Features
Playing God: A Scientific Fable
By DAVID TOPPER We know now that the universe began with a Big Bang about 13.8 billion years ago.
But what about before that? How do we find out what happened then? There are no data to start with. No experimental information from which to begin. Nothing. Well, not ‘nothing’ nothing, for if that were so, there wouldn’t be a Big Bang. What do we do when we have no data?
Well, Einstein had a way of getting at such knowledge without real experiments: he called it (or maybe we later made up this term) a “thought experiment.” You see, it’s an experiment that you do in your mind. Of course, it helps if you have a mind like Einstein’s. But since he’s dead, you’ll have to rely on me – like it or not.
A good example is the first such experiment, which Einstein performed at age sixteen, and he speculated this way. He asked: “What would the world look like if I rode on a beam of light?” See what I mean by a thought experiment? Clearly this is impossible to do in reality. For one thing, nothing moves at the speed of light, neither when Einstein was a teenager nor now. But in the end, his theory of relativity came out of this idea, and he deduced that nothing can ever travel at light speed – except for light itself.
Now to my thought experiment about what happened before the Big Bang. First, don’t get me wrong, I’m not comparing myself to Einstein. No way. It’s just that I’m using his method to try to penetrate what it was like before the Big Bang. What existed? Well that’s easy to see – in your mind, that is. Obviously, that was when God alone existed. Only God, all alone. Just God. Nothing else.
Hold it a sec: At this point I need to set up some parameters. Thought experiments work under idealized conditions, such as assuming no friction. For my experiment, the analogous assumption would be assuming no angels – or devils, which were just bad angels – only God alone. Frankly I don’t believe in either of those beings, unlike many people on this planet (come to think of it, probably most people), and contrary to much of John Milton’s Paradise Lost, an otherwise marvelous work of 17th century literature, but groundless in heavenly reality, I’m sorry to say. Which brings me back to long before the Big Bang – and God alone.
Really, think about it. God alone means that not only were there no angels and devils, but also that there was no universe – yes, no universe – indeed, no other existing entity or entities. This also means that there was no space or time. Only God was everywhere and God was everything.
What would that be like? How to know? Well, let’s be God? You know, we’ll play at being God. Okay? Now isn’t that the ultimate thought experiment? I’m game to play being God. Do you want to come along? If you’re afraid that maybe you’ll be struck by lightning, or something bad will happen to you – well, then, leave now. Right now. Here! Stop! No one’s making you read what I’m saying. Good bye.
Otherwise, here goes ….
Being God is not all it’s cracked up to be. Everything is the same all the – … time? No. What word do I use here, since there’s no time? Just an eternal present, like me, eternal, and being all of existence. That’s me. I am everything. And everything is me. But why do I even exist? Come to think of it, I don’t know. But I should; after all I’m God, and I should know everything. But I don’t know why I exist.
The worst part is that being God, believe it or not, is being bored. Because there is nothing else except me, there is nothing to break the routine. Me alone doing, … well, what actually do I do? I exist, I tell myself. I know that! The problem is that I need something else to break the tedium and give me something else to do, besides just exist. So, I should create something. But hold on, if I do that, I will no longer be everything. I would be creating another existence, a world, and this has never been done before (whatever “before” means). A world that will exist independently of my control – unless I wish to interfere now and then with a miracle or two or three. Ah, what to do?
Why hesitate, if I know the future? Well, here’s the rub. For this case I am having my future-sense turned off. I don’t want to know the future. Not knowing the consequences of my actions gives at least some levity and surprise to my otherwise torpid existence. So, to create, or not to create, a universe, that is the question.
So, God itself contemplated this God-changing act of God.
Well, we know what happened. God created the universe with a Big Bang. And, as such, God was not alone anymore. Now there was a universe to watch over. Of course, you are now probably thinking of God looking at us, with all our joys and sorrows. But, remember: we, as human beings on this little blue planet Earth, came much later than the Big Bang. So, the next question is: right after the Big Bang, what was this newly-created universe like? What was there for God to see?
First, a caveat. Before your mind rushes in the wrong direction: we are not going to bring up the drivel about the six days God made various earthly things, let alone Adam & Eve. That’s the mythology of Genesis. No, here we talk about what (within the speculative framework of present-day astronomy and cosmology) really happened.
