Features
The Atlantic Jewish Council (AJC) has just elected a Winnipegger to the position of president: Naomi Levine
By BERNIE BELLAN From time to time we hear from former Winnipeggers about what they’ve been up to since they left Winnipeg. (And Gerry Posner does a very good job letting Winnipeg Jews know how many ex-Winnipeggers have really “made it” once they left Winnipeg – ouch!)
But recently we were on the receiving end of a phone call from someone who hasn’t actually left Winnipeg; she just makes her home somewhere else for a good part of the year – and no, it’s not Florida, California, or Mexico – it’s in Indian Harbour, Nova Scotia, near Peggy’s Cove – well-known as a tourist destination.
The person who called was Naomi Levine, a name very familiar to many Winnipeggers. Naomi told me she was calling from Nova Scotia, where she has been living for part of the year since she and her late husband, Judge Ian Dubienski, fell in love with the area many years ago.
Nova Scotia? you might wonder. Well, Atlantic Canada doesn’t have a very large Jewish population – only about 7,000. Halifax, which is a 45-minute drive from Peggy’s Cove) – although it doesn’t have a huge Jewish population (2,735 according to the 2021 census) has had significant growth in its Jewish population since the last time figures had been reported (in the 2011 National Household Survey). Of all Canadian cities, only Victoria has shown a more rapid growth relative to what had been reported in the NHS.
During that initial phone call from Naomi, in which she informed me that she had recently been elected president of the Atlantic Jewish Council, I asked her to email me some information about how she came to find herself in that role. During subsequent emails that went back and forth I asked Naomi to flesh out more about her life, her career, and her marriages to two very well known Winnipeggers: (Judge) Ian Dubienski and Arthur Mauro (both of whom have passed on).
What followed was a fascinating series of emails, each one leading me to ask even more questions about Naomi’s very interesting life. What follows is a detailed account largely taken from her own emails, in which she writes about her new role as president of the Atlantic Jewish Council and how she came to find herself in that role. We’ve rearranged her emails first to give some background about Naomi’s life prior to her becoming president of the Atlantic Jewish Council, but in between we’ve also included some information she sent about her involvement as a volunteer, not only with the Winnipeg Jewish community, but with a plethora of organizations outside the Jewish community:
By the way, before you read Naomi’s very interesting life story, here is some information about the Atllantic Jewish Council, taken from its website: “The Atlantic Jewish Council (AJC) has been the cornerstone of Jewish life in the Atlantic Canadian provinces (Nova Scotia, New Brunswick, PEI, and Newfoundland & Labrador) since 1975, acting as the organized Jewish community’s representative and program/service provider for non-religious matters. With only a small staff complement and a modest budget, the AJC relies on the support of over 100 volunteers across Atlantic Canada to move the needle on (its) strategic priorities.”
Here, then, is Naomi’s story:
“My parents were Lou and Sophie Levine. My dad’s parents came from Propoysk, in Belarus. His mother’s maiden name was Duboff.
“My dad owned LONG’s HAT’S MENSWEAR, on Portage Avenue – with Harry Stuart, but around 1958 he became a commercial and estate appraiser, working out of Aronovich and Leipsic. After retirement, he sat on the City of Winnipeg’s tax review board and was instrumental in developing an accredited real estate program. He had been very involved with B’nai Brith and was Chair of Hillel. It was my dad who brought Reb Zalman Schachter to Winnipeg to be the rabbi for Hillel.
“My mother’s maiden name was Bookhalter. Her mother’s maiden name was Lockshin. My mom’s family was from Novozybkov, near Chernobyl. Her grandfather was the pivotal founder of the Lubavitcher Synagogue. Her dad, Pinyeh Bookhalter, owned a garment factory – Ontario Garment, on Princess Street. My mom did her B.A. at the University of Manitoba and worked for her dad before marrying. She was supposed to have gone to medical school but, she said, my dad cried for two weeks, so she married him.
“I have one younger brother, Martin Levine, who was with the Canadian Foreign Service, and who specialized in immigration policy. He lives in Ottawa and continues to present lectures to Canadian immigration lawyers.
