Daf Yomi Bava Metzia Daf 75 by R’ Eli Stefansky

[Music] go morning welcome welcome to all the guests shim over here in this corner shim in that corner happy birthday you hurn [Music] it's dangerous to say happy birthday tomorrow I'm happy that every single year people write in at the end of the that because of this reminder they is the first time in their life they made it through or the third time whatever it is so we're happy for to do the service is there any way maybe you could maybe you're on it let's try that I can't it's not pushing okay I'll go like that spare time waiting at the mechanic says a farich found somebody learning the da must be a Jewish mechanic because of those kidnap signs in the background look at this this looks like [Music] and on the wall on the wall there's a poster about the sh no words could express my to you as we just finished for my son didn't miss even one it's all about the especially when I watch you giv so many he must have the record for the most emails sent in one of them in Hebrew we're not going to go through Hebrew I thought this was funny um schim sent this to me this from a few years ago during Co you could see we're still doing print outs of froma Gutman from RBS and this is in Hebrew he says I'm sorry that I'm writing in Hebrew but it's hard for me to write in English there's a lot of people like that here in RBS yeah I'm thinking unless it gets very noisy you could also turn on the a condition right behind you you have the that's not what I was might maybe we could have cut that far a lot of guys here that speak a perfect English right behind you perfect English but hard for them to read and write in English I I I enjoy and even though the she is in English it's a no especially because the the sheer is in a simple English that fits in for American Israelis like myself I wish that one day he'll start saying a Shear in Hebrew so that pure Israelis could also benefit not going to happen I don't think have to think about another share in the evening before we do that now for the sa and speed return of all the hostages you never know you never know you think today is not going to happen it happens not only that it did it happen I'm so happy that it happened and in fact I felt in when I was in America now one of my biggest issues was that I wasn't giving the Hebrew she before the English year and I felt it as I was giving the English year was on a different level it really helps a lot for the English the it gives me two extra kazaras really I'm able to to to repeat the review it and just fine tune even slight things yesterday we had that chart that I didn't have for the Hebrew I saw that the guys in the Hebrew like small little chart I think it made a difference y Klein's wife called up and said it's her husband's birthday how do I pay for this please so Yi Klein happy birthday he's again he's somebody I forgot again he just told this to me a week ago they I think he said he puts in every single day six hours for mdy something like that six hours day he tries he has a goal to give MD y give them of his free time Spare Time six hours that's a goal so happy birthday and it shows he did the shabbaton and he did the charity event two massive things that we had this year he took it upon himself it's unbelievable rabai we are doing the last usually when you hear that noise that's slvy fredman or meni you could Shalom they don't want coffee they just like to blow a lot of smoke a lot of hot a a lot of hot ear Shi how are you was very happy yesterday why cuz he your buddy was here like yeah all three of you in the same he sent the email the what Ry sent me an email two ah he sent you an email I got it okay it's a small world you know what it's interesting because Ry also started way before brother I mean he's already you know he's 5 years ago he's four years ago but four years there's not a lot of people that are here that long and you all learned in the same class in school in Brooklyn somewhere um what we're going to try to do is finish the peric today and in the last few minutes maybe do a quick just some of the that we learned and we uh so we come away with at least for me it's I come away maybe feeling that certain things in my life that I didn't realize might be ribus they might be ribbers you have to think about it here I'll give you an example you tell your kid you know the kids are fighting over candy so you tell your kid hey you take the LOL you give it to this kid tomorrow I'll buy you two lies I've done it before is that ribbers or not it's your kid it's a l that so the far say this is ribus mish ribus you know you could argue and say they're being petty you tell your kid lend him I'm I'm borrowing from you you give it to him I'm taking responsibility I'll give you two tomorrow it's a you're doing it because you don't have if you had the extra L you just give it to him you're giving him extra because you so you don't listen what I'm trying to bring out I'm trying to make a point there's things that we do in our life and we have no clue that it even it might be an issue I'm not saying it's an issue the says okay whatever you could you could argue here's another