Daf Yomi Bava Metzia Daf 69 by R’ Eli Stefansky

[Music] good [Music] morning that ah is the sound of no one in this room final day here in Chicago B on my way back to it's morning here in Chago usually I give this sh at night but we are on the way to the airport B Tuesday night picking up with the Hebrew Shear on and then the following morning Wednesday morning in English in today is the following day of the depending where you are when you're watching this but this is a reminder the young 10-year-old girl s bass d h reelly i was 25 30 days da behind by PES I did not do what you always say to do you just keep on going with the D on day came and I told my wife and kids that I need to get up to date with the D I did go one day to have some fun with the family I did four five six and nine DS a day in I'm up today get never life learned so much in such a short time it's your power your credit for putting in your the love to learn the D thank you thank you SCH fer let's see if we're going the right way yeah a h Burger a number of years ago spoken the white after refer introduced him he started off a great mess occurred when I left the house I was staying at 20 minutes ago I was not a going and now I'm a going going back to the different titles that we have today my name is elzar Wolf I'm in sixth grade 11year old kid and I'll be 12 this Wednesday I've been daing with you since also learn is a picture of RAB and I'm sorry I couldn't get to the picture it was attachment maybe y will be able to grab it R doing the with all of his MD merch the day before I met him I decided to take a break from doing the D for a week so that I could finish for my birthday an 11y old wants to do for his birthday for his 12th birthday unbelievable when I met him he gave me to continue no breaks no break wolf finish many many as I mentioned in the past I live in big and give a she to I know that that I know what it is preparing I can't get over Trel it gives me see after to tell you this story I'm writing in English but please head over in the Hebrew share because it has to do with the listeners of the Hebrew sh my in Israel used to learn with his brother was working oning three years they haven't learned together when you started the Hebrew sh I told my about it and he and every so often he listens to the she he loves enthusiasm this morning he told me how he's talking to his brother and his brother told him that he's listening to yir in Hebrew and he can't go a day without it how did his brother hear about this year one day he called up his neighbor at 11:30 but his neighbor said he's in the middle of a DA being surprised that his neighbors in the da he asked which one and he was told about yesir and ever since he has been hooked on it keep inspiring many more to the sweetness of here's the picture that we were looking for RAB Bloom oh R Bloom I know this guy is he a rebi in no maybe just saying that he ah so he's our rep in Toronto got it okay what else do we have's do the sponsorship anous for safe and speed return of all the hostages down excuse meate learning for a fallen soldier le. l e k d o h m. to his parents gold and the extended Goldman families by theber family our father's second is Al headquarter Coffee corner vladis zarov and that I finally find a job and M is wishing to hear great news today everybody yes the H should come home the war should be over shouldn't know any more pain Bo we're holding towards the bottom five lines from the bottom and I have a question for the this very interesting think about this can I give you money give you $1,000 right now so that you should give my friend a loone a interest for I Ellie stansky give Mark ashkanazi $1,000 and maraz will give Yi K $100,000 loan interest free is that M what do you say believe it or not it's m we're going to have it in the gamar says the gamar like this the son when he was they brought a the father of he worked and he did he did a deal where he's going to work the field whatever it is and he'll divide the prophets half Prophet half he'll take a himself the loss now when you work so we said let's talk about is for a second here's the case of is the there's a merchant so R is the merchant the balab gives the merchant product and they divide the prophet now it says in thear that the merchant from Vash he was taking upon himself half of the loss now when you take when you take upon yourself half of the loss so we have a problem here of ribus why because he was working for the part of the P the part of the deposit and for that part he's making a profit that could beib so what did we see yesterday the way to get out of this really is for the financer the for him to pay the merchant for his work what does he have to pay onei pays the most minimum thing a dip in the fish bride another sh was the the the the highest one was one said way we had also pile bottle so that's the way but it doesn't mention anything in R over here doesn't say that he he received anything in Le of his work so it seems like there's a problem of ribus why because Rish is paying the B is paying him extra for lending him the product there's no way in the world would be so therefore let me just show you real quickly says either whatever it is the profits must be more than the LW so either R took upon himself third of third of the loss but he'll get a half a profit or if he took half the loss he'll get two3 profit regardless the point is if R's profits are always more than the loss then there's no rivus because he's getting paid through profit he's getting paid more than the other guy the merchant is