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Dear Jido – March 2021

Person A, who used to be my supervisor, was recently replaced by Person B, who had other, needed skills. Now Person A is doing exactly what I do, only at his old salary – which, because of his former status, is higher than mine. Person A is also a male; I am female.

Do I have a right to ask for a salary adjustment? Or are higher salaries grandfathered in, despite a change in the landscape such as what I’ve described?

If the owner of my company doesn’t respond to a question about this – I’ve sent the question two times – do I have any other options? What do you suggest?

Signed,

Overlooked

 

Dear Overlooked,

As always, there are a few options. You can take the legal approach and claim – prejudice. However, this does not appear to be a case of discrimination since your coworker was actually demoted and not promoted. In any event I would never recommend that you approach the owners from a standpoint of Labor Law – it only gets their guard up and can never benefit you in the long run. Rather, a more moderate approach might be to look at it from their perspective. In a boss’s mind every position has a salary range in which they are willing to pay a person to perform. In my younger days, I had someone working for me that didn’t get a raise in six years because she was at the “top of her range.” (She got bonuses but not salary increases.) Obviously, if he is making more than you and is doing the same work, then in their minds there is a range of how much they are willing to pay to get the job done. (Otherwise, they would have fired him.) He may have other skills you may not have that justifies the higher salary, but bottom line, they are getting the same day to day output from him that you are providing. So there is room to negotiate. Definitely do NOT mention the word discrimination and do NOT stress that he is male you are female – only that you are doing the same work and would like them to consider giving you a higher salary because they obviously recognize that it is worth more than what they are currently paying you.

 

Don’t send an email. Tell your boss – Mr. So and So, I would like to discuss something with you. Do you have a minute? You are not overstepping your bounds and you are definitely NOT out of range.

Hatzlacha,

Jido

The Importance of Tzitzit

Last month, the ninth grade boys of Magen David Yeshivah High School learned about the most important mitzvah of tzitzit. Rabbi Elinatan Bitton asked one of the students, Joseph Beyda, if his father could send the boys some pairs of his awesome 2xist cotton V-neck tzitzit. The very next day Joseph came in with plenty of tzitzit for the boys in the class. They were all so eager and excited to put them on and commit to wearing them daily!

Rabbi Bitton and his class were so appreciative and thanked Mr. and Mrs. Ralph and Jodi Beyda for their generous mitzvah gift. Of course, they thanked Joseph Beyda as well for bringing them to class!

Historic Release of Dirshu “Sefer Hamafteiach” a Groundbreaking Index on the Entire Mishnah Berurah

Rabbi Malkiel Kotler reviewing the new Sefer Hamafteiach on the Dirshu edition of the Mishnah Berurah.

The word “historic” is a word that is overused in our times, but in this case, the word historic is truly applicable and is possibly even an understatement. Dirshu’s new Sefer Hamafteiach on the Mishnah Berurah is a historic breakthrough in the world of halacha and will open the Mishnah Berurah to Klal Yisrael in an unprecedented way.

As its name implies, the Sefer Hamafteiach on the Mishnah Berurah is a comprehensive index on the entire six volumes of the Mishnah Berurah, Mahaduras Dirshu. The 700-page sefer contains more than 6,000 categories and exceeds 30,000 subcategories!

When a person needs to find where a certain topic is discussed by the Mishnah Berurah or subsequent poskim brought in the Biurim u’Musafim portion of the Mahaduras Dirshu Mishnah Berurah, all one has to do is open the Sefer Hamafteiach and look for the topic. Topics are listed

in alphabetical order and every topic delineates each time the Mishnah Berurah addresses the topic or cross-references it in all six volumes of the Mishnah Berurah.

The prominent Sephardic posek from Eretz Yisrael, HaGaon Harav Messoud Ben Shimon, shlita, put it most succinctly when he remarked, “As new mutations and plagues are spreading, you’re spreading the Mishnah Berurah! You have no idea how much joy this Sefer Hamafteiach brings me, because it opens up the Mishnah Berurah, a sefer that is the aleph bet for each Jew!”

