business – Jewish Independent

Finding ’n’ riding the WAHVE

Sharon Emek, founder and owner of Work at Home Vintage Experts (WAHVE). (photo from WAHVE)

Sharon Emek’s company, Work at Home Vintage Experts (WAHVE), celebrates its 10th anniversary this year.

WAHVE matches experienced professionals who are transitioning into retirement with businesses that are looking for the professionals’ specific skills and expertise. One of the draws for what WAHVE calls “pretirees” is that the pretiree can work from home. “By removing the requirement that workers be in the office, we break down the walls that confine businesses to a smaller talent pool,” notes the website. “Wherever the best talent is for the job, we help make it happen.”

Company founder Emek was raised in a moderate Chassidic home, but her parents refused her request to pursue a higher education. Nonetheless, she went to university, earned a doctorate and became a professor. Being computer and tech savvy, however, she started consulting for companies that were developing efficiency procedures and protocols. In the early 1980s, she went into business for herself.

When she was consulting for brokers in New York, New Jersey and Connecticut, she said, “The insurance companies began noticing how the work I was doing helped them run a better operation, so they asked if I’d like to start my own insurance brokerage firm. They said, ‘We don’t have any women,’ so I said, ‘Great. I’ll be happy to.’ I’d never actually sold insurance before, but I know a lot of people, so I wrote a business plan.”

Emek’s agency became one of the largest female-owned agencies in the area, before it merged with a larger brokerage firm in 2003.

“The industry began to worry about a potentially huge talent drain to come … everyone was turning grey,” said Emek. “It was a huge boomer industry. Young people hadn’t come into the industry and everyone was concerned at what we were going to do and how we’d get our work done.

“For me,” she said, “for every problem, there’s a solution. The research started to show that the more active you are, the more you engage your brain, and the longer you live.”

Within a few years, smartphones came out and laptops were gaining popularity. A couple of years later, voice systems and video calls became commonplace.

“You can [work] … at home and no one would know that you weren’t in the office, so it occurred to me, why don’t people do that? I bet people want to continue to work, but they don’t want to be in an office any longer,” said Emek. “After 30 years of driving to work, they are ready to retire from the regular office setting … but they’re not ready to retire from work.

“We did a whole survey in the industry of people over 55, asking them about that. All of them said that they love what they do, that they don’t want to stop working – they just don’t want to work in the office. And, also, that they are worried they don’t have enough money for retirement. So, all that came together in my head and I woke up one day and said, ‘Duh!’”

While people were ready to work from home, brokerage firms did not know how to make that a reality, so Emek developed a methodology for qualifying people interested in going this route. Creating a matrix of questions similar to dating sites, but for business purposes, she assessed 50-to-80-year-olds and helped them create a resumé to qualify them for remote positions in the insurance industry.

For the past 10 years, WAHVE has been connecting “vintage” experts with brokerage positions, filling needs on both sides of the spectrum.

Neither side meets in person, she said, so the potential employer has no idea of the applicant’s ethnicity or physical attributes.

“Our clients fill out a whole job request that includes their work culture, their daily functions, etc.,” said Emek. “We created this very sophisticated software and the whole point is to transform how everyone views retirement. These people are ‘un-retiring’ … retiring from the office, not from work. That’s the key.”

While Emek acknowledges that many other industries could benefit from this type of worker, her focus for now is on the insurance and financial services sectors.

“People are still old-fashioned, thinking the only way to supervise is to see you in the office, but they are beginning to understand that they can have a flexible work environment. They also realize that you can’t always find the right talent in your backyard,” she said.

Although many younger people also would love the opportunity to work from home, Emek recommended that they start by working in an office, to gain experience and expertise.

“That’s the problem with millennials,” said Emek. “They want to work from home, but they don’t have institutional knowledge yet. How are they going to learn it unless they work with people? A 25-year-old has to be trained. They don’t yet have the knowledge to work from home.

“My customers will hire my people because they know they are experts with 25 or 30 years of experience. Within two days, they are 100% productive. My people fill a need immediately. And there’s no turnover, they aren’t looking for a promotion – they just want steady work for the rest of their lives.

“WAHVE is more than a placement agency,” she said. “It provides support to clients, insurance and tech support…. In a sense, it provides home office management services, so professionals can do their jobs. I call it the ‘independent contractor model.’”

Emek gave the example of a woman who contacted WAHVE several months ago. In an email of thanks, the woman shared, “I moved to be near my daughter and granddaughter. I’ve been in the business 30 years and I have excellent credentials, but, every time I walk into the office for an interview, they’d see my age and that I have a limp. So, for over a year, almost a year-and-a-half, I could not find a job. I applied on WAHVE and, within a month-and-a-half, I now have a job I love. And nobody knows how old I am or that I have a limp.”

Of this, Emek said, “That’s why, that’s the purpose of WAHVE.”

WAHVE is not yet in Canada, but Emek would like to see it branch out here and beyond. “At this point,” she said, “we are trying to finish penetrating the big insurance companies. Once we do that, we’ll head to Canada – in two years, we hope.”

For more information, visit wahve.com.

Rebeca Kuropatwa is a Winnipeg freelance writer.

