Features
“Reckonings” – riveting documentary film explains how the agreement to offer reparations to Holocaust victims came about
By BERNIE BELLAN Since 1952 the German government has paid more than $562 billion in compensation for crimes committed during the Holocaust, of which $472 billion has been paid to the State of Israel (in goods and services) and $90 billion in cash to individual Holocaust survivors.
How the German government came to agree to compensate victims of the Holocaust is a fascinating story – and one that is the subject of a spellbinding documentary film called “Reckonings.”
On Sunday afternoon, November 12 over 150 people gathered in the auditorium of Westwood Collegiate in St. James to view “Reckonings” and to participate in a discussion that followed the film led by Jewish Heritage of Western Canada Executive Director Belle Jarniewski and Jewish Child and Family Service Holocaust Support Services Worker Adeena Lungen.
The event was timed to coincide with the 85th anniversary of Kristallnacht – “the night of broken glass,” which took place Nov. 9-10, throughout Germany, when over 7,000 Jewish businesses were damaged or destroyed, 30,000 Jewish men were arrested and incarcerated in concentration camps, and at least 100 Jews killed.
“Reckonings,” released in 2022, was directed by award-winning documentary filmmaker Roberta Grossman. In a style first pioneered by documentary filmmaker Ken Burns, Grossman uses historical footage, occasional reenactments, interviews with various individuals who appear from time to time throughout the film – but never for more than a couple of minutes at one time, and music composed to fit the moment, all in a fast-cutting mode that maintains your attention throughout the 74 minutes of the film.
The crux of the story is how the West German government, led by Chancellor Konrad Adenauer, decided to take full responsibility for the crimes of the Holocaust, and offer reparations to Holocaust victims.
If there is any one hero in this film, it is Adenauer. As the film explains, he was a former mayor of Cologne whose family was fiercely anti-Nazi. As well, Adenauer was a devout Catholic – something that played a significant role in his wanting to come to terms with German guilt and atone for the collective sins of the German people.
On the Jewish side, the key figure working with Adenauer – and negotiating on behalf of Holocaust victims was Nahum Goldmann, who co-founded the World Jewish Congress in 1936 with Rabbi Stephen Wise.
Goldmann had been stripped of his German citizenship by the racist German Nuremberg laws (and although the film doesn’t explain it, he found refuge in Honduras.) Yet, the fact he was German-born and was able to develop a warm relationship with Adenauer proved key to the eventual creation of what came to be known as the “The Conference on Jewish Material Claims Against Germany.”
The film unravels the many complexities that were involved in negotiating what turned out to be an agreement of monumental consequence, especially bringing together Jewish and German negotiators across from one another.
In the opening moments of “Reckonings,” co-producer Karen Heilig observes, “You can just imagine what it was like for Jewish representatives to sit down with German representatives only seven years after World War II…It was like negotiating with the devil.”
As the film explains, Israelis themselves were largely opposed to negotiating reparations with the German government. As Heilig observes, “They didn’t want German money.”
Similarly, most of the German population was also opposed to the idea of reparations. “Only 11% of the German population supported compensation” for Jews, according to the film.
In a very interesting insight into the psyche of the German population following the war, it is also noted that, when it came to who the German people thought were most victimized by the war, “Jews were last on the list.”
Amidst what was evidently still a deeply-rooted antisemitism within the German population – and strong opposition from within his own party (Christian Democrat), Adenauer remained adamant that Germany would negotiate reparations – both for individual victims of the Holocaust and for the recently formed State of Israel. (The Federal Republic of Germany itself only came into being in 1949.)
One of the crucial factors in Israel agreeing to negotiate reparations – after having been so solidly opposed, came toward the end of 1951, the film explains, as a result of the Israeli treasury almost being totally bare. The reason was the extraordinarily high cost that the Israeli government had incurred as a result of absorbing hundreds of thousands of refugees since the formation of the state – both Holocaust survivors and refugees from Arab countries.
Yet, despite the precarious state of Israel’s finances, there were still many who refused to countenance the notion of Israel accepting German reparations. In fact, at the time that negotiation began, in 1952, there was a boycott of German goods in Israel.
As the leader of Herut (also leader of the Opposition in the Knesset), Menachem Begin insisted, “reparations will lead to cleansing the guilt of the German people.”
However, notwithstanding the fierce opposition from among many Israelis to entering into negotiations with the German government, Israel’s government, led by David Ben Gurion, did announce that it was ready to discuss reparations, but it led off with a claim for $1 billion – the cost, it said, for absorbing 500,000 Holocaust survivors.
Adenauer agreed to negotiate with both the Israeli government and a representative organization of the Jewish people – but at the time there was no organization in place to do that.
Thus was created “The Conference on Jewish Material Claims Against Germany,” with Nachum Goldmann at its head. The other members of the negotiating team had clear goals in mind: What they were negotiating with the West German government was not about “morality,” it was about dollars and cents.
To that end, the negotiators wanted to break down compensation into two different categories: compensation for personal suffering and compensation for property lost to the Nazis.
The problem was: Who would claim compensation for property when everyone who might have owned particular properties had been annihilated?
