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Support Your Favorite Charity with Life Insurance

As Americans, we can take pride in the fact that we are a nation of givers. And as the economy improves, charitable giving is on the rise. In fact, according to the National Philanthropic Trust in 2020 total charitable giving from U.S. individuals, corporations, foundations, and bequests exceeded $471 billion with 69% coming from individuals.

While money may be tight for many Americans, it’s nice to know that there is a way to support a favorite charity without having to worry about the impact it could have on your budget. How? By giving the gift of life insurance. Here are just a few ways you can use this proven method to contribute money to your favorite causes:

  • Donate an existing policy – If you already have a policy and no longer need the death benefit, you can gift the policy to your desired charity, which may give you some tax benefits. The charity will receive the full benefit amount when you die.
  • List the charity as a beneficiary – As the owner, you remain in control of your policy and can leave money to as many beneficiaries as you like: children, grandchildren – even multiple charities. Or, you can name a single charity the sole beneficiary, and it will receive the entire amount.
  • Purchase a separate policy – There are times when it makes sense to have separate policies: one for loved ones and one for charitable gifts. This technique can prove especially helpful if you would like to retain ownership of one policy, but not the other.
  • Create a Charitable Remainder Trust – While this planned-giving tool is designed to shelter appreciated assets such as stocks and real estate, you can also incorporate life insurance if it’s set up properly. Be sure to consult a trusts and estates advisor before pursuing this approach.

Giving life insurance can be a lasting legacy to support causes dear to you. Depending on the method you choose, it may also offer a variety of tax benefits.

Beware of Unwelcome Surprises

Below is a list what most surprised homeowners after they bought their first home. 

The Amount of Maintenance a Home Requires  

About 32 percent of buyers expressed having buyer’s remorse after purchasing a house that needed more work or maintenance than they expected. 

How much maintenance is required depends entirely on the home. For example, there’s likely to be far less maintenance to tend to with a condo, which typically has a homeowner’s association to handle service requests for common areas, like the exterior, landscaping, and shared hallways. (But even with a condo, you, as the homeowner, generally are responsible for maintaining and repairing appliances and taking care of your unit’s interior.) 

Some things you may learn: how amazingly fast grass grows, why it’s important to clean your gutters regularly, and how to clear a clogged drain. 

Changing Costs of Taxes and Insurance  

When you buy your home with a fixed-rate mortgage, you may think that the amount of your initial mortgage payment will remain the same for the life of the loan. But the monthly payment almost always includes property taxes and property insurance, which the mortgage servicer collects in an escrow account and pays for you. Those costs change over time. 

How Neighbors Can Affect Your Quality of Life  

As much as you love your home, life there can be gloriously elevated or horribly impacted by the people living around you.  

Check out the neighbors! Not just a quick drive by. Walk through the neighborhood, and talk to the people who live there.

Amount of Knowledge Required  

Remember when something broke and you called the landlord or property manager to fix it? You’re that person now. Think about the things that make your home cozy and functional: working heating and air conditioning systems and appliances, unobstructed sewer pipes and water-tight plumbing. If something breaks, you’ve got to fix it yourself or hire someone to do it. 

Know your house: the sprinkler system, water and gas valve shut offs, the hot water heater, water softener. Learn how to fix things. 

Yearly Maintenance  

Some systems in your house require annual inspections and tune-ups. Here are some of those things: 

You need to have your furnace and air conditioning serviced yearly. 

You have to drain your water heater once a year.  

Clean your gutters, pay attention to your roof, and take note of when to paint your home’s exterior or replace rotted pieces, things like that. 

Degree to Which You Become Attached to Your Home 

Live in a place for any length of time and memories – and feelings – will quickly attach to it. Leaving those memories behind can be difficult, especially if you’ve made improvements yourself that have left you with a feeling of accomplishment.  

You may fall in love with the place and have a very hard time leaving (selling it) – that’s the good news and the bad news. 

