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Hashem’s World, and Our Place in It – Utilizing the Yamim Nora’im to their fullest potential

Tishrei is called yerah ha’etanim – the month of the mighty. How can we tap into that awesome reservoir of power in order to better serve our purpose in This World?

As we all prepare for the High Holy Days, we get inspired by classes we hear, or by learning from some of the many sefarim that were written about them. Certainly, we increase our misvot, both in quantity and quality. We recite the selihot in order to awaken feelings of teshubah. We introspect on the past year and resolve to do better. These are all wonderful things, and they serve to put us in the proper frame of mind as we approach this crucial point of the year. But all of that can be compared to honing a tool preparatory to its use. Once the tool is sharp it must be used, or all that preparation will go to waste. We would do well to not only get inspired, but to enter Rosh Hashana with a concrete and long-term plan for success.

The Triple Triad

As we know, in the Torah everything is interconnected. The day, the year, our lives, indeed the entirety of history all combine to patterns within patterns. Each point not only serves its intended purpose but connects to the other points in order to create the larger picture. In this way, every piece of creation, every moment in time, is pointed toward the ultimate goal – increasing awareness in the world of the greatness of Hashem. Let us examine one small piece of that pattern.

It’s no accident that we have three separate holidays all in one month. Rosh Hashana, Yom Kippur, and Sukkot are connected with each other to form the identity of The Month of the Mighty. To a certain degree, they are like one holiday. In addition, each of these three holidays has three major components, which all lead to each other. Let’s unpack that.

Rosh Hashana is the day when Hashem completed the creation of the world. It was the day of Adam Harishon’s creation: the jewel in the crown that is Olam Hazeh. This theme is reflected throughout the prayers of the day. Another major point, and one connected to the first, is that this is the day when we acknowledge Hashem’s rule over us. Before there were humans, there was no one to recognize our King, so the day of Man’s creation is also the day Hashem became King of the world.

The third, and most recognized, theme of Rosh Hashana is that it is the Yom Hadin. Commonly called a day of Heavenly judgment, a more accurate description is a day of accounting. Just as a business owner will periodically look over his inventory to see which products are performing up to expectation and which need to be improved, so does Hashem look over our year that passed and judge how well we have utilized the opportunities and resources that He provided us with.

Thought to Action

These three themes are in reality three stages of one overall theme, as follows. In every action that is taken, there are three stages: thought, speech, and action. If someone wants to build a building, he first has the idea of the building and the purpose it will serve. He then puts that idea into words or drawings, in order to set the details clearly and the steps needed to achieve his vision. The final stage is to execute those plans, bringing his original thought into reality. The creative idea is a limitless and expansive vision, while the setting down into details is of necessity a limiting and defining step, focusing the vision into something practical. After being defined clearly, only then can the vision become reality. If any of these three steps are missing, the desired result will not come to pass. This process is true with regards to anything that is accomplished in the world and can also be applied to the three major themes of Rosh Hashana. The core idea: the ultimate goal is that Hashem is the acknowledged Ruler of all creation. For that to happen, there must be a creation that can acknowledge Him, as well as an accounting of that creation to be sure that it is achieving its purpose. So, we have 1) Hashem as King (thought), 2) accounting of the world (speech), and 3) creation of the world (action). These are the three themes of Rosh Hashana, woven into one.

Yom Hakippurim

We find three major parts to Yom Hakippurim as well. The most obvious is in its name – the Day of Atonement. It’s when we are cleansed of all the mistakes we have made over the past year. Our souls are purified, and we are enabled to go out and serve Hashem without the past dragging us down.

The second part is a connection with Hashem unparalleled in its purity. On this day, and no other, the Holy of Holies is open for us to enter. On this day, and no other, we are like the angels. On this day, and no other, the Kohen Gadol utters Hashem’s name explicitly. On this day we spend all of our waking hours in shul, just connecting to Hashem.

The third, and often overlooked aspect of this day, is the giving of the Torah. Yom Kippur was the day that Moshe came down the mountain with the Second Luhot. The Tablets that were actually placed in the Ark in the Beit Hamikdash were given on this day. This was the culmination of the process begun four months prior, on Shavuot. So, again we have three themes, and they reflect the three of Rosh Hashana. 1) Hashem is the King of the world, so we spend an entire day serving and connecting to Him as such. 2) After the accounting of Rosh Hashana, when Hashem decides who will be able to continue serving Him, we come to the cleansing of Yom Kippur in order to prepare for and facilitate that service. 3) The creation of the world is only the beginning. The Torah gives detailed instructions on how to interact with that world, and how to serve Hashem thereby.

So, we see how themes of Yom Kippur are not only connected to those of Rosh Hashana, they are the details and focus of the vision that was expressed on that day. Yom Kippur is the “speech” to the “thought” of Rosh Hashana.

Hag Ha’asif

And now we come to Sukkot. Among the many names for this holiday is Hag Ha’asif­ – the Holiday of the Harvest. This is not a mundane harvest festival such as can be found on many farms, but rather is a time to actualize and gather in the results of all the hard work put in previously. It is the ‘action’ that comes after the thought and the speech. Let’s take a look.

Sukkot is the time when we leave our world and step into Hashem’s reality. It’s the time to actualize our trust in Him – shown by living in the sukkah. We don’t just talk about believing in Him, we take the action that is dictated by that belief. After declaring Hashem’s kingship on Rosh Hashana and connecting with Him on Yom Kippur, we take the next step of acting on that fact.

The second part, where Hashem weighs our actions then cleanses our mistakes, is reflected in what the hachamim call the “first day of the accounting of sins.” Sukkot is the first day after Yom Kippur that “counts” toward the year’s (hopefully limited) collection of mistakes. The four intervening days are designated for gearing up for the year’s work in service to Hashem.

The final portion of the theme of the High Holy Days is the “action” – the creation of the world and the giving of the Torah. This is expressed on Sukkot in how we pray for the sustenance of the entire world on this holiday. Both with the lulav and etrog, and the seventy bulls brought in the Beit Hamikdash, the rain, symbolizing the outpouring of Heavenly sustenance, is released.

