Daf Yomi Bava Metzia Daf 62 by R’ Eli Stefansky

[Music] a good welcome welcome an hour before daving uh this is the second she we did reminds me I was in this very H through for some reason sends the interesting during P when we have to do two three was more interesting because I had do three in one day now it's only two so it's happens to be very easy stuff we're not into anything difficult stuff it depends where you are and what you're doing this is the reminder it is sponsored 10-year-old girl uh Mark sent me this this is Rabbi nman Simon of Al New York he I believe he's a rabbi there learning the da of the six-year-old grandson nothing better than learning the D and look it look where his fingers like another AAS fingers on the spot the six-year-old [Music] very and it's interesting that um I was just talking about children in that part where candies for children it doesn't Flinch the kid doesn't Flinch don't worry parents give money to go go go buy wine she goes to the store and gives out candy she's not going to go to the guy so you're Hur and this is by shimmy Brun who mat ate the entire PES I had an idea for him actually my boys have a CO you should see how many people smile when they see the mdy license plate on this kid's car um one of the ideas I had if if the matah bakery was owned by par so what would the matah box look like MD it be mdy everywhere with a little tiny logo of Bor Park matzas just I'm throwing it out there I don't know if you want to get involved maybe a small thing spons byous for the safe and speed return of all in all myors another terrible thing and I don't know what also the son of they should find the art this easy child birth his daughter and healthy baby we had a little bit of here ifib which means rib if this true ribus could you go to the BZ and exact it and take it out and have it returned to the borrower why does rebar say that you could go to bz and take it out from bz says we're continuing with Stu on we finished with going into to explain the rest of the M your brother shall live shall be alive with you you should give it back to the so that he could live oh somebody asked me overheard the shear and he asked me now I'm just hopping right now so what's the connection between a murderer and somebody who takes ribbers so I started telling him taking ribus you destroy the guy's life but here it is the T says that you're not allowing him to live it's taking away his life when you put that kind of pressure on a person he can't he can't make it everything he earns goes to interest you're taking away his life listen to this you're not gonna believe this case here we go beautiful picture ah two people are walking in the desert and one of them has a battle of water but only one of them if both drink from the Battle Mason they both die and if the owner of the battle drinks from it he'll be able to reach his destination says it's better that they both drink and they both die so comes up and says it doesn't make sense but I'm telling you both people drink and they both die but I own the water too bad this is the that is learning [Music] from your life with you when does your brother live with you when you're alive he could he could live but your life comes before the life of your friend believe says over here without you'd go with B ah it doesn't make any sense to you I'm supposed to die it's my water why should I give it to him yeah that's the sometimes you don't understand you don't need to understand you need to know the and follow that without understanding although I saw might be saying something different we go toim says and this if you find the Kaz mat on the floor you're in Europe and there's zero matah you found the last final piece of matah do you share with your friend you give half and half you take it to Kaz for yourself so he says that from this G you could say if when it comes to gash your life comes before your friend's life so certainly when it comes to Rus your life comes before your friend's life and therefore you take take the mat and you don't give it to your friend so what do you see from there I was talking to somebody here in the hotel somebody from Toronto said new what's going to be when are you going to start the da every year he says look I work half a day and the other half a day I do so I told him this without seeing this gar and I have to go tell him tonight I said your life comes before the you have to do for yourself first with yourself then you do with other people you don't do the whole day for other people nothing for yourself you got to learn TI for yourself listen to this so the sh Chua brings a story this could but it seems like I don't know have to understand he argues on this brings a story that there was a very wealthy person who wanted to purchase a little of an for the the big that was his name and there's a guy there's only like one es I guess and the the guy comes to buy for and another person comes and starts bidding and there was a war and he started upping the price he says what are you doing I'm trying to buy this for the the guy bought it so the said that that guy was right that when it comes to mitv there's no there's no you fend for yourself you buy your own Mitzvah yes this a g that wants it you come before the G this saying this why have to why can't be a this is before existed this not this a real the time of brings this this way before there was LX are only 250 years old we talking about yeah a long long time ago no no no way before says thear but so you hear what's going on here there's a there's when it comes to mitz he says you don't give covered you take it for yourself interesting thing so I'm saying again I'm going to I'm making I'm making this announcement if you're one of these guys that's busy and Salah whatever first yourself first you learn to for yourself then when you have time then you go out and you do fathers so now we want to see if this is going to hold up this idea that when you take rib you pay you're Thea and