“I went to Talmud Torah until Grade 10 and then had to switch to Grant Park High School because we moved to the south end. The difference (in my view) was enormous. At Talmud Torah, we learned to love study, reading, learning. At Grant Park, we learned to date.
“After my B.A., (1968), I did a Master’s Degree in Irish Theatre – not a very marketable commodity. I went into Law at the U of M and graduated with an LL.B. In 1976. I articled with the Manitoba Department of Prosecutions and was called to the Bar in 1977. I then moved to Ottawa for three years (with my husband, Ian (Judge) Dubienski, and worked in the policy wing of the Department of Justice. When we came back to Winnipeg, I developed my own practice – primarily in criminal law, also in human and civil rights law.
“In 1991, I changed from being a ‘courtroom’ lawyer to delve into the world of harassment – sexual, emotional and criminal; conflict of interest; and abuse of power. I had two offices – at the University of Winnipeg and at Red River College, and conducted inquiries for them and for other clients, such as governments, hospitals, universities, public schools, arts organizations, sports organizations, churches and others. I joined an American association called the National Association of College and University Attorneys and presented on matters related to freedom of speech and expression, comparing the differences in interpretation between Canada and the States.
“My late husband, Ian Dubienski, had been Chief Judge of Manitoba’s Provincial Court and was seconded by then-Prime Minister Pierre Trudeau to look at sentencing principles across Canada. I travelled with him and have been to all the provinces and territories.
“In 1979, Ian and I decided we wanted, eventually, to have a home in Nova Scotia. We had been visiting three times a year, fell in love with the area, and bought a house in July 1997. Later, in 2003, I bought a house in Indian Harbour, on the Aspotogan peninsula – which is where I live now – when I’m in Nova Scotia. Indian Harbour is a few miles from Peggy’s Cove and about 1/2 hour from Halifax.
“Ian and I had two dogs (a malamute and a bouvier). Our bouvier, Teuchter (Gaelic for ‘farmer’; not Jewish for ‘daughter’) died two weeks before Ian.
“Ian died of cancer in January 1998. For 10 years I drove my malamute, ‘Fleurie,’ back and forth between Winnipeg and Nova Scotia. Fleurie was with me for five years in the house in Indian Harbour before she too, died.
“Five years after Ian’s death, I met Arthur (Mauro). I had been associated with an international organization that negotiated for peace in war-torn countries and, when I read about Arthur’s founding the Institute for Peace and Justice at the U of M, I decided to meet him, in October 2001. It led to marriage in January of 2003. (Arthur Mauro died two years ago – in 2023.)
“I still sit on the Board of the Mauro Institute for Peace and Justice.”
“In 2000, the Canadian government amended the National Defence Act, to form the Canadian Forces Grievance Board, as an arms-length tribunal to sit, quasi judicially on all matters concerning the Canadian Armed Forces. I was one of the four judges who were appointed to that board. While I lived in and practiced law in Winnipeg, I had an office in Ottawa and sat on cases across the country. I was taken to every base in Canada and was impressed with the dedication and commitment of Canada’s Army, Air Force and Navy. I served in that position for seven years.
“I also became a journalist. I had started my involvement with Peter.Gzowski on his morning show, appearing somewhat regularly to talk about anything from cod fishing off Newfoundland, to food service on Air Canada. Then, CBC Manitoba asked me to do a weekly piece called ‘Levine’s Law.’ Terry McLeod was then the host and every Tuesday morning, he and I would talk about issues of international, national and local concern. I would analyze those issues from legal and ethical standpoints. I loved working with Terry. He was and is a mensch and an excellent interviewer.”
Now retired, in another email Naomi wrote some more about her career:
“After I retired from practice the then dean of the Asper School of Business, Glen Feltham, asked me to develop the Executive MBA program. I also became the Director of the Centre for Higher Education, Research and Development, situated at the University of Manitoba, which trains all presidents, vice-presidents and deans of Canadian colleges and universities.
“I finally retired completely when Arthur decided he wanted to spend four months a year in Palm Desert. I had done some painting, and found a wonderful art studio that I go to four days a week in Palm Desert. And I became a volunteer for the Palm Springs Jewish Film Festival.