getting paid more than the wholesaler if it was 50/50 why is he only getting 50% he's working he's doing all the work oh he's not getting 50% he's getting 2/3 he's getting one half but the owner is only getting a third of the loss the kids are the prophets have to be more than the LW and when you understand that then this becomes very easy we'll leave this on for a second here if he took upon himself half of the half of the gain tra said and okay why do you have to come on to such a thing that he was getting more profit less profit the prop was more than the why didn't you say that Elish dunked his bread in the brde if we just show that for a second the brine here we go fish with the brine that's also enough a little piece of bread in the brine is enough it's symbolic or that that's his said that like that brine is enough doesn't say that we asking like that since it says is like him and is like way ways like PT that was that if there's a mother and a calf you don't have to pay for the calf or carrying the calf on the shoulders this is just the this is showing that we're going over here but not that we passing like that interesting that the end of the first all the way then he says that anytime theor says is like this is like this and is like that we don't pass him like that because as the says over here it makes sense why does why does have to say that like this one that like this one like that one just say the most the best one the one that's most make which is the one that's most make fish brde the that's worth the least whey actually has some value in the mar what's fish Bri it's nothing the fact that he kept on piling it up and bringing more and more sheet that shows that you don't really believe that that was like that you're just showing a [Music] certain that they had we have a like this like this in that's how once you have a she like that it's not very good cuz each kid is different each this is so again we're talking about a guy he's the merchant he takes product from the wholesaler and he sells it and they divide the The Profit so he said if he gets paid for his work great if not not so one way to pay him is with fish brine another one is if he says anything above a third profet goes to you you're going to you're going to profit cheer more than the wholesaler and therefore that's your payment now you know what that's called that this is called there's a chance that there won't be ribus why because he's going to share profits above a third there's also a chance that it will be ribus will be below but RAV says doesn't work to we said it's good but RAV holds we're talking about in RAV now so says because it's so common to make that kind of profit it's already much more than it's like not not rib we know that he's going to make more than a third okay and what if it doesn't produce a third more he should go home empty handed in other words translation ribus he just worked he he he did all this work he's splitting whatever he splitting with you and you got your money back so you got your money back plus that's ready ribbers and he didn't get that extra if there's no third if he's not going to gain that money you give him you're gonna give him a dinner does ra really hold that we don't give a dinner a you take the head of the animal and you give it to the one that fattens the animal my love what's the case he typically gives the fattener guy guy that fattens the animal he gives him a third above anything above the third is the Propet plus the head so you see that he already said that there's a there's a head involved there he gives extra like a dinner one or the other he tells him to begin with I'm either going to give you more than a third profet or I'm going to give you the head of the calf but it's not both when R say that you're permitted to give above the third Prophet anything above a third Prophet goes to the merchant ah you have to give a dinner no he said in a case where the merchant has his own animal so there's not a lot of work going on here you don't really have to pay him for his work this as his own animal people say if you're already mixing the the fatter you're already mixing the food so you're already mix for another person you're ready making for for one person make for a second person not it's not that much harder so that's why you don't really have to pay and pay I want you to pay attention to the story tell me what you think you can learn out of the story it's a story story with he bought an animal he gave his animal over to his guy that's a professional fattener here take this animal make something out of him make him a mench I want to sell him soon I want him a a fat animal and he went gave this guy gave him a head here here's your and in addition this is what used to do we said you're getting 50/50 split on the prophets okay that's normal in addition I'm also giving you the head of the animal his wife tells him if you are partner with him just partner up with him give him a few bucks you become a partner with the animal and then you'll get a lot more you'll get even the tail you'll get so he went and he gave him some money so he became Partners in that animal and then and he gave him half of the tail you're not going to give me the head only the tail he tells him what I don't understand I'm worse off than before before when I was in a partner you gave me the head now that I'm a partner I don't get the head what's going on before that I was the only investor was all my money if I wouldn't give you a little bit more than 50% we're dividing we sharing profits 50% to me 50% to you if