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Beyond the Headlines
A weekly glimpse into the Israel you won’t read about in the news
By Sivan Rahav Meir
EVERYONE HEARD, YITRO TOOK ACTION
What Is Your Response to Reality?
I am writing from the plane, on my way to New York, to meet more of the Jews who were affected by the events of October 7, and who are waking up and changing.
And this is exactly what we see at the beginning of our Torah portion, Parashat Yitro: The whole world heard about Yetziat Mitzrayim. Everyone talked about it. But there was one person who stood up and did something.
Parashat Yitro begins, “And Yitro, priest of Midian, Moshe’s father-in-law, heard of all that God had done for Moshe and for Israel His people.”
Yitro hears about the transition from slavery to freedom, about the new tidings in the world, and he does not remain indifferent. He hears, internalizes, and takes action: “And Yitro, Moshe’s fatherin-law, came.”
Yitro leaves his home and joins the people of Israel.
Many commentators write about Yitro’s ability to listen. The Torah itself tells how many nations heard about the Exodus from Egypt, how they were astonished and terrified. Millions of people in the Middle East followed the drama. Did it inspire them to change? To do something? No. Only Yitro was inspired to understand what all this meant for him. He not only heard—he changed.
We are bombarded with huge
amounts of information competing for our attention every day. Every day, we all hear countless different news items. So much is happening right now. Yitro’s story raises a question: What do we do with what we hear?
The Face of Absolute Evil
“Hashem said to Moshe, ‘Inscribe this as a memorial in the book … that I will surely obliterate the remembrance of Amalek from beneath the heavens … a war for Hashem against Amalek from generation to generation’.”
These verses were read in shuls around the world last Shabbat, and they are an important reminder: Hamas, the embodiment of absolute evil, is not just the enemy of Eli Sharabi, Ohad Ben Ami, and Or Levi, the captives who returned to Israel last Shabbat. Hamas is not just the enemy of the people of Israel. The Amalek of every generation is the enemy of God. It is the enemy of all that is good and holy in this world. The enemy of life.
(L to R) Released hostages Eli Sharabi, Ohad Ben Ami and Or Levy
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Last Shabbat, with the release of the emaciated, frail hostages, we received a small reminder of what happened here on Oct. 7, and what happens every time absolute evil succeeds in fulfilling its plans.
So, what do we do? We must pay close attention to what precedes Amalek’s arrival. In the Torah portion, we read about complaints and disputes among the Jewish people, about a lack of faith, of weariness and weakness. It’s amazing when you take note of the verse that precedes the account of Amalek’s attack: “And he called the name of the place Massah and Merivah, because of the strife of the children of Israel, and because they tested the Lord, saying, ‘Is the Lord in our midst or not?’”
Out of strife, confusion, and wondering whether God is with us—Amalek takes the opportunity and attacks. In other words, Amalek’s real enemy is our shared faith, our strength, our resilience. And that’s how we fight it.
A Dream Fulfilled
Sima Hajaj and her husband Yakir, parents of three, had long cherished a dream together—to dedicate a sefer Torah. However, this dream had always seemed unattainable. About three and a half years ago, their lives took a drastic turn when Sima was diagnosed with cancer, thrusting them into a grueling journey of treatments and surgeries. The couple showed profound unity in the face of adversity, each taking charge of different aspects to swiftly find solutions.
During one of their uplifting conversations amidst the trials, they made a commitment to each other that should they overcome
the cancer, they would fulfill their longstanding dream of dedicating a sefer Torah. In her darkest moments, Sima found solace and strength by visualizing the Torah procession; she imagined her children dancing, onlookers peering from windows, and the sound of cars honking in celebration. This vision of joy and communal upliftment kept her going.
A year after Sima’s diagnosis and following the most intense phase of recovery, the couple hosted a seudat hoda’ah. In a spontaneous gesture during the event, Yakir invited Eliyahu Aton, a sofer stam, to commence the writing of a sefer Torah. When asked about the dedication of the Torah, Yakir declared it was “For the sake of the living!” That day marked a rebirth for Sima.
After the sefer Torah was completed, an unforeseen opportunity arose when a friend from the community of Talmei Yosef, located
seven kilometers from the Gaza border, informed them that their community’s Torah scroll had been disqualified and they were in need of a new one. Through clear hashgachah, the Torah written “for the sake of the living” found a new home just at the right time.
The hachnasat sefer Torah became a profoundly significant event, especially marked by the presence of Sigal Kraunik and her children. Sigal’s husband, Arik, the former security officer of Kibbutz Be’eri and one of the first to fall defending others on October 7, imbued the occasion with deep emotional resonance. Thus, a dream shared by two eighteenyear-olds brought light into their lives and to others, two decades later.
Want to read more by Sivan Rahav Meir?
Google The Daily Thought or visit sivanrahavmeir.com
Translated by Yehoshua Siskin, Janine Muller Sherr
(L) Yakir Hajaj with the new sefer Torah
THE GREAT CHOLENT COOK-OFF!
Think you make the best cholent in town? PROVE IT!
Bring your best cholent recipe and join the ultimate competition for a chance to win $5,000 for your shul!
A CHOLENT SHOWDOWN LIKE NO OTHER!
On March 6th, South Florida’s finest cholent chefs will go head-to-head in a competition that’s about more than just food—it’s about bringing the community together!
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WHY JOIN?
Haman tried to separate the Jewish nation, and Mordechai HaTzaddik worked to bring us together. In that same spir it, we’re launching this annual community event, uniting all South Florida shuls for a friendly yet fierce cholent contest!
HOW IT WORKS:
Sign Up & Cook: Have a legendary cholent recipe? Register now for just $36 and put your skills to the test!
Taste & Vote: Not a cook? No problem! Attend the event, taste the incredible entries, and help decide the winner. Judging: A panel of expert chefs will weigh in, but the real power is in your hands! Attendees get to vote for the best cholent, making this a true community-driven competition.
WHAT’S AT STAKE?
The grand prize winner will receive a $5,000 donation to their shul, thanks to our generous sponsor, Optima Bank! But that’s not all! Every shul will have a custom ticket link to sell admission, and 50% of ticket sales go directly back to each shul! So by participating, you’re not just cooking— you’re supporting your own community!
WHAT ELSE CAN YOU EXPECT?
Live entertainment to keep the energy high!
Exciting raffles & giveaways!
READY TO JOIN?
This isn’t just an event. It’s a movement. Sign up today and be part of the most delicious community gathering of the year!
Scan the QR code or visit our website to register and learn more!
As we continue to celebrate our Centennial, it’s a great time to reflect on the strides our city has made and to look ahead to the future. I’m excited to invite you all to join us for the 2025 State of the City Address, where I’ll be sharing a detailed overview of Boca Raton’s progress, upcoming initiatives, and the vision for our vibrant community. This year’s address will be Friday, March 14 at 6 p.m. at Mizner Park Amphitheater, as part of an expanded community celebration for our City’s Centennial.
This year’s address will focus on several key areas that directly impact the quality of life for all Boca Raton residents. These include our continued commitment to fostering a business friendly environment, enhanced infrastructure, dedication to health and public safety, and providing worldclass amenities to our residents at the lowest tax rates possible.
Without giving away too many spoilers, you will hear about Boca Raton Regional Hospital’s $1 billion campaign, our city’s excellence in education at both the K-12 and collegiate levels, our innovative economic development, our strong public safety, and many other wins.
This past year has brought new public art, parks, and cultural events to our residents to enjoy. I will highlight the recent successes and promote what is in store for the rest our Centennial year.