Spotlight on Mental Health – Confronting Fears and Recognizing Our Worth

Last month, we explored the two halves of the brain: the emotional and logical hemispheres. The divide between them explains the common struggle that many of us have. We know we can say no to others’ requests, yet we find ourselves saying a begrudging “yes.” We know we should be open with our spouse, yet we’re not. We know it’s time to ask the boss for a raise, yet we continuously push it off.  

Why is that? 

Experiences Wire Our Brains 

Every experience that we encounter in our lives, from very early childhood, wires our brains, and dictates what we fear and what we don’t. This is why a child in America who encounters a rat is likely to shriek and jump sky high, yet a same-aged child in Africa would be more likely to pick it up and play with it. It’s not about if the threat is legitimate or not, but rather how we are conditioned to think about things.  

This concept also explains why someone who was chased by a vicious pit bull as a child will find that his automatic response to a dog is run as fast as you can, even when his adult logical brain says don’t be afraid of that little fluff ball. Logic will not override a strong emotionally recognized fear. 

Let’s take it a step further. A child who is constantly rejected or criticized for being his true self – why wear your hair so frizzy? You’re such a dork, who listens to music like that? If you study harder next time, you’ll get 100 instead of a 94! – will develop a belief that there is something wrong with him. He will remain on the defensive, and hide his true self under layers of what he believes will make others like him. He will likely overcompensate his behaviors, always aiming for perfection to avoid mistakes, driving fancy cars and dressing to kill, and avoiding being vulnerable and real to others, assuming people would never associate with him if they knew the real him. 

This is especially damaging for those who have experienced rejection, negativity, or abuse from one they respected and trusted implicitly – a parent, teacher, or authority figure – since they learn to hide their true selves even from those they should trust most, such as a spouse, rabbi, or good friend. These relationships, which are cultivated through openness and sincere vulnerability, suffer as a result of this behavior. 

Why Therapy Can Help 

In therapy, clients explore the thinking errors, fears, and responses that prevent them from living as their true selves and with peace of mind. Therapy clients discover their own value and learn to be real, vulnerable, honest, and to be themselves rather than who they believe others want them to be. They learn to identify cognitive distortions responsible for depression, anxiety, and other afflictions, such as dismissing positives (that wasn’t a genuine compliment), mind-reading (she’s saying that because she feels bad for me), black-and-white thinking (I’m a bad parent because I yelled), and “should” statements (I should really extend myself for hachnasat orchim). 

In exposure therapy people learn to overcome their phobias by approaching them slowly, in small doses. That’s essentially at the core of all therapy: pinpoint the phobia – I’m afraid my rabbi will judge me if I open up, I’m afraid my spouse will look down on me if I assert myself, I’m afraid I’ll lose my friends if I say no – and then face that fear. Say Shabbat Shalom to three people in shul. Cook something new. Have that uncomfortable conversation you’re avoiding.  

Once we identify the threat – real or perceived – we can empower ourselves to face the fear and banish it. When a child is terrified of monsters under the bed, it doesn’t help to reassure him  “there are no monsters” or “I’ll protect you, don’t worry.” Most helpful is to lift the mattress to show there’s no monster. A therapy client learns to confront fear and discover it was unfounded, realizing that there’s truly nothing to fear but fear itself. 

This type of therapy isn’t new. The Rambam advises chronic people-pleasers to davka not give tzedaka if you have a hard time saying no, fearing letting people down.  

Next month, we’ll discuss more how this works, as well as how this concept can be the biggest barrier in relationships, and how overcoming these barriers can bring relationships to a whole new level.  

Dr. Yossi Shafer, PhD is the clinical director and a clinical psychologist at Empower Health Center, a private practice of multispecialty psychotherapists. They have offices in Deal/Long Branch and Lakewood and can be reached at (732) 666-9898 or office@empowerhealthcenter.net 

Gd’s Call to Avraham – and to Us

If you’ve ever tried borrowing somebody else’s pair of eyeglasses, you would immediately notice that they don’t work for you.  Every pair of eyeglasses has a specific prescription that is unique to the specific pair of eyes belonging to the specific person for whom they were made.  Nobody else can see properly with those glasses.

