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How Elliot Rodin was inspired to create a website offering advice on when to take your Canada Pension

Elliot Rodin

By BERNIE BELLAN   In 2019 Elliot Rodin happened to read an article about an authoritative U.S. report that provided a detailed analysis showing that 94% of Americans pick the wrong time to begin taking Social Security benefits. Reading about that report led to a shift in Rodin’s life.

Two years after closing down the business (Central Grain) that had been in his family’s hands for over 60 years, Rodin says that he then had time to think about the implications of that US report – and how it could translate into the Canadian scene.

Now, some 15 months after reading about that U.S. report, Rodin has launched a website titled HelpYouRetire.ca.

Long an active member of the Jewish community, Rodin says his most recent involvement in the community was helping to build Oholei Torah Day School at the Jewish Learning Centre in Winnipeg. He says he’s also been on the board of the Shaarey Zedek Synagogue, the Board of Jewish Education, the Winnipeg Jewish Community Council, the Jewish Foundation of Manitoba, and had been a canvasser for the CJA for years, beginning under Ralph Hamovich. He was also a co-chairman of the Operation Exodus campaign.

Still, it’s a long way from running a cattle feed business and volunteering for different Jewish organizations to creating a website intended to help individuals plan their retirement dates.
Using very sophisticated analytical tools, HelpYouRetire.ca allows users to enter information about their age, the age at which they would like to retire, how much they would expect to receive in either CPP/QPP or OAS at a certain age, and how much more they could expect to receive if they were to postpone taking either CPP or OAS by just one year. This financial gain is also shown both as a percentage of future pension proceeds and as a percentage of the annual pension. For a small fee, all of this information can be shown in the “advanced analytics” for all years up to age 69. The information (which can be downloaded) is displayed in bar charts and a numeric chart together with the projected annual pensions.

This information is of great value for anyone thinking about their retirement planning. It can also be very helpful to those who have recently started taking either CPP/QPP or OAS pensions. A little publicized provision of these plans is that within six months of starting to receive one of these pensions, you can reverse your decision by paying back the monies received. In that event, you can take the related pension at a later date. The “advanced analytics” on HelpYouRetire.ca can give you information to assist in making that decision.

 

But, before we launch into a further exploration of how Elliot Rodin came to be involved in an endeavour that was far removed from selling cattle feed – which was the primary activity of Central Grain, we thought it might be interesting for readers to know something about Rodin’s life. During a long phone conversation we had Rodin told quite an interesting story how he ended up being involved with Central Grain for 60 years – when, had it not been for a fire there in 1966, he probably would have ended up doing something completely different.
While his recent foray into the world of retirement planning might be considered a radical departure for someone who spent so much time in the feed business, when you read about his educational background and his first entry into the business world, you’ll begin to understand how he developed the fine analytical skills that eventually lent themselves to creating HelpYouRetire.ca

Born in 1943, Rodin is the oldest of three children. His earliest years were spent living in his grandparents’ house on Bannerman Avenue, he says, along with his parents and, for a short while, his younger sister, Janis.
“My father (Maurice) was a fruit store proprietor,” Rodin says. “He would be up early in the morning to pick up the fruit. And because we were living at my grandparents’ house, he wasn’t paying any rent, so he was able to save some money. My mother (Lillian) was a university graduate who motivated all her children to work hard and succeed.”
In 1946, an opportunity arose for Rodin’s father to become, with $10,000, a one-third partner in Central Grain, in partnership with the Kanees and the Malchys. “The Malchy who was involved in the partnership died in 1951,” Rodin explains. “My dad and the Kanees bought out his interest and became half partners.
“In 1956, with the assistance of my grandfather, my dad bought out the Kanees and became the sole owner of Central Grain,” Rodin continues. “Soon after that time we moved to the south end – to 431 Queenston.” However, family connections were maintained as Sunday was the day when the whole family would go to the north end to visit relatives.
As a teenager Elliot says that his involvement in the Toppers chapter of BBYO was very important to him. He and his friends learned to organize themselves for a wide range of social, athletic, cultural and fund raising activities.