Indeed, now that the Sefer Hamafteiach is available in seforim stores everywhere, anyone who will pick up the remarkable Sefer Hamafteiach and begins to enjoy the tremendous benefit that it provides will echo the words of HaGaon HaRav Avrohom Ausband, shlita, who could not contain his amazement upon seeing the sefer, “What a to’eles! What a zikui harrabim!”

New Kol Yaakob Hebrew/English Siddur by Sephardic Heritage Foundation

The Kol Yaakob siddur’s clarity, ease of usage, and adherence to our sacred minhagim are just a few reasons why it is one of the most popular siddurs used by Syrian communities worldwide. The Sephardic Heritage Foundation is proud to have had the honor of publishing the Kol Yaakob siddur continuously for the past five decades.

Sephardic Heritage Foundation is proud to announce the publication of a new Hebrew/English version of the Kol Yaakob Siddur. In collaboration with Koren Jerusalem Publishers, they are presenting this beautiful publication to the community. Koren is well known to be one of the leading Judaica publishers in the world, developing top of the line and easy to use publications. Sephardic Heritage Foundation has worked together with Koren on the siddur which highlights the traditional Kol Yaakob nosah with English translation and commentary by Rabbi Jonathan Sacks, a”h.

The new siddur is now available in all community bookstores. The retail price is $34.99. For large quantity sales to synagogues, please contact scohen@sephardicheritage.com.

The Case – Through the Roof

David, a professional roofer, hired workers to assist him with the repair of a roof in the local neighborhood. The workers, who were close friends of David, abandoned the job midway through the work causing substantial damage. As a result of the damage, David was required to remove the partial roof already worked on, in order to start again with a different set of workers. In Bet Din, David demanded that the workers pay him for his loss on account of their deliberate decision to abandon the work site. The workers responded that they were not roofers by trade and that they merely volunteered to help David with his job. They claimed that they only volunteered to help him since he was very shorthanded on account of COVID-19. They added that they were never officially hired to do the job, as no specific wages were ever discussed. They explained that after two hours of work in the freezing outdoors they expressed to David that they realized that were in for more than they had signed up for. David responded that he had every intent to pay them in full for their services. Furthermore, David persisted that once they agreed to assist, they were responsible to complete the job.

Is David entitled to collect damages from the defendants? How should the Bet Din rule and why?

Torah Law

According to the ruling of the Shulhan Aruch an employee who quits his job is not required to pay his employer for structural damages and the like caused by the terminating of his employment. Although it is incumbent on an employee to service his employer in good faith, he is nevertheless exempt from liability even for foreseeable damage caused by his choice to terminate employment midway. While various halachic opinions differ with the above ruling, litigants of Sephardic origin are bound to the ruling of the Shulhan Aruch.

When an employee causes damage by abandoning his job midway he is not entitled to collect the wages for his work. Since the employer did not benefit from the labor, he is not required to compensate his employee for his time.

While a worker who quits midway is not liable for structural damage, he can, at times, be responsible for the increased cost of labor to complete the job. This responsibility to compensate his employer is applicable if at the time of his hire other workers were available at the same price. The underlying reasoning for this ruling is that a worker is responsible to fulfill his contractual agreement to his employer. The agreement includes the completion of labor at the fixed price between them. Although he maintains the legal right to quit midway, he is required to insure his employer that the job will be completed at no additional cost. This ruling is applicable in instances in which the employer is currently sustaining a loss due to the reneging of his

employee. If however, there is no imminent loss, the employer is instructed to patiently seek other employees willing to work at the original price.

The above information is applicable to a hired worker. A person that volunteers to service another does not assume any liability. Early halachic authorities explain that only a paid worker has a contractual obligation to complete a job at a set price. Quite the contrary is the relationship of a volunteer servicing a person in need of a worker. Such a person is to assume from the very onset that it is very likely that a volunteer can and will abandon a job midway. Even in the event one offers a volunteer payment not to quit the job midway, nevertheless, in the absence of a preexisting agreement the volunteer is free from all liability.

An employer claiming that he intended to fully compensate a volunteer after his work did not create a legal binding obligation and his intention to provide compensation for the work does not represent a contractual agreement. Hence, without stipulating clear terms of payment from the beginning of employment, a volunteer does not bear any responsibility when walking away from a job midway.