What It Means for Us

What we see through all this is a clear and focused pattern of Hashem declaring His kingship and expecting us to take action to make that a reality. We can follow this same pattern in our own approach to these holy days. Instead of the generic “New Year’s resolutions,” we can come in with a plan. Each of us has his or her place in Hashem’s world, discernable by our unique talents and abilities. Rosh Hashana is a time to focus on those and dedicate them to serving Hashem as He wants. On Yom Kippur, when the errors of the past are wiped away, we can clearly see the best way to use those talents and resources for their intended purpose. And Sukkot, where plans become reality, is when we begin to implement those plans. In this way, when we come to Rosh Hashana 5782, it will be with the taste of this year’s inspiration still fresh, allowing us to build further still.

Leshana Tova Tikatevu Vetihatemu!

 

Mozelle Forman – A Legacy of Education

Long before the modern-day special education system was created, Shlomo Hamelech, in Sefer Mishle (22:6), recommended individualized instruction: “Teach the child according to His way.”

Many commentators explain this to mean that one should educate the child in Hashem’s way – the way He wants us to conduct our lives. But others explain this to mean that a child must be raised in his – the child’s – way.  As the Stone edition of the Tanach writes, “…the effect of a proper upbringing is lifelong but in raising a child parents and teachers must take careful account of his ability and character.” No two children are the same, and so no two children should be educated in precisely the same way.

Rochelle Gemal, a”h, exemplified both meanings of this verse.

She dedicated her life to the service of Hashem through her innumerable acts of hesed, and by educating each and every person she taught according to His ways. And while she was taken from our world before we were ready to say goodbye, her legacy will live on in the state-of-the- art Rochelle Gemal A”H Special Education Learning Center and Resource Room at Yeshivat Keter Torah.

A Thirst for Knowledge

Together with her husband, Mitchell, Mrs. Gemal built a beautiful Torah family, and they were blessed with many grandchildren. Her daughter, Sara Bijou, relates that while growing up, she and her siblings had limited access to television, and by the time she was in high school, the television was gone. “Not for religious reasons,” Sara explains.  “My mother just didn’t believe in it.” Instead, Mrs. Gemal spent hours reading to her children, and later to her grandchildren.

“We learned that education, and reading, in particular, was a fundamental value to my mom and influenced everything she did in her life,” Sara reflects.

Rochelle’s thirst for knowledge was evident in the sheer number of classes she attended. Rabbi Shlomo Diamond recalls how Rochelle attended his classes consistently for 40 years.

“In the beginning, she took copious notes which made the class better than it was,” Rabbi Diamond says. “She made xerox copies and shared them with her friends.” Later, she made cassette tapes and distributed them to friends in Deal and Brooklyn.

Mrs. Gemal’s daughter, Adele Cohen, recalls a story told by her grandmother.  “Apparently, my mom loved school so much that when she was told she couldn’t go to school because she had the chicken pox, she cried and cried all day.  My mom loved school so much, she always said she made it her ‘lifelong profession’.”

And what an illustrious profession it was, spanning 48 years, during which time Mrs. Gemal taught students of all ages, including newly-arrived Russian immigrants, in almost every educational institution in our community.

A Love for Knowledge

After graduating from Brooklyn College, Mrs. Gemal began her teaching career at Magen David Yeshiva in Brooklyn, where she was beloved by her students. In fact, when her daughter was approached to babysit, she was told by the mother looking to hire her, “You come with a great recommendation from my husband.”

“But I never met your husband,” the babysitter said, perplexed. “How could he recommend me?”

To that the woman replied: “Well, you are Mrs. Rochelle Gemal’s daughter, and she was my husband’s favorite teacher, so you come recommended!”

As much as Mrs. Gemal loved her profession and enjoyed teaching, her first priority was her own family. And so when the family moved to Deal, she did not immediately pursue a full-time teaching position. Her passion for teaching was satisfied in her position as a substitute teacher at Hillel, where her own children attended school. She also pursued her own educational goals by studying and receiving a license to teach special education.

She later began teaching at Ilan High School, where her versatility and vast knowledge allowed her to teach both AP courses as well as special education students. “Rochelle had the ability to bring out the best in all her students,” her husband, Mitchell, describes. “I watched her work with a student who was clearly having difficulty with the material. By the time she was finished, the child not only knew the material, but had a newfound confidence that Rochelle instilled.”

When she believed in you, you believed in yourself.

Rabbi Yaakov Yosef Reinman, who worked with Mrs. Gemal extensively at Ilan High School, and later, on several proofreading projects, says of her: “She had a relentless thirst for personal growth through knowledge. According to Rabbenu Yonah in Avot (4:1), the measure of a wise person is not how much knowledge he has accumulated, but how much he loves knowledge. Rochelle had knowledge, but even more important, she had great intellectual curiosity.”

Aside from teaching, Mrs. Gemal took on the role of proofreader “par excellence” of every yearbook and publication that the school produced. Mrs. Hena Diamond, principal at Ilan High School, describes Mrs. Gemal’s work as “meticulous, catching every mistake, be it grammar, context, font size, and more.”

But where Mrs. Gemal made the most impact was in her keen sensitivity to others. Mrs. Diamond says it most succinctly: “She had the intuition to be there for people in a deep and consistent way…in a way that they can gain true hizuk [encouragement].”

In a speech she gave to high school students about the importance of hesed, Mrs. Bonnie Mansour spoke of her “best friend,” Mrs. Gemal, and the “one small gesture that gave me the confidence to become who I am today.” That small gesture took place in the lunchroom at Boody Middle School in Brooklyn, and it was quintessential Rochelle – intuitive and sensitive. Seeing Bonnie, a fellow student who had just moved from out of town and looking a little lost, Rochelle, all of 14 years old, waved to Bonnie and patted the seat next to her, inviting her to sit with her and her friends, thus making her an established member of the group. It was this character trait that informed every aspect of Rochelle’s life and career as an educator.

“Powerhouse”

Side view of the Rochelle Gemal A”H Special Education Learning Center.

