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
How DIY Auto Repairs Can Help You Cut Costs—Safely

Regular maintenance and minor repairs are the greatest approach for many car drivers to save money without sacrificing dependability. DIY repairs can save you a lot of money over the life of your car since most of the expense is in the labour. DIY helps you learn how things work and notice tiny issues before they become costly ones. Every work requires planning, patience, and safety.
Test Your Talents with Safe Limits
DIY solutions succeed when one is honest about their talents. Wiper blades, air filters, and occupant filters are beginner-friendly. With the correct equipment, intermediate owners can replace brake pads, spark plugs, coolant, and brake fluid. Pressurized fuel, high-voltage hybrids, airbags, and timing components are risky. Only professionals should manage them. Limitations protect you and your car. Drivers trust sources like Parts Avenue to find, install, and schedule manufacturer-approved work.
Set Up a Reliable Workspace and Tools
Good tools pay for themselves quickly. Ratchets, torque wrenches, combination wrenches, heavy jack stands, and wheel chocks are essential. It is advisable to engage specialists for specific tasks. A clean, flat, well-lit, and open space is essential. Please take your time. While working, keep a charged phone nearby to read repair instructions or write torque patterns.
Find the Problem before Replacing the Parts
It may cost more to replace something without diagnosing it. Instead of ideas, start with symptoms. OBD-II readers detect leaks, sounds, and DTCs. Simple tests like voltage, smoke indicating vacuum leaks, pad thickness, and rotor runout might reveal failure. A good analysis saves components, protects surrounding parts, and fosters future trust.
Maintenance That Pays off is Most Crucial
Jobs compensate for time and tools differently. Prioritize returns and maintenance. Change the oil and filter, rotate the tires, evaluate the air pressure, replace low brake fluid, clean the coolant with the right chemicals, and replace belts and filters before they fail. These items extend automotive life, stabilize fuel efficiency, and reduce roadside towing issues that can take months to resolve.
Do as Instructed, Utilize Quality Parts, and Follow Torque Requirements
Understand the service. Set the jacking points, tighten the screws in the appropriate order, and use threadlocker or anti-seize as suggested by the maker. Rotor wear can cause leaks, distortions, or broken threads. Choose components that meet or exceed OEM requirements and fit your car’s VIN, engine code, and manufacturing date. Cheap parts that break easily cost extra.
Test, Record, and Discard Carefully
Safely test the system before patching. Check under the car for drops, bleed the brakes again, and check fluid levels after a short drive. Note torques, parts, miles, and repair date. Photo and document storage for car sales. Properly dispose of oil, filters, coolant, and brake fluid. Controlling hazards protects your community and workplace.
Know When to Seek Professional Help
Self-employed individuals recognize their constraints. If a task is challenging, requires special instruments, or involves safety, consult an expert. Collaboration makes cars safer, cheaper, and more efficient. Selecting, planning, and implementing processes properly improves performance, lowers costs, and ensures safety.
Features
What It Means for Ontario to Be the Most Open iGaming Market in Canada

Ontario is the most open commercial iGaming market in Canada, having been the first province to open up to commercial actors in the online casino and betting space since 2022.
Since gambling laws in Canada are managed on a provincial level, each province has its own legislation.
Before April 4th, 2022, Ontario was similar to any other Canadian province in the iGaming space. The only gaming site regulated in the province was run by government-owned Ontario Lottery and Gaming Corporation, also known as OLG. However, when the market opened up, numerous high-quality gambling companies established themselves in the province, quickly generating substantial revenue. As the largest online gambling market in Canada, it’s now, three years later, also one of the biggest in North America.
The fully regulated commercial market is run under iGaming Ontario and the Alcohol and Gaming Commission of Ontario. These licensed casinos and online sportsbooks are thus fully legal and safe for players to play at, while at the same time, the open market allows companies to compete and offer different products and platforms as long as they all fit within the requirements set up by the state of Ontario.
This means that Ontarians have a wide choice of licensed sites, whether they’re interested in sports betting, live dealer games, or slots – all with strict consumer-protection rules that keep them safe while exploring the many options. (Source: https://esportsinsider.com/ca/gambling/online-casinos-canada)
There are many benefits to online gaming, especially in a country that’s as sparsely populated as Canada, leaving physical venues often few and far between for those living outside the biggest cities.
Even before Ontario launched its own gambling sites, online gambling had been common among Ontarians. Regulating the market and offering alternatives regulated by the province has often added safer and more controlled options.
Since 85% of Ontarians now play at regulated sites, the initiative of opening up the market seems a clear win in more than one way.
Despite the huge success of the Ontario market, most provinces in Canada haven’t changed much in the iGaming sector in the past few years. Some provinces keep Crown-run monopolies, while others limit activity to a single government-run platform. This often leads Canadians to seek offshore alternatives instead, since the options are so few in their own province.
But 2025 marks an important change. The provinces seem to have noticed that Ontario picked a winning strategy, and Alberta has clearly been taking notes.
While the province of Alberta has previously opted for controlled gambling through one government website, the province is now opening up the commercial online gambling market. The Alberta iGaming Corporation will be in charge of licensing and inspecting actors that operate in the province. This will mean many more options for players, coupled with consumer protection and a high level of safety.
Meanwhile, the Ontario iGaming market continues to prosper, grow, and develop. Now that a second province is following in its footsteps, it seems more likely that other provinces will also start following the trend.
Features
I know exactly why leftists aren’t celebrating this ceasefire

