FYI:

CREDIT CARDS

FREE ISSUE 231 JANUARY 8, 2020

THE GOLDEN PROMISE

‫פרשת ויחי‬ ‫י”א טבת תש”פ‬

Hashem sent me the money in a most unexpected way

HOW DO YOU DOLE OUT YOUR DOLLARS? A fix for each type of money mismanagement

THE ISSUE WITH INTEREST How to avoid running into problems with ribbis

New Series!

CRAWL OUT FROM UNDER CRUSHING DEBT Follow real-life people as they regain their financial footing

B E A U T Y G E N E R AT I O N N E X T

M E D

O R C

PA D

E I T

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01.19 2020

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Stay tuned.

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SAFETY IS IN QUESTION (Re: Down a Snowy Slope, Issue 230) Last year when my daughter came home from school with a permission slip to sign for snow tubing, I looked closely at the fine text. The parent’s signature signed away their rights to sue if anything (accidents or even deaths) were to occur. I researched it further and discovered that snow tubing is considered one of the top ten most-dangerous sports. The state of Pennsylvania will not even allow a person to sue if he is injured while snow tubing, because the person understands that they are involving themselves in a dangerous activity. I believe that parents have the right to decide whether or not they want their child to participate in such an activity, and also to take their children to the attractions of their choice. However, I am asking of schools to please not take their students on trips that involve a parent signing such a form. It isn’t fair to a child who will not be able to participate in a school trip because her parents do not feel comfortable allowing her to go. There are enough places to visit that don’t involve a known danger. My own feeling is that if there is such a waiver, enough people have gotten seriously hurt (and then went ahead and sued) to warrant the place having people sign the form. Sincerely, L.B.H.

A SHABBOS HUMIDITY SOLUTION (Re: The Winter Hunt for Health, Issue 230) Thank you for the article on humidifiers. What a breath of fresh air! It was really comprehensive, yet simplified for the consumer. According to my knowledge, a cheap cool-air humidifier may be refilled on Shabbos. One should ask a rav. This is so because the water does not get cooked up, nor does the machine stop when the tank is empty. It continues spinning, and the spinning motion simply churns up a mist that is emitted from the machine (like a trigger spray). The

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one I have has an extra-large opening in the front of the cover through which water can be poured in. Therefore, it can be filled without touching or moving the machine on Shabbos. R.K.

NATURAL HUMIDIFIERS (Re: The Winter Hunt for Health, Issue 230) Thank you for a delightful magazine. In your recent issue, you provided very helpful information in regard to properly maintaining levels of humidity in one’s home. There is another excellent and natural way to obtain that: with indoor plants! There are a variety of houseplants that offer a healthy source of humidity, and also deliver healthy air quality. Some great plants for the purpose are the spider plant, Boston fern and peace lily, and there are many others. Get yourself some nice plants, reap the benefits of better indoor air, and bask in their verdant beauty. Brieger Family RUCHY REESE RESPONDS: Thank you so much to both letterwriters for taking the time to write in. In regard to refilling humidifiers on Shabbos, many of them, even the more-expensive models, can be refilled without moving the machinery or changing its function. Of course, one must consult their rav for guidance. In regard to the plants that humidify and purify, yes! Hashem’s creations are amazing! However, when the steam is working full force, I don’t believe that plants can

70 / THE MONSEY VIEW / January 8, 2020 www.themonseyview.com / 845.600.8484

provide enough humidity, unless you have very many of them. According to a Dr. Bill Wolverton, NASA scientist and the man who extensively studied plants’ abilities to clean the air, the areca palm is one of the highest-rated plants for humidifying the air. One large areca palm transpires about 1 gallon of water per 24 hours. The largespace humidifier I have releases 4 to 5 gallons per day when the steam is working hard. You’d need a few palms to adequately humidify a large space. Plants are great, but they may have their limitations when up against heating.

RE: DON’T TEST MY PATIENCE (Inbox, Issue 229) Thank you very much for providing a column where the community has the opportunity to communicate and to share ideas on how to make our town a better place for everyone! I’m responding to the man who wrote about driving to work every morning in the back of a bus (and in front of a bus, too...) and trying to be patient at every stop. We have to stay focused and remember that the reason we go out to work is to be able to support our family and have the money to pay for our children to learn Torah. Chazal tell us: “Ein ha’olam miskayem ela bishvil hevel pihem shel tinokos shel beis rabon.” The entire world is able to exist only because of the children who learn the Torah. Every child who goes onto the bus is sustaining the entire world, including you and your job! The drivers of those buses also have a big part in keeping the world in existence, and they deserve their full tip, no matter if they wait an extra half a minute for your child or not. So please make sure to leave your house/shul early enough so you can be patient while waiting in the back of a bus, because by doing that, you’re also having a part in

the mitzvah of limud Torah! Thank you! Staying Focused

KYIV CORRECTION (Re: Flames in the Frozen Tundra, Issue 229) Our family enjoys reading The Monsey View every week. It is a fresh voice and provides a great “view” of our town. However, we’d like to point out an error. The title of the article “Flames in the Frozen Tundra” was completely inaccurate in describing the Ukraine. “Tundra” usually refers to an area of (1) “permanently frozen soil,” or (2) “no month with an average temperature in excess of 50°F.” Kyiv, with over 180 frost-free days per year, does not satisfy the first definition. Also, it has five months (May through September) with average temperatures over 50 degrees Fahrenheit, thus not satisfying the second definition. In fact , Bangor, ME, has lower average temperatures than Kyiv, and Boston averages just 4 degrees higher than Kyiv. Odessa had winter temperatures similar to NYC! My wife was born in Kyiv and lived there for twenty years. She can vouch for this information firsthand. Besides this error, the article was well researched and appeared accurate. Mordechai Drucker

RE: DOING WHAT THE AVOS DID (Inbox, Issue 227) Regarding the letter a few weeks back about chasan and kallah gifts, I’d like to bring up that Avraham was wealthy and thus could afford to gift Rivkah. Yaakov was poor, and although he felt bad that he wasn’t able to afford presenting Rochel with gifts, it doesn’t say he worked longer hours in order to buy presents! Additionally, I didn’t see that Yitzchok or Yaakov received chasan presents. What greater proof than that do we need to stay within our means? G.N.

YOUR IDEAS IN MY HOME I love the recipes and party ideas that you feature. They are so downto-earth and really fantastic. I used quite a few of them over Chanukah; it made the planning and prep so much easier. Thank you so much! Rubin Family

IMPROVING BUSES, IMPROVING SAFETY Writing this on Wednesday night of Chanukah, I’m sure that you, as I, are still reeling from the shock-

72 / THE MONSEY VIEW / January 8, 2020 www.themonseyview.com / 845.600.8484

ing near-accident that resulted in a stunning nes Chanukah for a young child who ran in front of a school bus. As our hearts still pound in tandem with all the horrific “what-ifs,” let’s thank Hashem for this wake-up call to fulfill “v’nishmartem” as best as we can, especially when it comes to our precious children. Our drivers are so devoted, fully cognizant of the awesome responsibility they have to transport our children safely. But even the most dedicated bus driver cannot see a young child directly in front of the hulking nose of his bus.

Lately I barely see crossing arms (those yellow sticks extending in front of school buses), which are designed to prevent kids from crossing out of the driver’s line of vision. I think they should be made mandatory. Another thing that can save lives every single day is a front-view camera for a bus with a protruding front. There’s a plethora of these cameras on the market, and they are not very costly. May Hashem bentch our hishtadlus with hatzlacha and keep us all safe. C.N.G.

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ONLY A TEMPORARY HOME It’s with a trembling hand and heart that I am writing this letter after the recent brutal attack and the frightening occurences of the past few weeks. This is a wake-up call from Hashem. Perhaps we need to rethink our comfortable, secure (not anymore) communities. We are well connected politically and have the finest eateries, stunning tablescapes, new homes coming up at lightning speed, and malls that rival with the best New York has to offer. Let’s remember that we really don’t belong in Monsey; we are in galus. And let’s strengthen ourselves in tzipisa l’yeshuah. Shiffy Itzkowitz

SAFETY FIRST I would like to remind our residents of our minimum responsibility to do our part in ensuring our safety amid the hate: to lock our doors all the time, be it at home, while in a parked car, or when working in a shop. It would be a good idea for all stores to be equipped with buzzers and lock their doors, and buzz in customers for an extra measure of safety. Locked doors can give us more time to escape potential harm — or help us avoid it altogether by preventing us from being easy targets. May Hashem guard us, and may we remember our v’nishmarten me’od obligations. C.W.

The Monsey View welcomes your comments, feedback and letters. Please email comments@ themonseyview.com.

74 / THE MONSEY VIEW / January 8, 2020 www.themonseyview.com / 845.600.8484

January 8, 2020 / THE MONSEY VIEW / 75 www.themonseyview.com / 845.600.8484

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PA RS H A S VAY E C H I Mr. Rosenâ€™s business empire was quite impressive. His products were a staple on all the kosher grocery store shelves, and they could be found in just about every Yiddishe household. As charitable as he was successful, Mr. Rosen was very close with his rebbe and was a pillar of his chassidus, as well as a baal tzedakah with a big heart and an

Whoever heâ€™d designate would be, in a sense, like a king, making decisions that would affect so many people, including the livelihood of the entire extended family. He would also be something similar to the â€œKohenâ€™â€™ of the family in the sense that so much ruchniyus would ride on his decisions; both the tzedakah-giving and supporting the talmidei chachamim would be dependent on him. Whoever would run the business would have to be a strong leader, but also kind and compassionate. Mr. Rosenâ€™s successor would need to be someone who could be relied upon to make sound decisions after careful deliberation, taking many factors into account before coming to a wise conclusion. Until recently, Mr. Rosen had been planning to name his eldest son as his successor, as was expected. However, that changed one evening after Mr. Rosen saw his son explode in anger â€” and not for the first time. Upon further reflection, Mr. Rosen realized that his son truly had an anger problem. Mr. Rosen was forced to admit that his eldest son was also very impulsive, frequently making rash decisions without considering the consequences. Mr. Rosen recalled a teaching of the Sifri: â€œBah lichlal kaâ€™as bah lichlal taâ€™us â€” One who gets angry will make mistakes [wrong decisions].â€? Wrong decisions could have devastating consequences on the business and, consequently, on the whole family, not to mention the community to which he contributed so greatly. It was with a heavy heart that Mr. Rosen made the difficult decision to bypass his eldest son and name a different son as his successor. In this weekâ€™s parsha, as Yaakov Avinuâ€™s petirah looms near, he gathers his sons to speak with them. When Yaakov addresses Reuven, he tells him, â€œUnstable as water, you shall not have superiorityâ€Śâ€? (Bereishis 49:4). Rashi explains that Reuven had originally been fit to become king and Kohen in the family, but because of his anger and instability, Reuven was no longer fit to

Reuven lost three gifts as a result of his anger and impulsivity: the bechorah, the kehunah and malchus. open hand. The entire Rosen family was supported in some way by Mr. Rosenâ€™s business. Most were employees in the business, but many were kollel yungerleit, supported in their learning. As Mr. Rosen grew older, he began to reflect more and more on who would take him over as head of the business.

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receive these blessings. The Shem MiShmuel explains that Reuven lost three gifts as a result of his anger and impulsivity: the bechorah, the kehunah and malchus. Reuven’s gifts were given instead to his brothers: Yosef Hatzaddik received the bechorah, Levi received the kehunah, and Yehudah received malchus. Rabbi Mani bar Patish said, “Whoever becomes angry, even if greatness has been decreed for him min haShamayim, he is brought down. We learn this from Eliav, who became angry with Dovid” (Pesachim 66b). After Eliav became angry with Dovid, the kingship was taken from Eliav and given to Dovid instead. Just think, a person could have been endowed from Shamayim with the greatest gifts imaginable — and then lose those very gifts simply because they did not control their anger. The entire course of Jewish history could have been completely different if not for Reuven’s anger and impulsivity: All the kings of Klal Yisroel and all the Kohanim of Klal Yisroel would have descended from Reuven, not Yehudah or Levi. And later, the kingship would have rested with Eliav, and not with Dovid, if not for anger. We cannot know whether we have lost any gifts through anger, just as we cannot know what gifts have been decreed for us. But we all know that anger is destructive, and we know that relationships we cherish are damaged through anger. It may be difficult to hold back in a moment of anger, but we can focus on all the good we have in our life and all the good we hope to accomplish in this world — none of it benefits from our anger. On the contrary, we may stand to lose it all.

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Hadran Alach Talmud Bavli - An Epic Simchas HaTorah as One Daf Yomi Cycle Ends and Another Begins It was a monumental celebration of Torah as over 100,000 people celebrated the 13th Global Siyum HaShas of Daf Yomi at twin events in New Jersey’s MetLife Stadium and Brooklyn’s Barclays Center on January 1. Organizers at Agudath Israel of America found themselves scrambling to accommodate the high demand for tickets for The Siyum at MetLife Stadium, adding Barclays Center as a second venue at the end of November. All of MetLife Stadium’s approximately 92,000 seats sold out in advance of the Siyum HaShas, with another 14,000 tickets sold at Barclays Center, filling the arena to near capacity. The brisk winds and the occasional snowflake that made MetLife Stadium feel far colder than the relatively mild winter temperature of 40 degrees were no match for the warmth of ahavas haTorah, and at both venues, participants were enthralled by the four-hour-long program that included the Novominsker Rebbe, shlit”a, the Vyelipoler Rebbe, shlit”a, the Kossover Rebbe, shlit”a, the Viznitzer Rebbe from Monsey, shlit”a, Antwerp’s Chief Rav Aharon Schiff, shlit”a, Rav Aryeh Malkiel Kotler, shlit”a, Rav Yissocher Frand, shlit”a, Rav Uren Reich, shlit”a, Rav Elya Ber Wachtfogel, shlit”a, Rav Yeruchim Olshin, shlit”a, and Rav Elya Brudny, shlit”a. Numerous revered gedolim and rabbanim graced the daises at both events, where tributes to elderly Holocaust survivors and the over 30,000

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children who collectively completed all of Shisha Sidrei Mishna highlighted limud Torah as the foundation of Klal Yisroel throughout the ages and the road map to our future. Equally inspiring were videos that showed Daf Yomi shiurim all across the globe and told how the flame of Torah burned brightly even during the Holocaust, with the siyum on Shas at MetLife Stadium made from a War World II-era Gemara that was used in the DP camps. At both venues, the spontaneous singing and dancing that erupted following the siyum on Shas were the highlight of the day, the air electric as hearts overflowing with simcha celebrated the end of a 2,711-page-long journey just moments before the cycle was started anew with the opening words of Masechta Brachos. The epic display of achdus was another facet of the Siyum HaShas that touched many in attendance, with participants representing every segment of the Jewish community bringing to life Rabbi Meir Shapiro’s dream of using Daf Yomi as a vehicle to unite Klal Yisroel. Heartwarming stories emerged in the days following the siyum, with MetLife Stadium guest services representative Rosemary Yacono describing the joy and sense of community that she was in evidence, noting it was among the most emotional events she has ever seen in her 18 years at the stadium. Local EMS crews who were working at MetLife Stadium said that they were stunned by the number of siyum participants who stopped to thank them as they walked by, saying they had “never experienced anything like it before.” Yeshiva World News reported that a state trooper who had been working at MetLife Stadium during the siyum pulled over a Jewish driver on the Garden State Parkway the very next day for a traffic violation, asking the man if had “learned his page yet today.” When the driver replied that he had not, the trooper agreed to let him off with a warning if he agreed to do Daf Yomi that day. Bringing the words of the Hadran to life on the first day of the new Daf Yomi cycle on Sunday, 5,000 people signed up to learn the first page of Masechta Brachos in memory of ArtScroll founder Rabbi Meir Zlotowitz, a”h, whose translations opened up the world of Shas to the masses. It was a standing room—only audience at Lakewood’s Lake Terrace as 300 people turned out for a live

Daf Yomi shiur given l’ilui nishmas Rabbi Zlotowitz, with another 2,500 joining in remotely, making it the largest Daf Yomi shiur in history.

Local Man Recognized with Dual Awards for Quick Thinking in Chanukah Terror Spree The Monsey area man who put himself in harm’s way during the Chanukah attack in Rabbi Rottenberg’s home, while also helping police nab the perpetrator a short time later, has been recognized for his bravery by elected officials. Yosef Gluck was presented with the 2019 Ramapo Freedom Award last week by Town Supervisor Michael Specht. Accepting the award at Ramapo Town Hall in a room packed with elected officials and local leaders, 32-year-old Gluck publicly thanked Hashem for the miracles that took place during the attack, noting that had Grafton Thomas come just a few minutes earlier when the house was fuller, or slightly later when there would have been women and children in attendance, the situation could have been far worse. Gluck rescued a child from Rabbi Rottenberg’s home and threw a marble-topped table at Thomas, ending the attack and prompting Thomas to flee the scene. Gluck recorded Thomas’s license plate as he sped away and gave it to authorities who were able to pinpoint his car using plate readers at the George Washington Bridge, as previously reported in The Monsey View. Standing with his wife and five children, Gluck was recognized yet again for his heroism by State Senator David Carlucci who presented him with the New York State Senate Liberty Medal on Sunday. The medal is the highest civilian honor awarded by the State Senate. Gluck downplayed his actions saying, “G-d placed me in this place at this moment to do what I had to do, so I don’t even think I had a choice.” But Carlucci discounted Gluck’s humility, noting that the casualties would have been far worse had he not intervened. “We can rest a little bit easier because of the heroic work that Yosef did,” said Carlucci.

Cuomo Announces $45M in Security Funding for Shuls and Yeshivos as Thousands March Against Hate in Brooklyn Addressing a crowd of 10,000 who marched across the Brooklyn Bridge on Sunday to denounce anti-Semitism, Governor Andrew Cuomo announced that an additional

$45 million would be devoted to provide additional protections at religious and cultural institutions in New York State. The funding is being made available through the state’s Securing Communities Against Hate Crimes Grant Program and would be earmarked for shuls, schools, community centers, non-profit day care centers and day camps. Referencing both the Chanukah attack in Monsey and numerous anti-Semitic incidents in Brooklyn, Cuomo vowed to stamp out hate crimes, something he described as “the cancer of hate and intolerance.” Cuomo led the marchers through Manhattan and across the Brooklyn Bridge, carrying a banner bearing the words “No Hate, No Fear.” "I'm heartened to see this amazing show of support and solidarity. Literally over 10,000 people have shown up to show support and love for the Jewish community, and that's New York at her best," said Cuomo. But Assemblyman Simcha Eichenstein accused the governor of seizing the moment for political gain, saying that the $45 million in funding had already been approved a year ago in the state budget and calling for new funding to be dedicated to protecting schools and shuls.

Out-of-the Box Thinking Costing Local Shoppers Rising costs and an upcoming ban on plastic shopping bags intended to minimize trash and pollution will be hitting Monsey shoppers hard, with local grocery stores now charging customers for boxes to hold their purchases. New York State implemented a ban on plastic shopping bags that will go into effect on March 1, and according to a store manager at Rockland Kosher Supermarket, the 50cent fee per box is a direct result of that legislation as well as the rising minimum wage rate and other increased costs. Stores are also charging $1 per box for empty boxes. According to the New York State Department of Environmental Conservation, stores statewide that are required to collect sales tax will no longer be allowed to provide “plastic carryout bags.” Bags that are used to wrap raw meats, fish and poultry; bulk items such as nuts, candy, fruits and vegetables; newspaper deliveries; and restaurant carryout or delivery bags would be exempted from the ban. Dry cleaner, laundromat and pharmacy bags would be also allowed under the new law. Stores would be allowed to continue using paper bags and boxes, but would have the option of charging customers for those items. According to The Journal News, stores that continue providing the plastic bags could be subjected to fines of up to $250 for a first offense and up to $500 and $1,000 for second and third offenses within a twelve-month period.