After working at Ilan for many years, Rochelle took on the role of support teacher at Yeshivat Keter Torah.  She would enter a classroom and work alongside a student who needed extra guidance during the lesson. This allowed the student to remain in the classroom with his friends and peers, while receiving the extra coaching and assistance he needed.

Rabbi Aharon Yanai, the yeshiva’s menahel, describes Mrs. Gemal as a “powerhouse” dedicated and devoted to her students.  “Education meant everything to Mrs. Gemal, a”h, and the students sensed her seriousness about learning and took their learning seriously because of that.”

Her message to the students was twofold: This is important, and you can do this.

The Rochelle Gemal Learning Center

Rendering of the future Yeshivat Keter Torah.

 With her limitless devotion, commitment to her students and compassionate intuition, Mrs. Gemal created a legacy of learning that Yeshivat Keter Torah continues to embody.  How befitting it is that the yeshiva is honoring the memory of this exceptional woman by establishing the Rochelle Gemal A’H Learning Center and Resource Room. The room will be designed to look and feel pleasant and fun for the student. Through its trained professionals, who will 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 Learning Center will enhance the academic and general growth of all its students.

“At Keter Torah, we passionately believe that every child can succeed,” says Mrs. Chaya Sima Wahrman, Director of Special Services at Yeshivat Keter Torah. “In the Learning Center, our goal is to provide each child with the tools he needs to attain the foundational skills necessary for academic success.”

Infusing our students with love and confidence.

Research shows that when a child has strong foundational skills, those learned in pre-school through third grade, he has the best chance of academic success. The Common Core Standards, developed in 2009 by state leaders, including governors and state commissioners of education, addressed the need to ensure that critical thinking skills, reasoning, skills, and evidence collection skills in both math and reading, were achieved. In the same way that we monitor an infant’s milestones in baby steps – crawling, standing, walking, running – foundational skills are milestones that every student should reach in grades pre-k to 3 in order to become a strong reader. The standards emphasize that when it comes to these foundational skills, “Instruction should be differentiated: good readers will need much less practice with these concepts than struggling readers will. The point is to teach students what they need to learn and not what they already know – to discern when particular children or activities warrant more or less attention.”

Without realizing it, this committee put into practice the advice of Shlomo Hamelech – “Teach every child according to his way.”

The Keter Torah faculty and administration are committed to identifying student challenges while they can still mold skills and make sure the basics are mastered.  As Rabbi Yanai, menahel, explains, the assessment process is thorough and ongoing.

Small group instruction to facilitate hands-on learning of Alef-Bet and Nekudot.

“Each student is assessed for strengths and areas of challenge.  For instance, a student may be strong in reading but requires support in math or vice versa, or a student may be strong in both but needs support for his reading comprehension. Our goal is to assist in areas that are needed while keeping the child in his regular class for all other subjects. This reduces the stigma sometimes associated with the resource room and does not compromise the child’s socialization with his peers. The child gets the message that ‘I have needs that need to be met, but I can still be part of the regular class’.”

Weekly assessment meetings are held by the classroom teacher and resource room professional working with the student. When it is determined that the student has mastered the necessary skills, he is mainstreamed back into the classroom. But not without the support he needs.

The Rochelle Gemal Tutoring Fund

To that end, the Gemal family is spearheading a second initiative that addresses the financial burden borne by the families of students requiring supplemental support, or tutoring, outside the resource room. Most tutors receive as much as $80 an hour, which can impose an extraordinary financial burden on a family already paying yeshiva tuition.

“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 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 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.”

Following in the tradition of Mrs. Gemal a”h, her family has set out to create the Rochelle Gemal A”H Tutoring Fund. The model they envision is simple but ingenious – tutoring services for children who cannot afford the fees, provided by teachers or tutors requiring supplemental income.

“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.”  Truly a win-win-win situation.

The initial funding for the program will be endowed by the Gemal family, and it will be replenished by donations.

Rabbi Shlomo Diamond describes Rochelle as “a lady who in her quiet, modest way influenced so many others,” and who “left the world hidden, without any fanfare, and that was the way she was her whole life.”  She was a woman deeply committed to education, knowledge, and personal growth, devoted to hesed and lovingkindness, and who lived by the guiding principle, “When you save one neshamah (soul), you save the world.” Her smile, her reassuring words, and her gracefulness, will be sorely missed.  But through the Rochelle Gemal A”H Resource Room and the Rochelle Gemal A”H Tutoring Fund, her legacy of education and hesed will continue for many years to come.

Even when Mrs. Gemal became ill, she kept to her teaching schedule as best as she could. It was always a top priority for her. The following touching poem, presented to her by the administration, faculty, and students of Yeshivat Keter Torah, illustrates her singular dedication:

Each Tuesday and Thursday

And some Wednesdays, this year

Our school was so privileged

Because you were here

You’d peek into the classroom

And then kindly enter

Circulating to aid each student

In the front, back and center

With clarity you’d explain

Grammar, reading and math

You’d teach and elucidate

Setting each student on the right path

And so Mrs. Gemal,

We thought you should know

Our best wishes are with you

And WE MISS YOU SO!

 

Thank you for touching the lives of our students

 

 

An Opportunity to Share in this Mitzvah

Rabbis have taught us that providing funds for a child’s Torah education is considered an admirable outlet for a person’s ma’aser kesafim (charitable tithe). Anyone interested in sharing in this mitzvah and donate to the Rochelle Gemal A”H  Special Education Learning Center, Resource Room, and Tutoring Gemach FUND, is invited to send an email to Mgemal@keter.org.

President Trump Visits Deal, NJ for Fundraiser

Last month, President Donald Trump visited Deal, NJ to attend a fundraiser at the estate of his late friend, Stanley Chera, a”h. The fundraiser took place on the Chera estate on Ocean Avenue.

Two days after Stanley Chera’s passing on April 11, Trump tweeted, “My deepest sympathies go out to Frieda Chera and the family of the late, great, Stanley Chera, one of Manhattan’s most brilliant real estate minds. Stanley was charitable, kind, and a wonderful friend. He will be truly missed!”

Trump supporters Victor Harary and Ray (Rocky) Antoki cheering for Trump.