This is true of eyeglasses, and this is true also of life’s struggles and challenges.

The Arizal taught that every soul which descends into the world is charged with a specific mission, a particular tikkun (“rectification”) which it is to achieve.  No two people have the exact same personality traits, skill sets, strengths, or weaknesses; no two people face the exact same circumstances; and no two people are presented with the same challenges – because every person has something special and unique to achieve during his sojourn here on earth.

The “Bookends” of Avraham’s Tests

This concept sheds light on the remarkable story of Avraham Avinu, the father of our nation, which we read this month.  Not coincidentally, the Torah’s account of Avraham’s life and experiences revolves around “tests.”  From the moment Gd first spoke to him and commanded him to leave his homeland, until his final and most striking test – his preparedness to slaughter his beloved son, Yitzhak – Avraham faced numerous difficult challenges.  As the Mishnah in Avot (5:3) famously teaches, “Our patriarch Avraham was tested with ten tests, and he withstood them all.”

Intriguingly, these tests are “bookended” by the well-known phrase, “Lech lecha” – literally, “Go forth for yourself.”  It is with this expression that Gd commanded Avraham to leave his homeland and resettle in the Land of Israel (Beresheet 12:1), subjecting him to the grueling test of relocating in a new land and living as a foreigner.  And, it is with this expression that Gd commanded Avraham to travel with Yitzhak to Mount Moriah and offer him as a sacrifice (22:2).

What is the particular significance of this phrase – “lech lecha” – that it was selected as the “bookend” of our patriarch’s tests?

The commentators explain that Avraham’s tests were given “lecha” – for him, for the purpose of his realizing the unique, singular purpose for which he came into this world.  “Lech lecha” means that this was a personal, tailormade challenge through which Avraham would achieve his special “tikkun,” the one that nobody else could achieve.

The Ben Ish Hai (Rav Yosef Haim of Baghdad, 1833-1909) adds that this explains why Gd commanded Avraham to go “from your land, from your birthplace, and from your father’s home.”  These three expressions, the Ben Ish Hai writes, correspond to the three dimensions of the human soul – nefesh, ru’ah, neshamah.  Gd was hinting to Avraham that by fulfilling this command, he would be realizing the full potential of his soul, thereby fulfilling his unique purpose.

Avoiding Judgementalism

This fundamental teaching is crucial for us to understand, for several reasons.  One has to do with the way we look at the people around us.

People often become overly critical and disdainful of others who fail to meet their own standards.  There is a certain snobbery that sets in when we see people who are not as careful about the things that we ourselves are very careful about.  It behooves us to remember what the Arizal taught – that no people face the same challenges.  What is fairly simple and self-understood for one person is a difficult struggle for the other.  What for one person is an integral part of religious life that doesn’t require a second thought is a challenge for somebody else.  We will never fully understand why people speak and act the way they do.  We will never fully understand the mindset, the background, the pressures and the struggles of others, just as others will never fully understand our own internal workings. 

This deep meaning of “lech lecha” can profoundly enhance our respect and esteem for the people around us, by reminding us that every person faces his or her unique challenges, tailor-made for that person’s unique purpose in the world.

Growth Spurts

But there is also another lesson we can learn from this understanding of “lech lecha.”

Rashi writes that this expression implies “lehana’atecha” – that Avraham’s compliance with this command would be “for his benefit.”  The Rebbe of Slonim explained this to mean that it would be to Avraham’s benefit because he would thereby realize his purpose, achieving the unique “tikkun” which he was to achieve.  It is by meeting these challenges that Avraham would enjoy the “benefit” of self-actualization, accomplishing what he had come into the world to accomplish.

This expresses the second significant aspect of “lech lecha” – the notion that life’s challenges are presented to us for our benefit, to help us grow and achieve.  Whenever we face any sort of “test” in life, we must remember what Rashi here teaches us – “lehana’atecha,” that as hard as it might be to see how, this is to our ultimate benefit.

