Features
How Elliot Rodin was inspired to create a website offering advice on when to take your Canada Pension
By BERNIE BELLAN In 2019 Elliot Rodin happened to read an article about an authoritative U.S. report that provided a detailed analysis showing that 94% of Americans pick the wrong time to begin taking Social Security benefits. Reading about that report led to a shift in Rodin’s life.
Two years after closing down the business (Central Grain) that had been in his family’s hands for over 60 years, Rodin says that he then had time to think about the implications of that US report – and how it could translate into the Canadian scene.
Now, some 15 months after reading about that U.S. report, Rodin has launched a website titled HelpYouRetire.ca.
Long an active member of the Jewish community, Rodin says his most recent involvement in the community was helping to build Oholei Torah Day School at the Jewish Learning Centre in Winnipeg. He says he’s also been on the board of the Shaarey Zedek Synagogue, the Board of Jewish Education, the Winnipeg Jewish Community Council, the Jewish Foundation of Manitoba, and had been a canvasser for the CJA for years, beginning under Ralph Hamovich. He was also a co-chairman of the Operation Exodus campaign.
Still, it’s a long way from running a cattle feed business and volunteering for different Jewish organizations to creating a website intended to help individuals plan their retirement dates.
Using very sophisticated analytical tools, HelpYouRetire.ca allows users to enter information about their age, the age at which they would like to retire, how much they would expect to receive in either CPP/QPP or OAS at a certain age, and how much more they could expect to receive if they were to postpone taking either CPP or OAS by just one year. This financial gain is also shown both as a percentage of future pension proceeds and as a percentage of the annual pension. For a small fee, all of this information can be shown in the “advanced analytics” for all years up to age 69. The information (which can be downloaded) is displayed in bar charts and a numeric chart together with the projected annual pensions.
This information is of great value for anyone thinking about their retirement planning. It can also be very helpful to those who have recently started taking either CPP/QPP or OAS pensions. A little publicized provision of these plans is that within six months of starting to receive one of these pensions, you can reverse your decision by paying back the monies received. In that event, you can take the related pension at a later date. The “advanced analytics” on HelpYouRetire.ca can give you information to assist in making that decision.
But, before we launch into a further exploration of how Elliot Rodin came to be involved in an endeavour that was far removed from selling cattle feed – which was the primary activity of Central Grain, we thought it might be interesting for readers to know something about Rodin’s life. During a long phone conversation we had Rodin told quite an interesting story how he ended up being involved with Central Grain for 60 years – when, had it not been for a fire there in 1966, he probably would have ended up doing something completely different.
While his recent foray into the world of retirement planning might be considered a radical departure for someone who spent so much time in the feed business, when you read about his educational background and his first entry into the business world, you’ll begin to understand how he developed the fine analytical skills that eventually lent themselves to creating HelpYouRetire.ca
Born in 1943, Rodin is the oldest of three children. His earliest years were spent living in his grandparents’ house on Bannerman Avenue, he says, along with his parents and, for a short while, his younger sister, Janis.
“My father (Maurice) was a fruit store proprietor,” Rodin says. “He would be up early in the morning to pick up the fruit. And because we were living at my grandparents’ house, he wasn’t paying any rent, so he was able to save some money. My mother (Lillian) was a university graduate who motivated all her children to work hard and succeed.”
In 1946, an opportunity arose for Rodin’s father to become, with $10,000, a one-third partner in Central Grain, in partnership with the Kanees and the Malchys. “The Malchy who was involved in the partnership died in 1951,” Rodin explains. “My dad and the Kanees bought out his interest and became half partners.
“In 1956, with the assistance of my grandfather, my dad bought out the Kanees and became the sole owner of Central Grain,” Rodin continues. “Soon after that time we moved to the south end – to 431 Queenston.” However, family connections were maintained as Sunday was the day when the whole family would go to the north end to visit relatives.
As a teenager Elliot says that his involvement in the Toppers chapter of BBYO was very important to him. He and his friends learned to organize themselves for a wide range of social, athletic, cultural and fund raising activities.
But, early on he had a taste of the world of business – both in his father’s company and in his own small scale business.
“When I was 16-17 I would go into the office and help with the bookkeeping – and other odd jobs around the place in the summertime,” he explains.
