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Tag: retirement

King David head retires soon

King David head retires soon

King David High School principal Russ Klein at the school’s 2023 Golden Thread Gala fundraiser. About to retire, this year’s event will celebrate his 16 years of service. (photo from  KDHS)

Russ Klein stepped into the role of head of school at King David High School for a two-year temporary stopgap when Perry Seidelman retired in 2008. This June, he retires after 16 years at the helm.

“This job has just been a gift,” Klein said, before clarifying: “It hasn’t been a job.”

Klein was a vice-principal at Prince of Wales Secondary, in the Vancouver public school system, and was on track to become a principal when the position at KDHS opened. One of the teachers at PW was on the search committee to hire the new King David head of school and asked Klein – hounded might be a more appropriate term – to consider the role.

“I told him a number of times, using choice language, what I thought of that idea,” Klein recounted recently in his corner office at the school.

Finally, Klein consented to meet the search committee’s director, who convinced him to tour the school. He was suddenly interested.

Klein’s superiors at the Vancouver School Board thought a two-year stint as principal at an independent school would be good experience before returning to the public system, and a deal was struck.

“I thought I was in and out,” he said. “I thought I was coming because they needed someone. They knew I had a two-year contract. That’s what I signed.”

The King David experience, though, changed his life.

“When the Vancouver School Board invited me back to be a principal at one of our local Vancouver schools, I had to think long and hard about it and I realized I didn’t want to leave,” said Klein. “I had joined a community that was so different than anything I had experienced before. 

“In this job, I found a community that I didn’t know I had,” he said. “That was beyond special. I really do think of this job, this position really, as a gift.”

Klein, who was divorced, found not only professional fulfilment at King David, but personal, too. At the school, he met Deborah Youngson, a King David parent, and they have been together for 13 years.

“Deborah is the gift that keeps on giving,” he said. “She is just simply unbelievable. She has managed to help me through the highs and the lows of this job because I could not have done it on my own. Believe it or not, it may be a small school and it may be a small Jewish community, but there’s a lot of pressure that one feels and trying to look like the pressure isn’t impacting you when it really is, is not always so easy. But having a person who understands and is supportive made the biggest difference in the world.”

There are many tangible and intangible measures of success in the education field. The year Klein started, the Grade 8 incoming class had 18 students. This year’s Grade 8 intake was 65. Total school population has risen to 270 from fewer than 140.

“That’s very pleasing for all of us because the whole goal is to provide a Jewish education for as many Jewish students as we can,” he said. “That’s the mission.”

As the only Jewish high school in town, King David has an obligation to reach the widest swath possible, he said.

“We need to be able to provide as much of an education as we can from secular to, let’s say, a more traditional family,” Klein said, noting they use the term pluralistic Jewish school. “We also describe ourselves as a community school. We are open to everyone. We want everyone to be here. We are not a religious school – I will just clarify that with people – but we are a faith-based school.”

Among the advances during Klein’s tenure has been the solidifying of the Judaics department and the requirement for all students to participate in that component. He cites as a point of pride the annual Grade 8 trip to Israel – though global events have hampered that tradition in recent years.

Taking Grade 8s to Israel is rare, he said, as most Jewish schools in North America wait until students are a bit older. Klein thinks getting kids to Israel as early as possible is invaluable.

Dorin Eilon-Heiber, the school’s Hebrew coordinator and Judaic studies teacher, organizes the Israel trip and she and Klein have now accompanied more than 500 students on the journey.

“That’s probably one of the biggest satisfactions I have,” he said, laughing that it’s hardly a vacation. “But it was a privilege.”

The school had previously taken students on Israel trips but when Klein arrived they began taking the Grade 8s.

“It was considered young and we even had pushback here in taking them [at that age],” Klein acknowledged. However, the impact on the students throughout their high school experience is profound, he said. “I would ask [students], why do you come to a Jewish day school? And the kids don’t know. To be honest, many of them know they’re Jewish, [but] they’ve never been to Israel, they don’t know anything about Israel. My goal was to take them in Grade 8, let them fall in love with Israel and – you know how teenagers are, puppy love, etc. You go to Israel in Grade 8 and it is one of the most special moments you have in your life. We take them to meet Israelis, to spend time in Israeli homes and, literally, they fall in love.

“And then they have four more years to understand why they are actually at a Jewish school or why they’re learning Hebrew or why the history that they are learning is meaningful,” he said. “I just think it changes the conversation for them.”

Then worldwide events intervened. COVID prevented the annual excursion in 2020, 2021 and 2022. By 2023, the only students who had been on the school trip to Israel were in Grade 12. “So, last year, we were able to organize with our Israeli sister school, Har Vagai, two trips,” said Klein. “We took one in October with our Grade 10 students and we took one in March with our Grade 11 students, trying to catch up.”

Doing two trips was too stressful on the school and stressful on the Israeli hosts. “So, we decided at that point that this year we would move the trip to Grade 10 because we couldn’t catch up to get back to Grade 8,” he said.

There were plans to take the students just after Pesach this year. “And then, of course, Oct. 7 happened and we’re not going to Israel in Grade 10 this year,” Klein said. The sister school, located just outside the Vancouver partnership community of Kiryat Shemona, in the Galilee Panhandle, is mostly evacuated due to attacks from Hezbollah in southern Lebanon.

