Jack Gindi

Success isn’t about what you earn once – it’s about who you choose to become every day.

The Rookie Who Bet on His Future Self

When I walked into that real estate office as a rookie, they offered me a desk in the bullpen, a metal chair, buzzing fluorescents, and the rookie pen. But across the room, sunlight poured into the corner office. Leather chair, real desk, a view that belonged to someone who had already made it.

“I want that one,” I told the broker.

He smirked. “That’s two grand a month. You don’t even have a client.”

He wasn’t wrong. I had no sales, no track record, and no reason to think I could afford it. But I wasn’t betting on who I was that day. I was betting on my future self. And in that moment, I stepped into the business of becoming a Top Producer.

The Business of Building Dreams

I didn’t have a business plan or fancy credentials. In fact, I hadn’t finished my GED. But I did have a young family to support, and sheer determination. That expensive office was more than rent – it was a daily reminder to show up like the person I wanted to become.

Every interaction became a classroom. Every mistake became tuition. Every small win proved I was moving in the right direction. Some people wait until they feel ready. I started where I was and built as I went.

The Formula That Built My Life

Over the next several decades, I discovered what I now call the Business Pillar. It wasn’t about chasing money. It was about shaping the kind of person who could create lasting value.

Economics, I realized, isn’t just about a bank account. It’s how you manage all your resources – time, energy, attention, and yes, money. That corner office was an investment in me. Every dollar of rent was building confidence for my future self. Every late night studying instead of watching television was another vote. Every choice became a down payment on the person I was becoming.

Education became the other half of the formula. Real education is curiosity in motion. Reading, asking better questions, and paying attention to people who were doing it well. And most of all, sharing what you learn. Teaching isn’t about showing off; it’s about how you cement lessons inside yourself while lifting others with you.

Looking back, growth was my oxygen. I didn’t wait for perfect conditions; I built from where I was. Each passion stacked on another until purpose began to take form. My life itself became the lesson, and I let people see me learning in real time, the struggles, the failures, the messy middle.

That’s the formula I still live by today: learn something, share something, and in the process, become someone, every single day.

The Confirmation

Shortly after committing to that corner office, I closed my first big deal! By the end of the year, I had become the top producer. Every time I reached another milestone, I celebrated. But the next morning, I was back on the phones because I knew the win wasn’t the destination. Each win was knowing that betting on my future self is always the right bet. Success is a moment. The business of growth is a lifestyle.

Your Corner Office Moment

At 69, I’m still learning, teaching, and growing. The same principles that got me from cubicle to corner office now serve a deeper purpose. After losing my son Shaun, I found his journal filled with dreams of helping kids transform their lives. His words became my mission. Today, through the I Believe in Me Foundation, we help families build resilience. I share tools I’ve learned through decades of living so parents and kids can learn to bet on their future selves, even in their darkest moments.

The business of life is a commitment to discovery, resilience, and the uncovering of your gifts. Your “corner office” moment might be a tough call. Saying yes when you’d rather play it safe. Investing in growth when comfort feels easier. Showing up as the person you want to become, before you feel ready. Every choice is a vote for your future self.

Because in the end, the real business you’re building isn’t your job, your company, or your bank account. It’s you. And that business is always hiring. Jack Gindi is a mentor, writer, and family coach. Drawing from 50 years of entrepreneurship and personal growth, he guides individuals and families in building strong, resilient lives. Reach him at jack@ibelieveinmefoundation.com.

Frieda Schweky

Weddings are a major topic of conversation in our community, but not always for the reasons we’d like. Instead of focusing on the happy couple and the Jewish home they will be building, often the focal point of making a wedding becomes the physical side rather than the spiritual. Weddings can turn into another status symbol, where community members are judged according to how much money they spend on one lavish night (or in many instances, on all the additional parties that go along with a wedding). High-ticket items that have become standard at community weddings may include large halls, expensive florists with exquisite flowers, drapery, lighting, DJs, caterers, photographers, and videographers, to name a few.

Let’s hear from community members about the whole wedding scene, especially when many are struggling to afford just the basics.

First, I’d like to share my thoughts. During Covid, my perspective on weddings completely shifted and I had some hope for the future of our community weddings. However, it’s been five years and it seems as though nothing has changed. In August 2020, my sister-in-law got married in the backyard of my father-in-law’s Long Branch summer house where I currently live. It’s not an extravagant setting, but it has a nice amount of grass in the backyard, which was large enough for the 150 guests, a chuppah, and a dance floor. The food and desserts were set out inside the house. For reference, my wedding was at the West Deal Shul. My brother-in-law’s wedding was at a large fancy bank in Williamsburg, Brooklyn. And my other brother-in-law got married in Tzfat, Israel. In our family, we actually all regard this intimate backyard wedding as the best, most special and intimate wedding of all our family weddings. It was the best night, spent with all the people who knew and loved the bride and groom personally.

This little Covid wedding changed my entire perspective on the subject. I realized that our children could be married with modest, intimate get-togethers and maybe there would even be cash left over to give to the couple to start their lives! I think that would be ideal. So, let’s hear what some community members think, and also, we’ll discuss a new initiative to address the sky rocketing costs of throwing a wedding in this community. I’m proud to say, it was initiated in the shul where I got married.

Esther Chirazi

I think the expense is one major issue, but it’s also people needing to keep up with “community standards” that adds to the burden and stress [of making a wedding]. Being in the real estate market, I see many people taking out major loans against their homes to make weddings and to keep up with our high standards. I know someone who needs to sell [their home] and cannot because they took loans to make beautiful weddings for their daughters and then through the years business was not as good as it used to be because life happens… If they sell they have no place to go because they owe so much in loans. It is crazy and unfortunate the lengths parents are expected to go to in order to “keep up with the Joneses.”

