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The scarcity of water

The scarcity of water

The seawater desalination plant in Ashkelon, Israel. (photo from © VID)

The Consulate General of Israel in Toronto and Western Canada marked World Water Day on March 22 with a webinar entitled “Squeezing Water from a Stone.” Dr. Alex Furman of Technion – Israel Institute of Technology in Haifa and Dr. Roy Brouwer of the University of Waterloo focused on Israeli and Canadian perspectives of water conservation and management.

Furman, director of the Stephen and Nancy Grand Water Research Institute at Technion, provided an overview of water management in Israel, describing how a land that is 60% desert – and uses more than 100% of its water – still has water left for use.

“The issue of water scarcity in the future is going to grow as the population grows and we need more water to feed people and for agriculture,” Furman said.

Israel’s population, which has expanded tenfold in the past 75 years, continues to climb. Further, its Western standard of living, including such things as daily showers, presents a further strain on the country’s water supply.

Israel recognized the need for innovation in this area several decades ago. Starting in the 1980s, it began treating wastewater for reuse in agriculture and, in the 2000s, the country started major desalination projects. Desalinated water now constitutes a large amount of the water consumed in Israel, but is not a completely win-win scenario. For example, a detrimental consequence of desalination is that the process also removes essential minerals, such as magnesium.

Another area where Israel is taking the lead is in water-saving technology, such as drip irrigation. Agricultural use of water in Israel has decreased in the past 30 years, a period over which agricultural production increased.

“Instead of irrigating the land, we irrigate the plant. Drip irrigation is providing water for what the plant needs. It’s not the amount of water that is important but the precision in how water is applied,” Furman said.

Concurrently, Furman added, Israelis are doing more to reduce water usage in the home, and the country has developed educational campaigns to inform its citizenry on ways to minimize water consumption.

“We are a very fast-growing country that requires a lot of water and requires the development of new water resources at all times,” Furman said.

Brouwer, an economics professor with an academic interest in water resources, highlighted the broader need for collective international partnership in looking at solutions for water issues through interdisciplinary cooperation, policy expertise and innovation.

“Water disregards boundaries and so must we,” he said, employing the motto of his department at the University of Waterloo.

The working definitions of water security, as put forward by the United Nations, Brouwer explained, are to have stable, peaceful and reliable access to adequate quantities and acceptable quality water. This, in turn, should sustain livelihoods, human well-being, socioeconomic development, protection from pollution and other water disasters, and preservation of ecosystems.

“From an economic point of view,” he said, “we need water to produce all kinds of things.”

As examples, Brouwer showed how much water is needed for basic clothing items: 10,000 litres of water are used to produce a kilogram of cotton, which, therefore, means 2,500 litres are required to make a 250-gram T-shirt and 8,000 litres for an 800-gram pair of blue jeans. For a morning cup of coffee, the equivalent of 1,000 cups of water are needed – from growing the bean, processing it and transporting it to the consumer.

Pressures on the international water supply are further exacerbated as countries such as China, Brazil and India achieve a higher standard of living and demand more goods like Western clothing and coffee.

“We expect that water stress will continue into the future,” Brouwer said, noting that two billion people in the world currently live in areas where water is scarce, including in the Middle East and in Northern Africa.

Global demand for water is, according to Brouwer, expected to grow one percent per year until 2050. By that time, 45% of global output would come from countries experiencing water scarcity. Tel Aviv, along with Sao Paulo, Cape Town and Karachi, is among the cities in the world most at risk of experiencing water shortages.

In a chart, Brouwer showed the skewed distribution of water usage around the world – from the average American, who uses 156 gallons per day to a French person who uses 76, an Indian at 38 and a Malian at three. Canada is the second-largest consumer of water per capita in the world. The average Israeli consumes 40% less water than their Canadian counterpart.

In his final remarks, Brouwer said the widely held view of water abundance in Canada may be a misperception when water quality and access to clean and safe drinking water are taken into consideration.

He concluded that water has value, but that its price is not reflective of its true value. Attention, he said, should be paid to both increasing water supply and policies that reduce water demand, and that water pricing is one way to raise awareness for essential water services.

Technion Canada partnered with the consulate on the World Water Day initiative.

Sam Margolis has written for the Globe and Mail, the National Post, UPI and MSNBC.

Format ImagePosted on April 22, 2022April 21, 2022Author Sam MargolisCategories WorldTags Alex Furman, Canada, Consulate General of Israel, economics, environment, Israel, research, Roy Brouwer, science, Technion, University of Waterloo, water

Cautiously optimistic

The good diplomatic news keeps coming. Morocco and Israel have announced that they will begin normalizing bilateral relations. This comes on the heels of similar announcements between Israel and the United Arab Emirates, Bahrain and Sudan. There are rumours of more announcements to come.

More than 10% of Israel’s population has family roots in Morocco, adding to the emotional impact of the latest announcement.

In a year that has strained credulity in so many ways – few of them cheery – these diplomatic moves have been a bright spot. Even some longtime international observers and commentators are dumbfounded by the speed of the developments. For decades, the conventional wisdom of Middle East watchers has been that Arab recognition of and peace with Israel rests on a resolution of the Palestinian issue. Bypassing that step is a massive about-face for the countries that have made nice with Israel, and it is galling to the Palestinians and their representatives.

In most cases, the thaw in relations is a de jure recognition of de facto relations that have been in progress for years. Under-the-radar visits and economic ties have existed between Israel and some of these states long before they were officially acknowledged and celebrated. Bringing these relations out in the open was eased by a little self-interest, with a degree of cajoling and likely backroom dealing from the U.S. president and his administration.

The incentives for Arab and Muslim states to warm the cold shoulders they have given Israel include realities of geopolitics – countering the regional designs of Iran and Turkey – as well as the basket of inducements presented by the Americans. For example, the latest announcement – between Morocco and Israel – involves American recognition of Moroccan sovereignty over disputed territories of Western Sahara and American promises of billions of dollars of investments in the Moroccan economy.

Similarly, the American-brokered relationship between Israel and Sudan hinged on Sudan’s removal from the U.S. list of state sponsors of terrorism (contingent on Sudan’s provision of $335 million in compensation for victims of the Sudanese-related terrorist bombings against American interests and citizens).

The UAE and Bahrain agreements also had carrots attached. In exchange for their acquiescence, the UAE may obtain valuable American F-35 fighter jets.

All the states launching fresh relations with Israel open the opportunity for potentially lucrative deals with Israeli businesses and investors. In other words, the diplomatic thaw is not a consequence of a sudden awakening to the benign presence of what has been known by most of these states until recently as the “Zionist entity.” The trading of economic and military incentives – as well as the seemingly nonchalant abrogation of self-determination for the people of Western Sahara – suggest as much self-interest as affection for Israel.

The diplomatic isolation of Israel that began at the moment of its rebirth in 1948 was founded primarily on the rejection of the idea of Jewish self-determination – at least in the Jewish people’s ancient and modern homeland. The opposition to Israel’s existence was not premised on economic or diplomatic reasoning but, to a much greater extent, on anti-Jewish animus.

Israel’s isolation represented an abandonment of self-interest on the part of Arab and Muslim countries. Ghettoizing their own economies from the economic powerhouse of the region has been harmful to all people in the region. None have been harmed more than the Palestinians themselves, who have something to gain materially from good neighbourliness with Israel.

The series of announcements on diplomatic relations are not a result of any altruism. At least in part, they came about through old-fashioned horse-trading, including some morally questionable trade-offs, such as the forgiveness of terrorism and an internationally contentious occupation of a foreign territory, and weapons sales.

