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
Author and lifelong nurse Tilda Shalof’s new book a guide not only for young nurses but one that will appeal to a wider readership
By MYRON LOVE Tilda Shalof’s most recent book – “The Handover – a Nurse’s Last Shift” was, in the words of its author, “written for the general public, to understand nursing. Nursing is everyone’s concern, not just nurses. The general public has a stake in the matter,” she observes.
I can guarantee that there are plenty of stories and anecdotes that the author shares from her own experiences that will also be of interest to a wider readership. I certainly enjoyed the book.
The title – “The Handover,” she explains, is the regular exchange between nurses going off their shift and the nurses beginning the next shift, during which the outgoing nurses pass on all relevant information about the patients under their care to the incoming nurses. A recurring thread throughout the book – of close to 400 pages – is the retiring Shalof’s interaction with three student nurses whom she had recently befriended through one of her many speaking engagements. In particular, Shalof gives co-writing credit to one Lisa Mochrie – a nurse who the author acted as mentor to during Mochrie’s last period as a student and continuing through her early nursing career.
There is a tendency for many people to take for granted people I would describe as working in a service capacity such as nursing. One of the reasons that Shalof points out in her book for our ongoing nursing shortages is that young men and women are more likely to be encouraged to pursue a medical career (to be a doctor) than a nurse. This, she points out, despite the fact that hospitals can function without doctors – but not without nurses.
Some other factors, she notes, are the ever increasing demands of documentation – which detract from patient care – and regulations, which have taken much of the satisfaction out of the profession.
In an interview with this writer, she observes that Jewish nurses are few and far between because nursing is not a profession that most Jewish families encourage. (I can only name a handful of Jewish nurses that I have known or have come across.)
She spoke about how she became a nurse early in life to her aged and ailing parents – being the only daughter – (she has three older brothers) and the last of her siblings to leave home. In “The Handover”, she also makes frequent reference to fictional nurse Cherry Ames – the heroine of numerous books written between 1943 and 1968 – as inspiration for Shalof’s choice of career.
For the first 30 years as a nurse, Shalof worked in an intensive care ward at Toronto General Hospital. She subsequently worked for a short time at an HIV clinic and, later a hospital day clinic and a neurosurgery unit. She also spent several summers as a camp nurse at a Jewish camp while her kids were campers there.
“The Handover” is Shalof’s seventh book. Her first book, published in 2004, was “A Nurse’s Story,” chronicling her experiences over 30 years as an ICU nurse. Among her other books are:“Camp Nurse,” recounting anecdotes from her time working summers at her children’ summer camps, and “Opening My Heart” – an account of the profession from the point of view of a patient after she had open heart surgery.
Coincidently, she notes, she began her first book around the time of the SARS outbreak in Toronto in 2003. Shalof says she started writing her latest book at the height of the Covid lockdowns, which she references from time to time in the book. .
The approach Shalof has taken in writing “The Handover” – following a foreword and introduction – is literally an A to Z overview of everything there is to know about nursing – with each chapter focusing on one specific letter of the alphabet. Each chapter relates her thoughts and tells anecdotes from her own nursing experiences over 40 years in the profession, as well as her interactions with Lisa Mochrie and the other two student nurses as they transition from students to professionals.
In her conclusion, she observes that “nursing can be a path to making a difference – having an impact. It can be a front row seat at the theatre of life. Or it can be a job, a way to make a living and help support your family. “
Most importantly, she added, “make sure you try to have some fun. Do everything in your power to enjoy being a nurse”.
Although the now 67-yeear-old author is retired from the practice of nursing, she remains in demand as a speaker and advisor. She continues to get calls from throughout North America seeking her advice.“The Handover” is available from the University of Toronto Press.
Features
Michael Mitchell: His Labour of Love in Law
By GERRY POSNER The Mitchell name in Winnipeg has been around a long time and much of the the name recognition stems from the long connection of the family to a business known as Mitchell Fabrics, a mainstay on Main Street for many years. Established by Mendel Mitchell generations ago and not closed until 2017, many family members, including in-laws, worked there as managers, students and retirees. And yet, the family vocation was not limited to just the business, t it stretched out into the world of law, and more specifically the field of labour Law. One particular Mitchell reached the peak of all aspects of Labour Law. Three Mitchells: Leon, son Grant (a senior management side labour lawyer in Winnipeg), and daughter April Katz (an academic at the University of Victoria Law School), had stellar careers in that field. Yet another Mitchell, Michael, also achieved great acclaim as a labour lawyer. Michael, a product of the south end of Winnipeg, is the son of the late Harry and Gertrude (Sirluck) Mitchell, so he has some impressive genes going for him. But he has added to the story immeasurably.