President Trump landed in Marine One, the helicopter which transports the president, on a field of the public local school opposite the Park Avenue Synagogue. On the short drive to the Chera estate, Trump was met with an enthusiastic crowd waving pro-Trump signs along the way, as well as several protesters with anti-Trump signs. At 2pm, hours before Trump’s anticipated arrival, protesters for and against his administration squared off  on either side of South Lincoln Avenue, trading chants – “Dump Trump!” and “Four more years!”

The event was closed to reporters, but an RNC official said the event raised over $5 million.

Senator Gounardes Announces Community-Led Graffiti Removal Program

Senator Andrew Gounardes partners with local precincts to remove graffiti.

Following the city’s cuts to the $3 million graffiti removal program, State Senator Andrew Gounardes announced a local volunteer initiative to remove graffiti. Gounardes’ program partners with the 61st, 62nd, 63rd, and 68th police precincts to take graffiti reports from residents and deploys community volunteers to clean up the graffiti. He encouraged all who notice graffiti to call his District Office number – 718-238-6044.

The program is part of his “3 for Community Initiative,” a volunteer program where southern Brooklyn residents commit to at least three acts of kindness or volunteerism each week. Through 3 for Community, Gounardes has led several community clean ups and neighborhood improvement projects.

“Keeping our neighborhoods clean is part of keeping them such great places to live. Every New Yorker – no matter their background – deserves to be able to enjoy our streets and open spaces. We have a responsibility to one another to maintain and improve our shared spaces so that we can ensure our community continues to thrive, no matter the circumstances,” said Senator Andrew Gounardes.

The Deal Misaskim Volunteers Need Your Help

The Misaskim delivery vehicle that has serviced the Deal Community has broken down beyond repair. There isn’t a shivah home in the area that hasn’t been provided for by the Misaskim volunteers of Deal in the past. They need to purchase a new truck and more equipment in order to continue servicing our community uninterrupted. If interested in giving a donation – go to the following link: https://www.rayze.it/deal2020  or call  718 854 4548.

Tizku L’mitzvot!

 

 

Between Carpools – Mock Ribs

Rather than preparing ribs, you can use a brick or French roast, cut into rib-like cubes so they have the appearance of short ribs on the plate or in the serving dish. You’ll get more meat for the money, but then there’s no roast to slice! Everyone just takes a large “rib” or two.

This time we’re using the recipe that we use to prepare the pulled beef for our Pulled Beef
Tacos (this meat will also shred beautifully!), but you can use any rib recipe to prepare roast this
way!

2 tablespoons vegetable oil
5 pounds brick or French roast, cut into 3-inch cubes
1 teaspoon kosher salt
1/2 teaspoon fresh ground black pepper
4 garlic cloves, coarsely chopped
1 (16-ounce) can tomato sauce
1 cup house made barbeque sauce
1 cup beef stock
1/4 cup apple ci ​der vinegar
1/2 teaspoon ground mustard

  1. Preheat oven to 325 degrees Fahrenheit.
  2. Heat oil over medium heat in a large, heavy, oven-safe pot or Dutch oven, and
    brown the mock ribs on all sides, about 5 minutes, working in batches if
    necessary. Sprinkle mock ribs with salt and black pepper as they brown. Transfer
    cooked ribs to paper towels to blot up extra oil.
  3. Stir in the garlic, and cook until fragrant, about 1 more minute. Mix in tomato
    sauce, barbeque sauce, beef stock, apple cider, and mustard. Bring the sauce to a
    boil, and simmer for 1 minute to blend flavors. Stir in the browned mock ribs.
  4. Cover the pot, and bake in the preheated oven until the rib meat is very tender,
    about 2 1/2 hours. Turn the ribs occasionally while cooking.
  5. Season with salt and pepper.
  6. At this point, you can remove the meat and reduce and sauce a bit (cook it over
    medium-low heat) to let it thicken. Then return the meat to the pan and warm
    when ready to serve.

The Case – But You Gave Your Word

Steve and Jennifer were actively pursuing the purchase of Sam’s home for nearly a year. Sam owned a desirable property and was clearly holding out to get his price. Eventually, Steve and Jennifer conceded to pay Sam’s price and in late February they shook hands and verbally committed to the deal. While the lawyers were preparing the final draft of the contract for the sale, the coronavirus spread throughout the Tri-State area. As soon as the couple internalized the potential financial effects of the pandemic, they notified Sam that they were reneging on their word to buy his property. Sam was flabbergasted by the turn of events. In Bet Din, he presented a list of three buyers that he turned away after Steve and Jennifer agreed to the deal. Sam claimed that these buyers were no longer available, and that one buyer already closed on another property. Steve and Jennifer expressed their potential financial hardships and were unwilling to commit to the purchase even at a lower price.

Are Steve and Jennifer required to keep their word and purchase the property? Is Sam entitled to compensation for his loss? How should the Bet Din rule and why?

An Important Notification

Due to the current COVID-19 crisis, many financial disputes have emerged and are presently being settled by qualified rabbinical courts around the globe. It is important for parties in dispute to submit their respective claims to competent halachic authorities. The laws governing a pandemic are detailed and complex, and only an experienced Bet Din with a broad knowledge of monetary law can rule accurately. The following article highlights only some of the research done for this case, as part of the information is too intricate to record and is beyond the scope of this article. Since no two cases are the same, it is not recommended to apply this ruling even to a similar case, as often minor details can substantially sway the outcome of a decision. Nevertheless, it is valuable for us to study the laws of the Torah and acquire a basic understanding of monetary laws that apply to a pandemic.

Torah Law

According to the ruling of the Shulhan Aruch the sale of real estate is final only after a contract is signed and funds are transferred.  However, if a contract is not signed, a number of leading halachic authorities view the transfer of funds as a legal commitment to purchase a property. Hence, if either the buyer or seller renege after a deposit was transferred but a contract was not yet signed, a Bet Din will likely intervene.