Community Member 2

Brit milot have become like bar mitzvahs, bar mitzvahs have become like weddings, and weddings are next-level luxury. This can be looked at as good, but there’s a flip side – the cost, the pressure, how it can suck the fun and joy out of the night for the ones hosting and footing the bills. The bigger the hoopla the bigger the stress.

Community Member 3

It’s an important lesson to teach our kids, that even if we have hundreds of thousands of dollars to spend on a wedding, it isn’t practical to actually spend it on (for example) flowers that will be torn apart hours later. We should be able to make our children weddings that they’re proud of without all of the pressure. Young men are afraid to get married for financial reasons. We are scaring them away from marrying our daughters! It’s a major issue! Instead they should be able to see all of the good the community has to offer. And maybe our community should come up with a good solution to this wedding expense issue.

I’m in the midst of planning a wedding for my daughter so I have to include a disclaimer. Don’t call me a hypocrite when I don’t necessarily follow my own opinion but I sincerely hope I can find somewhat of a happy medium. After all, the expectations still exist.

A major problem is when the vendors monopolize the venues and people are stuck using those vendors they can’t afford. The adage says that people pay for what they get. But if a couple wants a certain venue, and that venue locks them in to high-priced vendors, that’s when things really get out of hand. People should be able to use vendors that they can actually afford. I do understand how a venue benefits from special arrangements with specific vendors. But if venues are going to force people to use their vendors, it would be a good idea to offer the services of multiple vendors in each category with different price points to choose from!

Community Member 4

Wedding costs are a huge problem. It’s practically turned into a house payment, which honestly would be a better use of that money. People are taking out loans for one big party! I think one cause of this issue is the vendors. * Because we all use the same few vendors, they’ve not only raised their prices but also assume we can all easily afford those prices.. Basically, what only the top one percent of us could once afford comfortably has now become the new normal, and everyone feels pressured to keep up.

* I’d like to comment here, I’m a vendor myself, as I’m a professional photographer. Yes, sometimes you are locked into a certain vendor because of an arrangement with your venue, as discussed above. Yes, the popular vendors may charge a lot per hour. But usually, if so, they are very experienced, are in high demand, or offer a premium product. Also, their expenses have gone up just like yours. On the flip side, there are always new vendors popping up who offer lower price points. For example, my prices may be on the high-end as a photographer for small events, but for weddings I'm considered a very affordable option, as I charge more modestly than big names because I'm trying to get my foot in the door. I’ve advertised that I can be a cost-effective option. I still offer a high-quality product, bringing my over eight years of experience as a professional photographer. Yet, to date I have received almost no inquiries for weddings in this community. Therefore, I conclude that people are really not doing the work it takes to find lower priced options. They just stick with what everyone else is doing.

Community Member #5

It’s unfortunate that everyone is afraid to not do what others do for weddings and semachot, and it’s a tremendous amount of pressure. When I made my daughter’s wedding, I was given a

budget. But I knew I wanted to do more. She was my only girl. In order to afford what I wanted to do I got a job. And I paid for whatever was not in my husband’s budget. Even so, I was still very frugal with our money. We shopped for discounts, and I found a florist that wouldn’t cost me an arm and a leg, and I toned down the food to fit into what we could afford.

Nowadays, shuls have contracts with caterers, florists, etc. and you are obligated to use them. And you have to pay their price. Unfortunately, even most dual-income families cannot afford it at all.

Steps Toward a Brighter Future in Deal and Lakewood

Congregation Magen David of West Deal has just presented the community with a beautiful affordable wedding package starting at $52,000. All-inclusive weddings include the shul rental, decor, as well as specific mainstream vendors such as the caterer, florist, photo/video, DJ, security, and valet. Their flyer reads: All-inclusive Weddings -Because Breaking the Glass Shouldn’t Break the Bank.

Mayer Ashear, Director of Events from Magen David states, “The shul committee sought a solution to tackle community need for assistance making affordable weddings. Weddings have become out of control, super expensive, and very stressful. The packages were created for a host to feel respectable to make a beautiful wedding that they can afford. Shortly after Labor Day the All Inclusive Weddings began. They’ve been regarded as beautiful and people loved and enjoyed them. It’s great, especially in the wintertime when weddings are not that large here in Deal. It’s a very good option. We have packages from Labor Day to Memorial Day for 500, 650, or 850 guests. Prices vary depending on the guest count.”

Lakewood

Meanwhile, in Lakewood, two newly dedicated wedding halls, Ateres Blima and Ateres Esther, are marking the beginning of a new era in local simcha planning. Both halls are located at 400 Oak Street, and are named in memory of R’ Ari Stern’s grandmothers. The halls were built to address a pressing need in the community, to lower the overwhelming cost of weddings.

Backed by numerous donors, the project was designed to reset community expectations and to bring weddings back to a simpler, more manageable standard. At these new halls, a complete wedding package will cost just $13,000.

The all-inclusive package at Ateres Blima and Ateres Esther is designed for peace of mind. It includes hall rental, catering, photographer, videographer, musician, singer, kallah’s bouquet, artificial floral arrangements, a lavish smorgasbord, and a seudah.

What an incredibly important topic we discussed this month! Many important points were made. I hope we continue finding solutions to help families marry off their children without the need to take out loans. It’s nice when you can throw fancy parties and invite guests. It’s just tricky when we’re all expected to do the same or more than the next guy. Young couples will likely need help starting their lives and there are much better causes to put our money towards. We have single moms, orphans, and struggling young families in our community. We should collectively care and do more for them rather than conspicuously spend money, whether earned or borrowed, to throw a lavish wedding party.

