Daf Yomi Bava Metzia Daf 63 by R’ Eli Stefansky

[Music] Good morning boys. The English live from Chicago. The final few of here in the hotel. Pay attention right after the sheer is a Hebrew sheer and then straight to Lincolnwood and tomorrow live from Chicago. In Chicago. I hope you all had a wonderful Yom Tov. You ate a lot of matzah. Good matzah. The sheer is sponsored by Sarah a 10-year-old girl. One email last year suggested we do the ninth paragraph of which I was able to complete by Pesach. This year he suggested doing Megillah. I finished it before Pesach and did the CM for at Boynton Beach, Florida. Things have been wild. I'm doing things I thought I'd never do. Haven't missed a day since Shabbos days. Attached is me with Eli at the big Miami Colosseum. Marvin Diamond. Keep on striving. Keep on growing. The small things that people do to change their life. The choir for the day by Joe Sharp, Boca Raton. At the Ambassador by Abraham Israel. The message is sponsored by anonymous. For the sake of the speedy return of all the hostages. And all my endeavors. That's the mark of our medicine. On the occasion of his seventh birthday. Mazel tov. Alan Rosenzweig in memory of Eileen Rosenzweig whose 15th Yahrzeit is today. It's through Pesach. The art of the month anonymous for the sake of an easy childbirth of his daughter and a healthy baby. My boys, I as I am a day ahead, I did today which is super easy. Some of them also very, very doable. Nothing too complicated. I think there was bad rumors but as you know, so far so good. Everything's going well. Okay. We have a very smart day. We'll learn one or two things that are going to get a master. We're holding on that almond base. So just recap a little bit real quickly. The mission says targets. We learned about what targets mission says. This is the case in talking about and I'll I'll show you. I'll remind you here this case. Targets the rabbonim first he bought bought wheat for a dinner which is 25 and then it went up to 30. And then he says, "Listen, I want my wheat so that I could buy wine." He says, "I'll give you wine." And then the mar says it could go up in price. So let's go back over here just to see the wording the mission uh reacquaint ourselves. Remember Paris. Okay, so that's the case that we just saw. So that's the case that we just saw. That's the mission. So a buyer yesterday tried to say shop. Rubble knocked it out. He doesn't like the way the whole wording didn't fit into the mission. Nothing really worked. So he's done with the buyer. Comes and says I have a new We're holding one line from the bottom, two lines from the bottom. Hello my lover. Let's explain this mission in a different way. It's not exactly the way it's written. It's a little bit of an interesting story. But very simple and basically the same thing as we learned but with a few with the steps repeating themselves. How does it go? Hello my lover. He shook his head no. When I die he says no. Very interesting lesson. He shook his head no. When I die he says no. He will come out and and greet me. Why? He shook his head no. One of the two authors of the famous prices. He shook his head no. Rubble always throughout Rashi always sticks up for and tries to explain the mission like he shook his head no. The mission goes like the price. The price that goes like the mission. He shook his head no was trying to explain the mission. This lesson by the way is brought down in many different writings. Even the uses this lesson. When I die, the riff will come out to greet me. It's brought down in the mission. It was a that learned with the He says you should know that the rabbonim was very happy with the two that he said yesterday. Loves it. He's very happy. And in fact, he's going to come out and greet you when you die. Such a lesson. Which is the old famous joke which I probably just mentioned. That there was a that came up to and start giving a whole in the rabbonim. So the rabbonim comes out and says you talking that's not what I meant. He looks at the rabbonim and says "Go back to where you came from. You never learned in the yeshiva. You don't know how to learn." Anyway, it's one of those jokes. Fine. So says the the mar like this. The time of the mission. Our mission is going to fit right with the mission. I raised my hand no. A person similar to what how we learned in the mission. A little bit of a variation. This price completely argues with what we said yesterday but it's a variation. I raised my hand no. Very much no. Somebody owes somebody else a hundred. The other one says the other one tell me my answer. He goes to the to the threshing floor and he says, "Tell me my answer." "I want my money back." Why? "I want to purchase wheat." So he says, "You want wheat? Here." So we we already were very familiar with the two. The two tonight. The two conditions that you need when you do a forward contract. First of all, either you have I have wheat right now. Or you go out and you see what the what what's the market? What's the price