Perhaps one of the most exciting projects will be in moving forward in its next phase by the time you read this.
If all goes according to schedule, the City Council will likely have
By Mayor Scot Singer
ranked the four proposals the city received that seek to reimagine a downtown campus that best serves our residents with world-class amenities they deserve. Instead of an outdated, disjointed government complex that is largely abandoned after regular business hours, the goal is to create a thriving, walkable, vibrant downtown that is a gathering place where we residents will want to be.
The city will be close to inking an interim agreement to fulfill a vision that is more than eight years in the making. The project will redevelop and modernize the city’s outdated downtown campus and transform our aging facilities and stressed infrastructure into a new destination for our residents and employees.
As we continue to attract the best employees and enhance life for residents, we need a thriving area with spaces we need, amenities we want, and services we expect. The interim agreement will be just another step on the many years of planning, and still precede substantial public impact.
The new downtown government campus will feature brand new civic facilities as well as shops, restaurants, and public space that will remain open long after City Hall
closes at 5 p.m. The goal is to create a new, walkable neighborhood that capitalizes on our Brightline station and the proximity to Mizner Park.
A decision to relocate the Police Station to a more suitable location by the Spanish River Library is also underway. As our city has evolved, it is no longer ideal to locate our police station by the railroad tracks and near a growing pedestrian-oriented district.
The City will be working alongside independent consultants to conduct the necessary feasibility studies to ensure the project’s successful integration into the community.
There process involves many steps, studies, and opportunities for tweaks to ensure the best outcome for our City and our residents.
This project comes at an exciting time in our city’s history. As we celebrate our Centennial and our 100 years of success, we are laying the groundwork and vision of our city for the next century.
Our downtown campus should honor our past, reflect the gold-standard of the present, and continue shining as we enter the next chapter of our city’s story. Please join your neighbors at our community celebration on March 14 at 6 p.m. where you can hear more about this and our other initiatives in our historic centennial year.
As always, you can share any thoughts you have at ssinger@myboca.com, and stay connected on Facebook, Twitter, and Instagram at @scottsingerusa.
Scott Singer is the 35th Mayor of Boca Raton and was re-elected in 2023. A South Florida native, attorney and small business owner, Scott and his wife Bella live in Broken Sound with their two children.
TIVERIA HAMOSHAVA
New Galilee Housing Project 70 Anglo families have already purchased houses and apartments! Prices starting at $690,000.
ABOUT THE PROPERTY
A new neighborhood is being built on the outskirts of Upper Tiberias near Poriya, in the Lower Galilee The neighborhood is called, Tiveria HaMoshava
The neighborhood will consist of low rise apartment buildings, semi detached cottages, and some fully detached cottages.
PROPERTY FEATURES
Living/Dining Room
3-4 Bedrooms
Large Balcony
2-3 Bathrooms Private garden
2-Car Parking Space
DEMAND IS STRONG BECAUSE:
A fast train station is coming to this area of Tiberias, just across the main road! Enjoy a 1-hour ride straight to Tel Aviv
The municipal stadium is being constructed there now Major stores for shopping are going up
A suburban layout with new playgrounds
Just a short drive to the Kinneret and holy sites, this area offers cooler temperatures and less congestion than lower Tiberias neighborhoods
Exclusive opportunity: 21 semi-detached cottages available in this new neighborhood! Join Rabbi Nesanel Cadle’s 3rd Kehila in Eretz Yisrael, attracting many English-speaking families.
The Modern Orthodox Conundrum
A three-part series on what the problem is, why is it happening, and the solution.
By Avi Ciment
Part Three
The Solution?
Firstly, what’s really important to you? You can’t dance at two parties. If Torah and mitzvot are not on the top of your list, then your observance - along with your childrens - will reflect that. We either want a serious relationship with God, or one of convenience. We can focus on the material world and all things physical, or we can refocus our attention to our spiritual dynamic, our souls. When I was on the left side of modern orthodoxy, while I believed in God and followed the rules, I didn’t do it out of love, but more out of rote and fear. Like most kids, I didn’t view prayer as a real opportunity to bond, praise, and beseech God. I saw it as something I had to get over with so I could get on with my day. I talked during shul incessantly because I didn’t get the memo that I was actually standing in front of God and blowing an opportunity to ask Him for brachos. But circumstances in my life changed, and I suddenly looked at God and my relationship with His Torah more seriously.
Second, schools have to get on board and decide that part of Jewish education is making kids more observant. Many modern orthodox families place a very heavy importance on academic achievement, yet aren’t nearly as concerned with Torah and
mitzvah achievements. And their kids pick up on this. Grades and education are important, but to what end? I don’t remember much of what I was taught, but I do remember the nice rabbis who spent time talking to me about things not related to school and grades. But that’s hardly the agenda of most Jewish Day schools, where many rabbis are more concerned about whether or not you missed davening or did well on their tests, rather than if you actually believe in God. Most rabbis who work in these schools rarely put their own kids in Jewish Day Schools and opt for yeshivas because they see the writing on the wall. And that’s why many modern orthodox kids frum out once they leave yeshiva Day School and attend a yeshiva in Israel, where the rabbi’s sole purpose is to bring them closer to Hashem, as opposed to focusing on grades. Organizations like NCSY, JSU, Ohr Sameach and AISH do unbelievable work, and we should continue to support them, but they can’t do it alone. Schools need to get on board by acknowledging the problem and working to fix it. Why is 90% of the Jewish education they receive rarely relegated to Hashkafa? Shouldn’t they know why it’s wrong to text on Shabbos or have a cheeseburger. Elliot Resnick, former editor of the Jewish Press, posed a question I have thought
about for years: “Is it really more important for the average Jew to know the laws of Eruvin than it is to understand man’s purpose on this earth?” I can’t honestly remember most of the things I learned in high school or college for that matter - but I can remember which rabbis actually cared about me, as opposed to the rabbis who were just phoning it in. Dr. Aharon Wexler further suggests that “Rabbis on both sides agree that the failure lies in the deliberate neglect of questions of belief, theology, and the “why” of observance.”.
My son told me that many guys attending yeshiva in Israel for their gap year actually went through a “detox period’’ as they were previously mechalel shabbos, even though they were from observant homes. Why is this “detox” period happening in the first place? This is not a common yeshivish issue.
Third, it’s never too late for parents to bring God into the discussion. Sure, my father sent me to a Jewish Day School, but he never relied on the rabbis to introduce me to God and His commandments. Even the few minutes a week he showed me the chumash on Shabbos, I knew he believed every word he taught me. He also told us about the holy power of the Shema, Shabbos, and Tefillin. Talk to your kids. Explain to them that living a Torah life of
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mitzvot is the most importantand joyful - thing in the world. They have to hear it, see it, and live it. Chabad works because their passion is palpable. They proudly and openly love Torah, and mitzvot, engendering a far more exciting Jewish experience than your average M.O. shul.
Fourth, do not send your children to a secular college unless he is completely insulated and strong in his or her hashkafa. And even then, you’re just playing with fire. Practically every Hillel house and campus rabbi I’ve interviewed said that the challenge to remain frum in a college environment, particularly for those dorming, cannot be overstated. (Certain heavily populated orthodox areas like N.Y. are a noted exception.)
A local family I know has a large family of super smart girls who just had to go to Columbia on scholarship. Twenty years later and all of their children, and grandchildren, aren’t frum, and this was a very nice modern orthodox family.