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Recap: Tzippy, who is having a hard time making ends meet, is amazed that her friend Avigail, who has a paying job and can shop easily for whatever groceries she wants, envies her. Reading the paper, Avigail is shocked to learn that Eliyahu and Elisheva Potolsky have just won a huge, brand-new furnished apartment! “Have you gone to see the apartment yet, Elisheva?” Yocheved, Eliyahu’s oldest sister, began the call without any small talk or niceties. “I didn’t know you’re the type, you know, who buys raffle tickets.” “I don’t buy them,” Elisheva said. Her pre-lunch nap had now been disturbed for the fifth time by an excited phone call. Her head had ached terribly this morning after a night of talking and efforts to digest this news — efforts that had not been crowned with much success. So this morning she’d sent Tzippy to work at the daycare center instead of her. “What? You didn’t buy any tickets for this raffle?” “Nope. My father did.” “Your father? Wow!” “Yes. He bought three tickets — for us, for Miri and for Tzippy… and our ticket won.” For the fourth time, at least, she listened to herself objectively, as though she was just an observer, with interest. Our ticket won… Our ticket. It was one thing when people who purchased raffle tickets dreamed about the fraction of a chance they had of winning. But she? Them? Eliyahu and Elisheva Potolsky? Was it really them who had received that phone call last night? “For Tzippy? Why did he buy a ticket

for Tzippy?” “I don’t know, Yocheved.” “She has a beautiful apartment already, doesn’t she?” “Yes. But my father didn’t consult me.” “So let’s hear! Where is your new apartment?” “In the new buildings at the end of Chazon Ish.” “I don’t know Bnei Brak very well, but I take it that the location works for you. And what does ‘furnished’ mean? What does it have?” “I don’t know.” “Is it just standing and waiting for you with furniture? Or will they give you credit and let you choose the furniture you want?” “I think we get to go buy it.” “And they didn’t tell you exactly how much they’re giving you?” “No, not yet.” “How big is it exactly?” “If I understood correctly, it has eight rooms, plus a large porch.” She looked at the half-empty laundry basket. What had she done with all the clothes that were in it? Had she folded them? No, they were in a big pile to her left. “I hope that my father will agree to come live with us there. I told him that I’m planning to make him

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an apartment.” “He kept refusing to come live with you until now, right?” “Right, and I understand him. Until now I wouldn’t have been able to give him his own space, with the quiet and relaxation that he needs.” She glanced at her tiny, overcrowded home. The home that, when all was said and done, she loved very much. “Elisheva, it sounds absolutely amazing.” “I know.” Elisheva took a deep breath and returned the clothes to the basket. “It really is amazing.” So amazing, in fact, that she was beginning to fear ayin hara. “I didn’t even know that my father had bought the ticket for me.” “And they just called you out of the blue?” “Yes.” “Seriously… this sounds like a fairy tale.” Somehow, the word “tale” seemed to ring with a tone of distrust in Elisheva’s ears, but she didn’t have

It was going to be very difficult for those people to swallow yet another windfall for the Potolsky family. any energy to apologize for a raffle ticket that she had not purchased. And even if she would have purchased it, why should she have to apologize? It’s as if people expected her to feel uncomfortable about this surprise windfall. It was fine — thank you, everyone — but she was discombobulated enough as it was. “And you were totally shocked, huh?” “‘Shocked’ is not the word. We’re still feeling that way.” She plumped her pillow and ran a hand over her aching forehead. She already despaired of sleeping. Now, after six calls, some of which she’d answered and some not, she considered unplugging the phone. But then she remembered that the representative from U’shemartem had gaily informed her that she would be contacted again this morning to arrange the legal transfer of the apartment to their name. And so the phone call marathon continued. U’shemartem had put an ad in the paper that morning listing all of the winners. How she wished they would have asked permission from them first. Wouldn’t it have been better to remain anonymous? Here and there, she noticed people like “G. Family, Ashdod” or “K. Family, Beit Shemesh” listed as prize winners for various raffles. She’d always thought that kind of thing was a bit shady and had never much trusted all these Chinese auctions and what-

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not. It was for this exact reason, as Eliyahu had explained to her that morning — after he’d gotten regards on his way home from shul from people who had already seen the paper — that U’shemartem did not want to publicize their winners anonymously. Theirs was a serious operation, and they weren’t looking to evoke any doubts or skepticism. Besides, he’d added, what would it help to keep their win a secret? “We’re going to move there, b’ezras Hashem. You want people to start making up stories, like we had with Tzippy’s wedding? It’s enough that to this day people don’t know what to make of the story with Korman from Australia.” Indeed, it was going to be very difficult for those people to swallow yet another windfall for the Potolsky family. ***** “Mommy, is everything okay?” Batsheva, Blumi’s sixteen-year-old daughter, wasn’t used to her mother not touching the cakes that she baked. Batsheva loved to bake, and her mother usually encouraged the hobby. But now her mother was just sitting and toying with her fork. Her father, as usual, just grabbed a bite here and there while fielding his many phone calls. No. It turned out that he had just ended a call, because he had, in fact, heard her question. “Mommy is tired,” he said. “And drained. You can imagine that this trip was no vacation for her, right?” Batsheva nodded and studied her mother. “Suri called two hours ago to say she’s going to pop over to see you,” she relayed hesitantly. “I told her I’m sure you’ll be happy to see her and Yoni.” Blumi shook her head. “Call her and tell her to come tomorrow instead, okay, Batsheva? I think I’m going to sleep.” “Yes, go to sleep,” Gideon said. “You’ll wake up tomorrow feeling better.”

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“I’m not sure,” his wife answered morosely, sinking even further into her chair. Batsheva shifted her glance from one parent to the other and remained silent. “So maybe it is a good idea for Suri to come over with Yoni now.” Gideon rose, ready to continue with the marathon of his life, as if he hadn’t left England for eleven days. “The cake was delicious, Batsheva’le. Thank you.” “My pleasure,” she said, but it came out in a near sob. “And don’t worry about Mommy. She’s absolutely exhausted, and there’s also something that’s bothering her. Not a health issue or anything like that, just something

Who are you, anonymous bachur? We don’t know where to find you, but you know where to find us! small that — ” He wanted to say “disappeared,” but Blumi was apparently not as disconnected from the goings-on in the room as she appeared. She sat up straighter in her chair. “It really is something minor,” she said, and tried to smile. “Don’t worry, Batsheva.” “Well, then,” Gideon said, somewhat relieved, “I’ll be going. And decide if you want Suri and Yoni to come over now, Blumi. I think that some time with our darling grandson might be very good for you.” “That might be,” she said. But after a minute she shook her head again. “No. I’m too tired.” But it was too late, because she heard her oldest daughter’s gentle knock at the door, and the hurried footsteps of Josephine, the housekeeper, as she rushed to invite them in. Batsheva, who felt overcome with guilt, also hurried to the door. “Hi, Suri!” she said, and quickly plucked her one-month-old nephew out of the carriage. “Look at you,

little Yoni!” she cried. But a little tear that rolled down her cheek upended her charade. “Batsheva?” Suri looked at her in surprise. “Are you all right?” “I am. But something happened to Mommy,” the sixteen-year-old whispered. “She came back from Eretz Yisroel so… so tense and distracted.” “Of course.” Suri sighed. “Her father was niftar.” “Right. But I remember how it was when Bubby passed away, three years ago. She wasn’t like this at all.” “You were too young to really remember it,” Suri said decisively, and reached for her son, who had begun to fidget and whimper. “I flew with Mommy and Tatty to the levayah then, and I remember very well the way Mommy took it. She was so broken.” “And I didn’t go then or now,” Batsheva said bitterly, “because they won’t take me to a levayah even when I’m twenty. Because I’m the youngest, I’ll probably be a baby to them forever. But I’m sure that this is not what happened then. This is something else. Then she was devastated. Now she is very worried about something.” They both walked together into the little breakfast nook. “Suri!” Blumi exclaimed from her chair. “It’s good to see you! How did you manage with little Yoni when we weren’t here?” “Baruch Hashem, my mother–inlaw is staying with us, and she’s doing a great job helping me take care of him.” “And is she here right now?” Blumi recoiled and looked around. “She called me during shivah. I thought that was enough...” “Of course she didn’t come,” Suri soothed her. She sat down near her mother. “Why should she come here right after you landed? It’s obvious that you don’t have the strength now for real guests.” Blumi was silent. I don’t have strength for you either right now, my dear daughter. I’m all messed up because of

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this yad that is lost, which is all my fault, and I’m mortified for my brothers to find out about it. It’s got to do with the same shame that has been with me since I was a little girl, the only girl in the family. The one who didn’t know anything, who acted nonsensically, and who just happened to have gotten married to a successful, wealthy man. If my brothers hear what I did with the yad, even if they can immediately find a way to deal with the issue, they will never forget it. They will never forget how I irresponsibly gave this special item to someone I didn’t know, all because of some vague imagining on my part, and how I was able to even think of such a thing during those moments. We postponed the flight for three days, fearing the moment that my brothers would remember the silver yad. But they didn’t. We waited for the person to come forward and say, “Hi, you know, you gave me something and never came to ask for it.” But no one came. Who are you, anonymous bachur? We don’t know where to find you, but you know where to find us! How can you sleep calmly at night, when you are holding onto something that doesn’t belong to you?! *****

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The “anonymous bachur” was not sleeping calmly at night at all. He was tormented that he had no idea where the package that he had been given was. He had spent a number of nights tossing and turning, wondering what to do. Because even if he knew how to find the family, what would he tell them? He probably should take himself over to that apartment and find the members of the Katz family, but he could not bring himself to do it. At least not before he raised some more money so that he could possibly cover the damage incurred by the loss of the envelope. Who needed this whole headache in the first place? It was specifically the encounter with those who would never again deliberate about what to wear, and would never again buy anything for themselves, that should have sapped him of his desire to earn money. But aside from the initial squeamishness, he had gotten very used to the “work.” There were good bachurim who did it, sure, but they were likely older than him. And somehow, with Shabsi… it wasn’t for him. But how would he earn such a sum of money, if he was refusing Shabsi’s every offer since that night at the Katz home? Should he take tests for money? Maybe that’s what he needed to do: start learning more diligently so he could take these tests, and then he could build up a nest egg for the day he would be asked to pay. It sounded almost like a sentence from a mussar sefer: “Start learning more diligently, to build up for the day you’ll have to pay.” A shame that he’d forgotten that first scary night with Shabsi so quickly… To be continued...

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I WANT TO GO HOME! The following article has been written under Rabbinical guidance:

ikki (Hanna), an 11 year old girl and an only child, thrived under her parents diligent care in their home all her life. Numerous individuals, with the aid of a local Agency, schemed against Rikki’s parents to have her forcefully removed from their home and to have her placed as a foster child in one of the collaborator’s homes. The collaborator’s scheme succeeded by involving Social Services (ACS) in their malicious agenda. Through false accusations, they had Rikki torn from her parents on October 15, 2018. The foster parents claimed to be protecting Rikki with an eventual plan to reunite her with her parents. At the same time, they were secretly filing to permanently adopt her.

The foster parents, in conjunction with the Agency, deliberately disobey doctors orders and do not provide Rikki with her proper dietary, educational (IEP/ IESP) and medical needs. Rikki’s wellbeing has therefore deteriorated drastically to the point that her life is in danger. In addition, the Agency does not allow Rikki to recite brachos and the foster parents force her to be mechallel Shabbos. Rikki is extremely distraught in her forced foster home and cries to be brought back home to her parents. She Please daven for Rikki: incessantly screams at the ‫ חנה רבקה בת שמעון ושרה ניחא‬foster parents: “You’re not my Mommy and Daddy!” to have a ‫ישועה בקרוב‬ “I want to go home!” The foster parents and Agency constantly threaten Rikki from sharing her feelings with her parents of the painful truth of her situation in the foster home. In the meantime, on April 4, 2019, the Agency succeeded in convincing the court to completely sever the biological mother from any contact with Rikki, while attempting to execute a similar scheme against the biological father, with the direct intention of quickly facilitating adoption.

!‫בקשו רחמי שמים‬

With Hashem’s help, together with much help from the community by means of public funding and influence, the adoption that was scheduled for August 15, 2019 was postponed for two months. On October 17, 2019 the scheduled adoption was again deferred, and the mother’s visitation rights which had been suspended for over six months were finally restored.

TO DONATE BY CHECK: contact Mrs. Ester Rochel Feldstein • (845) 425-2131 488 Rt. 306, Monsey, NY 10952 TO DONATE ONLINE: Go to gofundme.com search under this is a true mitzvah of pidyon shvuyim

From the day the biological parents entered court on April 14, 2016 to the present day, all claims against the parents made by ACS, the Agency, the foster parents, and their cohorts have been disproven with irrefutable evidence. Despite all this, Rikki is still not being returned to her parents due to “concerns.” No explanations are being provided as to what the “concerns” are, and the Agency together with ACS are utilizing all their tactics and resources to achieve permanent adoption in court on January 14, 2020. The parents have summoned the opposing parties to Bais Din but the parties refused to come. The Rabbonim have therefore stated that this issue must be dealt with in a legal manner. There is a case specific legal process available that is guaranteed to bring Rikki home quickly, but the legal fees to proceed with it are $180,000. The Rabbonim have stated that “According to the Torah, this is a true mitzvah of pidyon shvuyim and hatzolas nefashos and the child must be returned at all costs.” Hashem is on Rikki’s side, as He always has been (see Koheles 3:15) and will ultimately make her and her parents succeed, but as human beings, we must do our part. Please help these parents with as much as you can to bring Rikki home safely. May this campaign only reunite Klal Yisrael, stop the sinas chinom and motivate all those who harmed Rikki to do immediate teshuva, and thereby allow for the geula sheleima to come!

Biden Holds Steady, Warren Drops, and Bloomberg Surges in Recent Polling THE PULSE: A national poll of self-identified Democrats

and liberal independents conducted over the weekend by Hill-HarrisX showed Joe Biden retaining his national lead at 21%. Bernie Sanders polled at 16%, Warren and Bloomberg tied at 11%, and Pete Buttigieg polled at 6%. THE IMPACT: Biden continues to show his resilience

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and staying power. Despite his many mishaps, he still commands a sizable lead and strong support from the Democratic base. Bloombergâ€™s poll numbers are a surprise, as he has yet to appear in a Democratic debate and is not campaigning in early primary states. It seems that his colossal ad buy is having its desired effect. Warren appears to be locked in a downward spiral as her support for Medicare for All has backfired. Bernie Sanders is drawing progressive support away from Warren, and it now appears that progressive voters are choosing to coalesce around his candidacy. However, it should be noted that these are national poll numbers. Sanders leads in the polls in both New Hampshire and Iowa, and a breakout by Buttigieg in Iowa is possible. Current polling cannot take into account the potential bounce of support and surge of momentum from early state wins.

Castro Withdraws His Candidacy THE PULSE: Former San Antonio Mayor Julian Castro withdrew his nomination for the Democratic presidential nomination. Castro was once considered a rising star in the Democratic Party. His relatively young age and Latino heritage were considered an asset. Castro was the youngest member of the Obama cabinet, where he served as Secretary of Housing and Urban Development. His brother Joaquin is a Democratic congressman representing Texas’s 20th District. Castro favored the decriminalization of illegal border crossings and released detailed policy positions on how to aid people with disabilities. THE IMPACT: Castro failed to gain much traction or

support among Democratic primary voters. His withdrawal will winnow down the field but will only have a minimal impact on those candidates still left in the race. Senator Warren said that she expects Castro “to be a leader in our party and our country for many years to come.”

Trump Orders Killing of Qasem Soleimani, Democratic Contenders Criticize Decision THE PULSE: On Thursday, January 2, President Trump ordered the killing of General Qasem Soleimani. Soleimani was the head of the elite Quds Force of the Iranian Revolutionary Guard. He was arguably the second most important person in the Iranian government. A U.S. Military Reaper drone took out Soleimani while he was at Baghdad airport. The attack killed seven people, including Abu Mahdi al-Muhandis, the deputy commander of Iran-backed militias operating in Iraq. The killing came on the heels of an attack on the American Embassy by Iranian-backed Iraqi militias. President Trump and Secretary Pompeo claimed that the strike against Soleimani was defensive and meant to stop Soleimani and Iran from carrying out future attacks against America and its allies. Republicans were generally supportive of the president and praised his actions. However, Kentucky Senator Rand Paul was critical of the fact that the president did not seek authorization from Congress before the strike.

DEMOCRATIC RESPONSE: Leading Democratic

presidential contenders roundly condemned the strike. Former Vice President Joe Biden responded to the news of Soleimani’s death by saying that Trump had “just tossed a stick of dynamite into a tinderbox.” Bernie Sanders said, “Trump’s dangerous escalation brings us closer to another disastrous war in the Middle East that could cost countless lives and trillions of more dollars.” Senator Elizabeth Warren called the move “reckless” and said that it “increases the likelihood of more deaths and new Middle East conflict.” South Bend Mayor Pete Buttigieg said that Soleimani was undoubtedly a threat to safety and security, but that we must “take a strategic, deliberate approach that includes consultation with Congress, our allies, and stakeholders in the Middle East.” Andrew Yang went on record to say that “War with Iran is the last thing we need and is not the will of the American people. We should be acting to de-escalate tensions and protect our people in the region.” Corey Booker was emphatic when he stated that “We have a president who has no strategic plan when it comes to Iran and has only made that region less stable and less safe.” Amy Klobuchar called on the administration “to fully consult with Congress” and questioned the timing of the strike. THE IMPACT: Iran threatened retaliation against U.S. interests, and President Trump threatened counter reprisals. The coalition fighting ISIS announced that it was suspending operations to instead focus on securing U.S. bases in Iraq and the Middle East. The Iraqi Parliament voted to expel U.S. troops from the country, and Iran announced that it would no longer abide by the limitations that it committed to in the Iran nuclear deal. It is an open question as to what happens next. The elimination of Soleimani is a blow to Iranian influence in the region, as he was the mastermind behind Iran’s regional strategy. Theoretically, this should provide a window of opportunity for America and its allies to exert their influence in areas that are currently in flux. However, the death of Soleimani will likely hinder the fight against ISIS, as America will now lose the cooperation of Shias who are opposed to the Sunni group. Furthermore, should the Iraqi government place limits on U.S. activities in the country, or in the unlikely event that it carries out on expelling U.S. troops, it will further hinder U.S. influence in the region. Perhaps the biggest issue would be if Iran rushes to attain a nuclear weapon. The U.S. is currently isolated in its approach to Iran and its nuclear program, and it may find itself in a precarious situation with no good options available to pursue.

January 8, 2020 / THE MONSEY VIEW / 103 www.themonseyview.com / 845.600.8484

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1-2-3 COOKIE SQUARES

By: Chana Rivky Spitzer Photo credit: EPIC Portraits 845-213-8865

The Chanukah licht have long died down, but their inner light continues to shine bright inside. After a season of so many oily latkes and doughnuts that will keep us greased and fueled until next Chanukah, itâ€™s time to lighten up! These cookie jar fillers will satisfy your sweet tooth â€” and your resolve for healthier eating.

Cinnamon Crisps

THE MONSEY VIEW / 107

Basic Dough Use this dough to create any of the cookies featured below.

INGREDIENTS 2 eggs 1⅓ cups sugar 1 cup oil ½ cup water 1 T. vanilla extract 3½ cups white whole-wheat flour (see note) 1 cup all-purpose flour ⅓ cup potato starch or cornstarch 1 T. baking powder Pinch salt

DIRECTIONS 1. Beat eggs with sugar and oil. Add water and vanilla. Mix. 2. Sift in remaining dry ingredients and combine. Dough will be somewhat sticky. Allowing dough to rest a bit will make it easier to work with. Note: Change proportions/ types of flour according to your liking. The starch gives the cookie a creamier texture, but you can substitute it with ⅔ cup flour if you prefer.

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Cheesecake Squares

110 / THE MONSEY VIEW

Cheesecake isn’t exactly your everyday coffee treat, but these soft, creamy squares satisfy that craving without any guilt trips.

INGREDIENTS Half of the dough recipe; makes two 9x13 pans

CHEESE TOPPING 1 lb. cottage cheese (whipped tastes best, but any type will work) OR farmer cheese

Cinnamon Crisps

2 oz. whipped cream cheese

These cookies are a blank canvas ready to be topped with your imagination. Anything goes!

½ cup Greek yogurt or sour cream

INGREDIENTS

¾ cup milk

A third of the dough recipe; makes one large cookie sheet

1 tsp. vanilla extract

TOPPING OPTIONS

⅔ cup sugar

Cinnamon/sugar

2 eggs 1 T. cornstarch (or 2 T. flour)

Cocoa/sugar Vanilla sugar

DIRECTIONS

Chopped nuts

1. Preheat oven to 350°. 2. Line two 9x13 pans with parchment paper. Divide dough in half and press into pan, extending dough up all sides a bit. Bake for 8 minutes. 3. Measure filling ingredients into a bowl and blend with a hand blender until smooth, or beat very well with a fork. 4. Pour filling over hot dough and bake for 20 to 25 minutes, until the filling is just set. 5. Allow to cool before cutting into squares.

DIRECTIONS 1. Preheat oven to 350°. 2. Cut a piece of baking paper to fit the cookie sheet. Flatten dough onto paper using a rubber or silicone spatula (dough won’t stick to spatula). 3. Sprinkle with your choice of topping. 4. Bake for 20 minutes. Cut into squares while hot, or allow to cool and break into large uneven pieces. Note: For a change of flavor, bake cookies plain. Melt some chocolate — or chocolate and peanut butter — in a bag placed into a cup of hot water. Pinch a hole in one corner of the bag, and drizzle chocolate over cookies.

January 8, 2020 / THE MONSEY VIEW / 111 www.themonseyview.com / 845.600.8484

Apple Pie Sandwiches

112 / THE MONSEY VIEW

The apple layer keeps these bars so soft, they melt in your mouth. Enjoy them warm and fresh, but make sure to freeze a few, because some might actually prefer them straight from the freezer.

INGREDIENTS Two-thirds of the dough recipe; makes one large cookie sheet

FILLING 2 cups unsweetened applesauce ¼ cup sugar 3 T. flour 1 tsp. cinnamon

DIRECTIONS 1. Preheat oven to 350°. 2. Cut a piece of baking paper twice the size of your cookie sheet. Flatten dough onto paper using a rubber or silicone spatula (dough won’t stick to spatula). Slide onto cookie sheet, letting half of dough extend off sheet. 3. Combine filling ingredients and pour over the half of the dough on the cookie sheet. 4. Holding two corners of paper, lift unfilled dough and cover the applesauce layer. Carefully peel paper off top dough and trim excess paper. 5. Bake for 35 minutes. Cut into squares.

January 8, 2020 / THE MONSEY VIEW / 113 www.themonseyview.com / 845.600.8484

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2. 1.

Can a notary public who is notarizing a loan violate a Torah prohibition of charging interest?

118 / THE MONSEY VIEW / January 8, 2020 www.themonseyview.com / 845.600.8484

If I go shopping with friends and lend them my credit card, could the chesed I am performing become an aveirah?

If I give someone a kibbud because he loaned me money, does this violate the prohibition of ribbis?

May I add late charges to a bill to make sure that my customers pay on time?