in the market in a stable market? So he says like this, "I want I want wheat." Sorry, I want money. I want money. She says, "I have wheat. I'll give you wheat instead." So this is a story. Look what happens here. Let me just get there. Oh. Goes like this. You ready? Step one. "Give me my money." "I want to purchase wheat with it." He says, "You know what? Uh I don't have money. Let me give you some wheat." She says, "Okay, great." Then he says and he says, "Okay, let's establish how much money I have. I owe you a hundred? Okay, let's make how much how much wheat you buy for a hundred? Here it is. I owe you now two bushels of wheat. Step two is "Give me wheat. Why? Because I want to buy wine." Now in each step let's assume he has the wheat. So it works. There's no I have the wheat. Now I owe you wheat. If I want to give the wheat. No, no, I don't want wheat. You know what I want now? I want wine. Okay, so let's look at the market for wine. Now the wheat went up in price. I give you two bushels. Now the two bushels are worth instead of a hundred they're worth two hundred. Doesn't matter. I promised you two bushels. Now I want to convert the two bushels of wheat. I want to convert them to the price of wine right now. Okay? So let's convert it to That's that's that's mother. I can give you the wheat that we I can give you. I can give you the wheat even though it went up in price. So instead I'm going to convert the wheat to to wine. Now the wine goes up in price. That's also okay. Now instead of wine I want oil. It's three steps. Give me wheat. Okay, I'll give you wheat. But you know what? Let me transfer the whatever I owe you in wheat. I'll give I'll transfer to wine. Great, that works. Now the wine went up in price. Okay, I'll give give me my wine. Let me transfer to to oil. There's a great cartoon. I like this a lot from I show this cartoon all the time from Nancy Woman. It's in Hebrew. He says "Give me you owe me money. Okay, so could you you want wheat? Yeah, I'll take wheat. But not wheat. Let's go. But give me wine instead. Okay, fine. Give me oil instead." So the guy goes to the market and says to him "Listen, you starting to make me nervous. You starting to get on my nerves." Starting to get on my nerves. Three times It from money to wheat to wine to oil. Okay, enough is enough. We get the point. The point is what? Every one of the steps, you could stop and say, "Okay, it works." On one condition. On one condition, yesh lo. If he has the wheat, great. Let's move to the next step. If he If he transferred to wine, it works. On condition, he has wine. You want to transfer the wine and the price of wine can go up. That's fine as long as as long as he had it there. Now, if you look at the Mishnah, see? I didn't underline it. Here. Look at the last last words in the bottom. The yayin ain lo. In other words, Rebbie Shaya lines up right with the Mishnah. The reason why it doesn't work in the Mishnah is he ain lo. He doesn't have it. But if he yesh lo, then it's fine. He's not over entire business. He's not over in ribbis. So, let's see inside. Harishonah Mishnah omer, "Valam valav dal gardai valav metaltelin bo sayi." He goes to the threshing floor and says, "I want my money." Shani Why? He tells him the reason why. Shani ro'eh tzan gavai me chitim, "I would like to purchase wheat with that." Valam al chitim yesh li shani ro'eh tzan gavai chitim. I have plenty of wheat, look. You don't want it now? Let's say by selling us alike shash lachshav. Let's figure out how much wheat you deserve for the money I owe you and take that. Now, he gives machitim chov. You The time comes to give it to him. Omer lo, "You know what? Ten li chitim. I want my wheat." Shani ro'eh tzan gavai yayin. "I want to purchase wine with it. I want to sell the wheat and buy wine." Ah, ah, you came to the right address. Not only that wheat, I also have wine. Yayin shani ro'eh tzan gavai sayi. Seva tzan alike shash lachshav. Okay, let's figure out how much I could transfer the new price, the expen- the more expensive price of wheat cuz the price of wheat went up. Let's transfer that to wine. I owed you 100, now I owe you 200 worth of wheat. Let's transfer it to 200 of wine. Seva tzan alike shash lachshav. He gives my yayin chov. Now, the time came to give him the wine. And now, the wine went up to 300. Valam al ten li yayin. Shani ro'eh tzan gavai shemen. "I would like to purchase oil." Omer shani yesh li shemen. "You know what? I'm I don't know. I'm a call it. I could give you wheat, I could give you wine, I could give you oil." Seva tzan alike shash lachshav. Klum yesh leim? Oh. Now, so we just did a third of an omer. Very very simple case. Chulo. And the law is the rule is im yesh lo im mutar. If he has it by him, then all this is great the very every step of the way. You could stop at the wheat, you stop at the wine, you stop at the oil. Ain lo assur. And that's what the Mishnah's going to say. Now, there's only one little problem. The omer says, if we look all the way to the beginning, Beis