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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. 

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“Jerusalemites” – Photographer Sharon Gabay talks about his new book in a spectacular photo essay

By JOANNE PALMER (reprinted with permission from the New Jersey Jewish News and the Jewish Standard) If every person is a world, as our tradition tells us, then a city is filled with so many worlds that it’s impossible to imagine all those rubbing-together universes.

All the photographs in the story, except of Mr. Gabay, are from his book “Jerusalemites.” They are unnamed, leaving you, the viewer, the chance to see them as you will.

That’s particularly true of Jerusalem, one of the world’s oldest cities, at just about 5,000 years old, give or take; a recent demographic study, done in 2026, estimates its population at around 1,181,760. It has grown remarkably quickly; maybe people are drawn by its ancient, stony beauty, or by the history and other-worldliness that shimmers around it, or by the vibrant, modern cacophony of its diverse residents.

For the last 15 years, Sharon Gabay, a highly successful professional photographer whose bread-and-butter is stunning headshots, party pictures, and portraits of politicians and other social and legal strivers, has wandered through the city, just looking and taking pictures. He’s a 15th-generation Yerushalmi, and although now he lives in the Judean hills, in Moshav Nes Harim, near Ein Kerem and Beit Shemesh, he goes to Jerusalem every week to photograph what he sees.

Sharon Gabay

He’s published six books of photography about Jerusalem. All are both beautiful and emotional. The most recent of them, “Jerusalemites,” is the newest and perhaps the most emotional, created with love, gestated in fear, and now born into a world that perhaps surprisingly radiates with hope.

Okay. What could that possibly mean?

It means that on October 11, 2023, Mr. Gabay went to Kfar Aza. “Everybody who could do anything did something, and I wanted to do something too,” he said. Some kind of response to the barbarism and terror and grief of the Hamas attack. Kfar Aza, one of the southernmost kibbutzim in Israel, was one of the hardest hit. “Because I am a documentary photographer, I asked to join Zaka,” Israel’s emergency response, rescue, and recovery nonprofit organization, “the first time they went in. I went in with them.


“I took pictures. I had two exhibitions using these pictures” — one of them “Holocaust in the Village,” is online — “but it hurt my mind. It was a trauma for me. And I didn’t touch my camera for two years. I just stayed in my studio in Nes Harim, taking psychiatry pills and trying to forget what I saw.

“And during this time I decided to make this book. I sat on it for two years, just learning how to do it effectively.


“There are almost no words in this book. Only pictures. And this is the message: We all live together 99 percent of the time. What the world sees about Jerusalem in the news is what happens maybe three or four percent of the time. All the rest of the time, all 99 percent of the people, other people around the world don’t know about. So I decided to make this book.

“The little text that I do have is in three languages — Hebrew, English, and Arabic. The languages spoken by the people of Jerusalem.”

The small number of Hebrew words in the text are written in a font created from the handwriting of Aner Shapira, who was 22 when he went to the Nova music festival in southern Israel on Simchat Torah — October 7, 2023. He took cover in a shelter with a group of other young Israelis, and he saved many of their lives by throwing seven explosive grenades that Hamas operatives threw into the shelter back out at the terrorists. The eighth exploded in his hand and killed him.

When Aner died, “he left behind a lot of songs that he wrote. They took his handwriting and made a font of it, and I chose to use it for the text.

“He was a Yerushalmi and he loved the city. He wrote about the diversity inside the city, and how you can see everything there. So I decided to put the text in his handwriting as a memorial to him.

When he began to make the book, Mr. Gabay had to look through the enormous archive he’d created. For 15 years he’s roamed the city. His camera is small, old, and unthreatening, a beaten-up Fuji with a visible crack on the case. He takes pictures unobtrusively, he said. He doesn’t ask permission. He just shoots. Usually people don’t even know they’ve been photographed. Sometimes they come across pictures of themselves in his work, and sometimes they email or message him, asking for a copy. Of course, he said, he always sends one.

Culling his vast collection of images was not easy, Mr. Gabay said. Putting it together “made me go out on the streets again.” The vast majority of the photos in the book were taken before October 7, but he took some later, to fill in logical gaps. Even now, with the book finished, he wanders the city’s streets one day every week, camera in hand.