you paid the malva you're the borrower you paid the lender rib can you go to bzen and take it back a father dies and left over but this full of money from rib Sons no this is the pile of Interest money you don't have to give it back but what about the father himself it says only the sons don't have to as we had yesterday or this year before but a father has to oh so this seems Seems like you go to bed and you return it says no no no could be that the father doesn't have to return When a father leaves over something that everybody knows here that car that cow that suit anything that's very notice you know who owns it those are the items that you must give back because even after the father dies in The covet of your father after his death you don't want people shooing oh you see that cow you see that car he took a bbus from somebody else give it back so Ora what is it talking about there I don't know okay oh Gazo yeah Gazo talking about Gava so since the ra talking about so to so we just stuck it in also that the father you give back uh the father should give back when it comes to ribs that's how that the father shouldn't be embarrassed when it comes to he stole somebody's car give it back after his death what have to give back something the father did wrong listen to this sorry we just had other day but here it is again it says in the you should not curse the in your nation you shouldn't curse anybody and we learned hear this I mentioned it says I don't want to say this but again here we see the point when a person doesn't do he doesn't act like a Jew what does it mean doesn't mean he does 25 a one a called interest ribus he's over and he keeps on lending he's not he's not he doesn't act like a Jew and if he doesn't act like a Jew I don't have to honor him after his that so says at the end of the day if a father doesn't do you should give him those about a father who did but if he did why does he still have this cow why does he still why does he have this because he forgot to give it back or it was at the last moment of his life when he did tra the r came with the V he started doing V he said you know I regret taking interest I regret stealing oh so in that case you give it back m [Music] very interesting is g to stop and explain the if you're a GH and or you lend with interest even though you collected you give it back so what's going on what kind of gun of collect if he stole sto he didn't collect and if he didn't steal a line byor he says just because a person knows how to steal you don't call him aov he knows how it doesn't mean he stole so just because a person knows how to learn you don't call him a lden he has to learn that's what he says so here also just because he knows how to steal you're not going to call him what does it mean a guy that lends with interest he's a gin who are these but it says that if they took the borrower took the interest he must return it and what does say he doesn't have to return it you don't go to B then it's a right and says you're right that's a good the thing is we have grabbed one he holds he has somebody that holds like him or he holds like somebody when somebody lends with interest do you give him malus yes or no so they say fromus the the lender and the guarantor why oh so if you see over here there's something called we have a la do not lend with interest but it's connected to a positive command to a in other words you don't get malus for Lending with ribus why because you can undo it you don't get malus for stealing because you could undo it and give it back you don't get malus for Lending with ribbers because you could undo it by giving it back what exactly because he tell them go give it back so you see here whether or not the ones who argue they hold holds that you don't give back or you do give it back so here that's do does the the malva who received interest does he have to give it back to the borrower says no so this is a long R year that explains basically Rashi says of course somebody that lends bbus and he pays gets malus they get malus but over here we're talking about it was never paid up the never paid so if that's the case so what what does the Mala have to do what does the guarantor have to do he was never the Mala was never paid so right now what is he supposed to do both the Mal and the g should rip up the why if you hold that that was written is considered up rip it up why CU When you write a just the writing itself that's interest that's taking interest even though you didn't take the interest but asking why if if a that's ready to go it's ready to collect is considers like it's collected then everybody should hold then there should everybody should hold that you did a if the is nothing yet you have to wait until it happens so how could anybody hold that you're you didn't do anything everybody holds that it's nothing yet listen to this listen to this remember yesterday we had or the other she maybe was in the morning I don't know when it was we just had that if you put the weight into boom we have something similar here by interest just by writing in a document but you hold if you hold on to a document that says so and so is going to pay me interest it's NE go to us guys we in the real estate business in the nursing home and all these guys we deal with this on a daily basis on this interest stuff because we take loans and this and you're taking from Jews not Jews it's a whole it's a whole paral gotta be careful I'm starting to rethink things because I have a a partner who's nonreligious and he doesn't understand what Isam means I told him sign on this thing now sign on this thing he doesn't know what he's signing doesn't know what this is he signed okay he signed you need to know what is is you need to know that you're doing a deal that you're part of partnership we're going to get into that what I'm say it's a beautiful it's beautiful to learn these alas for anybody that's in business anybody that's not in business we should all know this stuff so says