Retair omer Beis Peiros Kitzad. What's the case? Lokach mino chitim. Rabban's case starts off that he borrowed money from him and he transferred that that loan into the wheat. So, what does it say? Lokach mino chitim. The Mishnah starts off at a case where somebody purchased wheat. What does the word lokach mean? So, says the Gemara, "My lokach is not the end of the story." Just like Rava asked on Abaye a bunch of questions then he went into the word machartem etc. Okay, so how does the word lokach work? My lokach who bought wheat? Nobody bought wheat. Lokach ba'al sayi fits right in. The what? He transferred the loan into wheat. Okay. Halachah l'ma'aseh, if a person didn't give money, so you need yesh lo. That's what happens. We learn from there, you need yesh lo. I didn't give you money, I have a loan, I'm transferring it to you. If you have something to give me, great. Over here, yoter shaar won't work. Just because there's a stable market, it's not going to help me. You took a loan, you transferred it into wheat. If you have the wheat, great. If Just cuz you could purchase the wheat, that's not enough. You have to have the wheat. Omer Rava, "Shma mino Rebbie Shaya plus I could learn from this braisa three things." Rava is the one that likes Rebbie Shaya. He explained the Mishnah according to Rebbie Shaya and we could actually learn three things from Rebbie Shaya. Reasonable things that we already discussed some. Shma mino d'mami d'milva b'peiros. You can convert this chov, this loan into money. You I'm sorry. This loan of money to convert into fruit, into something else. Yeah, he owed him money. He owed him $100. Convert it to wheat. Shma mino d'mami d'milva b'peiros. V'lamdinan, but yesterday we said something else. V'lamdinan d'lo isur. Hava l'yado almost scream out at it. You need money in the hand. You have to show money. No, you don't need money according to Rebbie Shaya. Ushma mino. The explanation in the Mishnah is Shma mino hu d'yesh lo. This works on condition that the person has the wheat, the person has the the wine. Ushma mino on a third thing is that Rebbie Yanai we hold like Rebbie Yanai. Omer Rebbie Yanai, "Malei hein, malei d'mehein." Okay, as we're going to see in a second. Rebbie Yanai says, "What's the difference if a person has the fruit or he has money, has cash? The what? If money." Rambam omer oisav mamon b'peiros. We're holding halfway down the omer. Rav says, "I am on a means to trust something. So, you could do a forward contract." Oisav mamon b'peiros. B'noisel mamon b'damim. Rav argues on Rebbie Yanai. Rav says, "We hold like Rebbie Yanai." Rav says, "No. I could give you a forward contract on a on when it has to do with fruit, but you cannot pay forward with money." Let's see in a second. Rebbie Yanai omer, "Malei hein, malei d'mehein." In other words, I made a forward contract with you on I'm giving you cash, 100, for a future in wheat. You're going to give me 100 worth of wheat. But the price of wheat went up. So, I'm going to take the wheat that's worth now 150. Can I take cash instead of that? I gave you 100 for 100 wheat. Now, the wheat went up. By the way, it reminds me of Settlers. I don't know the game. So, I don't know. You get 100 wheat for wine. This I don't really play it, but I I hear my kids You You got some wheat? Give me some wheat. So, again, I I purchased wheat, 100 wheat, and you could give me 150 wheat. I don't want 150 wheat. I don't want 150 cash. Is that okay? It's not like ribbis. Says Rebbie Yanai, "What's the difference? If you give the guy 150 worth of wheat, so you'll save him the tircha of converting the 150 wheat into cash. I'm I'll give you the cash directly. What's the problem? Cash and wheat is the same." Malei hein, what's the difference if I give you wheat or malei d'mehein where I give you 150 in cash? Asks the Gemara, "But what about We just learned Rebbie Shaya's braisa. Someone said chulo im yesh lo mutar. If you have this, it's It works." So, yeah, we're talking about that he got money, but you you It says Rebbie Shaya that he gave him money to buy wheat. If he has THE WHEAT, GREAT. IF HE doesn't have the wheat, not. Omer Abaye b'shem Moshe. He's going to explain in Rebbie Shaya that there was a kinyan made. He did a meshichah. And then, maila became his. Ah, once it becomes his, then he could convert it to anything he wants. Asks the Gemara b'shem Moshe, "Tzuchlin mino. So, what kind of chidush is he?" Okay, it became his. He actually pulled on the wheat. It came his wheat. Okay, so he could do whatever he wants. Transfer the wheat to cash. What's the chidush? Ela going to Yichal like Kerens omer this. Here's a picture. No, she did this. Yichal like Kerens omer. In other words, he didn't really do a meshichah. He didn't He wasn't kinyan. He said, "I'll give you the corner in my house with your wheat. That's yours." There's no kinyan done. Nevertheless, since it's almost yours, it it It's set aside for you. Therefore, you could transfer it into cash. Asks the Gemara Ushmuel