After 72 years of nearly universal rejection of Israel by its neighbours, a thaw motivated by self-interest is still a thaw. And it’s something about which to be cautiously optimistic. But it’s only a start, and there is much to be done to build the region into one that’s united in peace. It might be naive, but we still cling to the hope of Isaiah that all those weapons will eventually be exchanged for ploughshares and pruning hooks that, one day, the world over, “nation shall not lift up sword against nation; neither shall they learn war anymore.”

Posted on December 18, 2020December 16, 2020Author The Editorial BoardCategories From the JITags Bahrain, economics, Israel, military, Morocco, peace, politics, Sudan, trade, UAE, United Arab Emirates, United States
Women in labour force

Women in labour force

Pamela Jeffery, founder of the Prosperity Project. (screenshot)

Pamela Jeffery, the driving force behind the Prosperity Project, led an Oct. 7 webinar entitled When Women Succeed, We all Prosper – Don’t Let COVID-19 Hold Us Back, which was part of a National Council of Jewish Women of Canada series on women and justice.

Launched on May 21 of this year, the Prosperity Project hopes to ensure that gains made by women in the workplace and elsewhere are not set back permanently by the pandemic. In July, a Royal Bank of Canada report showed that women’s participation in the labour force had decreased to its lowest level in 30 years. Women, according to RBC, have been disproportionately affected by the overall decline in work hours since March, and this has been exacerbated by the household and childcare responsibilities for which women take on a greater share than men, particularly when children are not learning in school.

“We all know that the women’s movement is unfinished,” said Jeffery. “This is why our leadership is necessary – no matter what our age or our gender. It is up to all of us to ensure that men and women have equal opportunity, which is at the heart of the Prosperity Project.”

She stressed, “There is a clear focus on making sure that the progress made over the last 60 years on gender equality is not rolled back. That is why the Prosperity Project exists.”

Jeffery spoke of three essential themes to advancing the movement: resourcefulness, relationships and risk. “Each of us has the power to bring an idea forward. We can take a calculated risk and draw on our resourcefulness and relationships to make things happen,” she said.

The Prosperity Project has several initiatives it hopes will safeguard the progress by women in the past few decades and propel it further. Among them is a “matching initiative” for nonprofit organizations whose mission is geared towards helping women with training, employment pathways, crisis counseling and mental and physical health. The initiative introduces women and men in the private sector with specific skill sets to the staff and existing boards of these nonprofits for extended volunteer assignments.

Jeffery pointed out the importance of role models and mentors for women. “A good mentor pushes someone outside of their comfort zone. Women are less likely to have mentors than men, which can explain our different career trajectories,” she said.

The Prosperity Project also plans to research and share practical solutions that will provide insights to employers and policy-makers on how to improve gender equality. Furthermore, it will enable women to learn from one another, to increase their employment income and well-being.

Jeffery cited a 2017 study by McKinsey & Co., reporting the overall societal benefits of advancing women’s equality. By addressing this issue, McKinsey found that Canada could “add $150 billion in incremental GDP in 2026 or see a 0.6% increase of annual GDP growth.”

The Prosperity Project also plans to create a modern-day Rosie the Riveter campaign, inspired by the iconic image used in advertising materials to encourage women to do factory work during the Second World War. The modern-day objective is to increase the labour force participation rate of women and, at the same time, encourage partners to share household responsibilities equally and motivate employers to bolster advancement opportunities and achieve gender parity at all levels of an enterprise.

The Prosperity Project has thus far brought on board 62 diverse female leaders from across the country, such as Enterprise Canada chief executive officer Barbara Fox, Sleep Country co-founder Christine Magee and former B.C. premier Christy Clark.

Jeffery’s own biography is one of enterprise, determination and success. An MBA graduate from Western University, in Ontario, she is the founder of the Women’s Executive Network and Canadian Board Diversity Council. She has served on the board of numerous organizations and has been a frequent contributor to the Globe and Mail and National Post.

“I am optimistic about the situation we find ourselves in, in 2020. I remind myself of how far we have come,” she said. “Back in 2003, six percent of FP500 board seats were held by women. Now, it is over 25%. I am confident we are going to be able to work together to make sure that COVID-19 does not bring us back.”

The webinar was serendipitously scheduled for an hour before the American vice-presidential debate between Kamala Harris and Mike Pence.

“We are doing quite a lot, but there is so much more to be done,” Jeffery concluded.

For more information, visit canadianprosperityproject.ca.

Sam Margolis has written for the Globe and Mail, the National Post, UPI and MSNBC.

Format ImagePosted on November 13, 2020November 11, 2020Author Sam MargolisCategories NationalTags business, coronavirus, COVID-19, economics, equality, NCJW, Pamela Jeffery, Prosperity Project, women
NDP proud of their record

NDP proud of their record

Selina Robinson (photo from Selina Robinson)

Premier John Horgan sent Selina Robinson a message: “A mensch is a good thing, right?”

Robinson, the NDP government’s minister of municipal affairs and housing, is seeking reelection in the riding of Coquitlam-Maillardville. She sees herself as the Jewish maven around the cabinet table.

“I said yes, who called you a mensch?” Robinson recalled. “He just wanted to double-check.”

As she and other New Democrats campaign toward the Oct. 24 provincial election, Robinson and fellow cabinet member George Heyman spoke with the Jewish Independent. (In this issue, we also speak with Jewish candidates and spokespeople for other parties.)

As minister of housing, Robinson takes pride in the development of a major initiative called Homes for B.C.: A 30-Point Plan for Housing Affordability in British Columbia. Her ministry engaged with housing groups, renters, developers, economists, local government officials, planners and other thinkers. Then they convened people in a “World Café,” an engagement exercise in which people from different perspectives sit at a table and must come to agreed-upon recommendations on a topic.

“It was from that that we picked the best ideas and so it really came from all sides of the housing sector rather than pitting them against each other,” she said, acknowledging that she had to convince some to buy into the process because bureaucracy is not always amenable to novel approaches.

She cited two particular areas that she wants to “kvell about.” BC Housing, the agency that develops, manages and administers a range of subsidized housing in the province, is building housing on First Nations land.

“The feds, I don’t think, are building a lot of Indigenous housing and they’re supposed to,” she said. “No other province has stepped up to do that.… You’re a British Columbian and you need housing … if it’s land on reserve, it’s land on reserve – we’ll build housing.”

By providing housing in First Nations communities, it also helps people remain at home, rather than moving to the city, where housing is even more expensive and possibly precarious, she said.

“I’m very proud of that,” Robinson said.

The other point of pride is, Robinson admitted, “a geeky piece of legislation.” When she stepped into the role as the government’s lead on housing availability and affordability, she recognized that there is no data on what kind of housing exists and what’s needed.

“Local governments are responsible for land-use planning and deciding what kind of housing goes where – this is going to be multifamily, this is going to be single-family – but, if you were to ask them, how much do you have, how much more multifamily do you need, they couldn’t tell you, because nobody was collecting the data.”

She brought forward legislation that mandated local governments to do a housing needs assessment every five years to identify whether more housing options are needed for different age groups and types of families.

She also cited the government’s development of social housing, through the allocation of $7 billion over 10 years to build 39,000 units. So far, 25,000 units are either open, in construction or going through the municipal development process.

