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Part 8 of the story of the Winnipeg con man: He promises to help an old childhood friend set up a Real Estate Investment Trust

By BERNIE BELLAN This is the eighth part of a story about a delusional Winnipegger who believes he is someone of great wealth and has spent the better part of 30 years contacting people all over the world telling them that he wants to invest in their businesses or projects. The first seven parts of this story are all available to read under the FEATURES category on this website.

Here is part 8 of my story:

To this point, while I’ve given accounts of different individuals who may have spent a great deal of time working on projects that Devlin had promised he would back financially and, while I don’t want to diminish the value of the time they all lost involving themselves in what turned out to be Devlin’s total delusion, none of them could say that they actually lost money as a result of having become involved with Devlin.

Sure, Rick spent what he says were hundreds of hours planning the expansion of his publication – based on Devlin having told him he would back him, and Dan Winthrop spent what he says were years trying to bring his aviation idea to fruition. In neither case though can they say that they put up real money to advance their ideas. Bob Anderson says he was only paid $1,000 for all the work he ended up doing for Devlin, but he admits that he has only himself to blame for having spent so much time without being compensated.

Avi did end up spending time on the phone with Devlin but again, he can’t make much of a case that it cost him financially.

Such was not the case with Jonathan Soloway. In fact, Jonathan was one of the last people to whom I spoke directly who had been a victim of Fred Devlin and that was only after Rick had cajoled him into believing that I was honestly interested in helping him – by exposing Devlin as a total fraud. I’ve already noted that Jonathan’s particular case was so well documented by him having kept copies of every email and every document that Devlin had ever sent him that I told Jonathan I thought he had a really solid case in a civil action if he were to file one – not only against Devlin, but Devlin’s wife and Devlin s parents as well.

He told me that he couldn’t possibly afford a lawyer to represent him, so I said to him that I might be able to help him with that. I told him that I knew a number of very good lawyers in Winnipeg who are experienced civil litigators and that, if he wanted, I would reach out to one or more of them to see whether they might be interested in representing Jonathan in a lawsuit against Fred.

I emailed one lawyer whom I regard quite highly and gave him a brief summary of the case that I thought Jonathan could have against Fred. That lawyer responded the same day, saying that he was currently on vacation, but that he would get back to me when he returned to work.

It was a while before I heard from that lawyer so, in the meantime I thought I would contact some other lawyers whom I thought would also be well suited to handle a lawsuit for Jonathan against Fred. One lawyer with whom I had a very amiable conversation said he couldn’t possibly take on the case because he knew the Devlin family too well. Another lawyer said he was in the process of retiring from practice and regardless, cases of this sort are so complex that it was far outside of his field of practice.

Eventually though, I heard back from the first lawyer I had contacted. He said that he had turned the matter over to the head of civil litigation in his firm and that I could expect to hear from him.

Normally, a lawyer would not discuss a matter of this sort with anyone except his or her client, but there was an extenuating circumstance in this case: I had agreed to put up a retainer for the firm if they agreed there was a solid case to be had against Fred Devlin.

When I was first writing this part of the story I didn’t know what the status of Jonathan Soloway’s putative lawsuit was. I had heard back a few times from the lawyer I had first contacted to ask whether his firm might be interested in mounting a lawsuit on behalf of Jonathan, but each time the answer was that he would have to put it to the firm as a whole to decide whether it would be worthwhile to take on the case. I had explained to the lawyer I had contacted that, if the firm thought it was a bona fide case, I was prepared to put up the retainer that is normal for a law firm to require before proceeding with a case of this sort. My thinking was that, if the firm did file a law suit and it proved successful, then I would get a percentage of the resulting award.

Jonathan had sent a detailed package of documents to the lawyer I had contacted which gave an itemized accounting of how he had been defrauded by Fred Devlin.

Here is what he had sent, on February 28, 2026:

Please find attached a PDF detailing the full employment timeline and the hours I invested in my executive role in connection with ….and the …. Group matter.

This document sets out:

A chronological summary of my work contributions

The estimated total hours invested at a senior executive level

REIT structuring, financial modelling, compensation framework development, and strategic planning

Representations made to me regarding compensation and ownership interests

Written communications and text messages wherein Mr. … represented that …. Group would assume responsibility for my outstanding debts and that I was to refrain from paying them personally

Statements made to me indicating that an executive in my position could not be in bankruptcy

In addition to the attached summary PDF, I am in possession of:

Signed agreements relating to compensation and ownership

Supporting PDF documentation

Screenshots of text message exchanges

Compensation modelling documentation

Materials reflecting equity and ownership representations

Please advise how you would prefer the full evidentiary package organized and delivered for review. I am prepared to provide a consolidated, indexed digital binder or hard-copy materials as required.=

I look forward to your guidance regarding next steps.  

Jonathan did hear back from the head of the law firm around the middle of March (and I was cc’d on that email). In it he was told that the matter was now in the hands of the head of litigation for the firm.

On April 1, 2026, Jonathan received the following email from the head of litigation:

It was a pleasure speaking with you today regarding your matter.

