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
Exchange Rate Factors: What Global Events Mean for Savvy Investors
When Russia invaded Ukraine in 2022, it created ripples in all financial markets, including currency markets. The Euro weakened while the dollar surged and emerging market currencies wobbled. Global factors can quickly affect financial markets and shake established trends. Apart from such rare events, currencies tend to change their price because of interest rates, inflation, and overall investor confidence. For investors managing money abroad, understanding these movements is critical to avoid losses and mitigate risks.
Below, we will break down how global political, economic, and cultural events influence exchange rates, with insights for savvy investors.
Economic factors
There are several key exchange rate factors with a consistent history of shaking financial markets. These factors include inflation, interest rates, trade balances, employment rates, and so on. Since economic factors are shaping markets almost daily, we start with those.
Inflation and interest rates
Inflation and interest rates are closely connected as one can easily affect the other. When inflation rises, central banks step in and raise interest rates to reduce inflation, and when inflation is lower, central banks can lower interest rates to make borrowing money cheaper. As a result, investors closely monitor these two metrics to anticipate changes in interest rates. Higher inflation makes currencies weaker, and whenever banks change the rates, the changes are immediately reflected in global currency rates. In the United States, the Federal Reserve is the central bank that sets interest rates in the country.
Trade balances and economic growth
A country that exports more than it imports has a stronger demand for its currency. More demand equals a stronger currency. However, the Japanese yen was always weaker against the dollar because the BOJ of Japan tends to have super low rates near 0 to support its exporters. Economic growth also increases demand for local currency as more investors try to invest in the country’s economy. Long-term investors often track this data to detect early signs of any changes in currency strength.
Political and geopolitical factors
Elections, sanctions, and overall political stability are also crucial factors. If the country gets under sanctions, its economy crumbles and its currency becomes inflationary, losing its value quickly. Elections are also crucial for a currency’s strength. Geopolitical events can have a serious impact on the currency as well. The most obvious example is the 2016 Brexit events that made GBP lose its value rapidly and violently. Global conflicts, such as wars, can seriously impact global financial assets, especially currency markets. When tensions are high, safe-haven currencies like USD and CHF (Swiss Franc) become very popular among investors as they seek a safe place to protect their capital.
Cultural and social factors
People like tourists, workers, and diaspora communities can shape currencies as well. Tourism usually drives seasonal demand, and countries that are popular destinations during certain seasons experience their currency appreciation as demand spikes. The perception matters as countries seen as safe and opportunity-rich tend to attract more investors, solidifying their currency strength.
Technology and innovation
Technology is seriously affecting everything, especially the financial sector. Digital payment systems, blockchain technology, and fintech startups have made it easy and swift to move money around. Cryptos and stablecoins enable investors to protect their capital using stablecoins during volatile times. The latest trend among banks is to work on CBDCs, which signals a new era where national currencies are blended with technology and blockchain. Despite this, currencies, even in their crypto form, will continue to be influenced by all major factors mentioned above, and knowing how these factors impact your currency is key to keeping your capital safe from risks.
Practical lessons for savvy investors
So, what do all these factors teach us about global currency rates and investing strategies? The key lies in proper preparations and anticipation. Monitoring macro trends, policy announcements, and major geopolitical and political developments is critical.
Diversify
The number one method which is used by professional investors is diversification. This simply means to spread your risks across a basket of assets. By not investing all your capital in one instrument, you can mitigate risks. If one asset experiences a loss, other ones will counter it with returns. Building a diversified portfolio is key to properly diversifying. For example: divide your capital to buy stocks, commodities, currencies, and cryptos so that if one fails to perform, others will counter it. This ensures a stable income without unnecessary losses in the long run.
Hedge
Forex options and ETFs are great hedging assets. Forex options let investors lock in an exchange rate for a future date, which is very useful if you expect volatility but want stability. Currency ETFs, on the other hand, track specific currencies or a basket of currencies and allow easy trading or protection without trading forex directly, but they are still risky.
Monitor the economic calendar
Economic calendar is a free online tool that aggregates important macroeconomic news data such as interest rate decisions, CPI, inflation, employment rates, central bank announcements and speeches, and other crucial information. By monitoring them, investors can always know when important news data will be released, and they can postpone their investment decisions to avoid volatile times and only invest after the main trend is determined.
Features
The Canadian Dollar is on a slow decline. Should you save in euros or US dollars instead?