VERDICT: No Strings Attached

Our Bet Din rejected David the roofer’s claim for compensation from his workers. As mentioned in Torah law, even a paid worker is not liable for structural damage caused by quitting his job midway. Although a hired worker has a contractual obligation to his employer, making him responsible for various potential claims, nevertheless, a volunteer does not assume any liability when walking away from his job. David should have anticipated that volunteer workers are likely to abandon a difficult job. David’s claim that he intended all along to pay in full does not represent a binding contractual agreement. Without stipulating from the onset the terms of compensation for their employment, the workers are viewed as volunteers and are free of any liability.

YOU BE THE JUDGE

Unauthorized Tenancy

Joe recently moved out of his office in Manhattan on account of COVID-19. David, who was renting an office in Brooklyn, offered to sublet half of his office space to Joe for payment of half the rent. The arrangement continued for six months until the landlord claimed that David his tenant was in breach of contract. The landlord presented the contract to our Bet Din, which explicitly restricted David from transferring the property to another tenant. The landlord requested to evict David from his property and demanded that all proceeds illegally collected from the sublet are to be forwarded to him. David responded that he cannot afford to pay the sum of $21,000 but is willing to do so if he is required to by Torah law. He further expressed that since to date he paid in full all of his rent, he should not be required to forward the money he collected from Joe. As per the eviction, David explained that either way he is unable to pay his rent without an additional tenant to supplement the cost and he is happy to leave the property. David then informed his landlord that he needs four to six months to find a smaller property.

Is the landlord entitled to the proceeds of the unauthorized six months of Joe’s tenancy? Does he have the right to evict David? Can David stay for an additional four to six months until he finds a smaller property? How should the Bet Din rule and why?

Build the Bayit

This past month, Bet Yaakov of the Jersey Shore High School launched a very special campaign for the women in the community. Bet Yaakov believes that the school is not only a place to educate its students, it’s also a place to disseminate spiritual growth throughout the community.

To that end, the “Build the Bayit” Campaign was launched. At a special mother/daughter Hanukah luncheon a video was shown explaining the details of this campaign. At a time when the world is struggling with many difficulties, the high school girls took it upon themselves to encourage others to bring zechut to our community. The idea of the campaign is to generate zechut toward building the Bayit – the Bayit of Hashem – the Bet Hamikdash. The students of the school got family members to sign up to the program, where every day for 30 days everyone received a text message detailing a small very doable mitsvah to do each day. The misvot were ones that could be done by anyone at any age and any spiritual level that they may be at.

Throughout the month over 200 participants in the program performed these misvot every day. There has been such great feedback from so many participants who have risen to the challenge of taking a step each day to improve their spiritual growth.

Important Community Message About The Monoclonal Antibody Treatment

We would like to bring to the attention of the community the importance of acting IMMEDIATELY after a COVID-19 Positive Test.

After launching a public awareness campaign, and great efforts to make monoclonal antibody treatments available locally, over 125 high risk people who are COVID positive in our community have been successfully treated and some likely have avoided hospitalization. If you test COVID positive and meet the criteria listed by the FDA (found at: https://www.fda.gov/media/143605/download), it is urgent that you obtain an antibody infusion as soon as possible after your positive test.

Our community patient advocates are keeping tabs on where the antibodies are available and how best to schedule you in for a slot. The infusion process is short and you should be back home in a few hours. It is best to get these antibodies as soon as possible after receiving a COVID positive PCR test result.

If you receive the antibody treatment, you should wait 90 days and then consult with your doctor before getting vaccinated. Please contact one of the community patient advocates listed below so that they can work with your doctor and schedule you for the outpatient infusion.