But, early on he had a taste of the world of business – both in his father’s company and in his own small scale business.
“When I was 16-17 I would go into the office and help with the bookkeeping – and other odd jobs around the place in the summertime,” he explains.
At the same time though, “I had my own business,” he adds. “I had a grass cutting business.” (At that point Rodin tells a story about how one of his customers didn’t want to pay him. Rodin says that he and his friend, Michael Nozick, proceeded to serve a small claims summons against that individual. Apparently, that was Michael Nozick’s first foray into the legal world. By the way, the customer ended up paying Rodin what he was owed.)
In the early 1960s Elliot began a period in his life that saw him acquire a solid education in finance, starting with his obtaining a Bachelor of Commerce degree from the University of Manitoba in 1963.
Rodin continues his story: “I decided I wanted to go away for my MBA degree. I visited three different schools. I took a bus trip – about 43 hours, to Philadelphia, to the Wharton School of Finance, then to Boston, to the Harvard Business School, and then to Ann Arbor, Michigan, to the University of Michigan.
“I had also put my application into Stanford. I wasn’t accepted at Stanford, but I was accepted at Wharton and Michigan, while Harvard said basically ‘We won’t accept you this year because you’re a little young, but we’ll promise you a place in next year’s class.’
“So I decided to wait a year. I worked in the family business for a year, then I went to the Harvard Business School because that was what I thought was the top place to go. I spent two years there and while I was there I also spent one summer with the Skelly Oil Company in Tulsa, Oklahoma.
“I was working on special projects for the treasurer (of Skelly Oil). One of them was a computerized analysis of how to make oil drilling decisions, but it never got off the ground – even though the analysis was very sophisticated, because the exploration people would not accept it because they saw it as infringement on their turf.
“Still, I learned a lot from that particular project. It was my first serious analytical job that had some relationship to the work I was doing at Harvard (and, as Rodin explains later, proved to be of great value in his recent decision to create a website that emphasizes analytical tools.)
“As it turned out, the treasurer at Skelly wanted to hire me when I graduated, but at that time I couldn’t consider working in the States because I would have been drafted. The fact that I was a Canadian wouldn’t have made any difference.
“If I had been a student I wouldn’t get drafted. I also didn’t take any other opportunities that I had in the States. I limited myself to working in Canada.
“I ended up working for six months in Edmonton for a company called the Principal Group. While I worked there I had a lot of diverse responsibilities. I chose all their stocks for a new mutual fund they set up, and designed the text and written material for their first Annual Report. I also did all sorts of analysis for their mortgage operations.

“Then I got the news that the Central Grain plant had been hit by lightning and three-quarters of it had burned down.
“Central Grain was an animal feed processing plant. During the years that my dad was building it up we were basically selling pellet feed for export to the United Kingdom, to Japan, Taiwan. We would load railway cars with pellets, ship them to Thunder Bay, for destinations in the United Kingdom, or ship it to Vancouver for export.
“When this (the fire) happened in 1966, I had to come back to Winnipeg to help my dad settle all the insurance. There were a lot of issues and we rebuilt the plant, but all the key parts of the plant were burned down.

“I decided to settle down in Winnipeg. I took a job with Investors Group, which was similar to what I had in Edmonton. For the first year I was doing special projects, including a report on tax policy. We recommended how life insurance companies should be taxed. (This was before Investors bought Great West Life.) Most of our recommendations were adopted. We were competing with life insurance companies at that time and life insurance companies weren’t paying their fair share of taxes.
“After that year I did some product analyses. Then I started working for the securities department as an analyst. Over a period of time I became a portfolio manager. I ran the Investors international mutual fund. Then I ran the Investors pension accounts. We managed the Hudson’s Bay pension account.
“I was at Investors for 12 years (from 1968-80) and became a vice-president. I left to pursue some independent activities”, but joined Central Grain when it became clear that his dad needed Elliot’s help.

When he joined Central Grain full time in 1980, Rodin began focusing on broadening the markets for the company’s feed pellets. Markets in Western Canada and the United States were cultivated, but he says that he always made sure that the needs of his regular customers were attended to.
“I never took advantage of the fact that there might be a drought in Southern California, for instance, and short my customers in Saskatchewan because I depended on my regular customers for the long haul,” Rodin says.
“I would work long hours if necessary. If a truck came in late and had to be loaded, I would load the truck myself.
Although Central Grain had become a very successful business, Rodin says that the “maximum number of employees we had at one time was no more than 15. We had one truck, but for the most part we hired other trucking companies. We had a machine shop, but the stuff we couldn’t do – we hired other machine shops to do.
“We bought basically the ‘clean-outs’ from grain – all the leftover product. It was all categorized and separated out and properly blended to make different qualities of feed pellets. There was no plant in North America that shipped product as far as we did. We used to ship up to 2,000 miles. Most feed companies ship up to 200 miles.
“The business ran until about three and a half years ago. We were gradually losing customers for reasons that I can’t quite figure out. I needed additional volumes because the company had substantial overhead – for repairs and maintenance.