Frieda Schweky

Frieda is an event and portrait photographer. Check Frieda out on Instagram @friedaschwekyphoto For photography inquiries or article topic suggestions email her friedaschweky@gmail.com

Victor Cohen

The obligation of shenayim mikra ve’ehad targum (or “shenayim mikra” for short) requires every Jew to read the weekly Torah portion twice in the original Hebrew, and once in translation – preferably, the ancient Aramaic translation by Onkelos. This requirement is established already by the Gemara and appears in the halachic codes. There is no question that this weekly reading must be part of every Jew’s regular Torah learning schedule.

Unfortunately, this obligation is neglected by many. Other beautiful regimented learning programs have gained widespread popularity – such as Daf Yomi, and daily lessons in certain halachic texts or in subjects such as emunah (faith). These are all wonderful and valuable initiatives – but they are not a clear halachic requirement like shenayim mikra. Ironically, the one learning schedule which constitutes an outright obligation is far less popular than learning programs which are not halachically required.

This phenomenon led a member of our community, Elad Danino, to launch an innovative program called Shnayim Yomi to encourage and help people fulfill this requirement. Founded in January 2020, Shnayim Yomi has succeeded in bringing shenayim mikra the attention it deserves. The program includes daily messages from distinguished rabbis around the world, and has now partnered with Artscroll to produce materials that help Jews all over successfully review the weekly Torah portion as halachah requires.

Earning Long Life

To appreciate the importance of this initiative, let us take a closer look at the sources of the shenayim mikra obligation.

It is first mentioned by the Gemara in Masechet Berachot (8a-b), which cites Rabbi Ami’s teaching that “a person must always complete his [study of the] Torah portions with the

congregation – twice reading, and once in translation.” The Gemara emphasizes that this obligation applies even to the verse in Parashat Matot (32:3) which consists entirely of names of places (“Atarot veDivon veYazer VeNimrah…”). Even though the Aramaic translation adds nothing to the understanding of the verse – since all the words in the verse are names of places – nevertheless, one should read this verse in translation. The Gemara says about one who fulfills this obligation, “ma’arichin lo yamav ushnotav” – he is rewarded with long life.

Accordingly, the Rambam (Hilchot Tefillah 13:25) writes that even a person who ensures to hear the Torah reading in the synagogue every Shabbat must, in addition, personally read the weekly parashah, twice in the original Hebrew, and once in translation. The Shulhan Aruch (Orah Haim 285:1) likewise rules: “Although a person hears the entire Torah each week with the congregation, he is obligated each week to read for himself that week’s portion, twice reading and once in translation.” He adds that learning Rashi’s commentary instead of Onkelos’ translation satisfies the obligation, and that “a G-d-fearing person,” who strives for meticulousness in halachic observance, should read both Onkelos’ translation and Rashi’s commentary.

Why the Neglect?

The seeds of Shnayim Yomi were planted in a New York City subway car on January 1, 2020, while Elad was on his way to Barclays Center for the 13th Siyum Hashas. He was going to celebrate with thousands of other Jews from all backgrounds who successfully completed the rigorous, 7.5-year Daf Yomi cycle, finishing the entire Talmud by learning one page each day.

During the train ride, Elad was learning shenayim mikra ve’ehad targum, reviewing that week’s Torah portion. A fellow passenger remarked to Elad that he should be catching up on his Daf Yomi learning instead of learning the weekly parashah. Elad explained that he was fulfilling the shenayim mikra ve’ehad targum requirement, and he asked the other passenger whether he reviewed the parashah each week. The fellow said that he did not.

Surprised, Elad approached several other passengers in the subway car and asked them whether they learned shenayim mikra ve’ehad targum in addition to their daily Daf Yomi study, and they all answered in the negative.

Elad was astonished. How, he wondered, could a clear-cut halachic obligation be neglected by so many devout Torah Jews?

He kept asking, and kept receiving the same answer. He could not understand why people who learned a page of Gemara every single day did not fulfill the weekly obligation of shenayim mikra.

Elad then committed to bring more attention, and more enthusiasm and energy, to this weekly mitzvah. He started thinking about why so many people who devotedly learn Daf Yomi neglect the requirement of shenayim mikra, and he identified two primary reasons.

The first is a lack of a daily structure. Whereas the Daf Yomi program offers a clear, tangible daily goal, shenayim mikra is a weekly requirement, and the length of the portion varies considerably from one week to the next. It does not lend itself to a steady, consistent schedule like Daf Yomi does. The second reason is that there is no long-term, monumental goal to anticipate achieving. When one learns Daf Yomi, he periodically celebrates the completion of a masechet, usually with a large, festive meal featuring speeches by rabbis. And, of course, there is the major celebration even 7.5 years with the completion of the entire Talmud. No such celebrations are held for completing shenayim mikra – at least not as of January 2020.

Elad decided to build upon the Daf Yomi model to generate more enthusiasm for the weekly study of shenayim mikra. In order to do this, he needed daily programs, events, and incentives.

“I Love What You’re Doing”

Elad began with a daily program consisting of a two-to-three-minute “introduction to the aliyah” video from a rabbi, discussing one of the seven aliyot (sections) of the parashah to get viewers excited about the material they were about to read. It also provided a framework for a consistent, daily regimen. In addition, Elad arranged for joyous celebrations upon the completion of each of the five books of the Torah.

This undertaking began in October 2020 with 50 participants – Elad’s close friends, who immediately embraced the idea and happily jumped aboard, eager to fulfill their weekly obligation in such a special way. All these original 50 signups stuck with the program for the next several years.

“The first year was awesome,” Elad says, recalling how he received hundreds of messages thanking him for setting it up.

The momentum picked up in his second year, when a friend of Elad, who is well-known for supporting Torah study, joined and helped kick the Shnayim Yomi program into high gear.

This friend, Shlomie Bistritzk, approached Elad in the summer of 2021, shortly before the second year of Shnayim Yomi got underway.