“My biggest worry is that the Liberals [if they are elected] will cancel all of those that are still in the development stage because they did that in 2001 when they formed government,” she said. “We’re so far behind the eight ball because they did that. I’m not saying it would have fixed everything, but, if there were another 5,000 units of housing out there, it wouldn’t be as bad as it is because there would be another 5,000 units.”

Every Friday, Robinson lights Shabbat candles and then shares a reflection on social media about her week.

“Lighting the Shabbat candles just grounds me in my identity,” she said. “I make myself take 10 minutes on a Friday at sundown to stop and to clear my head and to remind myself why I do the work. It’s not for the pay. It’s not for any of that; it’s not worth it. It’s who I am, what are my values and what’s important to me? What did I hear this week that reminds me of why this work is important?”

Robinson admitted she’s being partisan in saying that she believes NDP values are Jewish values.

“From my perspective, taking care of the world – whether it’s the environment, the people and all that’s within it – is our collective responsibility,” she said, adding with a laugh: “I think all Jews are New Democrats who just don’t know it yet.”

* * *

George Heyman, minister of environment and climate change strategy, is seeking reelection in the riding of Vancouver-Fairview. He is a son of Holocaust refugees, who escaped the Nazis with the help of Chiune Sugihara, the Japanese diplomat in Lithuania who illegally issued visas to about 6,000 Jews, many of whose descendants now live in Vancouver.

photo - George Heyman
George Heyman (photo from George Heyman)

In 2019, Heyman took a family trip to Poland, which broadened his awareness of his family’s history and where he met family members he never knew he had. The Independent will run that story in an upcoming issue.

Speaking of his record in government, Heyman expressed pride in bringing in CleanBC, which he calls “a very detailed, independently modeled set of measures to get us to our 2030 target and beyond.”

He also said the government “completely revamped the province’s Environmental Assessment Act, incorporating the principles of the UN Declaration of the Rights of Indigenous Peoples.”

Collaborating with the First Nations Leadership Council, the government adapted the legislation to bring in affected local communities at the beginning of a project, before a proponent spends millions of dollars then has to go back to the drawing board due to local concerns.

“We’ve been investing in clean technology, we’ve approved transit plans that were stalled for years that the mayors of Metro Vancouver thought were critically important,” Heyman added. “We’re going to see the Broadway [SkyTrain] line commence to relieve the tremendous congestion on the Broadway corridor, both on buses and on the roads. And we’ll be working on ultimately being able to work with UBC and the city and the federal government to extend that to UBC.”

The government, he said, updated the Residential Tenancy Act to address tenants who were being threatened with eviction for suspect renovations and that saw people getting notices of rent increases as high as 40% because of loopholes in the act.

“We closed those loopholes, we held rent increases to the cost of living unless there is a legitimate demonstrated need to do renovation and repair and it’s fair to receive some compensation rent to pay for that,” he said.

Like Robinson, Heyman cited the construction of affordable housing, as well as supportive housing, to get homeless people off the street and provide them with services they need. He said the government has created 20,000 childcare spaces in the province “with significant fee reductions for families as we work our way toward a $10-a-day program.” Increased staffing in schools, mandated by a Supreme Court decision during the previous regime, is also an accomplishment, he said, as well as adding more investments in new schools for seismic upgrades, fire safety and heating and ventilation systems.

On the opioid crisis, Heyman acknowledged a surge in deaths since the beginning of the pandemic. “While there is much more to do, we managed to flatten the level of deaths up until COVID hit,” he said.

Also parallel to the pandemic was a realization of “the terrible state of many of our long-term-care homes.”

“We saw that deteriorate under the previous government,” he said. “With COVID, we saw the results of that. We saw people dying because workers were having to go to two or three different care homes, increasing the risk of infection, simply to cobble together a living. We took measures to allow our healthcare workers to work in one institution without suffering the loss of pay and we’re also investing in more beds and more equipment for long-term-care homes.”

New Democrats have been governing in a minority situation with the support of the Green party since 2017. Horgan called the snap election on Sept. 21, facing criticism for breaking fixed election date legislation and going to the polls during a state of emergency.

Format ImagePosted on October 9, 2020October 8, 2020Author Pat JohnsonCategories LocalTags British Columbia, COVID-19, democracy, economics, elections, environment, George Heyman, governance, healthcare, NDP, New Democrats, policy, Selina Robinson
Segal helms Liberal message

Segal helms Liberal message

Rachael Segal is media spokesperson for the BC Liberals. (photo from BC Liberals)

Facing a campaign unlike any other, with shaking hands and kissing babies prohibited by social distancing protocols, all parties needed to reimagine how they would reach voters. Rachael Segal, media spokesperson for the BC Liberals, had to figure out how to get her party’s message to British Columbians.

“We can’t have a media bus, so, as the person responsible for media relations, how I connect with media now is very different than how I would do it in a normal campaign,” she said. “I’d be on the bus, I’d be with the leader.”

Instead, the leader is often driving himself to the modest-sized events that typify the 2020 campaign. Instead of facing a phalanx of TV cameras and radio mics, party leader

Andrew Wilkinson speaks to a pooled camera, with his message then shared among the media consortium. It’s an experience all parties are dealing with. But the leaders, as well as candidates in 87 ridings across the province, still have to communicate their positions.

“Obviously, Andrew still needs to get out there and get his message out there,” said Segal. “We’re making announcements daily, just like we would on a campaign normally, they’re just different.”

Wilkinson, a medical doctor as well as a lawyer, is particularly sensitive to the health risks and safety of his team, Segal said.

Segal, who grew up in Kerrisdale, is the official campaign spokesperson for the party during the election and is second-in-command at party headquarters when in non-campaign mode. As senior director of the party, her role is a loosely defined collection of responsibilities that she describes as “basically whatever hole is there, I try and fix it.”

One of her primary responsibilities is stakeholder relations, which means meeting with particular community groups and connecting them with the leader and other members of the legislature.

“Andrew and I have done Shabbat dinners, we’ve done Rosh Hashanah meals, we’ve done tons of Jewish community events,” Segal said by way of example. She also hosts the party’s podcast and started a young professional women’s group “to try to engage the 30-to-50-year-old women demographic, which is the largest swing demographic in British Columbia.”

Segal came to the role in April 2019. She already had a long resumé in education, politics and media.

She attended Vancouver Talmud Torah elementary and Magee high school and received her undergraduate degree at the University of Victoria, where she was the first president of the Jewish student organization when Hillel House opened there. She served as national president of the Canadian Federation of Jewish Students before graduating from UVic in 2005. She then went to the University of Leicester, in the United Kingdom, for a law degree, followed by a master of laws from Osgoode Hall, in Toronto.

She worked on Parliament Hill for Conservative MPs David Sweet and Scott Reid, as well as Senator Linda Frum, and was a senior policy advisor overseeing corrections and the parole board for then-minister of public safety Steven Blaney.

While studying in Toronto, Segal worked full time as an on-air legal and policy correspondent for Sun News, until that network shut down. She worked in criminal law and then civil litigation for a time but found it not her speed and returned to media, joining Toronto’s Bell Media radio station News Talk 1010. She returned to Vancouver in 2018 and covered as maternity leave replacement for the B.C. regional director of the Canadian Jewish Political Affairs Committee. She joined the BC Liberal party staff three days after that position ended.

“This election is really about who British Columbians can trust to lead them through economic recovery,” said Segal. “When we think about the ballot question, that’s really what British Columbians are voting on. Who do they trust to lead them through the next stage of this pandemic from an economic perspective? We have an incredible team who are all very experienced. We have former ministers, we have doctors, we have lawyers, we have just a really diverse and interesting team of very smart people.”

