Features
Former Winnipegger Zev Cohen publishes book of short stories: “Twilight in Saigon”
Former Winnipegger Zev Cohen, who now lives part of the year in Israel and part of the year in Calgary, has just published a book of short stories titled “Twilight in Saigon”. The book is available for purchase on Amazon. Here is how the book is described on Amazon: This eclectic collection of stories crosses genre lines – war, crime, romance, espionage, science fiction, fantasy –
as it moves in time from World War II through the present and into the distant future. Its common thread is humanity and love in the face of adversity.
A journalist finds love and misfortune in the upheaval of the Vietnam war.
Working for the West, a spy is saved from the hands of the KGB.
A straight-laced British accountant finds the love of his life and evil in Hong Kong.
Immigrants grapple with despair, love, and the vicissitudes of life in new surroundings.
Politics, love and tragedy in the life of a president.
Stationed on a distant world, a Terran ambassador adapts to an alien culture as love overcomes sentient diversity.
A loyal android fights for his cruel leader.
Teenage romance during the Six Day War.
A day in a dog’s life.
…and much more
We present here one of the stories from the book, titled “Gulfs and Pleasures”:
I DO NOT RECOMMEND HAVING SEX WHILE WEARING A GAS MASK. BEYOND the empirical fact that it prevents kissing from being part of the act, it’s difficult to breathe during the strenuous effort. Within a couple of seconds, the mask fogs up, and you can’t see a thing. Moreover, the waves of giggling break your concentration. Try imagining what a naked woman and a naked man look like while wearing gas masks. You’d have to agree with me that it looks funny if not grotesque. But when there’s no choice, you do what you must do and enjoy it, if only in a limited way.
I called Orna’s cell phone as soon as the siren went off in the middle of the night. She picked up after the first ring.
“Are you alright? Is he at home?”
“No. Two hours ago, he was called up and ran off to join the guys and play war. I don’t believe that he’ll be back today. Who knows how long it will last? It’s scary, and we didn’t even prepare an airtight room. He insists that there’s no chance that it will hit us of all people. Anyway, what does he care? He’s sitting in the underground bunker ogling the girl soldiers. Nothing will happen to him.”
Orna was one of the regular participants in my first-year course on the history of European art since the Renaissance that I ran in the large lecture hall of the Gillman building. She used to sit in the front row with the other “stenographers.” Those were the co-eds who conscientiously scribbled down every word that came out of my mouth, including flat jokes and burps. She was older than them, mature and sure of her intelligence amid those Barbie dolls. As opposed to them, she would, from time to time, fire a challenging comment that proved she was listening carefully and under- standing. To my shame, or not, I wasn’t attracted to her brains, although they did arouse my curiosity. As I droned along, lecturing on autopilot, my look wandered from her hazel-green eyes to the swell of her breasts and her shapely legs. What could I do? Even a professor is a human being, isn’t he? On a depressing winter’s day, between perusal of desolate seminar papers on the play of light and shadow in Venetian painting and suicidal thoughts, I ran into her in the cafeteria. The usually hectic and packed room was unusually quiet. We were alone, not counting Sonia behind the counter. Perhaps the atmosphere of impending doom chased the regular café denizens away.
I’ll jump forward because there’s not much to say about the develop- ment of our relationship. We didn’t go for in-depth discussions about art, politics, or interpersonal relations. There was no sophisticated seduction or so-called love at first sight. We were two lonely people with their eyes open, who found something in each other that had been missing up to that specific moment. We went for it. For me, her presence filled a void that was characteristic of my life here since returning from New York and a string of what Erica Jong called “zipless fucks.” She never revealed what she found in me. I doubted that it was about my less than god-like physique. I didn’t ask for fear of bursting the bubble. I didn’t want to find out that I was just a reasonable alternative to Amnon, her here again, gone again husband. And the sex was great.
“Amnon will always be Amnon,” I replied with a tinge of baseless hypocrisy. “With or without Iraqi ground to ground missiles, he’ll always look out for number one. Anyway, you always know how to take care of yourself.”
I couldn’t help adding a bit of pretentious and hollow male know it all superiority, and I said, “But he’s right about one thing. The chance that a missile will land on top of you, in Ramat Gan of all places, is tiny.”
“Yes, definitely, Mr. Professor of art history and great international expert on ballistic missiles,” she shot back, taking me down a few notches. “Do you suggest that I drink a glass of water and calm down? In a minute, you’re going to replace Nachman Shai.”
I tried another tack.
“I can be over at your place in a few minutes to set up an airtight room. I’ve been hoarding plastic sheeting obsessively for months, and I’m sure there’s a technical drawing by Da Vinci that could guide me through it.” She giggled. It worked. She could have guessed that my building skills were negligible, but there was nothing like a bit of self-deprecating humor to bring her around and hide the truth. She accepted my generous offer, and I was on my way before she put down the virtual receiver.
The streets were abandoned at that early hour. The oily puddles left by the rain reflected the brake lights of the few cars on the road. On the radio, there was an endless stream of talking and talking. Nobody could say what was happening. Were we hearing distant explosions or just echoing thunder? Should we put on our masks or take them off? It all just went by me. My thoughts focused on expectations of Orna – hot caresses, electrifying touches, sweet breath, erect nipples, wet, wet, wet.