The Big Bang universe began as a point of extremely hot, extremely dense matter that immediately doubled in size, again and again, expanding as it evolved, doubling again and again, cooling as it expanded, again and again, creating space and time as it expanded, again and again, cooling but still a dense mass, next consisting of protons and neutrons (and later other sub-atomic particles), colliding and forming the first elements – hydrogen, then helium, and so forth, again and again, expanding and cooling as it evolved. This kept up for about 400,000 years before stars and then galaxies began forming out of this chaos. And this means that for all this time that the universe was evolving, it was – and get this! – totally dark. Yes, completely dark. Pure black. Not much to see. Plus remember: now there was time (that is, the passage of time), so this 400,000-year period was a real thing for God to experience.
But there’s more! This relative darkness across the entire universe was still true for – and here’s another shocker! – the first billion (yes, I said billion) years. Even though the first stars and galaxies were now forming and evolving, they were still sparsely scattered throughout the universe, so that seeing it from the outside (if that makes any sense; I guess, a God’s sense) the entire universe was still fundamentally dark. Indeed, cosmologists call the first billion years of the universe the Dark Age. Of course, this is all a far cry from what we find in Genesis, but that’s beside the point.
Who knew about this Dark Age? Besides God that is? Actually, no one else, until recently. We’ve only realized this in my lifetime, as contemporary astronomy has discovered so much of this mind-blowing information. After the Dark Age, as the expansion continued, the universe finally lit up (“let there be light”) and it started overall to look much the way it does today. Incidentally, the new James Webb telescope, placed about a million miles from our Earth around the start of 2022, has [as I write this] just generated the first images. Eventually it will be able to penetrate back to the early universe around when those first stars and galaxies were forming – if all goes as planned.
Although this mental journey of mine began with the question of what it was like before the Big Bang, and we played at being God to find out, I feel I cannot stop here, until it gets to us – that is, we human beings on this little blue planet. So here goes.
About 4.5 billion years ago, a dense cloud of interstellar gas and dust started collapsing and was set spinning, due to a shock wave from a nearby supernova, and by the law of angular momentum, the more it collapsed, the faster it spun – and, as such, pieces of it were sent by centrifugal force into orbits around a central star. The pieces coalesced and cooled, forming planets and moons, as the star shrunk into the Sun that we have now. Incidentally, the size of our Sun/star tells us that it has a ‘lifespan’ of about 10 billion years. So, this means that our Solar System’s ‘life’ is about half over. Also, when it’s about 7.5 billion years old, the Sun will grow into a red giant and encompass the entire orbit of our earth, destroying everything. In the end, it will just shrink into a dead white dwarf, having used up all its hydrogen. But that’s in the far, far future (for us). So, back to the past.
Because of the special conditions on this third planet from the Sun, around 3.8 billion years ago life began, single-cell organisms, various viruses; and by 1.5 billion years ago early forms of plants and fungi and animals. And hence it went, or really it evolved. We know that around 65 million years ago the dinosaurs and other categories of plants and animals were wiped out in a mass extinction. This event was crucial for my story, for with those giant creatures gone, physical space opened up making room for the small mammals to emerge, evolve, and ultimately dominate the planet. And thus 6 million years ago humans diverged from chimpanzees and bonobos – eventually becoming homo sapiens as we know ourselves today.
Hence, we humans finally appear in our story, having avoided the Adam and Eve myth. But we still have a residual issue to deal with. Let me explain, for here things get tricky. We are talking about life being formed in the universe. But we only know of this one case of the evolution of life: namely, here on Earth, a planet in our solar system, near the edge of what we call the Milky Way galaxy, which is part of a cluster of galaxies that … well, you get the picture.
Of course, there may have been an evolution of life elsewhere in the universe, and there is much speculation today of this probably being true, due to the recent discovery of many planets out there that are circling around stars with conditions likely conducive to living things. But, despite the fact that lots of people believe that alien beings exist and that they have been and still are visiting us in their UFOs, the scientific reality is that we on Earth are the only known case of life in the universe. And hence the only example where we can again continue playing God.
We have the story of God’s creation as told in Genesis. But what would a God who created the Big Bang say?
