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
Jews & Jazz: Baroness Nica of New York City
By DAVID TOPPER This true story is a sequel to “Jews in Strange Places.”
In the summer of 1964, living in Pittsburgh, I attended the city’s first International Jazz Festival. I remember sitting alone, high in the Civic Arena, looking down on the concert below. I would need to go on-line to retrieve names of who the musicians were that I saw that night – save for one. Sometime in the middle of the show, the entire arena went dark, except for a single overhead beam of light shining down on a solo pianist directly below. It was Thelonious Monk.

To describe Monk’s music to a general audience, I need to speak of dissonance, angular melodic twists, hesitations, and even moments of silence. It was also fascinating to watch him play. With his hands splayed out flat (breaking all the rules of piano etiquette) he jabbed at the notes, as if he was seeing and discovering the keyboard for the first time.
One of the most interesting examples of appreciating Monk’s playing was demonstrated by the experience of a particular jazz critic (but I can’t recall who it was). Having at first only heard Monk’s music, he didn’t like it. But after he saw him playing, he began to understand and eventually to like it.
At that 1964 concert Monk played “Don’t Blame Me.” Not only is it the only thing I remember over the entire evening, but it is, I’m sure, the only piece that made me cry. Yes, I was that moved by his playing. It was a magical musical moment in my life that I’ll never forget.
I don’t know which came first: that concert or my buying the record album on which the tune appears. The record is CRISS-CROSS (Columbia, 1962), and it features Monk’s quartet at that time, with that song being the only solo track. From the liner notes we learn that when Monk left home for the studio, he was asked if he was going to play “Don’t Blame Me.” He said: “Maybe, it depends how I feel when I get there.” At the studio, he sat down at the piano, played a few dance tunes – and with the recording equipment still on – he went straight into that tune. Interestingly, in the liner notes, the writer calls Monk’s music “pure magic” – a phrase, I see, that I also used above.
The writer of these liner notes was Baroness Nica de Koenigswarter, the focus of this story. Born in the UK in 1913, Kathleen Annie Pannonica (Nica) Rothschild, the youngest of four children, grew up in a quarantined life within manor estates. From an early age she showed talent in drawing and painting, later studying art history and branching off into photography (she became obsessed with the new Polaroid camera in the 1950s). It was her brother Victor who introduced her to jazz, particularly the work of Duke Ellington. This was probably in the late 1920s – and she was hooked.
Ever searching for excitement, Nica learned to fly an airplane. It was through flying that she met Baron Jules de Koenigswarter, ten years older and a widower, whom she married in 1935. They eventually settled into a 17th century chateau in north-west France. Over their years together they had five children.
Nica’s adult life is clearly divided into two parts. The second part, her role as the Jazz Baroness Nica in New York City (NYC), is the focus of this story. Nonetheless, some of the highlights of the first part provide some insight into the complexity of this fascinating woman.
Living in France in September of 1939, she experienced the start of World War II. Jules immediately joined the Free French Army as a lieutenant. Nica opened her doors to refugees and evacuees, until the Nazi army was advancing on Paris. Jules urged her to escape, and she did: with her children (she had the first two at this time) she got on the last train of refugees heading toward the English Channel. From the UK they went to the USA, settling in New York.
Jules was now in Africa. Nica (after leaving the children safely with friends in the Guggenheim family, on Long Island) joined him in January 1941 in equatorial Africa. She first worked as a decoder of intelligence, then a radio host, and finally an ambulance driver for the French Division in the North African Campaign. Having survived a bout of malaria in Africa, she was with the troops as they advanced on Rome. At the war’s end she was in Berlin and was decorated for her work.
If Nica hadn’t crossed the Channel in 1939, she may have suffered the fate of some of her family members who stayed in France, such as an 80-year-old aunt who was beaten to death in Buchenwald. Also, Jules had pleaded with his mother to get out, as Nica did, but she dismissed him. She died in Auschwitz, along with most of the rest of Jules’ extended family.
After the war, Nica and Jules were united with their children. Jules was then posted as a diplomat in French embassies – first in Norway and then in Mexico. During this time, their three other children were born. From Mexico City, Nica made occasional trips to NYC to listen to jazz, often alone. It seems that what became Nica’s obsession with the music was, concurrently, a major source of antagonism with Jules. He didn’t like jazz and said so. When they would fight, he would break her records. Inevitably, it led to their separation.