The above ruling is applicable in instances in which a buyer and seller pursue the sale of real estate beyond the initial stage of a verbal commitment. In the absence of any binding form of transaction, legally both parties maintain the right to renege on a verbal agreement. Nevertheless, by rule of the Shulhan Aruch, one who defaults on a verbal commitment is viewed as untrustworthy. Breaking one’s word is considered unethical conduct and taints the reputation of the offender.

According to the ruling of the Shulhan Aruch a person is responsible to follow through with a sale once he gave his word, even if there is a fluctuation in the market price in the interim. Other leading halachic authorities rule in leniency and allow a party to renege on a verbal commitment if there is a fluctuation in price. Nevertheless, Jews of Sephardic origin are required to abide by the teachings of the Shulhan Aruch and are therefore restricted from breaking their word in such situations.

Notwithstanding, in certain remote instances one is permitted to renege on a verbal agreement. A pandemic that severely shifts the financial stability of a party provides exemption of any moral obligation to honor one’s word. Since it is beyond the shadow of a doubt that the verbal commitment was not extended under such extenuating circumstances, it is permitted for one to renege without suffering the repercussions of a tainted reputation. As per other instances in which one is permitted to back out of a deal after a verbal commitment, one is required to contact a Bet Din before acting.

Often, a party that reneges causes indirect damage to his counterpart. If such damages can be proven by a victim, the reneging party must provide compensation for the loss incurred. Nevertheless, in instances in which a reneging party is subject to circumstances beyond his control, no liability is imposed for damage caused. Hence, a potential buyer that reneges on a purchase because of COVID-19 is not responsible for the damages caused to the seller.

VERDICT: Everything Within Reason

Our Bet Din ruled in favor of Steven and Jennifer, allowing them to walk away from the purchase of Sam’s home without any financial or moral obligation. As mentioned in Torah law, in the absence of a signed contract and transfer of a deposit, a sale is not binding. Steven and Jennifer are therefore free of any financial obligation or penalty for reneging on their commitment to buy.

Furthermore, Steven and Jennifer were reneging on the deal because of a severe shift in their financial status as a result of the COVID-19 pandemic. Unfortunately, the past five months were devastating for the couple as they lost their main source of income and suffered irreparable damage. Although verbally committing to buy generally represents a deep moral obligation, in such extenuating circumstances Steven and Jennifer’s moral obligation is waived. It is beyond the shadow of a doubt that in hindsight the couple would never have committed to purchase if they knew of their future financial misfortune.

Additionally, Sam is not entitled to compensation from the couple for his loss of time and opportunity with other potential buyers. Firstly, there was no guarantee any of the other potential buyers would have finalized a purchase. Furthermore, Steven and Jennifer reneged on the deal because of circumstances beyond their control. They are not liable for indirect damage caused by extenuating circumstances.

YOU BE THE JUDGE

A Cash Advance

Solomon extended a five-year loan of $200,000 to his brother-in-law Danny back in 2018. The terms of the loan included monthly payments of $5,000 for 60 months. Although the loan was extended to Danny’s LLC, Solomon required Danny to sign legal documentation making him personally responsible for the funds. After making his monthly payments for two years, Danny expressed concern that he is paying interest of $100,000 to Solomon over the course of their five-year agreement. Solomon dismissed Danny’s concern, explaining that money extended to a corporation is not subject to Jewish law restricting interest. The two appeared before our Bet Din for clarification of the law and signed on a binding of arbitration to comply with our ruling.

Can Danny continue to pay his monthly payments uninterrupted? If not, what is to be done with the balance of the funds owed? Is Solomon required to forfeit collecting money over the amount of $200,000 even though two years already passed? How should the Bet Din rule and why?

 

 

Back to School 2020 – Can Our Children Return to School Safely?

Can our children return to school safely?

This is the million-dollar question!

By the time you read this, I trust that you will feel comfortable with the reopening plans implemented by the schools your children attend.  The COVID-19 environment is unpredictable. However, many concepts related to getting our children ready for school remain the same. Let’s take a look at the back to school (BTS) process for Fall 2020.

The BTS process is a challenging and essential undertaking that we go through every year. As parents, we plan and prepare for the new school year and wean ourselves off vacation mode along with our kids. We return to our school year schedules and create new routines and habits.

Since mid-March, our lives have been consumed by the pandemic and we are living a new normal. We are learning to live with uncertainty and have worked to turn adverse situations into opportunities.

Priorities and New Issues During These Times

This year, the #1 priority for parents, the government, and school administrators is keeping students and staff safe and the COVID-19 virus from spreading.  The #2 priority is helping our children navigate the complex emotions they face about returning to school.  The Novel Coronavirus has produced high levels of uncertainty that we have never faced before.

In normal times, pre-pandemic, there was a certain amount of anxiety, stress, or trepidation that children experienced about returning to school, starting a new grade, a new division, or a new yeshiva.  During the pandemic, there are a host of additional issues to address and questions to answer for children and parents:

Will parents be able to go back to work?

How will my children get to and from school?

Will our kids be learning remotely or in person?

What will the classrooms look like? Will there be sufficient spacing?

Will the children have to wear face coverings all day?

Will all our kids’ classmates or friends be there?

Where will the students eat lunch?

Since all learning was remote for the last four months of the prior school year, some children may have struggled with virtual learning, fallen behind in their studies, craved the physical connection with other students, and now feel apprehensive about returning to school.

Our job as parents is to be able to reassure our children, respond to questions, and initiate a conversation to tap into how they are feeling about the new school year.

Allow me to provide some hizuk, encouragement.  If you have been a parent for a number of years, you have been fine tuning your parenting skills. Please draw upon the stored resilience and experience you already have.

Please remember that we are not the only ones whose lives have been turned upside down. Our children are our heroes too!  They could not play with friends or see their teachers, and they missed that vital physical and social connection that they experience in school.

Tips for Getting Ready for This School Year

Below are guideposts for you to review and use that hopefully will pave the way for a smoother BTS experience.

 Prepare for the Transition – This year’s planning includes lots of contingencies, but as parents we need to provide focus, direction, and structure for our kids.

Ease your children and yourselves into waking up and going to bed earlier before it is time for your kids to go back to school.  We all need to adjust to our new timetables and being well rested will support the entire family in getting back into the groove of school.  Are you all set with school requirements for supplies, uniforms, and gear?