The Canadian dollar has been losing its value against the dollar this year. For Canadians, this raises a simple question: if your CAD is losing ground, is it better to move savings into euros or U.S. dollars, especially bonds, stocks, or a carry-trade strategy? Carry-trade strategy in this context means to borrow in CAD and invest it in the USA or the EU zone. This is a complex matter, and to understand where the CAD is, how attractive other currencies might be, we need to analyze these currencies more deeply. Below, we will walk you through the data, practical costs, and risks so you can reach a usable conclusion after reading this guide.
Quick snapshot – What the markets say right now
Recently, the Canadian dollar has hit multi-month lows due to weaker oil prices and a post-Fed (U.S. Federal Reserve) market reaction (which raised the rates, making the CAD weaker against the dollar). Canada’s central bank has cut its policy rate to 2.25%, while the Fed’s fund rate remains notably higher at about 3.75-4%. The ECB (European Central Bank) main interest rates are lower than the Fed’s and near the low-to-mid 2% range. While the Euro currency to USD rates remain mostly predictable, due to higher US bond yield rates, the EUR remains stronger, still. The U.S. 10-year Treasuries are around 4.1%, Canada’s 10-year near 3.2%, and Germany’s 10-year around 2.7%, meaning that today the USD-denominated bonds have the highest nominal yield among the three. As a result, the dollar seems much more attractive when it comes to bond yields and stocks.
Bonds – Which currency is the best for fixed income?
The short answer is: USD bonds. When it comes to nominal yield alone, US bonds beat almost all other competitors. U.S. government bond yields (10-year) are noticeably higher than Canadian and German/Eurozone bond yields right now. As a result, US bond buyers have more income potential than Canada and the EU. Euro-area core yields are lower, meaning they are paying less than the USA.
However, nominal yield does not mean it is guaranteed real return, and metrics like inflation, currency rates, and hedging costs can impact potential returns directly. If you buy USD bonds but the dollar falls against the CAD, currency losses will most likely wipe out the higher yield rate. If the Fed lowers its rates, it will make the dollar weaker against the CAD and EUR.
Another challenge is that, if you live and spend in Canada, you are using CAD, and when exchanging it for dollars, you get exposed to foreign currency rate risks, which must not be underestimated.
Stocks – Euro or dollar?
Both the EUR and USD have their advantages. USD has strong liquidity and strong long-term performance, while EUR equities offer valuation opportunities and recent relative strength.
Why USD?
The U.S. market remains the most liquid stock market with strong earnings for many tech and large companies. This makes USD stocks very attractive for long-term-oriented investors. S&P has been rising historically, and even after crashes, it often recovers its value relatively quickly.
Why EUR?
European indexes have performed well this year and in many cases cost less than their U.S. counterparts. While cheaper does not always mean better, these indexes still have some growth potential. Some major banks in the EU zone, together with industries, have recovered strongly with a recent focus on military manufacturing, making many EU stocks very attractive, together with local indexes.
However, here is a caveat: if you are using CAD daily and it loses its value against the euro, the returns from euro holdings might shrink, exposing you to greater currency risks.
Carry-trade analysis – Is it viable to borrow CAD and invest it in USD or EUR?
The basic promise of carry-trade is simple yet powerful: you borrow cheaper currency and invest it in currencies with higher yields. In our case, is it lucrative to borrow in CAD and invest in either EUR or USD? To answer this question, we need to look at numbers. BoC policy rate is 2.25%, Fed funds from 3.75%, U.S 10-yr is 4.1%, Canada 10-yr is 3.2%. If we deduct Canadian rates from the U.S. rates, we get around 1.8% positive before costs. So, in theory, it could be lucrative to invest CAD in USD assets using a carry trade. Since the ECB has around 2%, it is not profitable to use a carry-trade strategy for the euro.
The bottom line
While the CAD has been weakening lately, it is still not cheap enough to naively invest in USD or EUR. However, if you want a pure yield and can tolerate foreign exchange rate risks, USD bonds are more attractive today. When it comes to stocks, USD equities provide stable and liquid markets. If you want valuation potential and diversification, then euro equities have become more attractive this year. When it comes to carry-trade strategies, the USD remains more lucrative than the euro, but on paper, traders and investors should evaluate all the risks and costs before investing in any currency.
In the end, Canadians who have CAD for their daily costs should be careful when trying to get exposure to other markets. US bonds, US stocks, US carry-trade, and EU stocks remain attractive choices for experienced investors.