“They are all in hotels and other places and it’s a terrible situation,” said Klein. “Dorin and myself and our spouses are heading to Israel in a few weeks and we’re going to visit our sister school, take them our love and presents, and we’re also going to take our alumni in Tel Aviv and Jerusalem out for dinner, offer them our love and support and just say, hey, we’re here with you.”

Klein credits the entire KDHS team for everything he has accomplished over 16 years, but especially for stepping up during COVID.

Managing education during the pandemic may have been easier for independent schools, being able to navigate separate from a massive bureaucracy, said Klein. Within two days of shutting down in March 2020, King David classes were completely online. Unlike public schools, students were back in classes, with extensive protocols, at the beginning of June. 

In addition to the immediate issues of a deadly pandemic, there have been conflicting ideas about vaccines, masks and the broader needs and solutions in dealing with it. Klein credits parents and staff with superb resilience and patience.

There was a loss, though, of some of the social factors. Relationships between school staff and parents were less robust than before the pandemic simply because face-to-face contact was reduced, he said.

COVID has not been the only difficult time. 

“The lows are tragic moments, when alumni passed, parents passed,” he said. “Of course, most recently, with the loss of Ben Mizrachi in Israel at the Nova Music Festival [on Oct. 7]. Those are really hard, especially to try and lead when you are feeling as heartbroken as everybody else. Those lows are pretty clear.”

Klein calls the past 16 years “the most meaningful in my life,” bringing him back into a community he had mostly left behind. 

“I went to Talmud Torah [elementary school], I was part of the Jewish community in Vancouver. I had my bar mitzvah at the Beth Israel and, then, like a lot of people of my generation, I did not participate,” he said. “I went to Israel in my 20s a couple of times, spent time on kibbutzim and had that experience and fell in love with Israel, but I wasn’t living any religious life or any traditional life whatsoever. When I came to the school, my whole life changed, and I had community and that was a gift.”

As for retirement, Klein has planned not to plan.

“Very intentionally, I am not making a plan,” he said. “I’ve got tension and stress that needs to ooze out of me and it’s going to take a period of time for me to get to know myself again in a different way, without being in a position, to be able to feel relaxed and to not worry every time my phone pings.”

When school reconvenes in September, he and Youngson will be on their way to London to board a cruise to Iceland. Beyond that, he has only one commitment.

Klein’s father, Emerich, who passed away last year, was a survivor of Auschwitz.

“I will totally offer my services to VHEC [the Vancouver Holocaust Education Centre] to see if I can do some storytelling for them so I can bring that message,” said Klein. “But that is actually the only thing that I have thought I will definitely want to offer my services for.”

Diane Friedman, co-chair of the King David board, lauds Klein’s 16 years of accomplishments.

“Russ has overseen the transformation of King David into a strong, lively and inclusive Jewish high school,” Friedman said.

She credited Klein, and the King David team during his tenure, with adding an accelerated math and science program, annual school retreats, and an outdoor education program. 

“Russ also built up the Judaics program, making it compulsory for all students with no exceptions – it is who we are – focusing on service and volunteerism,” she said. “Russ recognizes that, while our students’ academic achievements are noteworthy, student achievement is so much more than academic marks.”

Under Klein’s leadership, Friedman noted, King David also became a Canadian Accredited Independent Schools member school, which attests that the institution follows national standards and best practices.

“Russ has been a true guiding light for King David,” she said. “He exemplifies the principles and traditions of Judaism, with a sense of purpose, fairness and kindness. Russ has fostered unity and belonging to a point where the King David community is a family … everyone says so, starting with the students and including staff and families. Russ has an open-door policy and strives to create an environment where every student feels welcome and valued.”

Friedman acknowledged the support the school has received from the Diamond Foundation, which owns the land on which KDHS sits and helped fund renovations and the addition of custom modular units on the campus during Klein’s tenure. 

While Klein is set to retire before the dramatic development of JWest breaks ground – a project that will ultimately see the school move into the new community hub on the site of the Jewish Community Centre of Greater Vancouver – Friedman credits Klein for collaborating on that project to ensure the long-term stability of the school.

“While seeing Russ off to retirement is bittersweet, we are excited for the future of King David and we look forward to welcoming Dr. Seth Goldsweig as our new head of school this summer,” said Friedman.

Klein’s years of service will be the focus of celebration at the Golden Thread Gala May 22. Information and tickets are at goldenthreadgala.com. 

Format ImagePosted on March 22, 2024March 20, 2024Author Pat JohnsonCategories LocalTags Diane Friedman, education, KDHS, King David High School, retirement, Russ Klein
Omnitsky Kosher Deli sold

Omnitsky Kosher Deli sold

Eppy Rappaport with daughters Aviva, left, and Lauren before the opening of Omnitsky’s. (photo from Eppy Rappaport)

Omnitsky Kosher Delicatessen, which, since 1910, has fed generations – first in Winnipeg and, from 1995, in Vancouver – is entering the next phase of its storied existence. Efrem “Eppy” Rappaport, the owner of the landmark establishment for the past 40 years, is preparing for a well-earned retirement as he passes the apron over to the new proprietor, Richard Wood.

Rappaport’s last day at the Omnitsky helm was on Dec. 8 and there is a strong chance that, when this article goes to print, he may be lining up a putt on a Florida golf course.

When the Independent caught up with Rappaport earlier in the month, he was in tremendous spirits as he was getting set for life after Omnitsky’s.