At the same time though, “I had my own business,” he adds. “I had a grass cutting business.” (At that point Rodin tells a story about how one of his customers didn’t want to pay him. Rodin says that he and his friend, Michael Nozick, proceeded to serve a small claims summons against that individual. Apparently, that was Michael Nozick’s first foray into the legal world. By the way, the customer ended up paying Rodin what he was owed.)
In the early 1960s Elliot began a period in his life that saw him acquire a solid education in finance, starting with his obtaining a Bachelor of Commerce degree from the University of Manitoba in 1963.
Rodin continues his story: “I decided I wanted to go away for my MBA degree. I visited three different schools. I took a bus trip – about 43 hours, to Philadelphia, to the Wharton School of Finance, then to Boston, to the Harvard Business School, and then to Ann Arbor, Michigan, to the University of Michigan.
“I had also put my application into Stanford. I wasn’t accepted at Stanford, but I was accepted at Wharton and Michigan, while Harvard said basically ‘We won’t accept you this year because you’re a little young, but we’ll promise you a place in next year’s class.’
“So I decided to wait a year. I worked in the family business for a year, then I went to the Harvard Business School because that was what I thought was the top place to go. I spent two years there and while I was there I also spent one summer with the Skelly Oil Company in Tulsa, Oklahoma.
“I was working on special projects for the treasurer (of Skelly Oil). One of them was a computerized analysis of how to make oil drilling decisions, but it never got off the ground – even though the analysis was very sophisticated, because the exploration people would not accept it because they saw it as infringement on their turf.
“Still, I learned a lot from that particular project. It was my first serious analytical job that had some relationship to the work I was doing at Harvard (and, as Rodin explains later, proved to be of great value in his recent decision to create a website that emphasizes analytical tools.)
“As it turned out, the treasurer at Skelly wanted to hire me when I graduated, but at that time I couldn’t consider working in the States because I would have been drafted. The fact that I was a Canadian wouldn’t have made any difference.
“If I had been a student I wouldn’t get drafted. I also didn’t take any other opportunities that I had in the States. I limited myself to working in Canada.
“I ended up working for six months in Edmonton for a company called the Principal Group. While I worked there I had a lot of diverse responsibilities. I chose all their stocks for a new mutual fund they set up, and designed the text and written material for their first Annual Report. I also did all sorts of analysis for their mortgage operations.
“Then I got the news that the Central Grain plant had been hit by lightning and three-quarters of it had burned down.
“Central Grain was an animal feed processing plant. During the years that my dad was building it up we were basically selling pellet feed for export to the United Kingdom, to Japan, Taiwan. We would load railway cars with pellets, ship them to Thunder Bay, for destinations in the United Kingdom, or ship it to Vancouver for export.
“When this (the fire) happened in 1966, I had to come back to Winnipeg to help my dad settle all the insurance. There were a lot of issues and we rebuilt the plant, but all the key parts of the plant were burned down.
“I decided to settle down in Winnipeg. I took a job with Investors Group, which was similar to what I had in Edmonton. For the first year I was doing special projects, including a report on tax policy. We recommended how life insurance companies should be taxed. (This was before Investors bought Great West Life.) Most of our recommendations were adopted. We were competing with life insurance companies at that time and life insurance companies weren’t paying their fair share of taxes.
“After that year I did some product analyses. Then I started working for the securities department as an analyst. Over a period of time I became a portfolio manager. I ran the Investors international mutual fund. Then I ran the Investors pension accounts. We managed the Hudson’s Bay pension account.
“I was at Investors for 12 years (from 1968-80) and became a vice-president. I left to pursue some independent activities”, but joined Central Grain when it became clear that his dad needed Elliot’s help.
When he joined Central Grain full time in 1980, Rodin began focusing on broadening the markets for the company’s feed pellets. Markets in Western Canada and the United States were cultivated, but he says that he always made sure that the needs of his regular customers were attended to.
“I never took advantage of the fact that there might be a drought in Southern California, for instance, and short my customers in Saskatchewan because I depended on my regular customers for the long haul,” Rodin says.
“I would work long hours if necessary. If a truck came in late and had to be loaded, I would load the truck myself.
Although Central Grain had become a very successful business, Rodin says that the “maximum number of employees we had at one time was no more than 15. We had one truck, but for the most part we hired other trucking companies. We had a machine shop, but the stuff we couldn’t do – we hired other machine shops to do.