Given significant turnover – seven cabinet ministers have opted not to seek reelection – Segal questioned who would be on the frontbenches of a reelected NDP government.

“The question is, what does an NDP cabinet look like in the next government and do they have the bench strength to be the best party to lead this province economically?” she said.

Segal takes seriously her position as one of the few Jewish individuals on the campaign team.

“It’s a real privilege to be able to represent the community within this political sphere and it’s something I take very not lightly,” she said.

Of her job on the campaign and her slightly less hectic role the rest of the time, she added: “My job is pretty different, wild, fun. Every day is a new adventure. It’s pretty great. And we have such an incredible team, so they make it all even better.”

Format ImagePosted on October 9, 2020October 8, 2020Author Pat JohnsonCategories LocalTags British Columbia, COVID-19, democracy, economics, elections, environment, governance, healthcare, Liberals, policy, politics, Rachael Segal
Green Jews front and centre

Green Jews front and centre

Maayan Kreitzman (photo from Maayan Kreitzman)

Maayan Kreitzman said the Green party knew it was getting the “full package” when they tapped her as their candidate in the provincial election for the riding of Vancouver-False Creek. There are schisms in the environmental movement between those who see value in direct action protests and those who endorse electoral politics. Kreitzman backs both.

Kreitzman is a leading member of the Vancouver chapter of Extinction Rebellion, a global movement that practises civil disobedience to draw attention to the climate and ecological crisis, she said, based on “a theory of change that learns from many movements in the past that have basically put their bodies in the way of injustice.” She cited as models the U.S. civil rights movement, the Indian independence movement and the suffragists.

The group shut down the Burrard Street Bridge last year and is currently involved, with other groups, in a camp in Burnaby that is physically blocking the construction of the TMX pipeline.

But Kreitzman has harsh words for the environmental movement and its limited impacts.

“The environmental movement over the last 30 years has won some battles but we’re obviously losing the war because the climate and ecological catastrophe continues unabated essentially,” she said.

While she believes in blockades, she also believes in ballots.

“I definitely believe in both,” she said. “I think when the Green party chose me as a candidate they knew that they were getting the full package. They were getting somebody who believes in direct action, who believes in doing things that are illegal when they are ethical and the right thing to do. There are other people in the Green party that believe that, too. [Former federal Green leader] Elizabeth May got arrested on Burnaby Mountain in 2018. I’m certainly not alone in that.”

Beyond the shortcomings of the environmental movement, she excoriated the political system’s status quo.

“It’s utterly failing. It’s not fit for purpose. It has not delivered the systemic changes to our economy that we need to see in order to actually have a sustainable life and future on this planet,” she said.

Above a range of policy topics she champions, Kreitzman wants to create a citizens’ assembly on climate and ecological justice – this parliament of ordinary people selected to reflect demography “would devolve power from elected government to a more representative and radically democratic form of government.”

“Citizens’ assemblies go through a very rigorous and well-facilitated deliberative process where they have access to experts and all the best information and then they are empowered to make either decisions or recommendations, depending how their terms of reference are set up,” she explained. “The citizens’ assemblies are able to make way better, faster and more radical decisions on issues that are totally intractable for elected politicians because elected politicians operate on such short cycles and they have such perverse incentives. It’s very hard and we’ve seen how totally incapable elected politicians around the world are of making the kinds of decisions that we need in order to survive on this planet.”

Kreitzman has been thrown into politics mere days after completion of her PhD in resources, environment and sustainability at the University of British Columbia. Her research specialized in sustainable agricultural systems and, more specifically, perennial agriculture.

She was born in Vancouver to a Canadian father and an Israeli-Canadian mother, attended Vancouver Talmud Torah and Eric Hamber high school and was active in Hillel at UBC, as well as in the Graduate Students Society.

She wants to win the election – but winning isn’t everything.

“This race is not just about that,” she said. “It’s also about telling the truth and just giving a platform to a sustainability scientist, a youngish person and somebody who is willing to talk very openly about the failures of our current government systems. Not just our current government and the NDP, but our current government system and their lack of democracy, and the failures of the environmental movement itself, because neither have been effective and so far nothing has really been effective.”

While she is critical of government generally, she has harsh words for the NDP government particularly.

“This government’s record on the environment has been a total loss, it’s a complete failure,” Kreitzman said. “They’ve embraced the oil and gas industry even more than the BC Liberals have and I never thought I would say those words, that the NDP government has actually been worse for climate change and the environment than the BC Liberals have been. It’s shocking, but it’s true.”

She referenced a report from Stand.Earth, which outlines subsidies to fracking and indicates that the oil and gas industry receives four times as much in provincial government subsidies than it produces in royalties to the province.

As the candidate in Vancouver-False Creek, she is sounding the alarm that sea-level rise will make parts of the most densely populated neighbourhoods of Vancouver uninhabitable.

* * *

Kreitzman’s colleague Scott Bernstein is running for the Greens in Vancouver-Kingsway. He sees it as an ideal opportunity to contrast NDP policy with his ideas because he is facing off against Adrian Dix, the minister of health.

photo - Scott Bernstein
Scott Bernstein (photo from Scott Bernstein)

Bernstein is director of policy at the Canadian Drug Policy Coalition, which is based in the faculty of health sciences at Simon Fraser University. While he has a graduate degree in environmental studies, his career has shifted to drug policy. He was a junior co-counsel on the landmark 2011 Insite case at the Supreme Court of Canada, which found that the federal government’s failure to grant an exemption allowing users to consume illicit drugs at the Vancouver safe consumption site breached the Charter of Rights because it undermined the “maintenance and promotion of public health and safety.”

He also worked at Pivot Legal Society in the Downtown Eastside and operated a private practice for a time as well, before coming to the drug coalition about three-and-a-half years ago. He has worked for George Soros’ Open Society Foundations, in New York, focusing on drug policy at the UN level and in Africa, and he spent two years with the U.S. Peace Corps in Uzbekistan.

The record-breaking recent months of opioid deaths contrasts, Bernstein said, with the response to COVID.

“There are a lot of structural problems with how the government is dealing with the overdose crisis and it really was highlighted when we had another public health crisis and, all of a sudden, we saw how the government could sort of snap to attention, dedicate funding, have information flow, have protocols and guidelines and resources available to address COVID where, in reality, the overdose crisis is now in the fifth year since it was declared a public health emergency in B.C. and we’ve never seen the response that we saw with COVID, that materialized in a few weeks,” he said. He credited retiring Minister of Mental Health and Addictions Judy Darcy as “a wonderful and caring person,” but added: “they also didn’t give her sufficient resources to deal with the problem and she doesn’t have a lot of power in the cabinet.”

* * *

Ian Goldman, the Green candidate in Vancouver-Fairview, grew up in Toronto and moved west in 1988 to attend law school at UBC. He later did a master’s in international relations, also at UBC, and has practised immigration law in private practice since 1998.

photo - Ian Goldman
Ian Goldman (photo from Ian Goldman)

The first-time candidate is up against George Heyman, the NDP minister of environment and climate change strategy.

“It’s unfortunate that, in my area, the NDP have really strong support in the sense that he’s not really feeling pressure, I don’t think,” Goldman said. “Hopefully, I can make him feel some pressure. That’s the most important thing for me.”

The New Democrats have taken climate change more seriously than previous Liberal governments, he said, “But I think they’re more of a status quo party. They say they’re taking it seriously but then their actions show them out to be more status quo, no serious climate action, really.”

