Features
Bygone Winnipeg: A fictitous story based on true events: University of Manitoba Faculty of Medicine 1932-1944

By DAVID TOPPER Call me a witness. I was there and heard almost everything that’s relevant to this story.
Yet, thinking deeper, I guess you could call me a spy – well, at least, some may say that, for there was an element of skulduggery in my employment situation. It was all because of my father, who changed my name when I was born. Of course, we’re all born with a surname, but―
Wait. Let’s first go back to my grandfather, Moshe Levinstein, who was born in Russia, and who as a young man experienced a small pogrom – small in terms of later ones – which was enough to convince him to emigrate as fast as he could. Several people were killed, a house was burned down, and there was a rape – that ‘small’ event drove him to leave Russia, forever. He never looked back, even when Winnipeg, Canada turned out not to be quite the paradise he expected. Because he quickly found that anti-Semitism was endemic.
My father, Solomon Levinstein, while growing up, saw the struggle his parents went through being Jews in a Christian country (with the English majority Protestant, and the minority French Catholic), and he wanted to protect me as best he could when I was born. He wanted me to fit into the social fabric more than he ever could. And since I turned out to be a girl, there were even more barriers on my horizon – ‘closed doors,’ he called it. He told us that he was thinking about all this when I was still in my mother’s womb. You see, he liked to ‘plan ahead,’ which was another of his favourite phrases.
Oh, speaking of being in the womb: my grandmother died when my mother was eight months pregnant with me, and so I was supposed to be named some variation of Minnie Levinstein, as is the Jewish tradition. But since my father was obsessed with my fitting in better than he did, and he also wanted me to get through some otherwise ‘closed doors’ – I was named Mildred Evans. He said Evans and ‘Levins’ rhyme, and so do Millie and Minnie. It was also a nice Aryan-sounding name, “as the Germans would say,” he said.
Mind you, while growing up as Mildred Evans, I nonetheless didn’t hide my Jewishness. Indeed, I often went to synagogue on Saturday/Sabbath. But then, I also often went to church on Sunday and―
Um, I guess I need to explain that. You see, my best friend was Mary O’Brian, which tells you that she was probably Irish Catholic, which she was. Now, here’s my perspective in all of this. I was very precocious and very smart and I read a lot. I liked languages. On weekends I enjoyed Hebrew in the Synagogue and Latin in the Church. Two ancient languages, one dead except for the Christian Mass, and the other kept alive in prayer and Torah study. Plus, you must remember that Latin was still taught in schools at this time; it was part of a Liberal Arts education in the first half of the 20th century. Many universities required High School Latin for entrance to their freshman classes. As well, to me, the Mass was like an opera, with singing and those glorious organ pipes vibrating and echoing throughout the church. Mary and I, by-the-by, went to the beautiful Cathedral in St. Boniface, with the astonishing and huge Rose window. You see, there were no organs in any synagogue. And so, it was not so strange for this Jew to enjoy the Catholic Mass as a musical event. Think of Bach, a devout Lutheran, who wrote his wonderful Mass in B-minor.
Anyway, to me the Mass was a show, and it was free – well not completely free, since the church always passed around a collection basket near the end of the service – a sort of pay-what-may type thing, you could say. I remember that Mary, when I took her to her first synagogue service, was surprised that there was no collection at the end, especially since after the service there was an oneg in the social hall, with food galore. But I digress.
The service of the Mass, to me, was not entirely unfamiliar, since there were many prayers and texts that borrowed passages from what they called The Old Testament: many of the sayings of the prophets, Isaiah, Jeremiah, Ezekiel, and others. “But what about the stuff on Jesus?” you may be asking, eh? Well, you see, I read a lot of history, as I told Mary – and I must say she was shocked when I first told her this; although eventually she (well, sort of) agreed with me – well, I told her that Jesus was not a Christian, but a Jew named Yeshua, and he always was; ‘Jesus’ was the later Latinized name. He had some differences with the Jewish hierarchy at the time, along with problems with the Romans who occupied the Holy Land, so much so that they (the Romans) crucified him. It was after his death that Christianity was born, due in large part to the preaching and writing of a Jew name Saul, whose name was later Latinized to ‘Paul’ after he had a vision of the resurrected Yeshua/Jesus. Saul/Paul made a strong case for rejecting many Jewish practices (such as circumcision), so much so that his sect broke free from its Jewish root. They became known as ‘Christians,’ since Paul preached that Yeshua was the real messiah (or ‘anointed one’), which in Greek is ‘Kristos,’ later Latinized to ‘Christus.’