Patient Advocates to Contact

NYC: Alan Esses: 917-969-6620 / Nathan Hoffman 917-681-2969 / Nancy Sutton 718-614-6711

NJ: Maurice Zekaria 732-829-1124 / Ike D. Massry 732-598-9399

Florida: Gershon Fink, MD 786-521-1587 / Baruch Sandhaus 786-626-6261

Medical Centers offering Monoclonal Antibodies for Outpatient Infusion

  • Mt. Sinai
  • New York Community Hospital
  • Maimonides
  • HNMC, Teaneck
  • Monmouth Medical Center
  • Mt. Sinai of Miami Beach
  • Memorial Hospital
  • Aventura Hospital

New Jersey Expands Coronavirus Vaccinations to Seniors, Medical Conditions, and Smokers

New Jersey has opened up COVID-19 vaccinations to residents 65 and older, as well as those from 16 to 64 with serious medical conditions or who are smokers.

“Over the last several months, our administration has built the infrastructure and laid the groundwork to support New Jersey’s COVID-19 vaccination demand,” Governor Phil Murphy said. “Based on recommendations from the Centers for Disease Control and Prevention, we are ready to begin ramping up our vaccination efforts exponentially and are confident in our ability to provide every willing New Jersey resident with a vaccine when it is available and they are eligible.”

Those chronic conditions that allow for eligibility include: cancer, chronic kidney disease, chronic obstructive pulmonary disease (COPD), Down syndrome, heart conditions, obesity, sickle cell disease, type 2 diabetes, and smokers.

The Lighter Side – February 2021

The Greatest Wish

Rupert, Dale, and Bubba, three middle-aged friends who never really made much of themselves, were sitting around complaining about the sorry state of their lives, when suddenly, an angel appeared and promised to grant each one of them a single wish.

Rupert immediately said, “I wish I were the President.” In an instant, Rupert found himself in the White House and in command of an entire nation.

Next, Dale said, “I wish I was the richest man in the world.” A moment later, Dale was on a on a private mega-yacht anchored off his own private island in the Caribbean, relaxing and enjoying the beautiful weather.

Finally, it was Bubba’s turn. Looking around and seeing that his longtime friends were gone, he said, “Gee, I feel lonely. I wish that Rupert and Dale were back here again with me!”

Jack V. Grazi

It’s All Latin

Mr. Morris, the 12th grade Latin teacher was always so involved in the text he was teaching that he practically never looked up at his students. He would call on a student for translation and explanation, and without realizing it, he often chose the same student day after day. Out of respect, the students wouldn’t point this out to him.

After being called on four days in a row, an exasperated Nathan asked advice from his friends who came up with a fool-proof plan.

The next day when the teacher said, “Nathan, translate and explain,” Nathan confidently replied, “Sorry, Mr. Morris, but Nathan is absent today.”

“All right,” said the teacher. “…so then you translate and explain.”

Hannah L.

The Vitality Secret

My wife recently ran into the housekeeper who used to clean our house many years ago and was surprised to hear that she was still at it, despite her advanced age. “How do you manage to do all the strenuous work housekeeping entails?” my wife asked.

“I do housework for clients who can’t see the dirt any better than I can,” she replied.

Jack V. Grazi

Lightning Hammer

During our home renovation, my wife was watching me drive in some nails. “You hammer like lightning,” she said.

“Really?” I replied, flattered.

“Yes, really…you never strike the same place twice.”

Alice K.

The Cheating Experiment

As the students began their final exam in science, little Tommy was nervous because he didn’t know most of the answers. Not wanting to fail, Tommy decided to copy all the answers off the boy sitting in front of him – the smartest boy in the class. When the test was over, Tommy handed the test to the teacher, confident that he did very well, but feeling bad that he cheated for the first time. As the teacher flipped through the tests, she noticed Tommy’s paper and called him up to her desk.

“Tommy,” she said, “It looks like you failed this test.”

“Failed?!” Tommy exclaimed. “How could I have failed, I’ll bet I answered every question right.”

“Not exactly,” the teacher said. “You answered the first question wrong and that was the most important.”

“Really? What was the first question and what did I answer?” Tommy asked.

“The first question,” the teacher answered slowly, “was, ‘Name’ and your answer was ‘Walter Bernstein.’”

Saide S.

Easiest Homework Ever

The teacher was collecting homework assignments from everyone in row four. When she passed Amy, she saw there was no paper on the desk, and she gave the young girl a disappointed look.