“I feel fortunate, I feel good, I feel exhilarated. I feel blessed to have had all this mazel,” he said, reflecting on his four decades of running the business.

The story of Rappaport’s involvement with Omnitsky’s begins in Winnipeg in the fall of 1979, when he was pursuing a master’s degree in sociology at the University of Manitoba but had decided to take a year off from his studies. 

photo - Omnitsky’s was established in Winnipeg, where Eppy Rappaport ran it for 12 years. Former Vancouver staff member Danny Simons is pictured in the photo
Omnitsky’s was established in Winnipeg, where Eppy Rappaport ran it for 12 years. Former Vancouver staff member Danny Simons is pictured in the photo. (photo from Eppy Rappaport)

Rappaport’s father, Sidney (Shalom) Rappaport, the rabbi at Winnipeg’s Rosh Pina Congregation, was asked by William Omnitsky, the then-owner of the deli, if he might know of someone who could take over the business. At the time, Omnitsky, whose father Louis founded the deli in 1910, was preparing for his own retirement.

The rabbi suggested his son. Soon afterwards, the young Rappaport met Omnitsky in the store’s small office, and they spoke about the business’s potential and the responsibilities that ownership would entail. 

“The story of this place, and keeping the original Winnipeg name, comes from the respect I had for Bill Omnitsky. When I started, I did not have the money to buy a business. He took back the purchase price as long as I trained with him. Four years later, I was able to take it over,” Rappaport said.

In 1995, after operating Omnitsky’s in Winnipeg for 12 years, Rappaport decided that the Jewish community in Greater Vancouver would present a better fit for his family – wife Ellen Rappaport (née Lowe) and daughters Aviva and Lauren. The deli initially settled on Cambie Street, near West 41 Avenue, before moving to Oak Street in 2014.

During his tenure, Rappaport expanded Omnitsky’s at both the retail and wholesale level. As the only full-service kosher store this side of Toronto, Omnitsky’s has a clientele that comes from numerous points on the western North American map. Regular patrons often drop in from Calgary, Edmonton, Victoria and Seattle. 

Besides the kosher grocery store, Rappaport added a restaurant with a soup and sandwich bar. As a result, a loyal customer base was established for those fond of soups made from scratch and sandwiches the size one finds in New York and Montreal. 

The deli, open Monday to Thursday, 10 a.m. to 6 p.m., and Friday, 9 a.m. to 3 p.m., features a wide selection of favourites, from pastrami sandwiches to knishes, matzah ball soup to a chopped liver “appy.” 

With his wholesale operation, Rappaport began making gluten-free hot dogs with no MSG. Several of his products, such as wieners, jumbos and salami, can be found in grocery stores throughout the Lower Mainland, as well as Vancouver Island, under the Eppy’s Kosher label.

Rappaport’s products are also sold to cruise ships, airlines, hospitals, nursing homes and prisons. They have even found their way to possibly his most famous customer, Bette Midler.

From the time he first took over the business from the Omnitsky family, Rappaport has worked long hours, getting in at 6 a.m. and frequently staying until 6 p.m., sometimes even longer into the night, six days a week.

One story that jumps out at him is when the deli had to move from its Cambie Street location to its current location, in 2014. It was in the period leading up to Rosh Hashanah.

“Just as Rabbi [Yechiel] Baitelman was about to place the mezuzah on the doorpost, he looked up and noticed the number 5755 [Oak St.] outside the building, the same year, 5755, which was about to be marked on the Hebrew calendar,” said Rappaport.

photo - In 1995, Eppy Rappaport moved to Vancouver and opened the deli on Cambie Street, where it was located until 2014
In 1995, Eppy Rappaport moved to Vancouver and opened the deli on Cambie Street, where it was located until 2014. (photo from Eppy Rappaport)

In its 113 years of operation, Omnitsky’s has managed to last through the Great Depression, foreign wars, recessions, inflation, challenges from large grocery stores and, of course, changes in ownership.

In late 2022, Rappaport, who was turning 65, felt it was the right time for him to retire. He placed an advertisement in the Canadian Jewish News to find a buyer for the store, factory, name and delivery trucks.  Had a buyer not come forward, Rappaport would have shut the business down.

In an interview last year, Rappaport told a reporter that potentially shuttering Omnitsky’s weighed heavily on him. 

“There are a lot of people sitting on the fence of whether they want to keep kosher or not. If they lose the ability to just pop in on their way home from work in order to have something for dinner, then that falls by the wayside,” he said. “The only people who are left are the ones who care and truly want kosher food because it becomes a conscious effort to order it. It becomes more difficult, and a lot of people may use this as an excuse.”

However, a new owner did come along in the form of Wood, the business director at BC Kosher. Rappaport expressed hope that the community would continue to support Omnitsky’s.

“Richard’s passion and commitment to kashrut will continue to strengthen and fulfil the community’s needs,” Rappaport said.

In November, Rappaport wrote a thank you letter to the Vancouver community, published in the Jewish Independent, in which he said it was “impossible to convey the incredible 40-year journey this has been.  I truly believe that this labour of love was what I was destined to do in life.”

In that letter, Rappaport said he would treasure the relationships formed with customers and the community over the years, the depths of which exceeded his “wildest dreams.”

photo - Eppy Rappaport with his wife Ellen and daughters Lauren, left, and Aviva after the sale
Eppy Rappaport with his wife Ellen and daughters Lauren, left, and Aviva after the sale. (photo from Eppy Rappaport)

“The warmth of so many customers filled my heart on a daily basis,” he said. “I want to thank each and every person who always made me feel that my life’s work was important to them, myself and the community at large. This will stay with me forever.”