“We bought basically the ‘clean-outs’ from grain – all the leftover product. It was all categorized and separated out and properly blended to make different qualities of feed pellets. There was no plant in North America that shipped product as far as we did. We used to ship up to 2,000 miles. Most feed companies ship up to 200 miles.
“The business ran until about three and a half years ago. We were gradually losing customers for reasons that I can’t quite figure out. I needed additional volumes because the company had substantial overhead – for repairs and maintenance.
“So we started to do fuel pellets. We became the second largest manufacturer of fuel pellets in Manitoba – as a substitute for coal, using the same screenings – but the lower quality screenings. The top quality screenings were turned into top quality feed for cattle and bison.
“I was reasonably successful at doing this, but at the end of the day the plant was an old plant. Remember, it was rebuilt in 1966. What was new in 1966 was not new 50 years later. The costs of maintaining the plant to the standards we had to maintain were going up and up.
“Finally, I made the decision that I’m going to have to close it down. I thought: ‘If I can’t make a living at this, then nobody can.’ I decided I’d have to tear the whole place down – and that’s what I did.
“I realized I was getting older and if I didn’t do it I didn’t want to have my children to have the burden of doing it. So, everything that I had built up over 50 years was torn down. I sold whatever equipment that I could, but the rest all went for scrap.
To return to the initial reason for doing this article, Rodin explains his motivation in wanting to create HelpYouRetire.ca. As we already noted, the catalyst was reading about that U.S. report about social security and “that 90% of people in the United States take their pensions at the wrong time.”
He adds though, that “an additional underlying factor in my motivation is that I missed the daily rewards (not the aggravation) that I got from my job running Central Grain. I loved selling and enjoyed my interactions with customers. At the end of the day when I had loaded four big trucks I came home with a feeling of accomplishment. So, I was primed for another challenge where I could get these feelings back. With this website, I am now focusing on marketing where I have to sell myself and the site.”
I asked Rodin whether there was anything in particular in his background that lent itself to the kind of analytical exercise upon which he was to embark.
He answers that “a course that I took at Harvard Business School and the work that I did at Skelly Oil were very relevant to this process.”
I said though “that it sounds like you would need the same background as an actuary” in order to undertake the project into which Rodin has entered.
Rodin agreed, saying “you’re hitting upon a very key point when you say that, but there are a lot actuaries around. Nobody thought of doing what I’m doing.
“I guess part of the answer is most actuaries are fully employed. There aren’t a lot sitting around thinking about what they can do to help Canadians.
“You have to remember that I spent 13 years as a securities analyst and a portfolio manager, so my mind works in a certain way. Nothing that I did at Central Grain though related to this project.”
I asked what were the first steps that Rodin took in developing his website.
He says: “The first steps were that I needed to see whether I could develop the necessary mathematical models to do what I had in mind. Once I had the mathematical models I began working on the structure of a website that would put these mathematical models into practice.
“I was told by various people that setting up a website is not all that difficult.” (Boy, were they ever wrong when it came to this website!)
After an initial contact with someone who was working on their PhD and thought they might be able to produce the kind of website Rodin was looking to create didn’t pan out, a company in Ottawa that had built a similar kind of website agreed to take on the project.
“The idea was that it was going to take a few months” to create the website, Rodin explains.
“But from the time we started up toward the end of February (just before the pandemic hit Canada in full force) it took until the end of August” to finalize the site.
“Every aspect along the way had to be just right – from the mathematics to the functionality. It had to be there so that even people who don’t know much about computers or websites would be able to use this website. Finally, we reached the point where I’m extremely happy with the site.”
So, having read this far, you might ask yourself: “Why should I go to HelpYouRetire.ca?”
It’s quite an easy site to navigate. As has already been explained, simply enter some basic information and the site will provide you with some quick results about how postponing your decision to begin taking either CPP/QPP or OAS by one year will benefit you – or might have benefitted you if you’re already taking your pension.
Then, as Rodin explained, if you’re wanting to know more about how much more your pension would be affected if you decide to wait even longer to begin taking your pension, for a fee you can obtain access to even more comprehensive analytical tools that will show that. The results might surprise you – and it may end up being one of the most important decisions you might ever make with regard to retirement planning.