Perhaps it all began for Michael Mitchell when he graduated from what was the first and only Grade 7 Hebrew school class at Herzlia Academy. He later was Regional Vice-President of AZA in his teenage years. After two years at Joseph Wolinsky Collegiate and two more at Grant Park High School, Mitchell went off to the University of Manitoba for his first year and then on to the University of Toronto, where he obtained a BA in Political Science. Then came law school, also at the University of Toronto, from where he graduated with an LLB in 1975. Along the way, he married the former Lynne Berman ( also from Winnipeg).That union produced three Mitchell daughters, two of whom are physicians – in psychiatry and neurology respectively, while the third is a pioneering pre-school educator. Michael and Lynne also have six grandchildren.
For a large part of his career as a lawyer, Michael Mitchell practiced law in Toronto as a senior partner in the firm of Sack Goldblatt Mitchell – from 1980 through 2014, having joined the firm in 1975 as a student. The firm was committed to the union side practice of Labour and Employment Law. Not so surprisingly, he had to appear at all levels of courts, also administrative tribunals.To his credit, his work and impressive track record was recognized by his peers as he was named a leading labour lawyer in Canadian Lexpert Directory and was frequently recommended in Best Lawyers in Canada. Between 1982- 2006, Mitchell was also the managing partner of the firm, which suggests to me an ability to manage people, not an insignificant skill. During his tenure as the managing partner, the law firm grew from just under ten lawyers to over fifty, with offices in both Toronto and Ottawa. His responsibilities were firm leadership, strategic decision making and financial management.
But, what a career Mitchell has had. For starters, aside from his time as a practicing lawyer in the field of labour law, he has, since his leaving the practice, just changed hats. From 2015 to 2018, he was part time Vice-Chair of the Ontario Labour Relations Board and, from 2018 as of this moment, he has become full time Vice-Chair at the same Ontario Labour Relations Board. Needless to say that, over the course of his administrative work since 2015, Mitchell has been at the centre of some significant decisions and, if you are interested, I can direct you to the selected substantive decisions in which Mitchell has been involved.
Moreover, Mitchell has worked and continues to work in the area of mediation and arbitration of both labour and indeed civil law. This is a large area, to put it mildly. For starters, there is the entire field of grievance arbitration. To be involved in cases of this kind, your name has to be put up by one of the parties and often agreed to by the other party. That means you have credibility with both of the protagonists. Mitchell clearly has that kind of reputation and draws support from both sides of the aisles – as it is referred to in some circles. He has been an arbitrator/ referee in many cases, including the famous 1986-1990 Class Action settlement related to individuals who had contracted Hepatitis C. Further, he has conducted numerous civil mediations related to employment, contracts and human rights matters. Mitchell also mediates and arbitrates collective bargaining disputes.
One of Mitchell’s’ main achievements was that he was invited between 2015-2017 to be a Special Advisor (with capital letters, no less) to the Ontario Minister of Labour with regard to the Changing Workplace Review. This was a landmark review of the Ontario Employment Standards Act and the Labour Relations Act where he, together with Justice John Murray, recommended many legislative changes to protect workers from the negative impacts of precarious employment. The best part of his work was that many of th recommendations were actually adopted. Other recommendations remain for future governments across the country to consider.
If you really want to delve into the Michael Mitchell career, you should know that, over the span of his career there are many publications that he has authored. The main one is his textbook on the Ontario Labour Relations Board, which he co-authored with his early mentor, Jeffrey Sack, and which remains the leading authority on the Ontario Board.
Mitchell comes by his passion for labour law honestly. His uncle, Leon Mitchell, was an iconic force on the union side in his practice of law in Winnipeg and was the inspiration for Michael to enter law to become a labour lawyer in the first place. In fact, it was Leon who introduced Michael to a man in Toronto who recommended Michael to connect with an up and coming labour lawyer in Toronto named Jeffrey Sack K.C. That connection resulted in the Sack Goldblatt Mitchell law firm. As well, Michael was well known to Sid Green during the early years of Sid’s law career, also his early days as a Cabinet Minister in the Schreyer NDP government. Sid was a person who exerted a significant influence on Michael.
With all that on his plate, Mitchell found time to be the president of the Darchei Noam Synagogue in Toronto between 2004-2008. He has also been the president of the Jewish Reconstructionist Federation of North America. During his term, he led the merger negotiations which ultimately resulted in the current structure of that movement ,which is now referred to as Reconstructing Judaism. Its singular aspect is that it consists of a single organization combining congregations plus a Rabbinical School. That was enough to get Mitchell an invitation to attend one of President Obama’s Chanukah parties at the White House during the Obama term. As well, to this day, Mtchell sits as a Director of the New Israel Fund of Canada.
Mitchell has his feet still planted in Winnipeg. His two sisters live there, as well as Lynne’s sister. In fact, he just visited Winnipeg for his sister Ruth Ann’s and Paula’s 85th and 80th birthdays respectively. And to keep up to date, Michael and Lynne Mitchell have long had a subscription to the Jewish Post.
In short, at just under 80, Michael Mitchell is moving like he is eighteen. The longevity of his career may soon rival the longevity of the family business, Mitchell Fabrics.