Besides golfing, Rappaport said he plans to do some food and time management consulting in retirement. But, he stressed, family time is presently top of his list. And, he adds, he will continue to be a presence in the community.

As is the case with their father, Rappaport’s daughters are both involved with food. Aviva works in dietetics at Fraser Health, while Lauren is a senior scientist for Starbucks in Seattle. 

There is no doubt Rappaport will be missed by customers who have long frequented Omnitsky’s. As one transplanted Winnipegger noted nostalgically, “Thanks to Eppy, we had a slice of Jewish Winnipeg in Vancouver. Every time I step into Omnitsky’s, I am transported back to Winnipeg’s North End.” 

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

Format ImagePosted on December 15, 2023December 14, 2023Author Sam MargolisCategories LocalTags business, Eppy Rappaport, food, kosher, Omnitsky, retirement, Richard Wood

Navigate golden years

On Feb. 15 at Beth Israel, there will be two opportunities to hear Dr. Mielu Rabinovici speak on the topic of The Know-How to Navigate Through the Golden Years and Retirement, and Preparedness also Towards an Increased Longevity and a Better Quality of Life.

Rabinovici is an author and educator who has lived and worked across Canada and on three continents. He has degrees from various institutions, including the University of Toronto, faculty of education.

He has written and taught on several subjects, his areas of speciality being accounting, marketing and management. He is also the author of several books especially designed for seniors, about retirement, longevity and towards a better quality of life.

Now in his mid-80s, Rabinovici is still writing and sharing his knowledge with many groups, including seniors, helping them navigate through the modern complexities of life, characterized by climate change and rapid technological changes.

To register for one of Rabinovici’s Feb. 15 talks (2-4 p.m. or 6-8 p.m.), call him at 604-725-1376.

– Courtesy Temple Sholom

Posted on February 10, 2023February 9, 2023Author Temple SholomCategories LocalTags Mielu Rabinovici, retirement
Community thanks Horgan

Community thanks Horgan

B.C. Premier John Horgan speaks at Congregation Emanu-El Synagogue in Victoria on the evening of Wednesday, Oct. 19. (photo from Jewish Federation of Victoria and Vancouver Island)

The Jewish Federation of Victoria and Vancouver Island and its partners, the Jewish Federation of Greater Vancouver and the Centre for Israel and Jewish Affairs, held a farewell reception to honour B.C. Premier John Horgan for his service. They shared their gratitude for the support, partnership and friendship of Horgan and his government. They commended the premier’s friendship with the Jewish community, and his resolve to fight racism and antisemitism, and to preserve the teachings of the Holocaust.

Format ImagePosted on October 28, 2022October 27, 2022Author Jewish Federation of Victoria & Vancouver IslandCategories LocalTags John Horgan, NDP, politics, retirement
BI second home to Levin

BI second home to Levin

Gaynor Levin is retiring from Congregation Beth Israel after 25 years. (photo from Gaynor Levin)

After 25 years of contributing to the communal fabric of Congregation Beth Israel, Gaynor Levin is retiring. Anyone who has had the pleasure to interact with Levin – who has worked in many different capacities at the shul – knows that she prides herself on making sure that every detail under her sphere of influence is taken care of perfectly, with a smile every time.

Levin arrived in Canada from South Africa in 1991, with Vancouver as the goal but settling in Calgary initially. She had been a teacher at a Jewish day school in Cape Town for six years and took a job at the Calgary Jewish Community Centre.

“We came from summer in Cape Town and arrived in mid-December. It was -20 in Calgary,” she said with a laugh and a little shiver.

After 11 months, Levin and her husband, Ivor, made the move to Vancouver, where they have been ever since. Her career in the Jewish community continued, as the mother of two began work at Beth Israel as a Hebrew school teacher in 1997.

After a couple of years, looking for a new challenge, she took on the half-time position of program coordinator. “It was always a team effort,” she told the Jewish Independent. “I organized big family events and adult education programs.”

As the synagogue calendar grew, new positions were added to early childhood programming and Levin worked collaboratively with volunteers and shul employees to expand the services Beth Israel provided.

By 2014, the synagogue building had been completely redeveloped.

“The shul needed a rental manager and a manager of member relations,” Levin said. “I describe this job as customer service…. I am responsible for all of the happy events.”

With the exception of funerals, she became responsible for scheduling and helping organize all lifecycle and other gatherings. She explained that the member relations part of her job dovetailed nicely with the events part because it’s often around simchahs that families think of joining a synagogue. She also took on the responsibility for the rabbi’s calendar and for booking the Schara Tzedeck mikvah when necessary for conversions.

Working at the synagogue, Levin has seen many changes over the years. For example, recently, there have been a number of conversions for same-sex couples who have adopted, or who have had a baby by surrogate, and want to convert their new infant child to Judaism.

Outside of the religious domain, Levin’s job entailed renting out the synagogue’s various spaces to different groups. Jewish organizations such as King David High School and the Jewish Federation of Greater Vancouver have used the BI ballroom over the years for large events, as have many other organizations. For example, this past May, B.C. Children’s Hospital Foundation held their Balding for Dollars fundraiser at the synagogue. Ballroom dancing, rhythmic gymnastics, Girl Guides meetings and Weight Watchers gatherings were all regularly scheduled rentals under Levin’s tenure. There were also the occasional brushes with celebrity when TV shows were filmed on the premises.

