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
I Speak “Jew”
By MARK E. PAULL I grew up in Montreal. Born in 1956. Anglo by birth, sure. But that never quite fit. I don’t speak “Anglo” the way they mean it. My real language is Jew.
And I don’t mean Hebrew or Yiddish. I mean the language of reading the room before you enter it. The code-switching, shame-dodging, laugh-first-so-they-don’t-pounce dialect we pick up early. It’s a language built on side-eyes and timing and ten generations of tension.
I speak French—enough to make myself understood. Enough to charm a dinner table, crack a joke, get someone’s uncle to nod. I’m not fluent, but I’m fast. Doesn’t matter. In Quebec, language isn’t grammar—it’s inheritance. It’s who your grandfather cursed out in a hardware store.
To the Francophones, I’ll never be one of them. My accent betrays me before I say a word. I’m just an Anglo. And not even that, really. Because when the lens tightens, when they look closely, I’m just un Juif. Just a Jew.
And to the Anglos? Same thing. I can wear the suit, speak the Queen’s English, order the wine properly—still a Jew. Even in rooms where I “pass,” I don’t belong. I’m not invited in to be myself. I’m invited in to behave. To be safe. To not say the thing that makes the air stiff.
We’re the only people still called by our religion. No one says “Orthodox” for a Greek. No one says “Vatican” for an Italian. No one calls a Black man “Baptist” before they see his face. But “Jew”? That sticks. That’s the label. Before passport. Before language. Before hello.
I’ve mostly made peace with that. But there’s still this ache—knowing you can live your whole life in a place and never really be from there.
Let me tell you a story.
We had this block party once—the folding-table, paper-plate kind. Kids zipping by on scooters. Music low. Everyone asked to bring something from “your culture.”
The Greek guy brought lemon potatoes and lamb—felt like it came with a side of Byzantine history. The Italians brought two lasagnas—meat and veggie—with basil placed like confetti. The Vietnamese couple brought shrimp rolls that vanished before they hit the table. Even the German guy—built like a fridge—brought bratwurst and a six-pack with gothic lettering.
And then us.
My partner made Moroccan fish. Her grandmother’s recipe. Red with tomatoes, garlic, cumin. Studded with olives and preserved lemon. I brought a bottle of white wine. Dry. Crisp. From the Golan Heights. Not Manischewitz. Not even close.
We laid it out. Someone leaned over: “Moroccan? But I thought you were Jewish.”
We smiled. “We are.”
Then: “So… where’s the brisket? Isn’t Jewish wine supposed to be sweet?”
That’s when it hits you. No matter how long you’ve lived here, how many snowstorms you’ve shoveled through, you’re still explaining yourself. Still translating your presence.
Because they don’t know. They don’t know Jews came from everywhere. That “Jewish” isn’t one dish—it’s a whole map. That we had Jews in Morocco before there was even a France. That some of us grew up on kreplach, some on kefta. That some of our mothers sang in Yiddish, others in Arabic, and some in both—depending on who was knocking.
They don’t know. And worse—they don’t ask.
And that’s the part that gets you. Not the slurs. Not the graffiti. Not even the occasional muttered cliché. It’s the blankness. The shrug. The image they already have of you that’s built out of dreidels and sitcoms.
“Jewish” as nostalgic. As novelty. Something they saw once on a bagel.
Sometimes, when those questions come, I float. One version of me walks out. Another turns into a mouse. One turns into a Frisbee. Just gone. Not mad. Just tired.
Because being a Jew isn’t cute. It’s not nostalgic.
It’s ancient.
Before Montreal.
Before France.
Before Poland. Before Spain.
Before pogroms.
Before ghettos.
Before Hitler.
Before even the word Europe.
We were there.
Go back to the 5th century. 2nd century.
Go back to Jesus—our kid, by the way.
Go further—Babylon. Persia.
Keep going—Temple. Exile. Wandering.
And still, after all that, I’m at a table in Quebec explaining why our fish has cumin in it.
It’s almost funny. If it didn’t wear you down a little.
I’m not looking for pity. This isn’t a complaint.
I’m proud. I know what I carry. I walk into any room with five thousand years behind me. I come from people who kept the lights on through every kind of darkness—and laughed through it, too.
But sometimes, I just wish I didn’t have to explain so much.
All I want is to put down my dish…
…and hear someone say:
“That smells amazing. Tell me the story.”
That’s all.
Mark E. Paull, C.A.C. is a Certified ADHD Coach – IPHM, CMA, IIC&M, CPD Certified
Writer | Lived-Experience Advocate | Type 1 Diabetic since 1967
He has been published in:
The New York Times, The Globe and Mail, Folklife Magazine, Times of Israel, CHADD’s Attention Magazine, The Good Men Project
Features
At 104, Besse Gurevich last original resident of Shaftesbury Park Retirement Residence
By MYRON LOVE At 104, Besse Gurevich is the last of the original residents of Shaftesbury Park Retirement Residence. She may also be the oldest member of our Jewish community.
Although her vision and her hearing have diminished considerably, her mind and memory are still intact. A few weeks back, this writer sat down with her in her suite as she recalled a life filled with highs and lows and her many contributions to her community, both in Winnipeg and Fort William before that.
The daughter of Jack and Rebecca Avit, her life’s journey began in 1921 in a home on Carlton Street near Ellice Avenue, near her father’s furniture store. He later operated a cap factory.