Well, you see: I did create a universe! I guess it was kind of on a lark, but here it is anyway. And time, as noted, began. The passage of time. And space too. Of course, your smart guy Einstein spoke of space-time, but that’s a story for another time. Although, by the way: he was right!
It started with the Big Bang. And you know what happened then, as this universe evolved from that point of almost infinite density to the universe as it is now, 13.8 billion years later. Quite an achievement wasn’t it? Worthy of all the praise that humans like to shower upon me with their prayers, starting with the Psalms.
So, my universe was quite an accomplishment. And I was not bored during that early Dark Age, because I could see into that dark space and watch as stars were forming, and as they clustered together into galaxies of various sizes and shapes. With my future-sense turned off, it was a marvelous show for me to watch. It kept me constantly occupied, and never bored.
Nevertheless, it was difficult realizing that this universe had taken something from me, out of me, away from me – for I no longer was, as before time began, all that was. Now there was this other entity – and growing, constantly taking up more space – well really creating space as it went.
Now that the universe is here, in existence, what will happen to it? Your cosmologists today have three scenarios as to what will happen as the evolution of the universe continues. One: it expands faster and faster forever, with everything dying in the process. Two: the expansion eventually slows down, but that takes forever, and again everything dies in the meantime. Three: the expansion finally stops and the process reverses, such that it returns to the Big Bang, and then (probably) it starts all over again. This is a cyclic universe. To be honest (can God be anything but honest?), I peeked into the future to see which one of the three is going to happen, but I’m not telling you now. Let your future scientists find this out as they probe deeper into my creation.
Death, of various kinds, was built into the system. If I didn’t like what I saw I could do away with it as quickly as I made it. Strange perhaps, but I was exceedingly upset at the extinction of the dinosaurs about 65 million years ago. They were interesting to watch, and seemed to be having a good time on your planet. Of course, there was lots of violence and fighting – after all, they were dinosaurs.
Frankly, the violence and death prepared me for you humans later on. The extensive warfare between human groups, on and on. No one ever seemingly living in peace. Of course, I should have been prepared for this with the heavenly battles between the good angels and the bad angels. But it still bothered me deeply. On Earth, the animals mainly kill for food. Actually, some don’t, and I see that your scientists are now discovering some of these sadistic animals. But you humans kill for the most trivial reasons. So, yes, many times I thought of …well just taking the lot of you out of your misery. Wiping out all that I made. Incidentally, that Sodom and Gomorrah story in Genesis is nothing compared with what I saw, and still see. But I’m leaving you alone, along with the rest of the universe.
Wait a minute. What are you doing, talking about angels? I thought we both knew that there were no angels. A fantasy of humans. Have you been reading Milton or something?
I read everything. And I like Milton, and how he portrays Satan and others.
Yes, of course you read everything. What am I thinking? But angels are a myth, so why perpetuate a falsehood?
You are saying this, not me.
I can’t believe what I’m hearing. You must be teasing me? I know that God cannot tell a lie. But it looks like God can tease.
Why is this angel/devil thing so important to you?
Oh, so you’re going to turn this around against me. I’m not going there. You and I both know there are no angels, of any types. That’s why you created the universe. And I’ll just leave it there. I’m done. You may have the final words – as long as you don’t mention angels.
You must remember this: the universe is just an experiment; an experiment is just a query – all done to alleviate my ennui, purging my melancholy and gloom. However, in time, it was replaced by rage and pain, shock and despair at how you humans behave. What did I make, I ask myself? The few righteous on your planet feel the same way. The Rabbis (who incidentally believe in dybbuks) say my job was incomplete and you humans have to complete it – to perfect it. They are right.
So, I tell you: do as the Rabbis say. Get off your buns and change the world.
The experiment continues.
Praise the Lord!
You broke the deal. I’m not going to bite at that dybbuk thing. Who knew that God would pull my leg? Pushing boundaries, coming close to, but not quite, telling a lie. What a jokester. Who knew?
Praise the Lord!
Features
Basketball: How has Israel become one of the best basketball countries in Europe in the last few years?
When Israeli Deni Avdija became the first Israeli to be drafted as the highest Israeli draftee in NBA history in 2020 – then emerged as a key NBA wing in Portland, it was not so much the breakthrough it appeared to be, but a portent of things to come. Israeli basketball development has been decades in the making, and in recent years its clubs have made Europe take notice.