I wouldn't give you a little bit more what do we say that's called ribb ribb so that's why I to give you the head but now that we're Partners my commas you claiming oh that you worked a little bit more I mean most she crappers they work hard for the owner they go they bring to different places to graad whatever they need to do oh so what do we learn from the story so some people will say you see from here never listen to your wife comes to business never listen to your wife no and sometimes you should listen to your wife sometimes the wife shouldn't listen to you or some could say and this is this might be a better shot what are you getting involved what are you trying to make your pronounce some more this is what you got you got you try to try to overdo it it's going to end up hurting you okay I want to say just a very very very simple thing something practical when it comes to business if you don't spell it out straight out you can assume whatever you want to assume it doesn't mean that the other person is going to assume the same thing that's where all the fights start he assumed if he adds a couple of dollars he's going to get everything plus the tail and it turns out no a lot of times that's where the issues are don't assume that your partner understands what you're talking about and that he understands your slip and he understands that if you're going to do XYZ you're you're going to give because you would have done so and so okay you would have done that but he doesn't do that so it's to put it in writing again when you assess an animal so basically you're saying I'm assessing this animal you're going to work for me you're going to do something with this animal I'm assessing it now why because you're going to take upon your yourself you're going to get half the the profits you're going to take half the law we're testing so how much so we had read in the Mish something similar you have to work a donkey until he's able to carry a load Etc so nowar gives us other numbers here perhaps you're talking about another type of animal at a different stage of its life to 18 months when it comes to smaller animals months but if you're trying to divide these animals earlier your friend will stop you from doing so in other words let's say you have to watch this Don for 18 months so if you try to give it back after 10 months you can't do so you're stuck watching him for 18 months why because that's the minute his friend say absolutely not I'm not taking him back within 18 months but the word but is what we want to talk about we're going to change the word but but the second year is much harder than the first year say like how does this word butt fit in here have a nice picture here oh year one the guy could sit back on his couch put the baby in the in the crib or whatever it's not Mish like that it's a little bit Yoshi probably never took care of his kids when when they were a year old but okay you're too the kids ready look at that that drawing on the wall drew a beard the whole thing cuz the guy yesterday said that how would Ellie look with a beard here drawing in the wall now he's already using his iPad it looks like you got a little older the guy in the right he's starting to have some gray hairs from all the SAS from the kid climbing everywhere okay the kids are year two take care of the animals harder than year one if Tak care of the animal and the animal had a baby how long have to take care of the baby either 30 days for the smaller animal or 50 days for the larger animal why so as she says this is the time that we give when when you give an animal to Cen so if it's a smaller animal you give it to him when he's 30 days old larger ad 50 days old so it's based on that in other words you when you have a birth in your farm you take care of it for the first 30 days don't pass it over to the to the owner when it's two days old and what he going to do you're the farmer you take care of until 30 that's what the Torah says and by a larger anim 90 days have to take care there's a lot of stuff going on to take care of the youngster what does it mean have also picture here picture this isba the mother or whatever since it doesn't have teeth so it's harder to feed and therefore you have to spoon feed the hay like that or whatever you do oh so at the end of the day the original owner should come pick up the young calf if he doesn't from now we start dividing the profits of this young calf 50/50 in the young calf in other words 5050 is already a calf was born before the day was born 50% to the whole wholesaler 50% to the merchant 50% to the to the um Shepherd whatever you want to call it now after three months or whatever the period of time is now it's time to take your 50% animal home you don't want them so now we're starting a new is 50% of every calf that was born now we're going to divide that 50 in half 5050 so B the shepher is going to get three quarters because it's a brand new deal from here on out it's a brand new deal on the 50% of the cas so half goes to me half goes to you of that points out that there's no need to give extra SAR usually when there's a 5050 deal of a Isa you have to pay for the work over here you don't have to pay for the work why because 50% of the calf is yours so you're going to be dealing with this calf anyway so there not not not such a concern that looks like ribbers took half of his and another half of the half of his friend in other words the explanation is says rash you have to do you have to assess it in front of you have to do something professional you can't just grab animals on your own