January 8, 2020 / THE MONSEY VIEW / 119 www.themonseyview.com / 845.600.8484

As we will soon see, if someone does not think about the ramifications of the laws of ribbis, they could easily violate the Torah in each of the above cases. What is even more important is that the prohibition of ribbis can be avoided in most instances, usually simply by being aware that there is a ribbis issue and creating a heter iska instead, a concept that I will explain. This demonstrates the importance of keeping the prohibition of ribbis in mind and realizing that one needs to ask a shailah regarding what to do when a question of this nature presents itself. First we need to understand why each of the above cases violates ribbis, and then how to avoid violating this serious prohibition.

120 / THE MONSEY VIEW

Can a notary public who is notarizing a loan violate a Torah prohibition of charging interest? Let us begin by quoting the Mishnah (Bava Metzia 75b): The following people will violate a lo saaseh [if they participate in a ribbis loan]: the lender, the borrower, the cosigner and the witnesses. The Sages rule: Also the scribe who drafted the loan document. Clearly, we see from this mishnah that anyone involved in creating an interest-bearing loan between two Yidden violates a Torah prohibition. To explain the Torah source for this mitzvah, we need to realize the difference between singular and plural, which in modern English has been lost, unlike most languages on the globe. The Torah teaches, “When you (singular) lend money to a member of My people, to the poor person among you, you (singular) shall not act with him as a creditor usually does; you (plural) may not place interest upon him” (Shemos 22:24). The pasuk is written in singular form, lashon yachid, except for the command, “You may not place

interest upon him.” Midrashic and halachic sources derive from here that anyone who was involved in creating the interest-bearing loan violates the prohibition of “placing interest,” lo sesimun (Shemos Rabbah; Levush, Yoreh Deah 160:2). Thus, a guarantor of such a loan, the notary public, and possibly even the attorney who drafts a document that includes provisions for ribbis all violate the laws of ribbis (Bris Yehudah 1:6). Is there any way to avoid this violation? The obvious way is not to notarize such a document. There is another solution: to redraft the loan document so that it is a heter iska. A heter iska is a halachically approved way of restructuring a loan or debt so that it is an investment rather than a loan. One is permitted to create a heter iska even when we are only trying to find a kosher way of creating a transaction that is very similar to an interest-bearing loan (Terumas Hadeshen #302). However, it must meet the requirements of a heter iska. If it does not, it will still be prohibited.

Please your palette

AT THIS POINT LET US ADDRESS OUR SECOND QUESTION:

If I go shopping with friends and lend them my credit card, could the chesed I am performing become an aveirah? In true Jewish fashion, I’ll answer this question with another question: When the purchaser uses the credit card, to whom is the credit card issuer (usually a bank) lending the money? The answer is that they lend the money to the person who is responsible to pay the credit card bill, not to the person who made the purchase. But who will be paying the credit card bill afterward? If indeed the person in whose name the card is issued pays the bill, then only one loan takes place. However, if the purchaser intends to pay the bill, then two loans have taken place: one from the bank to the owner of the card, and a second from the owner of the card to the purchaser. Now what happens if the credit card loan incurs interest charges and the purchaser chooses to pay them? Even if the purchaser pays the bank directly, he is paying interest that the owner of the card (who is the one who borrowed from the bank) is obligated to pay. In other words, the purchaser is paying interest on a debt that the cardholder would otherwise have to pay! This violates ribbis. There are at least three ways to avoid this problem:

Minimum Patchke. Maximum Presentation.

The easiest is if either the purchaser or the cardholder pay off the debt before it incurs any interest fees. In this instance, there is no interest payment and therefore no violation of ribbis. The second way is by having the cardholder pay the accumulated interest. In this instance, the purchaser who borrowed the card is paying only what he borrowed, and thus there is no violation of ribbis. Of course, the cardholder probably did not have this in mind when he “lent” the purchaser his credit card! A third way would be to create a heter iska for this transaction. A heter iska appropriate for this type of situation is located in Rabbi Yisroel Reisman’s excellent work, The Laws of Ribbis, on pages 126 and 127.

had not lent him money (Tosafos Bava Metzia 64b, s.v. Avol). Similarly, it is prohibited for the borrower to thank the lender for the loan (Graz, Hilchos Ribbis #9). It would seem to this author that it is prohibited to give the lender a kibbud because of the loan.

AT THIS POINT, LET US DISCUSS THE THIRD OPENING QUESTION:

Halacha prohibits charging for the use of one’s money even when a loan did not actually take place. Thus, a merchant may not add interest charges to a bill (sent to a Yid) because it is past due. It is permitted, however, to charge for the actual expenses that were accrued since the merchant had to send an additional bill as well as any other collection costs he incurred. There are authorities who permit a one-time late fee, but this is a complicated topic that needs to be discussed with an individual’s rav. If a merchant wants to add interest charges to his bills, he can have a heter iska drafted specifically to cover this situation. In this instance, he would keep a copy of the heter iska document, and include on his statement or contract that all transactions are according to heter iska. He should consult with a rav to know exactly how to word this declaration and how to make this heter iska in an acceptable way. The Chofetz Chaim notes that if someone can lend money without compensation, he should certainly do so and not utilize a heter iska, because this is the mitzvah of performing chesed (Ahavas Chesed 2:15).

If I give someone a kibbud because he lent me money, does this violate the prohibition of ribbis? In general, the laws of ribbis prohibit the borrower from giving the lender anything that he would not ordinarily do for him. For example, it is prohibited for the borrower to bring a small gift to the lender as a token of thanks for the loan (Mishnah Bava Metzia 75b). The lender may not ask the borrower to do him a favor that he would not have asked him if he

LET US NOW DISCUSS THE L AST OF OUR OPENING QUESTIONS:

May I add late charges to a bill to make sure that my customers pay on time?

LET ME CLOSE with a thought from

Rav Hirsch concerning the reason the Torah prohibits interest. The Torah’s prohibition is to demonstrate that the financial bounty we receive from Hashem is for donating tzedakah and providing loans. The Torah’s goal in banning the use of capital for interest-paying loans is to direct excess funds to chesed and tzedakah. Rabbi Levi Cohen is a highly respected rosh kollel, rav and dayan who has much experience in the halachic ramifications of commercial law. Individuals who would like to discuss issues with him may contact him through the offices of The Monsey View.

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When More Doesn’t Make It Merrier Many times people find themselves in a situation where they wish they had more money. They think, “I need more money,” “I should make more money,” or, “Money would fix this.” But more money isn’t always the answer. If someone is unable to manage what they have, more money often means only more of a mess. When it comes to managing money, we can divide people into two categories. The first type make money very easily — they’re money magnets — but it’s almost like there’s a hole in their pocket. They find it very hard to hold on to their money and put some into savings. Even after earning a lot, they might still find it hard to cover the month. We call this leaking money. It makes no difference if they earn very little and spend a little more than that, or if they earn a lot and spend a little more than that. We’ve seen people who make over $20,000 a month finish every month in a deficit. That’s an example of leaking money — there’s no money map, budget or financial foundation, only more money creating a bigger mess. Then there are people who don’t make money very easily — but they find it easier to save. Perhaps it’s because they work harder for their money, or maybe it’s because they have different priorities, but they don’t spend a lot; they budget carefully. Oftentimes, though, they can’t either cover the month, because they don’t know how to attract money. What causes us to fall into either category? All of us have habits and emotional blockages that may hinder our ability to receive and manage money. Here are some blockages and how to fix them.

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LIMITING BELIEFS The Problem Limiting beliefs about money can affect both our earning potential and our ability to keep what we earned. If someone has negative views about money, it will not come to them easily, nor will they be able to manage it effectively. These beliefs are cultivated as a person grows up. It can stem from hearing parents voicing these sentiments, what is taught in school, or even conclusions a child drew on their own from negative experiences along the way. Some limiting beliefs are: • The belief that money is wrong, bad or not ruchnius’dig (pas ba’melach sochel…) • The belief that money is scarce (money doesn’t grow on trees!) and that there is never enough • The belief that having money in this world will compromise one’s portion in the World to Come

The Fix Money is not inherently good or evil. It’s simply a tool. Some people use it for good; others fail to do so. Hopefully, you can be one of the people who are responsible around money. We believe that the money we make isn’t ours. Rather, it was entrusted to us by Hashem to manage. Therefore, it is our responsibility to manage it wisely and well, to give maaser, to provide for our family’s needs, and to share what we can. (The money rule should be: Use some, give some, save some and live some.) The thoughts we think, and our beliefs, manifest themselves in our lives. You don’t have to hold onto beliefs that no longer serve you. Remember that Hashem created an abundant universe and gives us “kol tzorki.” Hashem will always give you what you need if you believe He will. Here are some answers to the examples given above: • We know that riches are a blessing because the Torah tells us so. Hashem loves us and He wants us to have the best of everything. • Hashem is infinite and omnipotent, and He can do anything. He most definitely can give us, as well as everyone around us, more than we need to cover our needs. No, money doesn’t grow on trees, but that doesn’t mean there isn’t enough! • Everything in the world can be used for good. Your money can also be used as an investment to do even more good in the world to multiply your merits as opposed to depleting them!

If you’re operating from a limiting hashkafik perspective (that money is wrong), ask your rav or rosh yeshivah to help you find some of the places in the Torah where money is mentioned as a blessing, or in relation to a mitzvah or positive commandment. And count to see how many times it comes up! Adopt a pasuk like that as your new money mindset.

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AVO I DA N C E The Problem It’s easier to bumble along than to take control and do something about straightening out one’s finances. Avoidance is exactly what it sounds like. For some people, it might mean not checking their bank accounts, not creating or sticking to a budget, or not knowing exactly how much they make or how much they owe. It never ceases to amaze us that so many people have no idea what their credit card balances look like; their closest guess is sometimes off by tens of thousands of dollars. We’ve also seen a couple of clients who didn’t know what their total assets were — and when we asked for the breakdown, they realized they had almost double than what they thought, which is a huge difference when you’re talking about hundreds of thousands of dollars! Sometimes people avoid taking control of their finances with the excuse of “leaving room for Hashem to make miracles.” But we have to believe that Hashem is great and that if He wants to send us bounty, He can do so whether or not we check our bank account balance daily.

The Fix • Start by creating an inventory of what you have (assets) versus what you owe (debts). • Know your income, track your expenses and budget accordingly. (You can download a helpful spreadsheet with common expense categories from our website www.rushmore.financial.) • Check your bank balance at least once a week to keep track of available funds.

RESENTMENT The Problem Many people feel resentful about parting with their money when they pay their bills or buy something they need. They might be thinking, “I wish I wouldn’t have to do this.” Some people also feel resentful when their richer neighbors or friends throw a lavish simcha or party. They might think, “Let them plan a more modest event and give the rest to tzedakah…” (As if their friends would give it to them!) These feelings of entitlement and unwillingness to part with money paints the entire financial picture in a negative light. In addition, those having trouble parting with money many times also find it

harder to earn money because there’s an imbalance with the natural flow of money coming in and going out.

The Fix Practice this: When paying bills or buying something for yourself, try an attitude of gratitude. Say, “Thank you, Hashem, for giving me the means with which to pay for electricity and have the blessing of light!” Or, “Thank you, Hashem, for giving me the ability to pay for this new coat that will keep me warm throughout the winter!” Doing this helps replace resentment around parting from your money with gratitude for your ability to do so, and this attitude makes life much more pleasant.

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TIGHTFISTEDNESS The Problem People who are tightfisted are prone to hoarding money for a rainy day. They are almost too cautious around money, often scared to spend, and will never spend on anything they can do on their own, even if it’ll save them time and hassle. They find it hard to give tzedakah, because they operate out of a “lack” mentality and a “there’s never enough” belief system. Tightfisted people value security above convenience or pleasure. They penny-pinch so as not to run out of funds. They will seldom “spend money to make money,” because they believe it’s not worth the risk; to them it’s just easier to save what they have than to make more.

The Fix Having some savings and an emergency fund is great. But what’s money if you don’t enjoy it? Money is meant to be used, spent and to change hands. Start by telling yourself, “Hashem always gives me what I need. I always have what I need at exactly the right time.” If you find yourself nervous about parting with your money, thinking, “Maybe it’s not important enough... Maybe I’ll need the funds for something else,” realize that we live in an infinite reality; there is always more where that came from. Regarding giving tzedakah, the Torah gives us great advice: It’s better to give $1 to a hundred people than $100 to one person. That’s because the more we give, the more we train our souls to be generous — and the more we internalize the message that there’s always more where the money came from. Here’s a mantra that can help you if you’re tightfisted and generally anxious about not having enough: “I live in an infinite universe. Hashem gives me everything I need.”

G U I LT A N D S H A M E The Problem If you have guilt or shame around money, it may manifest itself in your feeling undeserving or unworthy. Or, you may feel guilty for being better off financially than friends and family. People who are this way aren’t necessarily tightfisted in all areas; they may have no issue with spending money on their family, friends and even strangers, but they find it hard to spend it on themselves. Do you find yourself picking up something you really wanted, and then putting it back on the shelf — and doing this often? The rationalization is either that you “don’t really need it” (don’t confuse this with overspending on things you really don’t need — here we’re referring to shopping with money that is budgeted in exclusively for you, but you have a problem using

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it as such) or that you’d rather save up for something bigger for yourself — like a sheitel or vacation — but somehow the money always ends up being used for other people before you get there. Feeling guilt and shame keeps you from receiving money (refer to “Not Receiving” section), and it also keeps you from using money for necessities for yourself.

geously flamboyant that will create waves. But using your money in a tznius’dig fashion (after giving and sharing) is what money is meant for. It will make you a happier, healthier person, and the bonus will be that you’ll get better at making money, too! Practice telling yourself, “I am worthy and deserving of using the money that Hashem has given me.”

The Fix

Note (and important disclaimer!):

When you focus on using some money for yourself, within your budget and within your means, you are affirming to yourself that you matter. You are worthy and deserving. Yes, of course you should help family and friends who are struggling. And no, if you live in a kollel community, you shouldn’t be driving or doing something outra-

Most people suffer from the opposite problem — overspending (see next topic). Even if you’ve been feeling deprived, spending more than you have at any given time is a bad idea. This section is not addressed to people who don’t have enough cash — it’s for those who don’t allow themselves to spend on themselves what they can afford.

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OVERSPENDING

OVERGIVING

The Problem

You’ll know you’re out of control in this area if you find yourself making impulsive purchases or maxing out your credit cards often. Retail therapy has become a “thing.” Some of us shop for fun, others to calm our nerves. In extreme cases, some may have bags of unused purchases lying around in their closets, yet still shop for more.

Giving tzedakah is a huge part of our lives, and perhaps even a main purpose of our money. But you know it’s become an issue when your mortgage and tuition are late, yet you keep giving large donations and signing up for automatic payments to every organization that sends a mailing to you.

The Fix

The Fix Commit to buying only what you really need or want, as opposed to everything you see. Keep a “to buy” list as well as a “needs” list. Before you buy something, ask yourself, “In what way will this improve or add value to my life? Budgeting is super important here. Know how much money you have to spend on different categories, and don’t spend more than you make!

The Torah, in its wisdom, tells us to set aside maaser, and teaches us the concept of sharing 10% of our income — or, for those who are in a position to give more, 20% — with those who are needier than us. Before you donate more than that, make sure that all of your bills are covered, that you don’t owe anyone money, and that your own family is provided for.

NO BOUNDARIES The Problem If you have a problem setting boundaries in general, it’ll become an issue around money, too. Do you find yourself always being the one to pay when you go out with friends? Perhaps you offered once or twice, and then everyone came to expect it of you... Are you the one always driving your friends around, and then they all let you pay for the gas and tolls without chipping in?

The Fix Setting boundaries protects yourself as well as your wallet and makes gifting your friends fun again — because you do it when you want to, not because you feel pressured to. Clear guidelines for yourself as well as clear communication with your friends and family are key to fixing this issue. Decide what you want to give and when, and then communicate it clearly. For example: “I’m happy to drive everyone to the event if we split the gas and tolls.” Or, “I’ll pay for everyone’s drinks, but let’s each pick up our tab for the food.”

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NOT RECEIVING The Problem People who have trouble receiving money literally push money away — both metaphysically (money will not come to them as easily because they are mentally or emotionally not ready for it) and physically. Were you ever tipped or gifted (money or something else!), and instead of accepting graciously, said, “No need! Please, no, you don’t have to!” Do you find people having to literally push money into your pockets after you babysat or picked something up from the grocery for them… because you wouldn’t take it otherwise? Do you throw gifts or compliments back into people’s faces? If you own a business, do you undervalue your worth by charging less than market value, even when you’re a competent professional? Or do you find yourself offering discounts before your clients even ask? Do you find it hard to state your service fee without flinching? If you are doing any of these, you are blocking the flow of money coming to you, simply by not opening yourself up to receiving it.

This can be because of underlying issues with your own self-worth (I don’t deserve it! Who am I to charge? Who will pay little old me?), because of guilt or shame around money (based on limiting beliefs), or, as strange as it sounds, fear of success.

The Fix Work on acknowledging your own inherent worth. If you woke up this morning, that’s Hashem’s vote of confidence in you — it means He decided that you have something to give this world. Practice accepting gifts, compliments and money graciously. Simply say thank you or, “Wow, that’s an honor.” Let yourself feel the warmth of their gesture or of your own accomplishment flowing through you. Keep a wish list or a spending list and plan on what you’ll do if you get some unexpected money. Knowing what you want to do with that money will eventually remove the fear of success, which is most usually a fear of the unknown, fear of losing what you made, or a fear of change.

THE BOT TOM LINE These thinking patterns and habits keep many of us from managing our money properly and in a way that works well for us. Once we do the inner work to resolve them, making — and keeping — money should become easier. The trick is to always remember to create and stick to a budget. This is your financial foundation; it is the money map that tell your dollars where to go before you wonder where they went. Keep your mind open to resolving whatever mental and emotional blockages come up again. And daven, daven, daven — that really is the bottom line!

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Efraim’s Story:

ou know the kind of people whom stories happen to? That’s not me. I’m your regular hardworking guy, the kind who just does his thing without making too much trouble or noise. It’s not that I don’t enjoy good times or interesting experiences — I do. But between the myriad responsibilities of daily life, there really isn’t much room for fanfare. It began innocently enough. A dear friend of mine, whom I’ll call Naftali, celebrated the engagement of his oldest daughter. Although I’m younger than Naftali and my oldest is only twelve

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years old, Naftali and I go back years, so his simcha was mine. Maybe it’s because I know Naftali well, or maybe it’s because I’m a more intuitive kind of guy, but from the start I realized something wasn’t right. Instead of an elated father-in-law-to-be, Naftali appeared more and more washed out as the engagement period proceeded. With time, I completely stopped asking him about the wedding preparations, since every time I did, a flash of pain or a grimace would cross over his face. Then, just as suddenly as the look would appear, it would be gone, and Naftali would be back to his usual jovial self. Finally, the night of the chasunah arrived. There was traffic on the way home from work, and by the time my wife finished getting the kids into bed, it had gotten rather late. We arrived at the wedding in the knick of time, just as the music for the chuppah began to play. I sat back and felt my eyes tear as I watched Naftali lead his young son-inlaw down the aisle. I davened that their mazel should be as beautiful as this special night, and in the back of my mind, I hoped that the worry I had seen on Naftali was nothing more than regular pre-wedding nerves. Soon the chuppah was over, and the chassan and kallah were serenaded off, surrounded by a joyous entourage of family and friends. I pushed my way through the crowds to reach Naftali, but much as I tried, I couldn’t. Determined, I made my way over to where the family would typically be taking pictures at this time, but the room was empty. Confused, I headed to the dinner hall; perhaps Naftali was there. But still, no Naftali. I felt my concern grow. I sat down at the nearest table, and waited. The dinner hall was slowly filling with guests, all of them ambling around, waiting to begin the meal. But the tables were bare of food, without a waiter in sight. I waited five minutes. And then another. And then it hit me. Like a man possessed, I raced to the kitchen and demanded to see the caterer. One look at his face explained it all.

“No payment, no food,” he boomed, hands up in the air. I tried reasoning with him, but it was to no avail. The more I pleaded, the more agitated he got. “I’ve seen this before!” he shouted. “It’s the same story every night. They say they’ll pay at the event. Well, I’m no fool. Until the check is in my hand, not one crumb leaves this kitchen.” With that, he slapped his hands onto the metal counter and looked up stonily, daring me to disagree. My head was pounding as a million thoughts raced through my mind. I looked at the serving trays, loaded with food, with nowhere to go. I thought of the guests, the mechutanim, and the creases on Naftali’s face that seemed to deepen every time we met. Whatever trouble he was in, Naftali didn’t deserve this humiliation. I knew what I had to do, and so I did. Hands trembling, I reached into my pocket, but in my heart, I was calm. The total came out to $10,000. Credit card in hand, the caterer gave his orders and the food went out. From that point on, things moved quickly. Moments later, the meal began, the guests none the wiser. Naftali resurfaced just before the musicians were to begin the first dance. I approached him, not meeting his eyes so he should not even suspect what had happened, and he enveloped me in a warm hug as I wished him mazel tov. Arm in arm with my friend, my feet took off as our little circle began to spin. The spirited dancing increased in pace, while inside, I felt a growing nausea that I knew had little to do with any physical movement; $10,000 was no laughing matter. Determined, I pushed the thoughts of my bank account — and my frequent overdraft, and my son’s upcoming bar mitzvah — far from my mind. I felt numb, but my head was clear. I had done what was needed, and my money had landed only where it had been destined to be. Where the funds would come from, only Hashem knew. For now, it was time to focus on the dance.

Whatever trouble he was in, Naftali didn’t deserve this humiliation.

