Is it possible for a person to feel completely calm and serene while not knowing what to expect from one minute to the next?
The answer is an enthusiastic yes!
Strategic Thinking
Over the past few months we have ALL been living in a state of not knowing what is to come. The underlying difference between people who have maintained their emotional wellness and those who have “seemed” to have lost it ( I strategically write “seemed” because emotional health never actually leaves us) is rooted in people’s different ways of thinking. If you fall into the category of those who have seemed to have lost it, you can rest assured that you are always just one thought away from getting back to the state of security and happiness that all people are born with.
When a person is aware that feeling uncomfortable is simply part of the human experience, they become less judgmental of themselves, and just allow the feeling to pass through them. If we allow feelings to pass (which they always naturally do), then they don’t have to get stuck and spill out in other areas of life.
Brain #1 and Brain #2
Here’s a sneak peek into the brain of a person who is unaware of their emotional wellness, which they were born with and never left them.
Brain #1: “All this uncertainty is so hard for me. I wish I knew exactly how the school year would look so I can plan my life better. This is so uncomfortable. (True)
I can’t live this way anymore. (False)
In order to live passionately like I always wanted to, I need the circumstances in my life to change.” (False)
This type of thinking can become habitual, which by the way is not a problem! But did you know that unhelpful habitual thought is not what creates a distressed quality of life? It’s simply ENGAGING with those unhelpful thoughts that can lead a person to major distress and despair. So, if your brain has thoughts like the ones mentioned above, your homework here is to increase your awareness that they are just thoughts, and thoughts can’t harm us.
In contrast, here’s a sneak peek into the brain of a person experiencing emotional freedom amidst uncertainty:
Thinking That Allows Emotional Freedom
Brain #2: “All this uncertainty is so hard for me. I wish I knew exactly how the school year would look so I can plan my life better. This is so uncomfortable. It’s okay to have these uncomfortable strong feelings. Actually, it’s such a normal, healthy part of being human. Just as a shot hurts skin with healthy nerve endings, a challenging life experience creates emotional discomfort. I’m so grateful to be healthy. It’s so nice to know that I am one hundred percent okay one hundred percent of the time, even when I am in extreme discomfort. One hundred percent okay just means that no matter what challenge comes my way in life, Hashem already gave me the tools I need to embrace it. Ahhhh – that feels so peaceful. Uncomfortable and peaceful.”
So next time you’d like to move from the thoughts of Brain #1 to those of Brain #2, remind yourself that you can only think one thought at a time, and you get to choose which thought to focus on!
A Look at a Few Universal Truths About All Human Beings
All people are born emotionally well, with the default settings of happiness, security, and resilience. Nobody has to teach babies how to smile, how to be satisfied with their nutrition, or how to get up again if they tumble.
All people have a full range of feelings, including all the uncomfortable ones such as sadness, frustration, and disappointment.
All people form beliefs about these feelings at some point in life. Beliefs can range from:
True – “It’s so normal to experience intense feelings.” to
False – “Maybe something is wrong with me when I have intense feelings.” to
False – “It’s terrible to experience extremely uncomfortable feelings, and I must do something to stop this.”
Cobblers, crisps, crumbles; they’re all the same, right? Actually, while they’re all baked desserts made with fruit, there are distinctions between the three. Cobblers have a biscuit topping which resembles a cobbled road, and so it was named accordingly. Though crisps and crumbles both have a streusel-like topping, they have but one difference. Crisps contain oats which tend to crisp up the crumbly topping, while crumbles do not. Whatever you call it, warm fruit with any sort of pastry dough is delectable. Add a scoop of vanilla ice cream and it’s irresistible!
8 servings
Apple Filling:
1 tbsp cinnamon
¼ cup sugar
6 apples
Topping:
½ cup flour
½ cup oats
¾ cup sugar
1 tsp pure vanilla extract
¼ cup canola oil
1 egg
1 half pint vanilla ice cream
Photo by Adina Yaakov
Preheat oven to 350 degrees Fahrenheit.
Peel and slice apples. Add cinnamon and sugar and toss gently in a large bowl. Evenly place apples in ramekins.
Mix flour and sugar together. Add egg, vanilla, and oil and mix well.
