Daf Yomi Bava Metzia Daf 50 by R’ Eli Stefansky

[Music] good coming out live from Chicago today we're going to be doing one of the most famous suas one of the easiest famous so but before that we'll do a few emails learning the da with sansy on the plane while on my way back from a stansky wedding in Chicago last week so first of all I didn't know about this wedding Mish yeah they're mishak all the fanes are Mish I guess if wasy wedding which sty was this K's from Chicago interesting I know there was a here or at least the wife was okay du I'm sure would be interested to hear that he was was shocked when I saw this shock originated the idea that is nored up their cup it's literally I mean word for word what I said I didn't I I don't think I ever heard this from hner and when I when he I saw this email was very um interesting it's it's disturbing because it's like as if I stole it from maybe I heard it then just my subconscious okay or so P that we just came back from my grandson's bris his name is yob Yeshua and he listened to the D with me thought You' enjoy glad you made it to Chicago I'm going to leave the volume off because of the feedback that we're getting but here it is bring a kid into the world with some says I forgot it was mother used to bring the stroller into so there is who is it I don't remember here's here's AB you ready for a little question part of made a tremendous difference to me thank you for all that you do when we learned you said that there are five that were brought on sh I don't remember the fifth one says a second you hear this look at this wow a from Chicago how old are you now 14 unbelievable no you found it how do you remember that AB that's whenever someone comes up me you don't remember anything that's question she ask that question nobody get it right you get to what about the Riva you ask the Riva NOA doesn't like when you do that okay you having ab's father having no matter how busy you are always do the daer daing away after a busy day subject is it's all about the da me Overlander sent ah look at this fire pit M the cigar chilling and doing the D oh what does he have in his hand over there like some drink ALS the sponsors sponsored by anous for the safe and Speedy return of all the hostages business and all my and all my endeavors Edward gster in memory of my beloved mother-in-law Helen whites for the art Anonymous for for easy child birth for his daughter and a healthy baby learning the of know is if you are selling something or purchasing something and there's a difference in the price of a six which is basically 16.6% let's call 16% difference whether you're the seller and you charge more whether you're the buyer and you paid 16.6 less you're over does know there are actually three three categories this exactly enough 16.6 there's more than I know 16.7 20% 30% 50% more and there's less than 16.6 charging 5% so we're going to in a few minutes we're going to get to the Su of tagor and basically we're going to try to understand what's the when you charge more or you charge less Etc there's a few very interesting questions there's a a story in person put out the got aot ha oh was there took a picture I don't know if he's happy about that okay so interesting M sh there's two suit stores next to each other and one suit store charged a lot of money for the suits and the other suit store sold the same suits and a big sign same as the friend over there crazy discounted prices so of course everybody went to that other store is the good good quality suits not made in China the good Real Deal turns out what what happened both stores were owned by the same individual and in fact the great deal on the suit from the second store wasn't a great deal he overcharged at least 30% more is that a does he have to return the money yes that's That's a classic case of the other stories but this is so that's a situation so let's see let's jump into this yesterday we had a is this 16.6% is it market value or is it the amount of money that you pay so let's see for a second here's something I forgot to show yesterday sir told you the price is 6,000 come on buddy I know you can give me this this for 50,000 so that's enough well depends if he if he charge him 60 instead of 50 so if you charge 60 instead of 50 if it's worth 60 and the guy paid 50 who got ripped off the seller it's worth 60 he paid 50 going from 60 to 50 that's a in the value of the object and here's the in the in the money it was worth 50 and he paid 60 then the customer paid more and that's a six in the money from 5 to six from 50,000 to 60,000 let's see rash and top over to going from six to five is a sixth of the value in the market but when you go from five to six that's 16.6% of the Money Paid okay St is thck but it's there going from 5 to six is actually 20% in the value of the object but only 16% in the money going from six to five is 16% in the value and 20% in the money of theion both ways is you know it doesn't matter if it's a sixth of the money or sixth of the value and R says no only sixth of the value this the same thing as say not really not really kind of same it right it sounds like it but slightly off the answer is no but I know exactly what you're saying but he's asking if this it really does sound like it but slightly different says bring you