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Meir’s Story:

have nothing against chazzanus, but three hours into davening with Musaf nowhere on the foreseeable agenda was enough to drive a guy like me over the edge. I was sitting near the front of the shul with Yaakov, my old friend from my yeshivah days. We had both made it to LA for Shabbos in honor of a friend of ours who was celebrating his son’s bar mitzvah. And what a bar mitzvah it was! We had been wined and dined fully in style since our arrival in LA on Thursday night, and there we were Shabbos morning, with no sign of the luxury letting up. Davening had been one long procession of assorted singers, family members of the bar mitzvah boy, and, of course, the boy himself. At that point, I was plainly famished. I must have kvetched just a bit too loudly, since Yaakov took one hard look at me and laughed. “You think this is bad? They haven’t even started the speeches yet! We have at least a few hours before Musaf!” I snorted. “Come on, not hours!” I protested. “Well, no,” said Yaakov, “but trust me, my friend, you’ve got a long way to go.” Exaggeration aside, I knew Yaakov had a point. I had seen enough to realize that the seudah was a fairly far-off dream. “You know what, Yaakov,” I said, leaning over so he could clearly hear, “I’d pay the chazzan ten thousand dollars if he’d start Musaf right now.” “Right now?” said Yaakov with a wink. I opened my mouth to respond, but instead I was cut off... “Yisgadal, v’yiskadash!” the baal tefillah intoned. My jaw dropped as the sounds of Musaf began to waft through the room, and then ground to a halt as the baal tefillah was shushed and a speaker approached the podium. It was only later, at the grandiose post-davening kiddush, that we were able to put the pieces together. Mr. Markowitz, a member of the shul,

had a visiting brother-in-law who for some reason wasn’t aware of the bar mitzvah proceedings. The rav had asked him to take to the amud for Musaf, and oblivious to the scheduled events, he began to daven just as the speeches were set to begin. He was stopped in time, however, and Musaf took place as late as predicted. After Shabbos, Yaakov and I met up again at the grand melaveh malkah affair. “Hey, so did you give the guy the cash?” Yaakov asked, slapping me on the back. We both broke out laughing, and then Yaakov sombered. “You really might owe him the money,” he said. “You promised, and I heard it, and he started davening just when you said he should. Better go track him down before he leaves LA,” Yaakov said. I made a face. Could it really be? I had clearly offered the money in jest. And yet… A few hours later, I was at the Markowitz’s door. I asked for Mr. Markowitz’s brother in-law — the baal tefillah — and he appeared, somewhat bewildered. “Well, I don’t know how to say this,” I stammered, suddenly shy, “but this is yours.” I held out the check and placed it in his hand. The baal tefillah looked at me strangely, then peered at the check and gasped. “How did you know?” he whispered, clearly shaken. It took him some time to calm down, but when he did, he shared with me his story. “You see, my name is Efraim...”

“I’d pay the chazzan ten thousand dollars if he’d start Musaf right now.”

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Story credit: Gilyonos Shabbos Kodesh.

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Week 1

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Life at a Glance MENACHEM, age 24: works in sales LEAH, age 23: runs her own business sewing custom gowns and dresses ARON, age 3.5 MIRIAM, 18 months Both kids are in daycare. In the past year, Leah has had to cut down on work because Miriam has been sick a lot. Menachem’s job isn’t bringing in enough to cover, and their debts are catching up with them. Real numbers and real facts. Identifying details have been changed to protect privacy.

Leah: It is a cold and rainy day in October when it all finally caves in. Our financial life is a house of cards built on no foundation, and whatever’s left of the flimsy, haphazardly built structure is now tumbling down all around us into the dirty puddles. Rent is late — by a full month. All these months we had bumbled along somehow, charging our own credit cards to get cash to pay the landlord, and just trying to get by. But last month we were two weeks behind, and now we are four. Menachem comes in looking small. He had run into our landlord outside. “He said he needs his money now. They can’t wait another day. They hinted that maybe we should move.” Menachem looks shaken. He tries to hide his hurt with anger, but it’s a thin and flimsy mask for his fear. He wonders out loud why they can’t be more understanding, but deep down we both know that they’re right. We all know we have no plan. The kids are cranky; maybe they’re picking up on the tension. Or they just might be hungry. The fridge is empty, and I’m making eggs for supper again. I hate going to the grocery because I never have enough money, and I always have to put stuff back, blushing because I’m holding up a line of impatient people. I stand there, wracking my brains to see what I can do without — bread or cheese? — and stare at the screen until the number goes down to what I have. I can’t do this anymore. Menachem does the grocery shopping now. He’s at the stage where he takes ten

Coaches’ Take Chaim: Unfortunately, this is not just your story, Menachem and Leah. You are not alone in this. A staggering number of people struggle to make ends meet and can’t cover their daily expenses.

Eli: Credit cards might give you momentary reprieve when you’re checking out of the grocery and you’re broke. But it’ll only come back to bite you as you’ll be paying for your past instead of your future — and with added interest to boot!

credit cards with him and asks the cashier to try this one first, see if it works. I try not to go along, but if I ever

do, I avoid the registers when he’s checking out. It’s just

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too embarrassing. We’re maxed out, and Menachem wants to take a cash advance on my credit card, since they won’t let him do it on his anymore. I disagree

because the interest on the cash advance is through the roof, and we can only take

one out on my card. Besides, it’ll only help push us through one week, in any case, leaving us in an even deeper hole. And what’ll happen next week? I say, whatever we’ll end up doing, let’s figure it out now. It’s time to bite the bullet and try to make some sense out of all this. Menachem is mad and I feel sick. I’m not sure I’m doing the right thing. Do I even have the right to speak up? Now, not only is there no money, but our relationship is starting to suffer, too.

Eli: Setting boundaries is important in every relationship. If you’re not comfortable with something — emotionally, physically, spiritually — it is up to you to protect yourself and say, “I can’t do that.” For many people, this is very hard to do in general, especially if it will inconvenience others. It can be scary, but nobody else can do it for you, so you’ve got to step up to the plate or you’ll get stepped on. Here, Menachem has maxed out all the cards in his name and wants to take a cash advance on Leah’s. Leah understands this will not be a long-term fix, and she is uncomfortable allowing the situation to spiral even more out of control. Good for her for setting a boundary and insisting that things need to change.

Chaim: Rough finances cause headache and heartache and are the numberone cause of shalom bayis issues.

Menachem: Debt is so tight and so very heavy. The ol haparnassah seems to weigh a little more each day. The load isn’t physical, yet it seems like it is. I can feel it knotting up my back. My shoulders are sagging, and they feel permanently hunched under the crushing weight.

Breathing has become a struggle through the tightness in my chest. Money seems to fly out before it even comes in. My wife doesn’t know this, but we’re 90 days late on our car payment of $199. Of $199! It’s not as if we leased an Audi or anything. We took the cheapest car on the market! And even that I can’t swing. Every day I go to my office and do what I feel is pretend work. I’m unmotivated. Unclear. Unconfident. I work the phones and dial a hundred prospects, hoping someone will buy. I hope nobody notices the fear and shakiness that sits in a lump in my throat, like I’m choking on a golf ball. I work as a salesman on commission only. It’s hard for me to throw myself into my job when I’m so weighed down by debt, but that only causes the paychecks to keep shrinking. It’s a vicious cycle. Every day I come back home, exhausted after a long day of worrying. I hate to see my wife so pinched and tired. All I want to do is provide for my family. I want to support them like they deserve. Is that too much to want?! I can’t face myself in the mirror; I feel like a failure. Am I going to spend my whole life chasing money like a cat chasing its tail? Is that the way it’s supposed to be? Somehow, I didn’t think being a husband and father would be this way. To be continued...

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Chaim: Menachem, your story describes the sheer hopelessness and despair everyone feels in the absence of a working financial plan. It is very true and real. Debt is a crushing weight.

Eli: It feels horrible to go to work to pay for food you already ate up and items you already used, and maybe even already disposed of. People feel motivated to work when their money pays for their future hopes and dreams, not their past.

Meet the Coaches Chaim Tauber and Eli Shimon are the founding partners of Rushmore Solutions.

Chaim Tauber

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Having grown up in a home where there was no financial structure and never enough money, Chaim promised himself that his financial life would be different. And it was! He learned that he has a natural knack for balancing the books and building a sound financial foundation to support his family. Family and friends picked up on this and asked for his help in organizing their financial lives, and when he found himself working with friends of friends, he took his formal training to become a certified financial coach.

Eli learned financial responsibility the hard way, after he found himself owing over $30,000 in credit card debt. He turned to books and coaching on financial advice, made a plan, stuck to it, and paid it all off in 16 months. Having personally experienced the pain, terror and despair of crushing debt, Eli is super passionate about educating the community. He certified as a financial coach and is committed to helping his clients get to a place of financial and personal freedom.

DEBT IS CRUSHING, AND GOING THROUGH IT CAN BE A LONELY JOURNEY. IF YOU NEED HELP, WE’ VE GOT YOUR BACK. YOU CAN REACH US AT 845.204.8647. Rushmore Solutions of fers f inancial education and guidance to people in all f inancial brackets. We’ll teach you how to map out your f inancial goals, get out of debt, create a budget, manage money ef fec tively, and plan ahead for simchos and retirement. Connec t with us at w w w.rushmore.f inancial.

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ASK THE THERAPIST Q: I have a four year old who cannot fall asleep at night. He comes out of bed and needs me to tuck him in (several times) or give him food. This goes on for several hours; resulting in no time to myself all evening. Any advice? A: Many children have difficulties unplugging from being active to quieting down to sleep. Some sleeping issues may even be genetic. I would recommend that you tell your child that you will read a book or two, talk with him for few minutes, tuck him in, say shema and then you will leave the room. He should have water near his bed and bathroom privileges that involve only him after that. Tell him he can play, think or look at books for as long as he wants but he cannot come out of the room (except for bathroom) or call for you. Do not give him any attention (good or bad). Do not get angry as he tests you for the first week; he will learn he cannot get attention this way. Do not let him sleep late because he went to sleep late. Make him aware of what it feels like to be tired (“ I think you are cranky because you are tired” or “ I see you are yawning a lot. You must be tired”). Remind him at night how hard it was to get up that morning. These tips should start the process of developing inner discipline and responsibility for his own well being. Malka Harris Susswein , LCSW YOU CAN EMAIL YOUR QUESTION TO PROJECTOHR@CMADC.COM

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January 8, 2020 / THE MONSEY VIEW / 157 www.themonseyview.com / 845.600.8484

Did You Know? In 2013, there were over 1.63 billion credit cards in circulation throughout the world, which, laid end to end, would circle the globe three and a half times! The average American household receives six credit card offers every month. Lowering your credit card interest rate can usually be as simple as picking up a phone. Telling your provider that you may go elsewhere unless they cut a deal often does the trick. The Black Centurion card by Amex has a $2,500 annual fee and minimum spending requirement of $250,000 per year. No, that’s not cardholder’s required income; it’s the spending total.

1946: John Biggins, a Brooklyn banker, launches the first Charg-It Card. Purchases made using a Charg-It card are forwarded to Biggin’s bank, the Flatbush National Bank of Brooklyn, by the store owner; the bank, serving as the middleman, reimburses the store and later collects payment from the customers. This “closed-loop” system remains the model of credit card processing today.

158 / THE MONSEY VIEW / January 8, 2020 www.themonseyview.com / 845.600.8484

1950:

1958:

The Diners Club Card, inspired by a customer named Frank McNamara when he forgot his wallet at a business dinner, is issued.

The American Express card is born.

McNamara comes up with the idea of issuing “credit” cards to customers at the eatery, to be used as a record of payment, sort of like gift cards used today. The cards allow customers at the restaurant to make purchases without cash. Balances are paid to the owner by McNamara, the card issuer, at a later time. McNamara, in turn, collects payment from the cardholder.

AmEx was founded in 1850 as a competitor to the USPS, introducing money orders in 1882 and traveler’s checks in 1891. They did consider presenting a travel charge card in 1946, but the Diners Club beat them to it.

Considered the first credit card with widespread use, the Diners Club Card is mainly used for travel and entertainment. Although the card bill has to be paid in full at the end of the month, purchases are made on credit. By 1951, Diners Club has 20,000 cardholders!

By: Libby Kasten

Credit Card Machines Imprinter Manufactured shortly after AmEx introduced the plastic credit card, this machine enabled an imprint of the card to be produced on carbon paper slips to be used by the bank, merchant and customer as proof of the transaction. Today, there are some stores who still utilize imprinters to save card details in the event of power or connection outages.

Electronic Terminal The magnetic stripe, which contains information such as the cardholder’s name and authorization codes, was added to payment cards in 1970. In 1973, the first electronic terminal system was created to read these stripes in order to process

secure transactions, control customer balances, and approve or decline transactions at the point of payment. At the conclusion of every transaction, a signed receipt remained a requirement.

Wireless Terminal As early as 1997, portable machines, with the ability to accept payments on the go, were soon available for use wherever there was a compatible connection, as opposed to the stationary machines that function only while connected to a phone or Internet line.

Chip Cards Chip cards, also called EMV and Smart Cards, were invented by French Roland Moreno. With

the chip’s significantly greater security and the ability to store a lot more information than the magnetic stripe system, it became a required feature in the U.S. in 2015.

Contactless Payment NFC (near field communication) allows for information within a radius of 10 centimeters to be transmitted to a device. Using this technology, credit card data can now be sent to the payment terminal by simply tapping the machine with the credit card. Visa and MasterCard require all credit card terminals to accept contactless payments from early 2020, and all new models already support NFC functionality, so go ahead and tap to pay!

1959:

1966:

1967:

AmEx produces the first plastic card, replacing the cardboard and celluloid used until this point. They expand to issue cards across other countries, and by 1964, American Express cards are being used by 85,000 merchants in the U.S. and beyond.

Bank of America issues the nation’s first licenced general-purpose credit card. A decade later, in 1976, their card brand is renamed Visa, in light of its growing international existence. Bank of America was originally founded in California, and that is what inspired the Visa logo, which represents the blue of the sky and the gold of the hills in California.

At the same time, a group of California banks form the ITC (Interbank Card Association) and issue MasterCard, the second major bank card in America.

At this point, major banks launch their own consumer cards. This time they are true credit cards; bills do not have to be settled every month. Like credit cards today, nominal fees are incurred for cardholders with a monthly balance carried forward.

Visa and MasterCard are direct competitors, both of which are run by organizations whose board members mainly consist of high-level executives from their member (issuing) banks.

1985: Discover Cards are introduced by Sears. It later merges with Morgan Stanley.

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160 / THE MONSEY VIEW / January 8, 2020 www.themonseyview.com / 845.600.8484

January 8, 2020 / THE MONSEY VIEW / 161 www.themonseyview.com / 845.600.8484

Sponsored by Nussy’s Cuisine, your favorite takeout!

1. Gather round the table to play a family game of Boggle, using this Boggle board. 2. Once you have a winner, fill out the form below in its entirety

4. Two winners will be drawn each week, each of whom will win a pastrami sandwich and a can of soda!

PLAYING RULES: Find words on the board containing four letters or more. Letters of a word must be connected in a chain (each letter should be adjacent to the next either vertically, horizontally or diagonally), and each letter can only be used once in a given word. The following are not allowed in Boggle: Adding “s” to a word • Proper nouns • Abbreviations • Contractions • Acronyms

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F O

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162 / THE MONSEY VIEW / January 8, 2020 www.themonseyview.com / 845.600.8484

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5 9 2 8 4 5 3 2 7 7 4 3 6

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AMOUNT OF POINTS: 41 NAMES OF COMPETING PLAYERS: Mommy SOME WORDS ONLY THE WINNER FOUND: chop, shoe, they, wish, work

THE LONGEST WORD FOUND ON THE BOARD: south A NEW WORD THE WINNER LEARNED FROM THE BOARD: cope

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8 4 WINNER 2 FAMILY NAME: Silber, xxx-6425 NAME OF WINNER: M. AMOUNT OF POINTS: 70 NAMES OF COMPETING PLAYERS: E., F., M. SOME WORDS ONLY THE WINNER FOUND: dutch, etch, poet, route, south

1 3 7 5 9

1 5 3 2 9 7 2 5 5 8 9 3 2 4 1 4 8 5 1

January 8, 2020 / THE MONSEY VIEW / 163 www.themonseyview.com / 845.600.8484

CONGRATULATIONS TO THE FIVE WINNERS OF THE $5 GIFT CARDS AT TOYS4U! A $5 credit was issued at Toys4U on the account of the phone number listed on your submission.

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Thank you to the hundreds of readers who sent in beautifully colored pages! Keep coloring! 164 / THE MONSEY VIEW / January 8, 2020 www.themonseyview.com / 845.600.8484

By: Faigy Jacobowitz Send your colored page to The Monsey View for a chance to have your artwork featured in our pages and win $5 at Toys4U! Five lucky winners will be announced each week! To enter the raffle, email your colored page to comments@ themonseyview.com, or mail it to 3 College Road, Suite 204, Monsey, NY 10952. Name:_________________________________________________________________ Phone:_____________________________________ Age:____________________ School:________________________________________________________________ Submissions will be included in the drawing only if all information is filled in.

January 8, 2020 / THE MONSEY VIEW / 165 www.themonseyview.com / 845.600.8484

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166 / THE MONSEY VIEW / January 8, 2020 www.themonseyview.com / 845.600.8484

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TIMATE. Beautiful 4 bedroom plus living room/ playroom, private house, private backyard, RECEIVE A street. FREElow taxes. quiet dead end HOME AND PROPERTY ESTIMATE.

ring

m, area, y eving!

Call Shayndel for details on additional homes that are not listed here & market deals

HOMES FOR SALE

 HAVERSTAW Big 4 bedroom renovated colonial in thiells with big property

RECEIVE A FREE HOME AND PROPERTY ESTIMATE.

tails

322 Blauvelt Rd, spacious walk in back apt,

$399,000 For all your commercial and residential real estate needs

LOOKI Sunday 1/12, FOR A H from 12-2pm IN NEW C

23 TRAILSIDE PLACE LARGE CENTER HALL COLONIAL

Call Shayndel fortheall90’s yourinreal 3,472 sqft. Built in the estate needs! heart of the neighborhood. $649,900

Call Shayndel on additional h are not liste & market

T ON

Sunday, 1-3pm

OPEN HOUSE

23 TRAILSIDE PLACE, LARGE CENTER HALL COLONIAL 3,472 sqft. Built in the 90’s, in the heart of the neighborhood. $649,900

Open House

ICE

OVERSIZED RANCH

With finished walk out basement on almost an acre of FLAT clear land for sale or rent.

LARGE 5 BED

Colonial for rent on

CALL SHA FOR ALL REAL ESTATE SMALL 2 BEDROOM

Starter house for sale or rent.

SHAYNDEL MOORE LICENSED REAL ESTATE SALESPERSON

845.608.0538

shayndelmoore@kw.com

170 / THE MONSEY VIEW / January 8, 2020 www.themonseyview.com / 845.600.8484

DON FOR USE

845.600.8000

GRAB THE OPPORTUNITY - A DREAM HOME COME TRUE!

17 SUFFERN PL. MONSEY - 12 ELENER LN. SPRING VALLEY 17 MERRICK DR. SPRING VALLEY Beautifully built 3 story semi attached Town House. Main floor has spacious dining room, living room, kitchen/dinette and playroom/family room. Upper level has 4 bedrooms, full bathroom and master bedroom suite with upgraded bathroom. Lower level has additional kitchen, family room, 3 bedrooms and 2 full baths. Each level has 1350 square feet.

Call for details:

845 499.9926 | 845.659.3066

OLD NYACK GARDENS

8 Brand New Townhouses

in prime location! Each semi attached home consists of 3900 sq ft including finished walk in - above ground 5 room mother/daughter apartment, plus an additional 1200 sq ft unfinished basement with full windows and high ceilings. Total of 8 bedrooms, 5 baths, 2 Kitchens, 9 ft ceilings, 4 floors, 3 parking spaces, 5 minute walk to Evergreen, low taxes, intricately designed to ensure your full privacy.

Rodeo Realty l 386 Rt 59, suite 300 l Monsey, NY 10952 l 845.364.0195

Joel Klein The little loan that could… Everyone said it couldn’t close. “There is no way a credit score of 580 can be approve” said loan officer 1. There are no compensating factors said loan office 2. The savings are non-existent. The down payment is the lowest, 3.5%!! No way!! The underwriter said, I hate this file. Its lousy, HUD will have a problem with it… but the buyer and FMM in Pomona said..it could.. it could it could close!! The buyer had gone through a rough couple of years. Husband out of a job, wife on bedrest. The family suffered loss after loss and set back after setback. But things had changed. The husband got a steady job with excellent and stable potential 2 years ago. The last few years this family paid back debt after debt. They moved to Mosey and rented a home. Rentals are really high. They were paying over $2,500 per month and they were rebuilding their lives when

172 / THE MONSEY VIEW / January 8, 2020 www.themonseyview.com / 845.600.8484

CELL: 845.596.7399 EMAIL: jkleinhomes@gmail.com the unthinkable happened. The home they were living in had a tree fall on it and they had to move, and once they were out the seller decided to sell the house and since there was no lease, my buyers had no place to go. They decided that they had to buy a home. But everyone turned them away saying they couldn’t get a loan. Fast forward 2 months, We have issued a commitment and the buyers are just about ready to close. This little loan could, yes it could!! Credit is so key in a mortgage and no bank likes to lend on any score less than 620. Some banks will only lend with credit scores over 640 or even 680! Maintaining a stellar Credit Report Is a key component of mortgage approvals and good interest rates. Maintaining an

excellent credit rating saves you money. In todays difficult and competitive time, where we are in the throes of a hot Real estate market, a diverse and understanding bank is also key in a borrower successfully closing their mortgage loan. For any questions, please contact Ann Zeilingold. Ann Zeilingold NMLS# 41850 is affiliated with FM Home Loans in Pomona NY. She has been helping families with their mortgage needs for the past 30+ years. For a free copy of her book, “The Homebuyers Companion, a complete home buying guide” or if you have any mortgage questions, you can reach Ann by calling her on her in her office 845-354-9700 or on her cell 914-260-9000 or via email azeilingold@ fmm.com.