Divide dough into eight parts and roll into balls. Gently flatten dough by hand and place on top of each apple-filled ramekin. Bake uncovered for 30 minutes at 350 degrees Fahrenheit.
Serve warm with a scoop of vanilla ice cream.
Recipe, Photo, and Styling By Adina Yaakov, Dietetic Intern and Recipe Developer For more recipes follow @OnceUponAThyme__ on Instagram NEW! Find more recipes on www.OnceUponaThyme.co
Throughout this long, tumultuous exile, numerous predictions and speculations have been made regarding the date of Mashiah’s long-awaited arrival – a number of which are even attributed to some of our nation’s most illustrious sages. These dates, of course, came and went without the appearance of Mashiah, leaving us wondering how these great luminaries could have erred, and still contemplating when the redemption will truly unfold. This installment will analyze the words of our sages regarding the time of Mashiah’s arrival, and seek to explain why their forecasts went unfulfilled.
The Great Secret
The prophets clearly state that the date of Mashiah’s arrival is something that Hashem has concealed from even the highest-ranking angels in the heavens.[i] However, our sages teach that there were exceptions to this rule, and this secret was known to a select few sadikim.
The first person who is said to have known the time of Mashiah’s arrival was our righteous patriarch Yaakov, who, the Midrash tells, sought to reveal this information to his children on his deathbed, until Hashem prevented him from doing so.[ii] The Vilna Gaon zs”l commented[iii] that Abraham, Yizhak, and Moshe Rabenu also knew this secret. Some say that Yosef had access to this information, as well.[iv] It is generally assumed that the date was revealed to the prophet Daniel, as alluded to in the Book of Daniel.[v] According to some commentators[vi], however, Daniel received only veiled allusions and was unable to infer the exact date from these obscure references.
The Prophecies of Daniel
There is considerable confusion surrounding the redemption prophecies in the Book of Daniel. Cryptic hints of the date of Mashiah’s arrival appear in a number of places, with a different date appearing to emerge in each context. Many early commentators, including Rashi, the Rambam, the Ramban, and Malbim, attempted to reconcile the different passages and deduce when Mashiah will arrive. Different commentators reached different conclusions – and all the dates mentioned have long since passed uneventfully (see sidebar).
Adding to the confusion are comments in the Talmud[vii] which, based on verses from the Prophets, sternly warn against predicting the arrival of Mashiah. The Talmud goes so far as to say that such activity borders on heresy, and that people who engage in these predictions are deserving of death and forfeit their share in the next world. Assigning a specific time to Mashiah’s arrival undermines the fundamental belief in the possibility of his arrival at any day, at the very moment we are deemed worthy. Furthermore, the disappointment of an unfulfilled prediction runs the risk of breaking people’s faith in Mashiah’s arrival altogether.[viii]
How, then, did the aforementioned commentators make attempts to determine the date of Mashiah’s arrival, seemingly in direct violation of our hachamim’s warning?
The Last and Final Date
Previously, in Part II of this series, we distinguished between the two times at which Mashiah could arrive. Although there is a final “deadline” by which he must come to redeem us, he could potentially arrive at any time, once the Jews are worthy of redemption.
This premise sheds light on the prophecies in Daniel concerning the date of Mashiah’s arrival. Daniel was not told when Mashiah would actually arrive. Rather, he received Gd’s guarantee that even if, Heaven forbid, the Jews would never be worthy of redemption, Mashiah will nevertheless come by a certain time. Accordingly, those commentaries who assigned dates to Mashiah’s arrival referred to the final time by which Mashiah must come; the sages did not imply that Mashiah cannot come earlier.[ix]
The Possible Dates
As for the conflicting times proposed by the various commentators for Mashiah’s arrival – dates which have already passed – it would seem that the sages did not present their interpretations as the exclusive reading of the prophecies in question, or claim that Mashiah would definitely arrive by that time. Rather, these writers explained the difficult prophetic passages in the manner that appeared most plausible to them, while accepting the possibility that other valid interpretations may also exist. A number of commentators said so explicitly while presenting their explanations[x], and others remarked that they would have accepted other interpretations if the dates yielded by those readings had not already passed.[xi] Interestingly enough, Daniel himself was told that many will try, unsuccessfully, to deduce the time of Mashiah’s arrival from his prophecy.[xii]
Times of Great Potential
Other writers[xiii] add that all the possible dates deduced from Daniel’s prophecies by the early scholars were actually times of rasson, occasions that were especially propitious for Mashiah. Had the Jews in those times seized the opportunity, they could have ushered in the Messianic era and established that time as the correct interpretation of the prophecy. Indeed, the Ramban[xiv] writes that Daniel’s prophecy was intentionally formulated in a way that lends itself to different interpretations, and the Jews of each generation could potentially merit Mashiah’s arrival by proving themselves worthy. But if the Jews squander these opportunities for redemption, they are held accountable for this failure, and these occasions, which had the potential for redemption, become periods of great suffering and sorrow. (See sidebar.)