As a preliminary matter, I addressed the suggestion that this matter might form the basis of a broader claim involving multiple affected individuals. Based on the information currently available, there is no evidentiary foundation to support such an approach. Your circumstances appear to be more consistent with an individual claim arising from alleged breach of contract and misrepresentation. A broader proceeding would require evidence from multiple individuals demonstrating a pattern of conduct involving financial loss, which is not presently before me.

As for your case, I have conducted a preliminary review of the documents you provided. Below is my understanding of the facts and our discussion. Please let me know if I have misunderstood or omitted anything:

Sometime around August 2024, you entered into discussions with Mr. … and what you describe as the “…Group of Companies Worldwide Holdings Group.” Based on representations made to you, you travelled to Winnipeg for meetings, participated in discussions regarding the development of a REIT, and entered into an employment agreement.

Under the employment agreement (Note: the full employment agreement can be found beginning on page 68.) you were to receive compensation of $250,000 annually commencing June 1, 2025, as well as additional compensation on termination. You also advised that the agreement contemplated you holding a 49.5% interest in a proposed company.

You then engaged in executive-level planning and related work in reliance on those representations. You estimate that you spent approximately 1,850 hours performing work in preparation for the establishment of the REIT. 

You now believe that those representations were false. You have not received any compensation for your work, including salary or other payments.

As discussed, the role of counsel at this stage is twofold. First, to determine whether you have a viable legal claim, including identifying the appropriate causes of action. Second, to assess the nature and quantum of damages that may be recoverable. To complete that assessment, it will be necessary to review the employment agreement and all supporting documentation, including evidence of the representations made to you, your reliance on those representations, and the losses you have sustained. Depending on the terms of the agreement and available evidence, your claim may proceed either in contract or tort (e.g. negligent misrepresentation, detrimental reliance, quantum meruit, and other causes of action). I suspect you do have one or more actionable causes of action. Damages are less clear. Enforcement even more tenuous.

Based on the information currently available, there is some uncertainty as to whether Mr. … has sufficient assets to satisfy any judgment. You indicated that there may be a possibility of recovery through discussions with his family in the event of a successful claim. However, that outcome is uncertain and should be considered when evaluating the cost-benefit of litigation.

As a next step, I recommend that you retain our firm to conduct this initial analysis and assessment. Subject to clearing conflicts, this would require execution of our engagement documentation and payment of an initial retainer of $5,000. You indicated that Bernie, associated with the Jewish Post and News, may be prepared to fund your legal fees and asked that I contact him to confirm. I will do so. For clarity, you have authorized me to discuss your matter and our conversation with Bernie. I have copied Bernie on this report.

If you would like to discuss any aspect of this further, I remain available.

(I should note that the reference to my association with The Jewish Post and News was wrong. The Jewish Post & News no longer exists but hey, lawyers can make mistakes.)

Jonathan didn’t send me all the documents he had sent to the lawyer whom I had first contacted, but he did send me the 
“Master Employment Agreement,” which Devlin signed, and which spells out in great detail everything that Fred Devlin was promising to Jonathan Soloway.

In terms of chronology, Jonathan’s experience with Devlin was quite recent – going back only a little more than a year. When I talked to Jonathan I began by reviewing what I had already learned about Devlin. I wanted Jonathan to be aware that I knew quite a bit about Devlin, but I was quite interested in speaking to someone who had actually lost money as a result of Devlin having ensnared him in his delusion, not just someone who had only spent time working on a plan that was delusional.

I said to Jonathan that Devlin has left “no prints’ on the internet. A search for his name or the Xanadu Group of Companies would turn up nothing because, as I explained to Jonathan, what I had found out was that nothing Devlin had boasted as having done or as owning when he spoke with so many other individuals was “real.”

Since writing this, however, I’ve now become aware that someone was able to retrieve the original article I had written about the person I’ve been calling Fred Devlin and has reposted that article under a different website. The person who reposted that article used something called the “Wayback Machine.” Don’t ask me what that is. All that I know is an article I had first posted on February 22, 2026, then removed two days later, is back on the internet.

To return to my conversation with Jonathan Soloway – I went on: “It didn’t take me too long to realize this guy is nuts, and that’s why I left it alone after I talked to his mother” – until I received that January 16 email.

“But,” I continued, “now that I realize that he’s a very dangerous nut, it’s a different story. “What I’d like to know is whether his parents have been involved with this? Because it’s one thing if his mother or if both his parents are paying for Fred and his wife’s car or house, whatever it is, but do they realize that, according to what I’ve been told by more than one person, their son likes to go to the Fairmont Hotel for breakfast – carrying a briefcase, and that he sort of holds court there – pretending to be a very important businessman?”

Jonathan concurred: “He walks in there like a big ‘macher’ (a Yiddish expression for someone important), like everybody knows him there. He sits down for breakfast there. But the thing I really, I find so incredible is, his wife, she has to be completely complicit here because what else does he do during the day?”

I said that’s something I’d like to find out too, adding that I had been told his wife has been present at many of Fred’s so-called “business meetings.” What has her role been in enabling Fred to carry on with his delusional behaviour, I wondered?