Ann Zeilingold - NMLS # 41850 FM Home Loans • 1609 Route 202 • Pomona NY 10970 Office: 845-354-9700 • Cell: 914-260-9000 Email: azeilingold@fmm.com

Rodeo Realty R

esidential Now Is the Time to Buy/Sell Your Home…We Make It Easy! SEE OUR NEW LISTINGS!

METICULOUSLY MAINTAINED Colonial on Gorgeous, flat professionally manicured property! This immaculate home is located on a quiet family friendly street and is spectacular! Enjoy a tour and be amazed!

Open House 1/12, 2-4pm

FOR SALE OR LEASE

84 SPOOK ROCK ROAD Gorgeous and completely renovated Spacious Colonial! 4bd 2.5bth w/ hardwd flrs thru-out Large basemnt w/ separate wlkout entrance. 1.16 acre and beautifully landscaped.

LUXURY ABOUNDS

MOVE RIGHT INTO

BRAND NEW

In this Magnificent one of a kind 7-bedroom colonial, nestled on a quiet cul-de-sac in the prime Monsey area! This custom home is cleverly designed for everything you need and more! Minutes from shopping and transportation. Call to hear the spectacular details of this rare find!

Spacious, Immaculate, and Lovingly cared for Center Hall Colonial! This Charming 3,700 sqft home has 5 bd, 2.5 bth, + 1950 sqft finishd basmnt. All features top notch! Must see large gorgeous landscaped yard. 1.25 acres. A perfect family home w/ many extras!

Semi attached: 3900 sq ft, w/finished 5 rm mother/daughter apt, 8 bd, 2 Kit, 5 bth, 9 ft ceilings, and 4 flrs. 5 min wlk to Evergreen! Please Call Joel Klein 845) 596-7399

Majestic One of a Kind Luxury Estate on prestigious Cul-de-Sac in Monsey. This exquisite Mansion features 15bd 13 bth, magnificent gourmet kit, indoor pool, wet/dry sauna, and more!

Charming, lovingly maintained spacious 5bd extended Colonial Cape sitting on almost an acre of beautiful park-like property. Right in the Heart of Prime Monsey!

Majestic One of a Kind Custom Colonial! Elegant and Bright, designed w/ Character and Functionality. Unique 5Bd 4Bth w/ spacious walk-out basement, and so much more!

Stunning Resort-like 9 bd/10bth, Sprawling Estate in the Heart of Wesley Hills! Exquisitely designed w/ extravagant pool area. Serene lakefront w/ 3.5 acres of breathtaking grounds.

2 beautiful acre lots near Monsey! Build your Dream Home in Prime Location.

Bright Spacious Updated Bi-level featuring sunlit foyer, gleaming hardwood floors, eat-in kit, extra-lrge liv/ din rm, master bdrm w/ private bath. Don’t miss this one.

Don’t miss this updated and spacious 6bd bi-level in prime Forshay. Beautiful eat-in kit w/ gorgeous living space leading out to stunning flat park-like property.

Ask About an Excellent Opportunity!! Amazing Property for a School!! Ask About Our Other Available Properties!

Call Lonna Ralbag at (914)548-0870 | or Email at Lonnakin@gmail.com

Suspecting

BedBugs? We do K-9 inspections.

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174 / THE MONSEY VIEW / January 8, 2020 www.themonseyview.com / 845.600.8484

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YOUR DREAM HOME Unique Duplex with private setting. Fully Upgraded, Spacious dining room and living room, Salko Kitchen w/ granite countertops including an island, study, playroom, Master suite, 4 well sized bedrooms, laundry room. + additional 4 rooms with separate entrance. 4 baths, plus 1,400 sq ft basement with 10 ft ceiling. Close to Refauh Health Center and shopping area. Lots of Amenities: Kitchen – 30 yr warranty, large pantry, Master Suite – tray ceiling, Jacuzzi, elongated toilet, Laundry room – top and bottom cabinets, Surveillance camera, intercom system, lots of closets.

FOR SALE

OPEN HOUSE SUNDAY,JAN 12, 3:00PM - 5:00PM

6 Park Ramapo

$939,000

Dov Tessler

Zishe Feder

Moses Einhorn

845.596.2434

845.323.5566

845.406.4944

Licensed Real Estate Agent. Team leader of the Tessler Team

Dov@thetesslerteam.com

Licensed Real Estate Agent. Buyers specialist of the Tessler Team

zishe@thetesslerteam.com

Licensed Real Estate Agent. Buyers specialist of the Tessler Team

moses@thetesslerteam.com

ROCKLAND’S QUINTESSENTIAL REAL ESTATE AGENCY!

HOME SALES

— Open Houses Sunday, January 12 — 21 Ann Blvd,

 2 Weiss Terr,

 Chestnut Ridge

Chestnut Ridge

“The Birds” New Listing!

Scotland Hill Area. Young 4-5 bd colonial. NEW roof, NEW deck, rocking chair porch, great location! $685K

Oversized bilevel. Impeccable condition, flat prop! $569K

Tirtza Beer C: 845-548-2325

2-4pm

Tirtza Beer C: 845-548-2325

2-4pm

341 W

 Clarkstown Rd,

 283 Cherry Ln, Airmont.

New City.

New Listing! 4 bd colonial with new hot water heater and furnace. Taxes only $10K $429K

ATTENTION INVESTORS! 3 bd colonial. Bring your toolbox! $324K

Sara Gershon C: 845-281-5900

11-1pm

New Listing! Airmont! Huge 3500 sqft tudor colonial. .73 acre FLAT prop. $539K Devorah Sekula C: 845-548-9486

Haverstraw area. Why rent when you can own?! Semiattached 3 bd colonial. LOW TAXES! $319K Tirtza Beer C: 845-548-2325

New Listing! Pomona! Lrg contemporary 5 bd 3bth ranch. Inground pool + tennis court! Acre flat prop. $699K, Chedva Dahan C: 845-323-0383

New Hempstead! Pleasant Ridge colonial on quite street. Loads of updates. $899K Miriam Perkowski C: 914-804-0900

New Listing! Pomona! Haverstraw area. Two story entry 3000 sqft colonial. Freshly painted, oak refinished floors, fenced in private landscaped backyard. $569K Rena Cohen C: 845.304.1370 New Listing! Wesley Hills! Carefree Lane, 1.2 acre prop. 4 bd, 3 full bths. Mountain views and privacy! $650K, Miriam Perkowski C: 914-804-0900

Pomona! Haverstraw area. Young colonial hardwood floors throughout. New roof. New A/C. Flat backyard, trex deck, great layout. $579K Gitty Berkovic C: 845-826-5229 MONTEBELLO PINES! Must see! Stunning ranch. Gorg prop & pool. Rikki Drillman C: 845-558-1283 Airmont! Bright extended hiranch with many updates. NEW kitchen, windows, roof, pavers. $575K Devorah Sekula C: 845-548-9486

Steven Noble C: 845-826-6820

2-4pm

Spring Valley Condo! Beaut 4 bd. Walk to Hatzlacha Grocery! Low monthly payments! $499K Baila Schwartz C: 347-309-3814 Spring Valley! Blueberry Hill Area. 3 bd semi attached COLONIAL $445K Shainie Kovitz C: 914-329-1958 Pomona! Modern contemporary colonial. Low taxes. $699K Chedva Dahan C: 845-323-0383 New City! Like new construction! Totally renovated colonial! 2 story entry, 9 Ft Ceiling. New kitchen. 1 acre flat prop. POOL! $849K Chedva Dahan C: 845-323-0383 & Rikki Drillman C: 845-558-1283 Montebello! Huge contemporary col on cul-desac. River views. $650K Rikki Drillman C: 845-558-1283

Monsey! 3200+ Sqft colonial w fin basement. 9 ft ceilings, spacious rooms, 8 Bedrooms, 4 full baths and much more! $850K Miriam Perkowski C: 914-804-0900 Airmont! Contemporary colonial! Huge 6 bd, 4 bth, inlaw suite. $699K Tirtza Beer C: 845-548-2325

Rentals

Montebello! Charming old style colonial Sitting on 38 ACRE LOT! 6 bds, 5bth. Available immediately! $5500/m Ortal Mekaiten C: 845.327.0746 Suffern! Lrg 4 bd colonial on cul de sac. Avail imm. $3200/m Shainie Kovitz C: 914-329-1958

11 N Airmont Rd Suffern, NY 10901 • 845.357.4663 176 / THE MONSEY VIEW / January 8, 2020 www.themonseyview.com / 845.600.8484

845-513-3800

Info@TheTesslerTeam.com

FOR SALE

ONLY 1 UNIT LEFT

173 Rt 306 Monsey

OPEN HOUSE

SUNDAY,JAN 12, 1:00PM - 3:00PM

Townhome

3 Bathrooms

5 Bedrooms

2,450 Sqft

Also Available a flet 1,850 SF $550.000

$665.000

37 N Rigaud Rd Spring Valley Townhome

4.5 Bathrooms

7 Bedrooms

4,300 Sqft

Ready to Move In! + full finished basement

FOR SALE

$939.000

FOR SALE

4 Hempstead Ramapo Cape

1 Bathrooms

3 Bedrooms

15,000 Sqft Lot

$399.000

Great Location!

FOR SALE

LOW TAXE S

20 Ridge Ave Spring Valley Townhome 5 Bedrooms

5 Bathrooms 4,000 Sqft

$849.000

Plus additional 3 bedroom

35 S Cole Spring Valley Cape 3 Bedrooms

SUNDAY,JAN 12, 3:00PM - 5:00PM

4 Bathrooms

Townhome

3.5 Bathrooms

1,526 Sqft

5 Bedrooms

4,200 Sqft

Fully finished basement w/ 6 office rooms. GREAT POTENTIAL INCOME

FOR SALE

OPEN HOUSE

6 Park Ramapo

$539.000

4 Room apartment plus basement. with high ceiling

FOR SALE

$939.000

SOLD

LOW TAXE S

651 Saddle River Chestnut Ridge Huge Colonial

4 Bathrooms

6 Bedrooms

4,000 Sqft

modern luxury home, Fully landscaped property,

$999.000

5 Andrew Dr Monsey

15 Algonquin Airmont

Cape

2 Bathrooms

Colonial

3.5 Bathrooms

4 Bedrooms

1,400 Sqft

6 Bedrooms

3,972 Sqft

Prime Chestnut Ridge Area

$519.000

Dov Tessler

Zishe Feder

Moses Einhorn

845.596.2434

845.323.5566

845.406.4944

Licensed Real Estate Agent. Team leader of the Tessler Team

Dov@thetesslerteam.com

Licensed Real Estate Agent. Buyers specialist of the Tessler Team

zishe@thetesslerteam.com

Licensed Real Estate Agent. Buyers specialist of the Tessler Team

moses@thetesslerteam.com

178 / THE MONSEY VIEW / January 8, 2020 www.themonseyview.com / 845.600.8484

FOR SALE BY OWNER

2 Sandra Court, Chestnut Ridge, NY Beautiful 50 foot Hi Ranch 4 Beds. 3 Baths. 2200 sq ft. Park like setting on 3/4 acre property Year built 1968 • Baseboard Heat • Central AC Attached 2 car garage • Hardwood Floors Throughout 2019 New Roof • 2019 New Furnace 2019 New Hot water heater • 2019 New Driveway

Contact Stacey. 914-629-5155 BY APPOINTMENT ONLY! NO REALTORS January 8, 2020 / THE MONSEY VIEW / 179 www.themonseyview.com / 845.600.8484

Classifieds FOR SALE YOYA/BABYPRIDE Strollers for Sale. ASTM standards, company backed warranty, available in several colors. Free delivery. Please call 845-263-2737 or 845587-7941 FORMULA ‫צו פארקויפן ניאויקעיט‬ $25 ‫ קען‬1 ‫ פאר‬$30 ‫פארמאלע‬ :‫ קעןס און מער רופט‬10 ‫פאר‬ 845.426.3237 COAT & DRESS FOR SALE Brand new stunning down & Fur coat size 14 selling at cost price. selling Mechtenishte dress white/black size 18. call/text 845-659-7989 FOR SALE 3 Stunning white with black velvet gowns. Girls size 12 & 16, teen size 2 for sale. Set of 3 couches leather and fabric with pillows selling for $950 delivered. 845-709-7161. BUGABOO 4 SALE Used bugaboo cameleon for sale in very good condition please call 845-596-4170 DOONA BASE Brand new base of the Donna car seat. 90 dollars 845 587 2438 ANTIQUE SEFORIM for low prices. 845-537-9316 FURNITURE beautiful Italian dining room set for sale, 70% off original price. great condition please call or text 8457095207

SHEVY WIG Beautiful Shevy wig for sale dark brown with highlights, shoulder length . 2 and half years old barely worn. $875 orig $2500 .Call 917 -727-7593 NEW STROLLERS AND ACCESSORIES Babyzen Yoyo Stroller Sale. $350- Grey,Air France, Taupe and Pink $375- Black. Yoyo Bassinet $100. Yoyo Bunting $80. 4 Moms high chair $175. Please call 323-804-7438 CYBEX MIOS Brand new, still in box, to sell for a good price, please call 845-478-4969 OFFICE DESK FOR SALE Magnificent, almost new, dark brown office/study desk with custom glass top, & modern office chair. 3 Draws on each side. Originally $700, selling set for $300. Call/text (845)6455411. FOR SALE Master Bedroom Wall Unit, Headboards and nightchest. Beautiful condition. Selling due to renovations. Also treadmill in perfect condition. call 845-642-3482

REAL ESTATE CONDO FOR SALE Young, beautifully kept large 7-8 room flat- 2,319 sf + basement- 622 sf, asking 599K. Many amenities, 2 porches, large yard, near mikva, shuls, grocery and buses. Very low taxes- 5.5K. Bates Drive. 845 426 1612

180 / THE MONSEY VIEW / January 8, 2020 www.themonseyview.com / 845.600.8484

// for sale // real estate WAREHOUSE FOR RENT A 10,000 SQ Warehouse just got available in Middletown, private lot, big parking lot, 2 loading docks on a quiet street, for $5500 a month, serious inquiries only. Pls call: 845.512.9338 and LM FOR RENT 4 room 2 bedroom apartment available Blauvelt Rd, corner Cedar, please call 845-6592273 APT FOR RENTSHORT TERM Two bedroom, fully furnished apartment (includes linen, towels, pots etc.) On Merrick Drive. Call 845 652 3159 GWEN LANE Beautiful 2 bedroom apartment for rent 845-3527118 2 BEDROOM APT With Granite kitchen & Private Porch near Hatzlucha, ideal for chussen Kallah, Call 917-474-2456 NEW CITY 1 BDRM APT Brand new, above ground, windows, Lrg kitchen, SS appliances. Washer/dryer. Walk-in closet. Beautiful bthrm. Private Entrance. Utilities incl. Avail Mid Jan. 845-746-7985 SPACE FOR RENT 4 Rooms office space. Good condition. Private entrance. 1500 SQ. Plus garage. Also good for Dorm. Grandview/ Union Area. Call/Text 845262-8792

FOR RENT Newly remodeled 5+ bedrooms in Dexter Park/ Chestnut Ridge area. Short or long term. Call (845) 533-2745 CONDO FOR SALE Pristine, upgraded, split-level condo for sale. Glen Hill/Rose Garden Way. Please call 347546-3646. ROOM FOR RENT very large room for rent in Bates area. Suitable for office or playgroup etc. 845 746 7251 LARGE BASEMENT ROOM Large room with separate entrance & bathroom. Big window. Ideal for playgroup. Reasonable price. 845-8266385 FOR RENT Large airy room, full bathroom, plenty of closet space. Private entrance. Excellent for office/ single. Stetner St. No kitchen facilities. 845-352-8360 SHISHA REALTY

Vacation Apartments available in Jerusalem for Sukkos and all year. Call Shisha Realty 718-408-8070 or visit shisharealty.com SHABBOS/Y’’T SUFFERN GETAWAY Magnificent fully furnished, renovated 5bdrm, secluded home, 1 acre. Brook, fireplace, trampoline, basketball net. 18 minutes from Shul. Available Sukkos with Sukkah. Text/ Whatsapp 845-327-0266.

JOIN OUR TEAM! QUALITY ASSURANCE SPECIALIST Position includes: • Communicate with caregivers and clients • Investigate and document incident reports • Assist with other QA projects and tasks Requirements: • excellent phone and writing skills • previous homecare experience preferred email resumes to jobs@commhealthcare.com

ROCKLA

N CO UNTY

HAMAS

CENTER FOR HUMAN SERVICES

OFFICE POSITIONS AVAILABLE ADMINISTRATIVE SECRETARY Looking for a girl to work as a full-time (9-5) secretary. Candidate should be well-articulated, organized, and quick to learn. Needs to be able to communicate in yiddish as well. Enjoyable environment with opportunity for advancement! DEPARTMENT COORDINATOR A part-time coordinator to arrange services for individuals, network with staff and family, and oversee billing records.

TEAM LEADER A supervisor to provide guidance and leadership to a team of coordinators and motivate them to achieve highest performance standards. (Drivers’ License Required) SERVICE COORDINATOR A part-time coordinator with a min. of a Bachelor’s degree to coordinate services for individuals and their families.

Send resume to:

JOBS@HAMASPIKROCKLAND.ORG AND REFERENCE WHICH POSITION YOU ARE APPLYING FOR. Hamaspik is fully committed to Equal Employment Opportunity and to attracting, retaining, developing and promoting the most qualified employees without regard to their race, gender, color, religion, sexual orientation, national origin, age, physical or mental disability, citizenship status, veteran status, or any other characteristic prohibited by state or local law.

January 8, 2020 / THE MONSEY VIEW / 181 www.themonseyview.com / 845.600.8484

Classifieds

// help wanted

5”,6”,7” Gutters Copper and aluminum gutters 845-782-4473 sales@advancedguttersinc.com

Fully Insured Free estimates

HELP WANTED VOLUNTEERS NEEDED/ AVAILABLE To volunteer to feed the sick or elderly, OR if you are in need of this service, Please call 845-352-1016 LOOKING FOR VOLUNTEER local drivers for chessed. Please call 845-352-1016 BABYSITTER / NANNY NEEDED Looking for a caring and devoted after school babysitter/nanny to look after a two and a half year old. 4:00-8:30 Monday thru Thursday. Driving required. Excellent pay 845-637-7234 TEACHER NEEDED Ashira is looking for a high school English teacher with a Master’s degree and experience with Regents preparation. Late afternoon hours. Please send resume to office@ashiraprogram.com

FEMALE DRIVER WANTED Pick up Tuesdays and Thursdays at 10:30 from Helen Hayes to Monsey. Some physical assistance required. 25$/way +5$ for gas 347-7908253 HELP WANTED Local Girls’ school looking for experienced, capable substitutes in the Junior High English department. Good pay. Please call: 845-3525000 ext 1124 ACCOUNTANT Boutique Accounting Practice looking for an experienced accountant to join our team. Email resume to: jobs. boutiquefirm@gmail.com or Fax resume to (646) 792-3313 P/T MORNING HOURS Female Position: Importing online orders. Printing labels and Mailing very small packages. Minimal computer experience required. Email your phone number to mrsbek@gmail.com

182 / THE MONSEY VIEW / January 8, 2020 www.themonseyview.com / 845.600.8484

DISPATCHER WANTED ‫מאטי’ס קאר סערוויס זיכט‬ ‫טיים‬-‫יעצט א אינגערמאן א פול‬ ‫ דארף זיך גוט‬.‫דיספעטשער‬ ‫אויסקענען אין מאנסי און‬ ‫ זיך האלטן רואיג‬.‫אומגעגענט‬ call volume ‫מיט א הויעכע‬ ‫ גאר‬.‫און קענען רעדן ענגליש‬ ‫ערענסט אינטערעסירטע‬ :‫ביטע אימעיל צו‬ jobspringvalley@gmail.com 845-354-4444 ‫אדער רופט‬ 401 ‫עקסטענשען‬ HELP WANTED Suffern company seeking f/t sales/office assistant. resumes should be sent to officeposition201@gmail.com or faxed 877-257-8071 SALESPERSON WANTED Individual must desire to build a career, Full Training and Support provided. Past work experience a+. C:845-639-5216 e:dglick@ ft.newyorklife.com HELP WANTED Womens retail store is looking to hire for afternoon hours. Please call 8452746826

Over 30 colors Gutter Guard Installation Cleaning and Repirs JOB OPPORTUNITY Healthcare Company based in Mahwah, NJ is looking to fill entry level positions. Great work environment. Willing to train the right candidate. Healthcare experience preferred. Please reach out to hr@ procurementsvcs.com EXECUTIVE ASSISTANT A Financial services office in Monsey NY is seeking a full time executive assistant. Responsibilities include scheduling, client relations, etc. Candidate must have excellent verbal (telephone) & writing skills, mathematics, computer proficiency and ability to multi-task. For more information please email your resume to Molanservices@gmail.com MANHATTAN OFFICE Heimish office in midtown Manhattan is hiring, young grads preferred, Yiddish speaking a must, GREAT PAY! Text/leave voicemail 347-946-5526

‫בס"ד‬

We're Hiring

HCS ComHab Department is on the lookout for caring and motivated candidates that want to make a difference in the lives of children with special needs

• Main St. area

• Besen/Bates area • Shabbos

• Besen/Bates area

• 6 year old boy

• High functioning independent 20 year old

• Shabbos

• Monday-Thursday

• 6 year old boy

• 12 p.m.- 2 p.m. (flexible)

• High functioning boy • Car required

• 6 year old boy

• Afternoons/ Weekends

• 7 year old boy

• Sunday for two hours

• Main St. area

• Shabbos morning

• One weekday for 2 hours

• Shabbos

• Driver’s license and car a plus

• In the yale area

CALL: 845.426.2199 EXT. 4 EMAIL: ROCKLANDJOBS@HCSNY.ORG ‫בס"ד‬

Job Opportunity HIGH SCHOOL GIRLS & YOUNG WOMEN: Take advantage of an amazing opportunity to make a difference in the lives of children with special needs while enjoying the experience. UpTime is a unique after school and Sunday program for high functioning children with special needs geared to developing their talents in a heimish, fun and exciting environment. • • •

Excellent pay Exciting monthly get-togethers Hours: Sunday-10:00-3:00, after-school: 3:00-5:00.