This is why Maccabi Tel Aviv, Hapoel Tel Aviv, and the national basketball team of Israel are now the subjects of serious discussion in European basketball. It is only natural that fans and bettors reading form, depth of the roster, and momentum would look at our Euroleague predictions and then evaluate how Israeli teams would fit into the continental picture.
A rich history: The Maccabi Tel Aviv mythos
The contemporary narrative dates back to before Avdija. Maccabi Tel Aviv won its maiden European Cup in 1977, beating Mobilgirgi Varese and providing a nation under pressure with a sporting icon. Tal Brody’s declaration: “We are on the map” became not just a quote, it became a declaration of Jewish confidence, Israeli strength and a basketball dream.
Maccabi turned out to be the team of the nation since it bore Israeli identity past the borders. Maccabi has been a cultural ambassador before globalization transformed elite lists into multinational conundrums. Its yellow jerseys were the symbol of excellence, rebellion, and identification for the Israeli people at home and Jewish communities abroad.
The six European championships for the club provided a benchmark that has influenced the Winner League and Israeli basketball. Children were not just spectators of Maccabi, they dreamed of Europe as something accessible. Coaches studied in the continental competition. Sponsors and broadcasters realized that basketball had the potential to be the most exportable Israel team sport.
The modern pillars of Israeli basketball’s success
The recent ascendancy of Israel is no magic. It is the result of history, astute recruiting, youth-building and pressure-tested league culture. The nation has made its size its strength: clubs find talent at a young age and enhance the potential with foreign professionals.
Nurturing homegrown talent: The Deni Avdija effect
The most obvious example is that of Avdija. He was a high-ranking contributor in the system of Maccabi Tel Aviv, was chosen as a teenager, and was picked number 9 by Washington in the 2020 NBA Draft. His career was a reminder that an Israeli prospect could be more than a local star; he could be a lottery pick with two-way NBA potential.
Israeli NBA player Omri Casspi had already opened that door, and Avdija opened it even further for the next generation. Their achievements captivated the expectations of youthful players in Tel Aviv, Jerusalem, Holon, Herzliya, etc. An Israeli teenager is now able to envision a path from youth leagues to the Winner League, the EuroLeague, and ultimately – NBA minutes.
It is that dream that has been followed by investment. Israeli clubs put more emphasis on skills training, strength training, and analytics, as well as international youth tournaments. The success of the national program in the face of the best of Europe has also helped.
A global approach: The role of international and naturalized stars
The other pillar of the Israeli basketball program is the openness of Israel to global talent. The Winner League has been an important destination, not a stopover, for American guards and forwards. Most come in with NCAA or G league experience and become leaders due to the fact that the league requires scoring, speed and tactical flexibility.
It is enriched with naturalized players and Jewish players, who are able to use the Law of Return to come to Israel to play. Inspired by legendary players like Tal Brody, current imports who can bond both professionally and personally with Israelis have provided teams with uncharacteristic diversity in their rosters. The outcome has been a mixture of Israeli competitiveness, American shot making, Balkan toughness, and European spacing.
Making waves in Europe: Israel’s modern Euroleague footprint
Even in challenging seasons, Maccabi Tel Aviv has remained the flagship team. Currently, Maccabi is out of a playoff spot in the EuroLeague, but Hapoel Tel Aviv has shot up in playoff discussion. That juxtaposition speaks volumes: Israel is no longer represented by one lone, iconic club. Its profile has expanded.
Nevertheless, it is true that the reputation of Maccabi in the EuroLeague does count. Menora Mivtachim Arena in Tel Aviv is one of the most intimidating arenas for EuroLeague teams to play in: loud and emotional. Recent security and travel realities have affected the usual home-court advantage but the name of the club is still a potent brand.
It is the reason why there is an interesting betting discussion within Israeli teams. The name Maccabi still retains a historical impact, but analysts also need to quantify the present defensive performance, injuries, substitution of venues and guards, and fatigue in the schedule. The emergence of Hapoel has provided another Israeli point of reference and markets have to regard the nation as a multi-club force.