In fact, this might be the significance of the use of the verb “lech” (“walk,” or “go forth”) in the context of Avraham’s tests.  The purpose of tests is to help us “go forth,” to propel us forward, to spur a process of growth.  We might say that periods of challenge catalyze “growth spurts.”  We normally associate this term with the rapid growth of adolescents.  But Avraham went through a “growth spurt” at the age of 75, when Gd commanded him to leave his homeland and settle in Eretz Yisrael, and he experienced yet another “growth spurt” at the age of 137, when Gd commanded him offer his beloved son as a sacrifice.  This is the function of life’s tests – to move us forward, to help us grow and achieve.

This concept is expressed in the Hebrew word for “test” – “nisayon.”  We are familiar with the usage of the word “nes” to mean “miracle,” but this word also refers to a flag waved up high.  For example, when Moshe made a copper snake for the people to look at after being bitten by a snake, so they would be healed, he placed it “al hanes,” high up on a post, like a tall flag (Bamidbar 21:9).  Tests elevate us, raising us to heights we could never achieve otherwise.  If life was always smooth and easy, without ever demanding perseverance, hard work, patience and discipline, we would never grow.  We need life’s challenges and struggles to lift us up, so we can rise as high as possible.

The Two Greatest Challenges

Finally, these two “lech lecha bookends” represent what are perhaps the two greatest challenges we face as religious Jews.

The first is the need to leave our “birthplace,” to give up our bad habits and change our routines.  Over the years, we invariably will develop inappropriate practices that are very difficult to stop.  For some, this is an actual addiction, such as alcohol, gambling, and technology.  Others need to struggle to observe halachot which they were not taught to observe as children.  Another common example is the difficulty many adults have giving up childhood pastimes such as gaming and following sports, which consume valuable time.  Gd’s command to Avraham to leave his birthplace signifies the enormous challenge of change.

Avraham’s second “lech lecha” challenge, the test of akedat Yitzhak, represents the challenge of sacrifice.  None of us are ever called upon to make the kind of sacrifice that Avraham was commanded to make, but nevertheless, we often need to make very difficult sacrifices.  Businessmen need to sacrifice profits for the sake of Shabbat and holidays, and, often, for the sake of ethics.  Parents need to sacrifice for their children’s religious education.  We all must sacrifice to assist the needy and support our institutions.  Some of the most important, and most impactful, sacrifices that we make involve giving up something we want because of our values and our religious commitments.  These sacrifices are very difficult, but they are what lift us up and help us achieve our unique purpose.

Being Worthy Heirs of Avraham Avinu

One of the dangerous “idols” of our generation is that of comfort, ease and convenience.  People today are accustomed to accomplishing tasks swiftly or easily, at the touch of a button or the click of a mouse.  We are used to having “apps” and advanced technology to make otherwise complicated tasks simple.  Of course, there is nothing at all wrong with the convenience; quite to the contrary, technology saves us valuable time which can be used productively and meaningfully.  However, the danger arises when we cannot handle challenges or hardships, when we do not want to involve ourselves in anything that requires hard work or sacrifice.

The first words spoken to the father of our nation – “lech lecha” – instructed him to leave his “comfort zone,” to inconvenience himself, to go forth, to work hard, to take on the challenge to live on a higher plane.  These words are spoken also to us, the descendants and heirs of Avraham Avinu, each and every day.  We must start each day hearing the call of “lech lecha,” summoning us to move forward, to grow, to advance, to accomplish more, to rise higher, to strive for a new level.  We are not put here to “take is easy,” to relax, to stay where we are.  Hashem puts us where we need to be at every moment so we can progress to the next step, and accomplish something meaningful.

Let us resolve to be worthy heirs of our great patriarch, to continue working and advancing, step by step, even – or especially – when challenges arise.  Let us embrace every challenge as another opportunity to grow, to realize our potential, and to soar to greater heights of achievement. 