6000 – The Final “Deadline”?
Many scholars have written that Mashiah’s arrival is guaranteed to occur by the Jewish year 6000.[xv] This theory originates from the Talmud’s comment, “Our world spans a period of 6,000 years – two thousand years of tohu (chaos), two thousand years of Torah, and two thousand years of the Days of Mashiah” (Sanhedrin 97a). Many commentaries explain[xvi] this to mean that Mashiah will arrive at some point within the final two thousand years. Mashiah’s arrival is thus guaranteed to occur by the year 6000, an opinion widely accepted by most of our sages.
Other commentaries[xvii], however, follow the literal meaning of the Talmud’s comment, explaining that the last two thousand years referred to in the Talmud are of the Messianic Era which will span two millennia. According to this reading, the Talmud makes no reference to a guaranteed time by which Mashiah will arrive and the years we are currently in are not mentioned in this Talmudic statement.
Repentance Before Redemption
There is considerable discussion among our hachamim as to whether the final redemption hinges upon the Jews’ repentance, or if it will occur at the designated time regardless of our spiritual condition. It is commonly assumed that Hashem will send Mashiah at the designated time regardless of the Jewish people’s worthiness, as indicated in the first blessing of the amida prayer: “Umevi go’el livneh venehem lema’an shemo be’ahavah – and He brings the redeemer for their (our forefathers’) children’s children for His Name’s sake, with love.” It appears from this passage that Hashem will send Mashiah for His Name’s sake and out of sincere love for His people, even if we are not worthy.[xviii] However, the more accepted opinion among the commentators is that Gd will not send forth a redeemer if the Jews are undeserving of redemption. If the final time for redemption arrives and the Jews are still unworthy, Hashem will cause them to repent through affliction and suffering, so they could earn the Messianic era. This resembles the events of Purim, when Haman’s edict inspired the Jews of the time to sincerely repent and return to Torah observance, thereby becoming worthy of Hashem’s salvation and, ultimately, the rebuilding of the Bet Hamikdash.[xix]
The Opportunity of the Century
Earlier, we mentioned the concept of a time of rasson, an opportunity for Mashiah that the Jewish people can choose to either seize or squander. Our century provides such an opportunity ,as our gedolim (Jewish leaders) have told us. In light of the recent gathering of much of world Jewry to Israel and the rebuilding of our country, along with the fulfillment of the many other signs predicted for the pre-Messianic times, the period appears to be a time of rasson. Unfortunately, it seems, thus far, that this opportunity has yet to be fully recognized and executed by our people.
The Balfour Declaration issued by Great Britain in 1917 proclaimed the Jews’ right to a homeland in Palestine, a promise ratified by the United Nations in 1948. These were both very dramatic events that were met with great excitement and enthusiasm by world Jewry – specifically the State’s establishment, which followed the horrors of WWII and the Holocaust. Many great gedolim who lived at the time of these events, including the Hafess Haim, the Hazon Ish, and Rav Yizhak Zev Soloveitchik (the Brisker Rav), viewed them as the first stirrings of redemption and felt that Mashiah’s arrival was imminent. These feelings were expressed publicly and put into writing. Yet, almost a full century after the Balfour Declaration, we see that clearly the time of Mashiah did not coincide with establishment of the State of Israel. What happened to the predictions of the gedolim? Why did the restoration of Jewish sovereignty in Eress Yisrael not lead to the Messianic era as these sages had anticipated? These questions have troubled many scholars, and entire books have been written in an attempt to answer them and explain the events of the last century.