Mary laughed when I said that therefore you might call the birth of Christianity a Jewish conspiracy. “Oh Millie,” she said. “You’re so smart it sometimes scares me. What is going to happen to you?”
Good question.
So, what did happen to me? Well it helped being smart, that’s for sure. Very smart, indeed. But not pushy. No, not pushy or impudent in any way. Not at all. You see, I was (and still am) happy with less – a lot less than I probably could have had. Yes, I lived (and still live) parsimoniously.
Well, I got a university education with excellent grades (as you might expect) but I didn’t go any further, although I could have, and was encouraged to do so. But I saw the university system as a barrier to women. And I was not inclined to fight the system. As I said, I was satisfied with less. While still a student at the University of Manitoba, I got part-time secretarial jobs, since I was a fabulous typist and proof reader. Even before I graduated, I was offered a full-time position as a secretary in the English Department, since their long-time-serving woman was thinking of retiring. And in the end, after graduation, I got the job.
It was the best decision of my life, looking back on it. You see, in this job I could go home at 5pm to my modest house not far from the university and forget about the job until the next morning. In the warmer weather I could walk to and fro; although in the dead of winter I took the short bus ride. After all, it was Winnipeg. And at home I could read whatever I wanted. Play the piano. Do my art work: drawing (pencil and/or pen & ink) and painting (only watercolour). Listen to the radio. And I read as much as I wanted: lots of books, magazines, and newspapers. I got the New York Times Sunday edition in the mail every week; it was a bit late, of course, but there were so many articles of interest that it was a source of almost endless reading throughout the week. For example, I recently came across this quote from the famous Albert Einstein in an article about him: “Perhaps it is due to anti-Semitism that we can preserve ourselves as a race; at least, this is what I believe.” I’ve been thinking a lot lately about this, especially in light of what I am going to tell you later. Incidentally, when I was a student, there were no Jewish professors on the faculty. Even as late as the mid-1940s, there were still only four Jewish professors.
In contrast to my life, my boss’s home life was filled with lectures to prepare, and even on weekends there were papers to mark, exams to compose and later to mark. And so it went. He often told me I was fortunate to be able to start a book and just read it at my leisure, right through if I wished. He confided in me that he seldom had time to read half of what he wanted to. I believe he liked talking to me, since I was smart. He often asked my advice regarding even the content of the texts that I was typing for him. We got along swimmingly, as you might surmise. We had a very good rela―
Okay, before you start fantasizing further, let me stop you. There was nothing beyond our professional relationship. Nothing at all. Throughout the university, in all my jobs – nothing. No flirting, never. I had no affairs in those years in various secretarial positions, if that’s what you’re thinking. And here’s why: I am not attractive. I knew this in High School, and was satisfied with it. Remember, I like a simple life, and I discovered that this unattractive state makes life uncomplicated – or, at least, less complicated than it otherwise might be. I could see among my classmates in school that the (let’s call them) ‘attractive’ girls had a life that was a roller-coaster ride. Up, happy, being gleeful; down, way down, when a guy dumped them. Yes, I saw some girls get really down; had to take pills; some even admitted to hospital. I thought: who needs this crap? I don’t want those ups and downs; I want a straight ride, flat. “Yes, just flat,” as I told Mary. She laughed, “Well that’s not the only thing that’s flat for you, huh”? We both had a good laugh at that. Remember we were best friends, and each could take a joke.
So, I tell you: my so-called ‘unattractiveness’ was a gift. Which I took and ran with, you might say. Today, you see: I wear no make-up, have a simple straight hair-do extending below my ears but not touching my shoulders, wear loose and non-flashy blouses, have only skirts far below my knees, and I wear sensible shoes – namely, flats (oh, that word again). All this ensured that my relationships with the men under whom I worked at the university would remain strictly professional. Let’s put it this way. I always had a good night’s solo sleep, if you know what I mean.