Lastly, the reason modern orthodoxy is in danger is the very same reason that Moses Mendelssohn’s Reform movement failed miserably. You can’t change the recipe. When we try to remove and change and ignore certain laws from the Torah, we are simply poking holes in the boat and assuming it won’t sink. And kids can smell hypocrisy a mile away. For you, it’s just eating dairy in traif restaurants. For your kid, it’s texting on Shabbos and skipping Tefillin. And before long, your grandkids and you
are no longer on the same page anymore. Chas V’shalom.
Ultimately we must realize that picking and choosing the commandments that appeal to us is a dangerous game to play. When we say, “This law is important but this one isn’t,” it is no different than removing certain ingredients from a recipe. While yeast is a tiny component in the mix, without it, bread cannot rise. Without a tiny rubber 1/4 inch o ring, a pressure cleaner cannot operate with full pressure (I attempted it - big mistake.) Similarly, we are literally diluting the light of God by watering down His most perfect recipe - the Torah! Some mistakenly assume that a quick Shabbos text won’t hurt anyone. I would only say that a cigarette doesn’t seem to be hurting anyone either. But science has now conclusively proven that untold “physical“ damage is done by smoking, just as violating the Shabbos causes untold “spiritual” damage to us and our children. We must remind ourselves that the things that we perceive as small are actually connected to things much larger than we could ever imagine. Like Hashem. And our children. And grandchildren. It’s very telling that Mendelssohn was in fact religious and educated but once he messed with the halacha and mesorah, the walls came tumbling down. The proof? Of Moses Mendelssohn’s six children, four converted to Christianity and of his grandchildren, only one was buried as a Jew. Lesson? Don’t mess with God’s recipe.
One day, I had a deep intimate
conversation with a very intelligent Chassidishe customer. He says to me, “Avi, I’ve got a question for you. I noticed this past winter at the Fontainebleau, many young Modern Orthodox teenagers during winter break were dressed completely inappropriately, sitting on each other’s laps, touching and holding hands. I even saw a few teenagers unabashedly texting on Shabbos. I’m completely confused. After all, it’s one thing to do something wrong and be ashamed of it and try to hide it, as we sometimes do. But with many modern orthodox, it’s as if all these laws in the Torah that you’re violating don’t even exist given that you do these aveiros publicly without any guilt or shame whatsoever.”
Ouch! Talk about a fullbody slam. And no matter how frustrated I was, I knew he was 100% right. I thought back to when I was in high school and how most guys were never embarrassed to hold a girl’s hand, or talk incessantly during shul. I explained that many modern orthodox Jews don’t know the seriousness of what they’re doing and therefore don’t feel a need to hide it. The Gemara discusses the idea that when a person sins once, he rationalizes it, the second time, he rationalizes that it is permitted, and Rav Yisroel Salanter z”l used to say that the third time, it becomes a mitzvah! All sins are wrong, but a person who hides his sin at least realizes he’s doing something wrong. But what about a person who doesn’t even hide it? And what’s worse, if you don’t think you’re doing
something wrong, how can you ever change yourself?
The Talmud Yerushalmi says the one sin for which God can never forgive man is not learning Torah. At first glance, this statement seems strange. After all, aren’t there more unforgivable sins than not studying Torah? The rabbis understood that as long as a person learns Torah, there’s always a chance he can change. However, when a person shuts the door to Torah, all bets are off. That individual will never change because he never knows that he’s doing something wrong in the first place. And eventually, certain laws that were observed and respected for thousands of years,
suddenly become out of date and no longer obligatory.
Take a good honest look around you. Observe that most families that have good solid frum children generally treat the Torah and mitzvot with respect and serve Hashem in happiness. Modern orthodoxy is not failing for the families who treat all mitzvot equally and take Halacha seriously, but that represents a shrinking number. The outside secular forces are simply too difficult to withstand for many in the modern orthodox world as the shrinking numbers suggest. When we look for the loopholes and play the pick and choose game, we’re rewriting Hashem’s
Divine word, and everything falls apart.
My fellow brothers, no matter how we slice it, the facts speak for themselves. Those who place Torah and mitzvot on the top of their priority list create a strong solid Torah foundation for themselves and their children. Yet history has shown us time and again that diluting the Torah never goes well for us. Now more than ever, we need Hashem’s Divine protection. What better way to achieve it than by properly observing the greatest gift we could ever want, the true blueprint to living a full, productive and fulfilling life. It will serve us, and our families, well. Both here, and beyond
Sha’arei Bina Announces New Head of School
Mrs. Morgenstern previously served as our Middle School Principal with unwavering dedication. During her tenure, she consistently displayed stability and wisdom. Her maturity and professionalism were an offshoot of her ability to navigate complex situations with intelligence. Her nurturing approach toward students, faculty and parents generated a profound and lasting impact on our school community.
Mrs. Morgenstern brings an extensive background in both Judaic and General Studies education, coupled with a deep understanding of the needs of young, frum women. She is uniquely equipped to serve as a role model, cultivating a school culture where respect, growth, and excellence thrive. Her keen appreciation
for the aspirations of our parents and the Hashkafa of Sha’arei Bina ensures that each graduate leaves prepared, confident, and firmly grounded in Torah values.
Mrs. Morgenstern will work closely with our Interim Head of School, Rabbi Elchonon Abramchik, to build on Sha’arei Bina’s strong foundation and collaborate with our exceptional administrative team. With this powerhouse team of Mrs. Naomi Sprung, Mrs. Carol Fried and Mrs. Rivkah Bodkins, led by Mrs. Morgenstern, we are confident in the creation of an environment that is both educationally excellent and spiritually inspiring, guaranteeing success for every student.
Mrs. Morgenstern’s leadership will bring tremendous benefits to
our students, staff, and the broader Sha’arei Bina family. Under her adept leadership, Sha’arei Bina anticipates continued growth, success, and nachas for years to come.
For additional information about Sha’arei Bina, please call 954-927-5544.
If you or your loved one needs care at home, Nautilus will match you with the perfect caregiver. We make sure every patient receives the personalized and tailored care they deserve, in the care they deserve, in the comfort of their own home.
It is nice knowing that Nautilus isn’t just another agency; it has people who care and with my father.” TEIN
Mrs. Morgenstern brings an extensive education, coupled with a deep is uniquely equipped to serve as respect, growth, and excellence parents and the Hashkafa of Sha’arei confident, and firmly grounded in
Mrs. Morgenstern will work closely Abramchik, to build on Sha’arei exceptional administrative team. Mrs. Carol Fried and Mrs. Rivkah the creation of an environment inspiring, guaranteeing success
Mrs. Morgenstern’s leadership will the broader Sha’arei Bina family continued growth, success, and
For additional information about
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Operation Inspiration: Shliach Mitzvah Guilt
I am not a big believer in “Jewish guilt.” People speak about it like Judaism preaches that we should be feeling bad and anxious all the time. That is very much not true. Guilt has a time and place, but it is supposed to be finite, and help you to improve. If it just stymies you and paralyzes you, you’re doing it wrong. You should be doing the right things because they’re the right things, and Hashem wants you to do them, not because you’ll feel terrible about yourself if you don’t.
Remember, we are supposed to serve Hashem with joy, and the Rambam says the key to Olam HaBa is fulfilling at least one mitzvah with shleimus, completeness, and that includes the joy of the mitzvah. The Ari z”l said that whatever he accomplished was due to the mitzvos and service of Hashem that he did with joy and happiness.
The main reason I entitled this column Shliach Mitzvah Guilt, is because it’s so close to ‘gelt,’ money. Shliach Mitzvah Gelt is when someone hears you’re going on a trip and they want to show they care for you. Chazal taught us that, “Shluchei Mitzva ainan nizakin – those on the way to do a mitzvah come to no harm.” Therefore, these friends will pull out some money and ask us to give it to tzedakah at our destination. In this way, we have an extra level of protection on our travels.
