Features
Rooslana Zodek has built a successful business here after having come to Winnipeg from Israel six years ago
By BERNIE BELLAN It was in the summer of 2016 when I approached then Rady JCC Assistant Executive Director Tamar Barr with an idea: Why not start a “Jewish Business Network” where members of the community with different backgrounds but one common interest could meet on a regular basis? The idea was not new in itself; there had been various attempts previously to do the same sort of thing, including having a “Jewish Chamber of Commerce” as an adjunct to the Winnipeg Chamber of Commerce, but nothing had really taken off.
I was aware that there were many newcomers in our community who were anxious to network – not only with other newcomers, but with longtime members of the community. Tamar – with the full support of then Rady JCC Executive Director Gayle Waxman, was fully supportive of the idea and the JBN launched in the summer of 2016, with the first meeting held outdoors in the Danzker Garden area of the Asper Campus.
For the first three years the JBN was a terrific success. With regular meetings and interesting guest speakers,with at times meetings attracting over 100 attendees, there were plenty of opportunities for newcomers to mix with older members of our community. Two of our guest speakers in those first two years, and who attracted quite large crowds in particular were well known businesspeople Brian Scharfstein and Sandy Shindelman.
Over time, however, the JBN came to be a forum for newcomers themselves to speak to the audience – and their audiences began to be made up largely of fellow newcomers. While that may have been worthwhile, I felt that the JBN was deviating from its original purpose, which was to have newcomers and longtime Winnipeggers mix.
Then came Covid – and the JBN was put on hiatus.
This past fall, however, under the direction of Sheldon Appelle, Rady JCC Manager of Marketing, Communications & Digital Content, the JBN was “back in business” so to speak. I didn’t manage to make it to that fall meeting, but on January 24 I did attend the most recent meeting of the JBN.
The guest speaker was Rooslana Zodek, who arrived in Winnipeg with her husband and two children in 2016. (Since then Rooslana has had another child, born in Winnipeg.)
Rooslana Zodek has quite an interesting background. Born in Ukraine, Roolsana and her husband lived in Ashdod for 26 years before emigrating here in 2016.
She said that she had worked as a financial adviser for Bank Leumi for many years – until she transitioned into a completely different field, which was the subject of her talk. Rooslana explained that she had acquired a Bachelor of Economics and Accounting Studies degree from something called the “Open University” in Israel.
After she made that remark, Rooslana asked the audience, which numbered about 60, how many had also studied in the Open University? Quite a few hands shot up. I admit I had never heard of the Open University, so once I got home, I did some research and found out that it’s an online university in Israel which was established in 1974. It offers quite an array of courses at both the Bachelors and Masters level with all courses taught in Hebrew, but several also offered in Russian and Arabic. Since opening almost 50 years ago, over 50,000 students have graduated from the Open University, with 47,000 students currently registered taking at least one course. Its flexibility is particularly popular among soldiers, who are able to enroll even while serving in the military.
Returning to Rooslana – the turning point in her life, she said, came in 2009 with the birth of her first child, Ethan. Rooslana suffered from postpartum depression, she explained.
“I knew I had to find different ways to help myself, but I didn’t know where to start,” she said.
The search for possible therapies eventually led Rooslana to discover a number of different holistic approaches that worked for her, including “aromatherapy, Reiki, and homeopathy – after trying many healing practices.”
(Ed. note: Although I am writing about the path Rooslana took I do not intend anything I write to be taken as an endorsement of any particular treatment.)
As Rooslana explained, “spirituality transformed my postpartum mental health and helped me through the recovery process.”
It was while researching aromatherapy that Rooslana said she discovered that by combining various “essential oils” in different combinations she was able to help, not only herself, but the other members of her family as well with various conditions. Eventually, as she went on to relate, it was through the study of aromatherapy that Rooslana was able to open her own business here: “scentifique.ca.”
During her talk Rooslana spent quite a bit of time describing the benefits of certain essential oils, but we won’t get into any of those descriptions here. (If you want to find out more about what Roolsana says aromatherapy can do for you, go to scentifique.ca.)
In 2014, Rooslana’s second child was born, a daughter, Neomi. Rooslana said that, thanks to the holistic treatments to which she now subscribed, she “knew what to expect this time (insofar as postpartum depression is concerned) and I was prepared.”
However, Neomi also suffered from a terrible case of eczema, Rooslana explained. By combining certain essential oils, Rooslana said she was able to relieve the eczema, but once she stopped applying them, “the condition came back.” That experience – along with her previous experience dealing with her depression convinced her to further her knowledge of aromatherapy.
Upon coming to Canada though, Rooslana first found work as a full-time financial advisor with RBC. All the while though she was advancing her study of aromatherapy, going so far as to go to Europe for further training.
“I went back to school (in England) to learn about aromatherapy, natural skincare formulation, and nutrition,” she explained. (European schools are much better for learning about skincare, Rooslana added.)
Subsequently, Rooslana switched to a part time position at RBC and, in 2019, registered her online business, Scentifique Holistic wellness boutique. One year ago she joined the Essential Balance Center on Grant Avenue and began working as one of the practitioners there.
It was at that point in her talk that Rooslana made a number of observations that have special relevance for newcomers to our community, including that “it is very easy to start a business in Canada as opposed to Israel.”
“I opened a business account,” she noted, and “it took me only an hour to register my business.”
“In the beginning I was making things only for my family,” she observed, but then friends began asking her to develop skincare products for them, “and those friends told other friends.”
“Most of my clients are word of mouth,” Rooslana said. She also does a fair number of workshops – where she is able to bring her kids along, not only to share their company, but also to help her set up. (You might have seen Rooslana at her booth during Yom Ha’atsmaut at the Campus, also during Folklorama.)
“If I have an event I try to take the kids with me,” she noted. “If I’m at a market I try to make them part of a family business. It makes them feel engaged.”
One other interesting observation Rooslana made is that “men are my most loyal customers.”
Still, working part-time at RBC, then spending a good deal of the rest of her time devoted to her business must be quite demanding, as one audience member asked Rooslana: “How do you combine everything in a day?”
“At times it’s tough,” Rooslana admitted. But she does set aside “Sunday as a family day,” she noted. “I try to spend time after work at the bank with the kids,” she added, seeing “clients only after 9 pm during the week.”
But, not only is Rooslana actively engaged in developing her business, she is also a regular volunteer – both for the Jewish community and the Ukrainian community – from where she came. She thanked the Jewish Federation and, in particular, Dalia Sz
piro, for helping her and her family in their move to Winnipeg over six years ago.
Moreover, along with several other members of our Jewish community who also came from Ukraine originally, Rooslana spends a fair bit of time providing assistance, by giving financial advice, to Ukrainian refugees who have arrived in Winnipeg since the Russian invasion of their country almost one year ago.
Where she gets the energy to do all that she does is hard to understand, but Rooslana Zodek is an example of the kind of spirit that so many newcomers to Winnipeg have embodied over the years. So many of our own ancestors followed a similar path – by working from home to fashion a successful business. Rooslana – and so many other newcomers to our community display a kind of energy and drive that is inspiring to see.
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.