Features
Arthur Ripstein: Following the Ripstein trail first laid in Manitoba 140 years ago
By GERRY POSNER Let me be clear. The Ripstein family has been a force in many ways in Winnipeg, in Manitoba and indeed in the entire country of Canada now for almost140 years.
In fact, in 1873, Jacob Ripstein began a series of many firsts in the family.
He was one of the very first Jewish settlers in Manitoba and one of his sons, Simon – a brother to Arthur Ripstein’s great-grandfather, Isaac, was among the very first Jewish children born in Winnipeg.
Isaac’s son, Reg Ripstein was, in his own way, the leader in another way. He made the first ever trade in canola in 1963 as a futures broker in a career that lasted 72 years. His wife, Ellen Ripstein later became the first ever female stockbroker in Canada, also the oldest stockbroker in Canada – working until she was 90, seven weeks before she died. Even a Ripstein cousin, Ellen became the world crossword puzzle champion. Thus, the foundations were laid for Reg and Ellen’s two sons, Ira and Arthur.
Readers in Winnipeg will likely be familiar with the name Ira Ripstein. Ira is a well known doctor in Winnipeg, also an Associate Dean at the Faculty of Medicine at the University of Manitoba. Brother Arthur Ripstein has also ascended to some very lofty heights in his career as a philosopher and educator. You would need a book to recite the starred story of Arthur Ripstein, but here is the Reader’s Digest version:
Just recently, Arthur Ripstein was awarded the 2021 Killam Prize in humanities, awarded by the Canada Council for the Arts. Aside from the significant distinction that goes with receiving this prestigious honour, there is a little stipend that goes along with it, as in $100,000.00. So for all you parents worried about your kid’s desire to go into the Faculty of Arts – there is hope.
Consider this: Ripstein is a leading scholar of the legal and political works of the 18th Century philosopher, Immanuel Kant. Succinctly put, “about Kant, with Ripstein you can”.
Ripstein’s scholarship covers many areas, including justice, tort law and even the law of war. To have achieved this lofty status Ripstein points to his early years spent at the University of Manitoba, specifically his time in the Department of Philosophy. There he was introduced to and, as Ripstein acknowledges, was significantly influenced by Professor Arthur Schafer, the then head of the department.
Moreover, Ripstein benefited from being a member of a small department, where he received attention and encouragement. After Ripstein obtained his BA from the University of Manitoba, he was off to the University of Pittsburgh, which had a strong graduate school philosophy department.
His dissertation there landed him a teaching job at a small college, Franklin and Marshal. That stint enabled him to get connected to the University of Toronto, where he came under the tutelage of a law professor by the name of Ernest Weinrib. That relationship helped propel Ripstein to Yale Law School for a special PhD program, in which he took a year of law.
Next up for Ripstein was a period spent at Princeton as a Rockefeller Fellow at the Centre for Human Values. His last stop (so far) was – and has so far been at the University of Toronto law school, where now Dr. Ripstein started teaching torts to first year law students.
As Ripstein states, “it is the most fun course to teach because it is about such fundamental questions – how people are allowed to treat each other, whose problem is it when something goes wrong.”
It’s been a challenging and satisfying path that’s led to his present position, but Arthur Ripstein’s career has, I suggest, really taken off since he joined the University of Toronto. He is both a professor of law and of philosophy there. By now, he is the author of four monographs, over 75 essays in academic journals and has edited, either alone or with a partner, four books.
Twice he has been awarded the Canadian Philosophical Association (did you know there was such an animal?) Book Prize. He was also the recipient of a Killam Research Fellowship between 2018-18. And. by the way, if you’ve ever listened to the CBC radio show “Ideas”, guess who’s been a very frequent contributor: Arthur Ripstein.
In addition, Ripstein delivered the keynote lecture at the World Kant Congress and the 2019 Tanner Lectures on Human Values at the University of California, Berkeley.
Ripstein has reflected on topics that affect all of us at some point, relating to matters of authority, rules of war, the legitimacy of coercion and the complexity of obligation. I particularly liked his response to the question which children often ask their parents, as in “Why do you get to make the rules?”
Ripstein suggests “Because I said so” is not the appropriate answer. When you address the possible answers, you embark on a philosophical journey.
Even more pertinent these days is his response to the question “What is the place of authority during the present pandemic?”
Ripstein looks at it this way: “The hard question is figuring out why authority is legitimate. Some critics of public health measures seem to think that they must be illegitimate because they stop people from doing things that they want to do. That cannot be the right way to think about it; human beings can only live together if they are subject to common rules and those rules sometimes require depending on experts. The philosophical challenge is to articulate its proper limits. This is one example of how philosophy can take on such vital relevance to contemporary questions.”