Well, when I was taking a trip recently, a friend came by to discuss a couple of topics. He’s an avid reader of my Divrei Torah and prose, and takes it to heart. He even hears my voice in his head when he’s returning his shopping cart to the store. So, when we were done talking, he pulled a five-dollar bill from his wal-
By Rabbi Jonathan Gewirtz
let and handed it to me, for, “Shliach Mitzvah Gelt.”
It was a nice gesture and I folded it in a special way and placed it in my wallet. At my destination, I walked over to the tzedakah box in shul, and took out the five. I put it in the pushka, and took back three dollars. I figured, “I’ll get protection for the way back, too, and put this in tzedakah back in Monsey!”
When I got back, I walked over to the pushka in MY shul, pulled out the three dollars, and deposited them in it with a smile. I noted that it was much easier to give this money which wasn’t mine, and had already designated for tzedakah. I had no hesitations because that’s what it was for.
And that, my friends, is where a bit of the guilt comes in.
You see, I realized that everything we have comes from Hashem. It isn’t really “ours” in the strictest sense of the word. It came from Hashem and is intended for us to do good things with, in other words, “Shliach Mitzvah gelt.”
The mitzvah doesn’t have to be just giving it to tzedakah. It could be paying tuition, honoring our spouses, caring for our children and parents. Our money could be used to enhance Shabbos, spent at Jewish-owned stores, and become payment on time
for Jewish workers and employees. The urge to hold onto our money should be overshadowed by the awareness that it isn’t ours, and we’re just benefiting from the opportunity to use it wisely, as Hashem would want us to.
At that moment, I felt a bit guilty that I wasn’t looking at it like that. Proof of that? How “free” I felt with the shliach mitzvah money my friend had given me. However, once I got the message, I didn’t keep feeling bad. Instead, I felt better that I had a new perspective on life, one that would make being generous easier. And, since I was being generous, I didn’t keep the idea to myself – I shared it with all of you!
When you see someone going on a trip, go ahead and pull out a dollar or two to show them you care. You’re not only giving tzedakah, but you’re giving your love, and they will appreciate it too. (At least they ought to consider what it really means.) That’s one of the reasons you have the money, and why you heard about their trip. Hashem set you up to do this mitzvah, so don’t let Him down. Take advantage just like you would if your father gave you his credit card and told you to enjoy the amusement park. He wants you to have a good time, and so does Hashem!
When you get into the habit of spending your money like it’s Hashem’s, you just may find yourself with a lot more of His money, to do a lot more good with. And you don’t have to feel guilty about spending it.
Did you enjoy this column? Feedback is welcome and appreciated. E-mail info@JewishSpeechWriter.com to share your thoughts. You never know when you may be the lamp that enlightens someone else.
Business Spotlight: Ardent Group
The South Florida Community Voice engages with businesses across diverse industries in order to inform and best serve the needs of the local Jewish community.
THE SOUTH FLORIDA COMMUNITY VOICE (TSFCV):
We’re here today at the Jewish Construction Expo at the Miami Airport Convention Center. I’m talking with Jacob Mermelstein. Hi Jacob, good to meet you. Please tell us about your business and your experiences with JCE.
JACOB MERMELSTEIN (JM):
I own a company called Ardent Group. We are an asset management, property management and HOA (Homeowners Association) management company based in Miami and manage all over South Florida. We manage both small and large properties here, as well as larger properties all over the U.S. We have locations in Indiana, Georgia, The Florida Panhandle and others. This is our second year at the JCE. What I’ve seen is that the quality has gone up a lot. Last year was the first year and it was a very successful show. There were also a lot of people there just to see what a Jewish show is all about. I think those people are not here. It’s more businessmen. I have a couple of leads for my business. I’ve met a lot of people that I do business with throughout the year. I’m very happy so far with the way it’s going.
TSFCV:
Tell us about your target audience. How much of it is in South Florida?
JM:
Our business is divided into a few areas. Let’s start with property management. We do property management for multi-family and commercial warehousing. I always say a couple of things. Number one is every building you see needs to be managed. Some buildings are managed by the owner, but most are not. So, there’s always a need for a management company. What makes us stand out from all other management companies that I know of? I won’t be your cheapest management company. But I will be the least of a headache to
work with. We don’t have the hidden fees, transaction fees and other fees that a lot of management companies charge. You know what you pay and you know what you get. We have systems in place to trust and verify. We have a back office that’s based out of the Philippines doing spot check calls, for example, with tenants for feedback after maintenance was done. We spot check potential tenants to see how they are treated by the leasing team and vice versa. We have other asset managers that spot check regional managers. We are very much top to bottom and
COMMUNITY NEWS
bottom to top transparency with everyone in our workforce and in our place of employment. Most management companies have an overnight answering service with three phone numbers to call them. Nobody picks up. They just try again and again and again. Having our back office in the Philippines means that our company picks up if there’s an emergency in the middle of the night. We do weekly Zoom calls with the team in the Philippines to make sure that they know who to deal with for each property, how they look and everybody’s positions on the property.
We’re about to launch an HOA management service. We’ve had a lot of calls and requests for it. We are planning to take our expertise,
our knowledge and the vision that we have for rental properties into HOA management. It manages a lot of different moving parts. Some communities have landscaping security besides the insurance and everything else that any property has. Then you have to deal with multiple owners. You have to deal with the board, the meetings, and votes. It’s the same thing, but yet also a completely different animal.
TSFCV:
That’s good. I’m going to summarize what else the business does and then we’ll close it up getting back to the show.
JM:
Arden Group does asset management for business owners or owners that have bigger complex-
es, and they have the management in place. They only need someone to be on top of the management company, but that’s also a different subject for a different day. We do third party underwriting and advising on whether a real estate deal is good or not. Back to the show now - I think we should go back to the show to meet potential clients and catch up with established clients. JCE is amazing here and whoever is not here should make sure to go on the JCE’s website and register for next year.
Would you like to be featured in our next Business Spotlight - highlighting your company to our readers throughout South Florida? Email: motti@tsfcommunityvoice. com
OU Advocacy Holds First Attorneys Conference on Antisemitism
Last week, more than 125 Jewish attorneys from across the country gathered at the Orthodox Union Advocacy Center’s (OUA) inaugural Attorneys Conference in Fort Lauderdale, Fl. to strategize on how to defeat antisemitism.
The OU Advocacy Center decided to convene this unprecedented gathering in response to the unprecedented wave of antisemitism the community has been grappling with since the terrible events of Oct. 7, 2023.
The goal of the conference was to learn from experts and brainstorm new and creative ways to use America’s legal system to combat the world’s oldest hatred.
The conference kicked off Sunday evening with a keynote address by David Schizer, the former dean of Columbia Law School and a co-chair of Columbia University’s Task Force on Antisemitism. Columbia has been a hotbed of antisemitic protests and encampments. Just a few weeks ago, proHamas students stormed an Israeli history class to pass out flyers with violent imagery.
Monday’s sessions consisted of panels of leading lawyers from across the profession. One panel featured a trio of prominent federal judges – Hon. Matthew Solomson (Court of Federal Claims), Hon. Robert Luck (Court of Appeals), and Hon. Robert Scola (District of Florida). Senator Lindsey Graham (R-S.C.) and Congressman Dan Goldman (D-N.Y.) spoke together from the legislative perspective.
