Features
The Zylbermans look back on 25 years of having come to Winnipeg from Argentina
By BERNIE BELLAN While there has been a large influx of Jewish immigrants into Winnipeg over the past 25 years, perhaps one of the most interesting stories of how one family made the decision to come here is the Zylberman family’s – when one learns how much their decision to come here was totally a matter of chance.
Mauricio and Marta Zylberman, along with their three children: Ariel, Leandro, and Melina, arrived here in 1997 – during one of the worst snow storms in Winnipeg history, and just in time for what became the “flood of the century.”
But how the Zylbermans ended up in Canada – and a city about which they knew almost nothing at the time, is quite a fascinating tale. Although their decision to come here was taken somewhat arbitrarily, the Zylbermans quickly established strong roots in the community and have been deeply involved not only in Jewish life, but many other aspects of life in Winnipeg as well.
The story begins with a turbulent period in Argentina’s history, when the economy was cratering and Argentina was about to enter into a period that is now referred to as the “Argentine Great Depression,” which lasted from 1998-2002. Prior to that period Argentina’s economy had stagnated severely. Not only that, Buenos Aires, which is where the Zylbermans lived, had become a dangerous place where, as Mauricio Zylberman explains, the “corruption” and crime were terrible.
He says that every night, when he would come home from work, he “would have to drive around the block to make sure no one was waiting for me before I would get into my house.”
And yet, as Marta Zylberman describes their situation at the time, “we were very successful.” Their wanting to leave Argentina, she observes, “wasn’t about money. We were trying to get a better future for our kids,” she notes.
I asked them what they did in Argentina. Marta says she was a “stay at home mom and Mauricio was an accountant.”
The two boys were teenagers in 1997; Ariel was 16, Leandro was 14, and Melina was 11. Mauricio and Marta were themselves already in their 40s, so picking up and starting over in a new country – without even knowing where they might go, was definitely a challenge not for the faint of heart.
Their first choice was to get a green card for the United States, but “we couldn’t get it,” Marta says.
So, as she notes, in 1996 Marta decided to contact three different embassies: the Canadian, the Australian, and the New Zealand embassies and, as she puts it, “whoever is going to give us an answer, we’re going to go for it.”
“Canada and New Zealand were very welcoming,” Marta says, but “not the same situation with Australia.”
Eventually the Zylbermans were invited to an interview at the Canadian embassy.
I asked Marta and Mauricio whether they were even thinking about coming to Winnipeg at that time? “Was Winnipeg even on your map?” I asked them.
“No,” Marta answers. “We didn’t even know about Winnipeg.” (What eventually would turn into a major initiative undertaken by the Winnipeg Jewish Community Council – later to become the Winnipeg Jewish Federation, to attract Argentineans to Winnipeg had not yet begun.)
“When we put in the application and we were asked where we wanted to go, we said Toronto or Ottawa,” Marta says.
The Zylbermans could have gone anywhere they wanted in Canada because they were approved for visas but, at the end of their interview at the Canadian embassy, Marta says that the woman who was conducting the interview showed them some flyers that she thought might help them in their decision-making process.
According to Marta, that woman said, “You’re not going for an exploratory visit anywhere. But because you are Jewish and you have teenagers, and you are a family of five, why don’t you take these flyers that are related to the Jewish community in Winnipeg, so if you decide to change your mind and you want to go to Winnipeg (instead of Toronto or Ottawa), just let us know.”
The Zylbermans looked at those flyers. Marta notes that the flyers talked about how many restaurants there were in Winnipeg per capita, how many lakes were nearby – but there wasn’t anything about “the temperature” in Winnipeg, and there certainly wasn’t any mention of blizzards !
Mauricio picks up the story at that point, saying that when they got back from the embassy, he was intrigued at the notion of moving to a city with an established Jewish community, one that the individual at the embassy described in glowing terms. That very same day, he says, he sent a fax to the Winnipeg Jewish Community Council (noting that this was before the advent of the internet), expressing an interest in coming to Winnipeg.
Apparently that fax was fielded by Evelyn Hecht, who was the Community Relations Director for the WJCC at the time, and within a couple of hours Mauricio said he received a fax back from someone in the Manitoba government asking how could they help with the Zylbermans settling in Winnipeg.