Jonathan said: “He thinks he’s… some sort of like, how do I say? He thinks he’s some sort of divine intervention from God that he will help you. That’s how he comes across. And he’s put on this planet to help people.

“…so if you’re someone who is destitute and you’ve got problems, then you’re someone he loves to help.

“And how he finds these people in itself is a question. I guess, being on social media and seeing who are friends of friends and maybe tapping into them.”

I said to Jonathan “I’m not going to try and find every last person that Fred Devlin has contacted because the stories are all of a pattern. He finds someone – I guess mostly through social media, finds out something about them, tells them he’d like to help them – and pretty soon he has them believing he’s some fabulously rich businessman who will help them financially.”

Jonathan then asked me about my own background: “So are you the Western Jewish News?” (That was another Jewish newspaper that my late brother and I, along with another partner, bought in 1987 – mostly to get rid of it to eliminate the competition for the paper we owned, which was The Jewish Post.)

“No,” I explained to Jonathan,”I used to be the owner of the Jewish Post & News – which used to be called the Jewish Post.”

I added that my brother, who had been the editor of the paper, died suddenly in 2009, and I took over as editor and publisher until I gave the paper away in 2024 to a non-profit Jewish service organization called the Gwen Secter Centre. I told Jonathan that I still work with the print newspaper somewhat, but I focus my attention more on my website, which is called jewishpostandnews.ca.

Jonathan said that he hadn’t paid much attention to Winnipeg’s Jewish community since he left Winnipeg in the 1990s, but he knew that his mother was a subscriber to the Jewish newspaper. I told him that I knew her name.

I also told Jonathan that I had done investigative journalism in my time, but I had never come across as crazy a story as the Fred Devlin story. I said that I knew Fred suffers from a delusional psychosis and that I wanted to do whatever I could to stop him from harming more people. That’s why, I said to Jonathan, I wanted to learn a lot more about what had happened between Fred and him because, after talking to Rick, I thought that Jonathan had the most convincing case that could lead to a successful lawsuit against Fred and his family.

Jonathan said “the one thing they’ve got to do with Fred is take away his phone – or just take him away, period. I think they got to put him in a straitjacket.”

I said, “that doesn’t happen – unfortunately, but I’m going to try and keep other people from being victimized by him.” And that’s why I wanted to help Jonathan find a lawyer who would file a lawsuit for Jonathan.

“If you can sue Fred then I can report on any of the allegations the lawyer would include in your lawsuit,” I said to him. And my simply reporting those allegations would prevent another lawyer from suing me for defamation, I added – something that I had been threatened with when I first posted something to my website about Fred – and his family.

That’s why I wanted to learn as many of the details of what had gone down between Jonathan and Fred, I explained.

I added: “And if it causes his parents great embarrassment, so be it. They should have put a stop to this years ago. And they didn’t.”

Jonathan said: “I think at the beginning, if I understand it correctly, he (Fred) did very well in business financially. But then, he lost a lot of money… it was some investor he had.

“And then, I think that’s when his parents stepped in and started to help him. All I know is he was involved with (name of business omitted). That’s all I know.”

I wanted to turn the conversation to finding out what exactly was the nature of the business deal Jonathan and Fred were supposed to have had. I had been told by Rick that it had something to do with real estate, so I asked Jonathan if his background was in real estate?

I don’t want to describe in specific terms what Jonathan’s business background was because anyone reading this who might have known him would know exactly who it is who I’m writing about and, just as I had promised everyone else whom I interviewed, I wanted to give them anonymity.

Suffice to say that Jonathan had held an extremely important position within the construction industry in Toronto for over 25 years. “At one point in my life, I was travelling about 200,000 miles a year,” he noted.

He continued, “So I travelled all over the world for almost 11 years. And I was invited by the federal government to be part of the Team Canada trade mission to China and Hong Kong.

“I left my job after 25 years. And I didn’t really know what to do. So I became a consultant. I was … group consultants for a while. And I did a couple of jobs here and there. And it was never really paying the bills properly, whatever it was.

“And I decided then to go get my real estate license because real estate here was extremely huge. It was a crazy real estate market we had here for about 18 years. And by the time I got my real estate license, that’s when everything turned.

“I went into real estate at the very worst time. I mean, the past two years, I’ve hardly made any money. I’ve been extremely struggling for that matter.

“And that’s where I stand today.”

But when did his involvement with Fred Devlin start, I wondered?

Jonathan explained: We went to school together as kids, like five, six, whatever it is. I mean, I knew him… I mean – Jewish geography when Winnipeg was small. Everybody knew everybody. I mean, I grew up with the YMHA… where almost all Jewish kids went… I knew his parents, too. I mean, I spent some time at their house. I was a childhood friend of his, but… I kind of fell out of his life for about 40 years. He reached out to me one day on Facebook out of nowhere, and we rekindled the friendship that we had missed for well over 35 years.”

I asked Jonathan: “Do you remember when that was, how long ago it was?”

He answered: I don’t remember exactly, but I’m going to say it was sometime around a year ago. I’m trying to think here…It would have been like February of last year – but wait, I might be wrong. It might have been the year before.”

