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The Lighter Side – January 2022

The Specialist

Doctor: You really must stop smoking or I’ll have to refer you to a specialist.

Herb: Really? What kind of specialist?

Doctor: A mortician.

Jack V. Grazi

Quick Q&A

Q: What’s the difference between an old shoe and broccoli? 

A: Kids won’t put broccoli in their mouths.

Charles S. 

Mom’s the Word

A man calls his mother in Florida.

“Mom, how are you?”

“Not too good,” says the mother. “I’ve been very weak.” 

“Why are you so weak?” the son asks.

“Because I haven’t eaten in 3 days,” she answers.

“That’s terrible! Why haven’t you eaten in 3 days?”

The mother answers, “Because I didn’t want my mouth to be full of food if you should call.”

Claudia A.

On the Way to School

Teacher: Why are you late, Billy?

Billy: Because of the sign.

Teacher: What kind of excuse is that? What sign?

Billy: The one that says, “School Ahead, Go Slow.”

Rachel G.  

A Mouthful

When you don’t know what you’re talking about, it’s hard to know when you’re finished.

Jack V. Grazi

The $100 Wish

A little boy decided that he wanted $100. He prayed for two weeks, but nothing happened. He began to want the money so badly that he decided to write Gd a letter requesting the money. When the postal authorities received the letter addressed to: Gd, USA, they weren’t sure what to do with it. Finally, they decided to forward it to the White House.

The President was so touched and amused by the letter, that he decided to help the boy get started on saving up for his $100 goal. Thinking that it would appear to be a lot of money to a little boy, he instructed his secretary to take a five-dollar bill from his own money and send it to the boy.

When the little boy received a response to his letter, he was delighted. After opening it and finding the five-dollar bill, he sat down to write a thank you note which read:

Dear Gd, 

Thank you very much for sending the money. However, I noticed that for some reason you had to send it through Washington D.C. and as we would be expect, those crooks deducted $95.

Melanie W.

The New Arrival

A young couple informed their three-year old daughter that they were expecting the arrival of their second child – a baby boy, and thus would have to move to a bigger house. “That’s not going to help” the little girl said with a heavy sigh. “He’ll only follow us.”

Charlotte A. 

A Privacy How-To

Q: How does a woman make sure her husband will never read her diary? 

A: By writing on the cover in big letters “Instruction Manual.”

Vera L.

The Shopping List

A woman comes into a pharmacy with a shopping list and hands it to the pharmacist.

Pharmacist: Okay, it says here you need a tube of Crest toothpaste. Is that regular or tartar control?

Lady: Tartar control.

Pharmacist: Good. Next it says Children’s Tylenol. Do you want liquid or chewable?

Lady: Chewable please.

Pharmacist: No problem. Finally, it says you need a bottle of Pepto-Bismol. What size would that be?

Lady: Well what size would you suggest? I’m only having four guests over for dinner.

Jennifer E.

Watching the Neighbors

Tommy: Mom, I think the people who are living next door are really, really poor!

Mother: Now why do you say that, Tommy?

Tommy: Because you should have seen the fuss they made when their baby swallowed a dime.

Danny F.

Ambulatory Antics

An ambulance was sent to check on a 92-year-old man who had become dizzy. The medics decided to take him to the hospital for evaluation. On the way, with the siren going and lights flashing, they asked the man a few questions to see if he was aware.

Leaning close, one asked, “Sir, do you know what we’re doing right now?”

The old man slowly looked up at him, then gazed out the ambulance window. “Oh,” he replied, “I’d say about 50, maybe 55.”

Joey D. 

Dear Jido – January 2022

Dear Jido,

My husband has been in a very negative state of mind ever since the pandemic. He seems to always be complaining about something.  He hates working from home, misses the office and his closer colleagues, worries constantly about the children getting sick (they’re ages ten and eight), and is always tired. Nothing relieves his gloomy moods. Meanwhile, I’m a born optimist whose parents made the most of every possibility and encouraged my belief in my ability to succeed at whatever I gave a very good try. I have never experienced anything like this before and I don’t know what to do. I would appreciate any suggestions and advice.

Signed,

Concerned

Dear Concerned,

And well you should be. The prolonged Covid isolation has caused many serious, and not so serious, cases of depression, withdrawal, and anxiety for people of all ages in all social strata.  Know that you are not alone in your concern. 

While many companies have gone back to full or at least partial office attendance, many others have learned to adapt to a remote work force and the savings it offers. Unfortunately, this is often to the detriment of the workers. It has been shown that in extreme cases, “solitary confinement” is a more difficult assignment than hard labor. 