omer, "Omani Rebbie Yehudah." So, we have a beautiful chidush here. Let me see if I have it here. Ah, so we just saying yesh lo. I put this in for whatever reason. It's a shaar. There's the two things that we're talking about. Ah. A new musaf Rebbie Ovadiah said. It's called tzad echad b'ribbis mutar. Rebbie Yehudah omer tzad echad b'ribbis mutar. The what? We'll say this about pay real quickly. If there's a Let's say that we had this case earlier where if somebody borrows money and in addition, he In order to get the loan, he says, "You know what? Take my real estate. Take my real estate. If I don't pay you back, the real estate is yours." What happens up until the point where he owes the money? Who gets to use the fruit? If the malveh uses the fruit, we said it's nach yosa, remember? You deduct. Supposed to deduct. Now, there's two things that can happen here in Boise, right? What are the two options? Either the loiva pays back his loan and the property goes back to the to the loiva. The borrower pays back and the borrower gets back his real estate. So, if the malveh used any of that real estate in between, it comes out retroactively that he was getting ribbis. Why? The borrower he borrowed a million dollars and he gave him a nursing home. For a whole year, the borrower is using all the money that comes from the nursing home or from he owns a a nice building, he takes all the rentals, all the income he takes for himself. The lender is taking for himself the whole time. Then, when the borrower comes and gives him back his million dollars, he gets a million dollars plus all the rentals from the whole year. What is that called? Ribbis. Reb Yehuda holds it's okay. Why? Because there's a chance tzaddik ribbis. There's a big chance that the loiva the borrower won't pay back the million dollars. And then, it'll be 100% the malveh's. And the entire time that he took the rentals, it was the malveh's rentals, it was the lender's rentals. So, it's okay. You hear what's going on here? Ribbis, says Reb Yehuda, when it's 100% you owe me this amount of money. I don't care what happens. I'm giving you a million dollars, you pay me back 1.1 million. That's ribbis. Says Reb Yehuda, that's if it's 100%. What if there's a 50% chance that I'm not going to pay you back 1.1? There's a 50% chance that you the borrower are going to default and I'm going to get the real estate. And all the real estate I used the whole year was actually mine and it was okay. Reb Shimon says, "That's fine." Mali heino amar Reb Yehuda ribbis mutar. This time, you. Hareisha naish b'chavero motar as we said yomecher. The borrower gave a field as collateral b'zman she'hu mefaer chabero mutar. If the the borrower uses the field and eats the fruit, takes the rentals, of course it's okay, mutar. L'keyach ochel pairo what if the lender takes the fruit also? That's the Tanna Kamma Rebbi D'Omer af b'zman she'lokeach ochel pairo mutar. Reb Yehuda says, "That's okay." Why? Because it's tzaddik echad b'ribbis. It's only one 50% chance that it's going to be ribbis. The other 50% chance it's not ribbis. Says Reb Yehuda, it's mutar. Omer Reb Yehuda, "I'll prove it to you. Maisef b'Bais Shmuel she'hu ochel s'deihu mecher api." Reb Elazar ben Azarya. Um there was a story with Bais Shmuel ben Zunin that he was the borrower. He gave his field as collateral. V'lo keyach ochel pairo oya. And the lender was eating the fruit entire period up until the loan was due. Amar Rav Asi, they said the exact opposite happened. Shmuel Raya, you're going to prove from there? Mecher ochel pairo oya v'lo l'keyach. It was the borrower that used his own field. He was eating fruit from his own field. Of course, there's no ribbis in that. Says the Gemara, "Ma beinaihu?" What's the sfara of the machlokes of Rebbi who done the Tanna Kamma? Omer Abaye, "Tzaddik echad b'ribbis zeh beinaihu." This exact idea, one shot that we can explain is if it's only 50% chance that there'll be interest, is that assur or not? Tzaddik echad b'ribbis, it's not both, it's only 50% chance. Rav Amar, "This is not a machlokes. Ribbis amar Abaye chazal v'Rebbi Nachman can I take ribbis right now knowing that I might have to return the entire ribbis afterwards? Right now, I did take it. Am I over? Or perhaps, since you know that if something happens such as that the borrower is going to pay it off in full, so then you're going to go retroactively just pay all the rent that you took the whole year, pay him back. Is that considered ribbis or not? On one hand, you took ribbis. On the other hand, you paid it back. Okay, maybe paying back is okay. That's a machlokes. The Tanna Kamma holds that's assur. Omer Rava, "Hashta Rebbi Nachman now we're holding daf gimel amud beis alef. Believe it." How long have we been doing this? 24 minutes. What do you mean? Mama's easy stuff, no? It's going good? Yeah, cuz you're a lucky shmo. Daf gimel amud beis. Maliheino mali d'meima amar Ravina. Listen to this beautiful thing. This is Rava. Just like we just said, what's the difference