“Amy, where is your homework? This is the third time this week…”

Amy looked up innocently at the teacher and said, “But I followed your instructions exactly. You said the homework was ‘a piece of cake.’ I didn’t want to waste it, so I gave it to my baby brother to eat.”

Amiel T.

Food Service

Upon entering a local burger joint, Jason ordered a burger with a tomatoes and “minimal lettuce.” The woman behind the counter apologetically replied, “Sorry, but we only have iceberg lettuce.”

Ed G.

A Ticket to Ride

A motorist was speeding down the highway when a cop caught up with him and ticketed him for speeding. “What am I supposed to do with this?” the motorist grumbled as the policeman handed him the speeding ticket.

“Keep it,” the cop said. “When you collect four of them, you get a bicycle.”

Renda B.

Dad’s Advice

Phil was exhausted. His wife had just given birth and he had to watch their three older children for a few days. Although it was only for two hours a day, Phil was at his wits’ end and he had a splitting headache. Looking for some relief, he brought the kids over to his parents’ home for a visit. As soon as his father saw him, he noticed his poor condition.

“Phil, you look terrible,” he observed. “Why don’t I get you some aspirin?”

“No thanks, Dad,” Phil replied. “I just took two aspirins.”

“Well, it seems you didn’t follow the instructions,” his father said. Dad brought Phil a bottle and showed him the small print: “Take two aspirin” and “Keep away from children.”

Tutu Mulu

A Sure Cure

After suffering from a miserable cold for a week, Jeff visited his doctor and begged for relief. The doctor prescribed a pill, but it didn’t work. A week later, Jeff returned to the doctor, who gave him a shot. With no improvement in his condition and sicker than ever, Jeff visited the doctor a third time and said, “I’ve tried two medications you prescribed so far and neither of them helped. So before you recommend another treatment, you had better be sure it’s the right one.”

“Okay then, this is what I want you to do,” the doctor said. “Go home and take a hot bath. Then throw open all the windows and stand in the draft.”

“But I’ll get pneumonia!” protested Jeff.

“Exactly,” the doctor answered, “that I know how to treat!”

Abie C.

Inner Harmony

My therapist told me that the way to achieve true inner peace is to finish what I start. So far today, I have finished two bags of chips and a chocolate cake.

I feel better already.

A. N.

Spelling Test

Teacher: Billy, how do you spell “crocodile”? Billy: K-R-O-K-O-D-I-A-L. Teacher: No, that’s incorrect. Billy: Maybe you think so, but you asked me how I spell it.

R. G.

Techno-Diner

Working on a computer all day has definitely messed with Sarah’s view of reality. We had just placed our lunch order, and as our waiter walked away, he slipped on a wet spot on the floor. “How about that?” she observed dryly. “Our server is down.”

Carey A.

Riddles – February 2021

Riddle: Cats & Dogs

SUBMITTED BY NANCY H.

Fido is staring only at Jamie, but Jamie is staring only at Felix. Fido is a dog and Felix is a cat. Jamie is either a cat or a dog, but you don’t know which. Given just this information, is a dog looking at a cat – or are you unable to know for sure?

Previous Month’s Riddle: A Numbers Game

What number comes next in each of these four mathematical sequences?
A)  6     9   12   15   18 ____

B) 29   25   21   17   13 ____

C)  2     4     8   16   32 ____

D) 13   17   19   23   29 ____

Solution:

A) 21 – multiples of 3
B) 9 – subtract 4 at each step
C) 64 – multiply by 2 each step
D) 31 – prime numbers in increasing order

Solved by: Meir Nakach, Mr. Lacher, S. Levy, David Weiss, Berta Kassab, Mazie Betesh, Morris Kabani, Big Mike, and The Dweck Family.

Junior Riddle: At The Market

SUBMITTED BY SION D.

The grocery store is charging the prices listed below for milk, juice, cheese, and butter. Your aunt buys one of each, plus spends an additional $7.50 on other products. In her purse, she has several $1, $2, $5, and $10 bills. What is
the least number of bills your aunt can use to pay for her groceries? (She does not have any coins.)