Stay Updated and Educated – If ever there was a time to stay well-informed, it is now. Researchers continue to learn more about the Novel Coronavirus. Stay educated about COVID-19 by consulting state and CDC guidelines and teaching your children how they can be in control by washing their hands, wearing face coverings, and keeping socially distant.  You can ask for tips from your children’s pediatrician, school principals, and guidance counselors.

The NYC Department of Education has chosen a “blended learning” model for the fall, involving a combination of in-person and distance learning.  Most students will attend in-person classes two or three days a week and learn online the other days.  Social distancing and face coverings will be required, along with hand washing stations and new cleaning protocols.  Families will have the option to choose all-remote learning, for any reason.

Most of our yeshivot prepared reopening plans for different scenarios based on the current health situation and in accordance with the statutory guidelines.  The American Academy of Pediatrics recommended that “school policies be flexible and nimble in responding to new information, and administrators must be willing to refine approaches when specific policies are not working.”

If the number of COVID-19 cases remains low, most yeshivot will likely follow either a full-time in-person schedule or a blended hybrid model of virtual and in-person learning.  In-person learning can be based on a cohort model. Students are divided into cohorts or groups that remain together throughout the day.

Some schools are offering five days of in-person learning and others are offering three or four days of in-person with the other one or two days virtual. Reopening plans may also include a phased in approach, building up over several weeks to four or five days of in-person learning.

Plans include protocols created by medical experts and will require collaboration between the school, the students, and the parents to succeed. Procedures must be strictly followed if a child gets sick in school (parents must be vigilant about not sending children who do not feel well to school). Examples of other requirements are:  Nurses will be on sight, a screening of students will take place upon arrival at school, there will be fewer students in each classroom appropriately distant from each other and wearing face coverings, plexiglass barriers may separate students from each other and students from the teacher, staggered lunch periods, no socializing near lockers, and more.

The common objectives of school reopening plans are to ensure the safety and health of the students and staff and uphold the schools’ core educational standards and values.

We also have to be prepared for the possibility of an uptick in COVID-19 cases, which would mean our children would be sent home for five days of virtual learning.

 Listen and Validate – Practice active listening and validate your children’s feelings, fears, and anxieties.  Listening has become a lost art. Listen to what they are saying and perhaps not saying (their unspoken feelings). Help them articulate their emotions. If your children do not ask questions about COVID-19, you can start the conversation.  Allow them to talk about their worries and really listen and address those worries before school starts.  Inquire about their expectations for the new year. Yes, there are lots of questions that you do not have answers to.  Be patient, be honest, and help them feel safe.  For example, when talking to young children, you can say, “it’s normal to feel sad or scared.”

Be truthful but make sure your responses are age appropriate.  Be mindful about over-sharing.  Limit your children’s screen time and exposure to media.  Be calm when you talk about the pandemic.  Kids are smart and can read our facial expressions and tone of voice.

 Be a Positive Role Model – Being positive and practicing gratitude are tools that are even more important than usual in response to the pandemic.  Be mindful of modeling an optimistic approach with your children.

Our kids take their cues from Mom and Dad.  If you are stressed or appear anxious or frightened, the kids will pick up on it.  Communicate hope and be confident but avoid making promises you cannot keep.

Take a few minutes and ask your children to list three things that they are grateful for in the morning or evening.  You can do it as a family at breakfast or dinner.  The kids will be surprised about how many good things they still have in their lives and so will you!

Practice Flexibility and Resilience – Other key principles in our parenting toolbox include resilience and flexibility.  As parents, we need to practice self-care and put on our own oxygen masks first. If we get overwhelmed and burnt out, we will not be there for our families.

Flexibility is one of the fundamental rules of positive parenting.  Do not get stuck on ‘musts’ and ‘shoulds.’ If something is not working do not be afraid to change it.

Children learn a lot from their parents’ resilience, mainly when they see how their mothers and fathers tackle adversity and uncertainty.

It is so important to apply calmness, kindness, and consistency in responding to our children’s fears, particularly in these uncertain times.

The future is uncertain. What is certain is that, bezrat Hashem, our children will be learning once the school year begins, albeit in circumstances that cause significant challenges for all of us. Focus on the positive with your kids, and remind them that everything, including what will be with school and COVID-19, is in Gd’s hands.

 

Ellen Geller Kamaras, CPA/MBA, is an International Coach Federation (ICF) Associate Certified Coach. Ellen works part-time as an entitlement specialist at Ohel Children’s Home and Family Services. She can be contacted at ellen@lifecoachellen.com (www.lifecoachellen.com).

Dear Jido – September 2020

Dear Jido,

My newly widowed sister-in-law says she doesn’t want to come to us for the holidays this year due to her fear of COVID-19. We do not know what to do. We are not sure if she’s being honest and really just wants to be alone – or if we should insist that she join us.

Would it be considered disrespectful if we continue to invite her? She doesn’t have anywhere else to go to for the holidays. How can we make her realize that we really want and enjoy her company without making her feel bad if she really doesn’t want to come?

Signed,

Distancing Socially

Dear Concerned-In-Law,

Firstly, your sister-in-law must be made to understand that what you are offering is a sincere invitation because you enjoy her company and want her to continue to feel part of the extended family, not just because you feel sorry for her/your loss. Losing a spouse, or any family member, especially so soon before the holidays, can be devastating and disorienting; knowing that she has people who love her and welcome her is both comforting and uplifting.

She is not alone in her concern about a possible “second wave” of Covid infections. Many community leaders are cautioning us about letting down our guard too quickly. For this reason, her refusal might be consistent with her overall behavior irrespective of her new status. From that standpoint, you must accept her desires and see if there are other ways to “embrace” her. Perhaps, sharing some of your prepared foods or sending a special gift will make her feel that, circumstances aside, she always has a place at your table.

You might also be able to assure her that you will take all necessary precautions to make sure she is able to socially distance herself from other family members while still sharing in the holiday spirit.