What’s next? The future of Israeli basketball on the world stage
Sustainability is the second test. The Israeli national basketball team desires more serious EuroBasket performances and a future world cup. It requires Avdija types – fit and powerful, more domestic big men, and guards capable of playing elite defense to get there.
The pipeline is an optimistic one. Israeli schools are more professional, teams are bolder with young talents, and the Winner League is a test ground where potential talents have to contend with older, tougher imports each week. Not all players will turn into an Avdija, yet additional players ought to be prepared to participate in EuroCup, EuroLeague, and even NBA games.
To the Jews in the Canadian diaspora, the impact is not only sporting, it is also emotional. Israeli basketball brings pride, drama and a common language to the continents. To the European fan, it provides tempo, creativity and unpredictability. To analysts, it provides a sign that a small nation, with memory, ambition and adaptation, can rise to become a true basketball power. Israel has ceased to be the unexpected guest on the table of Europe. It is a part of it, season after season.
Features
In recent years, we have been looking for something more than a house in Israel – we have been looking for a home
For many Jewish families in the diaspora, Israel has always been more than a destination. It is the land of tefillah, memory, family history and belonging. But in recent years, many families have begun asking a practical question too: should Israel also become a place where we have a home?
Not necessarily immediate aliyah. Sometimes it begins with a future option, something good to have just in case, or simply roots with a stronger connection to Eretz Yisroel.
But what does it mean?
A Jewish home is shaped not only by what is inside the front door, but by what surrounds it: neighbours, synagogues, schools, parks, local services, safe streets and the rhythm of Jewish life. For observant families, these are not small details. They are the things that turn a house into a place of belonging.
This is not a new idea. It is a need that has helped shape Jewish communities in Israel before. The Savyonim idea is rooted in the story of Savyon, the Israeli community established in the 1950s by South African Jews who wanted to create a green, safe and community-minded environment in Israel. It was a diaspora dream translated into life in the Jewish homeland.
That idea feels relevant again today. Many Jewish families abroad are now making plans around where they can feel connected in the years ahead.
Recent figures point in the same direction. Reports based on Israel’s Ministry of Finance data showed that foreign residents bought around 1,900 homes in Israel in 2024, about 50% more than the previous year, with Jerusalem emerging as the most popular place to buy. In January 2026, foreign residents still purchased 146 homes, broadly similar to January 2025, even as the wider housing market remained cautious.
For Lior David, International Sales & Marketing Manager at Africa Israel Residences, part of the continued interest may lie in the fact that today’s residential projects are increasingly built around the wider needs of Jewish families abroad: not only buying a property in Israel, but finding a setting that can support community, continuity and everyday Jewish life. That idea is reflected in Savyonim, the company’s residential concept, which places the surrounding environment at the heart of choosing a home.
This can be seen in Savyoney Givat Shmuel, where the surrounding environment includes synagogues, parks, educational institutions, local commerce, playgrounds and transport links, and in Savyoney Ramat Sharet in Jerusalem, located in one of the city’s established green neighbourhoods.
For families abroad, these things matter. Jerusalem and Givat Shmuel are never just another location. They are home to strong Jewish communities, established religious life and surroundings that allow a family to imagine not only buying property, but building a Jewish home in Israel.
Together, these projects reflect a broader understanding: that for many Jews in the diaspora, the decision to create a home in Israel is not only practical, but rooted in identity, continuity and community. The Savyonim story began with a Zionist community from abroad that succeeded in building a real home in Israel; today, that same vision continues in a contemporary form.
Features
When a Personal Loan Can Be a Smarter Option Than Carrying Credit Card Debt
A lot of people keep credit card debt longer than they planned because the monthly minimum looks manageable, but that is the trap. The payment feels small enough to live with, but much of it goes to interest when the balance is high. That means the debt can drag on for years, even if you keep paying on time.
A personal loan can be a smarter option when you already know the debt will not be gone quickly. Instead of carrying a revolving balance with a high rate and no firm payoff date, you move the debt into a fixed loan with regular payments and a clear endpoint. That does not solve every debt problem, but in the right situation, it can reduce interest costs and make repayment more realistic.
The Core Difference Between These Two Types of Debt
Credit cards are flexible, so you can borrow, repay, and borrow again without applying every time. That flexibility is useful for day-to-day spending, emergencies, and short-term borrowing. It becomes expensive when a large balance sits there month after month.