Features
History of a Holocaust Survivor Turning Eighty
By HENRY SREBRNIK On July 19, I turn 80 years old. This is indeed a milestone, but for me, an even bigger one was just being born. My parents were Holocaust survivors, and I found out just a few months ago that, technically, so am I. My parents were from Czestochowa, Poland, where I was born in 1945. By 1943 most Jews in the city, including their own families, had been murdered by the Nazis, at Treblinka, and after the uprising in the Jewish ghetto, my parents, by now married, became slave labour in a major Nazi munitions plant, the HASAG-Pelcery concentration camp, in the city.
The Russian army liberated Czestochowa January 16-17, 1945, and I was born July 19, six months later. You can do the math. My mother was emaciated and didn’t even know she was pregnant, but another month, and it would have been obvious, and she would have been killed. (I never asked how this happened but found out when listening to her testimony for the Shoah Foundation in 1995. The men and women were housed in different barracks, but one night the Germans were delousing one of the buildings and allowed married couples to sleep together in the other.)
In 1945 the 9th of Av fell on July 19, and the Jewish world had just gone through our worst period in history. I was born in a makeshift hospital at the Jasna Gora, the famed Pauline Catholic monastery in the city. The actual city hospital had been destroyed in the fighting. It is home to the Matka Boska Czestochowska, (“the mother of God”), a very beautiful and large icon of Mary and the baby Jesus. Other women giving birth were surprised and one said, “Ona jest Zydowka” (She’s a Jew). So, though I am a proud Polish Jew, this could only have helped! The doctor who delivered whispered to my mother that he was Jewish but added that he wanted it kept quiet because he wasn’t going to leave Poland. It also took awhile for a mohel to come to the city for me.
The next few years were spent in Pocking-Waldstadt, a DP camp in the American zone in Bavaria, Germany, and then on to Pier 21 in Halifax and Canada. We lived in Montreal, though at home we were to all intents and purposes in Czestochowa, Jewish Poland.
As I was packing up my books in May because we all had to vacate our offices for the summer due to repairs in our building, I came across a book that I had never read – I don’t even recall where I got it — by the Polish historian Lucjan Dobroszycki, Survivors of the Holocaust in Poland: A Portrait Based on Jewish Community Records 1944-1947 (Armonk, New York: M.E. Sharpe, 1994). Chapter 5 is comprised of “Lists of Jewish Children Who Survived,” in alphabetical order. I am listed on p. 146 (Heniek Srebrnik, 1945). I sent in a form to the Claims Conference in New York informing them. So, at age 80, I’ve become a Holocaust survivor! Compared to that start, the next decades have been easy street! As the Aussies say, “no worries! But the Jewish world has grown darker. Like many others, were I to write a memoir, I’d call it From Hitler to Hamas.
I grew up in Montreal, and have lived in Calgary and Charlottetown, as well as London, England, and four American cities. But I’ve only been to Winnipeg twice, in 1982 and, more dramatically, the weekend of Sept. 7-10, 2001. I presented a paper on “Birobidzhan on the Prairies: Two Decades of Pro-Soviet Jewish Movements in Winnipeg,” to a conference on “Jewish Radicalism in Winnipeg, 1905-1960,” organized by the Jewish Heritage Centre of Western Canada. I left the morning of Sept. 11. An hour into the flight to Toronto we were told all airplanes had to land at the nearest major airport. I spent the next three days in Sault Ste. Marie, Ont., with fellow passengers. We mostly watched the television reporting on the 9/11 catastrophe.
Though an academic, I have always written for newspapers, including Jewish ones, in Canada and the United States. Some, like the Jewish Free Press of Calgary, the Jewish Tribune of Toronto, and the previous version of the Canadian Jewish News, no longer exist, which is a shame. Fortunately, the Jewish Post still does.
Henry Srebrnik is a professor of political science at the University of Prince Edward Island.
Features
Why Prepaid Cards Are the Last Refuge for Online Privacy in 2025
These days, it feels like no matter what you do online, someone’s watching. Shopping, streaming, betting, even signing up for something free—it’s all tracked. Everything you pay for with a normal card leaves a digital trail with your name on it. And in 2025, when we’re deep into a cashless economy, keeping anything private is getting harder by the day.