Mauricio says that it was “astonishing to have an answer back within a couple of hours. I said to Marta, ‘If these people are giving an answer back in a couple of hours, that’s the place we should go’.”
Mauricio points out that the Provincial Nominee Program, which was begun by former Premier Gary Filmon, had not yet been established. It was that program, along with the concerted efforts of individuals such as Evelyn Hecht and Bob Freedman, who was executive director of the WJCC, along with the late Larry Hurtig, a Past President of the WJCC, and the aforementioned Gary Filmon – who all saw the potential benefit of trying to attract Argentinean Jews to Winnipeg that led to a largescale immigration to Winnipeg at the end of the 1990s and in the first decade of this century..
As Mauricio points out, however, when the Zylbermans arrived in Winnipeg that fateful day in April 1997, “there were only three other Jewish Argentinean families that had moved within recent years to Winnipeg.” (Eventually the number of Jewish families or individuals to arrive here from Argentina grew substantially, to the point where the figure of 400 individuals was bandied about as the number of Argentinean Jews who had immigrated to Winnipeg. However, as Mauricio acknowledged during our conversation, many of those individuals used Winnipeg as a stepping stone to eventually relocating elsewhere in Canada. It’s difficult to know exactly how many Argentinean Jews have remained in Winnipeg, but according to the 2016 Census there were only 475 individuals of Argentinean descent living in Manitoba that year. It’s possible that the majority were Jewish, but the fact is that, like most questions revolving around how many Jews actually live in Winnipeg, we really don’t know the answer.)
As I already noted, the Zylbermans didn’t have a clue what was in store for them as far as Winnipeg weather was concerned. For anyone reading this who was here at the time, memories of the blizzard that began on April 5 of that year, and which saw a total of 48 centimetres of snow fall in a 24-hour period are probably still quite vivid (along with the memories of a good part of southern Manitoba turning into one vast lake).
Yet, even before that blizzard began to hit, Winnipeg was already under a heavy blanket of snow. As their plane began its descent into Winnipeg, Marta says “all they could see was white.” She turned to Mauricio and said, “Omigod – what are we doing here?”
But, when the Zylbermans saw the large troupe that had turned out to greet them upon their arrival here, including Evelyn Hecht, along with Roberta Hurtig (who, along with husband Larry, Marta described as their “Winnipeg family”), as well as a representative from Toronto for JIAS (the Jewish Immigration Aid Service), they felt quite relieved.
Another individual who provided invaluable help to the Zylbermans was Gustavo Rymberg, who was a graphic designer working for the YMHA at the time, and who had arrived in Winnipeg just a few months prior to the Zylbermans’ arrival. Gustavo has gone on to forge a successful career working for other Jewish federations in Canada, first in Ottawa, and more recently in Hamilton, where he is now executive director of the Hamilton Jewish Federation.
Marta acknowledges how hospitable members of the Jewish community were when the family first arrived in Winnipeg. “We were invited to so many houses, but it was exhausting,” she says.
“We had to translate in our minds what they were saying – and then put into English what to answer.” (I remarked though that both Marta’s and Mauricio’s English is now quite good.)
It wasn’t only members of the Jewish community who rolled out the welcome mat, Marta adds. She recalls how friendly and helpful many individuals were to her when the Zylbermans first arrived here and she was shopping for such things as winter boots – even for a car.
And, despite the snowstorm that greeted the Zylbermans soon after their arrival, according to Marta, their biggest problem wasn’t getting used to the snow, “the fateful moment was when Mauricio realized that he wasn’t recognized as a CGA here,” which is what he was in Argentina.
I asked the Zylbermans whether they didn’t know that Mauricio would not be able to practice as an accountant before they got here?
“No, we didn’t know anything,” Marta answers.
As Mauricio adds, when they visited the Canadian embassy in Buenos Aires, they were told “the number one thing we need in Canada is accountants.”
Unfortunately, despite Mauricio being fully credentialed as an accountant in Argentina, and having had years of experience practicing the profession there, upon their arrival here he was told “you’re not certified here. Become certified – and you’re good to go.”
