Features
Berdina Shorten: Her long and circuitous journey to returning to her Jewish roots
By BERNIE BELLAN Berdina Shorten has lived in Winnipeg since coming here with her family from the Netherlands in 1953. Although Berdina was Jewish by ancestry (going back to her great-grandmother), she hadn’t been raised Jewish. It was only several years after having come to Canada – and having got married, that Berdina – and her late husband, Ken Shorten, both converted to Judaism.
Typically, the stories we publish in this paper about people’s wartime experiences have to do with the Holocaust. Those stories are all certainly horrendous – and almost always riveting, but when I happened to be talking to Berdina about a totally unrelated subject (the renewal of her subscription) and the conversation got around to her wartime experiences, I said to her that I wanted to write about her story.
I should also mention that I had heard Berdina speak at the Shaarey Zedek several years ago, but at that time I didn’t take any notes. (I can’t recall exactly why I was there or how I happened to be in the room when Berdina told her story, but I remember thinking that this would make a great story for the paper some day.)
In any event, here’s a recounting of the first part of Berdina’s story, based on a phone interview that I conducted with her on February .
First, a little history is needed, in order to understand the context for what happened to Berdina and her family.
The German army had invaded Poland in September 1939. After consolidating its gains there, Germany turned its attention to Western Europe in April 1940, first by invading Norway and Denmark, then launching an attack through Belgium into that country, also the Netherlands and Luxembourg (despite those three countries having adopted positions of neutrality).
The German invasion of The Netherlands began on May 10, 1943.
That is where Berdina’s story picks up. But first, a little background on her family history.
Berdina’s father, Theodore (or Theo, as he was known) was a master leather cutter. His “family was Protestant, but his mother was Catholic, so he was raised Catholic,” she said.
As Berdina explained, “his family had come from France in 1610. He used to say the reason his family didn’t go to the New World was ‘no pretty cruise directors, no first class cabins, no air conditioning.’ The real reason was they were Huguenots and they weren’t allowed to go to the New World – unless they went to England and went with the Protestants,” e.g., the Pilgrims on the Mayflower.)
Berdina’s mother (Anna), however, “was born Jewish” but, as Berdina noted, “the family never practiced Judaism. What happened was her mother was born Jewish to a Dutch girl and a German Rhine skipper. Her father died when she was four years old, so her mother went back to Holland, but her family wouldn’t accept her back because she had married someone who was not Jewish. She raised her child (Berdina’s grandmother) with the help of local charities and working in a grocery store.
“When she met my great-grandfather, he was more Catholic than the Pope, so she never practiced her religion and she raised her children as Catholic – but they were actually Jewish – by Jewish law.
“It wasn’t until I was 12 – and I had been sent to Catholic school. I was always challenging the nuns. I wanted to check out Judaism, but I wasn’t allowed.
I asked Berdina whether “she had an awareness that she was Jewish?”
She said she did. “I always knew. My mother knew also, but they hid it.”
I asked then how she knew about her Jewish heritage?
She answered: “My relatives. I heard conversations when I was a child.”
While, Her mother “didn’t practice any religion, her “father did. He’d go to Mass once in a while,” Berdina noted.
When the Germans invaded the Netherlands, Berdina’s father was in the Dutch army, fighting on the “Grebenberg (or the Grebbe line, the main line of Dutch defence)– where they held the Germans back for many days.” (Actually, it wasn’t many days at all – only three. The Dutch were badly equipped and totally outmaneuvered by the Germans.)
Berdina continued her story: “My father was a fantastic shot…But the Queen (Wilhelmina) capitulated. They were bombing the hell out of Rotterdam (May 14, 1940).” The Netherlands surrendered the next day.
Berdina’s father was taken prisoner and sent to work as a forced labourer (in Germany): “So my father was taken and put into a factory. He was a master leather cutter – making shoes.”
Berdina’s family lived very close to the German border with the Netherlands. Thus, even though Theo was forced to work in Germany, it was only a three-hour walk for him to return to his hometown – and his family. It seems somewhat strange to think of someone who’s kept as a forced labourer – which Berdina described as “slave labour”, yet who was allowed to return home on weekends, as she explained:
He was allowed to go home (where mother lived) once a week, Berdina said. “He was given one egg a week, so he would take that egg with him, so my brother (Corey, who was born four years before Berdina) would be able to have at least a little bit of protein in his diet.”
All the while Theodore though, was part of the Dutch underground– meeting with other members of the underground surreptitiously while he was in forced labour for the Germans.
Berdina told this story about one harrowing brush with danger her father had while he was in the resistance: “A story he told was that he was going to a meeting (of the underground) with a friend. They were caught by a young German soldier and the soldier” pointed his rifle at them and “told them to put their hands up. Somehow my father was able to overtake this young soldier.
“His friend said ‘We have to run.’ My father said, ‘No, we can’t. If we run and they find him (the soldier), they’ll kill ten people on this street.“ (That was the retribution the Germans typically exacted, Berdina explained.)
“So my father was able to get a hold of some liquor, put it over the kid’s mouth, then took his guns and papers to the nearest police station, which was controlled by the Germans, and said: ‘One of your soldiers was drunk and we took his guns and papers before he hurt someone.’
“My father was given a pass to go anywhere he wanted that night.”
I asked Berdina if she knew when it was that her father fled the factory for good and ended up going totally “underground” with the Dutch Resistance, but she said she didn’t know exactly when that happened.
When the Canadian army reached Holland in September 1944, anyone who had been in the Dutch army was able to join the Canadian army, Berdina explained, so her father ended up joining the Canadian army.