From the Files of the Mitzvah Man – A Small Item Can Mean the World

Pnina Souid 

Sharon, a woman in her forties, reached out to the Mitzvah Man Foundation not knowing if they would be able to help her. 

“I’m a saleslady and am experiencing severe hearing loss. I cannot properly serve my customers because of my hearing issues! I am afraid of losing my job. The hearing loss is disrupting my life. However, I don’t want to take money from the organization. I will be happy with refurbished hearing aids and would be able to pay something for them.” 

The Mitzvah Man volunteer told Sharon that they usually do not provide hearing aids. However,  he would send out a text to all the volunteers with a request for refurbished hearing aids. One volunteer responded. He was sure that he would be the messenger to fulfill this mitzvah. “This must be a sign from Hashem!” he exclaimed. 

Hayim, the volunteer, explained that he has a business selling on the internet. He looks at various new items to sell but always tests them first. Recently Hayim evaluated hearing aids and was extremely impressed with their efficiency. Hayim recently ordered  hearing aids to sell. He would be more than happy to fulfill Sharon’s request for a brand-new pair of hearing aids free of charge, not refurbished.  

These hearing aids were certain to change Sharon’s life for the better. Sharon was overjoyed when she learned that she would get the hearing aids. Being able to hear well would give her a new lease on life.  

Unfortunately, Hayim’s business deal fell through, but others saw the post for refurbished hearing aids, and a pair of refurbished hearing aids was located. Baruch Hashem, Sharon was able to have her sense of hearing restored. 

A Second Call for Hearing Aids 

Another call came in in response to the original post.  

“My daughter Frieda is 16 years old. She is deaf in both ears. After a certain age, our insurance does not cover the cost of the hearing aids she so desperately needs. She wants to live a normal life, have friends, date, marry, and have a family! Instead, she is living in a world of silence. Is there something that you can do for her? Frieda requires specific, expensive hearing aids, $6,000, to be exact.” 

When the Mitzvah Man spoke to Frieda’s mother, he really did not know what he would do, but assured her that he would try his best. 

First, he turned to Hashem. Then he remembered that years ago one of his friends who was a regular donor had told him that if he ever needed a large donation, do not hesitate to call. The Mitzvah Man volunteers had put tefillin on this man’s ailing father, and the man wanted to do something special for the organization.  

Immediately, the Mitzvah Man picked up the phone to call his friend. “Joe, do you remember the time you told me to ask when I need a sizeable donation for one of our cases? We need $6,000 to buy special hearing aids for a 16-year-old girl.” 

“I’m in,” Joe answered. “Just tell me where to send the check!” 

Within a week Frieda had her hearing aids and a new life!  

The Mitzvah Man stated, “We often take our senses for granted. The sense of hearing, just like the sense of sight, helps us to be a part of the world around us, to be with family and friends, and to enjoy life cycle celebrations. Baruch Hashem, we were able to help this teenager who is so happy with a bright present, and B’ezrat Hashem an even brighter future. Tizkeh l’mitzvot to the donor of the hearing aids. He made a tremendous difference in another person’s life.” 

To most people, a hearing aid seems to be such a small item.  To Sharon and Frieda, however, a hearing aid means the world. 

Dear Jido – November 2022

Ask Jido

Dear Jido,  

My mother, 65, has dementia. She loves my children but doesn’t remember their names all the time. My father, 70, is preoccupied with his own medical issues.  

I’m trying to stay helpful to both parents… driving my mom to her doctor, the grocery store, etc. She’s no longer able to drive. And I accompany my dad to his doctors, especially when he is in severe pain. 

Meanwhile, it has reached a point that my husband dislikes the fact that I no longer have time to spend with him and our kids. But I believe I have no other choice other than being fully involved. My other siblings live out of state, so I’m the only child that can help.  

I’m at a loss of what to do. I want to be there for my family, but I also want to follow my parents’ lifetime example of always helping out those who need it. 

Your advice would be greatly appreciated. 