Inherent love for business

Ben Silverman (photo from Ben Silverman)

Ben Silverman is the managing director and co-founder of Integral Artists, a talent agency based in Vancouver. He’s also the president of media investment firm Various Things Entertainment and co-founder of James Charles Properties, a real estate development company focused on B.C. holdings. It takes a lot of energy, but Silverman, who was named on Business in Vancouver’s 2019 Forty Under Forty list, has a mind that’s always working.

“Even if I am trying to relax on vacation, my brain doesn’t seem to want to shut off the part which is observing the world around us and processing it in search of new opportunities and/or improvements,” he said. “As a lifelong student of the art of calculated risks and plan execution, I am naturally compelled to the life of an entrepreneur.”

The 39-year-old grew up in a creative environment, enjoying writing and performing.

“Growing up in Richmond, I used to perform in the Prozdor musical theatre productions put on by Joan Cohen at Beth Tikvah,” he recalled. “My entire family would partake – my brothers on stage with me, my dad playing in the live orchestra and my mom helping organize the program. Prozdor was a real contributor to my enjoyment and pursuit of the performing arts.”

While he continued that pursuit, which included obtaining an undergraduate degree in creative writing, his taste for the entrepreneurial was taking shape as well. In 2003, he launched his first formal start-up, Astone Fitness, off the back of an infomercial he produced for a product he trademarked – Ripcords Resistance Bands.

Now, the film and television industry is where he brings his passions together. “Film and TV are commercial art forms which I have always been drawn to as forms of great entertainment and storytelling,” he told the Independent. “There is an inherent overlap and compromise required between the creative and the business side in film and TV.”

This overlap is where he does his best work, he said, harnessing his communication skills and his ability to relate to the needs of his creative clients, as well as his business acumen.

Outside of his work endeavours, Silverman remains active in the Jewish community, and is connected to the Bayit.

“I have tremendous respect for Rabbi Levi Varnai, who is inspiring and doing incredible work galvanizing the community around him and helping people from all walks of life feel like they belong,” Silverman said. “The shul’s [past] president, Mike Sachs, is also one of the hardest working and dedicated individuals I know. Together, their approach is inspiring and makes me feel like my contributions matter, which motivates me to participate however possible, whether financially or with my time.”

Silverman continues to dream big. Last year, Various Things Entertainment acquired feature film distribution company levelFILM, which had seven movies at the 2019 Toronto International Film Festival, including Hope Gap, starring Annette Bening and Bill Nighy, and Ordinary Love, starring Liam Neeson.

As for Integral Artists, which also has offices in Toronto, Silverman said the agency is in “active discussions regarding a further expansion within North America. Our goal is to be the largest talent agency headquartered in Canada.”

Shelley Stein-Wotten is a freelance journalist and comedy writer. She has won awards for her creative non-fiction and screenwriting and enjoys writing about the arts and environmental issues. She is based on Vancouver Island.

Managing our potable water

Seth Siegel’s latest book is Troubled Water: What’s Wrong with What We Drink. (photo from Seth Siegel)

With approximately seven percent of the world’s renewable water resources within Canada’s borders, it would seem that we should have little to worry about when it comes to agriculture and potable needs. But our drinking water is at risk, said Seth Siegel, author of Troubled Water: What’s Wrong with What We Drink.

Siegel has spent the last half-decade studying the quality of drinking water. While his book focuses specifically on U.S. water sources, he said water quality is also a concern for Canadians and he worries that neither country is really prepared to address the threat of contaminants from our technological age: plastics, undetected chemicals and aging, inadequate infrastructure.

All of the issues that Siegel examines in his book regarding U.S. drinking water have been raised in recent years in Canada-based research. In many ways, Siegel’s exposé on the environmental impacts of toxic substances, chemicals and medication in the United States is a mirror into our own environmental dilemmas, as Canada is home to many of the same industries and technological challenges. It’s also home to its own significant problems with water purification in rural indigenous communities.

Lead in drinking water

The Flint, Mich., lead water crisis of 2014 may have faded from newspaper headlines, but researchers are still warning about the levels of lead in American and Canadian drinking water. While we are exposed to lead daily in minuscule amounts from the environment, both countries’ federal governments publish guidelines to stringently limit exposure – because lead is a neurotoxin. In Canada, old (pre-1970s or so) water pipes or solder were made with lead, while more recently made pipes do not contain the substance.

In March 2019, Health Canada tightened the guidelines for lead in potable water from a maximum of .01 micrograms (mcg) per litre to .0005 mcg/litre. The decision coincided with a yearlong investigation by Canadian journalists to determine how prevalent lead was in tap water. Some 300 homes in 11 cities were tested and, as expected, newer homes connected with updated water systems had acceptable readings but neighbourhoods with lead service lines or antiquated interior pipes had excessive lead in tap water. One older home in Whistler produced readings more than 12 times the maximum limit, and some 20 communities in Montreal were found to still have lead service lines.

What often makes things worse, Siegel told the Independent, is that updating service lines and interior water lines aren’t inexpensive undertakings and homeowners, who may not have the expertise to weigh the urgency of those changes, often have to bear the cost of upgrades.

Microplastics and more

Lead isn’t the only health risk homeowners face. Microplastic contamination, which has been traced, in part, to the use of plastic bottles, is a growing concern in Canada, home to a robust bottled water industry. Researchers at McGill University, the University of Toronto and several institutions in the United States are currently undertaking studies to determine the prevalence and effect of microplastics in the environment, including on local marine life.