In 1953, Nica moved to NYC (taking along her oldest child, Janka, a teenager). After settling into a suite in the Stanhope Hotel in the Upper East Side, she bought a Rolls-Royce with which to jaunt around to the jazz clubs in the city; since she liked to drag race, she later traded it in for a faster Bentley. This was the era of the famous Five Spots Café, the Village Vanguard, Birdland, and other jazz joints. In a short time, with her upper-class British accent, she became known as the Jazz Baroness, having friendships with and being the patron of many jazz musicians.
Thus begins the second part of her life – and the reason for my story.
But before we venture there, we need to deal with drug addiction. Sadly, drugs played a major role in the lives of many jazz musicians in this era, and I need to discuss it, especially to put in the context of the endemic racism of the times. There were drug laws that the mainly white cops were ever anxious to enforce; and they didn’t hesitate to use their billy clubs to strike any black man’s head, if he resisted arrest. I am not exaggerating: several jazz musicians’ lives were shortened due to a severe beating by a cop. Moreover, the drug lords (some of whom owned the jazz clubs) were mainly from the Sicilian Mafia, who had access to an endless supply of heroin from Turkey, and they specifically targeted the black community. Blacks were easy targets, with their marginal existence within white society. Cramped in ghettos (such as Harlem) they could readily escape with drugs – and, sadly, too many of them did.
It was the bane of the otherwise flourishing development of modern jazz – as it evolved out of the bebop movement into cool jazz, then hot jazz, and on through hard bop and beyond. The names constitute a canon of innovative brilliance: Charlie Parker, Dizzy Gillespie, Coleman Hawkins, Kenny Clark, Bud Powell, Charles Mingus, Teddy Wilson, Art Blakey, Bill Evans, and more. Nica was at the center of all this in NYC – living among these major players all those years.
Nica too was hooked. But not on drugs. She was addicted to alcohol, which probably shortened her life: specifically, Chivas Regal, the exclusive aged scotch whiskey – a bottle of which she inexorably carried in her purse.
Her hotel suite became a place where musicians could get a restful retreat after a gig (sometimes sleeping overnight), a meal (courtesy of Room Service), money (to buy groceries or pay outstanding bills) – and, of course, a place to have after-hours jam sessions. Black musicians (which most of them were) could only avail of these amenities by using the Service Elevator. Dealing with the endemic racism within the social fabric of NYC became part of Nica’s daily life.

The most famous (or infamous) event in her NYC life involved the death of Charlie Parker, otherwise known as Bird. (The jazz club, Birdland, was named after him.) A genius who revolutionized the alto sax with his fast tempos, virtuosic technique, and far-reaching chord structures – he was a major visitor to Nica’s suite. Sadly he was heavily addicted to heroin and on March 15, 1955, he died at the early age of 34. It happened in Nica’s suite, and she had to call a doctor. Upon writing up his report, he estimated Parker’s age as 50 to 60 – that’s what the drugs did to his body. The headline announcing the death in the next day’s newspaper was: “Bird in the Baroness’s Boudoir.” Being a single woman with lots of money that she freely spent, Nica was a lighting-rod for salacious gossip such as this.
It also was the catalyst for Jules to file for divorce. Thus ended their marriage. Not surprisingly, she also was kicked out of her suite.

I recently did an inventory of my record collection and found that among all the jazz albums I have, the one musician for whom I have the most records is the pianist Hampton Hawes. I have 12 records, plus a cassette and a CD. I mention this because he is also one of the few musicians in this significant era of jazz who knew Nica and who wrote an autobiography: Raise Up Off Me (1974). I love this book. Written in Hawes’ black lingo, his account throws light upon Nica’s critical role in the jazz community, especially her friendship with Monk.
But first, a bit about Hawes’ own life. Born in 1928, growing up in Los Angeles (LA), Hawes was the son of a Presbyterian preacher. Self-taught at the piano, he had no familial encouragement to play jazz music. But listening to Bird, Monk, Bud, and others, he became good enough by the age of 18 to jam with some top musicians in LA. By around 1950 Hawes’ career took off with record contracts and (except for a two-year stint in the US Army, stationed in Japan) he continued to play and record – being voted “New Star of the Year” in Downbeat magazine in 1956.
It was around this time that he met Nica in NYC, during a gig at The Embers, a fancy nightclub, where he was well-paid. He also met Monk for the first time. Let me quote widely from his book.