COVID is a serious issue, he said, but it has allowed governments at all levels to push environmental issues and climate change to the back burner, he argued.

“As soon as the pandemic’s over, people will wake up and say, oh my God, we’ve got a really serious issue here again,” said Goldman. “That’s why I joined the Green party. I’ve always been interested in environmental issues. My kids and I and my wife go for a lot of outdoor trips, we go hiking, a lot of outdoor activities we do together. That’s where my interest in the environment comes from.”

He added: “If people are really serious about tackling this issue, they should at least consider the Green party.”

* * *

photo - Michael Barkusky
Michael Barkusky (photo from Michael Barkusky)

Michael Barkusky, an economist and certified public accountant, is in a rematch with Andrew Wilkinson, now the leader of the Liberal party, in the riding of Vancouver-Quilchena. He acknowledged it’s an uphill battle in the Liberal stronghold.

“What I’m trying to do is strengthen the Green party in general,” he said. But it is also an opportunity to press the party leader on environmental issues.

“I think the BC Liberals need to improve their green credentials substantially to be relevant in the long term,” said Barkusky, who came to Canada from South Africa in 1980. (More about his background and career is in our story from the last election, at jewishindependent.ca/apartheid-impacted-views.) He said former premier Gordon Campbell was innovative on a range of policies, including the carbon tax. He said Campbell’s successor, Christy Clark, backtracked on Campbell’s environmental policies.

The Liberal party is, Barkusky said, a “broad church with some very conservative elements and [Wilkinson] probably can’t do a lot of things that he would do if he had a completely free hand. I think the pressure needs to be kept up on them as much as it has to be kept up on the NDP.”

As he campaigns, Barkusky said, voters tell him they think the NDP ran a good government in part because of the Green party’s influence.

“And now they [the NDP] are trying to say they’ll do a better job without us,” he said. “I can’t buy that.… Quite a lot of voters in the riding agree with me. They feel that we had good government in the last three years and they credit the Green party with being an element of it being good.”

While he disagrees with the Liberals’ promise to eliminate the provincial sales tax for a year, he said changing it could be justifiable. Reducing it from seven percent on most items, or changing the number of items it covers, is a discussion worth considering, he said. But he sees the promise as akin to the NDP’s promise in the last election to eliminate tolls on bridges.

“It’s just kind of instant popularity,” he said. “A relatively bad policy that will resonate well with a certain constituency.”

Barkusky finds it interesting that there are four Green candidates in Vancouver who are Jewish, and noted that the federal Green party just elected a Jewish woman to lead it.

“That’s a lot of tikkun olam consciousness,” he said.

***

Note: This article has been amended to reflect that Maayan Kreitzman is a leading member of the Vancouver chapter of Extinction Rebellion, not of the British Columbia chapter, as originally stated.

Format ImagePosted on October 9, 2020October 9, 2020Author Pat JohnsonCategories LocalTags COVID-19, democracy, economics, elections, environment, Greens, healthcare, Ian Goldman, Maayan Kreitzman, Michael Barkusky, politics, Scott Bernstein
The road to recovery

The road to recovery

Risa Levine, chair of Jewish Federation of Greater Vancouver’s Community Recovery Task Force. (photo from Jewish Federation)

The Jewish community and its agencies have been dramatically affected by the COVID pandemic and its economic implications. But not a single agency has folded – and not a single employee has lost their job – in part because of the coordinated efforts of the Jewish Federation of Greater Vancouver.

That is the assessment of Risa Levine, who is chairing Federation’s Community Recovery Task Force. Levine, a retired justice who served on the Supreme Court of British Columbia and the B.C. Court of Appeal, was chosen to lead the major initiative, which will address the impacts of the pandemic on community agencies and help guide a possible rethinking of how programs and services might be delivered more efficiently or effectively in future.

The resilience of Jewish agencies stands in stark contrast to a much bleaker climate for nonprofit agencies in the general community. Among the many individuals and agencies the task force has heard from is Alison Brewin, executive director of Vantage Point, a resource agency for nonprofits in the province. “Alison told us that they expect about 25% of the nonprofits in British Columbia not to make it, to shut down,” said Levine. “Some already have and they expect that many of them won’t continue to operate.”

One of the things that Federation did almost immediately at the beginning of the emergency was intervene with a disbursement of emergency funds – $505,000, plus additional tranches released by individuals and families through their respective funds at the community foundation. In addition to this season’s annual campaign, canvassers are asking donors, if they are able, to make an additional contribution to the COVID emergency fund.

Levine was asked by Alex Cristall, chair of the board of the Jewish Federation of Greater Vancouver, to head the task force.

“I was on the allocations committee for Federation for 10 years, so that’s really directly related to what I’m doing now,” she said. “I had time and I think it’s crucial work to be done for our community, so I was honoured to be asked.”

Other task force members are Andrew Altow, Jill Diamond, Michelle Gerber, Hodie Kahn, Candace Kwinter, Shawn Lewis, David Porte, Justin L. Segal and Isaac Thau.

As well as confronting immediate needs of agencies, the task force presents an opportunity to consider the future more comprehensively, said Levine.

“The task force is taking a longer-term, holistic, strategic approach to look at how the community might look or how we think it should look coming out of this,” she said. The team is uniquely qualified to confront the challenges because of the diverse identities and experiences of the people on the task force, she said.

Task force members, collaborating with staff members Marcie Flom, executive director of the Jewish Community Foundation of Greater Vancouver, and Shelley Rivkin, Federation’s vice-president, planning, allocations and community affairs, are reaching out to all community partner agencies.

The crucial initial step is to determine how each agency has been impacted by COVID, what their immediate needs are, and what their requirements are likely to be for them to survive and continue their work.

“It’s just amazing and very impressive how resilient and responsive the agencies have been,” Levine said. “They are affected in different ways, depending on what their function is in the community and what they are doing.”

Jewish Family Services is on the very frontline, she said, addressing food security and housing for the most vulnerable in the community. They have expanded beyond their food bank to provision of meals, and providing delivery, which they did not do before.

“They are providing financial support for people, mental health support and so on,” said Levine. “Their client load has doubled, at least, since March and they’ve had to add to their staff and they are all working remotely. It’s been huge. And they’ve been amazing in terms of what they have been able to do.”

Synagogues have also stepped up in preparing and delivering meals to congregants, especially seniors and others who are particularly vulnerable and lack mobility because of transportation challenges and the reduced accessibility to routine services, she said.

She cited the Jewish Community Centre of Greater Vancouver’s nearly instant transition to online delivery of services. Smaller agencies, however, face greater challenges because they may not have the hardware, software and institutional capacity to make that kind of technological shift. Helping those agencies adapt to the technological and parallel needs was one of the priorities addressed at the outset, Levine said.

As the emergency campaign unfolds, the task force will continue assessing the situation.

“Ultimately,” said Levine, “the task force will be making recommendations for distribution of those monies, the Community Recovery Fund, and that will be based on the information we are gathering now about what the needs are and our assessment of how those funds can be strategically distributed to meet the needs of the community as they have changed and evolved through this crisis.”

Format ImagePosted on October 9, 2020October 8, 2020Author Pat JohnsonCategories LocalTags annual campaign, Community Recovery Task Force, coronavirus, COVID-19, economics, Jewish Federation, philanthropy, Risa Levine
Fighting for women’s equality

Fighting for women’s equality

Linda Silver Dranoff kicked off the four-part National Council of Jewish Women of Canada Women and Justice speaker series on Sept. 23. (screenshot)

National Council of Jewish Women of Canada started its four-part Women and Justice Speaker Series on Sept. 23 with retired family law lawyer Linda Silver Dranoff, who lives in Toronto.

