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.

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.

Canadian Prairies of the West and Jewish Pioneer Families

Early Western Canada boasted prairies and Jewish immigrant families’ settlements. Here is how they kept the Hebrew language alive and built makeshift schools.

Western Canada in the late 1800s was nothing more than plains. Wild grass and strong prairie winds covered the terrain. But that open land and freedom became a lifeline for thousands of Jewish immigrants. They were running from dangerous attacks in Europe to the safety of farm life in Canada. These families settled where there was nothing and the closest towns were miles away. They lived without electricity or running water. But even though every day was a survival for them, they managed to preserve their heritage and language.

Their effort to do so was enormous, but the information about it is mostly available in deep historical archives. If you need to write a detailed history paper on Canadian homesteaders, you’d probably be better off using the WritePaper academic help platform. Their experts have access to extensive knowledge bases, including numerous archives. If you just want to get a glimpse of how these families did it, here are some interesting facts.

Let’s start with the early farming towns these families built from scratch.

Early Farming Towns

Between 1880 and 1910, several Jewish farming towns started on the Canadian plains. These families left dangerous conditions in European countries like Russia, Lithuania, and Romania. They wanted a safe, fresh start on the land. They built farming communities with unique names like Hirsch, Wapella, Lipton, and Edenbridge in Saskatchewan. Other families started settlements like Bender Hamlet in Manitoba. When they first arrived, the land was completely wild and flat.

The weather was incredibly tough for the new farmers. The first winters were so cold that many families lived in sod dugouts. These were temporary homes dug right into the ground with roofs made of thick dirt and grass. Luckily, local Indigenous and Métis neighbors stepped in to help. They taught the newcomers how to build warm log cabins out of wood and clay. They also showed them how to survive freezing winter blizzards. Once the families had food and shelter, they focused on education. They knew that even though Yiddish was their everyday language, their kids still needed to learn Hebrew. Without Hebrew, their religious identity would fade away in the wilderness.

Classrooms out of Logs and Mud

How do you run a school when your neighbors live miles away? Several academic papers on this era show that starting a school required hard work and teamwork. One of the articles by Eric Stelee, who also writes for the best paper writing service WritePaper, points out that studying these early schools requires looking at deep community sacrifices. Farming families had to build everything with their own two hands. They set up Talmud Torahs. These were traditional afternoon Hebrew schools. Kids there were taught religious reading, writing, and daily prayers.

Building these schools, however, wasn’t the only problem pioneers came face to face with:

• Since trained teachers wouldn’t move to remote frontier farms, communities had to find and hire traveling tutors.
• Kids often had to walk or ride horses for many miles through deep snow just to get to a single lesson.
• Before permanent schoolhouses were finished, simple log cabins and small community halls had to double as schoolrooms during the week.
• Spring planting and fall harvest affected attendance significantly. Parents often needed their kids to help them in the fields.

Real Numbers of the Prairie Frontier

Old records show exactly how fast these prairie communities grew out of the wilderness. Between 1884 and 1912, Jewish families started 31 different farming communities across the Canadian prairies. The Canadian government offered 160 acres of wild land to any settler for a fee of just ten dollars. The only catch was that families had to clear the land and farm it successfully.

In 1892, a group of 47 families started the Hirsch community in Saskatchewan. Later, in 1906, another group of 56 pioneers started the Edenbridge community further north. By the year 1911, the official census counted exactly 2,066 Jewish people living in the province of Saskatchewan alone. These families proved that hard work could protect their language and history in a brand-new country.

The Tools of Prairie Learning

Books were very rare and expensive on the early Canadian frontier. Most families could only bring a few holy books packed tightly into their wooden trunks when they left Europe. These family treasures became the main textbooks for pioneer kids.

To keep their traditions alive without modern school supplies, families had to be creative:

• Parents spoke Yiddish at home, but they also repeated Hebrew prayers and holy songs aloud while cooking or feeding farm animals.
• They would gather kids around a single, worn-out family Bible to read the Hebrew letters together by the light of a lamp.
• Small towns shared their money to hire one person who worked as both the community butcher and the school teacher.
• Permanent wood synagogues, like the Beth Israel Synagogue built in 1908, became the centers for kids’ religious education.

Hebrew stayed alive as a sacred language on the flat plains because of these efforts. Kids learned the ancient alphabet and historic prayers while living thousands of miles away from big cultural cities.

Conclusion

Canadian prairie communities proved to the world that language and heritage can be preserved if you put your heart into it. Unfortunately, most of these farms disappeared during the Great Depression and the draw of big cities. But places like Edenbridge still exist today and have become important historic sites. These places keep memories of those mud and log schoolhouses alive.

Pioneer Jewish families that came to Canada in the 1800s had nothing, yet they still managed to pass knowledge down to their children. One candlelit lesson at a time.