“I’ve been fortunate in being able to have a wonderful group of friends in Winnipeg, Nova Scotia and Palm Desert. Arthur had been declining over a period of three years and died, at 96 years, in August 2023. Those three years were very difficult. My life was consumed with trying to keep Arthur alive and engaged. I had no time for anything, or anyone else. My ‘respite’ was my weekly modern Hebrew tutorial through the Rosen School of Hebrew, and occasional trips to Nova Scotia.
(Ed. note: I had asked Naomi to describe in some detail her career, but I was floored when she sent me a list of the boards and committees on which she served while she was in Winnipeg. You can read Naomi’s full resumé at the end of this article.)
But, here’s one paragraph that describes some of Naomi’s eclectic interests – outside of law and volunteering on a host of committees:
“I received an Homorary Doctorate of Laws (LL.D.) from the University of Manitoba in 2019. I was Chair of the Board of the Winnipeg Art Gallery for a number of years. When I’m in Palm Desert I paint and one of my pieces, a portrait of Ariel Sharon, was in the recent Jewish artists show at the Rady JCC. I’m painting a series of Israeli prime ministers.”
“For seven years I represented Manitoba in the National Board of the Confederation Centre for the Arts in Charlottetown, Prince Edward Island.”
As previously noted, Naomi went to Talmud Torah for 10 years, and later she went to Israel during the Six Dar War. She writes that she remains “an avid Zionist. I take a weekly Modern Hebrew tutorial with my tutor from the Rosen School of Hebrew, accredited by the Hebrew University.”
“I have only one cousin in Winnipeg – Sheryl Levine, but she is much younger than I am and we hadn’t been close. That has changed and now we are. Also, my cousin – Marc Levine’s son – Hart and his family , live in Winnipeg. I haven’t been seeing them as often as they or I would like, but that will change too.
But, as Arthur was dying, I found two new friends who are now my ‘family’: Lorne and Paulette Weiss (and their children, Richard and Allison). I have no idea how I would have managed without their kindness, generosity, love and their two border terriers. I have always adored dogs but had none after my malamute died, so ‘Maize’ and ‘Lucie’ are my joy. Paulette and I met through a MahJong class at the Rady, but I had known Lorne years ago. He was, then, an extremely intelligent and very engaging young man and, now, many years later, he is still clever, very funny, analytical and passionate about his family, his friends and his two border terriers. Lorne is one of the most generous people I know with a desire and ability to help others. Paulette has a pure heart; she is intuitive, and loving, and everything she does, is done with style and class. My extremely good luck is in their making me part of their family. Lorne and I were two of six young people who volunteered and were sent to Israel to help in 1967, during the Six Day War. He was then a lovely young man and he has become a lovely older man. And Paulette is pure heart.
“I now divide my time between Winnipeg, Nova Scotia and Palm Desert. My new position, as president of the Atlantic Jewish Council, is a wonderful opportunity to give back to Atlantic Canada, a place that has been so good to me. And, to be able to get involved not only in its Jewish life but in the Canadian Jewish community at large. I suspect that few people of my age have the good fortune to be starting a new and exciting adventure.
“It is my view that many Canadians, particularly Westerners, have no or little familiarity with Atlantic Canada and its Jewish communities.
“The first Canadian city that most Jewish settlers saw was Halifax, when they entered Canada through Pier 21, which operated from 1895-1915. Now, Pier 21 is the repository for all the records of the immigrants who came to Canada, and many Jewish people can track their ancestors’ arrivals through the research room of The Canadian Museum for Immigration in Pier 21, on the Halifax waterfront. Their records go back to around 1865.
“My responsibilities as president of the Atlantic Jewish Council will be to act as the voice of the Atlantic Jewish community, to support and connect them to Israel; to engage Jewish youth through Hillel and its camp (Camp Kadimah); to educate about the Holocaust and human rights; to foster relations with governments and non Jewish organizations; and to support Israel.