Milk: $2.25 / Juice: $2.75 / Cheese: $1.50 / Butter: $3.50

Previous Month’s Junior Riddle: Crack The Code

Each letter in the cryptogram below has been replaced by the letter that comes immediately after it in the alphabet. For example, B has replaced A, C has replaced B, and so on throughout the entire alphabet. Can you figure out the message below?

Dpohsbuvmbujpot po efdpejoh uijt tfdsfu nfttbhf. Zpv bsf b nbtufs tpmwfs!

Solution: Congratulations on decoding this secret message. You are a master solver!

Solved by: Meir Nakach, Moshe L., Abie Cohen, Raymond Dabbah, David Weiss, Berta Kassab, The Shmulster, Eliyahu Cohen, Lenore H., and Alice P.

Mabrouk – February 2021

Births – Baby Boy

Joey & Rachel Avidan

Moshe & Michal Shalam

Rabbi Morris & Frieda Mizrahi

Mr. & Mrs. Sol Bergman

Michael & Yvette Uziel

Hal & Milia Sitt

Births – Baby Girl

Jack & Rose Shalam

Moshe & Shira Mizrahi

Jason & Frieda Betesh

Morris & Rachel Dweck

Bar Mitzvah

Victor Haim, son of Moshe and Claudette Cohen

Engagements

Phil Shelby to Sandi Grazi

Morris Cameo to Frieda Eiler

Abraham Kizon to Aviva Setton

Moshe Cohen to Caroline Cohen

Benjamin Ben Haim to Jamie Dweck

Sonny Chehebar to Celia Salame

Abe Madeb to Jane Zakay

Menashe Razak to Chana Malakh

Joey Uziel to Jacqueline Franco

Joseph Bahary to Rivka Moses

Weddings

David Adjmi to Sarah Yedid

Raymond Gindi to Esther Mochon

Albert Sitt to Betty Ghonoja

Once Upon a Thyme – Classic Chile

ADINA YAAKOV

Thick, rich and flavorful, chile is one of those dishes that top the comfort food charts. Try it on its own, or serve it with corn chips or warm tortillas. Chile is also tasty over rice, fries or potato wedges. Chile can also be used as a hot dog topping, which takes it to the next level. Last but not least, my favorite way to use chile is as Sloppy Joe meat, stuffed inside fresh rolls.

INGREDIENTS:

  • 1 lb. ground beef
  • 1 onion, diced
  • 2 tbsp canola oil
  • 5 cloves crushed garlic
  • 1 green pepper, diced
  • 1 cup chicken or beef broth
  • 14 oz. can crushed tomatoes
  • 1 can tomato sauce
  • 1 can black beans
  • 1 can kidney beans
  • 1 tbsp kosher salt
  • 1⁄2 tsp cayenne
  • 1⁄2 tsp smoked paprika
  • 2 tsp cumin

     

    OPTIONAL TOPPINGS:

    • Lime wedges
    • Tortilla or corn chips • Scallions
    • Parve sour cream

  1. In a large pot, heat oil and add onions. Cook until transparent and then add diced green pepper and cook for an additional 5 minutes.
  2. Add ground beef and cook until browned. Break up any large chunks with your spoon.
  3. Mix in cumin, cayenne, paprika, and salt.

4. Pour in drained beans, crushed tomatoes, tomato sauce, and broth and bring to a boil.

5. Lower flame to a simmer while stirring until the chili thickens.

6. Serve warm with your favorite toppings.

Dinner Done! – That Famous Coconut Crunch Cake Just Got Way Better

An incredible, moist, coconut-y cake is paired with the famous coconut crunch topping. The only question is…why did it take so long for this match to come about?