“Whenever new people looking to host an event would walk into the shul, they would always be amazed. When they see it from the outside, nobody thinks it will look like this inside,” Levin explained. “It’s the best kept secret in the city. Central location, parking, a choice of many beautiful rooms.…”

While still clearly engaged with her job and the synagogue, Levin said 25 years is a good chunk of time in one place and she’s happy to leave now, feeling great about what she’s accomplished. She said she looks forward to attending events and services without the responsibility she’s had for years. “I love BI – it’s a second home to me and always will be,” she said, smiling.

Levin said her work with the membership in particular was personally rewarding and she enjoyed being “the face people knew when they joined the shul or needed help with an event.” She laughed when she said she never wants to give up buying the flowers for Yontif or gifts for guests of the shul because that was a favourite part of her job.

“I loved the people I worked with. It felt like a family – from the custodial staff to the president of the board,” she said.

Anyone looking to book the BI for an event can still catch Levin until the end of June. After that, she’ll be continuing her volunteer work in many Jewish organizations around the city – and watch out for her if on the Grouse Grind, as she’s climbing it at least three times a week.

 Michelle Dodek is a freelance writer living in Vancouver.

Format ImagePosted on June 3, 2022June 1, 2022Author Michelle DodekCategories LocalTags Beth Israel, Gaynor Levin, retirement

A full life post-career

The latest JSA Snider Foundation Virtual Empowerment Series session was co-sponsored by Jewish Seniors Alliance (JSA) and Jewish Family Services (JFS). Held on April 26, it continued with the theme “Be Inspired.” Titled Retired, Rewired and Inspired, it featured three older adults expressing their feelings, ideas and experiences of “retirement.”

Gyda Chud, co-president of JSA, started things off by describing the series – which involves co-sponsorship with other community organizations, such as JFS – and its theme.

Program committee Fran Goldberg then introduced the speakers: Rosa Tesler, who was a counselor for abused women when she retired in 2018; Dr. Paul Steinbok, who retired from neurosurgery in 2017; and Tony DuMoulin, who retired from his law career about a decade ago.

The first speaker was Tesler, known as Chully. She described retirement as an up and down road. She missed her clients. She lost her husband and her mother within the same time period. She feels privileged that she had the support of a loving family. To weather the downs, she said, a person must develop patience, determination and self-compassion. It took her a year to overcome health issues, but now, with the correct medication, she is able to live her life. She thanked her many friends, her therapist and her yoga teacher for their ongoing support.

Chully took a course on friendly aging and also the peer counseling training at JSA. She is now an active peer counselor. The pandemic caused major changes in many of her pursuits, but she continued with tai chi, yoga and peer counseling, all virtually. She did have to forgo travel. Adapting, reframing and hope kept her going. We are defined not by what happens to us, but by what we do, she said, ending with a quote from a friend in Argentina who teaches healthy aging: what is in your power, continue; stop what you didn’t want and can’t do; and initiate what you do want to do.

Steinbok had been a pediatric neurosurgeon and, when he retired, he pursued his love of photography, walking and travel. He had been part of an amateur camera club for many years and won an award in 1970. After retirement, he joined a photo group at the University of British Columbia, and learned digital photography. He began looking at nature from a closer perspective, especially its textures and patterns. He started to use his camera more creatively. He shared some of his close-ups of tree bark, stumps, mushrooms and flowers. There were shots of manhole covers – many of which have lovely designs on them. The photos are beautiful and artistic and have been in many competitions. Steinbok said the art of photography adds meaning to his life and he shares them with family, friends and the photo club. He said it feels as if he is continuing to teach, as he did in neurosurgery.

DuMoulin was a practising lawyer for 40 years, managing a firm for 24 years and teaching law. He retired at age 67, because he had many interests that he wished to pursue but not the time or energy to do so. He also wanted to retire at the top of his game.

DuMoulin calls himself a recovering lawyer – he said he needed to rewire and although he was told that he would be bored, the opposite has been the case. He feels his worldview has widened and that he is lighter and freer. He is involved in many activities and spends time with his five grandchildren. He is also reading more and has started a book club. Before COVID hit, he was traveling more, and he is exercising more. He has designed and built a cabin and has done some watercolour painting. He teaches and plays chess. He is active in JSA – on the executive and board and as a member of the editorial committee of Senior Line magazine; he chairs the advocacy committee. He is inspired by volunteers in the nonprofit sector and said the future is our responsibility – and belongs to us as well.

Tamar Stein, seniors outreach coordinator for JFS, thanked the speakers. She said JFS’s programs take place on Tuesdays at 11 a.m. – on May 10, there is a talk on grief and loss and, on May 24, on Medical Assistance in Dying.

Chud brought up the three Rs that she had heard from a friend: relationships, reflection and restorative practice. DuMoulin commented on the recording of family histories and a specific program that helps with this, called Story Worth. Larry Shapiro, co-president of JSA, added that the speakers had been inspirational and that a senior should speak at every event, while Chud thanked Jenn Propp for her contributions, Stein and the speakers.

The next JSA event is its spring forum on May 15, which features the concert With a Song in My Heart, led by Wendy Bross Stuart. The final Empowerment Series session for 2021/22 is in June, with the Kehila Society of Richmond. Visit jsalliance.org.