Another panel included attor-
neys leading key lawsuits against antisemitism, featuring Brandeis Center President Alyza Lewin, Pepperdine Law School Professor Avi Helfand, and Baruch Weiss of Arnold & Porter. Yet another session was focused on the experience of lawyers serving as in-house counsels at major American corporations. Finally, Hon. Paul Clement, former Solicitor General of the U.S. and a lead attorney in the Jewish students’ lawsuit against UCLA, delivered a keynote address at Monday evening’s dinner.
“The OUA conference brought together an extraordinary group of lawyers, judges, politicians and academics—all committed to identifying ways to respond to growing antisemitism in the United States,” Pepperdine’s Avi Helfand said. “While the challenges remain daunting, the conference’s high energy and thoughtful discussion really provided optimism for where we go from here. I couldn’t be more proud for Pepperdine Law School’s Nootbaar Institute to have co-sponsored this one-of-a-kind event.”
Congressman Dan Goldman thanked OUA’s executive director, Nathan Diament, for organizing the conference and fighting for the Jewish community. “You are very lucky to have Nathan…. He’s a terrific, very practical, pragmatic, thoughtful, real partner in all of this.” Rep. Goldman and Sen. Graham mentioned some of the legislation they are working on—like forcing universities to disclose foreign contributions and their underlying agreements with foreign donors.
Attendees also heard from lawyers who are on the frontlines of the antisemitism fight, steeped in active cases against Harvard University, UCLA, and others. A debate emerged over the best legal strategies to pursue in these cases, with Alyza Lewin stressing the danger of relying on arguments based only upon Jews as a religious community.
“Cut it out when you try to suggest that we’re not a people, that we have no history in the land of Israel,” Lewin said. “That is what today is being called ‘erasive antisemi-
tism.’ And we must talk about this every opportunity we get. We must make sure that nobody–nobody, nobody–defines our identity by trying to pigeonhole us as just the faith, and forcing us to give up our pride in our Jewish ancestral and ethnic heritage.”
The conference concluded with breakout sessions to brainstorm new avenues for tackling antisemitism—in court, on Capitol Hill, in schools, and in the corporate space. Many lawyers expressed a desire to volunteer on cases and be part of this growing movement.
“It was inspiring to connect with so many accomplished and thoughtful lawyers leading the way in legal advocacy for the Jewish community and to brainstorm other ways to get involved and support this important effort,” said Julie Rapoport Schenker, a deputy general counsel for a DC-based trade association.
“We are truly thankful and inspired by the number of attendees and their responses,” said Nathan Diament, OU Advocacy’s executive director. “Members of our community are eager to get involved — they just need help being pointed in the right direction. One thing is for certain: The antisemites stand no chance against a united Jewish community.”
The event was sponsored by well-known companies and institutions, including Arnold & Porter, Deloitte, Gibson Dunn, Kroll, Pepperdine Caruso School of Law, Sullivan & Cromwell, Teach Coalition, and Weil Gotshal. Generous individual sponsors enabled law students from Harvard, Yale, and Georgetown Law Schools to attend the conference.
The Lucky Dip
Pepperdine Law School Professor Avi Helfand, Brandeis Center President Alyza Lewin, Arnold & Porter’s Baruch Weiss, Gibson Dunn
Jewish Construction Expo 2025 Exceeds All Expectations in Second Year
The Jewish Construction Expo (JCE) transformed the Miami Airport Convention Center into a bustling hub of industry networking and knowledge sharing this February 12th. Despite being only in its second year, the event demonstrated the polish and professionalism of a long-established industry gathering, drawing hundreds of construction professionals, suppliers, and tradesmen from across the industry.
The vision behind JCE came from hosts Moishy and Pessy Farkas, who recognized an untapped opportunity to unite the thriving Jewish communities throughout Florida. From the bustling neighborhoods of Miami-Dade, Broward, and Palm Beach counties, they saw the potential to bridge the gaps between Jewish construction professionals who had previously been working in parallel but separate spheres. Moishy, drawing from his experience as a general contractor, and Pessy, widely recognized for orchestrating some of South Florida’s most successful corporate and community events, knew their unique combination of industry knowledge and event planning excellence could create the perfect foundation for bringing these communities together under one roof.
The remarkable maturity of this event speaks volumes about the organizers’ vision and execution. With strong attendance and engaged participation, the expo has already established itself as a significant event for the Jewish
COMMUNITY NEWS
construction community, achieving in just two years what many trade shows take half a decade to accomplish.
The expo floor buzzed with activity as tradesmen and suppliers showcased their services and products, creating valuable opportunities for face-to-face interactions and relationship building. The diverse mix of exhibitors reflected the broad spectrum of the construction industry, from specialized trade contractors to material suppliers, all under one roof.
The spacious and welcoming atmosphere of MACC set the perfect stage for meaningful interactions and productive discussions throughout the day.
Complementing the main expo activities, attendees benefited from valuable business presentations. Tom Woodcock shared insights on networking, negotiation, and sales strategies, while Norman Axelman offered practical guidance on Excel and QuickBooks for construction businesses.
The expo floor provided an efficient space for industry professionals to meet, connect, and do business. Adding to the professional atmosphere, attendees enjoyed exceptional food service throughout the event.
And if you’re wondering how successful the expo was - well, the biggest “complaint” was that the name badges could have been a font size larger. When that’s your biggest problem, you know you’ve done something right!
As the construction industry continues to evolve, events like the JCE play a crucial role in bringing together professionals who share not only business interests but also community connections. The
expo has quickly become more than just a trade show; it’s a vital platform for knowledge exchange and community building within the Jewish construction sector.
Mark your calendars: The third annual JCE is scheduled for January 14th, 2026, IYH. Given the remarkable success of this year’s event, and the JCE’s track record of exceeding expectations, next
year’s expo promises to be another milestone for the Jewish construction community.
The Jewish Construction Expo continues to deliver exceptional value, bringing together the community in a welcoming environment that combines meaningful networking with professional development opportunities.
Sunday to Thursday: 12pm - 10pm Friday: 11am - 3:30pm OPENING HOURS Scan the code to order!
COMMUNITY SNAPS
YACHAD
KATZ YESHIVA HIGH SCHOOL
SHAAREI BINA BRAUSER
Our students visited the Nova Exhibition where they were able to experience the moving tribute to the victims and survivors of the October 7th attack
On February 5, BMA proudly hosted the Middle School CIJE Robotics Tournament, welcoming teams from JLA, Katz Hillel, Hebrew Academy, and Levine Academy (Dallas) alongside our own BMA students. The arena was buzzing with excitement as teams showcased their robots, relying on teamwork, strategy, and innovation to score points. Mazel Tov to one of our BMA teams—Nellie Norman & Ethan Kohlhagen (8th Grade)—who secured 1st Place alongside a team from Katz Hillel Boca! It was an incredible day of friendly competition, collaboration, and STEM spirit. Kol HaKavod to all the participants, our amazing Robotics Team and their amazing Coach, Mrs. Hanna Shekhter for making us proud
Yachad’s Fun with Fitness event with Mrs Blachman
Shaarei Bina 6th graders group work in math
goal
Buffalo Turkey Wings with Non Dairy Ranch
By Jamie Geller
• 155 MIN DURATION • 75 MIN COOK TIME • 20 MIN PREP TIME • 4-6 SERVINGS •
Classic buffalo wings get a little meatier by using turkey wings. Using coconut oil instead of butter still allows the sauce to coat nicely and it provides a little flavor too. Serve these with the most amazing non dairy ranch dressing made with cashews.