exactly like the one that suffered the loss whether it's the buyer or the seller his hand he has the upper hand goes from five to six that is 16% Mo right 5 to six let's look at the chart again in the card five to six is mice that's this is exactly right here the buyer he was charged extra therefore has upper hand he could decide either give me the difference or give me my all my money back says exactly what says that even a case of charging 16% 16.6% on the money not on the you also get a return okay that's not important to us this case this is already a case of 16% in the me which also agrees to who lost that over here because instead of selling for six he sold it for five he lost 16% the decides decide whatever he wants bottom line is you See's right in this case we actually passing like that know is both on the and on the whether there's a 16% difference in the market or 16% difference in the money that was given in the Mish now we're going moving over to the of L Today l you know what lud is that's where the airport is so you can think about the taxi drivers there they're T they're always upcharging I myself got ripped off a number of times the duty free maybe a rip off okay in the mishna it says a case of 16% 16.6% it's called they not now the mission says that he has a person can take it back he has enough time to ask a professional ask your relative it's not that much time a few minutes let's call it an hour whatever it takes then the the M tells us about reti reti says retir says that you could go up to a third you could up charge a person up to third or undercharge up to third everybody's very happy with him that are very happy and then they realize no because rep gives them a much larger window to take it back it's all day so yes on the on the one hand you gain up to third but on the other hand they can take it back and they're going to speak to people it's not worth it the side it's not worth it gar now just wants to figure out what happens when it's less than a does but when immediately or you have up until the purchaser go as professionals that's the so good and on the flip side the other the other way as well when it's much more than more than a which is a different category here let's let's see if we have something here for that just the different this is another way to show the the me the I just want to show that because I know it's confusing if he paid $50,000 for the Tesla but it's really worth $60,000 so he he took from the seller a sixth of the value but if it was worth 50,000 and he sold and he paid it was worth 50 and he paid 60 so that difference is a sixth in the money okay let see that all right this is just very very simple you have is exactly 16.6% that's the purple less than that is a more than that then the whole the the whole purchase is bottle okay in the middle you give back the difference if it's much more if it's more then bottle if it's less and the guy is M so I'm just going to preface this by saying that if this so was learned Ina this so would take many weeks days months and I'm not claiming to understand the so I'm explaining it I'm dumbing it down as much as possible so that we get some basic stuff and we move on it is and it's interesting some D should really take three days some D should take five hours some D should take 20 minutes day regardless of the amount of words the amount the type of so that being said we're going to go V we're going to see what we can do here question yeah just in concept here with with how did how did anyone make a profit if every if every sale is going to be judged on basically a 16% differential yeah that it's 16% or more it's either or you got to get it back how did anyone make a living first of all we saw RAB hudo I don't know if you heard him because he didn't hear him he's asking how do you make a living what they did in those days and what we do today they live differently then okay so we saw that rabuda when he sold his wine he was trying to make you know I don't remember how many how much percent it was like nothing it like two 3% that was like that's how we live they weren't like us they didn't they weren't liveability today yeah yeah real estate real estate is Good's real estates you can make a lot of money what it's over the going market rate it's not exactly no it's true that's also a very good point it's the market rate so if the market rate is to make 50 % and you charge the extra 16.6 above the 50 now yeah doesn't apply you're allow to make you're allow to charge you allow there's a certain Market what is the market they don't the market doesn't care you as uh a wholesaler you're allow to make you're allow to make your a retailer whatever you are you make your but don't overcharge the 16% people that sell suits they they're allowed to make money but he charge 20% more than everybody else with his fake store next store all right so does it apply to service too like servicing a person like like only tangible what's the market for this particular service every person who does a service does a different yeah I don't know I don't know service all right so when we're going less which is should be how quickly is this m applicable does it happen immediately when you leave the store and the guy ripped you off by 15% not 16% you m him right away or you still have that