“So we started to do fuel pellets. We became the second largest manufacturer of fuel pellets in Manitoba – as a substitute for coal, using the same screenings – but the lower quality screenings. The top quality screenings were turned into top quality feed for cattle and bison.
“I was reasonably successful at doing this, but at the end of the day the plant was an old plant. Remember, it was rebuilt in 1966. What was new in 1966 was not new 50 years later. The costs of maintaining the plant to the standards we had to maintain were going up and up.
“Finally, I made the decision that I’m going to have to close it down. I thought: ‘If I can’t make a living at this, then nobody can.’ I decided I’d have to tear the whole place down – and that’s what I did.
“I realized I was getting older and if I didn’t do it I didn’t want to have my children to have the burden of doing it. So, everything that I had built up over 50 years was torn down. I sold whatever equipment that I could, but the rest all went for scrap.

To return to the initial reason for doing this article, Rodin explains his motivation in wanting to create HelpYouRetire.ca. As we already noted, the catalyst was reading about that U.S. report about social security and “that 90% of people in the United States take their pensions at the wrong time.”
He adds though, that “an additional underlying factor in my motivation is that I missed the daily rewards (not the aggravation) that I got from my job running Central Grain. I loved selling and enjoyed my interactions with customers. At the end of the day when I had loaded four big trucks I came home with a feeling of accomplishment. So, I was primed for another challenge where I could get these feelings back. With this website, I am now focusing on marketing where I have to sell myself and the site.”

I asked Rodin whether there was anything in particular in his background that lent itself to the kind of analytical exercise upon which he was to embark.
He answers that “a course that I took at Harvard Business School and the work that I did at Skelly Oil were very relevant to this process.”
I said though “that it sounds like you would need the same background as an actuary” in order to undertake the project into which Rodin has entered.
Rodin agreed, saying “you’re hitting upon a very key point when you say that, but there are a lot actuaries around. Nobody thought of doing what I’m doing.
“I guess part of the answer is most actuaries are fully employed. There aren’t a lot sitting around thinking about what they can do to help Canadians.
“You have to remember that I spent 13 years as a securities analyst and a portfolio manager, so my mind works in a certain way. Nothing that I did at Central Grain though related to this project.”

I asked what were the first steps that Rodin took in developing his website.
He says: “The first steps were that I needed to see whether I could develop the necessary mathematical models to do what I had in mind. Once I had the mathematical models I began working on the structure of a website that would put these mathematical models into practice.
“I was told by various people that setting up a website is not all that difficult.” (Boy, were they ever wrong when it came to this website!)
After an initial contact with someone who was working on their PhD and thought they might be able to produce the kind of website Rodin was looking to create didn’t pan out, a company in Ottawa that had built a similar kind of website agreed to take on the project.
“The idea was that it was going to take a few months” to create the website, Rodin explains.
“But from the time we started up toward the end of February (just before the pandemic hit Canada in full force) it took until the end of August” to finalize the site.
“Every aspect along the way had to be just right – from the mathematics to the functionality. It had to be there so that even people who don’t know much about computers or websites would be able to use this website. Finally, we reached the point where I’m extremely happy with the site.”

So, having read this far, you might ask yourself: “Why should I go to HelpYouRetire.ca?”
It’s quite an easy site to navigate. As has already been explained, simply enter some basic information and the site will provide you with some quick results about how postponing your decision to begin taking either CPP/QPP or OAS by one year will benefit you – or might have benefitted you if you’re already taking your pension.
Then, as Rodin explained, if you’re wanting to know more about how much more your pension would be affected if you decide to wait even longer to begin taking your pension, for a fee you can obtain access to even more comprehensive analytical tools that will show that. The results might surprise you – and it may end up being one of the most important decisions you might ever make with regard to retirement planning.

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A Left-wing Yiddishist in Western Canada

haim Zhitlovsky

By HENRY SREBRNIK I recently presented a paper on Khaim Zhitlovsky, a major proponent of secular Jewish diaspora nationalism and Jewish nationhood, at the Association for Canadian Jewish Studies annual conference at York University in Toronto.

Zhitlovsky was born in Ushachi near Vitebsk in what is now Belarus in 1865. A leading architect of secular Jewish culture and thought, he was a central figure in the progressive Jewish intelligentsia of the late nineteenth and early twentieth century in Canada and the United States.