While the World Health Organization states there isn’t enough evidence to confirm that ingesting microplastics is harmful to humans, Siegel and other researchers disagree. As he details in his book, there is now compelling research to suggest microplastics can actually “disrupt the human body’s hormone-related activity,” especially in children.

Becoming advocates

Still, Siegel cautions that his book isn’t an appeal to simply throw out the technology we use. “None of this is a call to ban plastic,” he said, noting that, “just more than 100 years since its first commercial use, plastic is the dominant material of our times. If one wanted to do so, it would be nearly impossible to go even a day without contact with it in some form.”

The answer, he said, is advocacy: educating ourselves and taking proactive approaches that steer both companies we invest in and the experts that oversee their products’ safety, so that materials are exhaustively tested and verified as safe for dependent, long-term use.

“Because your health and the health of your family rely upon your drinking water being of good quality, it’s important for you to get this right,” said Siegel, who said he hopes the data he has provided will help inspire a “citizen’s movement” to change the way drinking water is tested, approved and protected in the United States and elsewhere.

Troubled Water is Siegel’s second book on drinking water management. His New York Times bestseller, Let There Be Water: Israel’s Solution for a Water Starved World, published in 2015, delved deeply into Israel’s national water management system and the mechanisms that have made the country a sought-after resource on drought management in an era of climate change.

A graduate of the Hebrew University of Jerusalem and a successful entrepreneur and expert in patent law, Siegel said the book’s concept has been licensed in his name, but he is not charging royalties for its use. He said he wants to encourage other countries to use it as a template to inspire environmental change in their communities.

“[Every] country in the world is dealing with the same contaminants,” said Siegel. “They may have a different regulatory regime. Obviously, not everybody has the U.S. [Environmental Protection Agency] … but, whatever the local problems are, they are more similar than different.”

Both of Siegel’s books, as well as other resources, are available through his website, sethmsiegel.com.

Jan Lee’s articles and blog posts have been published in B’nai B’rith Magazine, Voices of Conservative and Masorti Judaism, Times of Israel, as well as a number of business, environmental and travel publications. Her blog can be found at multiculturaljew.polestarpassages.com.

Green Thumb milestone

Breanne Harmon at the 41st Annual Business / Arts Awards. (photo from Business / Arts)

On Nov. 7, Vancouver-based Green Thumb Theatre, in partnership with TELUS, was awarded the Community Impact Award sponsored by KPMG at the 41st Annual Business / Arts Awards Gala, held at Meridian Hall in Toronto. The Business / Arts Awards recognizes and celebrates partnerships between business and the arts, and profiles exceptional volunteers and leaders in the business and arts community who have made a significant impact on the arts in Canada.

Breanne Harmon (née Jackson) is general manager of Green Thumb. She was born and raised in Richmond, and was an avid and active member of both Beth Israel USY and Vancouver Hillel at the University of British Columbia, where she graduated with her bachelor of fine arts in theatre production and design.

Since 1975, Green Thumb Theatre has been a staple in many schools across Canada. Each year, they tour to hundreds of schools and communities, and bring professional productions to students who may otherwise have no exposure to theatre in their communities. For the past 13 years, TELUS has been a committed partner, supporting Green Thumb in creating and executing relatable, educational, artistically excellent and relevant theatre for young audiences. Throughout this partnership, TELUS has supported the development of plays that address important social issues, including bullying, homophobia, drug addiction, respectful relationships and consent.

“By bringing live professional theatre that addresses social issues youth face on a daily basis directly into their schools, we can continue to reach thousands of youth with our programming each year, making a lasting impact on those who see our plays,” said Harmon.

Green Thumb Theatre is the third theatre company – and first theatre for young audiences and touring company – to be awarded the Community Impact Award. This is the first time Green Thumb Theatre has been recognized by Business / Arts.

Constructing age-tech maps

Keren Etkin (photo by Pazit Oz)

Keren Etkin, a 32-year-old Israeli master’s student, has been working on what she calls the Age Tech Market Map. This small but full link library is a place for older adults to find the latest news about technology.

“I am a gerontologist by training and tech enthusiast by nature,” said Etkin, who was born and raised in Israel and currently lives in Tel Aviv. “Gerontology is the study of various aspects of aging and gerontologists are either scientists researching the various aspects of aging or professionals working in the aging business.”

While working on her undergraduate degree in the sciences, Etkin began volunteering with Holocaust survivors, which she found a stark contrast to working in the lab. After graduating, she continued further along this path, finding work in the nonprofit sector. But she soon realized that, without a relevant degree, it would be challenging for her to advance her career, which is why she is currently studying for a master’s in gerontology.

“I work at the intersection of tech and aging, which is a very interesting place to be right now, professionally,” said Etkin. “I also run The Gerontechnologist [thegerontechnologist.com], which allows me to explore different aspects of the age-tech ecosystem and talk to many interesting people who do interesting and impactful work.”

Etkin’s first job in the industry was with Intuition Robotics, where she helped develop and build ElliQ, a friendly sidekick for older adults.

“ElliQ was the first big project I was involved with,” said Etkin. “I was recruited to Intuition Robotics in 2016 as the company’s first employee and only gerontologist. That was a very hands-on project that I feel fortunate to have had the opportunity to work on for several years.