Upon looking out across the tables in the nightclub, Hawes immediately recognised Monk. “Bamboo-rimmed shade, carrying a bamboo cane – he looked like … one of those African kings, strong but beautiful. … He was with a middle-aged woman who gave off a waft of perfume that smelled like it costs $600 an ounce, and when he introduced me – to Baroness Nica – I knew I’d guessed right about the price.” She left before he finished his set. But Monk stayed. “Monk drove me in his blue Buick to Nica’s hotel penthouse on Fifth Avenue. When she opened the door I could hear my album playing – the track, ’Round Midnight that Monk had written. He said to me, ‘I didn’t tell her to put that on.’ I walked into the room where Bird had died a little over a year ago. [That dates this as sometime in 1956.] A lot of paintings and funny drapes, a chandelier like in an old movie palace. Steinway concert grand in the corner. I thought: this is where you live if you own the Chase Manhattan Bank. … Her pad was a place to drop in and hang out, any time, for any reason. … She’d give money to anyone who was broke, bring bags of groceries to their families, help them get their cabaret cards, which you need to work in New York. … I suppose you would call Nica a patron of the arts, but she was more like a brother to the musicians who lived in New York or came through. There was no jive about her, and if you were for real you were accepted and were her friend.” … She gave Hawes a telephone number for a private cab. “If I was sick or fuc-ed up, I’d call the number and the cab would come and carry me directly to her pad.” According to Hawes, Nica picked up the colourful black lingo too.
As noted, many musicians’ lives were cut short due to drug addiction (and sometimes beatings by cops). Again, Nica came through – often paying for their funeral and even the plot, if the family could not afford to. She was there for them, literally, to the end.
Of all the jazz musicians who passed though Nica’s life, the one who had the most significant impact on her was Monk. Even among the wide range of idiosyncratic jazz musicians, Monk still stands out for his uniqueness. He was quirky in his talk, his behaviour, and his music as well. It’s clear that there was some mental illness involved, but it was never fully diagnosed. One doctor insisted that Monk was not manic-depressive nor had schizophrenia. Nonetheless, he had episodes where he was not living in this world. Nica’s gentle demeanour was perfect for Monk. She nurtured and fed him, especially when he became too much for his family.
Let’s bring Hawes’ autobiography back into this story. Once when Hawes was wasted on drugs and stretched out on a bench in Central Park: “a familiar Bentley rolls up to the curb. Nica behind the wheel and Monk saying, ‘Man, get in this car, a good musician ain’t supposed to be sittin’ on no bench lookin’ like you look’.”
Another time he’s in Nica’s penthouse looking for Monk. Hawes “peeks through a doorway at a body laid out on a gold bedspread, mudstained boots sticking out from under a ten-thousand-dollar mink coat and the body’s mouth wide open, sound pouring out of it, and Nica tiptoeing over, finger to her lips as if I’m about to wake a three-week-old baby from its afternoon nap. ‘Shhh. Thelonious is asleep’.”
One notable incident among many: in Delaware in 1958, she and Monk were caught by the police with a small quantity of his marijuana. She took the rap and spent a night or two in jail. She saved Monk’s head, possibly literally. It’s not surprising that the saxophonist Sonny Rollins called her “a heroic woman.”
The year 1958 was also significant in Hawes’ life, for he became the target of a federal undercover operation in LA. Caught with drugs, he was offered this: if he squealed on his drug supplier, he would go free. Hawes refused. Hence, on his 30th birthday, he was sentenced to ten years in prison. An emerging career was cut short; and it was the start of a decade to be wasted. Then in early 1961, watching the prison TV, Hawes heard John F. Kennedy deliver his inaugural speech. Hawes was impressed by the new president’s words. He writes: “I thought. That’s the right cat; looks like he got some soul and might listen.” And so Hawes spent the next few years putting together the documentation requesting a presidential pardon. It was not an easy task. The prison staff were not accommodating. But he persisted, and so, the document was sent off to the White House. I like Hawes’ comment about the very end of his appeal: “To round it off I added some heavy legal sh-t in Latin I’d dug up in the library.”
In August 1963, Hawes was informed that the appeal was granted. (In fact, it was the next-to-last clemency granted by Kennedy; in November he was assassinated.) It cut Hawes’ prison term almost in half. Thus after 4½ years wasted, he was able to re-launch his musical career. He continued to record and travel, but never kicked the heroin habit. In 1977 he died of a brain haemorrhage. At age 48, he left a legacy of so many wonderful jazz albums, including the 14 that I own.