Of course, this is not to say that I never had an intimate relationship with anyone, but rather that it was not with any of my bosses – and I will leave it at that, for this has gone far beyond the original topic. But – and I emphasize this – all this is not a digression, for I very much want you to know about me and my life at the University of Manitoba, so as to put this story into context and to show how and why what I am going to tell you should not only be believed, but also taken seriously.
Further, to set the stage: I got along well with my fellow all-female secretaries and other staff at the university. My plainness was interpreted as a sort of prissiness, which is not true, but they didn’t know that. As Mildred Evans, I was asked what church I went to, and I told them St. Boniface Cathedral, since I did go to it when my friend Mary and I were kids, so strictly speaking my answer was no lie. Although I know their question had a different meaning. (Incidentally, Mary is now married and living in Toronto, raising her four kids.) They then asked why I go all the way to the other city to attend church and I told them it was about the music and the organ. They understood, and asked no more.
Also, due to my modest behaviour, they questioned why I was not a nun, and it led to them jokingly calling me Sister Millie. I said there was no such St. Mildred, although this may not be true, but then what do Protestants know about saints? – since Luther, Calvin, and the others eschewed them, along with the Virgin Mary, from their theology. And speaking of joking: being ‘Sister Millie’ among these Protestants, I was in an opportune position to reprimand them when they occasionally told anti-Semitic jokes or made similar remarks. And I did. As an art-lover, I also took the occasions to lecture them on the destruction of so much art by the Protestants during the Reformation: defacing and burning paintings, smashing statues, destroying stained-glass windows, and more. They knew none of this; it was a shock to them. They were not taught such things in Sunday-school, they said.
And that brings me to the reason for telling you all this in the first place. For, as I began, I said I was a witness, or even a spy. But for what? Well, for what may be called the backroom conversations. The secret disc―
Wait, I’m getting ahead. Uh, let’s start here: After many years with the English Department, I was promoted to being secretary for the new Dean of Medicine, Dr. Warren Matthews. It began for me at end of term in late May 1932. Although the Dean’s term began in September, he occasionally came around during the summer months to bring things (books, files, and such) so that his office was ready in the fall. He got to know me a bit and seemed very pleased and comfortable with me. His wife, Eleanor, even came with him one summer day – I believe, to check me out. She was nicely dressed, looking very Anglo-Saxonish prim and proper, if there is such a thing. When she saw me, she first looked me straight in my eyes and, while she was saying some pleasantries, she panned down my body to my feet and back up to my face, and ended with a self-assured smile on her face. I passed, since I was clearly no threat to her sexuality, whatever there was of it.
I spent the summer getting adjusted to the new office, going through the files and sometimes reorganizing them my way, and changing some things around in the physical space of the office. For one thing, I preferred keeping my office door to the university closed, but with a COME IN sign, when I was there. I didn’t like the constant background noise and chatter, as well as obtrusive eyes walking past an open door. That summer, I also had lots of typing to do both for the new Dean and for others in the Department of Medicine.
By the fall, when the Dean came in for the new term, we could get right to work. And we did. We quickly developed a good working relationship. He was obviously comfortable with me, for he shortly said that I should just call him ‘Warren.’ Interestingly, he liked me keeping my door closed, since he preferred keeping his door open. He said he was a bit claustrophobic, plus he liked to hear my typing – it had a musical rhythm that he found restful. Importantly, this meant that I was privy to confidential remarks by the Dean and those who ran the administration of the university when they were in his office. In short, I was able to eavesdrop. And eavesdrop I did! And that’s why I’m telling you this.
But this spying came later. The reason I am telling you this is because of an event that took place not long after he got settled into his new office. I can still remember the day. It was first thing in the morning, and after the “how are you” etc., he told me to look at the records of students admitted to the Medical School in terms of their ethnic origin, particularly noting how many of them were Jews. “We already have too many Jews, Millie,” he said. It was a jolt, and although I’m sure I showed no visible signs of my reaction, internally I was shaken. So much so that I almost blew my cover. Yes, even as Mildred Evans, Sister Millie, it―
Well, it’s hard to explain. I was tempted, of course, to ask why, … but, of course, I didn’t. “I’ll get to it right away, Warren,” was the best thing I could say at the time, and I turned away walking toward a filing cabinet, as any loyal Anglo-Saxon secretary would do, but with shaking hands that I hid from my boss.