ability to go ask your relatives blah blah blah and then you come back to the store and say listen I want my money B could you do that it's interesting stop what happens if you let's say you even have a whole day according toti you have an hour you have two hours 3 days go by you lost your chance to get your money back now you go to your relative yes your relative he's you know he works he himself sells suits no good deal or not a good deal what's the relative supposed to tell you it's already too late you can't get your money back so now what is he supposed to tell you tell got a good deal why because he can't do anything about it make it feel terrible that's right that's not it's too late now it's too late it's too late now I don't know in terms of saving him from buying again or whatever okay fine so it's true that's what says you got you got to tell him it's good otherwise the buyer will feel bad he can't do anything about it anyway tell him great it's unbelievable suit M quality to hold it that's the that's what hasm wants him to do that become that's the wants you to be he wants the guy can't do anything about anything so what are you going to do your choices are make him feel terrible or not doesn't want you to make make him feel good that becomes the new you say okay now just in case you don't understand the question you tell me well obviously if if it's not a right away and he has this a lot of time he has two hours to come back to the store and get us 15% back then you're gonna ask if it's 16.6% you have one hour to take it back if it's 5% more than the market you have one hour to take it back so then what's the difference between 16% and 5% in all situations you have that exact amount of time to go ask your relative and come back to the store and get a refund so I'll tell you there is a big difference there is a difference because if it's exactly 16.6% you that got overcharged you have the upper hand meaning if he wants just get a full refund if he wants you get the difference the 16% difference but the but if it's less than 16% what's we're talking about now let's say 5% he got overcharged by 5% no no no he he can't void the whole purchase he can just go to the store and demand the refund on the 5% okay the bottom line is I want to know does he have that one hour window or not my so let's repeat the story what happened over there and this is very important to the that's why called the tells us that 16% says no it's 32% whatever it is it's aish it's 30% okay Co 30% it's aish 33% 33 whatever just I want the punish okay 33% I I like round numbers 33% so of course all the sellers were very excited now they can make a ton of money they can rip people off up to 30% more than the market gal it and then when they found out the retirement says it's a whole day you can take it back a whole day they said no no no no let's go back it's it's better for us to have something solid we'll take people for a ride for 16% but the they can't take a back have a very small window they could just ask the relatives let's call it one hour versus if they have a whole day then we won't make any money we'll beaz we'll try to get 33% more and then they're going to people are going to tell them seconds hey you overpaid for the car run right back to the to the dealership and get all your money back it's not okay so from that from the from the idea that in the beginning they were excited and then they took a bag we could bring a riot what's the ri so the beginning there's no difference between and in terms of it was just the number 16% to 33% but the remain the same if over here I have to return the the return up 33% if the whole is Bott is Bott whatever the are by 16% that's the same it's just retire extended and he said no you can go all the way to 33% if the doesn't happen instantaneously but you do have some sort of window there you have an hour to show it to your friends and to get their opinion about it and according T you have the entire day okay great makes a lot of sense why suddenly when they realize every in life it's almost everything in life is like that you think this is this is better then you find out but yeah the it's better but you also there's another there's a there's a con the pro has a con right I don't know about everything I know about airplanes that's how worked with airplanes any plane that can fly faster it just means it it eats more fuel and it costs more and it could hold less people less it was always a trade-off this you can never get the perfect plane ever if it goes slow then it costs less and if it goes fast it costs more and if it goes this and it's larger if you could sh up your whole family then it goes slower everything in life also I think it's like that almost in everything you you pay what you get you get what you pay for and up so I'm all excited because now according Tova and I could charge people 33% versus 16% more but guess what it comes with a little bit of a there's a little aspect on the bottom it says well the person could ask his family for a whole day he could make a lot of phone calls he could go to a lot of dealers and then at the end of the day you know what it comes out that it's not so that's according to you only have one hour according to you can take it back and get a refund the entire day that's why didn't