“I know there are other gerontologists out there working in or with start-ups or investing in start-ups, and I think that’s a good thing – to have professionals from the aging industry come work inside the tech industry and help build tech solutions for the aging population.”

ElliQ makes it easier to connect to family, friends and the digital world, and helps users stay active and engaged. With it, people can read and respond to messages, share pictures, get reminders about medications, respond to questions and even receive surprise suggestions throughout the day.

“I think incorporating technology into any field of work is beneficial, specifically when it comes to the aging industry,” said Etkin. “There’s a lot to gain, since it’s very labour intensive. Some of the work currently being done by humans could be done by machines – like paperwork and some physical tasks – hence, freeing up humans to perform tasks that require uniquely human skills, such as empathy, critical thinking and creative problem-solving.”

The biggest hurdle Etkin sees in the industry is that most tech companies do not view older adults as potential users. In her opinion, they are missing out on a huge sector.

“Studies show that older adults are adopting technology more and more,” she said. “Internet use is rising steadily and many older adults own smartphones. From my experience, older adults are willing to use technology as long as they find that it’s useful and brings value to their lives.”

According to Etkin’s website, “The global spending power of people 60+ years old is expected to reach $20 trillion by 2020. Americans over 50 are expected to spend $84 billion annually on tech products by 2030.

“Contrary to common belief, most older adults hold a positive perception of technology. Many are eager to learn new tech skills as long as they find them useful. However, most of them admit they require some assistance in setting up and learning to use new devices.

“A report by the Pew Research Center found that 42% of older adults in the U.S. own smartphones and that 67% use the internet. Baby boomers spend an average of 27 hours a week online.”

Etkin began working on The Gerontechnologist in 2017. At the time, she was just looking for was a snapshot of the ecosystem and she was curious to learn what other people in the field were working on.

“After spending many, many hours doing online research, I came to the conclusion that there was no age-tech market map out there and so I decided to create it myself,” said Etkin. “After publishing it online, I got a lot of feedback and realized that other people were also interested in this. I also realized that I enjoyed creating content about age tech, and it sort of took off from there. The blog today serves anyone who’s interested in tech for older adults.”

This past summer, Etkin started posting podcasts and video series on thegerontechnologist.com, and she plans to keep working on projects that she is passionate about and that she thinks bring value to the world.

Etkin is working on the 2020 Age Tech Market Map. In the process, she will evaluate more than 2,000 service providers and choose the top 200 for the map.

“I would love to hear about Canadian start-ups developing tech for older adults,” said Etkin. “You can reach me through the contact page on my website or message me on LinkedIn and Twitter.”

Rebeca Kuropatwa is a Winnipeg freelance writer.

Glamour of a Leiber handbag

Judith Leiber (photo from Palm Beach Beauté)

Many of us gravitate towards objects that are bright and sparkly. Creating this magic in one handbag is what Judith Leiber, née Peto, accomplished.

Judith Peto was born in Budapest, Hungary, in 1921. Her mother, Helene, from Vienna, was a homemaker and her father, Emil, from Hungary, was a commodities broker. Together with her sister, Eva, the family had a bourgeois lifestyle.

Discovering that their teenaged daughter had a good head for numbers and academics, they sent Judith to London to study chemistry, with the hope that she would acquire a university degree and work in the cosmetics industry. Part of the reason they sent her away to school was a concern about her safety in case of a war. However, the distance from her family proved too difficult for Judith and she soon returned home.

She landed a job at a handbag company and, over the years, her father would bring her an assortment of unique handbags from his many travels around the world, thereby initiating Judith’s collection.

Learning the art of handbag-making from start to finish allowed Judith to become the first woman to join the Hungarian handbag guild; she gained the title of a true craftsman.

Judith and her family escaped and survived the Holocaust due to her father’s large circle of connections. He was fortunate to obtain a Schutzpass, a document that secured the bearer safe passage, giving the family, together with 26 others, access to a house set aside for Swiss citizens, where they could live. They ate what they could, slept on the floor and never left the security of the house.

“People in Budapest and my parents, especially my father, did one thing and then another to keep us safe, or as safe as we could be when everyone wanted to kill us,” Judith told the Jewish Exponent in a 2013 interview.

When Hungary was liberated, the family moved into a basement that was home to 60 survivors. Rebuilding the life they once knew was their goal. During this time, Judith met and fell in love with an American soldier, Gerson Leiber. Against her parents’ wishes, she married him in 1946 and the couple moved to the United States.

The young new immigrant had no intention of staying home and becoming a traditional housewife. With her knowledge and skill in making handbags, she got her first job at Nettie Rosenstein, a fashion designer. Working her way up in the company, she was commissioned to make a handbag to match the inauguration dress of the first lady, Mamie Eisenhower. The bag received high regard and this milestone, after 12 years of hard work, gave her the impetus to start her own brand.

In 1963, she launched her company with her husband and partner by her side, overseeing the business and operational duties. An avid artist himself, a painter, they were an unstoppable duo. In the 7,000-square-foot loft that became their studio, countless creations were brought to life, handbags that epitomized glamour, every piece an original, made with crystals and beads in shapes of animals, fruit and other objects.