cool example your friend says Hey help me build my Suka you help me build my Suka today I'll help you build your Suka tomorrow the problem is that your Suka is four times the size of your neighbor's Suka so that could be a serious problem with rivers I'm helping you build the Suka today because I want to I need your help tomorrow okay but it's a it's a mish I'm not I'm not even this is not even a safer this is talk about it not work so let's let's see no here you're not a thing from he's doing work you're barrowing work you're borrowing your hours you're not paying it not a work okay okay okay okay okay listen listen listen okay okay okay you're right you're right you write me a book today I'll write you two books tomorrow that's definitely that's definitely not ribus let's see what do you say mine is not a very good verys okay but you give one cheer I'll give two sheer oh also lost I hear also lost where are we the last last words on the bottom of lend me a certain amount B final final of known as one of the hardest PR and one thing I learned from whatever they told in is a big lie is one of the easiest one of the one of the mostest one of theack FR him in okay not everything they told you but they told you that it's hard as pering it's not true lend me one bushel of wheat and he says okay how much is this here we we even have it in a in a little bit of a give me that wheat how much is it worth it's worth 100 we decide today it's worth 100 decides they decide how much it's worth if the price went down here went down to 90 he gives him the wheat back cuz he borrowed wheat gives him back wheat hu but if the price went up to 120 as you see on the chart over here you decided that's the why is it when it goes down in price you can give him back the wheat you're ready linked it to money you already established how much how much it's worth you said it's worth a 100 so why giving him back a bushel of weat you should give him back a 100 are you right little bit we have to fix it up a little bit not if you didn't establish how much it's worth then if it went down in price since you borrowed wheat you give back back H and if it went up you could give you give money says the sponsored in recognition of myself in all the mdra I don't know who it is some Anonymous sponsor you cannot tell your friend lend me a certain amount of Wheat and I'll pay you back a certain amount of wheat what is that called does it iser and we're going to see in this mishna CU people ask me so how do we do it does it iser to borrow a certain item bag of milk uh milk and return milk so we'll see if that works on milk the the idea we always talk about is wheat you can't you can't borrow a certain amount of Wheat and return that amount of wheat because there's fluctuation in the prices it's possible that you're giving back more than you borrowed you borrowed $100 worth of wheat one bushel full and you gave back a bush but now the bushel is 150 so you gave him back more so how do we do it when it comes to wheat to to milk to bread to oil to eggs to Kal here could you borrow let's say you're on chabas and you have extra guests a lot of times it happens you go to the neighbor do you have extra kala that's a case in the mishna we're going to have it in a second borrowing bread to return bread what about saying thank you that's a whole that's another part that's another mission now now you just jumped a whole different topic but it's it's on today it's on today's thing you're not allowed to say thank you to to answer your question to say thank you unless it's a very simple one not a not a sincere one like a just the way people talk like morning thank you but you say thank you very much for the loan that's a we'll get there there's a story about the bris you could put it here anywhere where you want but it's a real story that he used to go to this place called kwood krenit something like that a nice resort every single year to the what Kia where is it in Poland it's a resort the the the people that owned it with the England Englander Brothers kids he didn't have enough money to pay for but he went there for 19 years straight and uh he would pay over the year and when the war broke out he escaped bris and he he didn't know what to do he couldn't how is he going to pay them so he took he said okay I owee them let's say a thousand whatever they have in Poland what is it Ruble Latt and he transferred to dollars he said whatever the the value in those days you could do like today in shek the dollar okay it's $500 I owe him $500 and during the war they took those brothers and they sent them to Siberia and he would send them packages he' send them a lot of stuff so that's another shil that there's a problem of sending somebody that lends you money stuff but okay that's a different thing he sent them packages and after the war he found out unfortunately I I don't think any of the Three Brothers made it through the war but he paid them back based on the dollars the the transfer the dollars and it's a whole it's a whole Nan we're going to see some of these Halas here today and they the family said we don't want money from you because you sent them package he