if I give you the wheat? If the wheat went up in price from 100 to 150, I could give you $150 worth of wheat. So, let me give you $150. You give me $100. Let me give you in return 150. It's not ribbis. Why? Cuz if I could give you $150 worth of wheat, I could give you $150 in cash. This is Rava. Beautiful. Listen to this. What do you say, Shmuel? This is a good thought of the Gemara here. When I say yesh lo, what would you say, Shmuel? Yesh lo. We we we discussed the whole time the only way this works is forward contract works and I can I can transfer loan into wheat. And then, the wheat goes up in price, it transfers the wheat into wine. So, he said, "Only if he has the wheat. Only if he has the wheat." What if he doesn't have wheat? What if I gave him instead of the wheat, I gave him $100 and with the $100 he could buy wheat. He doesn't have wheat. Is that yesh lo or not? You say not. Says Rava, "Yes." Just like you told me I could transfer wheat into cash, I could give him one or the other. So, when it comes to yesh lo also, what's the difference if I have wheat or I have cash? I can take the cash and buy wheat. Not cash that he has in the bank, but cash that you gave him. The buyer gave him cash. He's saying, "Uh on condition he could transfer he bought he gave him cash to purchase wheat. And then the wheat went up, that's okay cuz yesh lo, cuz he has wheat." No, the buyer gave him $100 and with that $100 today he could go right out to the market and buy $100 worth of wheat. The fact that he was lazy doesn't change the fact that he doesn't have wheat. He had the ability to buy wheat. Just like if I could give you $150 worth of wheat instead of 100 and that's not ribbis. Why? Cuz it's a forward contract and I was able to give it to you then, I give it to you now, I'll give you $150 worth of wheat. And instead of giving you $150 worth of wheat, I'll give you $150 cash and it's not ribbis. So, too, the fact that I could give you the wheat right now, I could I have cash. I don't have to give you wheat right now, I have cash. And cash is instead of wheat. Maliheino mali d'meima amar Ravina. Mali d'meima maliheino amar Ravina. Okay, the lashon over here is backwards, we're not going to go into it, not to confuse anybody. We'll dumb it down a little bit. The idea is simple. Forget the wording, how it goes. Okay, um maliheino heino over here means money. So, money that I give gave you that the that the purchaser gave you, that money could buy you wheat right now. You could you just go to the store down the block and buy wheat. Okay. Says the Gemara, uh and we continue in Halacha poskin al sha'ar sheb'shuk. And this is how we poskin Halacha, not like you said. That I could do a forward contract poskin al sha'ar forward contract sheb'shuk. Amar Reb Shimon, "Yesh lo." Even though I don't have it in my house, I have a bundle of cash. What's the difference, cash or wheat? I got the bundle of cash from you. Not that I have a bundle of cash in the bank. I got it from you. So, if I got it from you, what's the difference? If I I'll take that cash and buy wheat or not buy wheat. Is there a papa v'Rav Nachman b'Rebbi Shmuel bar Rav? So, I asked Reb Papa to Rava, who loan me yesh lo mutar says my father is not like that. It says you have to have it. He mainly assur. If he doesn't have it, he doesn't Amar Rav, "Lo assur malveh." The braisa of Reb Shimon is al malveh. Achaz v'einei. There's a difference between a loan and purchase. With a purchase, it works. Says the Gemara, now we have a new shita. What's the reasoning behind yotzei sha'ar? How does yotzei sha'ar mean? Okay, what's yotzei sha'ar? Let's see if we can find it here. We had we had two conditions, right? We had the condition of yesh lo and yotzei sha'ar. So, very very simple. What's the logic behind yotzei sha'ar? If there's a stable market for this product and you pay me for this product, then I could give you a forward contract. We made a deal. You give me $100, I will provide you $100 worth of wheat in a few months. Then, the wheat went up. This bushel one bushel that we made a deal on went up to $1.50. I'm permitted to give it to you even though you only gave me 100. It's not ribbis. You gave me 100, I give you back 150. Not ribbis. Why? Yotzei sha'ar. At the time that you gave it to me, there was a stable market. What's the What's the logic? Rava Rebbi Nachman Abaye, two two shitos here. My time amar Abaye poskin al sha'ar. What? He says stable market that means he's able to go and get it whenever he wants. Not the market's stable. What makes it stable market? Being able to get it. That the price was the same for the for the for 2 3 days. I don't know the exact amount of time, but let's call 3 days, 2 3 days that this was the market. Not like today that the the market is constantly adjusting itself every day. It goes up and down 25 times. There's a certain time like when there's a lot of wheat on the market, everybody's charging $100 per bushel. And that was the price for 3 days. Not 110, not 95, 100 