“I love what you’re doing and want to be a part of it,” Shlomie said. He recommended giving a free set of Chumash with Rashi to anyone who could commit to learn shenayim mikra throughout the upcoming cycle.

Elad was somewhat startled by the suggestion, noting that this could be hundreds of people, incurring quite a heavy expense.

“Don’t worry about the numbers,” Shlomie assured him. “Just get commitments.”

In that second year, over 1,100 people from ten different cities signed up for the program. And it’s been growing consistently ever since.

This past year, Elad’s group saw 5,000 people completing the shenayim mikra cycle. He was able to get numerous high schools involved, calling principals and persuading them to bring this program to the students. The first 500 yeshiva high schoolers who came to the event received a free Chumash.

A Daily Dose of Inspiration

Each day, participants receive a two-minute video introducing that day’s aliyah, together with a PDF file with the day’s text to read. In addition, they watch a weekly video about the parashah, each week from a different rabbi. Elad estimates that some 150-200 rabbis have contributed to the project thus far. These include prominent figures such as Rabbi Joey Haber, Rabbi Dovid Goldwasser, and Rabbi Reuven Feinstein (son of Hagaon HaRav Moshe Feinstein, zt”l). Elad also brought to the project several rabbis with whom he was closely connected, such as Rabbi Eli Kadi, who teaches in Sitt Shul, and Rabbi Meir Kaplowitz.

The purpose of the daily videos is to get people excited for that day’s aliyah. To get a sampling of these inspirational talks, we present a transcription of Rabbi Goldwasser’s introduction to the first aliyah of Parashat Miketz, taken from 2021:

We learn a very interesting idea – that it happened to be at the end of two years. Those two years were added onto the end of Yosef Hatzadik’s prison sentence. He had to continue to languish in prison. Why? Because he trusted in the sar hamashkim [cupbearer]. All of a sudden, we learn that Pharaoh had a dream. Our mefarshim [commentators] tell us that immediately after he had the dreams, he summoned Yosef. Why? Because at the moment when a person is supposed to have their geulah, when they’re supposed to be redeemed, when all of their challenges are over, at that second, Hashem will deliver them.

Pharoah said he had two dreams. The first dream is that he was standing by the water. Suddenly, there were seven healthy cows that came out of the water and were grazing there. Immediately, seven other cows came out of the water– cows that were not healthy. The skinny cows devoured the healthy cows. Pharaoh woke up and then fell back asleep. In this dream, there were seven healthy stalks that came up. Immediately, there were also seven unhealthy stalks, and they took over the healthy stalks. Pharaoh couldn’t

understand it. He went to all his magicians, interpreters and advisors– nobody had a good answer for him. Until finally, Yosef Hatazadik comes. And Yosef– at the end of this aliyah – has been brought from the prison. They give him a haircut, and changed his clothes to appear before the melech [king].

The daily messages keep people connected to the parashah and inspire them to read that day’s portion. The preview they are shown draws them to read and learn the material, thereby helping them to consistently maintain their commitment each and every week.

Making a Recommitment

As mentioned, celebrations are held upon the completion of each of the five Humashim. Siyum festivities take place in a different city each time, and several were held in Brooklyn – the birthplace and “headquarters” of Shnayim Yomi. Other cities that hosted celebrations include Miami, LA, and even Ramat Beit Shemesh in Israel. The siyum events usually align with holidays, allowing for a great deal of creativity. Last year, an event was held in Hollywood, FL on Purim, which featured an event for kids, with a special class. As Shnayim Yomi is connected to so many rabbis – many of whom actively participate in the program – the events are usually cohosted by rabbis, and are given access to numerous synagogues worldwide.

Shnayim Yomi also holds a yearly kickoff event at the beginning of the annual Torah reading cycle. This year’s event is scheduled for Sunday night, October 19th, right after the Shabbat when the first parashah, Parashat Beresheet, is read, and will take place in Yad Yosef.

“I don’t do a siyum at the end [when the entire Torah is completed] because everyone does their own celebration on Simchat Torah,” Elad explains. “Doing a kickoff instead gives us a unique space to operate.”

Last year’s event received over 15,000 views on the livestream, with 200 people attending in-person. Over a dozen rabbis will be flying in from different places around the world for the event. The keynote speakers are Rabbi Reuven Feinstein and Rabbi Joey Haber, and the legendary Benny Friedman will be singing.

The key, as Rabbi Haber says, is for people to make a recommitment each year to the mitzvah of shenayim mikra. A large, emotional kickoff event is perfect for this goal. Additionally, on the Shabbat before the event, 150 synagogues around the world will take part in a project called SMASH – Shnyaim Mikra Awareness Shabbat, encouraging people to commit to shenayim mikra.

A Special Partnership

This year saw a special milestone for Shnayim Yomi, with the beginning of a collaboration with Artscroll. Rabbi Moshe Bamberger, author of the “Aliyah Summaries” feature in the Artscroll Chumash, urged Elad to produce a special Chumash for the reading of shenayim mikra. Elad approached Artscroll, who loved the idea and proceeded to create a book with a new English translation based on Onkelos. The Shnayim Yomi team was privileged to work with Rabbi Gedaliah Zlotowitz, head of Artscroll, and the entire ArtScroll team – a special partnership that is providing a priceless service to the Jewish People. The publication has received the warm approval and blessings of HaRav Shmuel Kaminetzky, Rosh Yeshiva of the Philadelphia Yeshiva, and Hacham Yitzchak Yosef, former Sephardic Chief Rabbi of Israel. The first volume, on the book of Beresheet, is expected to hit the stores late September 2025 – just in time for the new Torah reading cycle.