“While the Jewish population of Atlantic Canada is small, it is growing. Jewish immigrants, mainly from Israel and Russia are settling there and others are being encouraged to come. The Jewish communities are extremely active and involved in Yidishkeit, the celebration of Jewish life and support of Israel. The synagogues are Orthodox and Reform. As well, Chabad has a large presence, as does Hillel.
“When I was asked to take this position, I was excited about the possibility of making connections between the Atlantic Jewish community and the rest of Canada. My first phone call was to Jeff Lieberman (CEO of the Jewish Federation of Manitoba), and we were both excited about the possibility of joint initiatives.
“I will not be leaving Winnipeg, even as I spend a great deal of time in Atlantic Canada. I am still very involved in organizations in Winnipeg. I remain Chair of the Investments Committee of the Shaarey Zedek, and am a committee member of the Women’s’ Endowment Fund of the Jewish Foundation of Manitoba.
“I remain a passionate Zionist. I feel that, with ever-increasing antisemitism, it is important for Canadian communities to connect with each other and to support each other. “
Naomi encourages Manitobans who have an interest in Jewish Atlantic Canada to contact her. She can be reached at: Nzlevine@icloud.com.
Naomi Levine resumé:
Committee and Discipline Committee
Canada Summit of the Arts, Advocacy Committee
• ⁃ Folk Art Council of Winnipeg, representing the Irish Association of Winnipeg)
Strategy Group Canada (strategic planning in international peace building, conflict prevention and human capital development). Board Member Manitoba Association for Rights and Liberties, Board Member Prairie Public Broadcasting ( North Dakota), Board Member
• ⁃ Winnipeg Humane Society, Board Member
Arbitration and Mediation Institute of Manitoba, Board Member Winnipeg Symphony Orchestra, Board Member
Sport Manitoba,
Consultant
Sport Nova Scotia. Consultant
Denturist Association of Manitoba, Complaints Committee Scouts Canada, Manitoba Council, Honourary Scout
National Association of College and University Attorneys (USA)
• ⁃ Manitoba Arts Council, Board Member
Lawyers and Jurists for Soviet Jewry, Chair, Manitoba Region Irish Association of Manitoba, Member of the Board and Lawyer Manitoba Association of Rights and Liberties Legal Aid Manitoba, Vice Chair
Manitoba Trial Lawyers Association
Manitoba Society of Criminology, Board Member Prairie Theatre Exchange, Board Member Rainbow Stage, Board Member
• ⁃ Winnipeg Jewish Theatre Association, Board Member
Winnipeg Jewish Community Council, Vice President
Features
Author and lifelong nurse Tilda Shalof’s new book a guide not only for young nurses but one that will appeal to a wider readership
By MYRON LOVE Tilda Shalof’s most recent book – “The Handover – a Nurse’s Last Shift” was, in the words of its author, “written for the general public, to understand nursing. Nursing is everyone’s concern, not just nurses. The general public has a stake in the matter,” she observes.
I can guarantee that there are plenty of stories and anecdotes that the author shares from her own experiences that will also be of interest to a wider readership. I certainly enjoyed the book.
The title – “The Handover,” she explains, is the regular exchange between nurses going off their shift and the nurses beginning the next shift, during which the outgoing nurses pass on all relevant information about the patients under their care to the incoming nurses. A recurring thread throughout the book – of close to 400 pages – is the retiring Shalof’s interaction with three student nurses whom she had recently befriended through one of her many speaking engagements. In particular, Shalof gives co-writing credit to one Lisa Mochrie – a nurse who the author acted as mentor to during Mochrie’s last period as a student and continuing through her early nursing career.
There is a tendency for many people to take for granted people I would describe as working in a service capacity such as nursing. One of the reasons that Shalof points out in her book for our ongoing nursing shortages is that young men and women are more likely to be encouraged to pursue a medical career (to be a doctor) than a nurse. This, she points out, despite the fact that hospitals can function without doctors – but not without nurses.
Some other factors, she notes, are the ever increasing demands of documentation – which detract from patient care – and regulations, which have taken much of the satisfaction out of the profession.
In an interview with this writer, she observes that Jewish nurses are few and far between because nursing is not a profession that most Jewish families encourage. (I can only name a handful of Jewish nurses that I have known or have come across.)