Here’s another suggestion for my male friends. Don’t come to your lovers tight as a spring, heart beating rapidly with passion and sweaty palms. And it doesn’t matter if it’s the first day of war or any other circumstance. You’ll come, in every meaning of the word, and it’ll be over in seconds. Much too quickly.
We were getting ready for another round when the second siren went off. Being good citizens, we put on our masks and checked the limits of human sexual capabilities under the threat of chemical attack. Between bursts of muffled laughter and the pungent smell of rubber, we got a passing grade for the efforts invested.
The cell phone rang, and Orna answered. “It’s him,” her lips expressed silently. Amnon.
“Yes, I understand. I’ll think about it. I’m not sure that it’s a good idea. She must already be hysterical, and she’ll make me crazy too. That’s the situation. Yeah, it’s disgusting, but I got them out of the attic, and if they tell us to, I’ll put on the mask. Be careful. Call me when you can. Kiss, kiss. Bye.”
She looked pale. “It looks as though it’s serious this time,” she explained after the short conversation with her loving and concerned husband. “His unit is moving, and for the next few days, he’s not coming home and won’t be available on the phone.”
“Where is he going? Somewhere around here?” I wasn’t asking because of some sudden fear for Amnon’s safety. I just wanted to weigh the chances that he might show up by surprise and see what the civilians were doing in the rear…at his home.
“He said that it’s secret and he can’t talk about it. He wants me to move in with his mother in Jerusalem until things calm down. You heard what I told him. It’s out of the question.”
Amnon’s secret location was troubling. My plan to get comfortable in Orna’s bed for the next few days has a whiff of danger about it now. Suddenly he calls. Suddenly he’s worried about her and wants to send her to Jerusalem. What is he scheming? He might even show up unannounced to see if she was okay.
There wasn’t much time to consider the options, as the undulating howl of a siren broke the silence. This time we could distinctly hear the distant boom that followed it. The minute that the all-clear sounded, we were in the car on our way to Eilat. We even sang “Heading South to Eilat” loudly on a childish high at 4 a.m. On the Arava highway, we joined a slowly crawling jam of vehicles. It appeared that others, lots of them, came up with Orna’s brilliant idea to get out of the bull’s eye and as far outside of the missiles’ range as possible.
Orna wanted us to move into a holiday apartment in the southern town owned by her former schoolmate, best friend, and current neighbor, Rachel. Thanks to her outstanding bodily dimensions, Rachel had taken up a modeling career that frequently brought her to Paris, London, and New York. She changed her name to Tiffany and, when traveling, left the keys to her apartment and the Eilat hideaway with Orna. She often invited her and Amnon to use the Eilat domicile. I tried to convince Orna to come to a hotel with me to survive the war in bed with room service.
Near Beer Ora, Amnon called again. He heard as we did that a missile had hit Ramat Gan, destroying his and my low probability theory.
“Calm down. I’m still at home, and nothing happened on our street,” she told him. “There was a giant explosion, pretty close by, and the walls shook, but nothing more than that.” The lies slipped off her tongue smoothly. What else could she say?
“I might go to your mother’s later. In the meantime, if you can’t reach me on the phone, it’s because I’m down in the shelter. I don’t trust that plastic sheeting that we don’t have anyway.”
After saying goodbye with kisses, she reported no chance that he would make it home in the coming days. He must make do with the underwear he took with him. I breathed easier.
In Eilat, we dragged from hotel to hotel, the bed and room service plan falling to pieces. The same scene played out everywhere. Lobbies had turned into battlefields between separate Jewish combatants. Israel war-time solidarity gave way to exchanges of curses, pushing and shoving, and an awakening of Sephardi-Ashkenazi infighting. Never did hotel managers discover so many long-lost close friends from school and the army, relatives on the side of granny from Afula, and various other people with exclusive rights. Everyone was squeezing up against the reception desks trying to get hold of even the smallest partially furnished closet. It was a nightmare. In one of the luxury properties, the security guards were unsuccessfully attempting to take apart an outpost of suitcases and sleeping bags established by two families with a hive full of nervous brats.
Again, it’s Amnon on the phone. Orna shouldn’t try to reach him at his unit. He won’t be available due to radio silence and communications security. That’s fine, I thought. The walls have ears.
We dredged up Orna’s original plan. In a few minutes, we found the holiday apartment building. It was a nondescript structure with balconies overlooking a dilapidated neighborhood minimarket. The elevator was out of service, so we climbed the stairs to the fourth floor. On each landing, we stopped for a couple of moments of hurried necking, expecting what was coming. Hands were sent out to intimate parts, lips locked, tongues writhed. As Orna tried to fish the keys out of her bag while loosening my belt, I was busily unbuttoning her blouse to get at her bra.
The door opened, and we fell into the apartment. A pleasantly cold gust of air from the air conditioner welcomed us in. Someday had left it on since the last visit. We couldn’t wait for the bed. Clothes were rapidly removed and thrown aside, and the plush carpet hosted our vigorous sexual duet.
Eventually, things calmed down, and we could hear muffled, unidenti- fiable voices coming from somewhere else in the apartment: mumbling, quiet moaning, a cadence of creaking. We got up to check the noises that seemed to be coming from behind the closed but flimsy door of the bedroom. Just in case, I picked up a thick rolling pin in the kitchen. I pushed the door open, and no terrorist jumped me. Only Orna’s somewhat hysterical laughter penetrated my consciousness. Amnon pulled back from between Tiffany/Rachel’s legs spread wide as though bitten by a snake and stared at us incredulously.
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.