Ingredients
• 5 pounds Kol Foods turkey wings For the sauce
• 1 cup Frank’s Hot Sauce
• 1 cup coconut oil
• 1 teaspoon Worcestershire sauce with no fish
• 1/2 teaspoon salt, or to taste
• cayenne pepper to taste (optional)
• Cashew Cream Ranch
• 1 cup raw cashews (about 5 oz.)
• 1 tablespoon chopped flatleaf parsley
• 1 clove garlic
• 4 teaspoon apple cider vinegar
• 2 teaspoon fresh lemon juice
• 2 teaspoon sea salt
• 1/4 teaspoon granulated onion
• 1/4 teaspoon freshly ground black pepper
Preparation
1. Prepare the wings by cutting them into two pieces. They should cut easily at the joint. Pat them dry with paper towels.
2. Prepare the sauce: Melt the coconut oil over low heat in a sauce pan and add the remaining sauce ingredients, whisking well to combine. Keep the heat low and only as long as necessary to melt everything together. Taste for spiciness, and add cayenne to desired heat level.
3. Toss the wings with a quarter of the sauce and refrigerate for an hour.
4. Preheat the oven to 400°F. Spray a baking sheet with cooking spray. Arrange the wings on the pan so they are close but not touching.
5. Cook undisturbed for 45 minutes until golden brown, and until the wings release easily from the baking sheet. Using a pair of tongs, turn the pieces over and return to the oven to bake for an additional 20 to 30 minutes, until crisp.
6. When the wing are finished cooking, pour the Buffalo sauce into a shallow bowl (you’ll probably have to do this in batches) and add a few wings at a time. Turn them in the sauce until well-coated, then transfer to a platter. Repeat with the remaining wings.
7. Serve with celery sticks and non dairy ranch dressing, recipe follows.
Cashew Cream Ranch
Place cashews and 1 1/4 cups water in a medium bowl; let soak for 30 minutes. Transfer to a blender and puree on high speed until smooth and creamy. Add remaining ingredients and blend well. Chill for 30 minutes.
Jamie Geller is the Chief Media and Marketing Officer at Aish. She is also a bestselling cookbook author, celebrity chef, television producer, and businesswoman. She’s the author of eight cookbooks and the founder of Kosher Media Network.
KID’S ZONE KID’S ZONE
KID’S ZONE KID’S ZONE
Akiva
Malka
Noam
Miriam
Racheli
Yonah
Talya Zafrany
Mordy Eisemann
Ahuva Zafrany
Tova Brass
Chayala Eisemann
Gavriel Dickstein
Betzalel Waxman
Shaili Raab
KID’S ZONE KID’S ZONE
YOU KNOW THAT...
FACTS ABOUT THE GIVING OF THE TORAH! DID
1. Thunder and Lightning! – When Hashem gave the Torah on Har Sinai, there was thunder, lightning, and a loud shofar sound that grew stronger and stronger instead of fading away!
2. All the Mountains Wanted It – The Midrash says that all the mountains argued about where the Torah should be given. Some were tall and mighty, but Hashem chose Har Sinai, a small and humble mountain, to teach us that humility is the key to receiving Torah.
3. The Mountain Floated – According to the Talmud, Hashem lifted Har Sinai into the air and held it over Bnei Yisrael, showing them the importance of accepting the Torah.
4. Two Tablets, Super Heavy – The Luchos (Tablets) were carved from sapphire and were so heavy that Moshe could only carry them with Hashem’s help! When Bnei Yisrael sinned with the Golden Calf, the letters flew off, and Moshe was able to break them.
5. Every Person Heard It – The Ten Commandments were spoken by Hashem Himself, and every single Jew—even babies and the unborn—heard it!
6. One Voice, Many Sounds – The Midrash says that when Hashem spoke, every Jew heard it in their own way—children heard it softly, adults heard it strongly, and people from different nations understood it in 70 languages!
7. Everyone Was Healed – Before Matan Torah, people who were blind, deaf, or disabled were miraculously healed, so the entire nation could experience the Torah’s holiness.
8. No Bird or Animal Made a Sound –During Matan Torah, the whole world became completely silent—no birds chirped, no cows mooed, and even the angels stopped singing!
9. The Fire That Didn’t Burn – The Torah says Har Sinai was covered in fire, but it didn’t burn the mountain or anything around it!
10. We Will Do and Then We Will Understand – Bnei Yisrael said “Na’aseh v’nishma”—“We will do, and then we will understand,” showing their complete trust in Hashem and His Torah.
KID’S ZONE KID’S ZONE
KID’S ART CONTEST
CREATE A DRAWING OR A PIECE OF ART OF CHOLENT
First place: $30 gift card | Second place: $20 gift card | Third place: $10 gift card
Email your artwork to editor@tsfcommunityvoice.com
Make sure to include your name, age and city. Entries must be received by February 24.
This type of contest encourages creativity, education and community engagement. It allows kids to express themselves through art, and it also provides an opportunity for their work to be showcased in the magazine.
Sponsored by: SMASH HOUSE BURGERS smashhouseburgers.com (305) 351- 9545
UNSCRAMBLE THE FOLLOWING WORDS RELATED TO
MATAN TORAH
HISTORY’S HEROES
NEXT WEEK’S SUPPLY LIST -Foam Square -Stapler -Fabric -Paper -Pen -White Paper -Scissors -Masking Tape -Steel Pins -String
CONTEST
WIN A PRIZE!
Finish the weekly project, snap a pic, and email us at info@jcm.museum for a chance to win a prize. Let’s get creating!
2. THE NUGGET
Yocheved and her daughter Miriam, referred to as Shifra and Pua in the Torah, were the head midwives for the Jewish women in Mitzrayim. Pharaoh commanded them to kill every newborn baby boy. Despite the danger, Yocheved and Miriam disregarded his order. Instead, they actively kept the baby boys alive. When they saw a woman was about to have an unhealthy child, they Davened to Hashem: “You know we did not follow Pharaoh. We only want to fulfill Your will. May the baby be born healthy so that Bnei Yisroel won’t think we were trying to kill the babies.” Hashem listened and the babies were born healthy. In this merit, the Kohanim and Leviyim came from Yocheved (and the Davidic line of royalty came from Miriam).
4. FUN FACT
Yocheved was born as Yaakov and his family entered Mitzrayim, and lived long enough to experience Yetzias Mitzrayim. She and her cousin, Serach bas Asher, were the only people who both entered and exited Mitzrayim.
5. QUESTION TO CONSIDER
1. LIFE STORY SNIPPET
Yocheved, the daughter of Levi, married Amram, her nephew, and had three famous children who became great Neviim: Miriam, Aharon, and Moshe. At age 130, after having her first two children, she gave birth to Moshe, whom she saved from death by hiding him in the Nile River.
3. BRINGING IT DOWN
Just as Yocheved chose to listen only to Hashem, we can do the same. If someone tells us to act in a way that goes against the Torah we can disregard it. For example, if you are pressured into eating something that isn’t your standard of Kosher, you can stand strong and follow what Hashem wants.
How can you stay strong in your standards when it comes to Torah & Mitzvos?
Place one plastic plate on top of the maze template. Use a black sharpie to trace the maze onto the plate, then set it aside.
Cut the house and baby template pieces and trace onto the different colors of foam. Cut the pieces out.
On the inside of the second plastic plate, create a diamond design with the glue by drawing
backing to match.
Glue the house on the top plate at the end point of your maze. Let dry. Staple the two plates together, and you’re finished!
SCIENCE UNCOVERED
Sprinkle the different color sands on the glue until it is fully covered. Shake off the excess sand and let the glue dry.
Glue the baby to one side of one of the magnets.
Use the magnets to help the baby find a house to hide in!