said no the package has nothing to do that was part of the whatever okay so it says like this this is the famous m we we mentioned this a number of times I have in my house I have 5 lbs of flour so I'm allowed to borrow from you flour cuz I have what is that called yes if I have it so I could borrow it I don't need yours I have my own so let me ask you something I have 5 pounds of flour how much flour could I could I borrow based on those 5 PBS could I only borrow five pound or perhaps I can borrow 100 PB what would be the SP to be to be able to borrow 100 PB I only have 5B it's a very interesting SP we're going to see soon I I have it it's right here I just don't have the key I'm waiting for the key to come so that's yes the famous H H we always passing like H in this case we don't Hill says there is no concept called yes he doesn't believe in yes it's it's ribbers there's another thing you're on you have extra guests you're stuck with that you should not borrow bread from your neighbor if you convert it to money say okay how much is 10 okay I owe you 10 but not what if the price fluctuat so that not son today I don't think goes up and down like that every week $100 pay back now it's 36 oh you're talking about conversion of money that's a yeah yeah yeah that's a quick that's a up and down right that's a quick in nowadays that's something that really moves diamonds move there's a lot of stuff that moves even wheat moves on the market there's the wheat Market there's the but over here the say that the the weat okay fine usually does you come to ribb now is a header and argue on this say when it comes to and this explains why in America they probably don't even know what we're talking about it's very very common you get a knock on the door got to have a half a cup of sugar so why were we allowed to do it because of this argu they say if it's a small insignificant thing sugar oil all these little things we don't care nobody cares yeah so that's a one we said there's a there's a there's a to lend somebody produce if you have it yourself the borrower has it so you could borrow but only the amount that you have you have a 5B bag of flour you can borrow five pounds you have 10 pounds you can borrow pound you could you could borrow 30 times the amount course 30 Kam 60 100 a million times the amount what's the far is as follows when you have a bag of flour in your house you have it in the closet and you just borrowed a bag of flour so now you have two bags of flour how many of those bags of flour can you use right now both I can use both I can make Kal from both I don't have to hold it on the side as a as collateral for that guy because I have it one bag I could borrow another bag so if I could make a out of this bag guess what I don't want to make a I want to borrow again against that bag I could eat it I can consume it so let me borrow again against it and I keep on doing that trick over and over and over so the summ sh him that you have to pause in between each trick if you borrow a million pounds you have to do this a million times you have to go to the guy can I borrow a pound can I buy a pack a million times or no some say no you can do it in one shot it happens automatic okay it says in the Bri if he doesn't have one drop of wine then he doesn't even have the yes he doesn't have this of yes because he doesn't have a drop of wine he doesn't have but if he does have one drop doesn't say how much it seems like one drop is enough to borrow a whole bottle of wine and says there is no concept so again to reiterate in when you have and how do we when it comes to M weing like so should have been like is like and also we always comes to M so both of them that is like in that there is no concept of we don't care about neither we don't we don't pass like there is a concept of yes so real quickly I want to show you this this my touch is not working already brand new screen galic okay so when I borrow a pound of flour for my neighbor I'm allowed to do it if you have one of these fourum yes if I have it which usually I'm not borrowing a pound of flour if I have it but sometimes I have it in another apartment it's downstairs upstairs and now we have the idea of ma what if I have one cup but I want to borrow 25 cups so that you could have yes I don't have enough that could be a head there for many things like like like milk something like that we saw if you convert into into into money to the value of the money and this is a very good header if there's a steady price in the market for the Kal for the milk milk usually doesn't fluctuate very much for months all you need is a few days so you say Okay I I know exactly how much I'm bar I'm baring this one gallon of milk I'm going to pay back a gallon of milk so all these could be good atum for a woman should not borrow bread from her neighbor unless she H says this unless she converts it to money to the value of money you don't have to convert it to money you can just borrow why because that's the Hat of does that mean that you don't have to return it no just the extra the d m is on the increase in price you bought a that cost usually 8 she it went up to 850 I'm not going to