A Judith Leiber handbag became a first lady tradition for the inauguration ball. Some A-list Hollywood stars put more thought into their Leiber handbag than their dresses, knowing it would be the focal point of any attire. One handbag could cost anywhere from $3,000 US to $20,000 US.

“That is what people pay for – quality,” Judith told the Exponent.

And quality was what she prided herself on, each bag being made by specialist craftsmen under Judith’s watchful eye in New York.

Her label brought in millions of dollars in sales each year and there was a waiting list for her creations, with women around the world wanting a timeless bag to wear and/or display as part of their home décor.

The company was sold in 1993, with Judith staying on as the head creator. She enjoyed her new life, moving out of New York and settling in East Hampton, N.Y., with her husband, “Gus.”

Over her career, Judith received numerous design awards and had her work exhibited in some of the world’s most renowned museums, including the Smithsonian, the Museum of Modern Art and the Metropolitan Museum, to name only a few.

In addition to being displayed elsewhere, there is the Leiber Collection museum in East Hampton, a project set in motion by Gus.

The Leibers were married for more than 70 years. Their earthly love story endured until 2018, when they died within hours of each other, both of heart attacks.

Ariella Stein is a mother, wife and fashion maven. A Vancouverite, she has lived in both Turkey and Israel for the past 25 years.

Mortgage industry’s future

(photo by Nick Youngson / Alpha Stock Images)

The next decade is going to see an evolution in how Canadians obtain mortgages. These shifts will transform the experience for both the mortgage professional and, more importantly, the borrower. Here’s where things are now and what I foresee.

The mortgage industry

A borrower can go to three sources to get their mortgage: account managers at banks, mortgage specialists at banks and mortgage brokers. (I use “bank” as a catchall for financial institutions, including credit unions and trust companies. Financial planners are not included because they represent such a small slice of the pie and refer files to mortgage specialists.)

Employees, particularly account managers, are a bank’s frontline team for mortgages. These salaried employees get incentives if they hit sales targets, but they are, by definition, jacks-of-all-trades. They help with a client’s routine banking needs, open investment accounts, provide general advice and also write mortgages.

Because mortgages are complex, account managers are encouraged (and often required) to send their mortgage applications to a mortgage specialist. This is good policy, because it is best to have an expert eye review something as significant as an average family’s most significant investment and the average bank’s bread-and-butter. Also, because there have rightly been many – one expert told me there was a total of 168 – new rules since the 2008 financial crisis, it has become increasingly difficult to “dabble” in mortgages.

Given these developments, a consumer would be wise to trust the most important financial transaction in their life to a professional who has expertise in a single field, rather than a generalist who is doing mortgages off the side of their desk.

Of course, every bank employs a network of mortgage specialists, with each bank investing varying amounts of resources into training. Still, a mortgage specialist is just that: a bank employee who specializes in mortgages.

Most banks’ mortgage specialists are commission-based and can make a good living from their work. But remember: bank specialists work for the bank, not for you. (They also don’t require a licence or any accreditation to write up your mortgage application.)

Mortgage brokers are independent professionals whose unique responsibility is finding the ideal financial solution for each client, not whatever rate or product their bank is pushing on any given day.

A mortgage broker is a professional who has successfully completed an educational process, passed an exam and undergone comprehensive assessments, including biannual criminal background checks. Additionally, continuing education is required to ensure that mortgage brokers remain informed of the latest developments in this ever-changing industry. Mortgage professionals at the banks, however well-intentioned or however closely they follow the business pages, have no such requirements.

It is commonly said that a mortgage broker “shops around” for the best rate. This is partly true, but there’s more. Brokers know the rates and conditions of every lender. What we do with that information is tailor each client’s need with rate and product choices, allowing them, with their mortgage broker’s guidance, to make the most informed, appropriate decision for what best suits them.

For example, a broker might recommend a more flexible mortgage product with a slightly higher-than-base rate versus a lower rate with restrictions. This is crucial because, again, everyone’s case is unique. Circumstances change. Relocation is sometimes unavoidable.

Even better: for most mortgages, a mortgage broker’s service is provided at no cost to the borrower. Brokers earn their keep from the lender that finances the borrower’s mortgage.

Where is industry headed?

Account managers at banks will continue to write mortgage applications because this remains an efficient use of the bank’s resources. The banks have been building increasingly sophisticated mortgage application platforms for their mortgage specialists and account managers to use. These easy-to-use apps are straightforward and allow their employees to quickly and efficiently pull together all of the necessary information to verify credit data and employment, assess risk and review the property, all at the click of a few buttons.

The banks built these systems so that employees with less expertise (and lower salaries) can replicate or reduce the work of more highly trained professional staff. And, since mortgage specialists are largely commission-based, it seems to me that banks will increasingly depend on salaried individuals who read from their computer screen while dealing with mortgage-seekers.

The obvious issue with an account manager reading off a screen is that, at any point in time where real advice is required, the bank employee will not have the training or experience to provide it.

There is, of course, still currently a place for bank specialists. The best of them can and do give the best service possible to their clients.

My prediction is that the mortgage specialist role will be curtailed until only a few high producers remain. Banks will probably continue to make it easier for mortgage specialists to do their jobs, allowing them to take on more files and the best will grow and the worst will drop off.