Signed, 

Torn

Dear Torn, 

You have brought up a very touchy subject. Yes, it is very natural for you to want to help your parents, especially since they are no longer able to take care of themselves. Honoring your father and mother is certainly one of the important commandments of our holy religion. 

But there’s a catch. If necessary, it can only be up to a point.  

A rabbi of our community once told the following short story to a women’s class: 

A man comes home from shul one morning and asks his wife, “Honey, where’s my breakfast? And how come the kids aren’t dressed for school? And why is the baby crawling around with a dirty diaper?” 

She politely answered, “I didn’t finish praying shaharit yet.” 

The rabbi explained, the reason that women are exempt from positive commandments that are time-bound is because their primary responsibility is to their family. Hashem says, “You’re taking care of your family? I can wait.”   

And although honoring parents is a 24/7 mitzvah, your husband has the right to say in an extreme case, “I come first, get someone else to help with your parents.” 

Of course, this would not be the best solution for a happy marriage, but your husband does have that right. Therefore, you need to work out a schedule that accommodates all parties. If necessary, get a part-time aide or even a community driver who is sensitive to the needs of your parents. Most important, make sure to schedule plenty of quality time with your husband and children.  

In the merit of your untiring devotion to all of your loved ones, may you be zocheh to be with your entire family in times of joy and good health until 120. Amen. 

Jido 

Hacham Yaakov Hillel Visits MDY

Last month, the students and faculty of Magen David Yeshivah were privileged to receive a visit from the esteemed Hacham, Rabbi Yaakov Hillel, the Rosh Yeshivah of Ahavat Shalom in Israel. The rabbi was welcomed to the yeshivah by MDY’s  kindergartners and first and second grade students.  The third and fourth graders lined the lobby as Rabbi Mustacchi’s MDY Boys choir sang a warm and beautiful rendition of Yahid El Dagul.

Rabbi Hillel was then led by a procession of rabbis, faculty members, and Principal Rabbi Ezra Cohen-Saban to the stage in MDY’s auditorium to address the fifth to eighth graders.  The rabbi’s message to the over 400 students and faculty was to remember, honor, and respect our heritage and not to forget where we came from, and to let Torah permeate all aspects of your life.

“The children of the community are the future of the community…knowing where you came from will help lead you to where you are going,” were the words at the heart of Rabbi Hillel’s message.

The visit was an inspiration to all the students.  “The rabbi’s visit put everything into perspective for me,” commented eighth-grader Nate Ben-Zaken.  Aaron Cohen added, “From the moment the rabbi walked into the room, our eyes lit up like diamonds!”  The rabbi’s visit was truly impactful on our students; they will remember this day for years to come.

At the end of his address to the elementary school students, Rabbi Hillel was joined on stage by the entire rabium of our school to capture this memorable and historic moment.  He left the building with a throng of students and teachers surrounding him, eagerly awaiting his greetings and blessings.

This special and memorable morning at MDY came on the heels of the Hacham’s visit to Magen David Yeshivah High School the day before. Rabbinical leader Rabbi Eli J. Mansour ushered Rabbi Hillel into the bet midrash where the young men of the yeshivah greeted him with song before hearing his inspirational words. He instructed his listeners to have patience with Torah and to let the Torah affect all aspects of who you are, not just intellectually, but spiritually as well.

Before leaving, Rabbi Hillel spent some time with the young ladies of the yeshivah and gave them a “Blessing for Queens,” expressing how important women are for the continuation of our beautiful community and heritage

A Son Remembers

Moshe Lagnado   

Like a rose amongst the thorns, such is my beloved amongst the daughters. 

King Solomon describes the Jewish nation as untarnished even though she dwells with the pagans. This description is also apropos for my father. 

My father, Edouard Lagnado, zt”l, grew up in Egypt in a traditional home. In 1958 his family fled Cairo. Fate directed my father and his young family to San Diego, California, where he would live for the rest of his life. 