The general approach taken by our hachamim[xx] is that whenever something of such spiritual magnitude appears on the horizon, the Satan does all it can to prevent its realization. In this case, Satan triumphed by orchestrating that those in power take a secularist approach to the State of Israel. Instead of promoting Jewish life in Eress Yisrael, many Zionist pioneers actually repressed it. And although there were a handful of leaders in the early days of the State who were loyal to the Jewish faith, it was specifically the Secularists – rather than the Torah observant community – who were recognized by the world as the official representatives of world Jewry.
Once the process of statehood fell into the hands of the Secularists, they attempted to build the country on a foundation which would have as little as possible to do with traditional Torah Judaism. Though not widely known or talked about, it is well documented that in the early years of the State, vehemently secular elements in the government carried out horrendous crimes against religious Jews – particularly those arriving from Middle Eastern and North African countries. These crimes included forcibly indoctrinating children from religious families with secular Zionism and even kidnap, as hundreds of Yemenite children were either sold or placed with secular families. Perpetrators of these crimes are believed to have rationalized their actions as nationalistic efforts to obliterate “old fashioned” Torah observance from the fledgling country.
The decidedly secular character of the early state is clearly a contravention of how Jewish sovereignty of the Land of Israel should be built as a preparation for Mashiah; and so the time of rasson – the opportunity for redemption in the twentieth century – was squandered.
Still, the opportunity to bring Mashiah is in our hands today more than ever. The Hafess Haim[xxi] has written that the stirrings of Mashiah have already begun, and if the Jewish Nation undergoes even a small, yet sincere and wholehearted, process of repentance, this would suffice for us to earn Mashiah’s immediate arrival. Torah educated Jews know that Mashiah’s arrival can be ushered in at any time by renewing and reinvigorating our commitment to Hashem and his Torah.
May we all do our share to bring about this change in ourselves and in the general establishment of Eress Yisrael, ensuring that we and all Jews live in accordance with Torah law and values, so that we may hasten the coming of Mashiah speedily and in our days, Amen.
Rabbi
Jewish Date
Corresponding English Date
World Events During that Year
Rambam (Rabbi Moshe ben Maimon 1135-1204)
4972
1212
undocumented
Rashi (Rabbi Shlomo Yizhaki 1040-1105)
5122-5167
Between 1354-1399
undocumented
Ramban (Rabbi Moshe Nachmanidies 1194-1270)
5118
1358
undocumented
Sefer Kets Hapelaot (Rabbi Chaim Yeshayah Halbersberg)
5408
1648
Polish Cossack massacres began.
Many hachamim’s interpretation of the Zohar, and as stated by the Ohr Hahayim (Rabbi Haim Ibn Attar 1696-1743)
5600
1840
Secrets of Kabbalah were revealed, and the Industrial Revolution began.
Sefer Arve Nachal (Rabbi David Shlomo Lipshits 1855-1913)
5620
1860
undocumented
Malbim (Rabbi Meir Leibush 1809-1879)
5673
1913
Start of WWI
Sefer Masa Ba’erev
5727
1967
Israeli Six Day War
Sefer Hatekufah Hagedolah
5750
1990
Saddam Hussein declared his desire to destroy Israel.
Next Issue: The Wars of Gog Umagog and Mashiah’s eventful arrival
The M&S Softball League is about midway through the 2020 season and the playoff picture is starting to get clearer. Almost all seven teams feel they have what it takes to hoist the M&S Cup this season and things are starting to get really interesting!
Who to Watch
At the top of the standing is WWG1WGA – run by Teddy Ishak and Sammy Esses – who started the season pushing all the right buttons and are an impressive 6-2. This team is extremely talented. Anchored by a star-studded outfield featuring former league MVP Michael Cohen, Aharon Cohen, and break out star Alan Jemal. The team also features a rock solid infield manned by Sammy Esses, TI, stud Yanky Gutman, and David Harary. But this team does have some question marks come playoff time. As currently constituted, this team throws out two starting pitchers on game day. Yaakob Seruya starts the first game and then hands the ball to the rising young gun Eddie Harari for the second game. Will they keep up the two-headed monster approach?