Fortunately, we have an organization – Sephardic Bikur Holim – that has been dealing with this and many other mental health issues for members of our community.

Uh oh, did I say – mental health?

Yes. And although no one likes to admit that they have “that” type of problem, it is best to confront it head on and resolve it before it becomes a permanent personality trait. 

Contact them. If your husband refuses the assistance, either out of embarrassment or denial, I strongly recommend that you get and follow their expert advice. 

No one knows what path this pandemic is going to take. But with your positive attitude, positive actions, and Hashem’s help, you and your husband can quickly get back to the old normal of work, home, and family. 

Jido

Small Sephardic Synagogue with a Big Heart Makes Its Mark in Jackson, NJ

DAVE GORDON

Nearly three years ago Rabbi Aharon Mizrahi called up Joel Berdah and proposed the founding of a new Sephardic minyan in Jackson – to be housed in Berdah’s basement on Shabbat.

Thus, was born the Sephardic Congregation of Jackson, located on Metedeconk Trail, adjacent to the Lakewood border.  

Humble Beginnings

Berdah, who was born in Paris and moved to Jackson from Lakewood, recalls, “I reluctantly accepted. I was already going with Ashkenazi for a while, and I was very used to it. I said, ‘You know what? Maybe it will be good.’” Initially there was a core group of seven interested men from the area, and a few guests were recruited.

With a table and eighteen chairs, and a little playroom for the children, everything came together. Locals were joined by a few men who lived a twenty-minute walk away. Encouraged by the successful start, the group decided to meet monthly. After two months, they began to meet every other week, and within a few months, weekly.

A Place That Feels Like Home 

 “I went for that first Shabbat and felt at home. I decided this was a good project,” Berdah recalled. “It’s important for the next generation to feel what it is to be in a Sephardic environment, that is community based, where everybody knows each other and has – more or less – the same background, and the same feelings.” 

Berdah loves bringing his six children to services. They love it. They absolutely love it. We’re constantly finding new ways to make projects, learning programs, reading along with the Torah, and getting young people involved,” he says. “My kids wouldn’t go anywhere else. It’s a warm, welcoming – yet serious – place.” The bulk of members are in their thirties, although both younger and older participants attend the services.

Berdah is passionate about the project. He is one of the key outreach people, and he helps newcomers to move into the area and to join the congregation. Berdah attributes economics as the reason for the rising influx of neighbors from Lakewood. People are looking in Jackson to find less expensive housing options.

“I see a lot of young families interested. I see a lot of involvement with the members. And I see that we are going to be a hub for the Jackson Sephardic community within the next 12 months to two years.” Another selling point for newcomers is the large kosher supermarket down the block from the shul, called NPGS Jackson, Berdah added. 

Mizrahi, a Jackson resident of three years, proudly noted that twenty families are already affiliated with the synagogue. As of 2022, they have a property to call “home,” a fully renovated house-shul, that seats forty. “It was such an unbelievable accomplishment with such a small crowd to put in the money and build this,” said Mizrahi. 

Events That Bond

Various events have been held in a short time, such as Sunday breakfasts, bar mitzvah learning programs, and Simhat Torah celebrations.

Two of the older members of the shul married their daughters off, and they made Melava Malka/Sheva Brachot for them both. “It was very nice, and some of the weekday people came as well. Even people who don’t come often came for that. It was really great. You can do it when it’s a small shul. It’s a homey feeling,” said Mizrahi. 

During the winter there is a motzei Shabbat learning program for the boys, “a big hit in the shul.” There are ten fathers learning with about 15-20 kids. Another recent development is the “night seder” evening learning sessions where other locals in the community have joined in.

Mizrahi noted that, although there are “at least forty other shuls” in the area, and one other Sephardic shul that follows the Moroccan tradition, the Sephardic Congregation of Jackson is the only Syrian shul in the vicinity.

Chazzan Dabbah Sings the Shul’s Praises

Rachamim Dabbah, the shul’s chazzan, is also a founding member. He and his family moved from Lakewood to Jackson five years ago.  He said he enjoys the neighborhood because it is quiet, and does not cost as much as surrounding areas. In terms of the shul, he especially noted how the youngsters have taken a liking to the atmosphere, and feel at home.

“I think, so far, for us and the kids, it is working out very well. All the kids enjoy coming. And mine, ages twelve, eleven and six, all love it so much. They feel very much a part of it. It’s a pleasant place to be.” 