As he prepared the book, he winnowed the vast library of images to 2,000, and from there he whittled it down to 300. For that first cull, “I went through them one by one, me and my cat, hiding from the missiles when they came in, because this is the Middle East. I did it day by day by day by day, until I managed to take it from one and a half million to 2,000.”

The second selection process “was much easier, because by then I knew how I wanted to do it. It is not a random collection of pictures. It is a story, from beginning to end; it is the long story of a city. So there is always a connection from each picture to the picture before and the picture after. But this took a long time.”

“The book turned out to be very successful. I sold all the copies before I launched it. One museum in Israel took 1,000 copies. It got to Herzog”— Israeli President Isaac Herzog —“and Huckabee” — Mike Huckabee is the U.S. ambassador to Israel — “and they both wrote letters about the book.

“Now I am working on the second edition. I want to distribute it to all the Jewish communities and Christian communities and Muslim communities that don’t hate us. There are no politics in this book. It is just people. The background to the pictures is all black because the only light we have in Jerusalem is the people.”

His message, Mr. Gabay said, is that “Jerusalem is not an apartheid city. Everyone lives here.


“I was raised in Jerusalem,” he said. “When we were little, my friends and I went to the Muslim quarter. Nothing happened. Once in a while there’d be some trouble, but most of the time we lived together with no trouble. My family has been here for more than 300 years. I have a picture of my great-great-grandpa in the Old City of Jerusalem. We are connected to the city, all my family is, and we really love it.

“Jerusalem should have tourists the way Vatican City does. People don’t come to Jerusalem.” His attempt to cure that problem is to show the city’s glories on social media. “I have more than 100,000 followers, and they are from all over the world,” he said. “I have Iranian followers and Saudi followers. Suddenly they see the city and they are surprised. They want to come to visit. They all of a sudden see that if they come here, they won’t be arrested because they are Muslim.

“I want to dedicate my work to telling the truth about Jerusalem.”

Mr. Gabay still takes pictures in Jerusalem because “I always go out to see if there is something new, because there is always something new to take pictures of in Jerusalem.”

He also takes pictures of politicians, and that’s a particularly busy area now because of the Israeli election set for October 27. “Today I had a member of the Knesset from Ram, the Muslim party. Mansour Abbas’s party. They want to participate in Israeli politics. They say, ‘We have a life here, and we want to live.’ And on the other side, I did a lot of people from the government we have now. Which, you know, is not the best government we’ve ever had.

“I tell them to their faces what I’m thinking. They know me. They know that I have a big mouth, and that I never, ever lie. So every politician from every side, even the one who was here today, sees the book. And I’ve never had anyone ever say that it’s one-sided or that it doesn’t tell the truth. It’s about all the tribes of Israel.

“I’ve put all my knowledge about Jerusalem and its people in the book, and I try to bring in exactly what happens in real life. I don’t try to stage anything. I am a viewer. I come. I see. I take a picture, and I save it. And people can see what life is like in Jerusalem.


Mr. Gabay also spends a great deal of time doing pro bono work. He takes photos for “At Eye Level,” a nonprofit that works with people with autism. His website showcases much of who he is and what he does; readers can learn more about his book here.

He has a traveling exhibit for the book; the photos can be printed locally so there are no shipping or customs costs, and he often comes to speak in the United States, talking about “Jerusalem and its unique human diversity.

Sharon Gabay and Israel’s President Isaac Herzog hold a copy of Mr. Gabay’s “Jerusalemites.”

“This book, ‘Jerusalemites,’ is about hope,” he said. “It tells people around the world that what you know about Jerusalem isn’t right. We live together, day by day, all of us, everyone. Yes, we have been at war for three years, but Jerusalem is still vibrating.

“Jerusalem is a hope that if you let people just live, they can live together, and they can make it a great city.”


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Winnipeg’s Jewish Community and the Question of Online Casino Bonuses: What Manitoba Players Should Know

Photo by m on Unsplash

A reader wrote in last month asking a simple question: is it legal to play online casino games in Manitoba, and if so, what’s actually a fair deal? It’s the kind of practical, money-conscious question this paper’s readers tend to ask before spending anything, the same instinct that shapes how the community shops, budgets for the High Holidays, or decides which shul renovation appeal to support. Manitoba’s online gambling landscape has changed enough in the last few years that the old assumptions no longer hold, and it’s worth walking through what’s actually there now.