“For years and years,” Elad says, “Artscroll has been thinking of producing a Shnayim Mikra Humash, and now they finally have the push to do it.” He added that this new publication will allow people to fulfill the “targum” component of the obligation with a clear English translation.

Rabbi Gedaliah Zlotowitz said the following in praise of the Shnayim Yomi project:

Shnayim Yomi is a groundbreaking initiative that has inspired Jews worldwide to commit to the practice of learning and fulfilling the Mitzvah of Shnayim Mikra V’Echad Targum. Founded by Elad Danino, who has devoted his life to this sacred mission, the program features a roster of gifted Rabbis, who, each week, give a diverse and engaging approach to each week’s Parasha. Each day, participants receive a brief video focused on an aliyah from that week’s parashah, along with a powerful and thought-provoking insight. Sh’nayim Yomi hosts a Siyum at the conclusion of each Sefer of Chumash, in different cities, to celebrate what has been accomplished and motivate its continuity. The ArtScroll Shnayim Mikra is a natural extension of the vibrant and impactful Sh’nayim Yomi movement.

For more information about the Shnayim Yomi project and the kickoff event on October 19th, please visit https://shnayimyomi.org/.

One of the greatest fears people have when creating an Estate Plan is that their family might end up fighting after they’re gone. Unfortunately, disputes over money, property, or perceived fairness are all too common – and they can tear apart relationships that took a lifetime to build. The good news is that with careful planning and honest communication, you can dramatically reduce the risk of conflict and ensure your legacy brings peace, not pain.

Family disagreements often arise when instructions are unclear or when someone feels left out or surprised. A common trigger is vague language in a Will or Trust that leaves too much open to interpretation. Another possible issue is unequal distributions that aren’t explained, or outdated documents that no longer reflect your current wishes or family situation. Sometimes the problem isn’t the plan itself, but the people chosen to carry it out – an executor or trustee who mishandles responsibilities or appears to play favorites can spark costly legal battles that drain the estate and damage family bonds forever.

The first step to avoiding these pitfalls is to work with an experienced Estate Planning attorney who will draft clear, thorough documents. Make sure your Will and Trust spell out exactly how you want your assets divided, who will manage the process, and what authority your fiduciaries have. If you wish to treat your children differently – for example, leaving more to a child with greater needs or less to someone already financially secure – put this in writing and consider explaining it in a separate letter or family meeting. While you are not obligated to justify your decisions, clarity now can prevent hurt feelings and arguments later.

Choosing the right people to manage your estate is just as important as the words on the page. Serving as an executor, trustee, or power of attorney agent is a big responsibility that demands honesty, fairness, and diplomacy. Pick individuals who are organized, level-headed, and able to work well with other family members. If your family dynamics are tense or your estate is particularly large or complex, you may want to name a neutral third party, such as a professional trustee or trust company. An independent fiduciary can make tough decisions impartially and diffuse suspicion that one sibling is acting unfairly.

Another smart strategy is to keep your documents up to date. Major life events – marriage, divorce, birth of grandchildren, or a death in the family – can change your wishes or make your current choices outdated. An outdated plan is a recipe for confusion and conflict. Review your estate documents, beneficiary designations, and asset titles every few years and make updates as needed.

Communication Is Key

Communication is often the best prevention. While not every family needs a formal meeting, having open conversations with your loved ones about your general intentions can help everyone feel informed and respected. This doesn’t mean sharing every financial detail, but explaining who will be in charge, how the process works, and what you hope your legacy will accomplish can go a long way in preventing misunderstandings.

Another key point is to organize your paperwork and keep it accessible. Make sure your executor or trustee knows where to find your Will, Trust, insurance policies, deeds, account information, and contact details for your attorney and financial advisor. A messy or hidden trail of documents is an invitation for mistakes and suspicion, especially at a time when your family is grieving and emotions are high.

For families with unique assets like a family business, vacation home, or heirlooms, special care is needed. A vacation property, for example, can become a source of friction if siblings disagree on maintenance, scheduling, or whether to sell. A Trust can lay out clear rules for how the property will be used, maintained, or sold, so everyone is on the same page.

Sometimes, despite best efforts, disagreements still arise. Including a “no contest” clause in your Will or Trust can deter frivolous challenges by penalizing beneficiaries who contest your wishes without a good reason. Your attorney can explain when and how such clauses work in your state.

In the end, the goal of Estate Planning is more than just transferring assets – it’s about leaving behind clarity, stability, and family harmony. By choosing trustworthy people, communicating your goals, and working with qualified advisors, you can protect not only your wealth but also the relationships that matter most. To learn how to protect yourself and your family visit www.haaszaltz.com or call 718-412-5288. You can also send an email to: info@haaszaltz.com.

Sophia Franco

It’s a fast day, Tisha b’Av. Rabbi David Ozeri approaches Harry Adjmi and says, “I’ve got a problem. I have four rabbis, and I must get them each fifteen thousand dollars for their children’s weddings. They are teachers, the poorest of the poor, and I really want to help.” Harry thinks for a minute and concocts a plan. “Okay,” he says. “We’re going to go to each of the four different minyanim in Deal Synagogue. Rather than the standard Harry Adjmi fundraiser, do you mind if we set an amount, and ask everyone for a maximum of $1,000 dollars each?” Rabbi Ozeri says, “If that’s how you think it’ll work, go ahead.” Harry starts with the first minyan. “I tell them about these rabbis and ask whoever is willing to and can put up $1,000, to please raise their hand. By the time we get to the last minyan, our goals are surpassed, and we’ve done a tremendous hesed. All in a good day’s work.”

“The leader of the generation is like the entire generation.”- Rosh Hashanah 25b

They say that leaders bring the weather, but what does that mean? And what makes a good leader? Haim Chera calls Harry a one man show. “He has a special talent for reading a room instantly and infusing it into one of warmth and generosity.”