845.426.2203 EXT. 3 UPTIMERC@HCSNY.ORG

GREAT OPPORTUNITY! HCS is looking to hire a highly motivated, creative, energetic program coordinator with great planning skills to coordinate activates for our upcoming UpTime junior division: • • • • •

Sunday: 10 a.m. -3 p.m. Monday-Thursday 3:30 p.m.-6:00 p.m. Great compensation package Growth potential

845.426.2199 EXT. 4 ROCKLANDJOBS@HCSNY.ORG

January 8, 2020 / THE MONSEY VIEW / 183 www.themonseyview.com / 845.600.8484

Classifieds

// help wanted

REMOVE AN AYIN HORA! BY RABBi SHMUEL ECKSTEIN ENDORSED BY MANY RABUNIM

845.284.9777

subscribe@einyyeshuah.org

PARNASSAH

SHIDDUCHIM

PRIVATE POOL RENTALS SWIMMING LESSONS  CPR COURSES  LIFEGUARDING COURSES  INDOOR / OUTDOOR HEATED POOL

HEALTH

NACHAS

CHILDREN

SUCCESS

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

8 PERSON JACUZZI AVAILABLE



OFFICE ASSISTANT – ENTRY LEVEL Seeking an outgoing, confident and organized assistant. Must be able to multi-task, have excellent problem-solving skills and enjoy working in a team environment. Send resumes to hr@arkmortgage.com SECRETARY Female secretary position available, Organized and great communication skills a must. Knowledge in quickbooks and excel needed. Graduates welcomed. Email resumeinfo74@gmail.com SECRETARY Office in haverstraw looking for someone to do collections and a little secretarial work, need to know quick books. please send your resume to trusthrjobs@gmail.com SALESGIRL WANTED Looking for a salesgirl for the months of Feb/Mar please call and leave a clear message 845-206-9371

SECRETARIAL FULL-TIME POSITION Heimishe office located in Monsey looking for fulltime Secretary (graduate preferred). Excellent environment, great pay! For more details please call 845428-9597 or email resume to jobsopening10952@gmail. com LIFE SKILLS Looking for girl/lady to assist high functioning lady with life skills.Experience must. Great pay.201 892 0526 slfydhm@gmail.com HELP WANTED Looking for a female worker to help out a women with high capabilities and her young children . Driver’s license required. Please call 503-0267 GET HIRED! Resumes written and perfected. Consistent success in the job market. 845-6596999 call or text. Lv. msg.

184 / THE MONSEY VIEW / January 8, 2020 www.themonseyview.com / 845.600.8484

FOR MORE INFO CONTACT US

845.578.1888 | MONSEYSWIMSCHOOL.COM

HELP WANTED Established Payroll company in Monsey seeking to fill entry level full time position. 9am-5pm a must. Please send resume to info@megapayusa. com or fax to 845-504-2713 JOB OPPORTUNITY F/T administrative assistant for a busy office. Must have a basic computer knowledge. Writing, communication and interpersonal skills a plus. Good Pay, Will train. Email Resume/Call: fjosef@ skylinecap.net / 718.705.9800 MEDICAL ASSISTANT/ PHLEBOTOMIST Monsey Doctor’s Office seeks p/t Medical Assistant with strong Phlebotomy skills. Please email resume to: MDassistantJob@gmail.com COMMUNICATION SKILL POSITION Well known tzedakah organization has short term positions available for men. Excellent communication skills required. 845-426-3130

MONSEY GLATT SUPERMARKET is looking for responsible, energetic, efficient person to put together grocery orders on Wednesdays and Thursdays.. Call 845-6420162 or 845-425-0679 leave message. JOB OPENING Established Monsey company seeking qualified individual to join an already successful team. Candidate must be organized, diligent and very proficient in Excel. Office experience preferred. Full Time. Excellent pay. Please email resume: jobopening1212@gmail.com. HELP WANTED Seeking responsible, warm & capable individual with driver’s license to work with special needs girl. For the following days or part of it: Sunday 3-5:30pm, MondayThursday 6:30-8:30pm. Great pay! Call 845-369-4021/ 845641-3940

WEâ€™RE HIRING! CARE MANAGERS

to provide person-centered, comprehensive care management to individuals with intellectual and/or developmental disabilities (I/DD).

REQUIRED

Bachelors or Masters degree with relevant experience OR

Talmudic Degree with relevant experience

BENEFITS YOUâ€™LL RECEIVE

Medical, dental and vision coverage

FSA 401K plan Life & Disability Insurance Paid time off (includes vacation, holiday

and birthday!)

Hiring for the following location: Monroe and Monsey

W W W .T R I C O U N T YC A R E .O R G

APPLY NOW Send resume to jobs@tricountycare.org

TCC is fully committed to Equal Employment Opportunity and to attracting, retaining, developing and promoting the most qualified employees without regard to their race, gender, color, religion, sexual orientation, national origin, age, physical or mental disability, citizenship status, veteran status, or any other characteristic prohibited by state or local law.

Classifieds LATEST PAINLESS TECHNOLOGY

// help wanted

REFER A FRIEND BONUS

$10

BETTER AND FASTER RESULTS

OFF

‫ הדרכה וסיוע לפרנסה‬,‫ייעוץ‬

‫זוכט איר א געלונגענע‬ ‫ארבעטער צוגעפאסט‬

PERMANENT HAIR REMOVAL

?‫צו וואס איר דארפט‬

!!‫מיר קענען אייך העלפן‬

FRIMY LERNER 845.402.0268 HORIZON CT

,‫אויב ווייסט איר פון סיי וועלכע ארבעטס געלעגנהייט‬ parniseini@gmail.com ‫ביטע שיקט די אינפארמאציע צו‬ 845-356-9600 # 116 ‫אדער רופט אריין אין אפיס‬

TOP R ATED IN NE W YORK/NE W JERSEY

Power Washing

Weekly Oﬃce Cleaning

Rubbish Removal

Post Construction Cleaning

COMMERCIAL KITCHENS EXHAUST SYSTEM & HOOD CLEANING

cleaning

845.825.2406

from black to blue...

hoodblasterinc@gmail.com

845.327.6997

FULLY LICENSED & INSURED

Fully Insured

SAFESIDE INSURANCE IS EXPANDING! We are looking to fill new full-time office positions. Applicant must be quick learner and have good computer & phone skills. Please fax your resume to 845-738-3673 or email to hr@ safesideins.com QOL ASSISTANTS Sunshine Children’s Home & Rehab is looking for two post high school/seminary girls for FT Quality of Life assistants. Applicants must have experience working with medically complex children, be comfortable working in a multicultural environment, have leadership skills and drive. Sunday-Thursday 9-5. Shabbos Program availability as well. Email your resume to cbenjamin@ sunshinechildrenshome.org WEB GRAPHICS Graphic/Web UI Designer wanted, Experience in photoshop & illustrator

required, knowledge in web UX-UI a plus. Email Resume+Portfolio to: monseydesigners@gmail. com ATTENTIVE BEHAVIOR CARE SUFFERN, NY We’re seeking an enthusiastic and dedicated individual to join our team! The job entails interviewing and hiring therapists for our growing agency. Responsibilities include screening and interviewing candidates and pairing their skills for the right need working for our branches all around NY, NJ, MI, and MD. Lots of potential for growth and advancement. Training provided, Excellent compensation and benefits. Submit resume to seckstein@ attentivebehavior.com JOIN OUR TEAM! Tranee’s wig Salon is currently looking to hire a energetic individual for a sales/secretarial position. candidate must have excellent people and

186 / THE MONSEY VIEW / January 8, 2020 www.themonseyview.com / 845.600.8484

communication skills be very organized and detailed oriented and have a great ability to multitask. great pay. Full-time position. Email your resume to: traneeswigs@gmail.com or leave a message at 845-4183334 ADMIN ASSISTANT A nursing home group is seeking an Admin Assistant to monitor daily staffing levels, monitor contracts, monitor daily expenses, monitor efficient use of staff, monitor agency usage and over-time. Maintaining a close relationship with financial departments, assisting the department director with his day to day goals and needs, creating and maintaining spreadsheets are a must. Opportunity for growth. Email Resume: CareRiteCareers@gmail.com OUTREACH COORDINATOR OF VOLUNTEER SERVICES All women’s office environment in Monsey.

RELIABLE & PUNCTUAL SERVICE

Looking for enthusiastic, energetic creative Program Coordinator. Mature, strong organizational skills with attention to detail. Keep information up to date on database. Excelllent communication skills both written and oral. Yiddish speaking . Will assist with recruitment of needed volunteers,and create a warm and caring environment to support the projects of the Chesed Department. Hours: 11-5:00pm. efeder@ chesed247.org PACKER/SHIPPER Well established non-profit organization seeks an efficient full-time packer/ shipper for processing / packing orders for short term. Please call 845-4263160. HELP WANTED Online company in monsey area is looking to hire a full time girl or woman to work with listing products on e-commerce websites,

CALLING ALL SUPERSTARS! JOIN OUR TEAM!

GREAT WORKING ENVIRONMENT!

NOW OPEN: Full-time coordinator positions! sfliegman@marquishc.com

845.205.9513

A member of

www.marquishc.com

Hamaspik of Orange County is currently looking to hire a care coordinator to join our comfort health team. Bachelor degree required please email resume to: klar@hamaspikorange.org January 8, 2020 / THE MONSEY VIEW / 187 www.themonseyview.com / 845.600.8484

Classifieds

// help wanted // babysitting // servic

We're seeking an enthusiastic and dedicated individual

to join our team!

The job entails interviewing and hiring therapists for our growing agency. Responsibilities include screening and interviewing candidates and pairing their skills for the right need working for our branches all around NY, NJ, MI, and MD.

YEARLY MEMBERSHIPS

NOW ON SALE!

ANNUAL FAMILY SWIM PASS ANNUAL SINGLE SWIM PASS REG. $1000 REG. $450

NOW $450

• Lots of potential for growth and advancement • Training provided • Excellent compensation and benefits Email resume to: seckstein@attentivebehavior.com

Amazon PPC, social media, working with product development, etc. Great growth potential with nice pay and commissions. Preferably with experience, and willing to start immediately. Please email resume to jobsmonseyarea@ gmail.com

BABYSITTING BABYSITTER AVAILABLE Experienced Babysitter available to babysit your baby during the day or overnight. Central location. 845 274 5450 BABYSITTER Experienced babysitter available. Late night (chasuna) Overnight & weekly. Plz call 845-200-4616 BABYSITTER NEEDED Hours M-Th 3:20-6:00 PM, Located in Grove Street, Monsey area. Please call: 917676-1659 or 845-645-1771. M&M PLAYGROUP Playgroup in Bates/Horton area. From 9:30-2:30 extended hours available. Please call 845-608-6471 KIDDY GROUP Small Heimishe Kiddy Group, some slots available. Warm lunches, loving

environment. Walk in level, 36 Ridge Ave. Great Location! Call: H.B. Rottenberg. 845327-6189

SERVICES DOULA Labor of love LOVE your birth experience, certified CD( DONA) Doula Malky Breuer 845 270 4330 845 362 3480 Malky@mbdoula.com CHILDBIRTH EDUCATION CLASSES To join the next class please call 845-426-0931. Tzippy Tauber CD (DONA)Certified Birth Doula ALTERATIONS Alterations by Rivka. Free pickup and delivery. Measurements taken at your house. 845-709-4866 MASSAGES

NOW $200

Mens Hours:

Womens Hours:

Sun: 3pm - 6:30pm & 10pm - 12am Mon: 12:15pm - 2:30pm Tue: 9pm - 12am Thur: 9pm - 12am Motzai Shabbos: 8:05pm - 12am

Sun: 9:15am - 3pm & 6:30pm - 10pm Mon: 9:15pm - 12am Wed: 12:15pm - 2:30pm & 9:00pm - 12am Motzai Shabbos: 1 hr after zmam - 8pm

845.578.1888 | MONSEYSWIMSCHOOL.COM

DRIVING LESSONS Safeutyr Is O l! G oa

Text or Call Today 845.600.4444

P 5&6 Hour Class

Rush Road Test

Smart Driving

Permit Test

REFLEXOLOGY Chase those winter illnesses away. Treating cough, sinusitis, ear infections and more. Also natural induction. Treating women and children successfully for many years. L Kruger 845.262.8520 BOOST YOUR CHILD’S HEALTH Speech Difficulties, Sensory Issues, Low Muscle Tone, Hyper-Active, Trouble Focusing and Sleeping. Call 845-517-8418 COACHING/ THERAPY Do you know somebody Suffering emotionally? Free consultation/ Proven Technique. Avi Weinberg 845-558-4027

for women by a licensed massage therapist. Relax with a deep tissue, swedish, pre/ post natal massage. New Hempstead/New City area. Please call 845.201.8251 or email info@cuzzispa.com

FREE!! WEIGHT LOSS SESSION FREE!! Breakthrough Session with a Certified Health and Weight-loss Coach. Discover what is blocking or slowing you down from reaching your goal weight. 45 minutes focused entirely on you. To Schedule: 845-641-1057. Keepthosepoundsoff.com

PROFESSIONAL PEARL RESTRINGING Free Pickup & Delivery 845352-5013

ONE MAN BAND For all your occasions 347460-7543

188 / THE MONSEY VIEW / January 8, 2020 www.themonseyview.com / 845.600.8484

RS!

SEPARATE MENS & WOMENS HOU

Driving Lessons

Highway Lessons

Road Test

E-Z Parking

MUSIC LESSONS Give your daughter the gift of music at a very reasonable price! References available. Call Yitty @ 845-426-7561 after 4:30 pm SEWING COURSE One on One, by Esty Krauss. Group forming now for high school girls. call or text 845662-5931. TORAHANYTIME.COM On demand Torah lectures Video-Audio-download All for free Computer or App for iPhone/Android Or Hotline 718-298-2077 Yiddish Hebrew - English MARRIAGE & FAMILY COUNSELING

Warm, professional 25 years exp. Communication. Child & Teen behavorial issues. Dr Yisroel Kaplan, Please call for free phone consult 917-345-5750 DRUM LESSONS by Shmuel Klaver, Monsey’s most experienced Shomer Shabbos drum instructor. Lessons ($45 & up) given in your home or my studio, to boys or girls ages 10-adult, beginners to professional. Call (845) 459-9935

Miriam Aronoff, D.D.S.

I'm in shape.

and Associates

General, Family & Children's Dentistry

• Male & Female Dentists available • Sunday & evening hours available. • Most insurances accepted.

2 Pearl Drive

(corner of Pearl & Rt. 306 N. just past Wesley Kosher)

Unfortunatly that shape is a potato!

845.712.5133 1 Fletcher Road

Suite C (between Robert

WESLEY HILLS

Pitt Dr. & Monsey Blvd.)

MONSEY

MONSEY SHATNEZ LAB | 3 VALENCIA DR | 845.262.8502 | R' MENACHEM FOGEL

‫הרב יהודה משולם דוב פאלאטשעק שליט"א | ועד הכשרות בד"צ מכון להוראה | הרב חיים שבת | הרב יצחק אבא ליכטנשטיין‬

‫יא' טבת תש"פ‬

SHATNEZ NOTICE

Powerful detox and cleansing for rapid weight loss

Recent notices

The solution to lasting weight loss

Hamaspik of Orange County

Looking for a CH WORKER in the Monsey area for a 16 year old high functioning boy, 3 hours daily

Placement in the Monsey area for a 22 year old high functioning boy.

Please call: 845-774-8400 x 454

Esty Weiss 845-499-9354

Seeking a service coordinator to join our dedicated team. Candidate must be able to multitask, have great communication skills and be capable of working in a fastpaced environment. Previous experience with the special needs population as well as previous office experience a plus. Position available immediately.

Please submit resume to servicecoordinatormonsey@gmail.com January 8, 2020 / THE MONSEY VIEW / 189 www.themonseyview.com / 845.600.8484

Classifieds

// services // odds & ends // gemachim

Remove an Ayin Hara R’ Avraham Lebel 718.977.5459

Akiva Kaplan

Price: $50 per name - credit cards accepted - Pls leave a message

Certified Driving Instructor

845.376.4896

With the endorsement of Rabbanim of ‫בד”ץ העדה החרדית ירושלים‬

Dirty trash bin?

LET US CLEAN IT FOR YOU.

845.839.4024 info@mrcancleaning.com www.mrcancleaning.com

GUITAR LESSONS by Moshe Klaver, for beginners of all ages. Very motivating and patient teacher. References available. (845) 746-0925. Shomer Shabbos PRIVATE TUTOR/HW PARTNER Is your daughter struggling with homework/schoolwork? I’m here to help her succeed while staying relaxed and focused. Please call 845-6591893 GRAPHICS COURSE

Professional graphics course starting shortly. Join experienced Adobe instructor Mrs. Sura’la Wachsman and learn Adobe Photoshop, InDesign, & Illustrator in a warm, heimishe setting. No internet. Just 2 slots left! 845.356.2101 or text 917.474.6826 GRAPHOLOGY *Send in your handwriting for a full analysis *Groups- A few analytical points per person *Amazing lessons given on graphology. Great for teachers’ gatherings, school programs etc. 845.642.3213

SHELVING & HANDYWORK For all your custom shelving & around the house handy work & more call/text 347522-4872 CPA SERVICES Are you drowning in personal or business tax paperwork or filings? WE CAN BRING YOU UP TO DATE. For individualized service email: myaroslawitzcpa@gmail.com ADDRESSSING ENVELOPES Amazing prices, call for quote, mention ad for a discount. Printing can be done immediately. Call 845-445-7422 or e-mail printingaddresses@gmail. com HOSTESS PACKAGES/ PEKLECH

Classy welcome packages for your Shabbos aufruf or Sheva Brachos! We have something in every budget; book in advance to ensure availability. Thinking pekelach? We have it! Vacht nacht, birthday, aufruf, upsherin, pidyon haben. PRESENTED 845-2740489 presented0489@ gmail.com

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KANGEN WATER “Change your Water.. Change your life” Alkaline - AntiOxidant - Super Hydrating Call for FREE supply and feel AMAZING! 917-681-0003 MONSEY LASER BOUTIQUE Hair removal & skin care center. Shr - ipl. The world’s most advanced technology. For hair removal & skin care!!! Pain free!!! Aviva goldstein | 845-243-0980 MECHITZAS FOR RENT 8 beautiful 6 1/2’H x 4’W wooden painted panels on wheels. Picked up & delivered. Pls call Avi at Events by Dublyew 845-5584027 BAR MITZVAH PHOTOGRAPHY Quality and affordable bar mitzvah photography by Moshe Grunfeld call 917858-1054 or email moshe@ moshegrunfeld.com BALABUSTA’S SECRET! Rivky’s custom challah dough, Always fresh. Leave the mess to me. Hafroshas challah opportunity. Call, text or WhatsApp 845-5389332

PETTICOATS FOR RENT! Enhance your gown with just the right petticoat! Kids and adults petticoats for rent! In the Bates area. Call or text: 845 200-4326 TRY THIS! Join our powerful, life changing class using breathing, art and writing, by Chany Rosengarten. Call 845-263-6265 to try a class. BABY BLANKETS Beautiful selection of fuzzy baby blankets, different styles. ready to gift 845-2321693 GARTLECH we fix knitted & crochet Gartlech & make beautiful professional fringes. We also teach how to knit & crochet. call: 917-414-3281

SHAIMOS

PICK UPS 845-461-3084 DEBT RELIEF having trubble with finances? join Debtors Anonymous Tuesday night @ 19 Robert Pitt # 113 , 7:30-8:30pm. visit www. debtorsanonymous.org

m HAIRCUTS/ WASH N’ SETS (human hair). Hair cuts $10/ wash n’ sets $25. call or text Perela 845.376.9566 TRI STATE SHADES Custom shades at affordable prices. SHOP IN THE COMFORT OF YOUR HOME! Monsey/New Square T.Diamant 8452135481. Brklyn/Monroe D.Friedman 9294201398. Lakewood P.Friedman 7327305920 MATH TURORING Regents/GED/TASC/SAT/ ACT Common Core, Algebra, Geometry, Trigonometry, Precalculus, Calculus, Physics ALL Grades/Levels. call: 845-445-8003 MATH ANXIETY? I can help! All ages. All levels. Regents, SAT Prep, CLEPS, AP courses. Remediation and Enrichment also available Linda 845.538.5319

ODDS & ENDS HODU LASHEM I lit a candle for 40 days Leilu Nishmas R’ Menachem Mendel M’Rimnov and promised to publicize it and B”H saw a yeshuah. DIABETIC STRIPS Looking to buy your extra Diabetic Test Strips. Strictly Confidential. 347-871-7574

SEEKING DONATIONS Of toys, arts & crafts, or supplies, in good condition, for a Heimishe Moised. Call 845.500.3100 SHIDDUCH EVENT L’Chaim Shevat Shidduch Event January 26 – February 10. To organize meetings contact lchaimshidduch@ gmail.com or 845-323-9041. Meetings listed on www. lchaimshidduch.com.