Now here is where it gets interesting. Currently there is a tie for 2nd place at 5-3.
Spindrift, led by Steven J Gindi, is a team built on discipline and fundamentals. Spindrift is paced by the SJG and Joe S combo, but Joey Cohen on the mound has been the story of that team. In his first year in the league, Joey is pitching like a battle-tested veteran. Joey is, of course, the son of softball legend Abe Cohen, and was taken with a premium pick in the 2020 draft.
Two-time reigning Cy Young Max Yedid leads the G.O.A.T. organization, which features star shortstop Jon Eliezer and a great supporting cast, such as 2019 batting champ Nathan Kushner, Juber, and Butchy Cohen. The one question mark is the team’s back end of the lineup, but so far so good, they have been producing and have been clutch.
At 4-4, the Punishers, led by captain extraordinaire Michael Melech Solomon, are feeling good about themselves. After starting the season in a hole, they have dug their way out and have been enjoying great pitching by Ralph Hanan paired with slugging by Saul Cohen, Archie Eichorn, and Shimi Cohen. This team plays with confidence and is extremely dangerous. The one bugaboo with this squad is they are not fleet of foot, which can be a problem come playoff time.
Anything Is Possible! Watch for These Teams, Too
Currently 5th in the standings, Michael Sabon Salomon’s Supreme has a record of 3-3 due to an unbalanced schedule. It’s way too early to make any assessments but any team with Abe Saka on the mound will be in the heart of the chase for the cup. Supreme’s deep lineup makes them dangerous. Featured players are Natan Safdieh in CF, reigning MVP JoJo Seruya at SS, along with a strong supporting cast.
Currently at 2-6 Jimmy Malack’s Fauda are scoreboard watching. This team on paper was one of the preseason favorites. A lineup featuring first ballot hall of famer Allie Marshal, Five Towns legend Yanky Itzkowits, Jimmy, and more. Unfortunately, this team has not played crisp ball but if they finish out strong, anything is possible.
In the cellar the Joe Greenberg-led Blue Moon is 1-5 and has been playing without Joe, who injured himself early on. This team has talent. Zack Ashkenazi dominates the shortstop position, Ike Mavorah continues to mash, and Mokass is playing an exceptional right field. The injury to Joe has hampered the team, but Greeny will be back as soon as next week just in time for the stretch run.
League Sponsors
M&S would like to acknowledge their league sponsors, The Sephardic Food Fund, who does amazing things on a daily basis, and American Friends of Ariel University.
M&S now in its 13th year is firing on all cylinders. Each game is streamed live on Youtube. You can also catch all the highlights via their extremely popular Instagram @MandS_Baseball and website www.MandSBaseball.com.
The Shomer Emunim (Vol. 1) revealed a secret in the name of the great mekubal Rav Tzvi Aryeh of Alik.
There was once a gathering in Heaven of all souls who had already gone through this world numerous times. Nevertheless, they had yet achieved their tikkun (rectification) to be granted their position in Olam Haba. These souls asked Hashem, “What else can we do? Please give us another chance!” Hashem responded, “When it comes time for the final generation before Mashiah, all of you will be sent back to the world and will have one final opportunity. You will face many tests, especially in emunah, and My Presence will be hidden. If during that time you can retain your emunah and believe that I am behind everything that happens, that will be your ultimate tikkun.”
Our rabbis tell us that we are those souls, and this is the final generation. We live in a world that does not recognize Hashem. We see things that don’t make sense. We hear of tragedies, lo aleinu, of people dying young, of so much suffering. We want to ask why. However, it is all part of Hashem’s Master Plan, with the single goal of bringing everyone to fulfill their ultimate purpose – to live forever with Him in the World to Come.
The Rambam writes that when a child passes away at a young age, it means that his mission in this world has been completed. He is ready to enjoy the delights of Gan Eden. B’ezrat Hashem, these challenges are not going to last much longer. The pasuk in Malachi 3:1 says that the Mashiah is going to come suddenly. And then, as the navi says (Yeshayah 26:19), the dead will emerge from their graves and families will be united. Our enemies will be wiped out and the Jewish people will live in peace and harmony. We have to believe that this could happen at any moment.