start oh you owe me 50 I grew up the it's not it's a small it's a small item small interest we're not we going nitpicking on small amounts now we're going to actually here listen to this there are people that do nitpick of I don't know if you ever like when I was in when used to go on trips with with your friends every single thing was written down 175 for for tunafish and then you divide it and calculator it and you know each person had to pay exactly so when you're going with a bunch of guys like that that they're tight for cash and everything's a you got to be careful on measurement you're not allow to measure on chabas you're not all to way anything it's interesting because right after PES I got on the scale and my wife walks by and she's like Ellie it's not going to help if you suck in your stomach so I'm like no I'm just trying to see the numbers on the [Laughter] scale but it's also to weigh on chavas so you're not going to start weighing things oh you took half a Kala how much did you eat how much did you eat you can come to different isur when you have stingy people eating with you you start counting up he took 45 and I took 32 and it becomes a whole thing it's awesome it's like it's like it's like dealing business on on Chavis it's this is interesting when you go to your neighbor and you borrow Bread on chavas you have to be careful how you say it if you say the word borrow it's AER you're not want to be le he has to be can I you can't loan a bread you have to borrow bread you could borrow borrow is okay but it's not it's not true because in Hebrew it's a big problem in English maybe it doesn't transfer because you're when it comes to food you're not giving back the same thing so you're it's actually alone right and that's AER when you when you borrow a drill you you take the drill and give it back same drill so that's okay but when it comes to food you're you're giving back another item so theid you're using the wrong you should use the wrong L not to be over on this problem you can't do my neighbor when I moved my neighbor said to me we're not we're not paying back each other I'm going to borrow from you I'm not paying you back you can borrow from me I'm not you don't have to pay Matas we're doing Matas that's it there's no paying back anymore yeah that's my my neighbor also did that to me but I never borrowed anything from them the chers Y is very into his cheers I'm sorry you it's it's one of the greatest mes ever M by the way we're missing 10 of them if anybody I'm serious my wife just told me yeah okay just to explain the story The is doesn't know we have a story here that's like Costco it's called Oar so once in a while they bring in a product so they brought in these folding chears from America Gish I had I was giving sh then they the the synopsis so I bought 20 folding chairs C they don't sell them anymore you can't get there's no replacement unless you could bring them in on the lift from America so the the value is like gold and I'm missing some over son I see them in front of his house Knock knock hello can I have my chairs back they're mine get out of here yeah I wasn't the only guy that bought them from Costco he's saying okay fine as we just said H says there's a problem with ribb by there's no this is a BB you're not going to believe this after the whole per of says there's no but it's not literal because once start looking it's a whole different storys they give each other gifts oh so what was saying is actually on the bottom look at the last last line a small thing like a little oil little salt but you can't do a mortgage oh I'm we're going to do a $25 million mortgage I'm you all the ribb that doesn't work says T another thing is it has to be food it's only on food items and another thing that the says is that it cannot be because how do you say in how do you say means that we established a fixed price before the loan even happened I'm going to give you we spoke about this I'm going to give you 100 and you agree to give me back 120 that's established beforehand so if I tell you by the way have to I'm going to borrow from you a cup of wine I'm going to give you back two cups of wine that's awesome even though but we spoke about okay most of us don't have this problem we're not we don't have to worry about this and he would say would say to he would do what the says don't do give me 100 peppers and I'll give you back says it's it's very good to do like that not to teach your children so you give your kids some money and they have to pay you back interest every week they're paying you back interest so they learn how terrible interest could be because the kid will see how difficult it was for him to pay the ribbers so he's going to turn around and start taking interest from people because he he saw how bad it was he's going to he's going to feel like is on on the reverse he saw there's a famous about K that there was a kid that was uh commanding in he was making a whole things his father yelled at him or maybe did a little bit more than yelling he he roughed him up a little bit so K said listen I saw what happened you taught your kid two things you taught your kid two valuable