GEMACHIM

CHUPPA CARDS. call or text after 5pm. 347278-1278

BLUE LIGHT Gemach in monsey, pls call before. 845.425.1919

BIKE RACK GEMACH Fits all cars. Holds up to 3 bikes. 845-659-1863.

BABY GEMACH short term loans of carseats, pack n plays, strollers, pumps and more! 845.397.7724 or visit soralasbabygemach. com.

COAT RACK Coat racks and hangers for your simcha. 845-356-9841

BRIS GEMACH located in Central Monsey. 617-955-3630. poya, pillow case, outfit, blanket.

BECHER GEMACH Real bechers from our free-loan gemach. 845-377KOS1(5671) KosYeshuos@ gmail.com

BRIS GEMACH Located on Blauvelt Rd. 356-6215 poya, outfit, blanket and hat.

BED REST? We do the laudry for you. 213-7437 (also looking for volunteers)

BRIS PILLOW GEMACH and benchers with tfilos for bris and pidyon haben: 845213-0602

CHUPAH CARDS Lucite cards. 845.222.0456

BRIS GEMACH beautiful bris outfit w hat, poya and pillowcase. Suzzane area 845 425 8359

BEAUTIFUL BENCHERS (not Zemiros) 845-642-0910 BABY GOWNS and 2 pieces. Matching shoes and hair accessories available from 3 months - 2 years. New! Boys line added. 425-3049

DVD/VIDEO GEMACH DVDS and portable players for sick and homebound adults and children.425-2660

LEV DEVORAH Layett gemach (845) 213-3646

LASER IS NOW A POSITIVE, PAINFREE EXPERIENCE.

BABIES LAYETTE GEMACH text 718-551-1732 or email frimitbabies@gmail.com

CHUPPAH TEFILLOS tefillos and tehillim booklets for the chupa time 845-2130602.

CARSEATS & BASSINET and pack n play bassinets. 425-1202 EAR-PLUG GEMACH for ba’alei simcha to protect your guests’ hearing. Baby headsets also available. 845202 -0105. LSHEM MITZVAH Expecting twins? great book to borrow. guide for healthy, happy experience. confidential (name x appear on ID)call 845 587 2427 FLORAL BISOMIM for your Simcha - 845-6292785. FREE MOVING BOXES Standard egg carton boxes (eg. Evergreen boxes). We are located in Chestnut Ridge. Call/text between 8-10:30pm. (845) 641-5536 FORMULA GEMACH chani @ 347-267-3640 or Miriam 216-889-3643

GET REAL.

THERE’S A BETTER WAY TO DO LASER.

CHANIE GENUD Certified laser hair removal specialist

845.323.8886 Book your appointment

January 8, 2020 / THE MONSEY VIEW / 191 www.themonseyview.com / 845.600.8484

Classifieds FREE BOXES for moving (mostly egg carton size). 845-425-6826 or 845-608-7830. Donations of flattened boxes are always welcome!

HEATER GEMACH 845 362 8666

GOWN GEMACH mother and sister gowns size 0-12, by apt only. 845-4267496 or 845-352-3031.

‫טייערע כלה‬ ‫נוצט אויס דעם יום החופה‬ ‫מיט אן אלבום וואס ענטהאלט‬ ,‫ שיעורים‬,‫ הדרכה‬,‫השקפה‬ ‫ וואכן פאר‬4‫ רעזעווירט‬.‫תפילות‬ 845-352-2560 ‫די חתונה‬

GPS GEMACH Brand new, updated, with traffic. 845-352-2588 Leave msg. (Minimal fee) ISRAEL GPS No fee. English or Hebrew. Must reserve in advance by email at IsraelGPS@gngroup. com GOWN GEMACH. South Monsey Ladies gowns and petticoat gemach.call or text after 5pm. 347-278-1278 NEW GOWN GEMACH sisters of the Kallah/chasson. Adult Size 0-12. 845-517- 8808 HOSPITAL SUPPLIES inc. TPN equipment, feeding pumps, NG tubes, & feeding supplies. donate/receive. 845746-8293. ELEGANT HATS For short term rental 845517-0838. ‎ OT WATER URNS H 845-425-9211 HOSPITAL GOWN for maternity or hospitalization Tzniusdige & Comfortable. 845-425-8687 SIMCHA HAT $25. many styles/ colors. We also accept donations of elegant hats. 347 351 1604 BANDS & HATS $10 New ladies bands, all lengths. Also berret hats. 845 290 8319

JWAZE DEVICE 8455965856 leave message

KALLAH ACCESSORY GEMACH Everything you need for the kallah (except for the gown) Crown, veil, shoes, decktich, fur cape 845-426-0767 ‫לעילוי נשמת‬ We can arrange to have the whole ‫ששה סדרי משנה‬ learned ‫ לעילוי נשמת‬your loved ones! Call /Text (917) 720-6392 / chofetzmishna@ gmail.com MECHITZA’S 30’ - 5 six’ tables, 10 chairs stands and bus-boxes $100 deposit. $18 Donation call 845-445-8015 or email Mitzvah1@gmail.com MATERNITY GEMACH Weekday and shabbos clothing, various sizes. call/ text 845-445-9687 MEZUZOS GEMACH 362.2333

PHONE GEMACH free of charge for as long as necessary. 845 579 5538 PIDYON HABEN coins, silver tray, lace box, outfit 845-426-1681 845-6427256 ROOF CARRIERS For all cars even without bars on roof. 845-659-1863. Monroe: 845-662-7102. South Fallsburg 845-434-3865. REFLECTOR GEMACH Hosting guest? Be safe! Wear a reflector. 845-356-0815 REFLECTOR GEMACH: having guests or having a simcha and need reflectors 347-977-6816 SHIFRA PUAH DOULA Please call to register in advance. 845-587-1649 SIDDUR GEMACH Sfard: Friedman 845-6087830 Ashkenaz: Shulman845 352 1756 or 845-826-6718 SHULERT APP Daven at the perfect Minyan with Shulert! https://www. shulert.com SCHOOL SUPPLIES GEMACH Accepting donations. New or gently used. 862-505-9546

MOVING BOX GEMACH New Hempstead area. text 845-642-5286 to arrange pick up

TABLECLOTHS for your Simchos. (845) 371 2105

GEMACH ‫מוהלים‬ We are ready to sharpen your knives. 718-384-6214

WE ACCEPT clothing, shoes and household items in brand new condition. To donate or receive call 347-731-3851.

PACK N PLAY We have New Pack n Plays tova222@gmail.com or text 845-216-4885 SOUND SYSTEM GEMACH Speakers, mikes, mixers, cables, 917-382-8809

192 / THE MONSEY VIEW / January 8, 2020 www.themonseyview.com / 845.600.8484

// gemachim // dresses & gowns // lost

SUITCASE GEMACH 845-371-9121 TICHEL GEMACH To receive or donate 845-3717504

TOY GEMACH Keep all the children busy by your simchas with tons of lego and clicks. 845-578-6513 SIDDUR/CHUMASH 558.4774 TICHEL GEMACH Donations welcome. 845548-0014 WHITE KALLAH SHOES. Proceeds go to tzedakah. Call\Text 845-200-0211 WEDDING KIT for Machetunim to take along. 845-425-2036 WEDDING HAIR PIECES for children 3473001679 THE WEDDING KIT All necessities for Kallah/ Chosson’s family for the wedding night. Leili Nishmas: Perel Gela Bas R’ Shloima. 845-371-2947

DRESSES/GOWNS GOLD GOWN Adorable gold gown by Dassy available to buy or rent. Toddler size 4. Call 422-5596 for more info GOWN FOR RENT

beautiful dark colored gown size 2-4 8455380391 RENT/SALE Black & White Exquisite gown for rent/sale.Text only 845-826-2185 TEEN GOWN sz 0. call 845 422 5440 RENT/SALE GOWNS: Beautiful selection for Mechteniste, sister of bride & maternity 845-6598753. We will also take your gowns on consignment and rent/sell it for you.

‫בס"ד‬

t & found // free giveaways

Job Opportunity

Massages for women by a licensed massage therapist. Relax with a deep tissue, swedish, pre/post natal massage. New Hempstead/New City area. Please call 845.201.8251 or email info@cuzzispa.com MAGNIFICENT GOWN Exquisite gown for rent size 2-4. White base with mauve & blue embroidered flowers. pls call 845-596-9933 BLACK GOWN Black Mac Duggal midi length gown size 4- 6 Great price. Call text 845-5218384. FOR RENT Beautiful gowns for ladies and teens. 2 kallah gowns for rent. Size 6-8 and size 18. WhatsApp/ text 347-2781278. MATERNITY DRESS Black and off-white beautiful maternity dress for rent. Please call 845356-5132 GOWN RENTAL New Custom gown rental for ladies and teens. Call 845-659-2799 ONE OF A KIND Magnificent cream dress size 0-2 for sale/rent. Please call 845.200.4326 CUSTOM HALBERSTAM Black/white mid-length dress size 8-10 for rent. For more info call 845.425.0924

before Pesach on Robert Pitt Drive in Monsey near Ace Flooring gray and white baby blanket. 845-222-1305 Monsey trails ticket book on westside Ave. 425-6321 Adult bangle with diamonds on Adar Ct. 426-1972

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845-426-2199 ROCKLANDJOBS@HCSNY.ORG

Mountain buggy in Zirs 352-6151

FREE GIVEAWAYS master bedroom set. 845379-4477 Dresser 347-699-2435 Osmolite 914-804-1457 Many Flattened egg boxes in good condition. 8452386691 Mountain buggy double. Please call 845-300-5188.

Maybe it’s as simple as changing your water

2 14” sheitel boxes in perfect condition. 426-0685 Sz 54 flat felt hat ( Krausz ) in very good condition. Also empty Kova hat box. 347432-6669 33 inch hi riser top and bottom to give away in excellent condition , must pick up text 3475044033

Try it FREE and see what happens!

10 Navy Comfort fit size 18 pants 425-3190 2 packs adult diapers 3562000 2 parakeets 642-8868

LOST 2 Shaitels in a bag near a Shul 845-499-9613

FOUND small baby gold stud earring lafamilia 7/29. 4261612

LATE ADS LOOKING TO HIRE Tranees Wigs is looking to hire a girl to join our team for a blowdrying position. Full time hours includes some sundays. Pls call 8454183334 or email traneeswigs@gmail.com

Dr. Hiromi Shinya Clinical Professor of Surgery at Albert Einstein College of Medicine & Chief of Endoscopy at Beth Israel Hospital in New York

January 8, 2020 / THE MONSEY VIEW / 193 www.themonseyview.com / 845.600.8484

‫‪PHOTO CREDIT: JDN‬‬

‫די געווינער פונעם גורל דורך כוללי האברכים דחסידי צאנז‬

‫די קינדער פון פארשעי ביהמ"ד וואס זענען געווען אנוועזנד ביי די טעראר אטאקע פארגאנגענעם חנוכה‬ ‫באקומען הערליכע מתנות וואס איז נתנדב געווארן דורך 'טויס ‪ 4‬יו'‬

‫האדמו"ר ממשכנות הרועים מוצש"ק במאנסי‬

‫‪194 / THE MONSEY VIEW‬‬

January 8, 2020 / THE MONSEY VIEW / 195 www.themonseyview.com / 845.600.8484

Preparation Continues for the Dirshu World Siyum at Prudential Center, NJPAC and Newark Symphony Hall Rabbi Nachman Seltzer As word of the Dirshu Siyumim in Binyanei Haumah in Yerushalayim and Event City in Manchester, England spreads, more and more people are talking about what to expect at the different Dirshu events in other parts of the world. As someone who had the zechus to take part in the Moetzei Shabbos Chanukah Siyum, I can tell you that every seat was taken by a crowd of people who clearly knew that a Dirshu event was not to be missed. And they were right. From the opening moments of the event, throughout what proved to be an absolutely incredible night, it just got better and better, with the evening ending on a high note as hundreds of Dirshu members danced for hours in a scene reminiscent of Simchas Torah. So the first event was a success. But then I’d expected nothing less from a Dirshu event. After years of covering their productions I have come to expect perfection from the talented team who expertly puts together multiple events – sometimes on the same day – and sometimes even at the same time. Which brings me to my next point. The Dirshu World Siyum events in North America on Sunday, February 9th at 6pm, are fast approaching. There is the huge event at Prudential Center – with that venue almost sold out (the women’s section at Prudential Center is complete-

Prudential Center, site of the North American Dirshu World Siyum

ly sold out!). And because there are so many people who understandably want to take part in the Dirshu World Siyum (once you’ve been to one Dirshu event, you do not want to miss another), the organizers gave a lot of thought to the challenge facing them and arrived at an out-of-the-box solution, quickly reserving another top quality venue while there was still time. I am referring to NJPAC – a mere ten minute walk from Prudential Center, giving a number of gedolim time to get from one location to the next – enabling them to grace both stages and offer words of wisdom at both events.

However, from my conversation with the organizers, it should be emphasized that NJPAC is not simply an overflow venue; the NJPAC event will be just as unique and special in its own way as Prudential Center. The reason is simple. It is not the same event. The lineup and the speakers are different, and it will feature a separate live orchestra. This is not just a case of showing footage from a different event which is happening at the same time. Many of the keynote speakers will only be attending the event at NJPAC, which means that in many ways, I would understand if people would try to get themselves into both events – because both will be truly worthwhile in their own way! There is no question that the Simchas HaTorah at both the Prudential Center and NJPAC will be incredible and absolutely genuine! There is no question that every single person walking out of either event at the end of the night on Sunday, February 9th, will be ultra-inspired and ready to begin new commitments to their Torah learning, and the learning of the rest of their mishpachah too. Now here’s the thing. I’m sure there are many people who still want to attend the Dirshu World Siyum event – not only them, but their wives as well. The women’s section at Prudential Center,

Additional Dirshu World Siyum location at NJPAC

196 / THE MONSEY VIEW / January 8, 2020 www.themonseyview.com / 845.600.8484

however, has already completely sold out. Again the Dirshu production team – seeing the way things were going, and foreseeing the need to be prepared for the demand that was sure to come, booked an additional venue – the very prestigious Newark Symphony Hall – exclusively for women. Which means that for the men coming by car (although bussing will be available – details forthcoming), after dropping off your very excited wife at Newark Symphony Hall, you can drive a few more minutes and find your own seat at NJPAC (Dirshu’s all men’s event). And why will your wife be so excited to spend this particular evening at the Newark Symphony Hall? The answer is simple. This too is another exclusive event, made all the more interesting because it has been tailored solely to provide women with a unique experience, one that will bring home the importance of Torah learning and the vital role Jewish women fill by instilling those values in their homes. In true Dirshu tradition, it promises to be remembered for years to come by anyone who has the good fortune to be in attendance. Rebbetzin Sarah Meisels, the daughter of the previous Bobover Rebbe, HaRav Shlomo Halberstam, is the evening’s keynote speaker. Rebbetzin Meisels will no doubt deliver a message that is crafted especially for those assembled at the Newark Symphony Hall. That, however, is just the beginning. Who hasn’t heard of legendary songwriter and singer Mrs. Miriam Israeli and enjoyed her fantastically uplifting music and the many hit songs she has composed throughout the years? Well if you have enjoyed her music, get ready for a wonderful experience, because Newark Symphony Hall will be featuring a live original musical production composed by Mrs. Israeli especially for the evening. In addition, there will be musical entertainment provided by the very talented Malky Giniger and Bracha Jaffe, who will no doubt make an already wonderful event, that much more so. There will be singing, there will be dancing, there will be speeches containing words of Torah and inspirational messages – every element adding another layer to a memorable evening. I am sure that this will be an evening to recall for a long time to come. I know this because that is the Dirshu way. Just like Rav Dovid Hofstedter exhorts the members of Dirshu to not overlook any detail in their quest towards achieving Torah greatness, he expects the same from the producers of every Dirshu event. No detail is too small to be dealt with. Nothing is unimportant. The result of that approach is that every one of the Dirshu events taking place on February 9th, will be something which those fortunate enough to attend will never forget. And while being part of the event at Prudential Center will be amazing, there is something equally incredible about being part of an all-women’s event – an event that will be geared towards the wives and daughters of Klal Yisrael. Here, the messages of the speeches will have been prepared by women – for women – inspiring them with ideas and lessons to be internalized and taken home – to be used in their own lives as they go about helping their husbands and children reach ever higher in Torah and avodas Hashem. All this is yours for the taking. You just need to purchase a ticket (347-85-SIYUM), DirshuWorldSiyum.org and reserve your place for the special night. Ashreichem, Ashreichem, Ashreichem… the wives and daughters of Klal Yisrael...

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January 8, 2020 / THE MONSEY VIEW / 197 www.themonseyview.com / 845.600.8484

‫הגר"מ קאטלער ראש ישיבת לעיקוואד והגי"י ניימאן ראש ישיבת לעיקוואד בביקור אצל האדמו"ר מפארשעי‬

‫‪198 / THE MONSEY VIEW‬‬

‫‪PHOTO CREDIT: JDN‬‬

‫מעמד יציקות הבורות פאר די נייע מקוה טהרה בפיקוח הרה''ג ר' יצחק טריגער ורבני העיר געבויט מיט די הילף‬ ‫פון מקוה יו‪ .‬עס‪ .‬עי‪ .‬אין מיל בעסין‪ ,‬ניו יארק‬

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‫סיום הש"ס בראשות האדמו"ר וויזניץ‬

‫‪200 / THE MONSEY VIEW‬‬

‫‪PHOTO CREDIT: JDN‬‬

‫סעודת סיום הש"ס ע"י הרב יעקב יוסף אזרילעוויטש נ"י בהשתתפות בני האדמו"ר מסקווירא‬

‫ספעיציעלע‬ ‫‪ discount‬פאר‬ ‫די וואס שרייבן‬ ‫זיך איין ביז‬ ‫מאנטאג‬ ‫וארא‬

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‫די קלאסן זענען‬ ‫געמאכט פאר יונגלעך‬ ‫וואס האבן בר מצוה‬ ‫קומענדיגע ווינטער‬

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‫די קלאסן הייבן זיך אן‬ ‫אין די קומענדיגע טעג‬ ‫‪January 8, 2020 / THE MONSEY VIEW / 201‬‬ ‫‪www.themonseyview.com / 845.600.8484‬‬

‫זיך איינצושרייבן רופט‬ ‫‪845-501-9898‬‬

202 / THE MONSEY VIEW / January 8, 2020 www.themonseyview.com / 845.600.8484

‫‪PHOTO CREDIT: JDN‬‬

‫סיום הש"ס בביהמ"ד בעלזא בירושלים‬

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‫‪204 / THE MONSEY VIEW‬‬

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‫סיום הש"ס בראשות האדמו"ר בוויזניץ‬

‫סיום הש"ס המרכזי במאנטריאל‬

‫‪206 / THE MONSEY VIEW‬‬

‫‪Tel: 845-362-1979 Fax: 845-362-1016‬‬ ‫בס"ד‬

‫‪47 Forshay Road, Monsey N.Y. 10952‬‬

‫בות מברך‬ ‫ה‬ ‫ט‬ ‫ו‬ ‫ב‬ ‫על טו‬ ‫והמטי ב‬

‫אחר שעבר עלינו‪ ,‬חסדים גלויים ומרובים לעינינו‪ ,‬כאשר רוצח שפל ונבזה הרים סכינו נגדינו‪ ,‬וה' מידו הצילנו‪ ,‬כי גבר‬ ‫חסדו עלינו‪ ,‬ולהקב"ה תפלתינו‪ ,‬על החולים שיתרפאו‪ ,‬ועל הבריאים שלא יחלו‪.‬‬ ‫בעת הזאת מעומק לבבינו‪ ,‬בשם כל אנשי שלומינו‪ ,‬ותושבי שכונתינו‪ ,‬נודה לכל אלו שבאו לעזרתינו‪ ,‬ועבדו שעות על‬ ‫גבי שעות למענינו‪ ,‬ולמען שלום מקומינו ה"ה‬

‫חברי חברה הצלה‬

‫ובראשם ידידינו ר' דוד קירשנבוים הי"ו‬ ‫אשר באו במהרה ובמרוצה‪ ,‬והצילו נפשות ישראל ובמסירות נאמנה‬

‫חברת חברים‬

‫בראש העסקן הנמרץ ר' יוסף מארגערעטן הי"ו‬ ‫שעמדו על המשמר שעות ע"ג שעות‪ ,‬מחובת ההשתדלות לשמור על המקום‪.‬‬ ‫במיוחד נביע תודתינו‪ ,‬להעסקנים היקרים‪ ,‬המסורים יום ולילה לטובת הכלל ישראל‪ ,‬ובפרט על פעולתם עבורינו‪,‬‬ ‫בראש ובראשונה‬