I said: “But, whenever it was, it’s been quite recently.”

Jonathan: “Right. I was in Winnipeg in September of 2024. So I came back to Winnipeg to see Fred and I stayed with my mother. I was there for three days. That was the first meeting I had with Fred it, was September of 2024. So I would have met him on Facebook several months before that, in 2024.”

I said: “Okay, so just tell me what happened then.’

Before he launched into his story of what happened between him and Fred, Jonathan said he had to tell something about himself. Again – to keep his identity hidden I won’t divulge the detail of what happened, but suffice to say, he lost quite a bit of money in a failed investment. Some things happened in his personal life – aside from losing quite a bit of money in an investment, but I won’t describe that either.

In short, Jonathan’s life was falling apart. He “didn’t have a car,” he was living at his brother’s and, as he had noted earlier, the real estate business in Toronto had gone bad.

And then Fred showed up in his life. ‘When I met Fred, you know, he was like ‘the saviour. Like he’s done with everybody, he told me, he was going to help me.

“And he knew I came from the construction industry, and he wanted to set up a real estate REIT (Real Estate Investment Trust) with all his properties that he had in Winnipeg, in Cleveland, and in Toronto, and I thought that this was a great idea. He told me all about Xanadu, and about his airplanes…, that he owns Air Canada, that he owns the World Bank, that he owns, like, all this pie-in-the-sky stuff, whatever it was. It was just crazy.

“And… I believed him, mostly because he was a childhood friend of mine and I knew him. I had no reason for him to be telling me a lie, I guess is what I’m trying to say.

“Now, it didn’t cost me any money to hear his other stories, and even though I knew the other stories weren’t true, the way he put together this idea for a REIT – well, he knew all the ins and outs and he was very convincing… and we talked about putting this together, and blah, blah, blah…

“But, first and foremost, one of the things that was very strange is that every time things were going to get together, it just never got together. Like, Fred always had some sort of something, saying: ‘Jonathan, I can’t do that this week, because I’m going to Israel tomorrow, or I can’t, you know – or I’ve got to go to the hospital, or whatever that might be, he had an excuse for everything. It doesn’t matter,

“There was always a reason that it wasn’t going to happen. So fast forward to 2025 – we made a plan that I would come into town (Winnipeg) in May of 2025, and that by the time I left, that we would have a contract put in place, because the intention was, he said for sure that we’re going to put this together, and we’ll have this together on the first of September…Originally,” he said, “he wanted to try to raise capital for all this, with all the people that he knew.

“And then he decided at the very last minute, that he’ll use his own properties, which was what I always thought was going to happen, because when you’re setting up a REIT, you need these properties, but these properties, he already had. There was no reason to go search for other investors to begin with. Long and short story is, one of the first real problems I had with Fred was, we finally did a contract, and I had a legal contract written up, and it was signed on the 31st of May,” but Fred never fulfilled any of the terms of the contract.

“When I was in Winnipeg, he had mentioned to me, like, Jonathan, you know, look, there’s no reason for you to try to get a part-time job right through the summer, whatever it is, you know, I’ll make sure that you’re looked after financially, and I’ll get you paid, and whatever… And, you know, he promised me all these things, but when I got home, sure enough, he wasn’t paying me. He wasn’t going to pay me anything, and he said that he thought I had money in my bank account, but I didn’t have enough.

“He made all these excuses, saying ‘I can’t pay you right now.’ Then, every discussion I had with Fred was really very thorough. The discussions would last, like, an hour on the phone.

“You know, he was, how do I say… what’s the word I’m trying to say, I guess, if I could say it the best way, he was very grandiose…In many ways he always had an incredible story to tell you – and one that sounded really real. But, around the end of September, around Rosh Hashanah, Fred tells me that he hurt his head, and he’s got to go to the hospital, and while he’s in the hospital, he tells me that what he’s going to do is ‘If I can survive until the 3rd of January of 2026, then everything’s going to be refunded, you’re going to have all this money, because you’re an owner in this company, and blah, blah, blah.

“And I said, ‘Well, Fred, I have all this debt. I’ve got to service this debt. I don’t have a way to wait until January, otherwise I’ve got to get a job or do whatever it is. So, from the hospital, I get an email from him, I mean, a text from him, that he’s going to have Xanadu Group take over my debt, and that I’m never going to have to worry about my debt anymore. And he sent me several text messages about this, saying give me all your debt right now, and let me see what I can do. He was going to take this one thing off my back, and the company was going to look after it, and that would be that.

“And that was the best thing I’d ever heard. And fast forward until the end of October, like two months later, now I’m told that the company told him he can’t pay off my debt, but he’ll help me negotiate some sort of deal with my vendors, he’ll get on the phone with them if I have to as well, for me as well, too. So, we made a couple of calls to one or two of my creditors, he was on the phone and talked like he was like some sort of lawyer or whatever it is, but then I realized right then and there that, you know, all these kind of promises that Fred had promised to save me and to look after me, it just never worked.