At a Jewish International Cultural Conference organized in Paris in September 1937, the Alveltlekher Yiddisher Kultur Farband (YKUF) was founded, and he was one of the supporters. As the honorary president of the YKUF in the United States, Zhitlovsky became an icon of the Yiddishist Communist movement, particularly in western Canada, where he had inspired the founding of a strong secular Yiddish school system. At the fifth Canadian Labour Zionist conference, held in Montreal in 1910, Zhitlovsky had made a plea for Yiddish schools, saying, “If you reject Yiddish, the Jewish proletariat will reject you.” 

During the Second World War, the Communist-dominated YKUF became the most important ideological vehicle for the pro-Soviet Jewish movement in Canada. It included Winnipeg activists such as Dr. Benjamin A. Victor, who had come to Canada in 1912 as a child, from the small town of Zhlobin in Belarus, and grew up in Winnipeg’s North End. He and others devoted their political energies to YKUF work and by early 1941 there were three YKUF reading circles in Winnipeg. 

Much of this activity was also due to the arrival in Winnipeg of the new principal of the Communist-organized Sholem Aleichem School (formerly the Liberty Temple School), Labl Basman. Victor addressed meetings, speaking about the works of Zhitlovsky and Zishe Weinper, both prominent New York-based Yiddishists and YKUF leaders. 

“Dr. B.A.Victor must be counted as being one of the most important workers in the progressive Jewish cultural movement in Winnipeg, and in particular the YKUF,” wrote Basman in the Kanader Yidishe Vochenblat, the weekly newspaper of the Canadian Jewish Communists, in the spring of 1942. “Dr. Victor has always stood in the forefront of every cultural-social movement that has been progressive and in the interests of the masses.”

Winnipeg, which Zhitlovsky visited frequently over the years, was, in the words of Jack Switzer, “a Zhitlovsky fortress.” Zhitlovsky’s 75th birthday in the autumn of 1941 had been celebrated by the organization in all of its branches across the country. When he again visited Canada in April 1942, a new YKUF men’s club was named in his honour in Winnipeg.  Montreal poet Sholem Shtern, in one laudatory profile, depicted Zhitlovsky’s struggle on behalf of Yiddish language and culture, against assimilationists on both left and right, and against Zionist Hebraists. “In Yiddish Zhitlovsky sees that great progressive strength which will enable it to bring into being a new era in Jewish life.” 

So Zhitlovsky’s sudden death on May 6, 1943, in Calgary, while he was on a cross-Canada lecture tour, “hit us like a thunderbolt” and “brought about sadness throughout the country,” declared the Vochenblat.

Labl Basman reported on Zhitlovsky’s last trip to Winnipeg. His two lectures had been attended by some 1,300 people, and, Basman observed, “provided the progressive Jewish community with a clear and outstanding analysis of these catastrophic times.” Zhitlovsky had stressed that support for the Soviet Union was imperative; the USSR needed to emerge from the war strengthened and with a prominent role in any post-war settlement. The Soviet Union was the centre of world progress and Jews would benefit greatly from a strong USSR, since this would mean the end of anti-Semitism and the solution of the Jewish question.

Louis Pearlman of Calgary, who was cultural chair of that city’s Peretz Shule, described Zhitlovsky’s visit to the city where he would pass away, in the Vochenblat. Zhitlovsky arrived in Calgary from Winnipeg on April 28, in good spirits, and was scheduled to give six lectures over a two-week period.  About 100 people turned out for his first lecture on April 30, in the Peretz Shule, on “Socialism and Religion.” 

He spoke again May 2, to 150 people, on “The Spiritual Battle of the Jewish People for its Survival.” His third lecture, on May 4, dealt with Judaism and Christianity and was also well received. But a day later he had a heart attack and was taken to a hospital; he died on May 6. Pearlman accompanied Zhitlovsky’s body back to New York and attended his funeral there.

The Vochenblat reprinted Zhitlovsky’s greetings to Birobidzhan, the Jewish Autonomous Region in the Soviet far east, on its 15th anniversary, which he had released on April 25. “Our Jewish people now has two countries in which a new Jewish life is being built, a normal life” one where Jews will live in Jewish towns and Jewish cities, “just like all the other peoples on earth,” he wrote. “The two countries are Birobidzhan and Erets Yisroel.” They ought not to be seen as antagonistic alternatives, he declared. In both, Jewish life would become “normalized” and Jews would flourish. 

“Every Jewish accomplishment in both countries gives us courage in the struggle for our survival, elevates the prestige of our people in the eyes of the non-Jewish world, and strengthens our desire for the complete national liberation of our people, with the complete rights and strengths of membership in the fraternal family of nations. May the Jewish nation of Birobidzhan have long life and mature in freedom!” 