Magnets are surrounded by an invisible force called a magnetic field that can either push away or pull in. Every magnet has two ends, called the north pole and the south pole. Opposite poles – north and south – are pulled toward each other and stick together. The magnetic force is so strong that even if something thin is between two magnets, like a plate or sand, they still stick together!
SUPPLIES LIST
-Printed Baby and House Template
-Printed Maze Template
-2 Clear Plastic Plates
-Black Sharpie
-Glue
-Stapler
-Scissors
-Pen -Two Magnets
-Colored Sand (we used orange and yellow)
-4 Different Colors of Craft Foam Sheets (we used green, orange, brown and white)
How Real Estate Businesses Can Prepare for Tax Season
Real estate businesses face unique challenges and opportunities during tax season. Whether you’re managing rental properties, developing land, or engaging in commercial real estate ventures, proper preparation is essential to optimize your tax position and remain compliant. Here are key steps to ensure your real estate business is ready for tax season.
1. Organize Property-Related Documents
Real estate businesses deal with a wealth of documentation. Gather the following to streamline the tax preparation process:
- Lease agreements
- Mortgage and loan statements
- Property tax records
- Insurance policies
- Maintenance and repair receipts
- Utility bills and other operating expenses
Having these records organized will make it easier to calculate income, expenses, and deductions accurately.
2. Track Depreciation
Real estate properties can provide significant tax benefits through depreciation. Ensure you have accurate records of each property’s purchase price, improvement costs, and the depreciation schedule. Work with a CPA to confirm you’re claiming the maximum allowable depreciation.
3. Understand Passive Activity Rules
For many real estate professionals, income from rental properties may be considered passive. Familiarize yourself with passive activity loss rules, which can limit your ability to offset other types of income. If you qualify as a real estate professional under IRS rules, you may be able to deduct losses more freely.
Oren Dayan, CPA & Betsalel Touitou, CPA
4. Maximize Deductions
The real estate industry offers various deductions to reduce taxable income. Common deductions include:
- Mortgage interest
- Property management fees
- Marketing and advertising costs
- Travel expenses for property inspections
- Legal and professional services
Review all potential deductions to ensure you’re not leaving money on the table.
5. Address 1031 Exchanges
If you sold a property and reinvested the proceeds in a similar property, you may have conducted a 1031 exchange. This allows you to defer capital gains taxes, but proper documentation and adherence to IRS rules are crucial. Consult with a tax advisor to confirm compliance.
6. Stay Updated on Tax Code Changes
Tax laws affecting real estate can change frequently. For 2025, pay attention to updates regarding capital gains rates, bonus depreciation, and any state-specific regulations. Staying informed will help you avoid surprises and identify new opportunities.
7. Review Entity Structure
The way your real estate business is structured—as an LLC, partner-
ship, S-Corp, or other entity—can have significant tax implications. Consult with a CPA to determine if your current structure is the most tax-efficient option for your business goals.
8. Prepare for Estimated Tax Payments
If your real estate business generates significant income, you may be required to make quarterly estimated tax payments. Double-check that all payments for 2024 were submitted on time and plan for upcoming deadlines to avoid penalties.
9. Conduct a Tax Planning Session
Meeting with a tax professional before filing can uncover opportunities for savings and ensure compliance with complex regulations. A CPA familiar with real estate taxation can provide tailored advice, such as strategies for deferring income or accelerating deductions.
10. Protect Your Financial Data
Real estate businesses often deal with sensitive financial information. As tax season approaches, enhance cybersecurity measures to protect your data from fraud and ensure secure communication with your tax preparer.
FinalThoughts
Tax season can be a stressful time, but proactive preparation can make a significant difference. By organizing your records, understanding your deductions, and consulting with a knowledgeable CPA, you can reduce your tax liability and position your real estate business for success.
At Signature CPAs & Advisors, we specialize in helping real estate professionals navigate the complexities of tax season. Contact us for personalized guidance and expert support to maximize your financial potential.
Understanding Israel’s Purchase Tax System: What You Should Know
By Yitzchak Steinberg
Recent changes in Israel’s property purchase tax (Mas Rechisha) system have created significant distinctions between residents and non-residents, making it crucial for potential buyers to understand these implications before investing in Israeli real estate.
The Non-Resident Tax Rate
For non-residents or Israelis who already own an apartment, purchasing property in Israel, a flat 8% purchase tax applies, regardless of whether it’s their first or subsequent property. This rate applies to anyone who doesn’t qualify as an Israeli resident, even if they hold Israeli citizenship. It’s important to note that Israeli residency is determined by actual presence and center of life in Israel, not merely by holding an Israeli ID card (Teudat Zehut).
Benefits for Israeli Residents
In contrast, Israeli residents enjoy a significantly more favorable tax structure when purchasing their only property in Israel. The tax is calculated on a graduated scale, with rates starting much lower than the flat 8% charged to non-residents. This tiered system makes home ownership more accessible for those who make Israel their primary residence.
Special Considerations for New Immigrants (Olim)
As of August 2024, Israel has enhanced the benefits for new immigrants (Olim), making property purchase more attractive for those considering Aliyah. These benefits include:
- Access to the same graduated tax rates as other Israeli residents
- Additional tax benefits during their initial settlement period
- Recognition as residents for tax purposes upon making Aliyah
Understanding Residency Status
The key factor in determining tax rates is residency status, which is based on:
- Physical presence in Israel
- Location of primary family residence
- Active participation in Israeli society and economy
- Center of life test (meeting multiple criteria of connection to Israel)
Simply holding an Israeli passport or ID card does not automatically qualify one for resident tax rates. The Israeli tax authorities look at the substantive aspects of residency rather than formal documentation.
Financial Impact Example
Consider a property valued at 2 million NIS:
- Non-resident buyer: Would pay 160,000 NIS in purchase tax (8% flat rate)
- Israeli resident buying their only property: Would pay significantly less under the graduated system
- Olim: Can access the resident rates plus additional benefits
Strategic Considerations
If you are considering property investment in Israel, several strategies might be worth considering:
- Planning Aliyah before property purchase to qualify for resident rates
- Establishing genuine residency in Israel before making property investments
- Understanding the long-term implications of property ownership status
Conclusion
The substantial difference between resident and non-resident property purchase tax rates in Israel reflects the country’s policy of encouraging genuine residency and Aliyah. For Florida’s Jewish community, understanding these distinctions is crucial for making informed real estate investment decisions in Israel. Professional consultation with Israeli tax advisors is recommended for detailed guidance based on individual circumstances.
Yitzchak Steinberg is a legal expert specializing in representing foreign residents in Israeli real estate transactions. Over the years, he and his team have successfully guided thousands of international buyers through property acquisitions in Israel. His extensive experience spans clients from across the globe, making him a trusted advisor in navigating the complexities of Israeli real estate law for non-residents. office@ys-law.co.il +972-2-5002923 Watsapp: 972-53-277-5431+
The Hidden Cost of Ignoring Your Home Equity
By Shmuel Shayowitz
Home equity has become one of those financial topics that people either swear by or completely reject. The stigma is real. Some think that tapping into home equity is reckless, while others understand that, when used wisely, it can be one of the smartest financial moves you can make.
Let’s be clear - there are legitimate concerns. If someone isn’t financially responsible and takes out a home equity loan or HELOC just to fund an extravagant lifestyle they can’t afford, that’s a problem. Borrowing money for impulsive spending or unnecessary luxuries … that’s how people dig themselves into holes they can’t climb out of.