lessons you taught him first of all not not to go crazy during very good he also taught him that when you get upset you could yell and hit he says but the second message he got a lot stronger because he saw with his own eyes he saw that when you get upset this is what a father does the part you just told him that that that it's not a nice thing he doesn't know if you're right or wrong well the second message he for sure got so kid sir you got to be careful on how why because had had good intent I'm going to teach him ribbers but it turned out that it was the exact opposite he taught him the wrong thing he taught him to take ribbers the bottom line is that based on I mean not based on this but this this is something about taking that candy and telling your kid give you back to tomorrow could be a problem of even if you don't believe this that it's ribbers but it could be teaching him the ideas of ribbers says the sponsored in my recognition of myself and you'll help me pull the weeds today I'll help you pull your weeds tomorrow you'll dig I'll dig with you today and you'll dig with me tomorrow me when I was learning this I was laughing because when we were younger in Chicago I had a very good friend I still have a very good friend his name is Morty Morty leix he was uh he's actually my boss in the construction business back in the day we're now our 20s we both bought homes then so we we made a deal I said listen I have this thing in my basement I want to dig up CU I had a leak and we were fixing a leak in my basement I said you help me dig and I'll help you the next day M just like this he helped me dig the only thing is he got me good because he was taking off his his best as tile he told me this best it's not such a big cancerous problem it's a small Cancer all you did one of these flimsy masks you'll be you'll be fine the whole day were sitting there in as bestas taking off the As bestas and uh that's how he did it one day he helped me one day I helped him is that okay so he was over ribb over here with this best why because it says you can't do two different work two different jobs you'll help me with the weed and I'll help you with with with digging one is harder than the other that's already ribb also so that's the problem with how about this you tell your your brother-in-law listen I'm going to Japan on a 10-day tour with do me a favor I have three kids at home uh could you watch them he says but I'm also I'm going to Ireland next week and I have 17 kids is that is that ribus something to think about your kids have ADD mine don't is that ribus you know what I'm saying this is it could it could get a little sticky they say dka with babysitting different okay B by ER of the bigger C Consulting and Paul with for bring rebell into our lives all the dry season all days are considered one says rash even though some days have longer more hours you work one day in the beginning of the season I work one day for you at the end of the season even though I have to work extra two hours cuz the whatever the whatever happened there with the season it's okay it's one season the the rainy season is one however it's not fair to say you help me plow in the dry season I'll help you plow in the winter it's two different two different jobs one is much more difficult than the other oh new Concepts we actually mentioned them already there's a early ribus and a late ribus very important to our daily lives yeah like one of my good friends said he got a a mish a beautiful gift from a from from one of his buddies St in Middle on a Tuesday afternoon beautiful like what's going on here nothing okay looks appreciates it a month later you do this and this and this for me retroactive say it's not a big deal I would have done it anyway but what retroactive clarification retroactive clarification B yeah we have and I'm I was thinking out loud last night one of my best friends in Chicago owns a bank when I go to this kids weddding I Su big time I want to I want to get a loan from him tomorrow he comes to my kids wedding zero nothing I oh sorry I hope he's not watching now whatever he's going to pay maybe it's it's a problem what am I doing why why am I I'm so nice he asked me wants to uh to do a dance with him for his kids wedding I wouldn't do it for anybody we went to a professional dancer I'm not joking this this this spin around take off the jacket the whole thing this is years you know when I still live in Chicago why he's a good friend of mine that's why and also on a bank you got to think about it so the is when it says says in the and he says that's if you say specifically I'm buying you this gift because I want you to do XYZ now they say but what if you give him you deliver car's house on on Wednesday afternoon a brand new Tesla with a ribbon comes do you have to say I'm giving this to you because I want a loan everybody understands the reason why you just gave him this car is you want a $25 million loan from him it's POS so in that case if it's a large gift you don't have to explain but the M says what if you borrowed and you gave him back that's it you're done and he says the reason why he send you such a beautiful is because