“It was just a lie, the whole thing – all the promises, the contracts – they were all crap.. And I’ll say something about Rick now. Several months before I got so deeply involved with Fred, Rick reached out to me on Facebook.

“I didn’t know who he was and he just said to me, ‘I see you’re a mutual friend of Fred Devlin’s and Fred’s going to be doing some work with me as well too in California, and I have this magazine and so on.

“I never paid much attention to what Rick wrote. I just said, ‘Well that’s nice, that’s great, ‘and I even said to Fred, ‘I met a friend of yours, Rick, and I didn’t know anything about this. Fred didn’t say anything. All he said was ‘Yeah, I’m going to be doing some stuff with him,’ but what I didn’t know is that how Fred got extremely angry at Rick, that he had told told me he was going to do something with Fred.

“I didn’t realize until afterward that Fred didn’t like that I was talking to someone else he was supposedly doing a deal with.’ “(Now I understood better why Bob Anderson kept sending nondisclosure agreements to different individuals. It makes one wonder though, even though Fred was clearly delusional, somewhere in the back of his twisted mind he knew what he was doing was all one great big con. Does he wander in and out of reality, I wonder – and starts to remember the crazy things he’s told different people? Who knows?

I never had the opportunity to speak to any of the psychiatrists who must have treated him over the years. My hope is that someday, someone close to Fred is going to tell the truth about his psychosis – and why those close to him allowed him to carry on his delusional behaviour for so many years. Even as I write this, I keep receiving messages from different individuals saying Fred just contacted them recently – and threatened them if they didn’t continue to fulfill their arrangements.)

Jonathan continued: “When this all happened I got a call from Rick around the exact same time where the lid was being pulled off on all this, and that’s when I really realized that I’d gone down this rabbit hole, I’d taken three flights I’d taken to Winnipeg, and I think back at some of the things that we went through, like you know – Fred wanted to come to Toronto, but he stayed with me – at my brother’s house with me. I thought if you’re a billionaire, what the hell would you want to stay in my house when you could stay in an expensive hotel – like everything just never added up, that he never had any money.”

Jonathan went on to say that he’s a big history buff and when Fred learned that about him, he told him that he wanted Jonathan to write a story about the history of the Middle East. (Devlin’s thought processes were so confusing for me to try and follow. Each time I looked back over the transcript of a conversation I had with someone who had some sort of connection to Fred Devlin I would see crazy twists in what Devlin would talk about. Devlin’s focus would easily turn to something else totally unrelated to where a conversation first started between him and a prospective business partner.)

I asked Jonathan whether Devlin had ever mentioned someone by the name of David Simkin? You may recall that when I, myself, first met Paul Devlin, he handed me a business card for his supposed group of companies with the name David Simkin given as the CEO on the card. I still haven’t been able to establish whether there was an actual individual by the name of David Simkin – although I suppose it’s a fairly common Jewish name but, as I mentioned at the outset of this story, if there ever was anyone named David Simkin who had some sort of connection to Fred Devlin, I’ve never been able to get in touch with him.

Jonathan said that Devlin had mentioned the name “David Simkin” to him many times, adding that he, too, had been told Simkin lived in Luxembourg, where he was CEO of the Xanadu Group of Companies. Devlin told Jonathan that Simkin had come back to Winnipeg and Devlin was trying to find a place “for him to live in.” (Strange, isn’t it? Devlin has to stay with Jonathan in Jonathan brother’s house when he comes to Toronto and the CEO of a worldwide group of companies headquartered in Luxembourg has come back to Winnipeg – and he doesn’t have a place where to live.)

I told Jonathan that David Simkin was all part of Devlin’s incredibly detailed delusion. I noted that, while his entire story was crazy, at least he was consistent in describing to different people how his group of companies was so vast, that it was headquartered in Luxembourg, and that its CEO was someone by the name of David Simkin. Where he deviated from his basic story, Rick told me, was in relating to people how many companies were in the Xanadu group of companies and how much wealth Devlin had. According to Rick, the number of companies Devlin told him were part of the Xanadu group was over 3,300 – not 300, and Devlin wasn’t just a billionaire, he was a trillionaire!

Now, while you may be giving your head a shake at the absurdity of all this, there were many times when Devlin would keep his none-stretchers in check. I only talked to a few of the individuals who were conned by him – and those were all individuals who were willing to admit they had been so badly deceived by Devlin. But there were many others, I was told, who had taken meetings with Devlin – and the names I was given were of very respected businesspeople, who didn’t dismiss Devlin as some sort of nutcase.

That tells me that, despite his psychosis, he had some awareness that he had to tailor whatever story he was telling someone to that particular individual. The fact that he did obtain an MBA and did have a successful business career – at least, according to that story in the Manitoba business magazine and the subsequent mention of him in another business publication would certainly lead one to understand that, even in his fantasy that he was a brilliantly successful businessman, some vestiges of his past business experience would allow him to mount a very sophisticated facade when the occasion required it.

That goes to explain the level of complexity of the deal that Jonathan agreed to enter into with Fred.