Who could have predicted the career of Arthur Ripstein? Maybe it can be traced back to the original Ripstein settler in Winnipeg. Surely Jacob Ripstein in 1873 could never have envisioned his great-grandson, Arthur reaching such a high level in Canada and indeed around the world. In his own way, winning the Killam Prize and being recognized for an academic career in two disciplines, Ripstein has followed his Ripstein predecessors with a first, as in the first Jewish Manitoban to receive the Killam Prize. However you slice it, Arthur Ripstein has already made Jacob Ripstein’s decision to come to Canada a very wise one. Why do I say that?
Someone who knows far better than I – as in The Chair of the Department of Philosophy in the Faculty of Arts and Science, at the University of Toronto, Martin Pickavé, has said of Arthur Ripstein: “Arthur Ripstein is one of the most important legal and political philosophers in the world. The Killam Prize could not have gone to someone more deserving….He is an inspiration not only to his students, but also to his colleagues.”
Features
In recent years, we have been looking for something more than a house in Israel – we have been looking for a home
For many Jewish families in the diaspora, Israel has always been more than a destination. It is the land of tefillah, memory, family history and belonging. But in recent years, many families have begun asking a practical question too: should Israel also become a place where we have a home?
Not necessarily immediate aliyah. Sometimes it begins with a future option, something good to have just in case, or simply roots with a stronger connection to Eretz Yisroel.
But what does it mean?
A Jewish home is shaped not only by what is inside the front door, but by what surrounds it: neighbours, synagogues, schools, parks, local services, safe streets and the rhythm of Jewish life. For observant families, these are not small details. They are the things that turn a house into a place of belonging.
This is not a new idea. It is a need that has helped shape Jewish communities in Israel before. The Savyonim idea is rooted in the story of Savyon, the Israeli community established in the 1950s by South African Jews who wanted to create a green, safe and community-minded environment in Israel. It was a diaspora dream translated into life in the Jewish homeland.
That idea feels relevant again today. Many Jewish families abroad are now making plans around where they can feel connected in the years ahead.
Recent figures point in the same direction. Reports based on Israel’s Ministry of Finance data showed that foreign residents bought around 1,900 homes in Israel in 2024, about 50% more than the previous year, with Jerusalem emerging as the most popular place to buy. In January 2026, foreign residents still purchased 146 homes, broadly similar to January 2025, even as the wider housing market remained cautious.
For Lior David, International Sales & Marketing Manager at Africa Israel Residences, part of the continued interest may lie in the fact that today’s residential projects are increasingly built around the wider needs of Jewish families abroad: not only buying a property in Israel, but finding a setting that can support community, continuity and everyday Jewish life. That idea is reflected in Savyonim, the company’s residential concept, which places the surrounding environment at the heart of choosing a home.
This can be seen in Savyoney Givat Shmuel, where the surrounding environment includes synagogues, parks, educational institutions, local commerce, playgrounds and transport links, and in Savyoney Ramat Sharet in Jerusalem, located in one of the city’s established green neighbourhoods.
For families abroad, these things matter. Jerusalem and Givat Shmuel are never just another location. They are home to strong Jewish communities, established religious life and surroundings that allow a family to imagine not only buying property, but building a Jewish home in Israel.
Together, these projects reflect a broader understanding: that for many Jews in the diaspora, the decision to create a home in Israel is not only practical, but rooted in identity, continuity and community. The Savyonim story began with a Zionist community from abroad that succeeded in building a real home in Israel; today, that same vision continues in a contemporary form.
Features
When a Personal Loan Can Be a Smarter Option Than Carrying Credit Card Debt
A lot of people keep credit card debt longer than they planned because the monthly minimum looks manageable, but that is the trap. The payment feels small enough to live with, but much of it goes to interest when the balance is high. That means the debt can drag on for years, even if you keep paying on time.
A personal loan can be a smarter option when you already know the debt will not be gone quickly. Instead of carrying a revolving balance with a high rate and no firm payoff date, you move the debt into a fixed loan with regular payments and a clear endpoint. That does not solve every debt problem, but in the right situation, it can reduce interest costs and make repayment more realistic.
The Core Difference Between These Two Types of Debt
Credit cards are flexible, so you can borrow, repay, and borrow again without applying every time. That flexibility is useful for day-to-day spending, emergencies, and short-term borrowing. It becomes expensive when a large balance sits there month after month.