like this re they went back to they said you giving me more honey but also comes with a sting I don't want it but according if you say that L than 16% according to we're trying to prove this point the happens right away or it happens an hour later you say that it happens immediately imately am I then what was bad with sticking with reant you just gain by going with re there's no with retir they should stick with the re they could upcharge people 33% why would they want to go back to that could only upar 16% according from the 16% all the way to 33% according to the the I'm sorry the part the up to 16% according to to Ri so they have nothing to lose by going by going with RI okay sponsors uh kidovations my by official mitvah moing for the daily Lear Brothers grandfathers see so another very interesting story before we jump into the ter of the there was a mechanic he had a great trick first time you bring the car to him he never charged never charged honest [Music] guy second time you bring it to him he he undercharged you're always undercharged so fix your transmission all the mechanics take $1,000 he takes 500 now he locked you in now you saw listen the guy's M honest first time he said listen I can't charge you this is it's nothing for you know what I worked on two hours I'm getting to you for free second time you did your research 500 the third time no research there's no research ding ding alternator $700 instead of 200 so kids a guy caught on to the trick he goes back there and he says listen I what's going on there you overcharge me so what's the so for the overcharge we said so know has to pay back you give back the whole thing whatever it is so the guy says yeah but you know what now I want to charge you for the transmission regular price that's already big so they passing that no you don't have to pay for that but here's another sh in that question the question continues could you tell your friends I have a great idea go to this mechanic twice third time stay away are you allowed to tell people to do that what do you say what yeah own game all right okay so just to to look what's going on over here I think this makes it very very simple and I love to I I always say this that even if you don't understand the word that's going on here but you saw the chart move and that that part you understood the one from Green I get the chart we're looking at the left at the left column here and we're we're saying that according to all the way through the part 16% according to to would be he says no look look what happens let's just look at the chart no I didn't say that I said that according to it's not going to be not it's not that it can't go back it's a 16% is less than 16% is M but the the whole that whole range it's not that this m all the way till 16% and re is just saying that from 16.6% to 33% that's where they know is no the entire thing is a know so then what is the difference between ra and look one is purple one is red what's the real difference oh the real difference is who could take it back who could retract if it's a real then both parties can retract let's see says gar like this you think that less than a third of is like less than a 16th of in other [Music] words when it again says you think that there's a according to all the way so 16.6% no it's going to have the same like say when it's exactly 16.6% which is Boom know okay so gonna be from 16% until 33% according to ra that a they both parties could and walk away and according to only the purchaser could walk away if there's no difference between look at this there's almost no difference between and so why were they so happy oh so over here you could you could right one is red one is purple but it's basically the same thing it's so can't you from here resolve our question from here you see what's the difference why were they so happy they were so happy that was so happy because according to you could take it back forever and ever look at this more a picture I like this picture that he did hold on let me get the picture and I'll show it to you I thought it's he's a kiss this guy Yoshi oh I love it he's bringing back his Commodore 64 in 2024 he's like uh you overcharged me 16.6% or 17% I can take it back Lo here I am I'm I'm here I want my money back so that's a big problem and rant says no you don't get L you you can't come back 40 years later maybe flowers I I I've seen in cast people bring back rotten fruit they do it they they think of that it's part of the thing they they know okay small percent of crazy people that do yeah and they they take the law what was it there's something over there okay so [Music] and according to there gonna be a small window the according to because said that from 16.6% in other words from from to 33% is why because said the window is very small so you could lack your you can rip people off and don't worry about it they have a very small window but once he told he told him no they have a whole day window is not so small because if you hold if you think that according to you do have time to show it to your relatives according to both Rabon and there's a very small there's a window this small window so where is the say tell you where when it's exactly when the upcharge was exactly 16.6% that's where the Sim was why just like less than 16.6% this the