I asked Jonathan how it was that Fred contacted him? Jonathan had said that he hadn’t had any contact with Fred since grade school – which was over 40 years previous. I wondered whether Fred had found him on Facebook, for instance?

“Did he find you on Facebook?” I asked. “Was that it?”

Jonathan answered: “I believe so. I don’t remember exactly. I’m not a big social media person, so he probably did find me on Facebook.”

I explained why I had asked that question: “Well, the reason I ask is I’m so curious about how he networks with people. He seems really adept at getting in touch with people who have some substance to them, and he sort of relies on name-dropping to cement his reputation.”

I noted that “one of the people I spoke to had actually gone to the trouble of setting up a meeting between Fred and (Israeli Prime Minister) Netanyahu.”

I asked Jonathan whether he had hear that story himself?

“Yeah, yeah, yeah,” Jonathan responded. “When I heard that, I said, ‘that’s incredible.’ “

I said to Jonathan: “But, of course, it was all delusion.” I went on to say that Avi (who was the fellow who had arranged that meeting acknowledged that it was “a good thing Fred. didn’t show up.” Otherwise, Avi would have been deeply embarrassed at Bart having met with Netanyahu.

But then Jonathan added a new story that, to that point, I hadn’t heard: “The other thing is, so Fred, apparently out of his own money, was working with a guy named Ari Deron, who was the former head of the Mossad in Israel.”

I said: “What? The former head of the what? The Mossad?”

Jonathan said: “Fred said he was the former head of cyber security for the Mossad.”

(I did a Google search to see whether there was ever anyone prominent in the Mossad by the name of Ari Doron. Here’s what I came up with : “Based on available records, there is no evidence of a high-profile former Mossad member named Ari Doron. The name appears to be primarily associated with a fictional character, Lt. Ari Doron, in the 2001 novel Martyrs’ Crossing by Amy Wilentz, who is an Israeli soldier, not a Mossad operative.”

I explained to Jonathan that I had spoken to someone by the name of Avi – who was the person who was going to set up the meeting between Fred and Netanyahu, but Avi never mentioned anything about a Mossad connection. It did occur to me, after hearing what Jonathan mentioned about the Mossad that, during one of my phone conversations with Rick, he had told me that Fred had told him that he was always accompanied by 20 bodyguards from the Mossad. Maybe I should have included that earlier in this story.

I asked Jonathan whether, when all was said and done, the REIT plan that Fred had contracted with Jonathan to establish, had cost Jonathan a lot of money?

His answer was: “No, I didn’t lose a lot of money with Fred. I lost a lot of time with Fred.”

I said: “You lost a lot of time. That’s the story with everyone. People wasted their time.”

Jonathan continued: “Immense amounts of time. Immense amounts of time. I mean, the quantified dollars, I mean, three flights to Winnipeg.

“As I said, I stayed with my mother. You know, a couple of drinks that we went out to that I paid, you know, that he didn’t. I didn’t lose hundreds of thousands of dollars with him, but I lost an immense amount of time here.

“And the contract that he wrote with me, he was going to pay me $250,000 a year. And if he didn’t exercise the contract in a certain amount of time over the two years, he’d have to pay me $1.5 million. Yeah.

“And this is what we wrote in the contract. And again, like I’ve had some employment lawyers here who told me that the contract’s pretty solid, but it means shit if he has no money.”

“What I do believe, and again, this is just my thought here is that his parents, his mother in particular, are aiding and abetting him here. She did agree that they paid for his house and she said, it’s a lower class house in Winnipeg.

“And one thing I’ve never understood is, Fred’s wife – where is she in this equation? People say that she’s complicit in what Fred has been doing…and I would have to think she is. The one thing I knew about Fred is he is completely inept when it comes to technology.

“Like, he didn’t know how to print anything, how to write anything, how to sign anything. Like it was just – very strange. I used to say ‘Fred, why don’t you even have an assistant that would do all these things? Like, when I had to sign the contract, I have to send it to his wife as a PDF document have her print it off, have him sign it and have her scan it back to me because he didn’t know how to do any of those things… the simplest things, but he didn’t know any of that.

“Yeah. It was very, very strange. He didn’t know anything to do with technology whatsoever.

“What really fascinates me about it all is what you said about his being totally delusional. When I think of Fred I think that he is living some sort of a life that he doesn’t even know he’s living in.”

But, as both Jonathan and I learned – to out chagrin, after having heard from the head of litigation of the law firm that had looked at Jonathan’s case, there was no point in suing someone who had no apparent assets – no matter how much it was evident that he was being supported by his parents – who have substantial assets.

As for the criminal investigation to which I referred in an earlier chapter, Jonathan hasn’t heard back from any police authority – neither the Winnipeg Police Service, nor the RCMP, so the only conclusion that can be drawn is that there is no interest on the part of any police service in pursuing a fraud investigation of Fred Devlin.

At a certain point, however, I was no longer simply writing about events – I was now an active participant in trying to bring some sort of justice for everyone who had been a victim of Fred Devlin’s delusions. I suppose some might consider the degree to which I’ve involved myself in a story that began with an email somewhat surprising, but it was when I began communicating with the person whose story will be told next that I was moved to go beyond simply writing about what Fred Devlin had done. I actually sent a fair bit of money to help one victim of Devlin’s elaborate con who, I was quite afraid, was on the verge of committing suicide.