The online setting allowed NCJWC members from across the country to be involved. The talk was opened by national president Debbie Wasserman, in Toronto, and closed by co-vice-president Debby Altow, in Vancouver; the question-and-answer period was handled by a committee chair, Bianca Krimberg, in Calgary.

Silver Dranoff’s talk was sobering, explaining how women in Canada have been defined by their subordinate role in the family, in relation to a man. She gave examples of laws that have reinforced this status, but also offered possible solutions, as legal reform has been an important part of her career. Among the books she has written is a memoir, called Fairly Equal: Lawyering the Feminist Revolution.

“Throughout human history, women were unprotected and vulnerable. Husbands controlled the purse strings, all property, any pension and the children,” she said. “A woman did not even own her own clothing, which was called ‘the wife’s paraphernalia.’ Women and children were property, not people. Once a woman was married, she was stuck, even if her husband beat or starved her. What we call domestic violence was considered, until very recently in human history, a private family matter that the state and the community did not get involved in.

“There was no divorce law in Canada until 1968,” she continued. “If a woman was guilty of marital misconduct, such as adultery, she could lose her right to have custody of her children and often even access to visit with them.”

Silver Dranoff became a lawyer in family law in 1974. At the time, she witnessed women staying in abusive marriages because they had little choice – if they left, they could become destitute and lose their children, too. “Marital misconduct ended any right to financial support, even if it happened after separation and divorce,” she said, explaining that settlement agreements often included a dum casta clause, a “while chaste” clause.

If a woman left her abusive husband, she said, anyone helping or harbouring her could be charged as a criminal. “This was an offence in our criminal law until the 1970s – that’s how recently it was. The law permitted a man to disinherit his wife and leave her destitute, no matter how long they’d been married and even if she was the model of a perfect wife.

“The husband controlled the wife’s reproduction. Contraception and abortion were criminal offences. A husband and wife were considered one person in law – the husband. This concept of the legal unity of husband and wife is what allowed a man to control his wife in every respect.” Until 1983, a husband could legally rape his wife – “marriage was considered consent to conjugal relations,” explained Silver Dranoff, who stressed that, of course, many men didn’t take advantage of their power – “but those who did could do so with impunity” and with legal sanction.

In addition to these restrictions, married women were discouraged from working outside the home. “In 1941,” said Silver Dranoff, “fewer than four percent of married women were employed. It wasn’t until 1955 that married women were eligible to be employed in the federal civil service. In any event, there was almost no publicly supported childcare – this actively discouraged women from employment. Even if women worked, usually out of necessity, there were no laws protecting them from discrimination in employment.” This meant that women could legally be paid less, disregarded for promotion consideration and fired if a man needed a job. “There was no law against sexual harassment in the workplace; it didn’t even exist until the early 1980s in law.”

In the public arena, said Silver Dranoff, “women were invisible.” While most women have had the right to vote since 1918 – a right won by the efforts of the first-wave women’s movement – government policy usually overlooked issues of concern to women. “Only five women were elected to Parliament before 1950,” she said. “It wasn’t until 1957 that the first woman ever was appointed as a federal cabinet minister. And a woman lawyer was a rarity – in 1951, there were 197 women lawyers in all of Canada out of a total of 9,000.”

This was the world in which Silver Dranoff grew up, and it energized and impelled her to action, as it did others. “I believe the most significant transformation allowing women a less dependent role in society came about when women could control our reproductive powers,” she said. “The birth control pill was developed in 1961. While contraception and abortion were still criminal offences, the pill gradually became publicly available in the 1960s, and that is when the second-wave women’s movement began.”

Women’s groups proliferated in the 1970s and 1980s. “The National Action Committee on the Status of Women comprised most of the major women’s organizations of the day, totalling, at its height, 700 women’s organizations that all gathered together to promote the rights of women with one voice.”

Silver Dranoff went to law school in 1969. She was a single parent with a 2-year-old and had been out of school for eight years. “Other women were also seeing a life outside the family as a possibility,” she said. “In my law school class, there were 14 women out of 300; we were five percent of the class. Had I attended eight years earlier, when I graduated from history, I would have been the only woman in a law school class in Toronto.”

With more women lawyers, there was more pressure for change and Silver Dranoff spoke about some of the advances that have been made in family law reform, Charter equality rights, abortion, violence against women, childcare, pay equity, and representation and power.

When Silver Dranoff came to the bar in 1974, women had no right to share property accumulated during a marriage, and spousal and child support amounts were “paltry and difficult to enforce.” By the 1980s across Canada, improvements had been made both in multiple laws and in their enforcement. “These changes enabled women to leave bad marriages and live independently,” she said.

However, there is more to be done. Husbands and their lawyers still “use the legal system and its processes and delays as a club to intimidate women.” As well, she added, “It is often too expensive to seek the rights which the law gives, and legal aid is severely underfunded.” Another problem is that mediation and arbitration are replacing the courts in some cases and, “as a result, women may be encouraged to make a deal that doesn’t give them the benefit of the laws we fought long and hard for.”

When the Canadian Constitution was repatriated from Great Britain in 1982, a new Charter of Rights and Freedoms was enacted. Women’s groups lobbied the government of the day, led by then-prime minister Pierre Trudeau, “to include constitutionally entrenched equality rights in the Charter – by the way, a right that American women still don’t have. Our women lawyers provided the wording to protect us, using the lessons taught by the ineffective Bill of Rights passed in the 1950s.”

One of those lessons was the need to make sure the rights were actually protected. “We had to lobby, we had to organize, we had to participate in court cases that would affect our equality rights. So, we founded the Women’s Legal and Educational Action Fund, known as LEAF, in 1985, when equality rights came into effect, to try and ensure that court interpretations of the Charter did not erode, but enhanced and ensured women’s equality rights.”

In the late 1960s, Trudeau, as justice minister under then-prime minister Lester B. Pearson, brought in amendments to the Criminal Code that permitted abortion under defined conditions. The amendments did not legalize abortion, but said the prohibition would not operate if a medical committee deemed a pregnant woman’s life to be in danger if she carried to term. This law did not work, said Silver Dranoff. Among other things, there was inconsistency among hospital abortion committees in rulings and there were no guidelines on what constituted endangerment.

“Dr. Henry Morgentaler became women’s champion,” she said. “He opened a clinic in Montreal and women traveled there from across Canada to be assured of getting and having a safe abortion.”

Morgentaler challenged the medical committee law, she said, and his goal was to get abortion removed as an offence under the Criminal Code; he also challenged provincial laws. “The main challenge was decided in 1988 by the Supreme Court of Canada,” said Silver Dranoff, “which agreed with defence counsel’s constitutional argument that the abortion provisions of the Criminal Code breached the rights of Section 7 of the Charter to life, liberty and security of the person and, therefore, was unconstitutional.”

There is no longer any federal law preventing or criminalizing abortion, or requiring anyone’s consent to the procedure other than that of the pregnant woman. There have been challenges to the change, though, including the federal government under then-prime minister Brian Mulroney, which tried twice – unsuccessfully – to form an anti-abortion law that wouldn’t violate the Charter.

“This shows how important it is to keep vigilant and organized and focused,” said Silver Dranoff. “There’s no such thing as a permanent victory, only a continuing struggle.”