because you gave me alone is it no it's it's not exactly it's not you didn't you didn't establish this before the loan this is the loan is over already I'm giving you a gift afterwards this rib rib this was his question could you say words don't say you should know that so I'm giving you information inside information you always want to meet this guy you'll get a nice thing from him he's coming tomorrow at this it'll be in this in this hotel it's worth it's valuable and these are the people that are over it's very interesting usually when you do a you're over yourself the two parties are not over over here two parties three everybody gets a nice over here and more theant even theer here we have a picture so I just want to so you don't have the same trouble I had because the six AAS here in the mishna and I couldn't find them until I realized that this is two check this out right over here blue and red are two different so if you know that trick now you can go on is two is three so this is very interesting there's iser to press and and uh press your your your borrower to call him off and say hey pay me back that has nothing to do with Ribbit that's every single loan the Mish throws it in because you're such a balava you don't care about all these other you we're probably not going to care about this either yeah but we started the whole that was the first in the difference between yeah but both we said at the end that it's it wasn't one one I think that's number five nothing to do with you're causing somebody else to said did you notice this is not such a kiss from hasem Cu uh like is in a few weeks but I was just thinking as as for the last five years you couldn't go to you can't go to it's not like it used to be whatever the sign is from hasem I don't know but this year it's completely empty over there you you never said alone to this guy and now all of a sudden there alone so now you say hello to him which just as a side point that the gor says that it's a Mitzvah to not Mitzvah but always you see people in the street you say hello to them you smile to them I don't understand why there's certain people you say hello to them and they just look at you with a sour face like says it's gzel if you don't say back gazel I'm I'm in the mood to ask some of these guys they do good morning I'm thinking and learning stop bothering me you know like one of these looks I don't know okay is a of a famous we have to repeat it over here because was a young B this he was about 14 years old he borrowed money from somebody in Yesa and he gave it back to him and he said thank you and Y at him says you don't say thank you on alone following year he borrowed money and notices that he gives back the money and he didn't say thank you so yelled at him so she says I don't understand what do you mean I'm doing what you told me he says no no no no I saw that when you didn't say thank you you didn't care there's no there it should have been like I want to say thank you I can't say that at least should have had some body language that you care something like that what yeah it's a whatever each person take out of it what you need but the point is don't be I don't have to say thank you not I don't have to say I probably have to do the opposite of thank you no remember this should have a doesn't mean just we have a iser of of ribus so we don't say thank you but doesn't mean that whatever you don't throw it in his face and spit at him did I oh the six in the are for the two other if you are the borrower three in the and the guant are only I could ask you a question why are they not without them there wouldn't been a document and they would alone so they should be over so T discusses it and he says sometimes you could do alone even without a people don't care about so much so they they weren't the ones that made the loan happen but they're over they could be over e if it's a type of loan that they wouldn't do without a the Yoshi really wanted to do something with a credit card and he more than you gain from borrowing on credit or whatever you lose the Rashi brings thear that we had that your your you lose everything forever we said over there remember the that it doesn't even go to another person that you might have owed in the previous whatever okay but more than you gain you lose make in other words the reverse says they say not didn't really understand had he known what was going on the loans that we do between us and and everybody's doing well and because of this we're making money he wouldn't have written that in the if you lend somebody money and the time came to pay you should make sure you don't walk in front of him why because when you walk in front of him you embarrass [Music] him another that we could take something out of this the I'll tell you the name tell me what this is you can't answer maybe you know who Isel epin I told you how did I that you're huh he took his nden that he got from a and he invested with someone what happened the guy went bankrupt zero so he went to that City to talk to the guy maybe there's something that maybe he could take a few pennies out of it he comes back and says no he says no I found out