listen to this Su why is it called suum check this out we just laned it right yesterday two days ago depends where you live you shouldn't put up you shouldn't Place upon Him interest rib so it's called Sumo sum by writing it in a document by not taking interest you're still over just by putting in a document holding on to a document that says that I owe you interest or you owe me Interest we're both over it says says these are the ones who receive B coming up in like two [Music] weeks the borrow the lender the borrower the guarantor and talking about over here we're not going to go into it what kind of Gant that he you can go to him directly it's a not to be confused just let's go says Okay I I understand they did something what did the witnesses do they just stood there and witnessed they didn't just do something they signed the document and the signed the document that is taking interest even for the so saf drops a bomb just for two minutes here we have to understand what he's saying very um what's the word uh it's like a riddle that's scriptural very cryptic cryptic thank you that's the word I was looking for If by the non-jew in the court of the N we they take away they take from the borrower and they give to the lender if they're going to do that if they're going to enforce a deal where they say you borrow you owe money so then that same case in the Jewish courts then we will have to give back and take away from the borrower what he got interest and give it back to the LI at the end of the day he could have maybe said if it's rib it's you give it back to the and if it's rib if it's you don't maybe he could have said it like that but he didn't he said if by the they enforce it so by the we we take it out of the M again if by the go they take from the Lo from the borrower and they give to the lender so by the Jews we're going to take from the lender and give it back to the borrower is this is this a general rule there's no exceptions so we should know what just the case you just started now we go over it again means here we have the case shim is the Mala Ruben is Thea shim gave ruen a I think I did it too fast oh shim gave Ru a certain measurement of Wheat and at that point it was worth $20 so Ru should not return to shim that that measurement in wheat if the wheat has a market that keeps on moving like today today's market constantly moves it could go up to 30 so therefore you're not to return that thing we'll see different that's only in that case we're going to enforce this loan we're going to take grab it from the L and give it to the Mala we're going to grab from the B and give it to the lender why not he lent them a certain amount of wheat the deserves but this is not something that we enforce in Jewish courts why because it's not why is it not why is it because means I'm giving you back a certain amount when I borrow this site I'm giving you back a certain amount of money over here I don't know the markets go up the markets go down I don't know doesn't it's it's only a vbus it's only the just want to point out you can stick it in anywhere here but it's interesting we're talking about wheat we're talking about flower right now in in a day from now uh you could assume that the prices of flour go up a lot wheat flour because a lot of people are grinding wheat and getting all this um that that's after after PES a lot a lot of people don't don't they wait until it could go on for weeks sometimes they won't buy bread until everything goes into place for so they're baking their own bread there's a lot of a lot of flowers flying around over there says so you telling me a rule over here is not in the rule the way the the non Jew views sa he views it as a deposit that's why he takes out of the courts will take it from the and give it to the that's for a different reason not because of Interest thing what if the borrower gives the lender so rash says for instance he gives him a Vineyard he says take my Vineyard use my Vineyard give me a million dollars use my Vineyard now if the Mala uses the grapes during that period of time so he would have to reduce from the loan gave him a million dollar loan he he got a Vineyard in return as a collateral and he uses the wine he uses the grapes so you look at how many grapes he used he used $100,000 worth of grapes okay the loan went to $900,000 but what if you did not deduct the usage so in that case where the ate from his own fruit he gave listen Thea gave the vineyard to the Mala the Lea sneaks in there middle of the night and takes a bunch of fruit so the the the non-jewish court will say hey Mr Lea pay the Mala back why do you go in there yet so it should be according to that when the has to pay the Mala the Mala is going to have to pay Thea in the Jewish Court but we don't go from the why why don't we go from the Mal because this is only a v this is only there's not R I don't know if this Vineyard is going to produce fruit today so when I give you the vineyard I I don't know what's going to happen I don't know how much you're gonna take from it not not gonna take so it's not it's only so the courts never take away from the Mala GI to the so here's a whole in your theory the way they view this they view that the gave sold it sold the vineyard to the ma that's how they view it the ma actually made a ke in it then what exactly did he gain from this rule says what is it when it comes to I want to tell you that like what tried to say a very simple thing that in it again what's the when there's a form of a loan and I know from day one as I give you the loan I know how much I'm going to make back it's cut it's set set that is and says I can go after the lender and take my back me make millions go back to all the guys hey you owe me all that interest for switch million subtracts why is so everything you say why is it not any any kind of it like that no is the completely the so why is why is in that Cas why because it wasn't alone it wasn't alone it was a master it's a collateral it's