Don’t misunderstand me. There is a place for technology, obviously, in the process. In fact, mortgage brokers, by necessity, are entrepreneurial

and resourceful, and have created economies of scale, processing documentation and applications more efficiently than ever. For instance, my team and I have automated the process of 70-plus internal steps per client throughout the mortgage process, streamlining everything for ourselves so that our clients can benefit from the most comprehensive and individualized experience we can offer. This involved a lot of time up-front, but it means that our clients receive the service they want, tailor-fit to their specific needs.

My prediction for mortgage brokers is that there will be a culling of the herd, just like with mortgage specialists. A broker, and any consultant in this day and age, needs to innovate and use the newest technologies to stay relevant in the eyes of borrowers. Not just that, the brokers themselves need to know each lender’s products and how to get files approved.

Superb knowledge, a fast and efficient process, and amazing customer service will become the bare minimum in the future, and the specialists and brokers who “dabble” or aren’t 100% committed to improving their craft will get left in the dust.

Eitan Pinsky is principal of Pinsky Mortgages, a Vancouver-based mortgage broker.

The future requires chutzpah

Inbal Arieli recently published the book Chutzpah: Why Israel is a Hub of Innovation and Entrepreneurship. (photo by Micha Loubaton)

Inbal Arieli has always been fascinated by what motivates and drives people, as well as what blocks their paths. “Throughout my career, which was mainly as a business executive, I always kept an eye on the human factor,” Arieli told the Independent. “And so, the businesses I started were somehow all related to that.”

Arieli, who is also a lawyer, is the owner and co-chief executive officer of Israeli start-up accelerator Synthesis. The company provides leadership assessment, as well as business training and development, in Israel, Canada and the United States.

“It is about the effect of the most critical skills that I think anyone should have today,” said Arieli about her recently published book Chutzpah: Why Israel is a Hub of Innovation and Entrepreneurship. “These are, according to the World Economic Forum, the skills which are required in the future, for anyone, regardless of your profession or future position. These are basic life skills – of critical thinking, decision-making, taking on initiative, etc., etc. There’s a long list of soft skills. The book is about these skills.

“What’s still interesting to me is, when looking at these skills, thinking about the future – the future of my kids, the future of the entrepreneurs here in Israel, the future of the job market in the world – about how can one practise these skills.

“The book shows the journey of a typical Israeli child from a very young age, as young as 3 or 4, until after military [age], young adult.”

In Chutzpah, Arieli shows how, in the five stages of childhood – infancy, childhood, adolescence, military service and then the big trip after the military – Israeli culture and society have produced principles, a framework and settings to foster these skills.

The book is not about Israel in and of itself. It is designed to help readers develop their own set of skills using the Israeli experience as an analogy.

Chutzpah (audacity), an ingrained trait, is very much nurtured in Israeli kids from a young age, said Arieli.

“From a very young age, chutzpah comes into play everywhere and anywhere,” she said. “Most of those skills, Israeli education and mindset … I think of them like muscles we all possess … only here, in Israel, we have access to the best gyms to practise these muscles.

“When you play at the playground, at age 3 or 4, the fact that you stand for your own opinion and find your own way of using the slide – an example I give in the book – that, in a sense, is a little bit of chutzpah. You don’t necessarily follow guidelines or practices. You bring your own personality [into your decisions and actions] at a very, very young age. So, it starts then, and then it fills up as we grow up here.”

Arieli sees Israeli society as being very open to giving freedom to everyone’s chutzpah – encouraging kids to exercise their chutzpah muscle, to be risk-takers, to stand out from the crowd, encouraging individualism along with a strong sense of collectivism. “Definitely, the framework that exists here, the environment, so many social structures are helping the muscles to remain developed and strong,” she said.

Chutzpah can be viewed as either negative or positive, and can be used in a positive or negative way. In Hebrew, one can differentiate between the two, depending on where the accent is placed. Arieli does not think it is important to differentiate between the two concepts of chutzpah. Rather, she contends that, just like any other muscle, the use of it needs to be calculated.

“Chutzpah is not a button you can press on or off,” she said. “It’s a mindset. In the context of innovation or entrepreneurship, I think it’s a very positive thing. And so are the other skills, ideas or principles spoken about in the book. I think it’s all a matter of finding the right balance between using them or not using them, and when to use them. What’s right for certain stages is less relevant for other stages.

“More than anything, I think it’s the combination of having these skills along with other skills is what’s optimal. But, I also think it’s very challenging to create an innovative society or an innovative team or group of people without allowing them to have a little bit of chutzpah.”

According to Arieli, just teaching kids how to work in today’s job market is a recipe for failure, as we have little knowledge of what work will even look like in their generation. The one and only thing we know for sure is that the future job market is uncertain. As such, the only way to prepare children is to equip them with the ability to be highly innovative and creative thinkers, capable of taking on initiatives by shaking things up and changing things.

“I wish for my kids that they will have as much chutzpah as possible when thinking about their future,” said Arieli. “They’ll have to reinvent themselves during their career several times and I want them to be proactive in that.”

Another trait Arieli talks about in Chutzpah is balagan (mess or chaos).

“Anyone who has visited Israel knows what I’m talking about – be it traffic, on the playground, in restaurants – everything is really chaotic here,” said Arieli. “But, that chaos, balagan, propels us toward new order, allowing us to rise every time from that balagan.”