“When the Dutch army reorganized, he went back to the Dutch army.”
Her father was uncomfortable talking about what he did during the war, Berdina noted, but according to her brother, Theo had once told him that he “had killed at least one German that he knew of (a sniper) and probably more, but he wasn’t sure.”
I asked Berdina whether there were any other memories from the war that she wanted to talk about.
She said there was a young girl – only 14, in her town, “who was the first girl (in Berdina’s home town) to get pregnant by a German soldier.”(That soldier died in a plane crash coming back from North Africa, Berdina added.) “She was also the first girl to get pregnant by a Canadian soldier.
“After the war the people in that community were going to get her and shave her head and send her packing.
“My mother said to my father: ‘That little girl is still only 15 years old. She’s still walking around in Bobby socks and skipping with a skipping rope. Theo (Berdina’s father), could you please do something to stop those people from hurting her?’
“My father went out on to the street and he saw about 50 people coming for the girl. He stopped them.”
In 1953, Berdina, along with her parents and three brothers (two of whom were born after the end of the Second World War), came to Canada.
“My father started to work as leather cutter in the Canada West shoe factory,” Berdina explained.
“Maitland Steinkopf hired him. Eventually my father started to work in St. Boniface Hospital; he’d had a year’s medical training in Edinborough after the war – so he started to work in the hospital, in the x-ray department.
“He worked four hours a night doing piece work for Maitland. He made more money doing that than he did in the hospital.”
I was curious to know more about Maitland Steinkopf and his connection to the shoe business. I knew that Steinkopf was a very successful businessman who also played a leading role in the development of the Centennial Concert Hall, as well as being a prominent Conservative politician and cabinet minister, but other than that I didn’t know much about him.
Berdina said to me that Steinkopf’s success in the shoe manufacturing business was a result of his decision to go to Minneapolis at one point and come back with the Canadian rights to a line of shoes called “Hush Puppies”. That reminded me of another famous decision made by a local Jewish businessman – Samuel Cohen, who decided to begin importing transistor radios made by a company called Sony.
Turning to Berdina’s decision to become Jewish, here is how she explained how that came about:
“My late husband, Ken Shorten (whom I incorrectly referred to as Frank in my previous article), came from an Irish family – that originally came to Canada in 1690, and they farmed in the McCreary area.
“He worked in Eatons – and I worked in Eatons as well. That’s where I met him and we got married.
“Well, he was Protestant and I had been raised in a Catholic environment. We decided that we weren’t going to let the difference in our faiths have a negative effect on us, so we just stuck to ourselves when it came to the religious part.
“But that didn’t work for me and it didn’t work for him and I always knew about my Jewish heritage, so I said to him one day: ‘You know, I’d like to learn more about Judaism; it’s part of my heritage.’ And he said: ‘Me, too.’
“He had some very good Jewish friends at the time (who were all in the NDP). One of them was Cy Gonick, another was Harry Shafransky. He got to know quite a few Jewish politicians. He liked their ethics, liked their values, and so we started to look into Judaism.
“We went to see Rabbi Nesis and (the late) Rabbi Berkal, and we studied with them for two years, and then made the conversion.”
Interestingly, Berdina said that she also spoke with (the late) Rabbi Weizman, who told her that “You can’t convert – you’re already Jewish”.
“But, I said to him, ‘It’s my decision. It’s my journey. I want to do the process.’
“We had two children that we had adopted before we decided to convert – and we brought them in with us.”
I asked when this all happened?
Berdina said the conversion process went from 1973-75.
“We were officially converted in May of ’75,” she said, “and then we were married in the rabbi’s office again.”
“I sang in the Shaarey Zedek choir for 36 years,” Berdina added, “and my son, Theodore, sang in the choir for 20 years…and both kids had their bar and bat mitzvah together.”
“It was the best decision I ever made in my life,” Berdina observed. “It completed me as a human being. I finally fit – because I used to question those nuns. I must have been a real pain in the tuch.”
I asked, “Do you have relatives remaining in Holland?”
Berdina answered: “Yes, I have many.”
I asked, “Are any of them Jewish?”
She answered, “I have one cousin who recognizes himself as Jewish – and that’s it.”
I said to Berdina that what she had told me about her Jewish ancestry and her family’s subsequent conversion to Christianity, it jives with what I had read about how commonplace it was for Jews to have become Christians. I said that I recalled hearing from the late Rabbi Rappaport that only about one-quarter of all Jews in Europe remained Jewish through the years. The rest either converted willingly or by force.
During the course of our conversation, Berdina told me many more stories about her wartime experiences in the Netherlands, all of which were fascinating. Since she was only two years old by war’s end, naturally the stories she tells are one that have been recounted to her by others, but they are all worth retelling.
One that stood out for me in particular was about a Jewish doctor who was kept hidden by his Dutch housekeeper, unbeknownst to anyone else in the town. According to Berdina, when German soldiers came to the house looking for the doctor in 1940, the housekeeper said to them: “I kicked him out long ago when I knew you would be coming. He was miserable to work for and he never paid me enough.”
All through the war that housekeeper was ostracized by her fellow townspeople, as the doctor was universally loved. As Berdina told it, when the town was liberated by Canadian soldiers in 1944, the doctor emerged from the basement – where he had been kept hidden the entire period of occupation by the housekeeper.
Berdina is a great storyteller and when I asked her whether she’d be willing to tell her story to other audiences – as I had heard her do several years ago at the Shaarey Zedek, she readily agreed. If a day comes when Berdina will be able to tell her story to a new audience, I’ll be sure to post something in this paper.
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.