Relief that the fighting may be at an end is one thing. Joy — after all this suffering — is another
This story was originally published in the Forward. Click here to get the Forward’s free email newsletters delivered to your inbox.
“We can’t hear you, Zohran,” read one New York Post headline this week: “Pro-Hamas crowd goes quiet on Trump’s Gaza peace deal.”
“It seems awfully curious that the people who have made Gazans a central political cause do not seem at all relieved that there’s at least a temporary cessation of violence … Why aren’t there widespread celebrations across Western cities and college campuses today?” the article asked.
The Post wasn’t alone in voicing that question. A spokesperson for the Republican Jewish Coalition posted on X that “The silence from the ‘ceasefire now’ crowd is shameful and deafening.” Others went so far as to imply that the protesters had been lying and never actually wanted a ceasefire — because what they really wanted wasn’t freedom and security for Palestinians, but the ability to blame Israel. If pro-Palestinian voices had really wanted a ceasefire, the thinking went, they would be celebrating.
I read these various posts and articles and thought of Rania Abu Anza.
I have thought of her every day since I first read her story in early March 2024. Anza spent a decade trying to have a child through in vitro fertilization. When her twins, a boy and a girl, were five months old, an Israeli strike killed them. It also killed her husband and 11 other members of her family.
A year and a half later, a ceasefire cannot bring her children, her husband, or her 11 family members back. They were killed. They will stay dead. What is there to celebrate?
This does not mean that the ceasefire is not welcome, or that it is not a relief. On the contrary: It is both. Of course it’s a relief that the families of hostages don’t need to live one more day in torment and anguish. Of course it’s a relief that more bombs will not fall on Gaza.
But celebration implies, to me anyway, that this is a positive without caveats. And in this situation, there are so many caveats.
The families of the surviving hostages will still have spent years apart from their loved ones, in no small part because their own government did not treat the hostages’ return as the single highest priority. The families of those hostages who were killed in the war will never again sit down to dinner with their loved ones, who could have been saved. And it is difficult to fathom what’s been taken from the hostages themselves: time spent out exploring the world, or with family and friends, or at home doing nothing much at all but sitting safely in quiet contemplation.
And a ceasefire alone will not heal Israeli society, or return trust to the people in their government. It will not fix some of the deep societal problems this war uncovered. A Chatham House report this August found that: “Israeli television ignores the suffering of Palestinians in Gaza, while the rhetoric is often aggressive. Critical voices, from inside Israel or abroad, are attacked or silenced.” If the country is ever going to find its way back from Oct. 7 and this war, a ceasefire is a necessary precondition, but not a route in and of itself.
In Gaza, Palestinian health authorities have said that about 67,000 people — not distinguishing between combatants and civilians — have been killed by Israel’s campaign in response to Oct. 7. A full third of those killed were under the age of 18. The ceasefire cannot bring those children back to life.
It cannot turn back time and make it such that Israel admitted more than minimal aid to the embattled strip. It will not undo the damage that has been done to the people of Gaza who were denied enough to eat and drink and proper medical care. It will not give children back their parents, or parents back their children. It will not heal the disabled, or make it so that they were never wounded.
It will not change that all of this happened with the backing of the United States government. (This is to say nothing of the West Bank, which has seen a dramatic expansion of Israeli settlements and escalation of settler violence over the course of the war). And as American Jewish groups put out statements cheering the ceasefire, we should also remember that it does not reverse the reality that too many American Jews were cheerleaders for all this death.
Protesters calling for a ceasefire have regularly been denounced as hateful toward Jews or callous toward the plight of Israelis; American Jews who called for one were called somehow un-Jewish. (Yes, some pro-Palestinian protesters also shared hate toward Jews; the much greater majority did not.) The charge of antisemitism — toward those calling for a ceasefire, those calling for a free Palestine, and those who called attention to Israel’s abuses during this war — was used to silence criticism of Israel and of U.S. foreign policy. Some American Jews went so far as to call for the deportation of students protesting the war.
A ceasefire doesn’t change any of that. It can’t.
I have hopes for this ceasefire. At best, it will allow people — Israelis and Palestinians and, yes, diaspora Jews — to chart a new, better course going forward. But it almost certainly will not do that if we delude ourselves into thinking of this as a victory or a kind of tabula rasa, as though the lives lost and hate spewed are all behind us, forgotten, atoned for. The last two years will never not have happened. What happens next depends on all of us fully appreciating that.
This story was originally published on the Forward.