Of course we now know the Birobidzhan project was a dismal failure, nor was the Soviet Union the “promised land” dreamt of by the Jewish left. Perhaps an entry in the third volume of the Leksikon Fun Der Nayer Yidisher Literatur, published in 1960 by the Congress of Jewish Culture, sums Zhitlovsky up best:

“A man who adopted, abandoned, or lost interest in so many different political programs and causes; who joined, left, or drifted away from so many parties was probably destined, at least in the short run, to oblivion. At varying times, he was a sharp opponent of Zionism and a Zionist, an anti-territorialist and a territorialist, a supporter of the Jewish Labour Bund and one of its harshest critics, a Socialist Revolutionary and an apologist for Bolshevism. He was a kind of ideological nomad, forever on the move” — and so now virtually forgotten.

Henry Srebrnik is a professor emeritus of political science at the University of Prince Edward Island.

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How to Get and Compare Vehicle Shipping Quotes for State-to-State Car Transport

Every year, millions of Americans ship their vehicles across state lines, whether relocating for a new career, purchasing a dream car online, or escaping to a warmer climate for the winter. Navigating the logistics of moving a vehicle can initially feel like a complex puzzle. With dozens of carriers on the market and widely varying pricing structures, knowing how to secure and evaluate accurate vehicle shipping quotes is essential for a stress-free experience.

This guide breaks down exactly what factors influence the cost of interstate auto transport. You will learn how to evaluate your options effectively, understand the critical differences between transport methods, and identify what to watch out for when selecting a carrier. By following these insights, you can ensure your vehicle reaches its destination safely and without overpaying.

What Is Vehicle Shipping and When Do You Need It?

Vehicle shipping is a specialized logistics service where a licensed auto carrier transports your car, truck, or SUV from one location to another over long distances. Instead of driving the vehicle yourself, accumulating mileage, and spending days on the road, a transport company loads your vehicle onto a specialized trailer for delivery.

There are several common scenarios where professional auto transport makes sense:

  • Corporate or Personal Relocation: Moving across the country requires coordinating moving trucks, flights, and housing. Shipping your car eliminates the cross-country drive entirely.
  • Online Vehicle Purchases: If you buy a vehicle from an out-of-state dealership or private seller, auto transport provides a safe way to bring it home.
  • Snowbirds and Seasonal Travel: Many retirees split their year between warmer and cooler states. Shipping a car twice a year is standard practice to avoid long, taxing drives.
  • Military Permanent Change of Station (PCS): Active-duty military personnel frequently relocate on short timelines. Professional auto shipping ensures the vehicle arrives at the new base promptly.
  • Classic or Collector Car Acquisitions: Buyers of rare vehicles at auctions often need enclosed transport to move their purchase without adding road miles.

Types of Car Transport: Shipping vs. Towing

Before requesting estimates, it is important to understand the different transport methods available. The industry primarily divides into standard auto shipping using large multi-car carriers and towing services, which use smaller specialized trucks for specific situations.

Here is a side-by-side comparison of the three main options:

CostLowestHighestMid-range
Vehicle ProtectionBasic (road exposure)Maximum (fully covered)Depends on rig type
Best ForStandard commuter vehiclesLuxury, classic, exotic carsNon-running or damaged vehicles
Typical Delivery TimeStandard (5–14 days)Standard / flexibleFaster for short routes
AvailabilityHigh nationwide coverageLimited specialty carriersHigh broad availability
Average Cost (coast-to-coast)$1,000–$1,500$1,800–$3,000Varies by distance

Open Carrier Transport

This is the industry standard and accounts for the vast majority of all shipments. Your vehicle is loaded onto an open-air multi-car trailer, similar to those used by dealerships to receive new inventory. It is highly cost-effective and readily available, making it the default choice for standard commuter vehicles.

Enclosed Carrier Transport

If you own a classic, luxury, or heavily modified vehicle, enclosed transport offers superior protection. The trailer is fully covered, shielding the vehicle from road debris, UV exposure, dust, and harsh weather. Insurance coverage limits are also typically higher with enclosed carriers, an important consideration for high-value vehicles.

Interstate Towing

Towing typically involves a flatbed tow truck or a single-vehicle hauler. This method is frequently used for non-running vehicles, accident recoveries, or short-distance moves across a nearby state border where booking a full multi-car carrier is unnecessary. Costs are more variable and depend heavily on distance and the type of tow rig required.

What Affects Vehicle Shipping Quotes?