that he's completely bankrupt and I don't want to be over on this iser of walking in front of him embarrassing him so I didn't even talk to him I'm just saying to uh to pay attention to this idea that sometimes in certain situation it's not ala it was a loan it was a a business deal you know that if you walk in front of a certain person he'll be embarrassed so it's AER but I have a I have a hat for I have a hat what would be the hat if you today lent money to somebody are you allowed to call him up and walk he didn't pay you back is there a Isa for you to walk in front of him he gets embarrassed I have I have a hat there I think it's a good hat there if the guy owns an apartment owns a car owns anything he has a even though it's only $25 has a to sell his house to sell his house to pay back to $25 that's his so you don't have a is to walk in front of him he has a to sell his house he doesn't want to sell his house that's his problem you let to call him up I I think that's ask your local Rabbi but I think what not completely bank right a per unless there might be a few in the world like that in our neighborhood at Le most people own something that his wife's name that helps in court maybe but you're right can he break his kneecap Bo I forgot to show you this Mora picture of uh a guy I work with you in the summer you work with me in the winter okay toor still need a few minutes here for the review when you go in front of him walk in front of him embarrass him you are judging him with two different things with water and fire says which means to press the payment to press him we came with fire and water you're going to miss the if you take a loan you lend money and you don't use Witnesses the says it's in the it says when you lend money should be in front of be in front of the nation be in front of the people so that he cannot deny it so means that later on the the bar will say never happened you be curse on yourself they're going to speak they're going to speak against the lender they going to say the lender is a bad guy look the said it never happened the lender is lying they told that there's a person by the name r Rashi right they both wrote the you should know R he does everything in the so he tried to check him out he sent him on a shabas I need I need a Quick Loan By the way it's a known trick whenever somebody says quick quick quick I need it just for one day run for your life so anyways I have a deal I need some quick money you're right okay I'll do it no problem but send me some I'm you know you're talking to certainly you you're involved in your learning you'll forget and you're causing me a curse the famous famous story with the r he had a and he was in the middle of learning and the guy guy came and paid him back he opened up the gamar put the money right in here and closed it kept them going and then the rash went after him and he calls them a bad name in the neighborhood and then one day the rash was learning and he opened he found the money there and he had a lot of K and the guy said I'll be on condition that we make a between the the said it okay fine that's the famous uh no it's not ribbers why is's a came into a city and he gave his money to the rub of the city to watch over shavas and afterwards the noticed about to leave the city SE people gather so he runs to says take your wallet back says look I was shabas and is that you have to sign with a I didn't sign with so at the time I said I'm just going to give it to you the as a was too late to get bring ad start writing too late before shabas it's a it's a gift so the said okay so I'm gifting you back to you says no no no not to take gifts so the r said the r put it down he says okay it's Hef whoever wants to take it can take it because already he so but you see this idea they have to write somebody mentioned Benny mentioned yesterday I agree with him that because I saw that they speak about man a small note IOU is fine that's the minute today IOU for 100 we're not going to start getting Aid them and everything for a larger amount maybe so he said today we WhatsApp I borrowed here confirmation WhatsApp is the best confirmation today everybody has it so it could be he's right I would say that he's I I would I'm not a r again ask your local Rabbi but I I would assume that the ra would say that's fine especially for smaller amounts there's three that scream in B and nobody listens to them a person that has money and lends without a you're going to come to B and oh he owes me money too bad prove it you acquire a master for yourself one that his wife rules him what's the wife rule this even though this is a Cornish joke but it m brings it out I love it there's a guy that his wife used to he was a wimp and so he decided he's going to go to to to marriage counseling he goes to marriage counseling and the guy after like one of these $350 sessions the guy he taught him you tell your wife in this house I rule okay in this house say it repeat after me okay he repeats it 100 times in this house I rule he goes home he's he's ready he's ready all sudden the door opens up he goes crazy he doesn't know what to do he hides under the table so she comes she