per bushel for 3 days. Yeah, set price. That's a serious stable market. I'm talking about I don't know what I tried to look it up. It's the most I was able to call like 2 3 days. Not 2 3 hours, 2 3 days, let's say. Something like that. I don't think it's a 30-day thing or 100 day 2 3 days. Enough that you when you go buy it, I make a deal with you, I have enough time to take my time. Tomorrow I go, it's the same price. Or yesterday. My diamond rubber bought a price in the last charge for sure. I appreciate it. Even though he doesn't have it. Right? The one one condition is yesh what? But if you don't have it, you could buy it at a stable market. I don't need your favors. The buyer, you're buying from me. You could tell me How do they say in English? What up? I don't need your favors. Throw it on the thorns. So, look what Yosel did. I like this a lot. Check this out. It's a beauty. What she saw the you're going to Let me see if I could zoom in here. I want to zoom in on the Okay. I just zoomed in on the product. Basically, it's a dump truck that's dumping out all the Pesach stuff. The worthless stuff. I don't need your favors. All the potato chips, all the macaronis, all the stuff, throwing it out in a pile of thorns. That's what Yosel did. I thought it was give give all day. It says post Pesach the hump. In other words, what are you giving me? Think about it. What are you worried about? You're buying from me wheat for 100. I give you back 150. You tell me, I don't need your favors. I'm not doing you a favor by giving you 150 back. You gave me cash for for for this wheat. If you wanted to, you could have bought it yourself. Nothing would have happened. You would have bought it right now for 100, taken a bushel of wheat, taken to your storage and held it there. Nothing would have happened. So, I didn't give you anything. What did I give you? You didn't gain anything from me by me by you giving me the cash and me giving you back 150 instead of 100. You could have done the same thing. Take your favors, you tell me. Take your favors and throw it on the thorns. My honestly, what did you give me? You have these to be only if if I wouldn't have given you the cash, I would have had my own cash. I would have gone to the cities in Shul B. Right over there next to rubber or whatever. I would have bought it for cheap. Says a fighter of Yosel, what do you mean? What's the famous case? So so. Let's look at so so for a second. I give you I lend you $20 worth of wheat in a certain measurement. Is it a problem to give me back because for the same the same amount what? Fluctuation. Fluctuation price the same amount could be worth 30. So be so. Oh, says this says Rabba says a fighter of Rabba, what what what do you mean? I don't need your favors. I could have bought the same wheat. I gave it to you with 20. Well, you gave me back the same wheat that I gave you and today it's worth 30. Shkoyach. I could have kept it in my house. It would have gone up to 30. You didn't give me anything. What did you give me? You gave me what I already had. It's even worse. Over here I gave you wheat and you gave me back the wheat. Oh, and the price went up. And if I didn't give you the wheat then I would have kept it in my house, the price would have gone up in my house. So, now it went up in your house. What did you give me? Why is it awesome in the Rabba? To say far, take your favors and throw it on the on the on the thorns. Oh. What? You think that my wheat is going to get ruined in the storage? Says Rashi, from moisture or whatever, no. Okay. When it comes to so so, it's a loan. I'm giving you a loan of wheat and you're giving me you're paying back the loan. You borrowed. It's a borrow. You go to your friend, you go to your your neighbor, knock knock, can I have some wheat? Here, I'm lending you. That's in borrowing. We're talking about sale. I'm I'm doing a purchase. I'm doing a future contract. What's a future contract? Future contract is not a loan. Future contract is a purchase. I'm in Yeshiva. I want to buy a bunch of bread for the whole year. Here's $1,000, give me bread the whole year. It's a few It's it's a it's a purchase, not a not a loan. Loan so we have to be more careful. There's the Rabbonos. Not by the purchase. Oh my lady I have a Rabba the Rabba but boy let me make up Zuzim this up zero. You just said what kind of you didn't do me any favor. You could have taken the money and gone to the marketplace and bought the same thing for the same amount of money. I didn't I didn't give you anything. Just just cuz the price went up by me and I gave you more product that cost more, I didn't give you anything. What Wait a minute. When I give you product, I go and I negotiate with the middleman. You What would you do? If you went to buy the product, you would have to pay a little extra for the middleman. That didn't come out of the bottom line. Oh my lady I could have yelled at him. Yeah, you're right. He has to add a little bit for the middleman. Rava Shmuel you don't have to add for