what if this animal is a nice strong one this one is is a weak one you can't just go your own stuff bring it do an official then you could divide it like that and in addition to that this place where you did it you had the the obligation to take care of it for a few months you don't have the right just to grab your animal and dump off the other animals by his doorstep you have to take care of the some say maybe the Jews okay they came from but two people they had a partnership okay they own a store together at the end of the day there's $1,000 in the till the partner went took 50% for himself and he left 50% for his friend he didn't like it what are you doing Republic not a problem I don't even understand what was his problem says when it comes to cash it's as if it's already divided says but the story continues oh great partnership let's purchase wine together so the other guy that he felt that he was wrong the year before he decided to do the same trick on his friend return the favor he went divided the wine without telling his friend he took 50% of the barrels of wine and he left a 50% for his friend who told you could do that I see you coming after me re yeah last year you said that my had the right to divide the money in half and leave me a pile of cash today when I do it and I divide the wine in half now you telling me I can't do it I always lose with you what's going on here sorry no no no you're wrong it's different the two cases are different did he take the good ones and leave you the broken ones the ones that are missing weight no he took ,000 $500 and he left you $500 when it comes to Wine every Barrel is a different flavor every barrel comes out differently who told you to take to split up the wi maybe you took the better wine you left him the wor the the the good the stuff that's not very good M love you're not allowed to do so so before I go to the sponsors we'll just take the sponsors here to make sure we do it you miss the beautiful tys here T says what's going on here why does r pup have to explain himself the is that you don't have to explain yourself could just say whatever he feels like this is he says no when a person comes to and he says last said the opposite seem like a good so for that is the the concept of a person has to be clean has to show that what he did was for act if the guy doesn't understand your too bad but if there's a contradiction in your from year to year that you should go ahead and explain it the Taz on the sa says on the something happens come to me and then he says because when there was Li means came last year like our story then you have to explain yourself that's he's been D from the Goof oh so we have to do the um yeah kidovations in order my I forgot to write it down the new one in the for sponsoring for the daily Lear Brothers of our grandfathers when you're dividing money between partners is already it's already divided you're going to take the same like there's different types there's the older money that weighs more there's the the newer money some people want the newer some people want the older for different reasons it weighs better does better this is newer okay so you don't want to mix two types of money but we're talking about that they're all the same it's all new denominations and we're doing the same thing everybody's getting the same exact that's fine [Music] very very interesting it's hard to understand almost but ra would rent out his money for a small amount every day it sounds like ribus that isn't that ribus I'm renting out money I'm lending you money and you have to give me me back that's renting no because if he's renting it in other words he's taking the responsibility of the oess if you're a borrower you're a you're responsible for everything even when it's not your fault a guy that rents he's not so he took the responsibility on himself says the the V points out that so first let's say what the gar says over here says that all his money all his money went five he lost everything why because he was dealing with ribus he felt that it was a ribus the explains that it is a ribus who saw why is this different than a shovel I could rent that a shovel you give back the same exact shovel I read you shovel a you return shovel a I see that some of it is missing there's a little bit of wear and tear but money you're giving back completely different money okay so this is something you cannot do with money you can't rent money the vill says however that if seems like BR different sources that if you take upon yourself like then it seems like it would be M to rent out the money take bu yourself all responsibilities then you could rent out the money bo this is a Shak I think this is a tremendous this is how I started this year a person is permitted to tell his friend we're talking about three people here ru tells shim you're a millionaire I need you to give my friend Ley a million dollar interest free because you're going to do that here I'm giving you a gift here's $110,000 that's not ribus why because the rivers comes from me ru to shim and shim gives a loan to Ley I'm going to give you four and you're GNA give money you're gonna lend money to my friend unbelievable the ters you from taking money from the lender to the borrower but if there's a third person involved it's m provided again I'm not a r ask local Rabbi but some of the that are very important is are the the borrower can never be involved here in any way shape or form in other words the borrower cannot give money to his friend that he should be the middleman and give it to the lender he also