I actually put that question to Adeena Lungen during the discussion that followed, since the film didn’t go into any detail as to how that circle could be squared. Adeena explained that survivors of Holocaust victims are often able to claim compensation for personal suffering, for which there is significant information available, but compensation for loss of property is often much more difficult to ascertain.
Agencies such as JCFS, which help survivors apply for compensation often rely upon archival information that “gives a wealth of information about property based on the recollections of others from a particular shtetl.” As Adeena further noted, “in Poland, wherever you lived there was a document that recorded where you lived” – and there is now an “online database” based upon those documents from where anyone can get detailed information about where individuals lived.
Before teams representing the three parties (West Germany, Israel, and the Conference on Jewish Material Claims Against Germany) for the coming negotiations met, however, Konrad Adenauer met with Nahum Goldmann in secret to determine certain basic points: Was West Germany actually ready to pay reparations and where would the negotiations take place?
The answers to those questions were: Yes, West Germany was ready to pay and two, the negotiations were to be held in a neutral county – in this case, The Netherlands.
Although Israel and the Claims Conference were to be separate parties to negotiations with West Germany, it was agreed that Israel and the Claims Conference would coordinate their strategies together.
Prior to the commencement of negotiations, however, the film explains, “German officials wanted to come to terms with the rest of the world, then Israel and the Claims Conference,” but Israel took the position that “No, you have to come to terms with us and the Claims Conference, then the rest of the world.”
With West Germany accepting that as a pre-condition to negotiations, the representatives met and, after a prolonged series of negotiations, West Germany did agree to provide $857 million in reparations, of which $750 million was to go to Israel (but not in cash, as the film explains; rather, it was in goods and services, including raw materials, industrial machinery, and ships for the Israeli navy), while the Claims Conference was to receive $107 million.
However, many individuals were excluded from the deal to receive compensation, including anyone living behind the Iron Curtain and people who had been in hiding during the war.
One of the key individuals during the negotiations with Germany was Ben Ferencz, who passed away this past April. Not only was Ferencz the sole surviving negotiator for the Claim Conference, as Belle Jarniewski also pointed out, Ferencz was the last surviving prosecutor from the famed Nuremberg trials of Nazi war criminals. Ferencz is featured quite prominently in “Reckonings,” as he was able to give a first-hand account of what the negotiations were like.
The final agreement worked out between West Germany and Israel, on the one hand, and West Germany and the Claims Conference, on the other, came to be known as the Luxembourg Agreement. It has served as the basis for all subsequent agreements to compensate Holocaust victims by the German government.
Of the $90 billion that has been paid out in reparations since 1953, over 270,000 Holocaust survivors were among the first recipients of the initial $107 million paid in 1953. Since then, an additional 500,000 individuals have received payments. And, although the Luxembourg agreement was only intended to provide compensation to survivors in 1953, ever since then there have been regular negotiations between the German government and the Claims Conference, which have resulted in varying amounts being negotiated each time.
Insofar as Holocaust survivors who moved to Winnipeg are concerned – of whom there have been over 1500 individuals over the years, Belle Jarniewski explained the process through which they receive compensation from the German government.
In 1948 something called the United Restitution Office was established to help Holocaust survivors. (The Canadian office was founded in 1952.) The purpose of the office was to help survivors with individual claims. Case files were established for survivors, including claims and documentation describing difficulties survivors have encountered during their lifetimes. In 2022 those files were transferred to the care of the Jewish Heritage Centre.
Adeena Lungen (about whose role at JCFS helping Holocaust survivors we described in some detail in an article in our December 20, 2021 issue, which can be downloaded on our website – simply go to jewishpostandnews.ca and, under the “Search Archive” tab at the top, and enter Dec. 20, 2021 to download the complete issue. The article about Adeena is on page 3.), explained that JCFS has been working with Holocaust survivors in Winnipeg since 2000. Adeena has been serving in her role as Holocaust support services worker for the past 20 years, she noted.
Adeena noted that, in addition to compensation available from the German government for Holocaust survivors, other countries have, in recent years, also begun to offer compensation in certain cases. (For instance, in our two most recent issues we posted an advertisement for compensation now being offered to Jews who were former residents of Lithuania.) Other countries offering compensation now include France, Austria, Poland and Romania, Adeena added.
When asked how a survivor could go about proving that they are actually a Holocaust survivor (and there have been numerous bogus attempts over the years by individuals falsely claiming to be Holocaust survivors), Adeena described the steps JCFS, for instance, will take to verify someone’s claim, noting however that, while JCFS will do an initial assessment of someone’s claim, the final determination rests with the Claims Conference.
According to Adeena, a claimant must submit documents, such as identity papers from the country of origin.
Currently there are still 200,000 Holocaust survivors worldwide, of whom 150,000 have been receiving distributions from the Claims Conference. Adeena noted that new files are still being opened for Holocaust survivors. (Apparently there are still Holocaust survivors who have been unaware that they are eligible to receive compensation.)
In 2022, for instance, the Claims Conference was able to distribute $562 million to 150,000 individual Holocaust survivors. An additional $750 million was distributed to social welfare agencies worldwide, including JCFS. If you would like more information about compensation for Holocaust survivors, contact Adeena Lungen at alungen@jcfswinnipeg.org.
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.