A personal loan is structured. You borrow one amount upfront, then repay it over a set term, often between one and five years. The payment usually stays the same each month. That structure matters because it forces steady progress.
When a Personal Loan Usually Makes More Sense
A personal loan tends to be the better choice when the debt is already turning into a medium-term problem rather than a short-term one. That often means you are no longer using the card for convenience. You are using it as borrowed money and paying a high price for that access.
It can be a smart move in cases like these:
- You are carrying a balance for several months and do not see a realistic way to clear it soon
- Your card interest rate is much higher than the loan rate you qualify for
- You have debt across two or three cards and want one payment instead of several
- You need a fixed monthly amount so you can build a proper budget
- You want a firm payoff date instead of open-ended repayment
The Biggest Practical Advantage Is Predictability
If your monthly budget is already tight, uncertainty makes everything harder. Credit card minimum payments can rise as rates change or balances grow. Multiple cards also mean multiple due dates, different limits, and a higher chance of missing one payment.
A personal loan can make life simpler. You know the payment amount, the term, and the month the debt should be gone. That makes it easier to plan around rent, groceries, utilities, childcare, and other fixed costs. For many households, that predictability is just as valuable as the interest savings.
When you are comparing offers, a reputable financial institution like, for example, Innovation Federal Credit Union can explain the full cost of borrowing, not just the headline rate. That matters because the real question is not whether the payment looks fine today. The real question is whether the loan will make your debt cheaper, easier to manage, and less likely to come back.
Where People Make Mistakes
Paying off a card with a loan helps only if the card balance stays low afterwards. If the card fills up again, you end up with both the loan and new revolving debt. That is usually worse than the original problem.
Another mistake is focusing only on the monthly payment. A longer loan term can make the payment feel easier, but it may also increase the total amount of interest paid over time. A smaller payment is not automatically a better deal.
Before signing anything, check these points carefully:
- The loan interest rate
- Any origination or administration fees
- The total amount you will repay over the full term
- Whether you can make extra payments without penalty
- Whether the monthly payment truly fits your budget
- What you will do with the credit cards after the balance is paid off
When a Personal Loan Is Not the Better Option
If your credit is weak, the loan rate may not be much better than your card rate. In that case, the savings may be too small to justify the switch. If fees are high, the benefit can shrink even more.
It also may not help if the real issue is cash flow. If your income is not covering regular monthly bills, replacing card debt with a loan does not solve the shortage. The payment may look neater, but the pressure remains. In that case, the better step may be a hard review of spending, extra income, or professional debt advice.
A credit card can still be a better tool when you can pay off purchases quickly and in full. Used that way, a card can be convenient and cost nothing in interest. The problem starts when short-term borrowing quietly becomes long-term debt.
How to Decide
Pull together the numbers for every card you carry. Write down the balance, the interest rate, the minimum payment, and how much you usually pay each month. Then compare that with the full cost of a personal loan offer.
Look at these questions:
- How much interest will I pay if I keep the debt on my cards
- How much interest and fees will I pay with the loan
- How long will each option take to clear
- Can I manage the loan payment even in a tight month
- Am I ready to stop using the paid-off cards for routine spending
If the loan gives you a lower total cost, a clear payoff schedule, and a payment you can genuinely handle, it may be the smarter move.
A Good Loan Strategy Includes a Behaviour Plan
If you use a personal loan to clear card balances, decide in advance what happens next. Some people keep one card open for emergencies and put the others away. Others lower their limits or remove saved card details from shopping apps. Small changes like that can prevent the old pattern from restarting.
Set up automatic payments if possible. Put the loan due date just after payday. Build even a small emergency fund alongside repayment so an unexpected car repair or vet bill does not go straight back on the card. Those steps may sound basic, but they often make the difference between lasting progress and another round of debt.
To Sum Up
A personal loan can be a smarter option than carrying credit card debt when the debt is already lingering, the loan rate is meaningfully lower, and the monthly payment fits your budget without strain. The real advantage is not only lower interest. It is structure, clarity, and a realistic path to being done with the debt.
That said, a loan works best when it is paired with changed habits. If the card balance returns after the transfer, the loan will not have solved much.
Features
The United Arab Emirates are Moving Away from Saudi Arabia
By HENRY SREBRNIK The United Arab Emirates, the world’s third-largest oil producer, quit the Organization of Petroleum Exporting Countries (OPEC) at the end of April. And that’s a very big deal.
Apart from its effect on the cartel’s ability to control oil prices, the move reflects a widening confrontation with Saudi Arabia and a fundamental realignment of alliances as a result of the current Middle East war over Iran, as well as the ongoing civil war in Yemen.