She spoke about how she became a nurse early in life to her aged and ailing parents – being the only daughter – (she has three older brothers) and the last of her siblings to leave home. In “The Handover”, she also makes frequent reference to fictional nurse Cherry Ames – the heroine of numerous books written between 1943 and 1968 – as inspiration for Shalof’s choice of career.
For the first 30 years as a nurse, Shalof worked in an intensive care ward at Toronto General Hospital. She subsequently worked for a short time at an HIV clinic and, later a hospital day clinic and a neurosurgery unit. She also spent several summers as a camp nurse at a Jewish camp while her kids were campers there.
“The Handover” is Shalof’s seventh book. Her first book, published in 2004, was “A Nurse’s Story,” chronicling her experiences over 30 years as an ICU nurse. Among her other books are:“Camp Nurse,” recounting anecdotes from her time working summers at her children’ summer camps, and “Opening My Heart” – an account of the profession from the point of view of a patient after she had open heart surgery.
Coincidently, she notes, she began her first book around the time of the SARS outbreak in Toronto in 2003. Shalof says she started writing her latest book at the height of the Covid lockdowns, which she references from time to time in the book. .
The approach Shalof has taken in writing “The Handover” – following a foreword and introduction – is literally an A to Z overview of everything there is to know about nursing – with each chapter focusing on one specific letter of the alphabet. Each chapter relates her thoughts and tells anecdotes from her own nursing experiences over 40 years in the profession, as well as her interactions with Lisa Mochrie and the other two student nurses as they transition from students to professionals.
In her conclusion, she observes that “nursing can be a path to making a difference – having an impact. It can be a front row seat at the theatre of life. Or it can be a job, a way to make a living and help support your family. “
Most importantly, she added, “make sure you try to have some fun. Do everything in your power to enjoy being a nurse”.
Although the now 67-yeear-old author is retired from the practice of nursing, she remains in demand as a speaker and advisor. She continues to get calls from throughout North America seeking her advice.“The Handover” is available from the University of Toronto Press.
Features
Michael Mitchell: His Labour of Love in Law
By GERRY POSNER The Mitchell name in Winnipeg has been around a long time and much of the the name recognition stems from the long connection of the family to a business known as Mitchell Fabrics, a mainstay on Main Street for many years. Established by Mendel Mitchell generations ago and not closed until 2017, many family members, including in-laws, worked there as managers, students and retirees. And yet, the family vocation was not limited to just the business, t it stretched out into the world of law, and more specifically the field of labour Law. One particular Mitchell reached the peak of all aspects of Labour Law. Three Mitchells: Leon, son Grant (a senior management side labour lawyer in Winnipeg), and daughter April Katz (an academic at the University of Victoria Law School), had stellar careers in that field. Yet another Mitchell, Michael, also achieved great acclaim as a labour lawyer. Michael, a product of the south end of Winnipeg, is the son of the late Harry and Gertrude (Sirluck) Mitchell, so he has some impressive genes going for him. But he has added to the story immeasurably.
Perhaps it all began for Michael Mitchell when he graduated from what was the first and only Grade 7 Hebrew school class at Herzlia Academy. He later was Regional Vice-President of AZA in his teenage years. After two years at Joseph Wolinsky Collegiate and two more at Grant Park High School, Mitchell went off to the University of Manitoba for his first year and then on to the University of Toronto, where he obtained a BA in Political Science. Then came law school, also at the University of Toronto, from where he graduated with an LLB in 1975. Along the way, he married the former Lynne Berman ( also from Winnipeg).That union produced three Mitchell daughters, two of whom are physicians – in psychiatry and neurology respectively, while the third is a pioneering pre-school educator. Michael and Lynne also have six grandchildren.