“They really feel like it is their place. They look forward to coming every week. We have all kinds of programs for them.” 

Overall, the shul has made a deep impact on him, and others – from humble beginnings to rapid growth in short amount of time, it’s a true success story of bringing people together for a common cause, and celebrating our Jewish life.

“It’s a very friendly, open, accepting place,” Dabbah added.

“Even though we are of different stripes and colors, it’s all very tight knit. Everybody who is there is appreciated and welcomed, and they are happy to be there.” 

The Sephardic Congregation of Jackson

To learn more about the Sephardic Congregation of Jackson, please contact one of the following members: 

Rabbi Aharon Mizrachi – 732-779-9041

Joel Berdah – 732-664-2539

Rachamim Dabbah – 732-740-8304 / 732-284-8757  

Business Insights – Your Website & What It Could Do for You

Samuel Hadriye

Here is the best way to think of your website – it is the same as retail packaging for your product or service. How you design it, how you box it, and how you present it, all matter. Whether your website is chic, modern, or classic, it is one of the best and fastest ways to represent your brand culture to potential customers. It tells them who you are, what you are all about, and why they should choose you over the competition.

Key In to Your Target Customers

There are obvious reasons for setting up a website, such as the benefits derived from selling directly to your end consumer. There is an additional benefit to having your own website. It helps you to better understand your target customer.

Your target customer is the person that you need to learn about. They are purchasing your product or service and you need to learn as much about them as you can. You can monitor their buying habits such as – when they buy, what they buy, and what they keep coming back for. You can study their demographics and see where they click on your website and even how long they spend on each page. This will help you understand what they like and what they don’t. 

Unfortunately, this information is something that most businesses ignore, don’t know enough about, or even make use of. That is where offering customer support provides a great benefit for your customers, and for you. 

Customer Support Can Lead to Broader Sales

Customer support interactions give you the ability to connect with your customers and understand what they are thinking, wanting, and needing. Knowing these things can even help you formulate ideas for your next product(s).

This leads to another great selling benefit – the Upsell. Selling items from different categories, that a customer might not initially be looking for, but decides that they need. For example, if your website sells shoes, you may want to offer them socks, or a shoe cleaner.

Website Building Options

There are many website-building options available, depending on what your goal is. If you only want a website to showcase your brand, some of the cheapest and quickest platforms out there are, Wix, SquareSpace, or Weebly. They come with cookie-cutter pre-built designs and make it very simple to get set up with no coding required. They have starting plans that are free but can go all the way up to $500/month, depending on what you need. They do offer E-commerce add-ons to allow you to sell on their platforms, but they are not the most effective in the E-commerce space.

Currently, the most popular website platform for E-commerce is Shopify. They have pre-made templates to get you started, but they lack luster and usually need some development work. Shopify built out a platform to help with this called experts.shopify.com that connects you to Shopify developers. These developers are adept at Shopify’s programming language “Liquid” and can help you with the changes you seek. Just be aware, that a Shopify platform can start out cheap and can quickly get very expensive.

The Right Graphic Designer

However, many people assume that developers know how to design. Website design is completely different than what a developer does. Developers are trained in coding and know how to execute commands. Whereas website design requires eye-catching images, colors, and fonts to give you the flow and the aesthetics that you are looking for. Think about this – if you were building a new home from the ground up, you would first discuss with an architect and an interior designer what your needs are for functionality and how you want your house to look. You would not leave that up to your contractor to decide.

So, for a successful website it is important to choose the right graphic designer. Their artistic tastes and ideas should be in line with your business goals. On top of that bringing in a marketing professional to work with your graphic designer will give you a beautiful-looking website, and make sure the site is clear and cohesive, so the customer is able to easily navigate your site and make their purchase. 

Set Goals and Timelines

Most website development companies might not have all these professionals on staff, so make sure to ask the right questions upfront before signing a contract with them. Set goals and timelines for them to stick to, or else you can find yourself stuck and will have to accept what they offer in the end. Setting timelines will allow you to catch these issues early in the process.

@HungryMom’s Food Diary – Buffalo Chicken Lettuce Wraps

By Susan Zayat

This is a fun way to change up the basic Asian type chicken lettuce wraps!