the middleman. Why? Zuzim didn't she you know ugly stuff to say. When you have a lot of money, then the sellers come to you. There's no middleman. You don't need him. They know you want to buy. Great. There's a lot of iced over here. Mamish a lot of ice. What happens? Sometimes you go to the store, you buy a a refrigerator, let's say. Okay? Purchase a refrigerator. He doesn't have it. He's going to get get to you next week. What's a good example? I don't know what. A car. Yeah, a car. Go to the dealership. I want to buy this this car right here. I don't have it. You pay me today, I'll give you the car. What happens many times? All of a sudden the price goes up. But he has to honor the price that he gave you. What's the law? It's right. I made the deal. That was the price. But it's not yesh what? I don't have it. How can I take your money and promise you a car which I don't have? Let's say I have the car. It's green. I don't like green. I want blue. It's no problem. He puts in the computer, he orders a blue car from Toyota. Takes a month to come. By that time, all Camrys went up in price. Whatever it is, it went up in price. It happens all the time. I bought a car in Israel. By the time I got it, the price went up for everybody. Yeah? It's a big problem in law. You know how to do it? It's ain law. Even if he has that exact car in a different color, it's ain law cuz my color he doesn't have. When you buy something, whether it's a refrigerator, a car, whatever it is. You buy furniture from a furniture guy and he has to make it. I'm dealing with it right now in Israel. We bought furniture and we still didn't make up our mind they took our money. Maybe the price went up, maybe not. They didn't take all the money so maybe it's less of an issue. They took 50%. But if they don't have it and the price goes up, that's ain law. And there's no yos shaar. You can't buy that somewhere else. The guy can't buy it a camera somewhere else. There's only one camera. It's coming from China from from Japan now. Wherever it comes from. New York. Where? Don't sponsor for the turning of the Omer. And honor of my uncle Reb Chaim Pressman and Chaim Akiva Simcha ben Yaakov. ben Zering's son. Chaim Simcha ben Yaakov. We share a son. Shkoyach That is Mr. Hirsch Dovid He's cured my son Chaim Simcha in Los Angeles. Official and and it's not partial. The more you give somebody, the more they treat you like like a father like they deserve it. Yeah? Official Mr. Motivator is an honor of the Leeman's for sponsoring far for the daily near Talmud learning. And by the Wordsman brothers for yahrtzeits of our grandfathers Chaim Moshe ben Akiva Sholom and Reb Yosel Moshe ben Reb zt"l. Reb Yosel, I just a few more minutes and we're almost done. We have a half Omer of the year. Rabba Reb Yosel the Amora Yeah, we're smack in the middle of Omer base. Both Rabba and Reb Yosel say, "Hey man, the Yosel Zuzim a tar chali for Listen to this. If I'm purchasing wheat at a very low price. So let's let's have to you a little bit more. You have to show up. Here we go. To show up at the threshing floor. So we're going to go through very simple things. Things that we learned already. The matter. What's the point of showing up at the threshing floor? You don't make no if to do a Kenyan on the week. Is that going to work? Holy cunning. But the whole time we're dealing with this something interesting. We're talking about the guy paid paid paid. You can not acquire something with a Kenyan through paying money. If the machine off. Money doesn't work. Holy cunning. Oh. So just to remind the mission part in above and see that's what else we had in the mission of mission for a man to do if you don't keep your word. So I could you borrow who took revenge from the people of the door of marble and the door of logo who also part of mission of the people. He is going to take revenge from a person who doesn't keep his word. Here is the pictures. The these are the pictures that Yossi did back in the day for the door of marble people climbing up to the top of the mountain they see the table in the background. And this is the door of logo. You try to climb is above the clouds. How could you want to take revenge from those people? So the moral if it's just to get a mission for to be over on the mission part to get a curse killing is causing a mission for a man to do a mission for even if you don't go to the threshing floor you will get this mission for a says the mission of the mission here. No, no it's to get this curse from the office of the entire day trade loss for you. Listen to this. When people buy wheat, let's say I I have a factory. I need to make bread. I go to you small one and I try to purchase wheat from you. I'm not going to rely on you. What if you don't have a crap? I need a cover all the bases. You know what I do? I go to three people like you. Two three people says the man. And you know it and I know it. So it's not a real king here. I would think. You want the office of the entire day for all the day trade loss