For a large part of his career as a lawyer, Michael Mitchell practiced law in Toronto as a senior partner in the firm of Sack Goldblatt Mitchell – from 1980 through 2014, having joined the firm in 1975 as a student. The firm was committed to the union side practice of Labour and Employment Law. Not so surprisingly, he had to appear at all levels of courts, also administrative tribunals.To his credit, his work and impressive track record was recognized by his peers as he was named a leading labour lawyer in Canadian Lexpert Directory and was frequently recommended in Best Lawyers in Canada. Between 1982- 2006, Mitchell was also the managing partner of the firm, which suggests to me an ability to manage people, not an insignificant skill. During his tenure as the managing partner, the law firm grew from just under ten lawyers to over fifty, with offices in both Toronto and Ottawa. His responsibilities were firm leadership, strategic decision making and financial management.
But, what a career Mitchell has had. For starters, aside from his time as a practicing lawyer in the field of labour law, he has, since his leaving the practice, just changed hats. From 2015 to 2018, he was part time Vice-Chair of the Ontario Labour Relations Board and, from 2018 as of this moment, he has become full time Vice-Chair at the same Ontario Labour Relations Board. Needless to say that, over the course of his administrative work since 2015, Mitchell has been at the centre of some significant decisions and, if you are interested, I can direct you to the selected substantive decisions in which Mitchell has been involved.
Moreover, Mitchell has worked and continues to work in the area of mediation and arbitration of both labour and indeed civil law. This is a large area, to put it mildly. For starters, there is the entire field of grievance arbitration. To be involved in cases of this kind, your name has to be put up by one of the parties and often agreed to by the other party. That means you have credibility with both of the protagonists. Mitchell clearly has that kind of reputation and draws support from both sides of the aisles – as it is referred to in some circles. He has been an arbitrator/ referee in many cases, including the famous 1986-1990 Class Action settlement related to individuals who had contracted Hepatitis C. Further, he has conducted numerous civil mediations related to employment, contracts and human rights matters. Mitchell also mediates and arbitrates collective bargaining disputes.
One of Mitchell’s’ main achievements was that he was invited between 2015-2017 to be a Special Advisor (with capital letters, no less) to the Ontario Minister of Labour with regard to the Changing Workplace Review. This was a landmark review of the Ontario Employment Standards Act and the Labour Relations Act where he, together with Justice John Murray, recommended many legislative changes to protect workers from the negative impacts of precarious employment. The best part of his work was that many of th recommendations were actually adopted. Other recommendations remain for future governments across the country to consider.
If you really want to delve into the Michael Mitchell career, you should know that, over the span of his career there are many publications that he has authored. The main one is his textbook on the Ontario Labour Relations Board, which he co-authored with his early mentor, Jeffrey Sack, and which remains the leading authority on the Ontario Board.
Mitchell comes by his passion for labour law honestly. His uncle, Leon Mitchell, was an iconic force on the union side in his practice of law in Winnipeg and was the inspiration for Michael to enter law to become a labour lawyer in the first place. In fact, it was Leon who introduced Michael to a man in Toronto who recommended Michael to connect with an up and coming labour lawyer in Toronto named Jeffrey Sack K.C. That connection resulted in the Sack Goldblatt Mitchell law firm. As well, Michael was well known to Sid Green during the early years of Sid’s law career, also his early days as a Cabinet Minister in the Schreyer NDP government. Sid was a person who exerted a significant influence on Michael.
With all that on his plate, Mitchell found time to be the president of the Darchei Noam Synagogue in Toronto between 2004-2008. He has also been the president of the Jewish Reconstructionist Federation of North America. During his term, he led the merger negotiations which ultimately resulted in the current structure of that movement ,which is now referred to as Reconstructing Judaism. Its singular aspect is that it consists of a single organization combining congregations plus a Rabbinical School. That was enough to get Mitchell an invitation to attend one of President Obama’s Chanukah parties at the White House during the Obama term. As well, to this day, Mtchell sits as a Director of the New Israel Fund of Canada.
Mitchell has his feet still planted in Winnipeg. His two sisters live there, as well as Lynne’s sister. In fact, he just visited Winnipeg for his sister Ruth Ann’s and Paula’s 85th and 80th birthdays respectively. And to keep up to date, Michael and Lynne Mitchell have long had a subscription to the Jewish Post.
In short, at just under 80, Michael Mitchell is moving like he is eighteen. The longevity of his career may soon rival the longevity of the family business, Mitchell Fabrics.
Features
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.