Mauricio explains that prior to coming to Canada he had contacted the California body responsible for certifying accountants in that state (and remember – the Zylbermans’ first choice was to emigrate to the US, preferably California) and was told that all he needed to do was take the qualifying exam in that state in order to be licensed as a Certified Accountant. Mauricio assumed that the same rule would apply in Canada, hence his surprise and disappointment at finding out that wasn’t the case here.
As a result, Mauricio says he spent almost four years taking the courses required to be certified as an accountant in Manitoba. He did find work related to his training, he says, but for four years Mauricio explains that he would work from 9-5, then head to Red River College to take accountancy courses in the evening. Eventually he completed the required courses and was certified again as a Certified General Accountant.
As things turned out, the relocation of the Zylberman family to Winnipeg proved fruitful for every member of the family. Ariel, Leandro and Melina went on to spend many years dancing with the Chai Folk Ensemble. Marta and Mauricio became part of the Chai family as a result and made many lifelong friends.
Both Marta and Mauricio have also been heavily involved with the Israeli pavilion at Folklorama. It was there that they met Richard Swyston, Mauricio notes, who has also been a longtime volunteer at the Israeli pavilion. The Zylbermans now count Richard and Gemma Swyston among their friends.
Ariel and Leandro attended Kelvin High School upon their arrival in Winnipeg, and both went on to university here. Ariel was actually a Rhodes Scholar and ended up obtaining a PhD in Philosophy. (I noted that he’s a Doctor of Philosophy who is a real “Doctor of Philosophy”.)
Marta recalls how impressive an achievement Ariel’s becoming a Rhodes Scholar was: “Here he was, not only an immigrant, but a Jewish guy,” she remarks.
Marta says though that unfortunately, Ariel was unable to find work in Winnipeg and, as a result, he is now teaching in the US.
Leandro and Melina, however, have remained in Winnipeg, where Leandro works as a lawyer and Melina as a doctor (psychiatrist).
Marta has also gone on to forge a career in real estate, but she waited until she felt comfortable enough with her English to pursue that career, she says.
At the end of our conversation, I said to Marta and Mauricio what a nice gesture it is for them to thank the Jewish community for welcoming them here. (As a matter of fact, the Zylbermans also thanked the community within the pages of this paper 15 years ago, upon the 10th anniversary of their having arrived here.) I noted though that, considering the Zylbermans’ arrival in Winnipeg coincided with what became the “flood of the century” and, with all the snow we’ve had this winter, I hoped that reminding readers of what we went through 25 years ago wasn’t going to cast some sort of jinx on us – and lead to yet another weather catastrophe.
The Zylbermans, however, insist that for all the harping that people do on the weather here, this is one fabulous city – and despite how arbitrary their decision to come here may have been, it is one that they and their children will always think of as the best decision they could ever have made.
Features
Basketball: How has Israel become one of the best basketball countries in Europe in the last few years?
When Israeli Deni Avdija became the first Israeli to be drafted as the highest Israeli draftee in NBA history in 2020 – then emerged as a key NBA wing in Portland, it was not so much the breakthrough it appeared to be, but a portent of things to come. Israeli basketball development has been decades in the making, and in recent years its clubs have made Europe take notice.
This is why Maccabi Tel Aviv, Hapoel Tel Aviv, and the national basketball team of Israel are now the subjects of serious discussion in European basketball. It is only natural that fans and bettors reading form, depth of the roster, and momentum would look at our Euroleague predictions and then evaluate how Israeli teams would fit into the continental picture.
A rich history: The Maccabi Tel Aviv mythos
The contemporary narrative dates back to before Avdija. Maccabi Tel Aviv won its maiden European Cup in 1977, beating Mobilgirgi Varese and providing a nation under pressure with a sporting icon. Tal Brody’s declaration: “We are on the map” became not just a quote, it became a declaration of Jewish confidence, Israeli strength and a basketball dream.
Maccabi turned out to be the team of the nation since it bore Israeli identity past the borders. Maccabi has been a cultural ambassador before globalization transformed elite lists into multinational conundrums. Its yellow jerseys were the symbol of excellence, rebellion, and identification for the Israeli people at home and Jewish communities abroad.