Coming next: Charlie’s story and Fred’s promise to help fund a charitable foundation in Africa

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Building Credit in College for Future Real Estate Deals

Most college students aren’t thinking about mortgages. But the students who buy their first investment property at 25 or 27 started building credit at 19 or 20. The two are directly connected.

Real estate is a game of capital access. Lenders don’t care how motivated you are – they care what your FICO score says. A 760+ score gets you prime mortgage rates. A 620 gets you higher interest and fewer options. The difference in monthly payments over a 30-year mortgage can be tens of thousands of dollars.

The window you have in college to build credit without major financial pressure is one of the most underused advantages Jewish students have.

Credit Foundations: Where To Start

Your credit score is built from five factors. Payment history makes up 35% – the largest single component. Credit utilization (how much of your available credit you’re using) accounts for 30%. Length of credit history, credit mix, and new inquiries cover the rest.

For most students, the first practical step is a secured credit card or a student credit card. Secured cards require a deposit that becomes your credit limit – typically $200-$500. They report to all three major bureaus and build history the same way unsecured cards do.

The rules are simple but require consistency. Pay the full balance every month. Keep utilization below 30% of your limit. Don’t apply for multiple cards in a short period. These habits compound over years – a student who starts at 18 has 7 years of credit history by the time they’re ready for a first mortgage.

One underused option: ask a parent or family member to add you as an authorized user on an older card with a clean payment history. You don’t need to use the card. The account’s age and payment history get added to your credit file immediately.

Researching Investment Options During Studies

Business, economics, and finance students regularly analyze real estate markets as part of their dissertation. That work isn’t just academic – it’s actual market research that doubles as preparation for real investing decisions.

However, balancing dataheavy analysis, market research, and exams often leads to extreme burnout. To survive the final semester, many students look for external support. Some of them use EduBirdie – best dissertation writing services for timely delivery and consistent quality on deliverables when the research load is heavy. Outsourcing the formatting and drafting frees up time to dig deeper into the actual market data that matters for real investment decisions. The analysis you build during college becomes your knowledge base before you ever make an offer.

Smart students treat every finance and real estate assignment as a portfolio of personal research. That perspective shifts the work from obligation to investment preparation.

How Student Loans Affect Your Future Mortgage

This is where many graduates get surprised. Student loan debt directly affects your debt-to-income ratio (DTI) – a key metric lenders use in mortgage approval. Most conventional lenders want your total monthly debt payments to stay below 43% of gross monthly income.

If you graduate with $40,000 in student loans at a standard repayment, your monthly payment is roughly $400. That $400 counts against your DTI before you add a car payment or rent. Managing your loan balance and making consistent payments not only builds credit – it keeps your DTI workable when you’re ready to buy.

Income-driven repayment plans can lower monthly payments but extend the loan period. For mortgage purposes, lenders typically use the actual monthly payment shown on your credit report when calculating DTI.

Practical Steps For Building Credit In College

Keep Utilization Low

Staying under 30% of your credit limit matters more than most students realize. If your card limit is $500, that means keeping your balance below $150 before the billing date. Paying in full each month handles this automatically.

Monitor Your Score Regularly

Free monitoring is available through Credit Karma, Experian, and most major banks. Checking your score doesn’t hurt it. Set up alerts for new inquiries, changes in balance, or any accounts you don’t recognize. Catching errors early prevents damage that takes months to fix.

Build Your Credit Mix Over Time

Lenders like to see that you can handle different types of credit. A student card, a small personal loan, and eventually a car loan create a credit mix in college that strengthens your profile. Don’t open accounts you don’t need, but don’t avoid credit out of fear either.

Here’s a practical credit-building checklist for college students:

  • Open one student or secured credit card and use it monthly
  • Pay the full balance before the due date every month
  • Keep utilization below 30% at all times
  • Become an authorized user on a parent’s old card if possible
  • Check your credit report annually at AnnualCreditReport.com
  • Make all student loan payments on time once they enter repayment
  • Don’t close old accounts – account age matters

Understand What Mortgage Pre-Approval Requires

When you eventually apply for a mortgage, lenders will look at your FICO score, DTI, employment history, down payment, and reserves. The credit score threshold for a conventional loan is 620, but most competitive rates start at 740 and above. FHA loans allow scores down to 580 with a 3.5% down payment.

Starting to build credit at 18 or 19 means arriving at your first mortgage application with 6-8 years of credit history. That length alone adds 15% of your score. Combined with responsible utilization and clean payment history, you can realistically hit 740+ before you graduate.

The Long Game

Real estate investing after college isn’t a fantasy – it’s a planning problem. The students who pulled it off didn’t get lucky. They started building credit years before they needed it, kept their DTI manageable, and used their time in school to understand the markets they wanted to invest in.