THE NEW CRUNCH CAKE

CAKE:

  • 1 3⁄4 cups flour
  • 3⁄4 cup unsweetened coconut flakes
  • 1 1⁄2 cups sugar
  • 1 1⁄2 teaspoons baking powder
  • 1⁄4 teaspoon salt
  • 1⁄2 cup canned full-fat coconut milk (mixed to an even consistency)
  • 1⁄2 cup oil
  • 4 eggs
  • 1 teaspoon vanilla extract

COCONUT CRUNCH:

  • 1⁄2 cup coconut flakes (sweetened or unsweetened)
  • 2⁄3 cup flour
  • 1⁄4 cup brown sugar
  • 1⁄4 cup oil

ICING:

  • 2 cups confectioners’ sugar
  • 1⁄4 cup boiling water
  • 2 tablespoons oil
  • 1⁄2 teaspoon vanilla
  1. Preheat oven to 350F. Line and grease an 8-inch springform pan or Bundt cake pan.
  2. In a bowl, combine all ingredients for the cake. Mix well. Add batter to prepared pan and bake for 40-45 minutes. Let cool.
  3. Line a baking sheet with parchment paper. Combine all Coconut Crunch ingredients. Spread on prepared baking sheet and bake for 12-15 minutes.
  4. Combine all icing ingredients. Once cake is cool, drizzle icing over cake and add coconut crunch. The icing is meant to act as a “glue” to attach the crumbs to the cake. Continue to drizzle more layers of icing and crunch until all the crunch is “stuck” to the cake. Finish with a final drizzle of icing. You might not need all.

Yield: 8-10 servings; 1 cake

Sweetened or unsweetened coconut?

We used unsweetened coconut inside the cake. For the topping, the original recipe calls for sweetened coconut, so we left the “famous” topping as-is. Either would be interchangeable.

Budget for Utilities and Home Maintenance

KAREN BEHFAR

You budgeted and planned how to find your dream home, but now how will you maintain it?

You may have rented before and were not responsible for utilities and maintenance. As a homeowner you will now be responsible for utilities and any wear and tear that needs help. Make sure to include these things in your budget and have
a way of paying for them. You cannot know exactly what the cost of home maintenance and utilities will be for the house you buy. However, you can get a rough estimate of utilities
by requesting the utility costs from the seller for the last
12 months. In addition, your home inspection will show you what home repairs you will need to make. This will give you a general idea of how much you will need to spend on home maintenance.

Consider Other Costs

Other monthly expenses to consider are homeowners insurance and property taxes. The cost for homeowners insurance will depend on the size of the home, the location, the value of your personal possessions, and the age of the home. Property taxes are collected by county, city, and state governments, so your property taxes will depend on your home’s taxable value.

Avoid Increasing Debt

Income and employment history are two of the most important factors mortgage lenders consider. Your job history needs to be steady, and your debt-to-income ratio matters. These are two major factors that lenders consider when determining how much of a mortgage you can afford. Avoid making big purchases that will increase your debt!

The Walk-Through

Mabrouk! You found the home of your dreams! You have one last thing to do before you close – the walk-through.

This is arranged by your real estate agent (another benefit of having an agent!). The goal is to ensure nothing has changed since you last saw the house, that any repairs you agreed upon with the seller have been done, and all the terms have been met. This is your hour to inspect the house to make sure all is up to your standards. Take the time and check EVERYTHING before you put your name on the dotted line and move into your beautiful new home. If any issues crop up your agent will bring in professionals to quote a price and smooth over any bumps. And one of the benefits of using The Behfar Team is our virtual tour, in which we can actually see if anything has changed since the first home inspection.

The Year in Review

It has been nearly a full year since COVID-19 started. We initially thought that the real estate market would ground to a

halt. We definitely listed and went into contract on a few homes in early March. But many sellers and buyers were staying put, trying to gauge where the market was at. The market began to pick up in May when buyers saw low interest rates and took advantage of it. The benefit of low interest rates is that it gives buyers more buying power and leverage. Buyers are now able to afford a home that was previously out of their range. Renters, who were not even thinking of buying, realize they can now buy at the same price that they’re renting for. Once people start looking, they tell their friends and it creates a snowball effect. I have never seen so many buyers on the market. There was a correction in the market.

For every home we put up there are multiple buyers and offers. Homes are moving along quicker than they were a year and a half ago. The luxury homes, lots, and vacant houses that need complete gut renovation are the ones that are sitting longer on the market. Costs of renovation have gone up and that is definitely playing a factor in the prices of luxury homes.