A case in point is the progress that has been made with respect to dealing with violence against women. The courts used to accept the argument that, if a woman had ever had sex before with anyone, she probably consented to the approach by the accused. Victims can no longer be cross-examined on their previous sexual experience, unless the trial judge determines there is some compelling reason to allow it, said Silver Dranoff. However, “victims are still being mistreated by the courts,” she said. “As a result, many women are reluctant to complain.”

In addition to a need for more education of lawyers, police and others in the system before attitudes will change, Silver Dranoff spoke of the need for prevention, offering the example of proactive imprisonment, which is practised in some communities in the United States. Whereas a bail hearing assesses whether an accused is likely to flee before trial, this process assesses how likely an accused is to murder their accuser. If the risk of murder is high, the accused would be imprisoned until their trial and the victim (and their children) would be able to stay at home instead of having to seek shelter and protection, for example.

“I think it’s a plan that’s worthy of consideration in Canada,” said Silver Dranoff. “We also need gun control. In the hands of men who are violent against women, guns are dangerous. And the only way to control violent men using guns is to control guns. Canadian statistics show that access to firearms by an intimate partner increases the likelihood of murder by 500%.”

Childcare is another integral issue, she said. “I personally think that women will never be able to take their full place in our workforce unless we have proper health- and childcare. We need government-paid, government-subsidized childcare centres, regulated places for our children to go and be cared for while women are employed in the paid labour force.”

She said that, 50 years ago, in 1970, the importance of childcare was recognized in the Royal Commission on the Status of Women, “which called for a national childcare plan. The royal commission identified the care of children as the responsibility to be shared by mothers, fathers and society, without which, women cannot be accorded true equality. Just as true today as it was in 1970.”

She pointed to other instances in which a national childcare program had been recommended or dismissed by a federal government. Most recently, on Sept. 23, Prime Minister Justin Trudeau’s government “announced plans for a significant long-term investment in a national childcare and early-learning system, including before- and after-school care, and built on the [publicly funded] Quebec model.”

Silver Dranoff warned that government announcements, and even the making of laws, do not necessarily translate into changes. In Ontario, for example, there have been equal pay laws since 1951, she said, while the Pay Equity Act, which applied to the federal public service, didn’t come until 1984. Changes to the various laws have occurred as a result of complaints from workers, she said, and different governments and employers have either progressed or hindered pay equity.

“Statistics tell the story, too,” she said. “In 1965, women earned, on average, 41% of men’s pay…. Today, Ontario women earn, on average, 70 cents for every dollar a man earns.” While an improvement, it took more than 50 years and it’s not good enough, she said. “These statistics repeat themselves all over the world. Women are still paid less than men in every country in the world, according to research by the World Economic Forum.” And the pay gap is even larger for Indigenous, racialized and immigrant women, she said.

Potential solutions include a law requiring pay transparency, wherein a wage is assigned to a particular job, not the gender of the person filling it, and requiring companies to get equal pay certification from the government or be fined. The latter policy has been implemented in Iceland, she said.

After a few more examples of ways to improve pay equity, Silver Dranoff moved on to her final topic – representation and power. She noted that, in 2013, there were six female premiers, now there is only one (Caroline Cochrane, in the Northwest Territories).

“We need more women in positions of power and we’re having great difficulty in achieving it,” said Silver Dranoff. One deterrent is that women in politics receive significantly more abuse and nastiness than male politicians. Much of this abuse is online in social media and even anonymous; two factors contributing to the fact that few perpetrators are charged or convicted.

She said, “The law could be strengthened in this way: make social media platforms legally responsible for the content they post, just as newspapers have a responsibility to ensure that the content they print is not defamatory.”

She noted there are no provisions in the Criminal Code for online bullying, online criminal harassment, online misogyny. “The Criminal Code only deals with in-person offences,” she said. Of course, to make these types of new laws work, she added, anonymity on the internet must be curtailed or eliminated.

To sustain the advances made by the women’s movement, she said, “Feminists must run for office and be elected. Parties must nominate feminists in electable ridings.”

In Silver Dranoff’s use of the term, feminists can be any gender, just as patriarchs can be any gender. Not every woman, she said, will stand up for the interests of women.

In addition to electoral reform – she believes that proportional representation of the mixed member proportional type is the best bet, “both for society as a whole and for women in particular because it requires consensus decision-making” – Silver Dranoff would like to see changes made in the corporate world, as well. She sees a need for things like mandatory quotas for women on boards, to ensure equal representation. “Voluntary doesn’t work,” she said.

Canada also needs a national women’s organization, she said, “like we had in the early days of the women’s movement. The National Action Committee on the Status of Women represented all of us…. We need that national voice to ensure that women’s issues are monitored and our interests are heard.”

Such an organization should not be dependent on government funding, she said, “which can be, and has been, withdrawn due to the ideology of the day. And, in fact, that’s what happened to NAC in the end. The National Action Committee was relying on government funding and an unsympathetic government removed it.”

Women cannot just accept the status quo, she said, or “that makes us complicit.”

She concluded, “My message to you all is carpe diem, seize the day. There is work to be done. It is, without a doubt, long past time for women to achieve equality and justice.”

***

Note: This article has been amended to make clear that it was married women who weren’t permitted to work in the federal public sector until 1955.

Format ImagePosted on October 9, 2020October 10, 2020Author Cynthia RamsayCategories LocalTags abortion, childcare, divorce, economics, employment, equality, healthcare, human rights, justice, law, Linda Silver Dranoff, marriage, National Council of Jewish Women of Canada, NCJW, pay equity, women
What if critical illness strikes?

What if critical illness strikes?

(photo from flickr)

We all wonder and fear what would happen if we were diagnosed with one of many critical illnesses or suffered a heart attack or stroke.

You work hard to achieve personal and financial goals during your lifetime. Your plan is working and you have accumulated savings and investments, using tax-efficient investment strategies such as your registered retirement savings plan (RRSP). If you have to sell investments prematurely or stop investing in order to manage recovery costs, your future plans may never recover. So what should you do?

The survival rate of these critical illnesses has risen over the years and we are now most likely going to survive “the big one.” In Canada, these are the statistics: 63% likelihood of surviving at least five years after a cancer diagnosis, 90% will survive a heart attack, and there is an 80% survival rate after a stroke and hospitalization.

Here’s the problem

The issue is that there are significant costs associated with the treatment and recovery from such an illness. There can be large medical bills that are not covered by our various healthcare plans. In Canada, many will want to pursue treatments offered by private clinics at home or abroad, which can be extremely costly.

In addition to these costs, we often neglect to consider the other realities that people face, such as not being able to work. The most obvious is the loss of income suffered when one cannot work or run the family business or professional practice for an extended period of time. This might also affect the income of the spouse and other family members, those who are needed to provide home care.

What are the options?

To deal with the unexpected costs and loss of family income there are really two choices:

  1. One may choose to self-insure, meaning that one accepts the risks and has put money aside to cover the eventuality, or
  2. One may purchase critical illness insurance, which provides a lump sum after one is diagnosed with one of the critical illnesses covered in the policy.

The options in more detail

Removing the costs and lost income from one’s financial plan is a considerable setback to the financial plan. The projected retirement income is suddenly reduced and, for most people, it will never be made up. The impact is even greater if one is forced to withdraw from RRSP accounts, as these amounts are fully taxable as income.