In a community larger and more complex than ever before, Harry brings his unstoppable energy everywhere – giving generously, guiding wisely, and inspiring deeply- multiple times a week, not for one organization, but for so many charities that constitute the fiber of our community. This, in addition to being a prominent businessman in both apparel and real estate, and a father and grandfather, makes him among the truly unique. Surely, you’ve seen him, microphone in hand, radiating positivity and success, making people feel safe, valued, and ready to be their best selves, but that’s not all. Behind the scenes Harry’s mediating business, marital, and familial conflicts. Where there is discord, and Harry enters the room, miraculously, the outcome turns out better for everyone.

Why?

Rabbi Joey Haber reflects, “Harry Adjmi is one of the most remarkable men our community has ever known. We deeply respect the leaders of past generations, but many of them were guiding a smaller community, with fewer organizations and fewer people. Today, our community is enormous, and Harry is involved in every aspect, from every angle. What’s truly extraordinary is his sensitivity. He notices small thoughts, subtle concerns, and addresses people with tender care. He can sit with the most vulnerable woman, the most influential rabbi, and the most powerful layman, and give each the same attention. He’s bold, direct, yet humble. He’s loving and clear, and when he’s tough, it’s only in your best interest.” Guided by a fierce moral compass, deep personal pride, and unwavering courage, Harry treats everyone with fairness, forgiveness, and the gift of being truly heard.

Ikey Massry, of Hillel Yeshivah, echoes, “Harry doesn’t just live in this community – he lives for it, giving his time, energy, and heart to make it stronger every day.”

“Who is the strong one? One who strengthens others.”- Pirkei Avot 4:1

Many are under the false notion that Harry magically appeared on the community stage on April 14, 2020, but he’s been involved in community affairs since the 1990s. On that infamous day in the heat of Covid, Harry had just returned home from the hospital when so many of our loved ones had not. A visibly changed man, he was ill, but happy and aware. “I got lucky,” he said to all those gathered around celebrating his return and to countless Instagram watchers who were glued to their screens. “Hashem said to me, ‘Harry, you’re a good worker; continue your work, and double down. Keep helping the community.’ Double down!” Harry repeated, a call to action that was played and replayed, inspiring so many to volunteer, donate, and pray. No one had any idea how far and wide the sentiment would travel.

Rabbi Eli Mansour, close friend and mentor to Harry, calls Alice, Harry’s wife, the silent hero. A community leader and advocate, she is the backbone and foundation for everything that Harry has accomplished thus far. She recalls, “Twenty-six years ago, I was Vice President of Sephardic Community Center, and we were, literally, without money to make payroll. I had an idea to invite the people to our home and appeal to them, directly, and Harry went along with it. We called the event Save the Center and all the girls involved made the food and décor by hand.

“I’d intended to be honest about how much trouble we were in, but back then, no one wanted to show weakness. I had prepared a speech, but at the last minute I panicked. Harry took the microphone. He was caught completely off guard, but he was warm, casual, and spoke from the heart, asking each guest what the Center had done for them. They responded to him, in stereo, as they always do, and it was a huge success. That was the first time, and it was a blockbuster. Harry was a natural.”

From that day, Harry became a spokesman for many different charities. He realized that if you appeal to the people, tell them stories about who and how the charity is helping, they’ll come to your aid. Today, you’ve seen this done at thousands of events, but back then it was a brand-new concept.

“Give thanks for the good, and you will be granted more.” – Berachot 54a

Harry explains, “If you ask any entertainer why they return to the stage again and again, they’ll tell you, it feels good. It feels special when people respond, and even more so when they respond with large donations for a cause you believe in. I try to speak beautifully always, but no two fundraisers are alike. Sometimes the people are in awe, sometimes it doesn’t work. Depends on the home, time of day, and the mood of the crowd. I accept and understand it. What drives me is my own need to help. I give tremendous credit to the host for setting things up for success, to Norma Cohen, my partner in planning every event, and now her daughter Lydia. It’s never a one person show – I’m just the facilitator. I stick to the notion that if you speak to people honestly, from the heart, they’ll want to give. It feels good to be part of something bigger than yourself and I want to share that feeling.”

Alice, who steps up for so many community issues including Chaim Medical, continues, “Our house is a revolving door 24/7. There’s always someone who needs Harry’s expertise, but he also makes time for each child and grandchild, taking them for lunch and dinner, and making sure everyone has what they need.”

Harry has undisputedly garnered the respect of the rabbinate for his good deeds, care, and love of the community. Rabbi David Ozeri is by his side often, and by now the two can finish each other’s sentences. “I have been blessed, in Brooklyn, Deal, and NYC to have every single rabbi in this community on speed dial,” Harry says proudly. “Should I need them, should I want them…should I have to speak to them about something, I have that ability, and that is one of the greatest blessings Hashem has given me.”

Rabbi Eli Mansour continues, “Harry Adjmi is a true public servant. While most people would step back when things get difficult, not Harry. Despite hearing loss, mobility challenges, and major health scares, Harry works at full speed, pushing at 200 percent. He teaches us: don’t look for excuses, look for the way forward. He’s clever, sharp, and well-connected – senators, governors, rabbis – and he uses every connection for the community: for our schools, shuls, and institutions… never for himself. He’s smart and spontaneous, even bullish sometimes, but it’s coming from the right place, so, it works. You never quite know what’s going to come out of his mouth, and that’s his secret weapon. He can size up any situation instantly – that’s the Moroccan blood in him. He’s also my dear friend, and we can sit and talk for hours with a good cigar and a glass of scotch, that he gifted me, of course.”