San Diego is a beautiful city.  The weather is excellent and the residents are relaxed and friendly. If you are not Jewish, it is a wonderful place to raise a family. In 1960, the Orthodox synagogue did not have a mechitsa, used a microphone even on Shabbat and holidays, but used a traditional siddur. The city had no Jewish school or a kosher bakery. Despite these negative factors, my father decided to settle there. 

Many other Jewish families fell in love with the city and created for themselves a new life, but in doing so they sacrificed their attachment to Torah. My father held fast to his Judaism. He made sure that his children had a proper Jewish education. My sisters traveled to the east coast for high school. I was sent to yeshiva in Los Angeles at thirteen. This was unheard of in San Diego at the time. I can imagine the ridicule my parents endured for their decisions. My parents knew what was right, and the scorn of others would not deter them. 

The Tzadik of San Diego 

My parents determined that my bar mitzvah would not be celebrated in a Conservative synagogue so prayers were held in my aunt’s large family room. The reception was at a major hotel. The food was a beautiful fruit plate, prepared under the supervision of one of the Orthodox rabbis.  

My friends complimented the beautiful fruit plate wondering what the main course would be. I was embarrassed because I knew that was the main course. My shame was short-lived because one of the rabbis spoke about my parents’ commitment to Torah by having a gorgeous party that was 100 percent kosher. The rabbi said my bar mitzvah was a historic event, a first for the city of San Diego – a bar mitzvah that celebrated a young man’s entrance into Torah obligations with only kosher food!  

My siblings and I called my father “Pap,” friends called him “Eddie,” business associates, “Mr. Lagnado.” As time went on, what people called him started to change. In shul he was called “Hacham David,” younger congregants preferred, “Baba David.” I pondered what changed, so that my father was looked at as a holy man when I remember him as an unassuming individual, very private in all his ways. 

In truth nothing changed, but people started to recognize his devotion to Hashem once he retired. From 65 until his passing no one in Southern California attended more minyanim than he did. Every day he attended prayers for Shaharit, Minha, and Arbit. More times than not he was the hazzan. My father prayed in a Chassidic minyan, and he was the hazzan of choice. The congregation enjoyed his clear pronunciation and his heartfelt kavanah. Immediately after prayers everyone would leave, and he stayed to learn a little. After a while most of the men started to stay, too, and the rabbi engaged them in a class. 

My father made friends easily. When he reached his 94th birthday he began to need help from his friends. My father’s apartment was on the third floor, and it became difficult for him to bring the shopping or the laundry up the stairs. His friends were always there to help. Once I mentioned how much I appreciated all that, his friend replied, “Moshe, your father is a holy man, and this apartment is a sanctuary. Some people go to synagogue to find a holy place. I am telling you there is no holier place like this apartment in all of San Diego.” 

My father’s memory, with Hashem’s help, will live on with all who knew him. May his blessed memory  serve as a tool for all of us to follow in his ways. Amen. 

Our Vote Is Our Voice

Two years ago, I wrote the article below, and it could not be more relevant today. Now, more than ever, we are seeing the ramifications of not voting.  Our quality of life, home values, and the critical organizations we depend on are at stake.

“I have NO idea who my councilman is, let alone my state senator or state assemblyman.”  

“I think I voted once because I was home that day but I can’t remember what election it was for or who I even voted for.”  

Vote?  No, I don’t vote.  I’m a Republican and New York elects Democrats anyway, why should I bother?”     

“I don’t get involved in politics.” 

“I don’t know where to go, or even what to do, and I am embarrassed that at my age I have never voted.”

Unfortunately, these are real responses I have gotten when simply asking, “Do you vote?”

Recently, while on a community-wide zoom town-hall, a woman went through a list of complaints about radical Democrats while the elected official attempted to explain to her the importance of voting. When she finished, I messaged her privately and asked her, “Do you vote?”  I nearly fell off my chair when she typed back, “Why bother?!? Nothing changes. Is my one vote going to change anything?” I replied simply, “Your vote is your voice, and so by withholding your vote, you are silencing not only yourself, but the community as a whole. Mrs. X, it’s time to SCREAM!”