  • Ground chicken
  • Tomato sauce
  • Brown sugar
  • Vinegar
  • Frank’s hot sauce

Brown 2.5 lbs. chop meat until cooked through. Add in two 15-ounce cans of tomato sauce, 4 tbsp brown sugar, and 1.5 tsp white vinegar. Cook for around 20 minutes on medium heat, mixing every few minutes. I usually serve it to my kids at this point. When I’m reheating it to serve to my husband I add in around 2 tbsp of Frank’s hot sauce. It takes these tacos to the next level. (Add more or less depending on taste.)

Assembly:

I like to use Butter lettuce. The soft smaller leaves make it easier to eat and serve.

Lay some guacamole on the lettuce, a spoonful of the buffalo chicken mixture, some Cole slaw, more guacamole, and you can finish off with a drizzle of hot sauce. You can have fun with the toppings and also add jalapenos, pickled onions, parve sour cream etc.

This chicken mixture can also be served over rice, in a taco, or sloppy joe. Either which way it is always a hit!

Recipe by Susan Zayat. For more recipes and ideas follow @Hungrymom on Instagram. Check out her amazing homemade spelt sourdough for sale.

Photo styled and photographed by Sarah Husney. Sarah Husney is a food photographer servicing NY & NJ. She has clients from the food businesses in the community upgrading their photos for Instagram and websites. She also takes photos for restaurants on UberEats, and is featured on Kosher.com for styling and photography. Contact info:  917 626 2991 / @sarahhusney_foodphoto.

The Case – Moving Out of State?

Deborah is an experienced general studies teacher working in a local New York school. She and her husband planned to move out of state immediately after winter intersession. Deborah notified the school of her post-intersession plans and resigned from her position. With nearly two months’ notice, the school interviewed many teachers to fill her post for the second half of the year and narrowed down the potential candidates for the job to one teacher. Sometime thereafter, before the winter intersession, Deborah and her husband had a sudden change of plans and notified the school that she intended to stay longer at her job. The school board rejected her notification, explaining that it was too late to reverse her resignation. Deborah responded that her resignation went into effect only after intersession and prior to that date she still has the right to choose to continue her employment. The board further claimed that they finally found a qualified teacher to fill the post and they were unwilling to jeopardize the new teacher’s hiring. They added that Deborah is actively pursuing to move out of state and the school is likely to be stranded without a qualified teacher for their students. Deborah responded that she is willing to give notification two months before leaving, just as she did in the past, and that is sufficient time to find another teacher. 

Is the school required to further employ Deborah after intersession? Is the school allowed to release her as planned? How should the Bet Din rule and why?

Torah Law

According to the ruling of the Shulhan Aruch an employee is entitled to quit his job midway. In the event an employee exercises this basic right, his employer is required to prorate the time the employee worked and compensate him with his wages accordingly. Compelling a worker to continue for the duration of his job is viewed by Torah law as a form of slavery. Hence, not only does the worker maintain the right to leave his job, but he is also entitled for his wages for the time he was employed. The employer is required to pay the prorated wages for half the job, even if due to rising inflation the cost of the balance of labor suddenly increases.

The above ruling is applicable to nearly all employer-employee relationships. Nevertheless, if from the onset of employment, the worker understood that quitting his job midway will subsequently cause irreparable damage to his employer, the above ruling differs. In such instances the prorated wages owed to the employee can be withheld by the employer in order to mitigate the damages sustained. In short, quitting midway after assuming responsibility to complete a job is unlawful. 

By rule of the Shulhan Aruch, a classroom teacher and even a housekeeper that quits without a qualified replacement is halachically viewed as doing an act of irreparable damage. Upon a teacher quitting midway, an entire classroom of children is in jeopardy of not having a qualified teacher. A housekeeper that walks off a job midway creates a situation of distress as some of the daily chores of the household simply cannot be done by the homeowner.

In the event a teacher chose to abandon her class midway without sufficient reason, the school is by no means required to rehire her. A teacher that willingly jeopardized her students and abandoned her responsibilities to the board of directors is seemingly not the proper candidate for such a job. This is especially true if she further suggests that if rehired, she is considering quitting again during the school year.

If, however, a qualified substitute teacher can readily replace the current one, obviously, the teacher is not in violation when leaving midway. However, not every teacher with credentials is viewed as a viable replacement. Many variables are considered before hiring a teacher, especially if the class is known to have disciplinary issues.

Leading halachic authorities rule that an employer has no legal obligation to a worker that formally resigns from his job. Once the resignation is submitted, either verbally or in writing, the employer is released and is not required by law to reassess the status of his former worker. Additionally, in the event the original employee is aware that someone was already interviewed and assigned as his replacement, it stands to reason that no further confirmation is required, and his employment is officially terminated.  

