dollars.
The window you have in college to build credit without major financial pressure is one of the most underused advantages Jewish students have.
Credit Foundations: Where To Start
Your credit score is built from five factors. Payment history makes up 35% – the largest single component. Credit utilization (how much of your available credit you’re using) accounts for 30%. Length of credit history, credit mix, and new inquiries cover the rest.
For most students, the first practical step is a secured credit card or a student credit card. Secured cards require a deposit that becomes your credit limit – typically $200-$500. They report to all three major bureaus and build history the same way unsecured cards do.
The rules are simple but require consistency. Pay the full balance every month. Keep utilization below 30% of your limit. Don’t apply for multiple cards in a short period. These habits compound over years – a student who starts at 18 has 7 years of credit history by the time they’re ready for a first mortgage.
One underused option: ask a parent or family member to add you as an authorized user on an older card with a clean payment history. You don’t need to use the card. The account’s age and payment history get added to your credit file immediately.
Researching Investment Options During Studies
Business, economics, and finance students regularly analyze real estate markets as part of their dissertation. That work isn’t just academic – it’s actual market research that doubles as preparation for real investing decisions.
However, balancing dataheavy analysis, market research, and exams often leads to extreme burnout. To survive the final semester, many students look for external support. Some of them use EduBirdie – best dissertation writing services for timely delivery and consistent quality on deliverables when the research load is heavy. Outsourcing the formatting and drafting frees up time to dig deeper into the actual market data that matters for real investment decisions. The analysis you build during college becomes your knowledge base before you ever make an offer.
Smart students treat every finance and real estate assignment as a portfolio of personal research. That perspective shifts the work from obligation to investment preparation.
How Student Loans Affect Your Future Mortgage
This is where many graduates get surprised. Student loan debt directly affects your debt-to-income ratio (DTI) – a key metric lenders use in mortgage approval. Most conventional lenders want your total monthly debt payments to stay below 43% of gross monthly income.
If you graduate with $40,000 in student loans at a standard repayment, your monthly payment is roughly $400. That $400 counts against your DTI before you add a car payment or rent. Managing your loan balance and making consistent payments not only builds credit – it keeps your DTI workable when you’re ready to buy.
Income-driven repayment plans can lower monthly payments but extend the loan period. For mortgage purposes, lenders typically use the actual monthly payment shown on your credit report when calculating DTI.
Practical Steps For Building Credit In College
Keep Utilization Low
Staying under 30% of your credit limit matters more than most students realize. If your card limit is $500, that means keeping your balance below $150 before the billing date. Paying in full each month handles this automatically.
Monitor Your Score Regularly
Free monitoring is available through Credit Karma, Experian, and most major banks. Checking your score doesn’t hurt it. Set up alerts for new inquiries, changes in balance, or any accounts you don’t recognize. Catching errors early prevents damage that takes months to fix.
Build Your Credit Mix Over Time
Lenders like to see that you can handle different types of credit. A student card, a small personal loan, and eventually a car loan create a credit mix in college that strengthens your profile. Don’t open accounts you don’t need, but don’t avoid credit out of fear either.
Here’s a practical credit-building checklist for college students:
- Open one student or secured credit card and use it monthly
- Pay the full balance before the due date every month
- Keep utilization below 30% at all times
- Become an authorized user on a parent’s old card if possible
- Check your credit report annually at AnnualCreditReport.com
- Make all student loan payments on time once they enter repayment
- Don’t close old accounts – account age matters
Understand What Mortgage Pre-Approval Requires
When you eventually apply for a mortgage, lenders will look at your FICO score, DTI, employment history, down payment, and reserves. The credit score threshold for a conventional loan is 620, but most competitive rates start at 740 and above. FHA loans allow scores down to 580 with a 3.5% down payment.
Starting to build credit at 18 or 19 means arriving at your first mortgage application with 6-8 years of credit history. That length alone adds 15% of your score. Combined with responsible utilization and clean payment history, you can realistically hit 740+ before you graduate.
The Long Game
Real estate investing after college isn’t a fantasy – it’s a planning problem. The students who pulled it off didn’t get lucky. They started building credit years before they needed it, kept their DTI manageable, and used their time in school to understand the markets they wanted to invest in.
The credit habits you build now are the credentials lenders will evaluate later. Start with one card, pay it in full, and let the history accumulate. Five years from now, that consistency becomes a mortgage approval and the keys to your first property.