These are strange times. Pesach was different for everyone. Let us hope that the New Year will bring an end to this magefah and that we will all be written for a year of health and happiness.

Tizku leshanim rabot.

Jido

 

 

The Lighter Side – August 2020

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

The Chicken Coup

A woman walked into a store and requested a chicken. The butcher, who only had one bird left, didn’t want the woman to think that she was getting leftover stock, so he reached into his ice box and pulled out the lone chicken without letting on that it was the last one.

“That one is too skinny, do you have one a little larger?” she asked.

“Of course” said the butcher. He took the chicken behind the counter, away from view, and made a lot of noise rolling it around the ice as if he were searching for just the right chicken. He then pulled out the same chicken and showed it to her.

“Better,” she said. “Do you have one that’s a little prettier?”

The butcher took the chicken, rolled it in the ice again and offered it up a third time.

“Great,” the woman said. Relieved and proud of his clever ploy, the butcher was about to wrap the bird up for the lady when she said – “I’ll take all three.”

David D.

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.

Domestic Vehicles

A new government study has found that the average American car now weighs 300 pounds more than it did ten years ago. However, this is only true, if the average American is sitting in the car.

Ezra H.

Medicine in the Military

I didn’t enlist in the Army – I was drafted. So I wasn’t going to make life easy for anyone. During my physical, the doctor asked softly, “Can you read the letters on the wall?”

“What letters?” I answered slyly.

“Good,” said the doctor. “You passed the hearing test.”

Albert N.

Auto Theft

An elderly Florida woman called 911 on her cell phone to report that her car had been broken into. Hysterical, she explained her situation to the dispatcher: “They’ve stolen the stereo, the steering wheel, the brake pedal, and even the accelerator!” she cried. The dispatcher said, “Stay calm. An officer is on the way.” A few minutes later, the officer on the scene radios in. “Disregard,” he says. “She got in the backseat by mistake.”

Ellen Z.

Exercise Visualization

A woman needed encouragement to keep pedaling the exercise bike at her gym. So my friend, the gym manager, said, “Close your eyes and imagine you are riding along Broadway in New York City – it will be more interesting.”

Inspired, the woman cycled on, but after a minute she stopped.

“What’s wrong?” asked my friend.

She replied, “The traffic light is red.”

Ralph T.

The Cookie Crime

A very troublesome eight-year-old boy was caught by his teacher stealing a bag of cookies from the cafeteria. His mother was called to school and the boy was brought before the principal.

“What did you steal?” asked the principal.

“A bag of cookies” the boy replied.

“How many cookies were in the bag?” the principal inquired.

“Three,” the boy said.

“Fine, so for the next three days you will stay in detention for two hours after school instead of going home,” the principal decided.

Just then, the boy’s mother spoke up and asked if she could say something.

“Yes, what is it?” the principal asked.

The mother said, “He also stole a bag of M&Ms.”

Raymond S.

Watermelon Wars

The local kids would sneak into Farmer Fred’s watermelon patch at night, and eat their fill of watermelons. One day, Farmer Fred came up with a way to discourage this money-losing situation. He put up a sign that read: “Warning! One of these watermelons has been poisoned!” He smiled smugly as he watched the kids run off that night without eating any of his melons. But when Fred returned to the watermelon patch the next day, although he found that none of the watermelons had been eaten, he did find a surprise. Next to the sign he had put up, was another sign that read: “Now there are two!”

Carol L.

Picture This

An amateur photographer was invited to dinner with friends and took along a few pictures to show the hostess. She looked at the photos and commented, “These are very good. You must have a good camera.”

A short time later, when the guests finished the meal, the photographer complimented the hostess saying, “That was a delicious meal. You must have some very good pots.”

Sari A.

Supermarket Sass

I was in the express line at the store, quietly fuming. Completely ignoring the sign, the woman ahead of me had slipped into the checkout line pushing a cart piled high with groceries. Then, the cashier beckoned the woman to come forward, looked into the cart and asked sweetly, “So, which six item would you like to buy?”

Lauren E.

College Currency

Stanley: “I don’t like to brag, but I am putting two kids through college.”

Bob: “Really? I didn’t even know you had one kid, let alone two!”

Stanley: “I don’t – they both belong to my auto mechanic.”

Abe C.

Legal Eyesight

Irving, an 84-year-old man, was a witness in a burglary trial. The defense lawyer asked Irving, “Did you actually see my client commit this burglary?”

“Yes,” said Irving, “I plainly saw him take the goods.”

The lawyer asked again, “Irving, this happened at night. Are you sure you saw my client commit this crime?”

“Yes,” said Irving, “I saw him do it.”

Then the lawyer asked, “Irving, we all know that you are 84 years old, and at your age your eyesight is probably failing. Just how far can you see at night?”

Irving replied, “I can see the moon – how far is that?”

Joe L.

The Special Pie

Wanting to make a good impression on her new boss, Jennifer brought in a homemade apple pie. When the boss got home, he cut a piece and took a bite. It was so horrible that he immediately spit it out and threw the rest in the garbage. The next day Jennifer asked her boss how he liked the pie. Thinking fast, he replied, “A pie like that doesn’t last very long around my house!”

Jack V. Grazi

The Case – Scrambling For Camping

Jack operates a large summer camp that services his community annually. After collecting deposits from many applicants for the summer of 2020, he needed to cancel the camp’s opening because of the COVID-19 pandemic. Although it was perhaps legal for him to open as scheduled, nevertheless, the restrictions imposed by the state with regard to the number of campers allowed and various other regulations made it nearly impossible for him to operate at a profit. Furthermore, Jack was concerned for the safety of his campers, and opening the camp would seemingly jeopardize the wellbeing of all involved. Upon cancellation, the parents requested their deposit money in return. Many applicants were disappointed with Jack’s decision not to open and were scrambling to find other options for their children’s summer vacation and needed the funds to apply elsewhere. Jack turned to our Bet Din for guidance and instruction. Is Jack required to return the deposits? How should the Bet Din rule and why?