The credit habits you build now are the credentials lenders will evaluate later. Start with one card, pay it in full, and let the history accumulate. Five years from now, that consistency becomes a mortgage approval and the keys to your first property.

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How Pioneer Families Kept Hebrew Alive on the Early Canadian Prairies

Canadian Prairies of the West and Jewish Pioneer Families

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

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

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

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

Early Farming Towns

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

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

Classrooms out of Logs and Mud

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

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

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

Real Numbers of the Prairie Frontier

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

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

The Tools of Prairie Learning

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

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

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

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

Conclusion

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

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

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Why Modern Torah Scribes Still Mix Ink by Hand

It’s 2026 and Torah Scribes Still Mix Ink by Hand

Did you know that Jewish ritual scribes don’t actually use any of the modern printing tools? They still mix a 2,000-year-old ink recipe by hand and here is how.

Our lives are run by smartphones and computers. Everything can be typed or copied in a matter of minutes or even seconds. Yet, there is still a certain profession that rejects all these modern conveniences. They also reject the obsession with speed we have, exactly because of all these tools. These professionals are Sofrim. They are ritual scribes in Jewish communities. They are responsible for hand-writing Torah scrolls, holy books, and small mezuzah scrolls for doorways.

The contrast between their craft and the constant typing we are used to is striking. Just think of it. If a student or even a professional is pressed for time, they just go online and look for a writing service to help them out. A digital platform like PaperWriter can write and format an entire paper in just a few hours. But this same speed is the enemy of a holy Torah scribe. To write a sacred scroll, they must be deeply concentrated and slow about their process. Rush can’t be part of it. In fact, this special care begins before the pen touches the page. First, they gather the ingredients and mix the writing ink.

The Strict Rules of Sacred Ink

Why can’t a scribe just buy a bottle of high-quality black ink at a local art supply store? It all comes down to traditional Jewish law, which is called Halakha. A Torah scroll is a highly holy object with very strict manufacturing standards. A single scroll contains exactly 304,805 letters and takes a full year of daily manual labor to finish. If even a single letter fades, cracks, or peels off the page over time, the entire scroll becomes invalid. It cannot be used in a synagogue service until it is carefully repaired.

There is also a common myth that the ink itself must be “kosher.” But Jewish law actually focuses on durability and natural purity. While the parchment page absolutely must come from a kosher animal species, the ink simply needs to be permanent, deeply black, and made from scratch.

To make sure the holy words last for hundreds of years, the ink must follow these specific standards:

  • Color. It must be a deep, solid jet-black color that is easy to read.
  • Durability. The ink must bond with the skin page so it never flakes off.
  • Texture. It must remain smooth enough to avoid cracking over the centuries.

Modern writers often focus on how much digital tools have changed our daily habits. As a blog writer for the paper writing service PaperWriter, Jacky M. points out, “modern text has become instant, temporary, and easily erasable.” Ritual scribes, however, take the opposite path. They preserve a slow, physical process that has remained unchanged for thousands of years. They make sure ancient texts endure for future generations.

The 2,000-Year-Old Ink Recipe

To get the perfect black color and long-lasting quality, scribes use a formula that dates back to ancient times. This traditional mixture is a special kind of iron gall ink. It creates a permanent chemical bond directly on the page.

The Raw Ingredients

Before beginning the brewing process, a scribe must gather a small collection of organic materials:

  • Oak Galls. Round, woody bumps from oak trees that contain a natural acid.
  • Iron Sulfate. A natural mineral salt that turns the liquid dark black.
  • Gum Arabic. A sticky tree sap that acts as a natural glue.
  • Pure Water. The liquid base for boiling the ingredients together.

The Preparation Steps

The process of turning these raw elements into smooth writing fluid requires a lot of patience and precision:

  1. The hard oak galls are crushed into a fine powder.
  2. The powder is boiled in water for several hours until it creates a dark, strong tea.
  3. Tea is strained to remove solid pieces of wood.
  4. The iron sulfate is then added to the warm liquid.
  5. The gum arabic is added last to give the liquid a thick, glossy texture.

The moment the iron touches the oak gall tea, a chemical reaction happens. The pale brown liquid instantly turns into a deep, pitch-black ink. The added gum arabic keeps the ink from dripping too fast off the tip of the scribe’s traditional quill or reed pen.

Why This Ancient Ink Lasts Longer

This handmade chemical compound is perfectly suited for parchment, which is made from processed animal skins. Modern factory inks are full of harsh chemicals and alcohols designed to dry instantly on wood-based paper. If you use factory ink on animal parchment, it will eventually ruin the surface. The letters will turn brittle, dry out, and fall off the page like old house paint.

Handmade iron gall ink works completely differently. It actually bites into the organic fibers of the animal skin. As the years go by, the iron in the ink reacts with the oxygen in the air. This chemical reaction causes the ink to get darker over time instead of fading away.

Conclusion

Some traditions are just too important to be simply replaced by automation. Yes, mixing the ink and writing a sacred text by hand takes time and focus. But the result is outstanding. The tradition is preserved, and these holy texts look and feel the same as they did a thousand years ago. It’s a way for people to touch and be closer to history, so to speak.

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