For Nica, her problem was finding a place to live. As noted, she was kicked out of her suite when Bird died. So, she moved to Hotel Bolivar, across Central Park – only to be eventually let go too, due to drugs and noise. Next was the Algonquin in midtown. Shortly thereafter, she was asked to leave that too. In the end, she purchased a house on a cliff over the Hudson River in New Jersey, from which she had a spectacular view of the NYC skyline, and an easy drive to the city through the Lincoln Tunnel. Jazz musicians called it her Mad Pad.
By the 1970s, when Monk dropped out of the jazz scene, he moved in with her. Eventually, he also stopped talking; remaining sequestered in his room, where he died in 1982.
Eventually the heavy dosage of Chivas Regal caught up with Nica. She died of heart failure in 1988 at age 74.
There are numerous songs by jazz musicians in tribute to her; the two most famous are: “Pannonica” by Monk and “Nica’s Dream” by Horace Silver. As well, several nightclubs around the world are named: Pannonica.
Features
Why casinos reject card payments: common reasons
Online casino withdrawals seem simple, yet many players experience unanticipated decreases. Canada has more credit and debit card payout refusals than expected. Delays or rejections are rarely random. Casino rules and technical processes are rigorous. Identity verification, banking regulations, bonus terms, and technological issues might cause issues.
Card payment difficulties can result from insufficient identification verification. Canadian casinos must verify players’ identities before accepting card withdrawals. If documentation are missing, obsolete, or confusing, the request may be stopped or denied until verified.
Banks and card issuers’ gaming policies are another aspect. Some Canadian banks limit or treat online casino payments differently from card refunds. In such circumstances, the casino may recommend a more reliable withdrawal method.
For Canadian players looking to compare bonus terms and payout conditions, check https://casinosanalyzer.ca/free-spins-no-deposit/free-chips. This article explores the main reasons Canadian casinos reject card payouts, from KYC hurdles to bank-specific restrictions, so you know exactly what to watch for.
Verification Issues: Why Identity Checks Matter
KYC rules must be activated by licensed casinos. Players need to submit proof of their identity, address and age. If any documentation is missing, expired or unclear, the withdrawal will be denied. In Canada, for instance, authorities like the AGCO or iGaming Ontario have been cracking down on KYCs by demanding that submitted documents – whether photo ID, utility bills or bank statements – be consistent with all account details.
Common errors are submitting screenshots, cropped photos or documents with names, dates or addresses that aren’t entirely visible. Just the slightest differences in spelling or abbreviations or formatting can get these blocks triggered.
Another possibility is that the account was red flagged if previous withdrawals were already made without partial verification. Keeping precise, readable documents helps facilitate approvals and cuts through delays and frustrating red tape, as Canadian gamblers access their winnings both safely and quickly.
Timing Matters
Verification isn’t always instant. Documents being submitted during the busiest times, or on weekends or holidays can only prolong that approval process, and the withdrawal sitting pre-approved – or refused for that matter – until the casino reviews the paperwork. A lot of players feel disappointment not due to mistakes, but only for that a verification team still hasn’t checked their documents! This can be especially frustrating when winnings come from free chips or bonus play and players are eager to cash out.
Keep personal information current and only submit clear legible files to reduce the processing time. Ensure that any scans or photos are sharp, fully visible and there is no detail missing. Preventing Gaffes With submission guidelines to read over ahead of time and directions for following them exactly, verification issues can often be significantly minimized, avoiding delay in accessing winnings and making the lie down withdrawal process that much smoother at Canadian online casinos.
Banking Restrictions and Card Policies
Not all credit or debit cards are eligible for casino withdrawals. Many Canadian banks restrict transactions related to gambling. For example, prepaid cards, virtual cards, or certain credit cards may allow deposits but block withdrawals. Even if deposits work, a payout can fail if the bank refuses incoming gambling credits.
Cards issued outside Canada can also be declined due to international processing rules. Currency conversion restrictions may prevent a CAD payout to a USD card, depending on the bank’s policies.
Banks keep an eye on abnormal or frequent transactions. Online casinos can flag large or multiple withdrawals as suspicious and in such cases may impose temporary blocks on withdrawals or outright decline the withdrawal until the issuing bank confirms them with its account holder. Contacting your bank in advance will avoid any surprises and make withdrawals go more smoothly. What to consider when using your card in Canada:
- Check if your card type supports gambling withdrawals (prepaid, virtual, and some credit cards may not).
- Confirm whether your bank allows international online casino payouts.
- Be aware of currency conversion restrictions.
- Monitor withdrawal frequency to avoid triggering fraud alerts.
- Contact your bank ahead of time to authorize or clarify online gambling transactions.
- Keep alternative withdrawal methods ready, such as e-wallets or bank transfers.