Shanie Levin is program coordinator for Jewish Seniors Alliance and on the editorial board of Senior Line magazine.

Posted on May 6, 2022May 4, 2022Author Shanie LevinCategories LocalTags Chully, Empowerment Series, Jewish Seniors Alliance, JSA, Paul Steinbok, retirement, Rosa Tesler, Tony DuMoulin
Debbie Tabenkin set to retire

Debbie Tabenkin set to retire

Debbie Setton Tabenkin sees travel, genealogy and fun with grandkids in her future. (photo by Jocelyne Hallé)

Debbie Setton Tabenkin, one of the most familiar faces to anyone who has frequented the Jewish Community Centre of Greater Vancouver in the past three decades, is retiring at the end of January.

Tabenkin began teaching English as a second language at the JCC in 1995. In conjunction with that role, she was instrumental in creating the drop-in child-minding program for kids of parents using the centre’s facilities or attending programs. In the succeeding quarter-century, she has served in a variety of roles and retires as director of programming and strategic initiatives, where she oversees about 10 program areas and 12 budgets.

Tabenkin’s interesting family history plays a role in her approach to her work. Her parents’ lineage is from the Syrian and Turkish Jewish communities and, in the early part of the 20th century, parts of her family migrated to Jamaica and Panama. Because there was a polio pandemic in Jamaica when her mother was pregnant, they traveled to Panama, where Tabenkin (née Setton) was born, returning to Jamaica as a babe in arms.

“I was used to what the community centre meant in Latin America,” she said of her philosophy around the work she does. “It was a social place where you came and you met people.” The “living room” of the community, she calls it. That is what she believes she has helped foster in Vancouver.

But there was a winding road before she ended up here.

The Setton home in Jamaica was the holiday destination for any Jews who happened to be on the island, whether American Peace Corps volunteers or Israelis helping the nation with agricultural infrastructure.

When she was 16, the family left Jamaica, where violence was becoming frequent, and moved back to Panama.

Her grandfather owned the kosher supermarket in Panama City, where family members – she has about 100 first cousins – still operate it. The store moved into new digs that include a kosher sushi restaurant just two weeks ago.

She was the black sheep of the family, she cheerfully admits.

“I came from a very traditional family where the girls got married,” she said. “One [sister] got married at 19 and one got married at 17 – and I knew I wanted a different lifestyle.”

She did a two-year associate’s degree at the American college in the Canal Zone and then taught Grade 2. She wanted to further her education and her parents said she could either go to New York City, where a sister had moved, or to Vancouver, where her brother, Victor Setton, had settled in 1975.

She completed her bachelor of education at the University of British Columbia, but the federal government at the time did not have a program that allowed her brother to sponsor her to remain in the country. So, she returned to Panama and taught English at the Jewish day school, Instituto Alberto Einstein.

She decided to pursue a master’s degree and, in 1980, was accepted at both Columbia and New York University. She got her MA at Columbia in the then-new field of educational technology and media.

“I lived in New York for five years and, you know, everything is for a reason,” said Tabenkin. “I’m so happy the Canadian government didn’t take me because that gave me five years in New York and those five years made me the person I am.”

She drank in the cultural offerings of the city and became very involved with the Sephardi association there.

“I became very proud of being Sephardic,” she said. “I really learned the history of the rich culture that Sephardic Jews have. I took multiple classes. I accessed everything and that’s when I learned Hebrew.”

She returned again to Panama but, then aged 30, set her sights on a new conquest.

“I really wanted to have a child and I really wanted to get married,” she said. “I decided, OK, I’m going to go to Israel. My mother was delighted when I left to Israel.”

She had taken up scuba diving in Panama and poked her head into a scuba store in Tel Aviv looking for information about opportunities to pursue the sport. She chatted with a young man named Yair Tabenkin.

A few days later, a friend invited Debbie to tag along to a Purim party and a scuba expedition in Eilat being organized by a young man. When the friend described the pal who was planning the trip, Debbie replied, “I think I met him.”

When the mutual friend told Yair who she was bringing along, he said, “Oh, is that the girl with the beautiful blue eyes?”

“He remembered my eyes – and that was it,” she said. “The rest is history. We met that Purim and we got married in August.

“On the year anniversary that I had moved to Israel, I was married and pregnant,” she said. “Let’s put it this way: I accomplished my goal.”

Before that happened, there had been some snooping. Yair Tabenkin had some family in Panama and queried about the Setton family. A similar investigation was happening in reverse.

“My mother went to the rabbi and said, look, my daughter is dating this guy named Yair Tabenkin,” she said. “And the rabbi said ‘Tabenkin? It’s like marrying a Kennedy.’”

Yair’s grandfather, Yitzhak Tabenkin, was a founder of the kibbutz movement and a leading figure in the creation of Mapai, the precursor to the modern Labour Party, along with David Ben-Gurion and Berl Katznelson, and was a member of the first Knesset.

After Debbie and Yair married, they were speaking with Debbie’s brother in Vancouver, who said he had an opportunity for the new husband. The couple moved here in 1990.

Her responsibilities at the JCC expanded quickly from that first ESL gig. She began organizing events – something she had been doing since her teenage years, when she created a Purim party in Panama.

On New Year’s Eve 2003, Tabenkin organized a multi-generational event at the JCC, where kids were entertained by camp counselors in the gym and pool while parents dined and discoed before everyone came together at midnight.