A personal loan is structured. You borrow one amount upfront, then repay it over a set term, often between one and five years. The payment usually stays the same each month. That structure matters because it forces steady progress.
When a Personal Loan Usually Makes More Sense
A personal loan tends to be the better choice when the debt is already turning into a medium-term problem rather than a short-term one. That often means you are no longer using the card for convenience. You are using it as borrowed money and paying a high price for that access.
It can be a smart move in cases like these:
- You are carrying a balance for several months and do not see a realistic way to clear it soon
- Your card interest rate is much higher than the loan rate you qualify for
- You have debt across two or three cards and want one payment instead of several
- You need a fixed monthly amount so you can build a proper budget
- You want a firm payoff date instead of open-ended repayment
The Biggest Practical Advantage Is Predictability
If your monthly budget is already tight, uncertainty makes everything harder. Credit card minimum payments can rise as rates change or balances grow. Multiple cards also mean multiple due dates, different limits, and a higher chance of missing one payment.
A personal loan can make life simpler. You know the payment amount, the term, and the month the debt should be gone. That makes it easier to plan around rent, groceries, utilities, childcare, and other fixed costs. For many households, that predictability is just as valuable as the interest savings.
When you are comparing offers, a reputable financial institution like, for example,Innovation Federal Credit Union can explain the full cost of borrowing, not just the headline rate. That matters because the real question is not whether the payment looks fine today. The real question is whether the loan will make your debt cheaper, easier to manage, and less likely to come back.
Where People Make Mistakes
Paying off a card with a loan helps only if the card balance stays low afterwards. If the card fills up again, you end up with both the loan and new revolving debt. That is usually worse than the original problem.
Another mistake is focusing only on the monthly payment. A longer loan term can make the payment feel easier, but it may also increase the total amount of interest paid over time. A smaller payment is not automatically a better deal.
Before signing anything, check these points carefully:
- The loan interest rate
- Any origination or administration fees
- The total amount you will repay over the full term
- Whether you can make extra payments without penalty
- Whether the monthly payment truly fits your budget
- What you will do with the credit cards after the balance is paid off
When a Personal Loan Is Not the Better Option
If your credit is weak, the loan rate may not be much better than your card rate. In that case, the savings may be too small to justify the switch. If fees are high, the benefit can shrink even more.
It also may not help if the real issue is cash flow. If your income is not covering regular monthly bills, replacing card debt with a loan does not solve the shortage. The payment may look neater, but the pressure remains. In that case, the better step may be a hard review of spending, extra income, or professional debt advice.
A credit card can still be a better tool when you can pay off purchases quickly and in full. Used that way, a card can be convenient and cost nothing in interest. The problem starts when short-term borrowing quietly becomes long-term debt.
How to Decide
Pull together the numbers for every card you carry. Write down the balance, the interest rate, the minimum payment, and how much you usually pay each month. Then compare that with the full cost of a personal loan offer.
Look at these questions:
- How much interest will I pay if I keep the debt on my cards
- How much interest and fees will I pay with the loan
- How long will each option take to clear
- Can I manage the loan payment even in a tight month
- Am I ready to stop using the paid-off cards for routine spending
If the loan gives you a lower total cost, a clear payoff schedule, and a payment you can genuinely handle, it may be the smarter move.
A Good Loan Strategy Includes a Behaviour Plan
If you use a personal loan to clear card balances, decide in advance what happens next. Some people keep one card open for emergencies and put the others away. Others lower their limits or remove saved card details from shopping apps. Small changes like that can prevent the old pattern from restarting.
Set up automatic payments if possible. Put the loan due date just after payday. Build even a small emergency fund alongside repayment so an unexpected car repair or vet bill does not go straight back on the card. Those steps may sound basic, but they often make the difference between lasting progress and another round of debt.
To Sum Up
A personal loan can be a smarter option than carrying credit card debt when the debt is already lingering, the loan rate is meaningfully lower, and the monthly payment fits your budget without strain. The real advantage is not only lower interest. It is structure, clarity, and a realistic path to being done with the debt.
That said, a loan works best when it is paired with changed habits. If the card balance returns after the transfer, the loan will not have solved much.