Transport pricing is not a flat rate it fluctuates based on supply, demand, and specific logistical details. When you review estimates from various providers, the numbers will vary based on several key factors. Understanding these variables helps you evaluate quotes accurately and avoid being misled by artificially low bids.

Industry Insight: Open carrier cross-country transport typically ranges from $1,000 to $1,500. Enclosed carrier service for the same route costs approximately $1,800 to $3,000. These figures serve as a baseline for evaluating whether a quote is realistic.

Here is a breakdown of the variables that most significantly impact your final price:

DistanceShort hauls under 500 milesTranscontinental routes (2,000+ miles)
Vehicle Size & WeightStandard sedan or compact carFull-size SUV, pickup truck, van
Transport TypeOpen carrierEnclosed carrier
Delivery TimelineFlexible window (7–14 days)Expedited (1–3 days)
SeasonalityFall and winter (lower demand)Summer and early spring (peak season)
Pickup/Drop-off MethodTerminal-to-terminalDoor-to-door service
Vehicle OperabilityRunning and driveableNon-running (requires winch/special rig)
Route PopularityHigh-traffic corridors (CA–FL, NY–TX)Rural or remote destinations

Larger vehicles, such as full-size SUVs and pickup trucks, occupy more physical space on the trailer and add considerable weight. Carriers must carefully balance loads across trailer axles to comply with federal weight regulations, which is why heavier vehicles consistently attract a higher shipping fee. Non-running vehicles require special handling equipment and add time at pickup, which is also reflected in the price.

How to Get Accurate Vehicle Shipping Quotes

Obtaining reliable estimates requires more than submitting a basic inquiry. The more precise the information you provide upfront, the more accurate your quotes will be and the fewer unpleasant surprises you will encounter at pickup.

Follow this step-by-step process to get comparable, apples-to-apples estimates:

  1. Gather your vehicle specifications: year, make, model, trim level, and whether the car runs and drives under its own power.
  2. Determine your ideal timeline: your earliest available pickup date and your required delivery window.
  3. Decide on transport type: open or enclosed, based on your vehicle’s value, condition, and your budget.
  4. Request multiple estimates: contact at least three to five providers to establish the current market rate for your specific route and vehicle.
  5. Compare total cost, not just the base rate: ask whether the quote includes insurance coverage, fuel surcharges, and any accessorial fees.
  6. Verify credentials before booking: confirm the provider’s MC number and USDOT registration through the FMCSA database.

To streamline this process and ensure you are evaluating vetted, licensed companies side by side, you can gather and compare vehicle shipping quotes in one centralized place rather than tracking down individual providers manually.

Broker vs. Direct Carrier: Know the Difference

One of the most commonly misunderstood aspects of the auto transport industry is the difference between a broker and a direct carrier.

  • Auto Transport Broker: An intermediary who connects customers with a network of independent owner-operators and carriers. Brokers offer wider availability and competitive pricing through volume, but you may deal with a third party throughout the process.
  • Direct Carrier: A company that owns its trucks and employs its drivers directly. Communication is streamlined, and there is a single point of contact from pickup to delivery.

Neither model is inherently superior. Brokers often have better availability on difficult routes; direct carriers can offer more consistency on popular corridors. Always ask which model the company uses before committing.

State-to-State Car Towing: What You Need to Know

While standard shipping is ideal for long-distance moves, specialized towing is sometimes the more practical choice. If your vehicle has suffered a mechanical failure, sustained collision damage, or you need to move it a short distance across a nearby state border, flatbed towing provides a faster solution.

When arranging state to state car towing, there are specific legal and logistical requirements to keep in mind. Tow trucks crossing state lines are considered interstate commercial vehicles and must comply with Federal Motor Carrier Safety Administration (FMCSA) regulations, including maintaining a valid USDOT number, adhering to Hours of Service (HOS) rules under 49 CFR 395, and carrying appropriate federal insurance.

Additionally, each state along the route enforces its own rules on trailer dimensions, brake requirements, and weight limits. For example:

  • Width limits are fairly consistent nationwide, generally capping out at around 8.5 feet.
  • Height limits typically fall between 13.5 and 14 feet, though some states differ.
  • Trailer brake requirements vary significantly: New York requires brakes on trailers at just 1,000 lbs GVWR, while Texas sets that threshold at 4,500 lbs.
  • Total vehicle-and-trailer combination length limits range from around 55 feet in stricter states to 85 feet in states like Wyoming.