Features
Why Reading Online Reviews Matters Before Making a Purchase
People usually pause before purchasing to read reviews from other customers. It’s become part of everyday online life, a quick way to see how something really performs before making a decision. According to the Pew Research Center, most internet users read reviews to get a better idea of what they’re buying. The feedback from actual users becomes more reliable than marketing statements because it comes from everyday consumers instead of sales-oriented corporate messages.
Reading reviews also helps spot patterns. If the same comment, good or bad, appears again and again, it usually means there’s truth to it. People now use this collective feedback as their main method to evaluate online products and services for quality and reliability.
When There Are Too Many Options, Reviews Narrow the Field
Shopping online can be overwhelming and a bit of an adventure. There are always more options than anyone needs, hundreds of gadgets, countless household tools, endless entertainment subscriptions. All listings present themselves as excellent value propositions with operational excellence, yet it remains a bit of a challenge when it comes to verifying which ones deliver actual results.
Reviews become useful at this point. Real users provide information about product details, which marketing content fails to show, by sharing their experiences about delivery speed and setup ease and product durability after several months of use. The product details show its operational behavior when used in regular business activities.
Users tend to begin with reviews. For instance, a tech product might have amazing packaging but fall short on battery life or integration. Maybe a new game or casino platform might sound promising, and reviews on trusted choices can confirm whether it includes flexible payment options, a wide content library, and responsive support. When feedback keeps mentioning strong points like clear instructions or helpful customer service, it shows consistency. The product or service delivers its expected results because customers have personally seen its performance.
Reviews Build Faith Through Shared Experience
Reviews gain their strength from the emotional bonds which readers find with each other. Reading about someone else’s experience feels familiar, even if you don’t know them. It’s basic word-of-mouth marketing, like receiving recommendations from a neighbor who has already purchased the item you are considering.
This shared experience has built an informal community of online voices. People rely less on what a brand claims and more on what other users notice. When different reviewers mention similar strengths or small frustrations, it adds authenticity. The story becomes more believable.
Reviews show what other users have experienced, but they do not offer any guidance about what to do. This type of his collective info turns into an important part of how people build trust online. It’s a small thing, but it makes a big difference in how confident we feel about the choices we make.
Balanced Feedback Feels More Honest
A perfect score does not prove that something lacks any imperfections. A combination of positive and less-than-perfect feedback creates a more authentic impression. Small complaints about packaging or delivery delays make glowing reviews sound real. A recent study showed that participants answered honestly instead of trying to make their responses attractive to others.
Most readers know that nothing works flawlessly all the time. People look for reviews which provide both positive and negative aspects because they want to find balanced opinions. Customers can establish realistic purchase expectations through combined information which they can apply before buying. Review systems maintain their value because reviewers maintain honesty in their assessments.
Why Recency and Volume Matter
The best reviews and product ratings are the ones written recently. They reflect how a product or service performs right now, not how it worked a year ago. Things change, materials, delivery services, and even the way companies handle support.
A steady flow of new reviews suggests consistency. When lots of people share their experiences over time, patterns appear. Those patterns tell readers what’s typical, not just what’s possible. It’s the difference between one person’s lucky experience and a reliable average that others can count on.
Quantity matters too. Ten balanced reviews from this month will usually tell more than a single five-star comment from last summer. Together, recency and volume create a clear picture of reliability and quality without relying on assumptions.
Recognising Genuine Reviews
Not every review online is authentic, real, and written by a consumer. Some are written by automated accounts or people hired to post positive comments. Real feedback tends to sound natural and personal. It might mention something specific like the texture of a fabric, how easy the setup was, or whether support staff replied quickly.
Authentic reviews vary in tone and detail. Some are short, others long, some are full of small observations. That mix of styles feels human. On the other hand, copied or fake reviews usually repeat the same phrases or sound overly polished.
Many websites now try to identify and label suspicious posts, but readers can also help by paying attention to repetition, timing, and tone. A quick scan across different platforms usually reveals what’s genuine and what’s not.
Reading Smarter in the Online Marketplace
Reviews have become a solid foundation for how people make decisions online. They give an honest view of how something performs beyond what’s written on the label. Every comment, short or long, adds another piece to the puzzle.
More than that, reviews show how businesses handle problems, how quickly they respond, and whether they follow through on promises. They offer accountability in a world where shoppers and sellers rarely meet face to face.
Reading a handful of reviews won’t guarantee a perfect experience, but it provides helpful context. It shows what’s typical and helps people make choices with more confidence. In an online world full of noise, reviews remain one of the easiest and most reliable ways to learn from others.