VERDICT: For the Sake of the Children

Our Bet Din ruled in favor of the board of directors and instructed them that they were not required to give Deborah back her job. Deborah submitted her resignation in the middle of the school year thereby causing the school to scramble to find a qualified replacement. The reason for her quitting midway did not halachically justify her actions. By Torah law, abandoning students prior to securing them with a qualified substitute is viewed as irresponsible and damaging. Her year contract with the school did not include an opt out or a provision allowing her to give two months’ notification before leaving. Furthermore, Deborah is requesting to return to her job with an option to leave with two months’ notice. The school is not required to risk the recent secure hiring of the new teacher to accommodate Deborah’s schedule. 

Additionally, Deborah officially quit her job. By law, once she submitted her resignation, the school is not required to reassess her employment status. Deborah further confirmed her resignation by consenting to the interviewing and hiring of her replacement.

YOU BE THE JUDGE

A Mother’s Jewelry

Upon the passing of their dear parents, Joan, Albert, and Eddie proceeded to divide their parents’ estate as per the Last Will and Testament left by their father. Each of the two sons inherited forty percent of the estate while Joan, the only daughter, was bequeathed twenty percent. Joan, who had access to the safe in her late parents’ home, opened it and removed her mother’s valuable jewelry. When Albert and Eddie discovered the missing jewelry, they immediately demanded of her to return what she had taken. Joan defended her position explaining that it is customary and a well-known fact that jewelry of a mother belongs to her daughter. Joan further clarified that her mother passed on suddenly, and that her father was ill at the time of her mother’s passing. She continued to explain that if her mother was still alive, or had her father not been ill, they would have most definitely gifted her with the jewelry. As such, she is unwilling to allow her much younger sisters-in law to take possession of the jewelry. Joan’s brothers were not interested in their sister’s plea and demanded that she return what she stole. Without any legal records proving the existence of the jewelry they threatened as a last resort to call the police. The family ultimately brought their dispute to our Bet Din to resolve.  

Is Joan entitled to her mother’s jewelry? Are the brothers entitled to a percentage of the jewelry? How should the Bet Din rule and why?

Treating Allergies – The Natural Way – A Conversation With The Nut Job Mom

Frieda Schweky

The Nut Job Mom, Paulette Cohen, has been studying allergies for several years. When she learned that her daughter had food allergies, she decided to educate herself on the topic to keep her daughter safe. She has since become an advocate for the cause and the go-to person in the community for anything from snack suggestions, to school advocacy, to travel advice, all things allergy friendly. We’ve done several articles together in past years, and I’m excited to share with you her new approach to caring for individuals who live with allergies. Here is what the Nut Job Mom has to say:

The last two years have changed many of us. Covid has turned our lives upside down. It’s changed the way people are living their day-to-day life. I, too, have changed; my medical perspective and approach are drastically different than ever before. I find myself using a more natural approach to medical issues and trying to exhaust all options before turning to medication. Of course, I believe in medicine, but what I have noticed is that there are natural ways to treat and even prevent issues such as allergies, asthma, and skin conditions.

The Allergy-Friendly Diet

For allergy sufferers, the first thing I recommend is making sure you keep a low histamine diet. Examples of foods low in histamine are fresh meats and fish, non-citrus fruits, eggs, sweet potatoes, broccoli and grains, to name a few. The things you want to stay away from, or limit, are alcohol, dairy products, dried fruits, smoked meats, and processed foods. A common cause of histamine intolerance can be a shortage of DAO (Diamine Oxidase) enzyme. If your body has a shortage of DAO enzyme, this can cause histamine buildup in the body. Talk to your doctor about incorporating Zinc, Vitamin B6, and Vitamin C into your diet to increase DAO enzymes, which can help relieve symptoms of histamine intolerance. 

Additionally, Vitamin C acts as a natural antihistamine by reducing the amount of histamine your body produces in response to an allergen. It might help reduce mild symptoms like congestion, runny nose, sneezing and watery eyes. Probiotics can help balance your good bacteria and produce a stronger immune response to common allergens. Ginger is a natural antihistamine, antiviral, and immune booster. Apple cider vinegar can help break down mucus in the body and in nasal passages. Nasal rinses can help remove and thin out excessive mucus, and remove allergens from the nostrils and sinuses.

A Long-Term Solution?

Allergies can bring on asthma. They often occur together. For some, allergies to food and other things can cause asthma symptoms, a phenomenon known as allergy-induced asthma. This happens when the reaction affects the lungs and airways. 