collateral I'm permitted to use the collateral but I I must do I must I must take off whatever subtract thank you subtract from the collateral from from the loan whatever I use from the collateral it's not a loan say now we're going to say two beautiful beautiful stuff what if in their we don't take out in their law in their law non-jewish law they don't do anything to the lender so then we don't take from the I'm sorry in their law when they don't take from the borrower so in our law in our we don't take from the lender in other words what does it mean two beautiful I think we know a lot of it but it's to think about it if you want to take a loan from another Jewish person you want to even an interest free loan let's say you want to go to and get a loan so what do you do you send the guy a beautiful a month before you you're going to go get a loan that's rib it's rib it's ribb before the loan took place you smearing him up for six months you know you need aack loan here you need a million dollars interest free the guy has a you go you buy this that you do all all the stuff you do a another example is a guy gave you a loan interest free you paid him back and then you give him so that is what was that called that's something that the the non-jewish courts don't enforce and we don't either enforce here we go oh you have Toons Brothers so just to remind the we did this we'll do it again K we're talking about Al a future contract it happens all the time I'm sure you guys know what I'm talking about there's different things um you could buy in New York you buy oil I don't know if they still do that I remember when I was years ago I guess probably don't do it anymore yeah they they probably do they have these oil trucks that come to people's homes in in Brooklyn oil pay in advance maybe maybe they don't I don't know works but certain things that you give somebody uh money in advance there's certain subscriptions for instance give sumon in the beginning of the year um subscription for beautiful fruit or flowers I know people wealthy people nice not wealthy whatever it doesn't matter you give the Flor Ser $2,000 I want flowers for shabas every single shabas if you give the money in advance no problem even if the flowers go up in price no problem I gave the money in advance that person they have the money they do whatever they want they give me flowers now if you didn't give the money in advance then there's a big problem it's a problem of Riv and there's two ways out of it I might have said have K now I don't think you need both of these together I think you need one or the other the the yes if the guy can Prov provide you flowers right now all the flowers I don't know flowers is a great example but you could provide you all the grapes all the wine whatever it is yes oh uh in our Str people buy tablecloths on a subscription the plastic tablecloths that cover the tables and CH whatever some people use the Disposable and they comes in giant rolls and they come every three months they give you another roll subscription fine there's one header is called yes if he has it then he could just provide it to you right now boom so he takes your money and he provides it to you throughout the year so even if the price goes up it doesn't matter and the other one is called y if there's a market right now that's very stable for for at least you know a couple days or so everybody knows this is the price and I could buy I could purchase it if I want right now in any store so even if I don't have that product I can go to any store that sells tomatoes and buy you 1,000 pound of tomatoes and give it to you right now I can go to any store because the market is stable there's no fluctuation in the price that's the second header and so if you recall we're talking about this case right over here where a guy this is the he borrowed a certain amount of wheat from somebody who was worth 25 and the price went up to 30 so then he says okay pay me back my weat because I want to buy wine he says oh you want wine I have wine I'll give you I'll give you wine oh but I don't have the wine right now I have the wine later M says since he doesn't have the wine you're not all to do this says who cares if he doesn't have the wine all you need is why do I need wine why why do I need yes so we have two things you have yes he has the wine and then it's not ribus have there's it's available everywhere so ask the why do I need the guy himself has one why you cannot dois again means a forward contract on fruit until there's a stable Market but but if there's a stable Market you could buy it now for for forward contract even though the guy you're paying the money doesn't have it right now but he could get it if he wants to he could get it right now goes down the block every store has it says I'll tell you why because if you're giving that guy money I'll say if you gave if I give money and I say give me wine throughout the year if he could go to any liquor store and buy that wine great but I gave him money and with that money he could purchase it right now he didn't feel like purchasing it right now so that's not Ribbit he purchased it in a month from now but if I didn't give him money if I gave him my IOU that's problematic so what if you he could go to the liquor store but I didn't give him money and who says he has money today to buy it and now he's M to give me today's price and you know how the bottles go all of a sudden comes a 16 and a 17 2018 and he's going to be in a big Sor when he goes to the to the peup or whatever the name the store is and he and he tries to buy that battle of wine it's double the price now if he could purchase it today and I give him the cash to purchase today so it's his fault that he didn't purchase today that's his problem but if I didn't give him cash so I can't assume that he has the cash to to buy that so then y the het of Y flies out the the window understood you're saying yes cuz you want to go to m or because it's understood ready to go