Features
Building Credit in College for Future Real Estate Deals
Most college students aren’t thinking about mortgages. But the students who buy their first investment property at 25 or 27 started building credit at 19 or 20. The two are directly connected.
Real estate is a game of capital access. Lenders don’t care how motivated you are – they care what your FICO score says. A 760+ score gets you prime mortgage rates. A 620 gets you higher interest and fewer options. The difference in monthly payments over a 30-year mortgage can be tens of thousands of dollars.
The window you have in college to build credit without major financial pressure is one of the most underused advantages Jewish students have.
Credit Foundations: Where To Start
Your credit score is built from five factors. Payment history makes up 35% – the largest single component. Credit utilization (how much of your available credit you’re using) accounts for 30%. Length of credit history, credit mix, and new inquiries cover the rest.
For most students, the first practical step is a secured credit card or a student credit card. Secured cards require a deposit that becomes your credit limit – typically $200-$500. They report to all three major bureaus and build history the same way unsecured cards do.
The rules are simple but require consistency. Pay the full balance every month. Keep utilization below 30% of your limit. Don’t apply for multiple cards in a short period. These habits compound over years – a student who starts at 18 has 7 years of credit history by the time they’re ready for a first mortgage.
One underused option: ask a parent or family member to add you as an authorized user on an older card with a clean payment history. You don’t need to use the card. The account’s age and payment history get added to your credit file immediately.
Researching Investment Options During Studies
Business, economics, and finance students regularly analyze real estate markets as part of their dissertation. That work isn’t just academic – it’s actual market research that doubles as preparation for real investing decisions.
However, balancing dataheavy analysis, market research, and exams often leads to extreme burnout. To survive the final semester, many students look for external support. Some of them use EduBirdie – best dissertation writing services for timely delivery and consistent quality on deliverables when the research load is heavy. Outsourcing the formatting and drafting frees up time to dig deeper into the actual market data that matters for real investment decisions. The analysis you build during college becomes your knowledge base before you ever make an offer.
Smart students treat every finance and real estate assignment as a portfolio of personal research. That perspective shifts the work from obligation to investment preparation.
How Student Loans Affect Your Future Mortgage
This is where many graduates get surprised. Student loan debt directly affects your debt-to-income ratio (DTI) – a key metric lenders use in mortgage approval. Most conventional lenders want your total monthly debt payments to stay below 43% of gross monthly income.
If you graduate with $40,000 in student loans at a standard repayment, your monthly payment is roughly $400. That $400 counts against your DTI before you add a car payment or rent. Managing your loan balance and making consistent payments not only builds credit – it keeps your DTI workable when you’re ready to buy.
Income-driven repayment plans can lower monthly payments but extend the loan period. For mortgage purposes, lenders typically use the actual monthly payment shown on your credit report when calculating DTI.
Practical Steps For Building Credit In College
Keep Utilization Low
Staying under 30% of your credit limit matters more than most students realize. If your card limit is $500, that means keeping your balance below $150 before the billing date. Paying in full each month handles this automatically.
Monitor Your Score Regularly
Free monitoring is available through Credit Karma, Experian, and most major banks. Checking your score doesn’t hurt it. Set up alerts for new inquiries, changes in balance, or any accounts you don’t recognize. Catching errors early prevents damage that takes months to fix.
Build Your Credit Mix Over Time
Lenders like to see that you can handle different types of credit. A student card, a small personal loan, and eventually a car loan create a credit mix in college that strengthens your profile. Don’t open accounts you don’t need, but don’t avoid credit out of fear either.
Here’s a practical credit-building checklist for college students:
- Open one student or secured credit card and use it monthly
- Pay the full balance before the due date every month
- Keep utilization below 30% at all times
- Become an authorized user on a parent’s old card if possible
- Check your credit report annually at AnnualCreditReport.com
- Make all student loan payments on time once they enter repayment
- Don’t close old accounts – account age matters
Understand What Mortgage Pre-Approval Requires
When you eventually apply for a mortgage, lenders will look at your FICO score, DTI, employment history, down payment, and reserves. The credit score threshold for a conventional loan is 620, but most competitive rates start at 740 and above. FHA loans allow scores down to 580 with a 3.5% down payment.
Starting to build credit at 18 or 19 means arriving at your first mortgage application with 6-8 years of credit history. That length alone adds 15% of your score. Combined with responsible utilization and clean payment history, you can realistically hit 740+ before you graduate.
The Long Game
Real estate investing after college isn’t a fantasy – it’s a planning problem. The students who pulled it off didn’t get lucky. They started building credit years before they needed it, kept their DTI manageable, and used their time in school to understand the markets they wanted to invest in.
The credit habits you build now are the credentials lenders will evaluate later. Start with one card, pay it in full, and let the history accumulate. Five years from now, that consistency becomes a mortgage approval and the keys to your first property.