Manitoba’s Online Casino Landscape in 2026



Manitoba doesn’t have an open, competitive online casino market the way Ontario does. Since April 2022, Ontario has allowed private operators to apply for licences and compete for players directly. Manitoba still runs a single-operator model: Manitoba Liquor & Lotteries (MLL), the Crown corporation that also runs the province’s Liquor Marts and lottery products, operates the one legal online casino for Manitoba residents, PlayNow.com. That’s the whole regulated market in this province. Outside that single option, Manitobans who search for online casinos will find dozens of sites willing to take their money and their information, a pattern this paper’s own Local/Canadian News coverage has tracked as provinces across the country adjust their approach to regulated gambling. Some are licensed elsewhere, Malta, Curaçao, the UK, and operate in a legal grey zone for Canadian players; enforcement against them has been inconsistent for years. None of them answers to Manitoba’s regulator, and none of them contributes a dollar back to this province.



How Casino Welcome Bonuses Are Structured and Regulated



A welcome bonus is usually presented as free money: deposit $50, get $50 in bonus funds, sometimes with free spins attached. What matters is the fine print attached to it. Wagering requirements determine how many times you must play through the bonus amount before you can withdraw any winnings; a 30x requirement on a $50 bonus means $1,500 in total wagering before that money is really yours. Game weighting matters too: slots typically count 100% toward that requirement, table games often count 10% or less, which punishes anyone who prefers blackjack over slot spins. Time limits, usually 7 to 30 days, and maximum bet sizes while a bonus is active, round out the list of terms most players skip past.

On PlayNow.com, these terms are published in plain language and reviewed by a provincial Crown corporation with community accountability baked into its mandate, the same mandate that funds Manitoba’s healthcare and education budgets. That’s a meaningfully different relationship than the one an offshore site has with a Manitoba customer.



The Difference Between Licensed Canadian Operators and Offshore Alternatives



This is where the practical stakes are highest. A licensed Canadian platform is subject to specific consumer protections: verified game fairness, dispute resolution through a regulator you can actually reach, and deposit-limit tools that work. An offshore operator answers to a foreign licensing body, if it answers to anyone at all. Winnipeggers who’ve had a withdrawal disputed by an offshore casino know how limited the recourse actually is; there’s no Manitoba office to call and no local regulator with jurisdiction.

Across the country, players comparing regulated options increasingly start by checking a best casino bonus Canada comparison rather than relying on whichever ad appears first. It’s a reasonable way to sort a legitimate Canadian-licensed platform from an offshore look-alike before depositing anything.



Responsible Gambling Resources Available in Manitoba



This part matters more than the bonus terms. MLL runs Informed Gambling, its dedicated responsible-gambling program, which includes deposit and time-limit tools, self-exclusion options, and educational material aimed at helping players recognize when a habit has become a problem before it becomes a crisis. Manitobans concerned about their own gambling, or a family member’s, can call the Manitoba Addictions Helpline, toll-free at 1-855-662-6605, for confidential support. Shared Health, formerly the Addictions Foundation of Manitoba, also provides professional counselling free of charge to anyone who needs it, regardless of ability to pay.

For a community that has always taken care of its own, through the Chesed Shel Emes, through synagogue-run support networks, through the kind of quiet checking-in that happens after a funeral or a hard year, these resources are worth knowing before they’re needed, not after. Chasing a Canadian online casino bonus isn’t worth it if the wagering requirements are already causing strain. That’s a conversation worth having, honestly, inside families and inside the community, before it becomes a private one.



Where to Compare Current Casino Bonus Offers Across Licensed Platforms



None of this is an argument against playing. It’s an argument for playing somewhere accountable, with terms you understand, and for a modest amount you’ve already decided you can afford to lose. Manitoba’s single-operator model makes that comparison simpler than Ontario’s crowded market, but it also means doing the homework on wagering requirements and licensing status matters just as much, if not more, when there’s only one legal option and a long list of unregulated ones competing for the same click. Ask the question before depositing, not after; that’s the same advice this community gives about most things worth being careful with.