As an example, if one needed to cover $100,000 of costs and had to withdraw it from a RRSP account, at a marginal tax rate of 50%, the person would have to withdraw $200,000 of savings intended for retirement.

The eventual impact on one’s projected retirement must be considered carefully, taking into account the income tax issues based on the source of funds, plus the loss of compounding that will no longer be enjoyed on the growth of those funds from the time of the critical illness until the time one planned to retire.

Suffice it to say, the decision to self-insure needs to be taken very seriously. Unfortunately, there are statistics that reaffirm the risks of falling ill with a critical illness are significant.

Critical illness insurance is sometimes referred to as “new insurance,” as it is a newer solution than traditional life insurance. In the past, before the many medical advancements we have enjoyed, life insurance was the solution because it was more rare to survive the illnesses.

Critical illness policies are designed to pay out a lump sum, say $100,000, typically 30 days after the diagnosis. The illnesses are defined and one can purchase a basic plan that covers heart, stroke and cancer, or the more comprehensive plans that have up to 25 covered conditions and include long-term-care insurance as well.

As of the end of 2019, one major life insurance company reported the following statistics:

  • It has paid out $520 million on 5,360 claims. In 2019, 67% were for cancer, 13% for heart attack, four percent for strokes and the remainder for coronary bypass, multiple sclerosis and other illnesses. The average age of claimants was 53 for women and 55 for men.

The lump sums paid out are used to cover medical costs, replace lost income, retire debt such as loans and mortgages, cover salaries within a business and often pay for time off and bucket list-type vacations.

There are programs available where, if one has been fortunate enough to not have made a claim, in other words, not have fallen ill with a critical illness, the policy can be canceled and all the premiums refunded. The only cost, in that case, is the time value of money on the premiums, as 100% is refunded.

It is even possible to model such a plan where one uses funds earmarked for a RRSP contribution to cover the premiums. This is more effective than one might first think, as the refund of premiums is tax-free.

The first step is to identify and understand the risks to one’s retirement plan. The second step is to consult a qualified professional to consider what protection works best for you.

Philip Levinson, CPA, CA, is an associate at ZLC Financial, a boutique financial services firm that has served the Vancouver community for more than 70 years. Each individual’s needs are unique and warrant a customized solution. Should you have any questions about the information in this article, he can be reached at 604-688-7208 or [email protected].

***

Sources: Manulife Insurance – Critical Illness: Asset Protection: Keep Your Retirement Savings for the Future, and Critical Illness: Retirement Protection Handbook.

Disclaimer: This information is designed to educate and inform you of strategies and products currently available. The views (including any recommendations) expressed in this commentary are those of the author alone and are not necessarily those of ZLC Financial. This information is not to be construed as investment advice. It is for educational or information purposes only. It is not intended to provide legal, taxation or account advice; as each situation is different, please seek advice based on your specific circumstance. This commentary is not in any respect to be construed as an offer to sell or the solicitation of an offer to buy any securities.

Format ImagePosted on October 9, 2020October 8, 2020Author Philip LevinsonCategories NationalTags critical illness, economics, financial planning, healthcare, insurance, retirement, RRSPs
Life goes on amid crises

Life goes on amid crises

Left to right: Bahrain Minister of Foreign Affairs Abdullatif al-Zayani, Israeli Prime Minister Binyamin Netanyahu, United States President Donald Trump and United Arab Emirates Minister of Foreign Affairs and International Cooperation Sheikh Abdullah bin Zayed sign the Abraham Accords on Sept. 15 at the White House in Washington, D.C. (photo by Avi Ohayon/IGPO via Ashernet)

The news on erev Rosh Hashanah that U.S. Supreme Court Justice Ruth Bader Ginsburg had passed away at age 87 cast a pall over many celebrations. Some in our community shared a teaching that says that a person who dies on Rosh Hashanah is a tzaddik, a righteous person. As tributes poured in for the late jurist, it was clear that many viewed Ginsburg as a tzaddeket, irrespective of the timing of her passing. Grief over her death was joined by the inevitable political implications of a Supreme Court vacancy mere weeks before U.S. general elections.

While Ginsburg’s death, at an advanced age and after years battling successive experiences with cancer, may not have been a complete shock, it was, for many, a tragic conclusion to the Jewish year 5780. The pandemic will be the imprinted memory of this time, but a succession of other events – uncontained climate change-driven wildfires and other natural disasters, political unrest, racial violence and police brutality, plus a litany of other crises and inconveniences – will be included when the history of this year is written.

Bad times can also bring out the best in people, though, and there is an uplifting inventory of good deeds. Locally, the way the Jewish community has rallied around those in need of food, social services and support has been heartening. This local unity and kindness have been mirrored in communities worldwide.

Among the few brighter spots on the international scene has been an opening of relations between Israel and parts of the Arab world. Suddenly, or so it appeared to most casual observers, the United Arab Emirates announced it would initiate diplomatic relations with Israel. The Kingdom of Bahrain followed suit. Other countries are alleged to be considering similar paths. When the Arab League was called upon to condemn this historic shift in relations, the body opted against. With the exception of Palestinians, the commentary from most Arab countries has been positive.

This has perhaps less to do with any newfound admiration for Israel than it does self-interest in the form of economic potential in bilateral relations with the region’s economic superpower. Geopolitical self-interest is also a factor. Nothing makes friends like shared enemies and Iran, with its nuclear initiative and ambitions for regional hegemony, makes whatever complaints the Arab world had against Israel pale in comparison. To say nothing of what’s in it for Israeli Prime Minister Binyamin Netanyahu’s political ambitions or the electioneering of the U.S. president just prior to elections in that country.

Self-interest is most likely at play in another sudden development. If there wasn’t enough happening in the world, on Monday, B.C. Premier John Horgan called a snap election, a year ahead of schedule. The wisdom of holding an election during a state of emergency has been challenged by opposition leaders and others, but the governing party did significant polling on the subject and must have concluded that whatever reticence there may be on that front was canceled out by the New Democrats’ strong position in opinion polls. By the time voting ends, on Oct. 24, most British Columbians will hopefully be more focused on the issues than on the timing.

The timing, though, is another wrinkle. The law that set fixed election dates – and which Horgan, therefore, flouted by calling the vote early – also fixes the date for the third Saturday in October. While British Columbians vote in municipal elections on Saturdays, provincial (as well as federal) elections have always been on weekdays. Observant Jews will have to make accommodations and vote early. Autumn being what it is, it is theoretically possible to race to the polls after sundown and before the 8 p.m. cutoff. Less frantically, there are seven days of advance voting, an increase from six days in the 2017 election. All voters can request mail-in ballots – early reports from avid voters suggest the process is simple and takes only a couple of minutes. It is possible to pick up (call first!) and return your vote-by-mail package at an electoral district office. For people with disabilities, there is an opportunity for voting by phone.

The pandemic has created all range of challenges in our lives. Voting in the midst of it comes with its own difficulties, but, however one feels about the decision to call an early vote, the wheels are in motion. Turnout was up in 2017 to 61.2%, an improvement from the mid-50% turnout in the previous two elections. We face important decisions about the path to an economic recovery and the management of the ongoing pandemic. We must each of us make a plan to vote, and encourage friends and family to do the same. Find out more at elections.bc.ca.

Format ImagePosted on September 25, 2020September 23, 2020Author The Editorial BoardCategories From the JITags Arab League, Bahrain, coronavirus, COVID-19, democracy, economics, elections, Israel, John Horgan, peace, politics, Ruth Bader Ginsburg, United Arab Emirates, United States

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