“Harry gives first and sets the example for all to follow,” Rabbi Edmund Nahum reflects. Rabbi Joey Haber continues, “He’s close with every rabbi in the community, across every hashkafa, and we all feel he’s our best friend. While he’s giving a major donation, he’s also helping a couple in crisis, speaking at two events, guiding another organization, sending a bottle of wine to one rabbi, a case of tomatoes and corn to another – and always finding ways to connect and show he cares.”

Harry was also among the group who suggested giving donors something simple with each invitation. “Give them a babka, a challah. Let them know how valuable they are.” He also

encourages personal letters of thanks for showing up and giving, so everyone feels seen and appreciated.

“Remember the Lrd your Gd, for it is He who gives you the strength to achieve success.” – Devarim 8:18

“I’ve taken the microphone hundreds and hundreds of times,” Harry explains, “We’ve done fundraisers in every style and size with different guest speakers in different venues, and I’m always astounded by our great community.”

Rabbi Joey Haber continues, “Meeting with Harry is a joy; he’s fun, upbeat, and passionate. In Magen David, in Kesher, in Beit Yosef, he always arrives with positivity. He has nuanced emotions and understands even the smallest thoughts and concerns of people. What’s unique about Harry Adjmi is how much ground he covers and how much time it entails. I’m just amazed.”

“Be strong and courageous.” – Yehoshua 1:9

Harry Adjmi is one of eleven children. He didn’t grow up as religious as some of the people he’s associated with, but as he explains, “Everyone has the ability and the right to evolve and to love and embrace the Torah, at their speed, and at their level… Rabbi Nahum always says from the pulpit, ‘Don’t go too fast, so you know how you got there.’ We are all growing. Our rabbinate uplifts and guides us, and people are learning by example. Both women and men’s classes are filled to bursting. Our community is bigger and greater than ever before and participating in more hesed, learning, and charity than ever in its history. I’m so happy I’m participating in that.”

Harry is entirely authentic. He doesn’t rely on notes or memos and has never in his life prepared a speech. “I’m hands-on,” he says. “People think I just show up, but it’s a fallacy. I do my research; I couldn’t do it any other way. I must know the people, the organization, and how the proceeds are being spent. I visit their headquarters and must trust in their honesty. I could never fundraise or throw my full energy behind a cause I didn’t completely believe in.”

“Harry is an absolute genius,” says Alan M. Maleh. “His ideas are original, unique, and when you hear them, you think, ‘Wow, that’s so simple.’ I visit Harry’s office once a month, and in a ten-hour day, nine of those hours are spent doing hesed. He is the most selfless, generous, kindest person I’ve ever met. I’ve watched him resolve fierce business disputes with wisdom and grace, and divorce cases with strength and straightforwardness. There is no one else on this planet who can do what Harry does. We are fortunate to have him.”

Jenine Shwekey, co-founder of the Special Children’s Center has worked with Harry for over twenty years. “He’s a true philanthropist,” she explains, “He helps people, saves lives, and stands with the community in every way. He works alongside rabbis solving problems, helps families in crisis, supports the sick, and guides people through everything from medical challenges to government matters to difficult divorces. The value of what he does is worth far more than any check he could write. You can give millions, but when you save families, it’s more than money could ever buy.”

Richie Dweck, too, has been fundraising with Harry for years, “Harry has a gift – he takes small organizations and helps them grow beyond imagination. From the Special Children Center’s infancy, Harry was there, guiding and boosting us and giving clarity on how to reach the next level. He gives with an open heart – generously, wholeheartedly, and tirelessly. Some give their time but not their money. Some give money but not time. Harry gives both, a thousand times over, to a thousand organizations. And behind it all is Alice – his partner, his backbone. Without her support, none of this would be possible. She works modestly behind the scenes, always supportive, always giving her input. The Special Children’s Center is what it is today because Harry and Alice put in hundreds of hours, endless energy, and their whole hearts into its success.”

Harry is so grateful, “Hashem puts the words in my mouth, and the wisdom to know the community so well after all these years; but I work hard. I have a family and children and grandchildren. I have a business to run. The rabbinate helps me, and I have great people in my workplace that I trust and rely on. At home, Alice is my heart and soul. She’s that type of woman, that type of wife, that sees it, understands it, and allows it. Whether people are coming to my home, or sitting on our porch, whether I’m running out to the fourth or fifth charity meeting of the day… whether I need her help giving advice and wisdom… she is there for me, 100 percent.”

Harry sees past cultural norms and traditional roles and was one of the members of the committee that invited Gladys Haddad to preside over Magen David Yeshivah. He understood what the school needed. Gladys recalls, “He believed in me, and continues to encourage me, and so many others, to keep serving the community. He’s one of six trustees of our board and doesn’t miss a meeting or follow up, as if he has nothing else going on in the world. He thinks outside the box, and makes ideas come to life.” Morris Missry, continues, “Harry Adjmi is a pillar of our community and in working with him on the Board of Magen David Trustees, I am fortunate to have taken part in meetings where Harry’s genius, big heart, and street smarts advise the Board in a manner that adds tremendous value.”

Ikey “Spike” Dweck has worked with Harry on SAFE for more years than we can count. “Harry has devoted his life to lifting others – through tireless fundraising, unwavering community support, and a genuine passion for helping people. His dedication inspires all who know him.”

“All is from Heaven.” – Berachot 33b

“We didn’t know what was happening then,” Harry recalls of April 2020. “Alice thought I came home without my brain. I had my head raised to the shamayim and I was saying, ‘thank you Hashem, thank you,’ because there’s no question that when I went to the hospital, I thought I was not coming home. The one and only Stanley Chera, a”h, my friend and mentor, had passed away that Shabbat, Rabbi Nahum, Baruch Hashem, came home with 104-degree fever, by the skin of his teeth, and my sister Arlene, a”h, did not make it home at all. What I did know is that everything is Hashem. There is nothing He doesn’t have His hand attached to. I’m here for a reason. I believe I know the reason, but I don’t do what I do because of that reason. I’m doing it from a place deep in my heart.”