I found that on the application form there was a line for ‘racial origin,’ and so I was able to do my job. I discovered that throughout the 1920s there were usually about 64 students per year admitted, with 18-25% being Jewish. Other ethnic groups also came – Ukrainian, Polish, German, and so forth, but in smaller percentages. Most, not surprisingly, were Anglo-Saxon – good English stock, according to Warren. When I presented my finding to him, I added another category, and I prefaced it by saying that I hoped he didn’t think I was being impudent in doing so. It was the number of women admitted, which was very low – often none, sometimes one or two. Warren smiled and said it was fine for me to be “conscious of my sex” and he blushed after he said it. I think hearing himself saying the word ‘sex’ out-loud to me, well, it jolted him – the way, on the previous day, his word ‘Jews’ jolted me.
Subsequently, my eavesdropping elicited more examples of anti-Semitism endemic to the faculty, as he chatted in his office with other administrators, keeping his door open. They all agreed. “Too many pushy Jews.” “Since they invariably get high grades in school, if we don’t put a lid on the enrolment, soon they will all be Jews.” “If we don’t do something now, well Jews will take over the faculty.” “First the Jews and then Ukrainians or Poles.” “At least the Frenchies have their own college in St. Boniface.” And so it went – a litany of bigotry, discrimination, and prejudice straight from the mouths of the administrative faculty to the ears of Mildred Evans. At most, a few made mild queries as to the efficacy of it, and the possibility of “aggressive Jewish lawyers” filing a legal case against the practice.
In the end there was a quota system initiated for all incoming classes, keeping the Jewish enrolment low. In 1936, for example, only nine got in. In later years even fewer. Out of 60 or more students, sometimes only four to six were Jewish. Of course, this meant that Anglo-Saxon students with far lower grades than Jewish students were admitted in place of them. And this was for a school to train physicians, dealing with life and death. “Just what we need – dumber doctors,” I told my Jewish friends. You see, I didn’t hide my clandestine information. I told anyone who would listen to me. Unfortunately, where it might make a difference, I got indifference, brought on by fear. Rabbis were afraid to do anything. They went along with the quota rule. “Don’t make waves, things could get worse,” was a standard response. Yes, they went along with the quota system. “Don’t look like a ‘pushy Jew,’ at least we get the ones that we get,” I was told. “Look, honey, be happy with four to six doctors a year,” I was told to my face by a rabbi’s wife. The same thing from the Jewish establishment. The B’nai Brith was afraid to do anything because it might backfire and only make matters worse. Similarly, for the Canadian Jewish Congress, which was reluctant to get involved in this Winnipeg issue. “What wimps,” I told my friends. I did the best I could. I didn’t blow my cover.
For me this thing came to a head in 1943, when the med school again turned down many Jewish and some other ‘ethnic’ students, so as to admit Anglo-Saxon students with (in this case) not only lower grades – but they also admitted some students who didn’t even pass their university exams and thus were required to go to summer school! To me, this was the last straw. The Jewish students’ Avakah Zionist Society got wind of this and began to bring all this out into the open. They eventually got the help of a Jewish lawyer and, yes, a fuss was raised and pressure was put on the Board of the University of Manitoba.
Finally, in 1944, after a dozen years of overt discrimination, the Medical School removed the racial and religious categories in their application. The quota rule finally ended. I celebrated with my Jewish friends. And, yes, Mildred “Prissy” Evans got a little tipsy.
Speaking of celebrating. In 1949, Dr. Warren Matthews was awarded an Honourary Doctor of Laws for his dedicated service to the University. I was invited to a private party for him, but I made up some excuse as to why I couldn’t make it. You see, I was afraid that if I did go, I would not be able to control myself, and proper Mildred Evans, aka Sister Millie, would perform the very unladylike act of making a scene by copiously spitting into the party’s punch bowl.
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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.