This is why allergy shots can be especially helpful. They can decrease the dependency on oral allergy medication and provide a long-term solution by treating the underlying cause of allergies, not just the symptoms. And, allergy shots can treat multiple allergies at once. Bear in mind, however, that this requires a commitment to take the shots regularly over an extended period of time. 

I advise always keeping your skin hydrated and being careful about what products you use. The skin is the largest organ of the body. Natural products like manuka honey can help combat itchy dry skin. I recommend the brand Eczema Honey Co. Using a humidifier can help with congestion, asthma, and dry, chapped skin. Make sure you’re drinking enough water daily. Use natural laundry detergents with no added dyes or fragrances, and body wash products that are as natural as possible. You can visit my Amazon store to find these products as well as allergy-friendly foods.

We will leave you with the Nut Job Mom’s concluding remarks:

“I want to stress again that I am a firm believer in medication when necessary. But, there are so many natural remedies that I have personally seen help people, sometimes the same, if not more. If there’s anything I hope you take away from this article it is that now more than ever, we need to care for our bodies and focus on boosting our immune systems.”

Paulette’s Immune-Boosting Tea Recipe

In a 6-qt pot, boil water and add the following ingredients:

  • 2 tablespoons of raw organic honey
  • One tablespoon of organic cinnamon
  • One tablespoon of organic turmeric 
  • One tablespoon of fresh ginger or organic ground ginger
  • Two teaspoons of apple cider vinegar 
  • Two fresh lemons

Let it all meld together and put in mason jars. 

Skin Tips

Part of what I do is dig deep into a client’s past medical history and put all the puzzle pieces together to find the root of the problem. I don’t believe in putting band-aids on a situation. We work together to get to the root cause of the skin issue. For example, hormonal fluctuations can play a role in affecting eczema conditions. Of course, stress is also a factor. Stress can cause a variety of symptoms, including eczema symptoms. Be mindful of your stress levels – which is easier said than done, but it’s important as part of your self-care. Sometimes, the cause of eczema is a reaction to a specific food you’re eating. Common trigger foods are eggs, dairy products, gluten and soy. I help my clients slowly remove trigger foods from their diet and keep track of their progress. 

Homemade All-Natural Eczema Cream

Recipe by beautymunsta

Ingredients: 

  • ¼ cup coconut oil 
  • ½ cup shea butter 
  • 2 tsp manuka honey
  • 10 drops lavender essential oil 
  • 1 vitamin E capsule 
  • Double boiler 
  • Hand mixer 
  • Storage jar

Directions: 

  1. Gently melt down the coconut oil and shea butter in a double boiler. This will make both ingredients easy to work with, as they are solid in their natural state.
  2. Once you’re done melting them, let the mixture cool down a bit, then stir in the manuka honey.
  3. Carefully prick a vitamin E capsule with a safety pin, then squeeze out the oil into the mixture.
  4. Place the mixture in the refrigerator for 15 minutes. This will make it partially solidify which facilitates easy whipping of the mixture into a lotion.
  5. Once the time is up, get it out and start whipping with a hand mixer until it turns white and creamy.
  6. Add lavender essential oil and whip again until everything is well incorporated.
  7. Your DIY manuka honey lotion is ready! Scoop it up into sterilized glass jars and store in a cool dry place. It can last more than six months without going bad, provided you keep it away from water/dirt/other contaminants.
  8. To use, take a suitable amount with clean fingers and rub it onto the affected area. Make sure the region where you’re going to be applying the lotion is clean. You can also apply it on wet skin to seal in moisture.

Smells and Real Estate

What do smells and real estate have to do with each other? It might sound funny, but they actually do go together when selling a home. Smells can make memories. Think: Grandma’s fresh bread coming out of the oven, or Mom’s freshly baked chocolate chip cookies after school. 

Smells have the ability to turn people on (loving the house because of the great smell), or off (can’t breathe from the terrible smell and running out as soon as you can!). Every home has a smell, whether it’s a cooking smell or something else. Sometimes when the smell is too strong one way or another, it can turn buyers off or it can make buyers remember your home. I recently spoke to a seller who sold her home a while back. She met one of the buyers that saw her home. The buyer told her she remembered the house being very organized but what stood out the most was she remembered the house had such a good smell of cooking chicken soup. People say to bake a pie or cookies or to light a scented candle before an open house. But we know it’s not always practical or realistic. We always tell sellers, especially when they don’t live in the house or are away for an extended period of time, that not only should it look presentable, but it should smell good. Your house should not only look it’s best, but it should also smell fresh and clean.