The Saudi-Emirati fracture is not new, but it crossed a qualitative threshold in late 2025. On December 29, Saudi Arabian air strikes targeted an Emirati weapons convoy at the port of Mukalla in Yemen, an act without precedent between two nominal allies. Riyadh then publicly demanded the withdrawal of all UAE forces from Yemeni territory and in early 2026, that call was answered with the dissolution of the Southern Transitional Council (STC), Abu Dhabi’s principal proxy in the country.
The Saudi foreign ministry accused the UAE of pressuring the STC to conduct military operations along the kingdom’s southern borders, describing the move as a direct threat to Saudi national security and a “red line” for Riyadh that it would not hesitate to confront.
These developments also point to a significant Emirati miscalculation. By backing the STC’s advance into eastern Yemen along the coast, Abu Dhabi has sought to build leverage over Saudi Arabia and Oman while consolidating its influence across the Arabian Sea and the Horn of Africa.
The Emiratis, however, underestimated both Riyadh’s willingness to assert itself directly in its immediate neighborhood and its enduring leverage over Yemen’s political and military actors. The episode emphasizes a central reality of the conflict: While the UAE has built deep influence through local partners, Saudi Arabia remains the decisive external actor in Yemen.
Saudi Arabia seeks to preserve the territorial integrity of Arab states and to position itself as a regional stabilising power. The UAE, on the other hand, has built, since 2015, a doctrine founded on force projection through non-state actors in Libya, Sudan, Somalia and Yemen.
The UAE has backed the rebel Rapid Support Forces (RSF) against the Sudanese Armed Forces (SAF) in the Sudanese civil war that began in April 2023, while Riyadh supports the latter. In Somalia, breaking ranks with other Arab nations, the UAE became the first Arab and Muslim country to recognise the breakaway region of Somaliland.
“The Saudis want obedience, or at least alignment with their regional policies,” according to Jonny Gannon, a former senior CIA officer with decades of experience in the Middle East. “The Emiratis don’t want to be obedient. They want optionality.”
Most important, in 2020, the UAE became the first Gulf country and only the third Arab country to establish diplomatic relations with Israel under the Abraham Accords facilitated by the first Trump administration. That paved the way for other Arab countries, such as Bahrain and Morocco, to normalize ties with Israel.
The Saudis have attacked the UAE as “Israel’s Trojan Horse” and denounced the Abraham Accords, as “a political military alliance dressed in the garb of religion.” Emirati officials believe the Saudis are waging a deliberate incitement campaign centered on the UAE’s relationship with Israel. After Saudi Arabia bombed the UAE’s partner forces in Yemen last December, Saudi posts criticizing Israel spiked dramatically, with 77 per cent of the comments attacking the UAE as “Israel’s proxy executing Zionist plans to divide Arab states.”
The accords helped deepen economic, cultural, trade, investment, and intelligence cooperation between the UAE and Israel, which extended to defence as well. This is perhaps why Iran made the UAE its biggest target in the current war. Iran has launched roughly 550 ballistic and cruise missiles and over 2,200 drones specifically at the Emirates. For years, the UAE had pursued a strategy of “omni-alignment,” attempting to maintain deep security ties with Washington and economic ties with Beijing, while fostering a détente with Tehran to protect its status as a safe haven for global capital.
The Iranian bombardment violently disproved this thesis. It proved that economic integration and diplomatic hedging do not grant immunity when regional hostilities boil over. In a historic move, Israel deployed an active Iron Dome battery, accompanied by dozens of Israel Defence Forces operators, directly to the UAE to help defend Emirati airspace against Iran. This marked the very first time Israel deployed its premier air-defence system and its own troops to protect a foreign Arab nation. The UAE realized that when its survival was on the line, the Arab League issued statements, but Israel sent interceptors.
This traumatic realization served as the catalyst for Abu Dhabi to aggressively assert its own sovereignty, deciding that if it must endure the costs of a regional war, it will no longer subvert its economic or political interests to regional consortiums that offer no tangible protection.
So Abu Dhabi has made a choice that goes well beyond energy policy. It is purchasing American strategic goodwill, at the precise moment when its regional alliance framework is collapsing and when it needs a substitute security guarantee. With Iran having conducted direct attacks on Emirati territory and shipping, and with Saudi Arabia having shifted into open confrontation mode, Abu Dhabi’s strategic calculus has fundamentally changed. Washington is no longer a preferred partner. It has become a necessity.
Henry Srebrnik is a professor of political science at the University of Prince Edward Island.