As bold as Harry is, he doesn’t linger to take credit. He slips out quietly from every fundraiser, his mission complete. For him, this isn’t a grand gesture. It is simply what he does, because for Harry, pursuing goodness isn’t an occasional act – it’s a way of life.

“Be among the disciples of Aharon – loving peace and pursuing peace, loving people, and bringing them close to the Torah.” – Pirkei Avot 1:12

In rooms tense with worry, Harry brings calm; in moments filled with doubt, he brings light. This is his quiet genius: to make goodness feel nearby. Harry seeks peace, mends it, and shares it. He loves people as they are and lifts them toward what they can be. He’s unafraid to take risks, and he’ll be a cushion for those he encourages to take them, too. Harry’s goal is to help people stuck on the side of the road. “If I can get them to their destination the way that SAFE, Bikur Holim, Special Children’s Center, Imagine, Renewal, A Giving Hand, CARE, Sephardic Food Fund, Hatzalah, Hillel, DSN, Shomrim, Chaim Medical, the Beit Din, and so many more organizations are doing, then I am doing my part. From one synagogue called Shaare Zion, and one school called Magen David, so much growth has followed. The community is growing by leaps and bounds, and still, there’s room for more schools, shuls, mikvehs, rabbis, teachers, administrators, and leaders. For that, I call upon all of you. I want you to read this article and know that you can also partake and give back. You have no idea how good it feels to change someone’s life.”

Closing Note from Sophia Franco

To all those who gave me their input and stories, thank you! Harry’s work is truly l’shem shamayim, and it is my honor and pleasure to shine a light on it. Harry and Alice, may all the good you do in this world bring Hashem’s smile upon you and may you and your family be blessed with peace, long life, and happiness always!!!

When it comes to retaining memories, your brain is practically a bottomless storehouse. So why do you sometimes forget things, like what you had for lunch yesterday, or where you placed your keys or homework assignment? This is because your brain was created with two types of memory – short-term memory and long-term memory – and each one is stored in a different place!

For example, if someone gives you a seven-digit telephone number to remember, you store that information in your short-term memory. Most people would forget that kind of thing less than a minute later. Short-term memory is limited in terms of how much information it could store and for how long.

Long-term memory, though, stores information that you remember for a year, ten years, or a lifetime – things like your first day at school, or a special birthday celebration. However, if you practice often enough to remember something that’s in your short-term memory, it could turn into long-term-memory information. That’s why most people remember their nine-digit Social Security number by heart; they’ve written it down or practiced remembering it often enough.

Transferring Memories from Short-Term to Long-Term

The region of the brain that is associated primarily with memory is the hippocampus. The hippocampus is essential for taking information from short-term memory and placing it into long-term memory. Below is a brief summary of how this occurs

1. Short-term memory is located in the front portion of the cerebral cortex of the brain. Information usually remains in this area for only twenty to thirty seconds, if not repeated and rehearsed.

2. If the brain decides to remember something, the information passes from the front portion of the cerebral cortex to the hippocampus, which is located deep inside the brain.

3. From the hippocampus, the memory’s nerve patterns travel to different areas throughout the brain, where they become cemented as long-term memory.

The Gift of Selective Memory

Why do we need memory? Well, without memory, we could not survive. We would not know how to walk or talk or read, or remember where we live. We could not perform any function, for we would not know what we were doing a second before.

But the ability to forget is just as important as the ability to remember! Think about it. Have you ever made a fool of yourself, or been hurt, or upset? Have you ever been insulted, or lost a loved one? Imagine if you would never forget the initial embarrassment, pain, or loss. How would you go on with life? The misery would be there before you, forever.

For this reason, Hashem gives us a gift: far-from-perfect memories. This ensures that the awful things that sometimes happen to us gradually fade, on some level, from our mind.

Brain Power

Exercise stimulates chemical changes in the brain that enhance learning, thinking, and memory skills.

The First Roller Coaster in America

On June 16, 1884, the first roller coaster in America opened at Coney Island, in Brooklyn, New York. It consisted of three wooden hills connected by curved tracks, with a top speed of six miles per hour – nothing like the thrill machines we see today!

Russian Coasters

The earliest roller coasters were large ice-covered slides made of wood.

LaMarcus Thompson

Born in Ohio, Mr. Thompson is widely known as the father of the roller coaster.

Loop-the-Loop

The Loop-the-Loop coaster opened in 1901 at Coney Island. It eventually closed because more people were willing to watch than ride.

Brooklyn Cyclone

The Cyclone, a wooden coaster that made its debut on Coney Island in 1927, is one of the country’s oldest coasters in operation today.

Inventions are the ingenious gadgets and machines that have made our lives a little more fun, interesting, and useful. Real inventions are the things that we did not think were possible yesterday, and yet, it would be difficult to live without today. From the tiny paperclip to the massive jet engine, every month we will explore the history behind our world’s most famous inventions and learn about the innovators who designed them.

This month we explore the history behind one of the most popular amusement park rides…

The ROLLER COASTER

Roller coasters are one of the most popular amusement park rides. The fascinating history of roller coasters began in Russia in the early 1800s, when a wheeled cart was designed to go down an icy track. This prototype proved quite popular, as people lined up for hours to ride on the rails – something no one had ever seen before! From there, roller coasters took off around the globe.

First American Roller Coaster

In 1884, Ohio native LaMarcus Adna Thompson patented the “Switchback Railway,” the first American roller coaster. It made its debut at Coney Island in Brooklyn, New York. The coaster was made of wood and featured a single track with sharp turns and three steep hills. It was designed to run down a hill and then use gravity to propel riders back up the other side.