cannot tell the lender hey by the way my friend is a is is very good for his money he's going to give you a nice gift if you give me a loan it came from another person no but he's involved oh yeah reminds me of that story I had a crazy story in a guy comes to me he says um when are you going to give me the $50,000 that you pledged to the for my school I'm like what school tells me the name of the school I'm like I I never pledged $50,000 to your school he says what do you mean so and so said that if I accept this kids to my school that you are going to give $50,000 to the school I said I know that other person but I never had this discussion with the other person I never said something like that K I think that I think the kids stayed in the school I don't know what happened at then anyway but you could do you can't be involved you can't be that borrower that promises the lender that he's going to get a gift from another source amazing thing listen to this there's a thing there's a there's a few like this I think it's an amazing thing and this is what I'm saying that the of rib apply on a day to day there if you give them 300 she a month close to $100 a month for 190 months they will give your kid a loan they'll give you a loan for a wedding 250,000 shek it happens to be that they give back 30 I think it comes out to like 50 something thousand shek that you give them but you get back 30 something thousand shekel the bottom line is is this rivit or not every single month I have to pay a g $100 and in return they're going to give a loan an interest for your loan so the answer is the way they do it is they give the loan to the child directly they don't give it to you the child has to sign on the loan buying an apartment with this and this money a large sum because the father put in money that's M because of this gar right over here that the father is the third is the third person he's a third party he's giving a gift to the and in L of the gift the is going to give a loan to the son that's what it says here they go they do also and they do it tonight it's a whole it's a whole to how they do it but that's what they do I guess the gains that they constantly have cash flow they always have money coming in new money coming in some actually stays in the and that's how they do just thought is very [Music] interesting here take for I'm giving you slightly different the borrower could go instead of going directly to the lender he goes to the middleman he knows the middleman has has has connections he has pole with the G the bar could go to the guy with the connections and give him a payment and say here take this money and with this money you're going to go and convince the to give me a loan here what's going on there the borrower is giving money to a third party to do job to do the convincing that the the bank should give him a interest free law that's he's paying him for his negotiation skills but that's it says and I'll bring you this like with the wedd the son of papa papa that we just spoke about Papa he's very wealthy he had a beer factory so the son would do business almost reminds me now of a certain president in the United States where the son was was negotiating with other countries to get different deals done right so this this son of RA Papa would take wax and in return he would get his father ra Papa to give a loan so this is amazing because the father wants the son to benefit it's a great business for the son nevertheless it's not considered Rivers now that the son of reive this gift he goes and convinces his father to do a deal with that guy that gave him the gift no good this [Music] is this is okay over here he's only taking money words and that's bottom line is to give the money directly to the Mala like for me to give a middleman money so the middleman should give money to the Mala like we said before it's awesome all right says sponsored an appreciation of myself and all the KRA including Mark ashkanazi who's on in a restaurant right now stopped on the side of the road went the restaurant had to order food so that he could be behind the scenes today one after another hopefully you won't have to do this for a while says we spoke about this yesterday I'm going to work on these animals I'm going to spit The Profit with the owner 50/50 that's a problem right why because I'm not getting paid for my work I have to get paid for my work so since it's since it produces it's OA it's a it's a cow it's a donkey who's going to carry stuff for me it's going to plow so that's my that's my that's my Propet so I don't in other words he doesn't have to add the she dug him the way the the bride no my profit is I get the milk right directly from the animal I get to use the animal maybe I missed that word because we're dividing 50/50 so I'm getting more than 50 because I'm getting paid with the milk the place that they would divide the babies the the calfs after 30 days 50 days that's the way we do it if you have to do 18 months do more says no if a person is dealing also with the adult the the larger animal the adult animal so the the calf you don't have to you don't have he doesn't have to get paid for that why because he's getting so much milk from the mother he's getting so much benefit from the older donkey that the the baby is just uh after it's nothing this is an incredible we're gonna get into it right now that you could demand more rent on your field and you don't have to worry about rib so let's see what it's talking about the owner of the field takes more rent from this guy doesn't have to worry about why what