In 2004, she began Festival Ha’Rikud, a celebration of Israeli culture through music, dance, food, art, workshops, literature, family activities and marketplace. This year saw the festival’s 18th iteration.

In 2008, she spearheaded the Israel at 60 festival in Stanley Park, one of the largest and most visible public celebrations in Jewish community memory.

As director of programming and strategic initiatives, she has a finger in pretty much every pie at the centre, but a particular point of pride is the inclusion department.

“Debbie’s had a very distinct impact on many people’s lives in the community,” said JCC executive director Eldad Goldfarb. “She’s a very caring person, both to her staff and team and to the members of the community, always trying to find what she likes to call the ‘magic moment,’ basically trying to find something good out of the bad and trying to solve problems and make people happy.”

Tabenkin holds a great deal of institutional memory not only of the JCC but of the entire community, Goldfarb added.

“She’s definitely someone whose big shoes are going to be difficult to fill,” he said. “She’s someone who’s got not just the history, but the personal connection to a lot of people in the community.”

In retirement, Tabenkin may do some consulting, spend more time with her three adult children and two grandchildren and she hopes to get back to some exotic adventures. Just before COVID, she returned from Ethiopia. Before that, she visited Uzbekistan. She wants to delve deeper into genealogy and would love to spend a month in Turkey investigating that branch of her family.

She looks back with more than fondness.

“I truly love this place,” she said. “My whole family has benefited so much. I always say a membership to the JCC buys you 15 extra years of your life. You’re keeping healthy, you’re working out, you’re with people, you’re not isolated. It’s truly a place where everyone can be together, it doesn’t matter what your socioeconomic background is, it doesn’t matter your religion. It’s a place where we all get to be together. It’s our living room.”

Format ImagePosted on December 17, 2021December 16, 2021Author Pat JohnsonCategories LocalTags community engagement, Debbie Setton Tabenkin, diversity, Eldad Goldfarb, immigration, JCC, Jewish Community Centre, retirement, travel
Fox retires from VHEC

Fox retires from VHEC

Rome Fox has been associated with the Vancouver Holocaust Education Centre for 25 years. (photo from vhec.org)

Rome Fox has retired as assistant director of the Vancouver Holocaust Education Centre. She was recognized at the VHEC annual general meeting Oct. 20 by being named a Life Fellow of the organization.

Fox has been associated with the VHEC for a quarter-century, first as a volunteer, as a member of the board of directors and the executive committee and as co-chair of the annual Yom Hashoah commemorative event. Joining the centre’s staff as a part-time volunteer coordinator, Fox went on to serve as program coordinator, interim education coordinator and acting executive director, while also taking the lead on annual commemorative events.

In her remarks at the AGM, Fox reflected on the people she has met and worked with, emphasizing the Holocaust survivors.

“It has been life-changing and very fulfilling to participate in the growth of such an important and dynamic museum dedicated to Holocaust education and remembrance,” she said. “I’m truly honoured, fortunate and privileged to work with you, our remarkable and resilient Holocaust survivor community, and I cherish the lessons I’ve learned from you. You made a difference not only in my life but in the lives of thousands and thousands of B.C. students, teachers, citizens and government officials.”

Fox also expressed pride at the changes in the organization and the innovative projects, campaigns and commemorative events with which she has been involved.

She said she treasures her relationships with the three executive directors with whom she has served – Nina Krieger, Frieda Miller and Roberta Kremer – and the meaningful work they have done.

“Every day, when you’re working there, you know you’re making a difference somehow, someway,” she told the Independent. “Somebody’s life is being touched. When you hear the remarks of students of the impact of survivors or when they take a workshop, the questions that they ask, you know that kids are starting to get this stuff.”

Both of Fox’s late parents, Sarah and Al Rozenberg, were Holocaust survivors from Poland. Her mother was in the Warsaw Ghetto and worked in a munitions factory. Ultimately, Sarah was sent to Majdanek, while her entire family was sent to Treblinka and murdered. Many of Sarah Rozenberg’s artifacts are in the VHEC’s permanent collections.

Fox knows less about her father’s story, but he was mostly on the run and helping people as they tried to escape Nazi-occupied Poland.

The couple met in a displaced persons camp and moved to Edmonton, where Rome was born.

In a moving testimonial video shared at the annual general meeting, staff, volunteers and survivors paid tribute to Fox.

Robert Krell, founding president of the VHEC, spoke of “the strength you bring to the centre and the comfort and compassion to our survivors through your own personal understanding of our nature and our struggles.”

Frieda Miller, past executive director, said: “If an organization can be said to have a heart, you were that heart. As daughters of survivor parents, we shared that unique bond, one that I think also uniquely equipped us for our work at the centre. But, Rome, what I want you to know is that your contributions were not just valuable but truly fundamental to the VHEC’s remarkable achievements of over a quarter of a century.”

Lillian Boraks-Nemetz, a Holocaust survivor, said: “I read somewhere that the sturdiest pillars of human morality are compassion and a sense of justice. In all my interactions with you, I have experienced both. In your work at VHEC, you have been supportive and encouraging, you understood what it means to be a survivor of the Holocaust and have helped to guide us in many ways.”

Wendy Bross Stuart and Ron Stuart, who worked with Fox on the musical components of countless commemorative events, thanked her for years of achievements.