When she was ten, the family – she had two brothers and a sister – moved to Manitoba Avenue in the old North End. “My father had put a deposit down on a house on Scotia,” she recalls. “But my parents didn’t feel that the neighbourhood was Jewish enough.”
Her schooling included Peretz School and, like so many of her generation, St. John’s Tech (as it was known back then.) “I was actually supposed to be going to Isaac Newton for high school,” she says. We were living on the wrong side of the tracks for St. John’s. After one day at Isaac Newton, I found a way to transfer to St. John’s.”
In 1940, 19-year-old Bessie Avit married Jack Gurevich, a young man from Fort William. The wedding was marred though, by the sudden, untimely passing of her father.
Following the wedding, Besse moved with her new husband to Fort William where Jack Gurevich worked in retail clothing sales. “We lived in Fort William for 20 years,” she says. “Our three children (Judy, Richard and Howard) were born there.”
She recalls that there were about 200 Jewish families – including her sister and one of her brothers for some years – in town, during the time she lived there. “We were very well known in the community,” she recalls. “I was involved in everything.”
Her community activism continued after the family’s return to her home town. While Jack went to work as a salesman for Western Glove Works, Besse became an indefatigable community volunteer. At one time or another, she served as vice-president of ORT, Hadassah and National Council of Jewish Women in Winnipeg. She was also a long time B’nai Brith member.
In the business world, the highlight of her career was the building of Linden Woods. “I became involved in real estate development for a time,” she recalls. “I was hired by Genstar to develop Linden Woods. The company estimated that it would take about 20 years to complete. I got it done in two.”
She also taught hair dressing for a while. “I worked with many young Jewish brides,” she says.
Recent years have not been kind to Besse Gurevich. Her beloved husband, Jack, died in 2016 – after almost 65 years of marriage. Older son, Richard, passed away in Vancouver in 2018 and, most recently –six months ago – younger son, Howard, followed. She notes that there were 200 mourners at Howard’s funeral.
(Howard Gurevich was in marketing for many years before turning his talents to the art world. In recent years, he was best known for Gurevich Fine Art in the Exchange District and his support of local artists.)
Besse Gurevich celebrated her 100th birthday – which took place at the height of the Covid shutdown – quietly.
While she used to enjoy reading. she is unable to do so any more. She can still listen to television.
And while she has few family members to visit her any more, she does have a group of friends interesting enough from the local theatre scene. For many years, she was a close friend of the late Doreen Brownstone, one of the leading figures in theatre in Winnipeg for more than half a century. Besse became part of the group that would visit Doreen every week and, since Doreen passed on three years ago, the members of the group have continued to visit Besse on a weekly basis.
Features
Winnipeg author’s first novel gripping tale of romance, action and intrigue, set in 15th century Spain and Morocco
By MYRON LOVE “The Chronos of Andalucia”, a novel just released by first-time author Merom Toledano, is a historical romance set in late 15th century Spain and Morocco, filled with passion, action, intrigue, unexpected twists and turns – and, of course, with the requirement of any medieval story – a quest.
The easy-to-read, 190 page book follows the adventures of Catalina, a young woman living by her wits on the streets of Granada in the year 1487, (just after the Christian armies of Ferdinand and Isabella had recaptured all of Spain from the Moors) – while trying to evade the agents of the Inquisition, who had murdered her Jewish mother and Christian father 10 years earlier. She was left with an insatiable desire to learn about astronomy, along with a mysterious map and an astrolabe (an instrument formerly used to make astronomical measurements) – the importance of which will only be unveiled if she can get to the city of Tangier in Morocco.
Early on, there is a reference to Abraham Zacuto, a prominent Spanish rabbi famed for his knowledge of astronomy and astrology.
The action begins when she has a casual interaction with a former Spanish soldier, Diego. When the forces of the Inquisition approach, she flees with the soldier – who is also her love interest – and who helps her to escape. They turn for help to a childhood friend of Catalina’s – Roberta, a nun, who helps them on their perilous journey to Tangier – a journey that includes being captured by pirates, surviving a shipwreck, being separated for a long period of time and, of course, finding each other again and realizing the success of their joint quest.
In his writing, the author paints vivid word pictures of the different characters and beautifully invokes the colour, sights, sounds and scents of the time and the places.
What I found truly remarkable about the writing of “The Chronos of Andalucia” is that English is not Merom Toledano’s first language. The Israeli-born author – he grew up near Haifa – came to Winnipeg with his young family just eight years ago.
“I have had this book in mind for several years now,” says the satellite engineer whose working career takes him to many different parts of the world.
He notes that he has always felt a connection to Spain, Spanish music and literature – a reflection of his family’s modern origins in that country. His great-grandparents, he relates, lived in Toledo – hence the family name, Toledano. His parents lived in Meknes in Morocco while his father attended university in Tangier before making aliyah.
Toledano just published “The Chronos of Andalucia” in April on Amazon. He reports that the book – which is available here at McNally Robinson – has been selling well –close to 100 copies – with orders coming from a bookstore chain in England, a bookstore in Denmark, and one in Italy.
“I have had between 30 and 40 positive reviews so far,” he reports.
Toledano adds that he envisages “The Chronos of Andalucia” to be the first in a series – a la the writer Danielle Steele. He is already working on a sequel – which is hinted at the end of “The Chronos” and, he reports, he is establishing his own independent publishing operation.