What does it mean that Mashiah will come suddenly?
Rav Chaim Volozhiner painted the following picture with his students:
Mashiah will arrive on an ordinary day, like today. We will be involved in our regular routines. I will go home after Shaharit for breakfast and to prepare my shiur as usual. My wife will go to the market as always, and she’ll remind me to keep an eye on the soup so it doesn’t burn. Suddenly, while preparing for the shiur, I’m going to feel the sun shining with unusual brightness and hear the birds singing the most beautiful melodies. The trees will be in full bloom, more beautiful than ever. There’s going to be a lot of commotion in the streets.
I will go outside and see one of the neighbors running.
“What’s going on?” I’ll ask him, and he’ll answer, “Didn’t you hear? Mashiah is here!”
I’ll run to the closet to change into my Shabbat clothes to greet Mashiah.
My wife will come home. “You forgot the soup!” she’ll announce, sniffing. “It’s burning!”
“Don’t worry about the soup!” I’ll joyously respond. “Mashiah is here!”
It’s going to be a joyous times! Until then, out task is to believe that Hashem is running the world, He is here with us. He is causing everything to happen, and He does everything for our benefit. Having emunah in our generation will be our final tikkun, and b’ezrat Hashem, it will bring the Redemption. Chazal tell us (Yalkut Shimoni, Hoshea 519) that we were redeemed from Egypt in the merit of our emunah, and our future Redemption will also come in the merit of emunah.
Rabbi Mansour’s article last month (“The Secret to Success During Times of Crisis”) was right on point – as usual. With the rabbi’s permission, I would like to add the following thought. I was taught that tzedekah can take many forms besides a gift of money. According to Hillel, the highest form of tzedekah is to help another person become self-sufficient, not to give them a handout. If you can teach your trade to others, drive them to job interviews, volunteer in a school (even as a janitor, because it will allow the school to spend its limited funds on education, instead of paying janitors) or otherwise do something to help others become self-sufficient, that is a higher form of tzedekah than a financial contribution. Of course, if you are able to do both – to donate funds and your time – that would be even better. As the rabbi wrote, may we all be deserving of a year filled with joy, health, blessing, and success.
Albert M.
Family Tree
Last issue’s column about tracing one’s family heritage (“L’Dor V’Dor – Tracing My Family Heritage”) emotionally moved me. I am also searching for my roots, wanting to find out about my mother’s relatives and ancestors. Who were they, what did they do, how did they think? What were their personalities like? Why was the preservation of our traditions so important to my mother?
To tell the truth, I’m not exactly sure why I’m doing this. I know I want to preserve the pear tree my mother planted, the intricate doilies she crocheted despite being legally blind. I want to see the home where she grew up in Aleppo, Syria. I want to see pictures of her parents. And I wish so badly that I could recall all the details she shared of her youth, while I was a child.
Can you give me information about doing ancestral research? I will be traveling to Israel for my mother’s yartzheit – are any records kept there? Thank you!
Raquel W.
Finding Your Soulmate
Last month’s article about shidduchim (“Finding Your Soulmate”) was one of the most sensible articles written on the topic. This is the sort of thing that should be included in the school social studies curriculum. Give kids at least some straight-forward, level-headed advice, which they can actually follow in practical terms, instead of leaving them with all the ridiculous media messages and silly “Cinderella and the Prince” ideas they get from the movies and magazine articles. I posted the article in my kitchen for my 24-year-old son. Thanks a lot.
Margie T.
——————————
I found last month’s article about finding one’s naseeb way too simplistic – and far-fetched. Where does attraction and liking the person fit in? The suggestion that looking for a person with good quality traits seems way too cut and dry. I agree that having fine middot is an important qualification, but if this is the only factor, then it seems as if you can marry just about anyone. Of course, this is not so. True commitment is an essential mainstay of marriage, but if this is what is being taught to people as the Jewish way, I have no doubt as to why there are so many divorces in our community – and not at the fault of the couple – rather a society that defines marriage in such an unrealistic way.