for you. You miss the day that's why I have to show up to your factory. That's why I come to your threshing floor. Now I show I'm serious. If I come to your threshing floor so that I take your money and dust. And now I get a mission for a below. If I don't show up I'm going to let him in the square of the shop here in the shop. I thought they found some better wheat whatever it is better than what I have to offer and you got it from there. I don't know how old the negro is I don't know how it works. It's not the first time I've been selling wheat. I know that the people come I just don't know how they do business like that. I lock him with you and then you buy from somebody else. I can't lock him with two people. I don't know how it works but that's how they did it. The buyer has the upper hand here. This is what it seems like. Omar has a mission title. This is Omar if we're talking about people agreeing to something I feel like you have to go I don't have to come to your factory even if I bump into you in the street in show. Omar he said hey I want to buy from you. Remember we did a deal that locks it in some kind of a day thing. Omar Ahmed. [Music] There's a big cloud of the mission of the big rule when it comes to this. Call I got nothing to lay off sir. So remember this cloud. It's called I got nothing. I got is a payment. There's a better word for it. Um You earn this because of not that because you waited. Ribs means I'm taking money from you for waiting. So we have real estate. And sometimes we wait for our tenants to pay. And they don't pay on time so we charge them extra I don't know if it will work well in Los Angeles. What late fee? That's I got nothing. That's awesome. It's called ribs. You are paying me a late fee because you owed me a thousand dollars in rent and you didn't pay in time. So now you're going to pay me a thousand twenty dollars. I'm charging twenty dollars cuz you had my money for three extra days. It's not because you you staying in my apartment cuz you staying you paying for next month's rent. Because you didn't pay me on time. I got nothing. Yeah. Let's be careful. Hope you don't have any Jewish residents. I'm not worried about you. I had the guy with this really flag on me every time he saw me he used to scream. Okay, so you have to do partnerships and then I don't know what. It's all sorts of things that we don't think about day to day that's what I'm saying. These are lots of ribs of very there's a lot of ribs in the world. They have thousands that I think eighteen hundred of them work for them they'll give you room everywhere. Cuz it's so prevalent it's it's everywhere. It's on the credit cards in the banks in the this and the that. I'm telling you us real estate guys we have to be super careful with loans and and investors and and here's something else that I we never thought about. Late fees is I got nothing. Cuz it is. Cloud of the ribs is called I got nothing to lay off sir. Omar Ahmed another another thing. How you manage the office of the bureau? You buy wax from somebody. Google has the the price is four for one zone. Omar even though you paid me pay me now I'll give you later. This is where the cars come in and everything. Is to go by sir. If he has the wax right now is great. Less than also. Yeah, this is the law of the car. If you have it great. You don't have it not. No even when you have it with motor to say before she can't explain it. You can't say if you say straight out I'm giving you a better deal there's two prices. One price for if you pay me now one price for later if you like that it's no good. Doesn't work. Can't be my fault. But without getting confused over here is to go by if he has the wax and he can provide you wax right now then you can buy it for cheaper. You give the money now yeah. Less than also. So you want to what's the big deal easily I strike the muscle. Oh. So this is also important. Miguel am I so? The store that doesn't have the wax put in the order. They actually paid the wax guy. They never received it. That's not counted as if you have it. That's a lot of money. If you put in the order and you pay for the order but it didn't show up yet. It's on the way. I don't know what it's in the mail. They have to make a delivery but they didn't make the delivery yet. You don't have it. You don't have it until you have it. My old man came in he has tried the muscle. Somebody owes him extra in in Hebrew today extra means credit. You have credit in the city. You actually have it beneath it's like literally I have it in my house and I have to wait until my son shows up to open it or I have to find the key. No. You and I know that when somebody else delivers something it's not like you have it and you just don't have access to it. Come on even the I know since you you cannot you're you're missing the the store you find out to collect. Come on the lesson is done. You still don't have it. You don't have it you don't HAVE IT BOY SIDE. I COULD have all I could have your and have a wonderful day.