“She’s approachable, kind, competent, committed – she’s got the whole package,” Ron Stuart said. “I think you can get some of those qualities in other individuals but to get the whole package is quite unique.”

Krieger, the current executive director of the VHEC, spoke of the absence Fox’s retirement will leave.

“Although it is nearly impossible for us to imagine the centre without Rome as an integral part of our team, I know that we will continue to ask ourselves: What would Rome do?”

Format ImagePosted on November 19, 2021November 18, 2021Author Pat JohnsonCategories LocalTags AGM, annual general meeting, Frieda Miller, Lillian Boraks-Nemetz, milestones, Nina Krieger, retirement, Robert Krell, Rome Fox, Ron Stuart, Vancouver Holocaust Education Centre, VHEC, volunteering
It’s RRSP and TFSA season again

It’s RRSP and TFSA season again

Registered retirement savings plans (RRSPs) and tax-free savings accounts (TFSAs) are always topical at the beginning of the year. And, for anyone considering these options, there are two primary considerations right now: what new available contribution room you may have for your TFSA, and that you have the first 60 days of the year to make an RRSP contribution against your previous year’s income.

To help you understand the differences between the two tax-sheltered investment vehicles, we put together a general FAQ. However, before going over the mechanics, we want to stress how important it is to use these programs in your financial plan. There is almost no circumstance where it would make sense to hold investments that generate growth or income in a non-registered account rather than in a TFSA.

As an example of the power of the RRSP, we ran some numbers to consider. This is based on a high-income earner, age 30, and compares saving within an RRSP and investing the resulting tax savings as well, for 41 years, until age 71, and then cashing it all in and paying tax thereon, versus simply saving in a non-registered account.

In the example, the individual invested $24,000 per year in a portfolio that generated an income of 5% per year. We used a tax rate of 50%. At age 71, the after-tax cash savings in the hands of the individual, having used the RRSP program, is $808,000 greater than the traditional non-registered plan.

As you can see, the advantage of the RRSP is extremely significant and cannot be overstated.

TFSA basics

The tax-free savings account program began in 2009 to provide Canadians with an account to contribute and invest money tax-free throughout their lifetime. Contributions to a TFSA are not deductible for income tax purposes. Any amount contributed, as well as any income earned in the account (investment income and capital gains) are tax-free, even when it is withdrawn.

The allowable contribution room for a TFSA has changed over the years, and can be seen in Table 1.

TFSA has many important features:

  • to have one, you must be 18 years of age or older with a valid social insurance number,
  • there is a tax-free accumulation of income and gains,
  • you have tax-free withdrawals – at any time, for any reason,
  • they have no impact on income-tested benefits such as child tax benefits and guaranteed income supplement,
  • you can invest in any RRSP-qualified investment, such as mutual funds, ETFs, stocks, GICs, etc.,
  • the interest on money borrowed to contribute is not tax-deductible,
  • no attribution rules apply – it’s good for income splitting between spouses and can be transferred to the surviving spouse’s TFSA if they are the designated beneficiary,
  • to avoid penalties, you must be careful to not over-contribute, and
  • you can recontribute amounts withdrawn in previous years, and there is a 1% penalty per month if recontributed in the same calendar year.

RRSP basics

The registered retirement savings plan program was introduced by the Canadian government in 1957 to help Canadians save for retirement. All income accumulates on a tax-deferred basis and contributions are deducted against your taxable income in that particular tax year. As of 2020, the RRSP deduction limit is 18% of your earned income, to a maximum of $27,230. You should always check this amount with your accountant and/or CRA.

The important features of an RRSP include the contribution period, which is from Jan. 1 to the 60th day of the following year, and that the maximum age to contribute is 71. There is no minimum age for contributing, but, starting in the year after the year you turn 71, you must start making specified annual withdrawals from your RRSP, which now becomes a registered retirement income fund (RRIF).

The Home Buyers’ Plan (HBP) allows you to withdraw from your RRSP to buy or build your first home. In this case, the money must be in the RRSP for 90 days before withdrawal is permitted, and you can withdraw up to $35,000. Regarding repayment of the withdrawal, participants must repay 1/15th per year (starting in year 2), with the total amount paid off in 15 years.

The Lifelong Learning Plan (LLP) allows you to withdraw funds from your RRSP to finance full-time training or education expenses for you or your spouse or common-law partner. You can participate in the LLP for yourself, while your spouse or common-law partner participates in the LLP for him or herself; you can both participate in the LLP for either of you; or you can participate in the LLP for each other. Withdrawals of up to $10,000 in a calendar year and up to total of $20,000 are permitted, and participants must repay 1/10th of the amount withdrawn per year, with the total amount paid off in 10 years.

Philip Levinson, CPA, CA, and Brent Davis are associates 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, visit zlc.net or call 604-688-7208.

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Disclaimer: This information is not to be construed as investment, legal, taxation or account advice, nor as an offer to sell or the solicitation of an offer to buy any securities. It is designed only to educate and inform you of strategies and products currently available. The views expressed in this commentary are those of the authors alone and are not necessarily those of ZLC Financial or Monarch Wealth Corp. As each situation is different, please seek advice based on your specific circumstance.

Format ImagePosted on February 12, 2021February 11, 2021Author Philip Levinson & Brent DavisCategories Op-EdTags financial planning, investing, retirement, RRSP, savings, taxes, TFSA, ZLC
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].

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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

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