If your car is inoperable, meaning it cannot steer, brake, or roll under its own power, you must explicitly disclose this to the provider before booking. The driver will need a truck equipped with a specialized winch or a tilt-bed flatbed to load the vehicle safely. Failing to disclose this detail upfront will result in delays, additional charges, or outright cancellation at the pickup location.

How Insurance Works During Auto Transport

One area that is consistently misunderstood is insurance coverage during shipping. All licensed carriers are legally required to carry cargo insurance, but the details matter significantly.

  • Carrier Liability Coverage: Every FMCSA-registered carrier must maintain a minimum level of cargo liability insurance. However, coverage limits and deductibles vary widely between companies.
  • Ask for the Certificate of Insurance (COI): Before booking, request a copy of the carrier’s COI to verify coverage limits. A reputable company will provide this without hesitation.
  • Your Personal Auto Insurance: In many cases, your existing auto insurance policy may provide supplemental coverage during transport. Check with your insurer before shipping you may already be partially covered.
  • Condition Report at Pickup: At the time of pickup, the driver and you will complete a Bill of Lading (BOL), which documents the vehicle’s pre-existing condition with written notations and sometimes photographs. This document is your primary evidence if you need to file a damage claim.
  • Enclosed Carriers Typically Carry Higher Limits: For high-value vehicles, enclosed carriers often carry $500,000 or more in cargo coverage, compared to standard open carriers that may carry $250,000 or less.

Red Flags When Choosing a Car Shipping Company

The auto transport industry is competitive, and while most companies operate with integrity, there are bad actors. Protecting your asset requires diligent research. Watch for these warning signs:

  • The ‘Too Good to Be True’ Estimate: A price dramatically lower than the market average is almost always a lowball tactic. The carrier quotes low to secure your deposit, then demands more money before releasing the vehicle.
  • No Verifiable FMCSA Registration: Every legitimate interstate carrier and broker must hold a valid MC (Motor Carrier) number and USDOT number. Verify these at the official FMCSA Safer System website before paying anything.
  • Guaranteed Exact Delivery Dates: Logistics are subject to weather, traffic, and inspection delays. Legitimate providers give a delivery window typically two to four days not a guaranteed hour.
  • Requiring Full Payment Upfront: Reputable companies typically collect a deposit at booking and the balance at delivery. Full payment in advance is a major red flag, especially for cash or wire transfers.
  • No Written Contract: Any legitimate carrier will provide a written service agreement outlining pickup dates, delivery windows, cost, and insurance details. Verbal-only agreements offer you no protection.
  • Poor or Absent Communication: If you struggle to reach a representative before booking, reaching them while your vehicle is somewhere on the highway will be even harder.

Cost-Saving Tips for Interstate Vehicle Shipping

If you are working within a budget, there are proven strategies to reduce the overall cost of moving your vehicle without sacrificing reliability.

  • Keep Flexible Pickup Dates: Offering carriers a broad pickup window of 7 to 14 days allows them to fill their trailer efficiently, and they often pass savings on to flexible customers.
  • Choose Open Transport: Unless your vehicle is exceptionally valuable or fragile, open transport is the most economical option and just as safe for standard cars.
  • Ship in the Off-Season: Demand peaks in summer (family relocations tied to the school calendar) and in January (snowbird migration). Shipping in late fall or early spring typically yields better rates.
  • Use Terminal-to-Terminal Service: Some companies allow you to drop off and pick up at regional hubs rather than requesting door-to-door service. This reduces driver time and fuel costs, which translates to a lower quote.
  • Book Early: Last-minute bookings almost always cost more. Booking two to three weeks in advance gives carriers time to plan efficient routes and can reduce your final price.
  • Compare at Least Five Quotes: The range between the cheapest and the most expensive quote for the same route can be $300–$500. Using a comparison platform saves time and ensures you see the realistic market range before committing.

Final Checklist Before You Ship

Before you hand over your keys to the driver, ensure everything is in order. Use this checklist to prepare your vehicle and protect yourself throughout the process:

  • Wash the vehicle thoroughly so you can accurately document the exterior condition.
  • Take high-resolution, date-stamped photographs of all angles, noting any existing scratches, dents, or chips.
  • Remove all personal belongings, toll transponders, parking passes, and loose items from the interior.
  • Leave the gas tank at approximately one-quarter (1/4) full enough to load and maneuver the car, while keeping weight to a minimum.
  • Ensure the battery is fully charged and tire pressure is correct, especially for non-running vehicles being transported on a flatbed.
  • Disable the vehicle’s alarm system to prevent it from activating during transport.
  • Review the Bill of Lading carefully with the driver before signing. Do not sign if the condition listed does not match what you see.
  • Keep a copy of the Bill of Lading until the vehicle is delivered and you have inspected it at the destination.