But here’s what gets overlooked: Home “equity,” on its own, does nothing for you in the short term. It’s just sitting there, locked away in your home until you decide to sellmaybe 15, 20, or 30 years down the road. Meanwhile, life happens. You have financial goals. You have opportunities. You have expenses. So, it boils down to people just being fearful of leveraging their home.
The wealthy certainly aren’t afraid of it. In fact, they depend on it. Elon Musk, Jeff Bezos, and countless other ultra-rich individuals rarely sell their biggest assets. Instead, they borrow against them. Why? Because they understand that leveraging existing assets is one of the best ways to build more wealth. If billionaires do it with their holdings, why should homeowners feel guilty about using home equity responsibly?
Yet, some financial “experts” act like home equity is taboo. They’ll warn you about the dangers of borrowing against your house as if it’s
some sort of financial sin. But let’s be real - what’s more dangerousUsing a home equity loan at a reasonable interest rate, or carrying a mountain of 29% credit card debt? It’s not even close.
Think about it. If you’re sitting on a home worth $750,000 with $350,000 in equity, that money isn’t doing anything for you today. It’s not earning interest. It’s not helping you improve your financial circumstances. It’s just sitting there, stuck in place. The home will appreciate the same way regardless of how much you owe on it. Meanwhile, you might have outstanding debt at high interest rates, business opportunities you can’t fund, or significant expenses that could be managed more efficiently.
Let’s say you take out a HELOC at 7.5% interest and invest that money into an asset that earns an average annual return of 10%. That 2.5% difference might not seem like much in the short term, but it adds up nicely over time. With compounding, a 10% return on an investment doubles your money in about 7.2 years. After 15 years, a $100,000 investment could grow to over $417,000 - even after paying 7.5% interest on the HELOC. That’s the power of leverage.
Does that mean you should drain your home of every last dollar? Of course not. Home equity is a tool, not a free-for-all spending spree. But when used strategically - or even for creating additional revenue streams - it can be a game-changer.
The key is understanding the difference between good debt and bad debt. Borrowing against your home to pay off credit card balanc-
es at nearly 30% interest? Smart move. Using a HELOC to renovate your kitchen in a way that increases property value – often makes sense. Taking out a loan to buy a flashy new car you don’t really need? That’s where people get into trouble.
At the end of the day, financial decisions should be based on strategy, not fear. The stigma around home equity borrowing has caused many people to overlook a powerful financial resource that could actually improve their situation. The reality is, your home is an asset - and like any asset, there are ways to use it wisely. Every financial situation is unique, and the right approach depends on your specific goals and circumstances. Feel free to reach out to discuss your situation.
Would you rather have your home mortgage-free or with a mortgage that’s paid off from rental properties you bought with that debt? Please let me know if you have a good “Would you rather” question, and we will highlight your submission.
Shmuel Shayowitz (NMLS#19871) is a respected Real Estate & Finance Executive, Writer, Speaker, Coach, and Advisor. As the President and Chief Lending Officer of Approved Funding, a leading national mortgage banker and direct lender, Shmuel has facilitated over $3 billion of mortgages over the past two decades. Shmuel’s expertise spans various licenses and certifications, including specialized mortgage underwriter, licensed real estate agent, and accredited coach. His market insights and experience are highly sought after in the real estate, finance, and coaching industries. In addition, Shmuel is a seasoned real estate investor and property manager, facilitating thousands of rentals nationwide. Shmuel can be reached at www. approvedfunding.com/shmuel.
An American FAQ About Property in IL What American buyers should know
Having worked in Israel’s real estate industry for 20 years, I’ve gotten myriad questions about the market here. Because the vast majority of our clients are Anglos, many of these questions relate to the differences between the real estate scene in both countries or to understanding how things work in Israel. Let’s dive into some of the most common questions.
Why don’t prices ever decrease in Israel?
Prices in Israel rarely decrease due to:
● Limited land for development
● Restricted supply of new housing permits
● Growing population due to births and aliyah
● Delayed construction due to supply and labor issues
During slumps, you might get better terms for unbuilt properties, but prices themselves don’t go down. Even during the past year, in which we had wars on our northern and southern borders and eruptions in Yehuda and the Shomron, prices rose 7.8%.
What’s the minimum amount of money I’ll need to buy something in Israel?
To buy property in Israel, you generally need at least $250,000. For this amount, you can invest in areas like Tzefat, Teveria, or Nahariya, all ideal for short-term rentals, as they attract tourists both from within the country and from outside. Cities like Bat Yam and Hadera are good investments for long-term capital growth. They’re located along the coast, they’re on the train line, and they’re near major employment centers.
What’s “buying on paper”?
This term refers to acquiring real estate that’s either in the planning stages or under construction, but not yet completed. The buyer gets a com-
By Shia Getter
pletely new property, usually saves money, and has more options for customization. Some people are wary of on-paper plans because of construction delays or “stories” with dishonest developers or lawyers. Of course, we always carefully vet the developers and lawyers we work with, so our clients do not need to worry about this. Delays, unfortunately, are out of our hands.
What’s “closing” in Israel?
In the States, “closing” means you finish buying your home and get the keys. In Israel, “closing” happens earlier, when you sign the contract and begin making payments. You get the keys only after making the final payments.
What are some unusual or different locales you see people interested in these days?
We’re seeing increasing numbers of Anglos looking into (and buying in) Karmei Gat, a neighborhood of Kiryat Gat. This is an exciting option because it’s outside the usual Jerusalem-Ramat Beit Shemesh belt that religious Anglos tend to stick to. Karmei Gat has beautiful newly constructed projects and a buyer can get a larger place than he would for the same money in Jerusalem or RBS. Karmei Gat is in a great location for those commuting to Beer Sheva or Tel Aviv, and there is a lot of local shopping. There’s also infrastructure for observant Jews.
The new, in-progress International Quarter, in the Lod area, is another riveting project. Located minutes from Tel Aviv, this beautiful, modern neighborhood is going to provide more affordable family housing in the center of the country. Of course, the neighborhood’s demographic remains to be seen, as it’s still not completed. But this is an excellent opportunity for investors.
When’s the best time to buy?
The best time to buy is always now. Why?
We started this Q&A off with a question about why prices never decrease. Seeing as that’s the case, it’s better to buy now than wait until they go up more!
We always advise our clients to buy something and establish a foothold. They can sell and buy something more appropriate later on but at least they’ve secured some property in the meantime.
How can I learn more about buying in Israel?
Navigating real estate transactions in Israel requires understanding the terminology, processes, and dynamics involved – and, of course, having trustworthy professionals to guide you.
The Israel Real Estate Expo, to be held February 16-17 in Surfside and Boca, is your opportunity to meet with top industry experts from Israel. Enjoy the artisanal culinary experience of Pizza Biza while you meet brokers, designers, architects, real estate lawyers, finance professionals, and property managers all under one roof. In addition to all these, many of my team will be there to address your questions about neighborhoods, new developments, investment hotspots and more. Our partners in this endeavor, the Brud Group, will be on hand to discuss property management, for those looking to invest or buy vacation homes. They are managing an extensive portfolio in Jerusalem, including many of the boutique properties in the prestigious Jerusalem Estates, and will be an asset to anyone interested in pursuing this avenue.
Join us! For free registration or more info, thegettergroup.com/expo or +1.732.806.0816.
THE GREAT CHOLENT COOK-OFF!
Think you make the best cholent in town? PROVE IT!
Bring your best cholent recipe and join the ultimate competition for a chance to win $5,000 for your shul!
A CHOLENT SHOWDOWN LIKE NO OTHER!
On March 6th, South Florida’s finest cholent chefs will go head-to-head in a competition that’s about more than just food—it’s about bringing the community together!