Democratic Primaries Are the Key 

It is true that New York City is predominantly Democrat, but wherever one falls in their personal political views, if registered as a Republican, they are unable to vote in the Democratic primaries.  This can have disastrous consequences.  If we as a community want to shape the landscape of the leadership, we must be willing to shape it. It has never been more important to simply go out and VOTE.

In September of 2019, SCF published an article informing the community that “Progressive Democrats, feeling empowered by a handful of high-profile victories have now thrown their weight behind any progressive trying to unseat moderate Democratic incumbents.”

Virtually all of the competitive elections in Brooklyn, Manhattan, and recently, Queens, are, and have been, decided by Democratic Party primary elections, which are held in June of each year. As of September 2022, the governor, state senate majority, state assembly majority, attorney general, comptroller, mayor, city comptroller, every borough district attorney, NYC public advocate, as well as four out of five borough presidents, and 46 of the 51 New York City Council members are Democrats.

As the city and state continues on a leftward tilt, it is clear that our community must have the ability to vote in the Democratic primaries. This will have an influence on which Democrats run in the November elections. Strengthening our voting numbers in these primaries will greatly encourage candidates to support issues that are vital to our community. The stark choice these days is between a moderate Democrat versus a progressive one. 

The Power of the Community Voting Bloc

Moreover, we must turn out for the general election vote each and every November.  Politicians pay attention to how many people come out to vote – even if not for them. Our community must be seen as  powerful to make our voices heard. 

This is not to be taken lightly.  Recent events have left our community fearful and vulnerable.  We have been too silent.  We must take this seriously and make our concerns known by using our influence as a voting bloc.  Elected officials must see and know that we will go to the polls, we will support those who support us, and we will stand together to take action on the needs of our community.

Make the effort – VOTE in November, VOTE in future primaries, use your vote as your voice.

Sari Setton is the Executive Director of The Sephardic Community Federation. 

Once Upon a Thyme – Salted Caramel Pretzel Hot Cocoa Bombs

This treat has maintained its popularity for good reason. It breaks open in the most
captivating way – releasing its contents and instantly creating an extraordinary cup of hot cocoa. Cocoa bombs are a great activity for cold winter nights and make great hostess gifts as well. You will need two half-sphere silicone mold trays with six cavities each for this recipe. If you don’t want to purchase molds, you can use paper cupcake liners and add enough melted chocolate to cover the hot chocolate and marshmallows completely.

12 ounces high-quality caramel flavored bars or chips
2 ounces high quality chocolate bar or chips
6 tablespoons hot chocolate mix
1 cup mini marshmallows
1 bag pretzels, broken into pieces
Maldon salt
6 cups whole or 2% milk
 

  1. Melt chocolate double broiler style: Fill 2 small pots halfway with water and set over
    medium-high heat. Place a heat-proof glass bowl in each, making sure that it fits
    securely on top of each pot without touching the water.
    2. Place caramel chocolate in one bowl and regular chocolate in the other.
    3. Coat the molds with the melted caramel chocolate. Drop 1 tablespoon into each well of the half-sphere silicone mold trays. Use a brush to spread the chocolate up the sides
    and over the edges of the molds by just a bit. Place in the freezer to harden quickly,
    about 5 minutes.
    4. Fill half the spheres with 1 tbsp hot cocoa mix and marshmallow.
    5. Wearing gloves, gently release the remaining 6 unfilled shells from their molds. Use a
    pastry brush to coat the sphere rim with melted chocolate to adhere to the filled shell.
    6. Let sit at room temperature to harden and set, at least 15 minutes.
    7. Drizzle with melted dark chocolate and quickly top with extra caramel chips, pretzel
    pieces, and Maldon salt. Using gloves when decorating or moving the cocoa bombs
    prevents fingerprints.
    8. To serve the chocolate bombs, heat 1 cup milk for each hot chocolate bomb gently on the stovetop or in the microwave for about 2 minutes until very hot. Place the bomb in an empty mug and then pour the hot milk on top. Stir when chocolate bomb breaks open.