‫הרה"ח ר' יוסף אלי' גליק‬

‫הי"ו גבאי נאמן בבית מדרשינו‬

‫על גבורת נפשו ואמיצות לבבו שגרם בס"ד לתפוס את הרוצח השפל‬

‫הרב ר' מאיר הערש בערגער‬

‫שליט"א‬

‫אשר כל השבוע עסוק בלי ליאות יומם ולילה לא ישבות עבורינו‪ ,‬בכל מה דמצטרך‪ ,‬ובכל מה דאפשר‪.‬‬

‫‪Chai lifeline‬‬

‫ר' יצחק (איצי) ציג הי"ו‬

‫ובמיוחד העסקן הנמרץ ר' אברהם דוב ערנטאל הי"ו‬

‫חברת 'די טאנצערס'‬ ‫‪Toys 4 U‬‬ ‫‪Valuclean Cleaners‬‬

‫‪OHEL Family Service‬‬ ‫המאיר בהנהלת ר' יעקב יוסף בוקסבוים הי"ו‬

‫על עזרתם החשובה בעת צורך השעה חנם אין כסף‬

‫ברכת תודה מיוחדת נשגר קדם העסקנים השתדלנים החשובים עוסקי בצרכי‬ ‫הכלל והפרט באמונה ובמסירות‬

‫ר' אהרן בנציון ווידער הי"ו – ‪Rockland County Legislator‬‬

‫העסקן הנמרץ ר' ישראל כהנא הי"ו‬ ‫העסקן הנמרץ ר' אהרן ארי' ריינער הי"ו‬ ‫ותפלתינו להקב"ה שממרומים יחון עלינו‪ ,‬ועל פליטת עמו בית ישראל‪,‬‬ ‫שלא ישמע עוד שוד ושבר בכל גבול ישראל‪ ,‬עדי נזכה במהרה‬ ‫לגאולתן של ישראל בב"א‪.‬‬

PHOTO CREDIT: JDN

‫סיום הש"ס המרכזי בירושלים‬

208 / THE MONSEY VIEW

47 Forshay Road, Monsey N.Y. 10952

Tel: 845-362-1979 Fax: 845-362-1016 ‫בס"ד‬

In wake of the recent attack which occurred in our midst, we would like to express our deepest gratitude and sincere appreciation to:

Hatzolah Volunteer EMS and Spring Hill Ambulance Services For being on the scene in mere moments and saving the lives of all the victims

The Law Enforcement community

Ramapo Police Department / Rockland County Sheriff / NYS Police / FBI For making this investigation their highest priority, and putting all resources to work to make sure that justice should be served, as well as for providing round the clock security, to our community as well as other strategic locations

Brosnan Risk Consultants

For providing security services to our congregation and community free of charge

Our elected officials who came or called to show support and express sympathy

The Honorable Governor Andrew Cuomo Senator

Rockland County DA

Senator

Rockland County Supervisor

NYS Attorney General

Congresswomen

Town of Ramapo Supervisor

State Senator

Chuck Schumer Kirsten Gillibrand Letitia James

Michael Specht

Tom Walsh Ed Day

Nita Lowey

David Carlucci

Last but not least, for all of those who assisted with Crisis Intervention including but not limited to:

Chai Lifeline, Ohel Family Services, Achieve Behavioral Health Gelly Asovski LCSW-R, Lili Goralnick LCSW-R, NYS Office for Victim Services, Center for Safety & Change By the grace of the almighty, may this be the last attack on mankind, and may you all be blessed with health, wealth and happiness.

‫פאנעל מיט עטליכע לומדי דף היומי‬

‫הנדיב ר' חיים שלמה אייזענבערג הי"ו ביים איבערגעבן‬ ‫די ברכות גמרא פאר'ן רבי'ן שליט"א‬

‫לחיים און געזעגענען נאכן מעמד‬

‫חרוזים דורך ר' בערל סופר הי"ו פון ילדי חן‬

‫ברהמ"ז דורך ר' יעקב יוסף אייזענבערג הי"ו‬

‫התחלת הש"ס דורך הרה"ח ר' מרדכי‬ ‫שווארץ שליט"א ‪ -‬מראשי הקהילה‬

‫סיום הש"ס דורך הרה"ח ר'מאיר יודא‬ ‫וואזנער שליט"א ‪ -‬מראשי הקהילה‬

‫יו"ר המעמד ‪ -‬הרב אברהם יוסף גארדאן‬ ‫שליט"א ‪ -‬מראה"כ הל' שבת‬

‫דברי זכרון דורך הנדיב ר' חיים שלמה‬ ‫אייזענבערג הי"ו ‪ -‬פטרון הסיום‬

‫כ"ק אדמו"ר מסקווירא שליט"א‬ ‫ביי שיחות והדרכת קודש‬

‫דבר הסיום ע"י הרה"ג ר' יוסף ישראל‬ ‫אייזענבערגער שליט"א ‪ -‬דומ"ץ סקווירא‬

‫נואם הכבוד ‪ -‬הרה"צ ר' חיים‬ ‫מאיר בן כ"ק אדמו"ר מסקווירא‬ ‫שליט"א ‪ -‬מגי"ש בדף היומי‬

‫דברי ברכה ע"י הרה"ג רבי אריה‬ ‫מלכיאל קאטלער שליט"א ‪ -‬ראש‬ ‫ישיבת בית מדרש גבוה דלייקווד‬

‫שישו ושמחו בשמחת התורה‬ ‫קרוב צו הונדערט טויזענט אידן ביים אפגעבן כבוד התורה‬ ‫ביים צענטראלן סיום הש"ס אין מעטלייף סטעדיום‬

‫‪212 / THE MONSEY VIEW‬‬

THE MONSEY VIEW / 213

‫‪PHOTO CREDIT: JDN‬‬

‫סיום הש"ס המרכזי אין ניו יארק אין מעטלייף סטעדיום‬

‫‪214 / THE MONSEY VIEW‬‬

‫שטיצט די געהויבנע בני עלי'‪ ,‬וואס זאגן אויס דעם גאנצן ספר תהלים יעדן טאג!‬

‫"ק משאץ‬

‫‪-‬כ‬

‫"ב טבת‬

‫ד די‬ ‫כבו יאר‬

‫פון‬ ‫צייט הרה‬

‫ווערט א תהלים‪-‬כולל מעמבער‬ ‫און מיר וועלן בע"ה אויספויעלן‬ ‫פאר אייך א ישועה דורכ'ן‬

‫‪-‬ל‬

‫אויסזאגן ‪ 40‬טאג‬ ‫גאנץ ספר תהלים‬ ‫ביים שאצער ציון‬ ‫מקום‬ ‫מסוגל‬ ‫לישועות‬ ‫דער שאצער צדיק‬ ‫האט צוגעזאגט‪,‬‬ ‫אז ווער עס וועט‬ ‫קומען מתפלל זיין‬ ‫ביי זיין ציון‪ ,‬און‬ ‫נעמען אויף זיך א‬ ‫דבר טוב וועט ער‬ ‫אויף אים מעורר‬ ‫זיין רחמים בגנזי‬ ‫מרומים‪.‬‬

‫ווערט יעצט‬ ‫געהאלפן!‬

‫רופט אריין זיך צו סובסקרייבן!‬

‫‪718.705.7174‬‬ ‫‪Info@TehillimKollel.org‬‬

‫‪PHOTO CREDIT: JDN‬‬

‫סיום הש"ס המרכזי אין ניו יארק אין מעטלייף סטעדיום‬

‫‪216 / THE MONSEY VIEW‬‬

‫ב"ה‬

‫דער נביא זאגט (סוף ספר דניאל)‪:‬‬

‫בעת ההיא ימלט עמך כל הנמצא כתוב בספר‬ ‫‪ -‬די וואס וועלן זיין פארשריבן אין דעם ספר וועלן אין יענע טעג געראטעוועט ווערן ‪-‬‬

‫אין ליכט פון די פארשטערקעטע‬ ‫אנטיסעמיטיזם ר"ל‬

‫שרייבט אייך איין‬ ‫אין איינע פון די‬

‫ספרי‬ ‫תורה‬

‫און ווערט געראטעוועט!!‬

‫אידן טייערע! זיסע קינדערלאך!‬

‫פון ווען מען האט דאס אנגעהויבן – אין יאר תשמ"ב‪ ,‬ביז צום היינטיגען‬ ‫טאג‪ ,‬האט מען שוין פארענדיגט פילע ספרי תורה (עטליכע מיליאן אידן)‪ .‬אין אנהייב‬ ‫חודש כסלו תשע"ו‪ ,‬האט מען‪ ,‬מיט'ן אויבערשטענ'ס הילף‪ ,‬אנגעהויבען שרייבען א נייעם‬ ‫ספר תורה‪.‬‬ ‫די פרייז פאר איין אות‪ ,‬איז וויפיל איר ווילט‪...‬‬ ‫אויב קויפט איר פאר ‪ $13‬און מער באקומט איר א תעודה‪.‬‬ ‫יעדער איד – מענער פרויען און קינדער – קענען קויפן אן אות אין דעם ספר תורה‪.‬‬ ‫אפילו איינער וואס האט שוין אן אות אין אן אנדערע ספר תורה‪ ,‬אדער קינדער וואס‬ ‫האבן אן אות אין דעם קינדער ספר תורה – קען קויפן אן אות אין דעם ספר תורה‪.‬‬ ‫מ'קען אויך קויפן אן אות פאר א חבר‪.‬‬ ‫אויך קען מען קויפן אן אות לעילוי נשמת‪.‬‬

‫פון ווען מען האט דאס אנגעהויבן – אין יאר תשמ"א‪ ,‬ביז צום היינטיגען טאג‪ ,‬האט מען‬ ‫שוין פארענדיגט ‪ 6‬ספרי תורה (נאנט צו ‪ 2‬מיליאן קינדער)‪ .‬אין דעם טאג כ' מנחם‪-‬אב‬ ‫תשע"ו‪ ,‬האט מען‪ ,‬מיט'ן אויבערשטענ'ס הילף‪ ,‬אנגעהויבען שרייבען דעם ‪'7‬טען ספר‬ ‫תורה‪.‬‬ ‫די פרייז פאר איין אות‪ ,‬איז בלויז ‪ !$1‬דערצו‪ ,‬באקומט איר אויך א שיינע תעודה‪ ,‬אין‬ ‫וועלכען עס איז באצייכענט דעם פרשה אין וועלכען איר האט באקומען אן אות‪.‬‬ ‫אן אות קען געקויפט ווערן אפילו פאר פיצלעך קינדער‪.‬‬ ‫ווי אויך אלץ א מתנה‪ ,‬פאר קינדער וואס קויפן נישט אליינס‪.‬‬

‫רא‬ ‫שון‬

‫^‬ ‫^‬ ‫^‬ ‫^‬ ‫^‬

‫^‬

‫ע‬ ‫ו לאחדות‬ ‫נכתב באירשר הא קל‬

‫הו‬

‫עד‬ ‫לכ‬

‫ה”ק בעי‬

‫”‬

‫לים‬ ‫ירוש‬

‫על‬

‫י‬

‫ד וע ד רבני חב“ד ב א‬

‫י ישראל‬

‫תיבת ספר התורה של י‬ ‫לד‬

‫ת “ו‬

‫ד לכתבת ספר תורה‬

‫איינע פון די גרויסע מעלות פון דעם ספר תורה איז‪ ,‬אז די אותיות‬ ‫שרייבט מען נאר פאר תינוקות של בית רבן – אינגלעך אונטער בר‪-‬מצוה (‪ 13‬יאר אלט)‬ ‫און מיידלעך אונטער בת‪-‬מצוה (‪ 12‬יאר אלט)‬

‫^‬ ‫^‬

‫יעדער אות (פון די ‪ 304,805‬אותיות) שרייבט מען פאר‬ ‫נאך א איד‪ ,‬און מיט די צייט פארענדיגט מען א גאנצע ספר‬ ‫תורה‪ ,‬וואס ‪ 304,805‬אידן זענען אנטייל דערפון‪.‬‬

‫יעדער אות (פון די ‪ 304,805‬אותיות) שרייבט מען פאר‬ ‫נאך א קינד‪ ,‬און מיט די צייט פארענדיגט מען א גאנצע‬ ‫ספר תורה‪ ,‬וואס ‪ 304,805‬קינדער זענען אנטייל דערפון‪.‬‬

‫^‬

‫א ספעציעלע ספר תורה ווערט געשריבן אין‬ ‫ארץ ישראל תובב"א‪ ,‬צו פאראייניקן גאנץ‬ ‫כלל ישראל – מענער‪ ,‬פרויען און קינדער‪.‬‬

‫אין דעם הייליג שטאט ירושלים תובב"א‪,‬‬ ‫זיצט א סופר און שרייבט א ספר תורה‪,‬‬ ‫ספעציעל פאר אייך‪...‬‬

‫ה“ ק‬

‫“ספרפהפפפהפלפחפהפהפפפאפ פ פ פחפלפפפפ פהפ פאפ“‬

‫אזא אחדות – ווי אידן פון איבער די גארער וועלט פאראייניגען זיך ארום די תורה – פארמאגט אין זיך א געוואלדיגע סגולה און ברענגט אויף‬ ‫גאנץ כלל ישראל ברכות און ישועות‪ ,‬געזונט און הצלחה‪ ,‬און איז מעורר רחמי שמים צו צואיילען די גאולה שלימה במהרה בימינו‪ ,‬אמן!‬ ‫(כ"ק אדמו"ר מליובאוויטש זי"ע)‬

‫וי‬ ‫קויופויטאזמען?‬

‫פילט אן א צעטל‪ :‬אייער נאמען‪ ,‬פאמיליע נאמען‪ ,‬מאמע'ס נאמען‪ ,‬טעלעפאון‬ ‫נאמבער און די אדרעס וואו די תעודה זאל געשיקט ווערן‪ ,‬לייגט צו געלט‪ ,‬און‬ ‫שיקט עס אריין צו "אור המעיין" ‪71 North Cole Ave., Spring Valley, NY 10977‬‬

‫מען קען אויך קויפן אן אות‪ ,‬און באצאלן‬ ‫מיט א קרעדיט קארד – דורך אימייל‪:‬‬ ‫‪OhrHaMayan@gmail.com‬‬

‫נתפרסם לזכות הילדה אסתר בת לאה גיטל שתחי׳ ליום הולדתה בר״ח מנחם‪-‬אב ה׳תשע״ו לאריכות ימים ושנים טובות‬

‫דורכן‬ ‫טעלעפאון‪:‬‬

‫‪(845) 825-3215‬‬

‫ע"י המחנך המפורסם ויועץ מומחה‬

‫הר"ר יעקב יוסף‬ ‫קויפמאן שליט"א‬ ‫מדריך נישואין ותיק במפעל אורחות חיים‬ ‫דחסידי סקוירא‪ ,‬וממדריכי מסורת‬

‫די ערשטע שיעור וועט אי"ה‬ ‫פארקומען בעיה"ת מאנסי יצ"ו‬

‫ביום ד' פ'‬ ‫שמות הבעל"ט‬ ‫ולמספ' ‪Jan. 15‬‬

‫צווישן די‬ ‫אקטועלע‬ ‫נושאים‬ ‫וואס ס'וועט‬ ‫געגעבן‬ ‫ווערן ביים‬ ‫גרופע‪-‬‬ ‫שיעור מיט‬ ‫א קלארקייט‬ ‫און‬ ‫געשמאק‪:‬‬

‫‪Special‬‬ ‫‪introduction‬‬ ‫‪price:‬‬

‫‪$95‬‬ ‫!‪ONLY‬‬

‫די שיעורים ווערן איבערגעגעבן‬ ‫אויף א ספעציעלע איינדרוקספולע‬ ‫און קלארע מהלך‪ ,‬באגלייט מיט‬ ‫נוצבארע ליטעראטור ארויסצוהאבן‬ ‫און אוועקצולייגן די תוכן השיעור‪ .‬אזוי‬ ‫אויך ווערט ביי יעדן שיעור געגעבן די‬ ‫מעגליכקייט צו פרעגן שאלות‪.‬‬

‫די ריכטיגע שליסלעך צו‬ ‫ווערןנאךנענטער|דיין פרוי'ס‬ ‫אייגנארטיגע באדערפענישן‬ ‫| קענען רואיג דיסקוסירן‬ ‫חילוקי דעות | האבן שלום‬ ‫בית אפילו ווען מ'איז א‬ ‫מענטש‪.‬‬ ‫פארנומענער‬

‫עקסקלוסיוו‬ ‫פאר יונגעלייט‬ ‫ביז ‪ 15‬יאר נאך‬ ‫די חתונה‬

‫ספועריע‬ ‫שי ן ‪4‬‬ ‫עורים‬

‫באגרעניצטע‬ ‫צאל זיצן‪,‬‬ ‫בוקט‬ ‫היינט!‬

‫ורת‬

‫שיעו‬

‫י‬ ‫מ‬ ‫ר ס‬

‫גרופע‪-‬שיעורים סעריע ‪1‬‬

‫א געוואונטשענע‬

‫שלום בית‬ ‫די אייגנארטיגע‬ ‫באדערפענישן‬ ‫פון אייער ב"ב‬

‫צו בוקן‬ ‫אייער‬ ‫פלאץ‪,‬‬ ‫רופט‬ ‫היינט‪:‬‬

‫‪845-656-7333‬‬

‫‪OFFICE@MASOIRES.COM‬‬

‫‪PHOTO CREDIT: JDN‬‬

‫געוועהן ביים סיום הש"ס אין בארקלעיס צענטער‬

‫קרוב צו צוואנציג טויזענט אידן האבן זיך משתתף‬

‫‪THE MONSEY VIEW / 221‬‬

‫‪PHOTO CREDIT: JDN‬‬

‫סיום הש"ס דורך 'דרשו' אין ירושלים‬

‫נייע בעלי בתים זונטאג כולל 'משיבת נפש' אין ק"ק פאפא מאנסי‬

‫‪222 / THE MONSEY VIEW‬‬

Contents

// Inside

FYI:

CREDIT CARDS

FREE ISSUE 231 JANUARY 8, 2020

THE GOLDEN PROMISE

‫פרשת ויחי‬ ‫י”א טבת תש”פ‬

Hashem sent me the money in a most unexpected way

HOW DO YOU DOLE OUT YOUR DOLLARS? A fix for each type of money mismanagement

THE ISSUE WITH INTEREST How to avoid running into problems with ribbis

New Series!

CRAWL OUT FROM UNDER CRUSHING DEBT Follow real-life people as they regain their financial footing

Publisher:

YOEL ITZKOWITZ Editor in Chief:

D. GORALNIK Content Editor:

R. REESE

Associate Editor:

E.M. NEIMAN Food Editor:

M.P. WERCBERGER Creative Director:

AJ WACHSMAN Project Coordinator:

R. ITZKOWITZ

THE MONSEY VIEW P.O. Box 305 Monsey N.Y. 10952

TELEPHONE 845-600-8484

FAX: 845-600-8483

E-MAIL: ads@themonseyview.com

WEBSITE: www.themonseyview.com

MISSION STATEMENT: The Monsey View is a weekly publication designed for every segment and age group of our diverse community. Under rabbinical guidance, we bring Monsey’s top talent together to provide high-quality, informative and current reading material, keeping you up to date on sales, events, news and issues of concern and import happening right now in the Monsey community. DISCLAIMER: We do not endorse any ad found in this publication. We are not responsible for typographical or grammatical errors. Copyright: All content found in The Monsey View is copyright and may not be reproduced, published, distributed or duplicated for public or private use without written permission from The Monsey View.

224 / THE MONSEY VIEW / January 8, 2020 www.themonseyview.com / 845.600.8484

68 // Inbox 80 // Parsha 86 //

Week in Review

93 //

The Cuckoo Clock

102 //

Political Pulse

107 // Food 118 //

Matters of Interest

128 //

Money Habits

143 //

Right on the Money

150 //

Climbing the Money Mountain

158 // FYI 162 //

Fun Pages

165 //

Coloring Page

180 // Classifieds 194 // Pictures

‫כי‬

‫צא תורה וד‬ ‫בר ה‬ ‫ן ת‬ ‫'‬ ‫מ‬ ‫ציו‬ ‫י‬ ‫ר‬ ‫ו‬ ‫מ‬ ‫ש‬

‫תלמידי‬ ‫מיר מאנסי‬

‫לי‬

‫ם‬

‫דעם‬ ‫דינסטאג‬

‫ת תורה‬

‫ס‬ ‫מ יבת‬

‫החזק‬

‫לטובת מבצר התורה‬

‫ישיבת מיר המעטירה בירושלים עיה"ק‬ ‫שתתקיים בעזהשי"ת‬

‫יום ג' לסדר שמות‬

‫כותלי בית‬ ‫המדרש יוכיחו‬ ‫כאפט א "ווירטואלע"‬ ‫שפאציר אין ישיבה‬

‫רואים את‬ ‫הקולות‬ ‫א הערליכע פרעזנטאציע‬ ‫וועט געוויזן ווערן‬

‫י"ז טבת תש"פ‬ ‫‪January 14 2020‬‬

‫באולם ניקלשבורג‬ ‫‪6 Milton Pl. Spring Valley, NY 10977‬‬

‫בשעה ‪ 8:00‬בערב‬ ‫המחכים לקראת בואכם לשלום‬

‫הנהלת הישיבה‬

‫מיט אייער נדבה‬ ‫פון ‪$180‬‬ ‫באקומט איר‬

‫א סעט זמירות‬

OFF with $25 minimum order

with mention of this ad â€˘ Exp 1/22/20

The Monsey View

Published on Jan 7, 2020

Issue 231

The Monsey View

Issue 231

Published on Jan 7, 2020

The Monsey View

themonseyview

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