ready to go cash liquid none this real estate business oh I have cash it's tied up in buildings you need cash right now I'll be sh the the the borrower is not giving cash he's doing a I owe you oh that's not good for y that's as if there's no I owe you 100 I come to you so so so the guy that you come to me I owe you money you come to me into my Grainery that means I have grain yes I have I have grain give me money because I want to buy Grain you know what forget the money I'll give you product go figure out what the market is right now and that's what I'll give you and I'll give you for the next 12 months I'll give you wheat whenever you need why is a coin it's not cash in the hand so you see in order for this trick of that it's available right now yes means I really have it means available in order to use I need cash I need to receive cash from you otherwise doesn't work so then why in the world does the mishna say that he doesn't have even if he does have it it doesn't work listen to this is beautiful there's a concept called it's trickery it looks like rib let me show you okay mus it looks like here it goes very very simple the listen to this very very simple the MAA says please lend me $1,000 sorry I don't have that kind of money says the Mala but I have a car here's the car is worth $1,200 take my car okay is that M yes so up until now everything is great again Lea wants $1,000 Mal says I won't give you cash I don't have cash sorry I have something worth cash here's here's a $1,200 car instead of ,000 car Sayer could Lea sell the car right now yes could Lea sell it for less money yes could Lea sell it back to malva yes why not if the ly could sell it if he if the guy that wanted to buy our money if he could sell the car to anybody in the world so he could also sell it back to the guy that gave it them the problem is that anybody that sees what's going on seems to them that this trickery going on here Thea wanted $1,000 the MAA says I don't have $1,000 I'll tell you what I'll give you a car that's worth $1,200 a second later he goes and he gives the Lea $1,000 cash all of a sudden he does have money and he takes back his car so what just happened there the car is $1,200 so the Loa owed him $1,200 and then a day later the Loa gets $1,000 in cash from the same person so now it comes out that he owes him $200 you hear what happened very simple Thea wants $11,000 instead he gets from the malva he gets A1 $100 car he says you owe me $1,200 I'm giving it to you as a gift you owe me $1,200 not a gift I'm selling you the car you pay me when you have the money you owe me $1,200 now two days later hold the Mark I know you want to go to SCH two days later he shut off my picture two days later he says you have a car oh it's a beautiful car how much do you want the guy says I want $1,200 how about you take a th the guy is desperate for cash he doesn't have a dime he has to pay tuition fine I'll take $1,000 from you so the Mala gives him $1,000 and gets back his car but really the owes him now $200 he owes him $200 instead of a th000 could I please buy that car back for $1,000 Bo so you just gave $200 is that M yes but it's awesome why it's a deception it's it looks like ribbers here's the case in the G any money please let me 100 I don't have 100 I'll give you wheat that's worth 100 so I gave him that's worth 100 we said it's 25 then he goes back to me says listen I'll give you cash give me the wheat I just gave you for 24 I gave it to you at 25 so you owe me $25 now I'm going to give you 24 so I gained the dollar M it's m but looks that's what happened by so he says a whole new in what you thought the is that he first borrowed wheat and was worth 25 and then the price of wheat went up to 30 then he switched it to Wine no no no that's not what happened say it never was at 25 it was always at 30 all my land pay attention what's going on here he set a price the weed is worth 30 not 25 like we said in in the picture before let's go back to the picture you see how in the beginning means 25 and then the then the price went up to 30 I he says no in step one was already 30 it's just missing from the Mish the whole first part is missing this whole trick of is [Music] missing and then he went and then that's where the Miss steps in that's where it picks up from here that he went the M went back to the he said you know what we made up that this weed over here is 30 how about you sell it back to me for 25 like with the car how about you sell back to me for a th000 instead of 1,200 if the has wine worth 30 he could pay here take take 30 worth of wine that wouldn't be a problem he's allowed to pay up the the wheat that he he borrowed it's like sa in a different product right I borrowed 30 worth of wheat here's 30 worth of wine but in our what happened was he doesn't have the wine he doesn't have wine he's certainly going to take cash that that looks like has a number of problems with the language the Mala says give me my wheat no he doesn't want wheat according to he gave him we what does the Mala want now he wants cash he wants says this which I'm selling I sold it to you already I I gave you the car I sold you a car I gave you the wheat I sold it to you not that I'm going to okay fine that's also not the end of the world we'll just say We'll amend it a little bit it says I I sold you we're almost done three more lines over um oh another problem is I want to make it 30 dinner no we said that step one was already worth 30 it didn't become 30 later on okay yes initially you said that this weed is worth 30 oh you know what let me trade it into wine but you know I don't have wine it says that it was worth 25 is wor and you you just telling me that's 30 not 25 all right so we'll stop over here have day have a wonderful day have a good a good good whenever you're watching this if anybody's on Zoom right now YouTube I really really appreciate tremendous I know it's just a few minutes before Andi and his whole family from allowing Mark to do this