Mortgage Myths

Here are five myths you may have heard about mortgages.

You need to save 20 percent of a home’s listing price for a down payment. In reality, this percentage will vary. Work with your lender to find out a more accurate estimate.

You don’t need to get pre-approved until the sale is approved. Big NO! Get pre-approved as soon as you start looking for homes to streamline the process and to demonstrate you’re an eager buyer.

You can’t pay off your mortgage early. Though some loans include a prepayment penalty (whereby you would pay a fee to pay off your mortgage early) this is seen much less commonly now.

You must have perfect credit. There’s no doubt credit plays a significant role in qualifying for a mortgage but there are still options for people with low credit scores

Having debt ruins your chances of getting a mortgage loan. Like credit scores, your debt-to-income ratio is important, but definitely is not the only factor.

Recognize Your Blessings

Appreciating Hashem’s kindness brings us more blessing. Rav Avigdor Miller, zt”l,  would stress that we must appreciate not only the big things in life, but also the simple, everyday conveniences that we enjoy.

I was driving home on a cold winter night at about 10pm, and I noticed a store that was still open and crowded with people. As I came closer I realized it was a laundromat. The place was packed with people waiting as their laundry was wash and dried. I thought to myself how fortunate I am that I have a washer and dryer at home, so that I don’t have to go out into the cold shlepping heavy bags of laundry. We have so much blessing in our lives that we at times fail to recognize. A person feels a chill in the air, he presses a button on the thermostat, and within minutes he’s comfortable. There are so many of us who are dissatisfied with their living conditions, wishing they had a larger home, without appreciating how good their home is. Sometimes as I drive through other neighborhoods I notice the very small apartments often situated on top of the stores. I am filled with gratitude that I do not have such accommodations. 

Truly great people consistently say “thank you.” In the Amidah, many of us pray at great length when asking for health, livelihood, success, and our other needs. But one section that is often shortchanged is Modim, toward the end of the Amidah, in which we thank Hashem for all we have been given.

A student approached his Rabbi and asked why it is that the Rabbi’s Amidah recitation is always so much longer than his. 

“I make a point of praying slowly and with concentration,” the student said, “but every time, I finish well before you. Why does your Amidah prayer take so long?” 

“Simple,” the Rabbi answered. “Before I begin Modim, I first think about the blessings in my life. I think about each and every one of my children and grandchildren, my house, my parnassah, my Torah learning, and so on. I think to myself, Hashem, You have given me so much! Only after I finish thinking of all this do I proceed to bow and recite Modim.” 

Reciting the Modim prayer is of paramount importance. The Daat Zekeinim writes (Devarim 10:12)  that if one recites Modim properly, his recitation is considered equivalent to reciting one hundred berachot, as the numerical value of the word modim is 100.

A convention was once held in a certain hotel in Europe, with many prominent Rabbis in attendance. One of the participants was outside one of the hotel rooms at night and heard a guest talking to Hashem: “Hashem, thank You so much for my health. Hashem, thank You so much for my wife. Hashem, thank You for enabling me to pay my bills. Hashem, thank You for giving me intelligence.” This guest went on and on, listing all his blessings in life for which he was grateful. The next morning, this participant went to the front desk to ask who had stayed in Room 108 the previous night. It turned out that this was the room of the Chafetz Chaim. Before going to sleep each night, the Chafetz Chaim would express his gratitude to Hashem for all his blessings.

Appreciation is the key to happiness in life. When we appreciate all we have, we will be able to serve Hashem with joy, and thus allow Him to shower us with even greater blessings.

The Rochelle Gemal A’H Educational Center Helps Community Kids Thrive

Mozelle Forman

Morris, a lively, energetic little boy at Hillel Yeshiva, suddenly lost his carefree spirit. He found himself, again, falling behind in school, despite years of costly occupational therapy, physical therapy, speech therapy, and private tutoring for his secular studies. The school’s principal has always been Morris’s parents’ partner, helping Morris to reach academic success. Now the principal has told the parents that the school’s resource room cannot offer Morris enough help for him to succeed in limudei kodesh, Hebrew studies. The principal suggested that his parents hire a private tutor to help him to keep up in class. His parents, stretched to their financial limit, are distraught. Moshe’s inability to keep up with the pace in class causes him so much anxiety that he cries at the sight of his Hebrew homework sheets, has become shy and embarrassed, and is refusing to go to school. His mom says, “My heart was breaking watching him be so sad and down on himself. As parents we want to do everything for our children, but things are not free.”  Most tutors receive as much as $100 an hour, which can be an extraordinary financial burden for a family already paying yeshiva tuition. 