Making a Confident, Informed Decision

Shipping a vehicle across state lines does not need to be stressful. Once you understand how pricing works, what the different transport methods involve, and how to screen carriers effectively, the process becomes straightforward. The key steps are consistent: gather accurate vehicle information, collect multiple quotes from vetted providers, verify credentials through the FMCSA, and document your vehicle’s condition thoroughly before and after transport.

Whether you are moving across two states or coast to coast, taking the time to compare your options will save you money, protect your assets, and give you peace of mind throughout the journey.

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Volatility, Hit Frequency, and RTP: Why the Number Casinos Advertise Is the Least Useful One

The return to player percentage looks clean as a casino data point. It gives players a neat number, usually around 94% to 97% for many online slots, and that number feels easy to compare. A 96.5% game appears better than a 95.2% game. The problem starts when players treat RTP as a forecast for their next 50 spins or one evening.

You may find the RTP listed on slot pages on a leading online casino in Ontario, but the number only tells part of the story. Two games can share the same RTP and create different sessions: one may return small wins often, while the other may drain a balance before one bonus round changes everything.

The RTP Trap

Return to player (RTP) measures the theoretical share of total wagers a game returns across a very large number of rounds. In plain terms, a 96% RTP slot returns about $96 for every $100 wagered in the long run. That does not mean one player who deposits $100 should expect $96 back.

The trap sits in the word “theoretical.” RTP comes from the game’s math model. It works across huge samples, not personal sessions. A player can finish far above that percentage, far below it, or with nothing left after a short run of poor results.

Is it useless then? No, RTP can still help. It gives a baseline cost of play. Lower-RTP games cost more on average than higher-RTP games. Still, once a game passes a reasonable threshold, the next question matters more: how does it distribute that return?

Hit Frequency: The Number That Shapes Session Feel

Hit frequency tells you how often a game produces a winning outcome. This often misleads players because any win can count. A spin that returns $0.10 on a $1 bet may still count as a hit, even though the player lost $0.90 in real terms.

A game can feel active because symbols connect often, sounds play, and the screen keeps celebrating small returns. The balance may still fall. In many modern slots, “win” does not always mean profit on the spin.

Hit frequency answers one practical question: how much silence can you tolerate? Some players dislike long dry spells. Others accept quieter sessions because they chase bonus rounds or larger payouts.

The educational site Get Gambling Facts gives a useful distinction: RTP concerns the percentage of money returned over time, while hit frequency concerns how often a machine stops on a winning combination.

Volatility: The Risk Label Players Need More Often

Volatility, also called variance, describes how unevenly a game pays. Low-volatility games tend to return smaller amounts more often. High-volatility games hold more value in rare events: bonus rounds, premium symbols, multipliers, or jackpots.

Here is where RTP becomes less useful on its own:

  • A 96% low-volatility slot may give modest returns and longer play from the same balance.
  • A 96% high-volatility slot may burn through funds quickly unless the player hits a strong feature.
  • A progressive jackpot game may look exciting, but it often places more value on rare top prizes.

The same RTP can hide very different risk profiles. Players who ignore volatility often blame the casino or the game when the session follows its math design.

Why the Same RTP Can Feel So Different

Picture two slots with 96% RTP. Slot A pays small wins on many spins, has a modest top prize, and rarely creates dramatic balance swings. Slot B pays less often but offers a large max win and volatile bonus rounds. The advertised return matches, but the experience does not.

Slot A may suit a player who wants a slower bankroll drop and more regular feedback. Slot B suits someone who accepts sharper losses in exchange for a shot at a heavier payout.

A Better Way to Read a Slot Page

Most slot pages give players more clues than they notice. The trick is to read the details together rather than chase the highest percentage.

Start with RTP. If two games look similar, the higher number has better long-term value. Then check volatility. If the game uses terms such as high, very high, or extreme variance, lower your bet size or expect shorter sessions. Next, look at the paytable. A huge max win usually means the game saves a lot of its value for rare outcomes.

A sensible pre-play check looks like this:

  • RTP: What is the average long-term return?
  • Volatility: How rough can the session become?
  • Hit frequency: How often will the game show any wins?
  • Paytable: Where does most value sit?

To Conclude

Casinos advertise RTP because it looks objective, tidy, and easy to rank. Players should read it, but they should not give it more authority than it deserves. For long sessions, volatility may matter more than a small RTP difference. For comfort, hit frequency may explain the feel better than the payback rate.

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