Solomon H.
Recipes
Photo by Adina Yaakov
I love the recipe for the Fruity Pebbles Ice Cream Bowls. It is right up my alley – easy to make and so much fun to eat! My kids loved it!
“Behind every dark cloud there is a silver lining.”
During this terrible time of the COVID-19, which has permeated every aspect of our lives, our community, and the world at large, we find there are actually many positive consequences. Last month, I observed how we have rediscovered ourselves, our kids, spouses, families, and friends, and vice versa. We are using the technology that formally isolated and divided us to keep us connected. We have seen how resilient, creative, and caring we all are. These things can be viewed as the silver lining.
Estate Planning
In the legal area, as well, there have been unexpected silver linings. The low interest rates are driving a surprisingly robust real estate market. And negatives such as the stalled economy, volatile stock market, record unemployment, and lowered asset valuations, coupled with the highest estate and gift tax exemptions in history, have created a unique but short-term window of opportunity for estate planning, asset protection, and tax shelters. Most people feel that these things are not relevant to them. Rather, they are significant only for very high net worth individuals. This is a common misconception. Estate planning includes preparing the basic documents, such as wills, powers of attorney, and living wills/health care directives. Estate planning takes into consideration each family’s unique circumstances and goals. Take, for example, if there has been a second marriage, a divorce, or a loved one with special needs. Estate planning also must consider if there is Medicaid eligibility, business succession planning to plan for, etc. It is important to note that properly prepared estate plan can minimize or even eliminate estate taxes.
In “normal” times, common estate planning tools include gifting and creating trusts. Again, do not be intimidated by the idea of a “trust.” A trust is simply a legal entity that holds assets for the benefit of others. Irrevocable trusts are generally drafted to make the assets immune to estate tax and, when applicable, to creditors. And unlike a straight gift, the trust terms dictate how and when the assets are distributed to the beneficiaries.
In order to understand why now is the perfect time to create, review, amend or enhance your current estate plan, you need to be aware of the following:
Gift and Estate Tax Exemptions
Gifts are transfers to either individuals or trusts and the gift giver is the one who is taxed, never the person (or trust) that receives the gift. At present, the federal gift tax exemption is likely the highest it may ever be – currently $11.98 million per individual. This means that a married couple can make lifetime gift totaling $23.16 million (combined) without incurring any federal gift tax.
The federal estate tax exemption is the same as the federal gift tax: $11.98 million per individual ($23.16 combined for married couples). Lifetime gifts are subtracted from this amount to calculate a person’s estate tax exemption. This exemption amount is expected to be lowered significantly after the November elections (no matter who wins) to recoup the billions of dollars being spent for COVID relief, which will leave many estates suddenly subject to an estate tax. This will occur as well on the state level, so it is very likely that our estates will soon be subject to either federal or state estate tax, or both.
It is important to note that New York State has an estate tax exemption of just $5,080,000.00 ($10,160,000.00 for couples). Right now, if the exemptions were to be lowered, many NY estates would be subject to NY estate tax..
Decrease in Valuation of Assets Is to Your Advantage
The valuation of the assets gifted or transferred to trusts is crucial in determining the amount of exemption used; the lower the better. Given the current state of the economy, the valuation of most assets is way down. Appraisers note that they are seeing valuations reduced by up to 50% for real estate.
And valuation discounts are increasing due to higher risk amid the current historic uncertainty. Valuation discounts are used together with appraisals to value commercial properties and business interests. Higher discounts further lower the asset value for gift and estate tax purposes.
Now is the time to take advantage of the high estate and gift tax exemptions, depressed asset values, and increased valuation discounts to create the perfect estate plan.
* This information is not intended as legal advice and should not be used or relied upon as such. It is provided for information purposes only. Please consult your legal, financial, tax, or other professional advisor.
Lois D. Sutton is an attorney whose practice area includes residential and commercial real estate, estate planning, wills and trusts, including Halachic wills and Halachic Health Care Directive/Living Wills, probate, and estate administration, and business matters. Contact her at 732 245-4500 or at Lsutton@loissuttonlaw.com.
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.
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.