The Gemal Family Provides Solutions for Kids’ Needs

The school resource room is often the first stop for students who are struggling. The Rochelle Gemal, A’H Educational Center, a resource room at Yeshivat Keter Torah, was initiated by Mr. Mitchell Gemal and his family to honor Mrs. Gemal’s life-long dedication to helping students succeed.  Through its trained professionals, who utilize individualized and small-group instruction, targeted assessments, multi-sensory learning, and strong teacher-student relationships to address the specific goals of the individual student, the Educational Center is helping students attain the foundational skills necessary for academic success. Yet, despite the professionalism and dedication to the students, many students, like Morris, require more individualized support than a classroom or a resource room can provide. However, with the rising cost of yeshiva education, many parents are unable to afford private tutoring as well. Recognizing this need, the Gemal family has embarked on a second initiative and created the Rochelle Gemal A”H Educational Fund that addresses the financial burden borne by the families of students requiring supplemental support or tutoring, outside the resource room. 

“Special education needs special attention, and no child should be denied the opportunity for success because of lack of funds,” Mr. Gemal explains. He says that Rochelle, A’H, believed this and set a personal example of selfless devotion to help struggling students and their parents. 

“When Rochelle identified a student who was falling behind in class and was in danger of being left back a grade, she would offer to tutor them in our home. Many times, knowing the family could not afford to pay, she would not charge them for her services. Her main concern was making sure the child succeeded,” Mr. Gemal said. 

A Win-Win for All

“The model that the RG Educational Fund has created is simple but ingenious – tutoring services for children whose family cannot afford the fees, provided by teachers or tutors who need supplemental income. Students are referred by principals who are aware of both the student’s academic challenge and the family’s financial status. RG Educational Fund’s team of educators pair students with tutors who can address their personal challenge and coordinates communication between the child’s principal, schoolteachers, parents, and tutor to ensure a seamless partnership in the student’s success,” Mr. Gemal described. 

Not only is the model ingenious, the success stories are also inspiring.  According to Morris’s mom, after a program of once a week tutoring during the summer months, Morris is thriving.  “It’s like I have a new child. Where he used to be shy and embarrassed to read, afraid he would make mistakes, he is grabbing his siddur and saying birkat hamazon out loud. The tutor assigned to him was warm and friendly and really helped him to learn to love reading. And it’s not just reading, it’s connected to his spirituality and religiosity.”

Rabbi Aharon Yannai, menahel at Yeshivat Keter Torah, believes that the tutoring provided by the RG Educational fund has tremendous benefit not only for the student receiving the service but for the entire class as well. “When any child is struggling to keep up with the material being taught, every child in the class is affected, as the teacher has to adjust the pace and style to meet his needs. When that child receives the extra support that he previously did not, he is better able to keep up and the teacher can teach at a level that caters to the academic midline.”  

Rabbi Norman Cohen, an integral part of the program, believes that this program is more vital now than ever before. “The Covid pandemic and school closures really hurt a lot of our children. Students, especially in the younger grades, who would otherwise have been successful, missed learning the vital foundational skills necessary for reading and now need the added support of tutoring.”  In addition, remote learning by Zoom, instead of in person learning, did not facilitate the important, personalized interaction that develops between teachers and students in the classroom. The RG Educational Fund tutoring program gives students that extra dose of mentorship, the tutor develops a relationship with the student, and they are motivated to succeed. 

RG Educational Fund Partners with Community Donors

The RG Educational Fund currently subsidizes the cost of tutoring for students in all the Jewish schools in the Deal area with the generous help of donations from community members. Every dollar donated goes straight to offset the cost of a student’s supplemental education. “Our gemach [charitable fund], will not only give the parents who cannot afford the cost of tutoring the ability to provide their children with the much-needed support, but also address the parnasah needs of the families of teachers,” Mr. Gemal explains. “We help the child, his parents, and families that can use a few extra dollars to cover their expenses.”  It is truly a win-win-win!

For more information about utilizing the services of the RG Educational Fund or to sponsor a session for a student please call Rabbi Norman Cohen 908-917-3901, or Mitchell Gemal 732-829-0794. 

To Donate via the RG Fund Website using a Credit Card, Please scan the QR code