the buyer says forget it okay so so to exactly 16% 16.6% no there's no stop a joke has to do with this politician comes up to to Heaven they say you know we let you choose Gan or G so he show him gete him golf courses stores everywhere shopping malls hotels beautiful residences unbelievable then he takes him for tour then he sees the people learning the whole thing politician says I want him get fine we to get him he's there for like a minute and then the says okay turn on the Flames let's go so he says what's going on I thought he said things changed it's modern modern world is he said you know that was yesterday when there was a campaign but since you voted for for that's it now your life thin you're done now we're doing the same kind of but on the other thing remember we had to go back here a little bit this simple chart we have here I know is 16.6% that's in the middle have to give back to we discussed if you're could you go and at the end of the day we hold that by m it's the happens right away doesn't happen after time but what about if you charge more more than 16.6% the fact when you charge more than 16.6% more than according to you could bring back the commodor 64 55 years later you only have a very limited amount of time an hour let's qu five 10 minutes an hour and if you're gonna ask me the same we had before if you're gonna ask me then what's the difference if you only have a small [Music] window then what would be the difference if a person charged exactly 16.6% or if the person charge 20% more both of them have a very small window or a window to show to your to your relatives to the to the pros so there's no difference really I'll tell you there is a difference when it's exactly 16.6% the individual whether it's the buyer the seller he has the right to take it back if it's more both are able to take it [Music] back so in the beginning yeah so we're talking about Lo in the beginning they loved rip tar tyon came up and said listen I'm going to extend the amount of money you could take from people instead of 16.6% it's 33% but they love D tyin when it was a case of exactly 16% why because according to the happened immediately so they locked in their prophet and according to no but then when told him they you have a full day then they didn't like him anymore so give give us now the you have enough time to show it to your relative now makes sense they like but then they realize is not that good for them you have more time to take it back you can take it back forever is better take it back forever let's stick with the retire not only could you go up to 33% but you you have less time to take it back it's one day Accord according to it's a lifetime people don't usually charge the reason why you're right in a case of in a case of charging more it's better off to go with rire but at the end of the day how how often you as a seller are going to rip people off more than 16.6% it's very rare So for that Rarity they didn't take that into consideration they don't care Oh in the rare case retire is better than and according to retire you only have one day but that's if that happens it happens but they're doing regular business regular business is 16.6% and less not more what 44 44 minutes okay we're almost done here that's it we we finished the the difficult part at least we schmeared it we went through it as here's an interesting sh what about a hotel I think these are questions that everybody knows but to you go into hotel lobby and they charge you $10 for a cup of coke which comes out of the the fountain cost them 22 cents maybe with the glass whole thing is that a you know no that's maret oh so first of all answer number one that's the market and hotels but another shot would be no because you're paying for the whole atmosphere in it's not AOS wi Market that just keeps on going up 2030 but that's what he's saying that's the market that is the market who size the market that's that's the question who decides the market that's why when they started it was $30 year goes up $5 no and by the time you look around I just $30 65 became it became already Black Label mat $70 I'm saying who decides the market value I don't know but if that I'm not ripping I personally not I'm Jewel I'm not ripping you off because every store in the world is selling for question is supp uh the guy that has the Monopoly without names but okay I hear I just want to tell you something very interesting you know you go to you go into a regular hotel lobby you see like five couples sitting around he started charging now $70 a couple 250 shek something like that $67 the dating just to sit there wow used to be free so oh I don't know which ones that's what I heard all right we're almost done literally two minutes very very simple this is what we passing today we have three options right we have exactly 16.6% we have a little less and a little more okay so the sale is valid that's it it's in the red then the sale goes five if it's exactly the 16.6% it's return the difference you have enough all the cases you have enough time to go show your friend and you real and have proof to this L the sale is valid more than exactly 16 the seller he's in control either give me back my product that I sold you because you ripped me off or give me the difference in money have a wonderful day e