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Embracing your femininity in Tishrei

By ELENA KNIGHT Rosh Chodesh Sameach! This month, Tishrei, is a time of beginnings; we observe Rosh Hashanah, Yom Kippur, Sukkot, Shemini Atzeret, and Simchat Torah, we celebrate humanity’s creation, and we celebrate the seventh month since the Exodus from Egypt with shofar and festivities.

Though all Jewish people celebrate the head of the month, traditionally, women are rewarded for not participating in the sin of the Golden Calf, and many women take the day to honour the Shechinah, the feminine mystical aspect of the divine. Literally meaning “dwelling,” the Shechinah relates to G-d’s close and relational presence amongst people, such as in the Temple. In Kabbalah, since the word is grammatically feminine, the Shechinah is seen as the feminine aspect of G-d, representing a nurturing, compassionate presence, an almost motherly form of the divine. But how can we honour the Shechinah specific to Tishrei?

Rosh Hashanah provides a straightforward answer: New Year’s resolutions. A tradition observed across the globe, by people of all traditions and faiths, we can apply the idea to our New Year, and think of ways to improve in the year 5787. Make a resolution to join a women’s group at your synagogue or JCC, support woman-owned businesses (the SHE-Canada directory can help you find them!), read up on feminist theory or history, or mentor a young girl in your community. And, like traditional resolutions, don’t kick yourself if you slip up!

While we listen to the shofar, recall that its sound awakens the soul, mystically preparing us all for the Shechinah’s manifest presence on Yom Kippur, when it comes to earth to bring realignment and forgiveness.

Yom Kippur, the Day of Atonement, also offers a way to embrace your feminine side. On this day, we are prohibited from all work, and physical pleasures; though it may sound counter-intuitive, this is the perfect day to be aware of your womanhood in its most natural state. No adornments, no makeup, no perfume, no fancy shoes, no gold jewelry. This is a day when we can see who we are without the extras, as G-d made us, and be aware of the beauty in our creation as is. Also, for any women who are pregnant, nursing, or otherwise exempt from the holiday restrictions, isn’t it amazing to know that our Creator values our health over all?

Sukkot offers a time to appreciate the bounty that G-d has provided over the past year, but what I want to call attention to is the Four Kinds. The etrog has both taste and aroma, the lulav’s fruit, the date, has taste but no aroma, the hadas has aroma but no taste, and the aravah has no taste nor aroma; at some point in our life, and likely at some point in the month, we are all like one of the Four Kinds. The Midrash drew a comparison between taste and Torah learning and between aroma and good deeds. Sometimes, we have etrog moments, when we have a perfect balance between learning and doing, we are in harmony. Sometimes, we have lulav moments, when we prioritize learning over worldly involvement. Sometimes, we have hadas moments, when we prioritize action over enlightenment. And sometimes, we have aravah moments, when we have no energy for learning nor doing. All of these are necessary for living, and during the month of Tishrei, we can appreciate each of these moments. As we sit in our Sukkah, we are wrapped in the wings of the Shechinah, and experiencing its divine protection as we celebrate the Festival of Ingathering.

Shemini Atzeret begins our prayers for rain, and here’s where I get a little extra mystical. Rain is connected to femininity through its association with the womb of creation, fertility, and gentle power which renews life. In Genesis, G-d creates the world from a formless void, using language which conveys ideas of a cosmic womb, a life-generating space which G-d filled with his purpose to design our world. As humanity was created in G-d’s image, the womb metaphor is solidified. As rain comes, it revives the earth, making it fertile, restoring the feminine principles of creativity, emotional depth, and spiritual renewal in the very land we walk on. Rain comes most often as a gentle power, one which arrives calmly, sustaining all life.

Simchat Torah is the time when we celebrate finishing the annual cycle of reading the entire Torah and beginning again. Here, we are brought back to Rosh Hashanah and its new beginnings, with an added layer of holiness and celebration. On this day, it is tradition to dance and revel in the joy of our peoplehood, our identity, our Jewishness, and, let’s add, our femininity. G-d has given us a remarkable gift by making us women. While we revel in the holiness of Torah, let us also revel in the holiness of womanhood.

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