happened the typical price is 10 per year and the renter says listen let's do a deal you give me a loan of 200 but this is the key word I'm gonna invest this money into your field and there and in return I'm going to give you more money for the rent of the field typically I pay 10 I'll pay 12 for the field why because you giv me a loan so I'm giving you 12 which is extra money instead of 10 in L of a loan isn't that ribus no the reason why it's not ribus and only this very specific case is because I'm reinvesting into the field I'm taking your money so that I can reinvest plow a fertilize I'm making you feeli better I'll give you a muscle here similar to what thear says later on but by us in the real estate business like we try to get people to um renew their lease when at the end of the year right that's the whole struggle we come to them at the end of the year and say listen the rent is going up a little bit so they start threatening um we're going to leave we're going to go to another place okay so then sometimes depends on the ma and how right now you know if there's a waiting list is different but sometimes they tell you well we want something in return we want you to paint the apartment he said okay fine we'll paint the apartment so I said listen we'll even give you a a package of lighting we'll give you brand new Chandelier and then lighting fixtures and this and that so the thought behind it at least for me is I'm giving the rent or something but at the end of the day I'm investing my own property now my property became more valuable so after they leave I still have those nicer fixtures paint not so much because paint usually we have to we have to paint every single time they move doesn't matter how long they there we have to repaint the apartment but let's say light fixture a new refrigerator I want a new stove you a new stove but okay so yes it's not going to be perfect it's not going to be brand new but at least now this apartment has brand new okay so that's the over here I'm giving you a loan but really you're taking that money to invest in my in my field that's why it's not so much of a loan we cannot do the same thing with the store I'm renting you the store and I'll give you extra money so you can invest in merchandise and not for merchandise for the for the food for the for the boat why cuz merchandise doesn't help the owner of the store at all sometimes yeah I have I have a property we have restaurant the guy invested hundreds of thousands dollars in the restaurant and then he left so he left us it's a gift right that that's actual now it's easier for us to rent it out to another restaurant sometimes sometimes it's a Hass depends on the thing so here also the says sometimes it is good for a store sometimes when you invest in the store you make a beautiful painting on the store now people want to come they they rather go to the nice store than the sword that's not painted doesn't have this nice depiction s the mass whatever it is I'm investing I'm putting a new engine in the car it's great for the owner of the car people love it they they they pay more money for that you have a nice New s shap since it's better a nicer sale it's better you get more money for that says comes to boat seems like a contradiction you take rent for the boat but you also take if there's any damage to the boat now damage to the boat would mean that he's a rent means he's a so which one is he is he a renter or is he a borrower only a borrower pays for damage a renter doesn't really pay for damage overl the regular wear and tiar whatever it is yeah if you had an accident I understand but that's already rent the car is a little different what's going on here it's one of the other if it's alone then it's ribus if it's a you shouldn't have to pay on the side says another where he brings down all the places in where was Qui I don't understand ra has a great reason to believe what he said you didn't hear this remember when we had by a woman idea that whatever let's evaluate the Sheep because usually it's don't sheep so it's called so bar today how much are your sheep worth $100,000 I have to give you $100,000 regardless of what happens if a storm comes and kills them all I have to give you $100,000 that's barsel it's all like metal let's make that deal and I give you these $100,000 worth of sheep we evaluate them now we're going to split profits 50/50 what is that called ribus I gave you $100,000 you have to return $100,000 plus profit half of the profit now it's possible that there won't be a profit at all maybe there'll be a loss okay so that's why it's RI the not so to do thisw to take and give Riv to a non said this is something slightly different if we evaluated a cow and he said I have to leave to the airport in 10 minutes what if he says um here's your cow and we're valuing at 30 and I'm going to give you one sell every month you're louder why you didn't you didn't make it into a monetary thing what do you minute we just did we said it's worth 30 you just did here is even though if the cow goes down in value while it's alive we don't care we only you give it back as is so in other words the assessment wasn't done for live animals only for dead animals so what do you see see that even though he took upon himself full responsibility of the cow it's not it's not considered alone why because it's only after the death says so too by the sh okay you know what maybe we should stop right over here because I really have to catch my FL I have to pack have a wonderful day B see in again for everything thanks Chicago for having me