The six European championships for the club provided a benchmark that has influenced the Winner League and Israeli basketball. Children were not just spectators of Maccabi, they dreamed of Europe as something accessible. Coaches studied in the continental competition. Sponsors and broadcasters realized that basketball had the potential to be the most exportable Israel team sport.
The modern pillars of Israeli basketball’s success
The recent ascendancy of Israel is no magic. It is the result of history, astute recruiting, youth-building and pressure-tested league culture. The nation has made its size its strength: clubs find talent at a young age and enhance the potential with foreign professionals.
Nurturing homegrown talent: The Deni Avdija effect
The most obvious example is that of Avdija. He was a high-ranking contributor in the system of Maccabi Tel Aviv, was chosen as a teenager, and was picked number 9 by Washington in the 2020 NBA Draft. His career was a reminder that an Israeli prospect could be more than a local star; he could be a lottery pick with two-way NBA potential.
Israeli NBA player Omri Casspi had already opened that door, and Avdija opened it even further for the next generation. Their achievements captivated the expectations of youthful players in Tel Aviv, Jerusalem, Holon, Herzliya, etc. An Israeli teenager is now able to envision a path from youth leagues to the Winner League, the EuroLeague, and ultimately – NBA minutes.
It is that dream that has been followed by investment. Israeli clubs put more emphasis on skills training, strength training, and analytics, as well as international youth tournaments. The success of the national program in the face of the best of Europe has also helped.
A global approach: The role of international and naturalized stars
The other pillar of the Israeli basketball program is the openness of Israel to global talent. The Winner League has been an important destination, not a stopover, for American guards and forwards. Most come in with NCAA or G league experience and become leaders due to the fact that the league requires scoring, speed and tactical flexibility.
It is enriched with naturalized players and Jewish players, who are able to use the Law of Return to come to Israel to play. Inspired by legendary players like Tal Brody, current imports who can bond both professionally and personally with Israelis have provided teams with uncharacteristic diversity in their rosters. The outcome has been a mixture of Israeli competitiveness, American shot making, Balkan toughness, and European spacing.
Making waves in Europe: Israel’s modern Euroleague footprint
Even in challenging seasons, Maccabi Tel Aviv has remained the flagship team. Currently, Maccabi is out of a playoff spot in the EuroLeague, but Hapoel Tel Aviv has shot up in playoff discussion. That juxtaposition speaks volumes: Israel is no longer represented by one lone, iconic club. Its profile has expanded.
Nevertheless, it is true that the reputation of Maccabi in the EuroLeague does count. Menora Mivtachim Arena in Tel Aviv is one of the most intimidating arenas for EuroLeague teams to play in: loud and emotional. Recent security and travel realities have affected the usual home-court advantage but the name of the club is still a potent brand.
It is the reason why there is an interesting betting discussion within Israeli teams. The name Maccabi still retains a historical impact, but analysts also need to quantify the present defensive performance, injuries, substitution of venues and guards, and fatigue in the schedule. The emergence of Hapoel has provided another Israeli point of reference and markets have to regard the nation as a multi-club force.
What’s next? The future of Israeli basketball on the world stage
Sustainability is the second test. The Israeli national basketball team desires more serious EuroBasket performances and a future world cup. It requires Avdija types – fit and powerful, more domestic big men, and guards capable of playing elite defense to get there.
The pipeline is an optimistic one. Israeli schools are more professional, teams are bolder with young talents, and the Winner League is a test ground where potential talents have to contend with older, tougher imports each week. Not all players will turn into an Avdija, yet additional players ought to be prepared to participate in EuroCup, EuroLeague, and even NBA games.
To the Jews in the Canadian diaspora, the impact is not only sporting, it is also emotional. Israeli basketball brings pride, drama and a common language to the continents. To the European fan, it provides tempo, creativity and unpredictability. To analysts, it provides a sign that a small nation, with memory, ambition and adaptation, can rise to become a true basketball power. Israel has ceased to be the unexpected guest on the table of Europe. It is a part of it, season after season.
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.