If you’re the kind of person who doesn’t want every little move tied to your identity, prepaid cards are one of the only real options left. They’re simple, easy to get, and still give you a way to spend online without throwing your info out there. One card in particular, Vanilla Visa, is one of the better picks because of how widely Vanilla Visa is accepted and how little personal info it needs.
Everything’s Online, and Everything’s Tracked
We used to pay for stuff with cash. Walk into a store, hand over some bills, leave. No names, no records. That’s gone now. Most stores won’t even take cash anymore, and the ones that do feel like the exception. The cashless economy is here whether we like it or not.
So what’s the problem? Every time you swipe or tap your card, or pay with your phone, someone’s logging it. Your bank saves the details. The store’s system saves it. And a lot of times, that data gets sold or shared. It can get used to target you with ads, track what you buy, where you go, and when you do it.
It’s not just companies either. Apps collect it. Hackers try to steal it. Some governments keep tabs too. And if you’re using the same card everywhere, it all gets connected pretty fast.
Why Prepaid Cards Still Matter
Prepaid cards are one of the only ways to break that chain. You go to a store, buy one with cash, and that’s it. No bank involved. No name. You just load it up and use it. And because Vanilla Visa is accepted on most major websites, you can use it just like any normal card.
You’re not giving out your real name or tying it to your main account. That means when you pay for something, it’s not showing up on your bank statement. It’s not getting saved under your profile. You’re basically cutting off the trail right there.
Why Vanilla Visa Stands Out
There are a few different prepaid card brands out there, but Vanilla Visa is probably the most popular. You can grab one at grocery stores, gas stations, pharmacies—almost anywhere. And once you’ve got it, you can use it on pretty much any site where Vanilla Visa is accepted.
No long setup. No personal info. You don’t need to register it under your name. You just pay, go online, and spend the amount that’s on the card. When it runs out, you toss it and move on. No trace.
This makes it great for anyone who wants to sign up for a site without attaching their real identity. People use it for online gaming, streaming, subscriptions, or just shopping without giving out their main card info.
The Good and the Bad
There are some solid upsides to using a prepaid card:
- You don’t need a bank account
- You don’t give out your name or address
- It’s easy to budget since you can’t spend more than you loaded
- Most major sites take them, especially where Vanilla Visa is accepted
But there are a few downsides too:
- You can’t reload the card. Once it’s empty, it’s done
- You can’t use it to get money out, like at an ATM
- Some cards have small fees or expiration dates, so don’t let them sit too long
- A few sites want a card tied to a name and billing address, which doesn’t work here
- If you lose it or someone steals the number, you’re probably not getting the money back
So yeah, prepaid cards aren’t perfect. But if privacy is the goal, they’re still one of the few things that actually help.
Real Ways People Use Them
Let’s say you’re trying out an online casino. You don’t want your bank seeing it. You don’t want it on your statement. You walk into a Walgreens, buy a Vanilla Visa with a hundred bucks in cash, then use it to make your deposit. Done. The casino sees a card, but not your name.
Or maybe you’re signing up for a new subscription. Could be a video platform, a magazine, whatever. You don’t want it auto-charging your main card every month or sharing your info with advertisers. Use a prepaid card, and it stays off the radar.
Even if you’re just buying something from a site you don’t totally trust, using a card that isn’t tied to your real money is a smart move.
Will These Cards Still Be Around?
That’s the thing people are starting to worry about. Some stores have started asking for ID when you buy higher-value prepaid cards. And there’s talk in some countries about requiring people to register cards before using them.
Governments don’t like anonymous money. Companies definitely don’t. There’s a chance that in the future, prepaid cards will be harder to get or come with new rules.
But for now, they still work. You can still walk into a store with cash and walk out with a prepaid card. And as long as Vanilla Visa is accepted at the places you shop, you’ve got a way to stay private.
Bottom Line
If you’re living in 2025 and trying to protect your privacy online, prepaid cards are one of the last easy options. The cashless economy makes it almost impossible to pay without leaving a record, but prepaid cards break that pattern. They don’t ask for your name. They don’t track your habits. And they don’t leave a trail if you use them right.
They won’t fix everything. They don’t keep you completely invisible. But they give you a level of control that’s hard to find now. In a world that wants to watch your every move, that still counts for something.