An Important Notification

Due to the current COVID-19 crisis, many financial disputes have emerged and are presently being settled by qualified rabbinical courts around the globe. It is important for parties in dispute to submit their respective claims to competent halachic authorities. The laws governing a pandemic are detailed and complex, and only an experienced Bet Din with a broad knowledge of monetary law can rule accurately. The following article highlights only some of the research done for this case, as part of the information is too intricate to record and is beyond the scope of this article. Since no two cases are the same, it is not recommended to apply this ruling even to a similar case, as often minor details can substantially sway the outcome of a decision. Nevertheless, it is valuable for us to study the laws of the Torah and acquire a basic understanding of monetary laws that apply to a pandemic.

Torah Law

According to the ruling of the Shulhan Aruch, a transfer of funds from a buyer to a seller constitutes a valid transaction. Such a transaction can potentially require both parties to fulfill the remaining terms of their contractual agreement. Hence, even prior to the actual shipping of merchandise, or the start of employment, the transfer of funds creates a relationship between two parties. As per reneging on a sale after funds were transferred, a severe chastising is imposed by a Bet Din on such an individual. For further details on this topic, one is to contact a competent halachic authority, as such information is beyond the scope of this article.

The above ruling is applicable to all standard forms of payment. If, however, the payment provided was in the form of a registration fee or the like, the law differs. Since payment of a registration fee is merely to secure a spot, it does not constitute a transaction that binds the parties to perform as per their agreement. Hence, if either party elects to back out of a deal, the deposit or registration fee is either forfeited or returned. In short, when a party reneges after a registration fee was already paid, the only exposure is the refunding or forfeiting of the money transferred.

Hence, according to Torah law it is irrelevant whether a camp does not open because of a nationwide disaster like a pandemic, or because of a financial decision. In both instances the registration fee is required to be refunded to the parents. As mentioned, the deposit was transferred by the parents to secure a spot for their child in camp. Once camp is cancelled and the spot is unavailable all monies must be refunded.

A Bet Din will at times formulate a payment plan for debtors to reimburse creditors in an efficient and reasonable manner. Quite often a debtor simply does not have the financial stability to pay back the money owed, and in order to enable payment a payout plan is required. Nevertheless, the debtor is not entitled to determine the terms of payment, nor may he demand that the money he owes serve as a credit for camp enrollment for next year.

In instances in which the money collected was rightfully used for preliminary camp expenses, the above ruling may differ. A separate hearing and ruling are necessary to resolve such matters.

Needless to say, parents are entitled to a refund of their deposit even if they are not in need of the money. Torah law makes no distinction between the rich or poor when ruling on a monetary dispute.

By contrast, there are times when one is liable for damages beyond the forfeit of a deposit. If, for instance, a party secures a spot in a camp and subsequently backs out at the last minute, the camp is entitled to payment to offset their loss. A Bet Din will first verify that the camp originally had other potential campers that they turned away, and that presently a replacement camper is not available, before imposing payment for the loss incurred.

 

VERDICT: Refundable

Our Bet Din instructed Jack the camp owner to refund all money he collected in March. Since the money paid by the parents was to reserve a spot for the upcoming camp season, they are entitled to a complete refund upon Jack’s cancellation. Regardless of whether Jack cancelled because of pandemic restrictions or due to personal financial considerations, he is required to return the funds. Jack was aware early on that the pandemic could possibly force camp to remain closed and he wisely chose not to carelessly use the money collected. Although Jack suggested that the funds serve as a credit for next year, our Bet Din rejected his proposal. While this ruling somewhat put Jack in an uncomfortable financial position, it nevertheless represented Torah law. In the long run Jack will benefit from complying with this ruling, as he will gain the confidence and trust of the parent body he yearly services. Maintaining a good reputation is clearly more valuable than unearned money.

YOU BE THE JUDGE

But You Gave Your Word

Steve and Jennifer were actively pursuing the purchase of Sam’s home for nearly a year. Sam owned a desirable property and was clearly holding out to get his price. Eventually, Steve and Jennifer conceded to pay Sam’s price and in late February they shook hands and verbally committed to the deal. While the lawyers were preparing the final draft of the contract for the sale, the coronavirus spread throughout the Tri-State area. As soon as the couple internalized the potential financial effects of the pandemic, they notified Sam that they were reneging on their word to buy his property. Sam was flabbergasted by the turn of events. In Bet Din, he presented a list of three buyers that he turned away after Steve and Jennifer agreed to the deal. Sam claimed that these buyers were no longer available, and that one buyer already closed on another property. Steve and Jennifer expressed their potential financial hardships and were unwilling to commit to the purchase even at a lower price.

Are Steve and Jennifer required to keep their word and purchase the property? Is Sam entitled to compensation for his loss? How should the Bet Din rule and why?

Riddles – August 2020

SUBMITTED BY ISAAC P.

Can you arrange the letters in the four odd phrases below to reveal the names of U.S. states? Ignore the spaces – they’re only there to confuse you!
COOL ROAD
A FRAIL COIN
SAW NOTHING
IN NAVY PLANES

Last Month’s Riddle: Clothing Code
A new clothing store just opened. The owner has devised his own method of pricing items. A vest costs $20, socks cost $25, a tie costs $15, and a blouse costs $30. Using the owner’s method, how much would a pair of pajamas cost?

Solution: The pricing method consists of charging $5 for each letter required to spell the item. So, a pair of pajamas would cost $35.

Solved by: The Mizrahi Family, Oma G., Esther Guindi, Ruthy Jradeh, Rachel Jradeh, Henry Jradeh, Jinstein Jradeh, The Shmulster, Maureen E., and Big Mike.

 

Junior Riddle: Wordplay

SUBMITTED BY KAREN C.

You know that one comes before two, but where does two come before three, and four come before six?

Last month’s Junior Riddle: The Invisible Apple
There are 20 people in an empty, square room. Each person has full sight of the entire room and everyone in it – without turning his head or body, or moving in any way (other than the eyes). Where can you place an apple so that all but one person can see it?

Solution: Place the apple on one person’s head.

Solved by: Hailey and Abby G., Esther Guindi, Ruthy Jradeh, Rachel Jradeh, Henry Jradeh, Jinstein Jradeh, Jackie M., and Big Mike.