Another factor Arieli discusses in her book is teamwork and “how Israeli society, while sometimes divided, at its core, has a galvanizing mechanism rooted in survival, through our culture … what we endured as a people and our mandatory army service … all of which unite us like no other nation on earth.”

For more information about Arieli or her book, visit inbalarieli.com.

Rebeca Kuropatwa is a Winnipeg freelance writer.

הרפר : לעשות עסקים בישראל

תל אביב (Eurovan)

ראש ממשלת קנדה לשעבר מנסה לעשות עסקים בישראל – חלק ג’

מכל הלקוחות והפעילויות שאני מעורב בהן, אולי אין דבר טוב יותר מאשר שילוב כמה תחומי עניין שהיו לי. קודם כל הקרבה של הממשלה שלנו לישראל בזמן כהונתי, שנית העניין שלנו בטכנולוגיה וחדשנות – השקענו זמן רב בקידום תוכניות קנדיות ובנוסף, בתחום המסחר חלק מהמשימה שלי בתפקיד הייתה להרחיב את רשת המסחר של קנדה. כך מציין ראש ממשלת קנדה לשעבר, סטיבן הרפר, שביקר בישראל לאחרונה. הוא רואיין לעיתון “גלובס”. כשנכנסתי לתפקיד היו לקנדה רק חמישה הסכמי סחר, אחד מהם עם ישראל, וכשעזבתי את התפקיד כבר היו לנו חמישים ואחד הסכמים. אבל גם ההסכם עם ישראל היה מיושן וכלל רק מגוון צר של סחורות, ולכן עדכנו את ההסכם הזה.

אחד הדברים שהטרידו אותי במהלך הכהונה היה שזרם הסחר, השירותים וההשקעות בין קנדה וישראל עדיין קטן. זאת למרות המאפיינים של הכלכלה הישראלית ובפרט ההובלה הטכנולוגית שלה, ולמרות המאפיינים של הכלכלה הקנדית והעובדה ששתיהן מתקדמות ובשתיהן יש קהילה יהודית גדולה והסכמי סחר. לכן עדכנו את ההסכם למודרני יותר כדי לסייע לתקן את זה. אבל כמובן שגם חיפשנו הזדמנויות כדי להגדיל באמת את הסחר והפעילות העסקית בינינו ובמיוחד לנצל את ההתקדמות של ישראל בתחום הטכנולוגי.

אני רוצה לראות טכנולוגיה ישראלית מגיעה לקנדה ואני רוצה שקנדים ינצלו את הזדמנויות הרווח בתחום הזה. גם בישראל רוצים למצוא הזדמנויות לגדול ולהיכנס לשווקים חדשים בצפון אמריקה. דרך אגב אני חייב לציין שבזמן כהונתי עודדתי שיתוף פעולה צבאי מוגבר עם ישראל – מן הסתם מטעמים של מדיניות חוץ – אבל הדבר בנה הרבה מהגשרים הללו. שיתופי הפעולה היו יותר בצד המודיעיני, וכמובן צוותים שהחליפו ביניהם מידע ושיטות עבודה.

התוצאה הכי טובה שיכולה להיות לכל הדברים האלה היא מערכת שווקים גלובלית שבאמת משולבים זה בזה, והפריה הדדית ברחבי העולם. אם נשאיר בצד את הדמויות הספציפיות, את המדיניות ואת הממשלות, המציאות היא שזהו אזור שבו סביר שיקרה תהליך שברמה מסוימת תהיה התפצלות לשניים.

אנחנו מדברים על התחום הביטחוני, שהוא אינטרס של העולם הסיני והעולם האמריקאי, אבל אנחנו חברות חופשיות ודמוקרטיות ואנחנו יודעים עד כמה הציבור מודאג מעניינים של הפרת פרטיות ושימוש לרעה בדאטה. אפילו בהקשר של הטכנולוגיות המסחריות הקיימות – סין היא מדינת מעקב, וזה לא שהיא לא מציעה מוצרים מסחריים – אבל כל מהלך ההצטיידות של מגזר הטכנולוגיה שלה הוא לכיוון מעקב, במסגרת האינטרס של ביטחון המדינה.

לכן יש בעצם שני מודלים. אנחנו לומדים מהצבא ומהמודיעין ומהיכולות של ביטחון לאומי, ומבצעים התאמה למטרות תאגידיות מסחריות. אלה מטרות הגנתיות באופן טהור, יש להדגיש, אף פעם לא התקפיות, לחלוטין במסגרת החוק ובמסגרת מה שאנו מחשיבים הגנה נורמלית של הפרטיות. אלה שני מודלים שונים וקשה מאוד לשלב ביניהם. אנחנו רוצים לוודא שכל דבר שמפותח ייעשה במסגרת של חברה דמוקרטית וחופשית ובמסגרת של שימוש מסחרי. זה האינטרס של חברות דמוקרטיות וחופשיות כמו קנדה וכמו ישראל.