Features
Winkler nurse stands with Israel and the Jewish people
By MYRON LOVE Considering the great increase in anti-Semitic incidents in Canada over the past 20 months – and the passivity of government, federally, provincially and municipally, in the face of this what-should-be unacceptable criminal behaviour, many in our Jewish community may feel that we have been abandoned by our fellow citizens.
Polls regularly show that as many as 70% of Canadians support Israel – and there are many who have taken action. One such individual is Nelli Gerzen, a nurse at the Boundary Trails Health Centre (which serves the communities of Winkler and Morden in western Manitoba). Three times in the past 20 months, Gerzen has taken time off work to travel to Israel to support Israelis in their time of need.
I asked her what those around her thought of her trips to Israel. “My mother was worried when I went the first time (November 2023),” Gerzen responded, “but, like me, she has trust in the Lord. My friends and colleagues have gotten used to it.”
She also reports that she is part of a small group of fellow believers that meet online regularly and pray for Israel.
Gerzen is originally from Russia, but grew up in Germany. Her earliest exposure to the history of the Holocaust, she relates, was in Grade 9 – in Germany. “My history teacher in Germany in Grade 9 went into depth with the history of World War II and the Holocaust,” she recalls. “It is normal that all the teachers taught about the Holocaust but she put a lot of effort into teaching specifically this topic. We also got to watch a live interview with a Holocaust survivor.”
What she learned made a strong impression on her. “I have often asked myself what I would do if I were living in that era,” she says. “Would I have been willing to hide Jews in my home? Or risk my life to save others?”
Gerzen came to Canada in 2010 – at the age of 20. She received her nursing training here and has been working at Boundary Trails for the last three years.
“I believe in the G-d of Israel and that the Jews are his Chosen People,” she states. “We are living at a time of skyrocketing anti-Semitism. Many Jews are feeling vulnerable. I felt that I had to do something to help.”
Gerzen’s first trip to Israel was actually in 2014 when she signed onto a youth tour organized by a Christian group, Midnight Call, based in Switzerland. That initial visit left a strong impact. “That first visit changed my life,” she remembers. “I enjoyed having conversations with the Israelis. The bible for me came to life. Every stone seemed to have a story.”
She went on a second Midnight Call Missionaries tour of Israel in 2018. She went back again on her own in the spring of 2023. After October 7, she says, “I couldn’t sit at home. I had to do something.”
Thus, in November 2023, she went back to Israel, this time as a volunteer. She spent two weeks at Petach Tikvah cooking meals for Israelis displaced from the north and the south as well as IDF soldiers. She also spent a day with an Israeli friend delivering food to IDF soldiers stationed near Gaza. She notes that she wasn’t worried so close to the border.
“I trusted in the Lord,” she says. “It was a special feeling being able to help.”
Last November, she found herself at Kiryat Shmona (with whom our Jewish community has close ties), working for two weeks alongside volunteers from all over the world cooking for the IDF.
On one of her earlier visits, she recounts, a missile struck just a few metres from the kitchen where the volunteers were working. There was some damage – forcing closure for a few days while repairs were ongoing, but no injuries.
In January, she was back at Kiryat Shmona for another two weeks cooking for the IDF. She also helped deliver food to Metula on the northern border. This last time, she reports, there was a more upbeat atmosphere, “even though,” she notes, “the wounds are still fresh. It was quieter. There were no more missiles coming in.
“Israelis were really touched by the presence of so many of us volunteers. I only wish more Christians would stand up for Israel.
“It was really moving to hear people’s stories first-hand.”
She recounts the story of one Israeli she met at a Jerusalem market who fought in the Yom Kippur war of 1973, who was the only survivor of the tank he was in.
“This guy lost so much in his life, and he was standing there telling the story and smiling, just trying to live life again,” she says. “The people there are so heartbroken.”
Back home, she has been showing her support for Israel and the Jewish people by attending the weekly rallies on Kenaston in support of the hostages whenever she can.
She is looking forward to playing piano at Shalom Square during Folklorama.
Nelli Gerzen doesn’t know yet when she will be returning to Israel – but it is certain to be soon. “This is my chance to step up for the truth,” she concludes. “I know that supporting Israel is the right thing to do. When I am there, it feels like my heart is on fire.”