Being aware of these constraints prevents Canadian players from having declined payouts, delays and waste of time when it comes to handling the casino money properly.
Wagering Requirements and Bonus Conditions
Many Canadians chase casino bonuses, including deals built around free chips, but these offers always come with conditions, Wagering requirements usually require players to bet a multiple of the bonus before withdrawing. Attempting a payout before meeting these conditions will be automatically declined. Not all games contribute equally: slots often count 100%, table games 10–20%, and certain features nothing at all.
Misinterpretation of this, can make it appear as though a withdraw should be valid, while the casino believes there are unmet bonus requirements. Some casinos also impose a minimum withdrawal amount and will cap card payouts. And if you have more than the minimum in your account, a limit set off by your bonus could limit withdrawal. By testing these issues early on, you can save yourself a lot of aggravation. How to manage bonus conditions effectively:
- Have a close look at the terms of the bonus – check out wagering requirements, game contribution and time limits.
- Track your progress – note how much of the bonus has been wagered and which games contribute most.
- Plan your gameplay – prioritize slots or eligible games to efficiently meet wagering.
- Check withdrawal limits – ensure your balance meets minimums and bonus-specific caps.
- Avoid early withdrawals – never attempt a cash-out before meeting all conditions.
- Use trusted sources – platforms like CA CasinosAnalyzer can clarify real requirements and prevent surprises.
Following these steps helps players meet bonus conditions without stress and makes bankroll management smoother.
Features
What is the return on investment of US military spending on Israel?
By GREGORY MASON A recurring theme of Israel’s critics is that were it not for US spending on its war machine, it would be unable to wage genocide. I will leave the genocide issue (sic, I mean non-issue) aside as it has been well covered here and here.
Of course, right now (March 11), the war is going well for Israel and the US. In fact, the Israeli and American air forces are showing a level of coordination enabled by decades of close cooperation between the two militaries. I recall a conversation with an IDF colonel, the commander of a base near Eilat, in 2010, during a mission that gave participants access to high-level military briefings. Tensions between Israel and the US had soured, as they periodically do, and I asked whether this ebb and flow in political posturing affected military operations. The colonel said political leaders come and go, but the cooperation between the Israeli and American militaries is very tight. To quote him, “they need us as much as we need them. We are their eyes and ears in this part of the world.”
Many on both the right and left call for the US to disengage from Israel, especially with respect to defence spending. First, let us look at facts.

Table 1 readily shows the impact of the war in Ukraine, with Russia’s spending also reflecting wartime demands. Israel’s total commitment of 5-6% of GDP amounts to $45 billion in defence spending, reflecting its perpetual need to defend itself and maintain a permanent reserve force. Table 2 elaborates on defence spending as a share of public spending. Unlike other countries that have been free riding under the US military umbrella (and Canada is the most egregious of the lot), Israel has made very substantial commitments to its own defence. The $3.8 billion spent on hardware for US equipment is a fraction of Israel’s total defence budget of about $43 Billion. All U.S. financial aid to any country for military hardware must be spent on U.S.-manufactured equipment by law.

Critics of US defence funding for Israel miss two key points. First, as Table 3 shows, financing sent to Israel does not involve troop deployment. Israel does not want the US to station troops within its borders. The costs of maintaining troop deployments and all the associated support costs for NATO, Japan, and South Korea are orders of magnitude higher than the financing for the hardware it provides to Israel.

Second, and the current joint US/Israeli operations in Iran bear this out, Israel has dramatically improved the equipment platforms it purchased. Examples include:
- The F-15 has benefited from Israeli wartime use, resulting in major improvements, including a redesigned cockpit layout, increased range through fuel redesign, improved avionics, new weaponry, helmet-mounted targeting, and structural strengthening.
- Because Israel was an early partner in the fighter’s development and had access to its top-secret software suite, the Israeli version of the F-35 is a radically different plane than the model delivered. Improvements include increasing operational range, embedding advanced air defence detection, and integrating the fighter with Israel’s defence network, creating extensive system integration. This proved instrumental in the rapid establishment of air superiority in the 12-day war in 2025.
- The THAAD (Terminal High Altitude Area Defence) program has benefited from a joint research and development relationship between Israel and the U.S.
- Finally, Iron Dome has contributed to U.S. air defence development, particularly the Tamir interceptor technology, battle management, target discrimination, and the development of a layered air defence system.
No senior military or political official questions the return on investment American gains by funding Israel’s acquisition of U.S. military hardware.