הרפר ושות’ היא חברה קטנה אך בעלת פעילות גלובלית. אנו עושים עסקים בעולם ואנו עושים עסקים גם בסין, אך אנו עושים זאת בזהירות. זה חשוב שיהיו קשרים כלכליים ומסחריים עם סין, זה טוב לעולם בטווח הארוך. אז אמנם מדובר על קשרים עסקיים, אך כאלה שנעשים למטרות שעולות בקנה אחד עם האינטרס הלאומי הרחב.

עידן השיבוש

ראש ממשלת קנדה לשעבר סטיבן הרפר, 2011. (flickr.com)

ראש ממשלת קנדה לשעבר מנסה לעשות עסקים בישראל – חלק ב’

ראש ממשלת קנדה לשעבר סטיבן הרפר מציע לתת מענה לזרמים שהעלו את טראמפ לשלטון – חוסר הביטחון התעסוקתי והחשש מהגירה – כך שכדי לזכות בבחירות, המפלגה הרפובליקנית לא תהיה תלויה במועמדותו של כוכב טלוויזיה מגלומן. הרפר שביקר לאחרונה בישראל רואיין לעיתון “גלובס”.

הספר שכתבתי לאחרונה הוא בדיוק על כך. אנו חיים בתקופה שנקראת עידן השיבוש. בין אם זה שיבוש טכנולוגי כפי שאנו עושים כאן בקרן ובין אם זה שיבוש פוליטי רחב יותר או שינוי של ערכים חברתיים, ויש הרבה ממה להיות מודאגים, אבל אני מאמין גדול שאנו חיים בזמנים הכי טובים בהיסטוריה ואנו חיים בקנדה ובישראל שהם שניים מהמקומות שהכי טוב לחיות בהם. ועדיין אני חושב שיש כל סיבה להאמין שלמרות הלחצים, הסכנות והסיכונים לילדים שלנו, להם יהיו הרבה יותר אפשרויות וחיים הרבה יותר טובים מאשר שלנו – שהם כבר חיים טובים למדי.

היכן זה נוגע לטכנולוגיה? הרבה אנשים לא יודעים זאת אך לפני זמן רב מאוד הייתי מתכנת. החינוך הפורמלי שלי היה ככלכלן אבל לימדתי את עצמי תכנות. אחד הנושאים שעולים בשיחות על טכנולוגיה זה כל התחזיות על הדברים הנוראים שעלולים לקרות, כולל מיליונים שיאבדו את מקומות עבודתם. ביליתי זמן רב בלימוד ההיסטוריה של הכלכלה והמחשבה הכלכלית. משחר קיומה של המערכת הקפיטליסטית בסוף המאה השמונה עשרה, בכל דור ודור, כמה מהמוחות הטובים ביותר חזו שהגל הבא של הטכנולוגיה יהרוס את האנושות ויגרום לכולם לאבד את עבודתם. דרך אגב, את אחת התחזיות הללו השמיע ג’ון מיינארד קיינס, שסבר בתחילה שהמיתון הוא תוצאה של שינוי טכנולוגי, ואני יכול להמשיך עם הרשימה הזאת. כולם באיזשהו שלב טענו כך.

ההוכחה האנקדוטלית שלי לכל אותם אנשים שמודאגים מאיבוד מקומות העבודה – הביטו על כל תחומי הכלכלה, על כל המקומות בעולם שבהם החדשנות הטכנולוגית נמצאת בחזית – אלה המקומות שבהם מקומות עבודה חדשים נוצרים, ובאופן כמעט בלתי נמנע בכל המקומות הללו נוצר מחסור עצום בעובדים. היכן שאין חדשנות או שקיימת התנגדות לחדשנות – יש אבטלה עצומה. כל האפשרויות שעומדות בפנינו, גם בתחום העבודה אבל גם בתחום איכות החיים, כולן ניצבות לצד החדשנות הטכנולוגית. שם טמון העתיד – לא רק של המסחר אלא גם של הכוחות הדיפלומטיים והצבאיים.

עם זאת, האם קיים תסריט שבו הטכנולוגיה יכולה לגלוש למקומות לא רצויים? בהחלט. אבל אין סיבה שהדבר יקרה בהכרח. אין סיבה שלא להאמין שאם ננהג אפילו חצי בהגיון, אזי לא רק שהגל הבא של הטכנולוגיה יהפוך את חיינו לטובים יותר – אלא שהוא גם ייצור מיליוני מקומות עבודה חדשים שלא היו קיימים קודם לכן. אגב, וורן באפט אמר שזה שטכנולוגיה מצליחה מסחרית, לא אומר שמישהו מרוויח ממנה הרבה כסף. לכן הסיבה שחברתי לאנשים החכמים הללו מהקרן שהיא לא רק שאנחנו רוצים לרכוב על הטרנד, אלא שמשקיעים גם יוכלו לשים כסף בבנק.

הרפר מסביר איך זה משתלב עם עסקיו האחרים: אחרי שעזבתי את הפרלמנט לפני כשלוש שנים, אני וקבוצה מהסגל שלי ניסינו לחשוב מה יהיה הצעד הבא ואילו דברים נרצה לעשות. הייתי בר מזל שרבים מהבכירים שליוו אותי הצטרפו אליי במיזם הזה. מה שהחלטנו שאנו רוצים לעשות זה לשלב את הניסיון שלנו ואת רשת הקשרים הגלובלית כדי לסייע ללקוחות – לאו דווקא קנדיים – למצוא מיזמים רווחיים.