says what are you doing on the table get out of the table right now he looks at says in this house I rule he's like on all all four but he's he's hiding on the table in this house he rules no it brings it out the wife is Mo on him so what does it mean oh you'll see here person who who tells everybody I don't have any money it's all the the neighbor but the GU finds out about it he says oh yeah it's mine he says okay I'll take it the famous thing don't don't write all your to your kids cuz that kids got the money became greeting they they toss the father out they put him in a nursing home there was a where a guy gave everything to his kids and then as soon as they got little stuff they they stopped visiting him they stopped you know taking care of him so one day he called him up he says listen I have this heavy safe I need you to to help me move so all the kids came and while they were moving it like the door flings open and they see all these diamonds and stuff oh he he closes it back from that day on the start being and coming and coming and of course after he n they open up the safe it's a bunch of glass and like he pulled a fast one on them so Z says I'm not joking it's in the safer he says he says that he did the right thing he's a lot of fools kids because they have and they whatever okay fine it was bad for him in this place and he didn't pick himself up and go to another place there's a person this room right now he doesn't like when I say over the story you know you know you don't know you don't know he lived on my block and he had terrible issues with his daughter his daughter every night epilepsy and things that he picked himself up he told me he's leaving and B I don't think it ever happened again once he moved to last time it happened is the day they moved the last time it happened is the day they moved I don't know if he's asking I say I'm not going to say his name he's not asking okay but it's a I I keep up with him all the time he's in the room right now and I ask him all the time says can't say a word this is a few years ago that he moved a few years and every night i' see him tired he come in the morning what happened she was up again yeah another epilepsy another unbelievable he's sitting right next to you actually sleep yeah no so I I thought about aat I don't know if I want to share with the it's a little bit I'm throwing myself under the bus here but every time I go to Chicago I have this I try to figure out like what's going on in Chicago so it happened to me here let me show you this is one of my favorite pictures of all time from MD this is a a picture in that was taken in B Park you can make it large the I came there to to gave a Shear in middle of yamus in middle of just a shear and this is the amount of people that showed up 1500 people they had a clicker at the door 1,500 people showed up to the shear m is flying high the next day I go to Chicago seven people showed up to the she Mish the whole gy was crushed and everything that another started coming kicking in and I'm thinking what's theat everybody knows me and the whole thing and this just last week I had aat in Middle right it occurred to me I was in Chicago it's like a is telling me listen had you not moved ter is you would have stayed in Chicago You' have had still seven people in your that's it it doesn't matter how many people started coming to afterwards doesn't matter that in New York it's in Chicago you would have stayed there seven people the same seven people you had for eight years giving the she that's the same seven people you had out it's a good thing you picked yourself up and went somewhere else here where you guys going we're doing a now the seriously hold on you'll tell me later it's only in a loan not you say in the beginning I will give you this amount you return this amount aakib we said is ribb the when let's say we even had today cases where it wasn't established to begin with I gave a present afterwards whatever it is is a gift before a gift after we said Isco you guys remember what is is it's you become partners and what happens I take responsibility on half I take the loss and the gain half and half so half becomes a deposit and half becomes alone and that is is two words the big rib is when you say that the money is for waiting I'm waiting with your money that's why I'm paying you back more that's what sis is a forward contract on food I pay you today and I get fruit later and if the price of the fruit goes up it's okay provided you have one of the two things either or means it looks like ribus we didn't speak that much about it this you guys don't know what it is what's t huh oh if you pay now you get a cheaper price you pay later like with t that's a problem of T so you all know that you borrow one thing you give back another you give the same exact thing back that's AER unless we have the term that we saw today means you give a you give a loan based on collateral and you use the coll let's say the guy gives you an apartment for a loan and you use the apartment so you have to take off a little bit of the loan based on the rent when the guy takes upon himself he says I'll take a lot I'll take a lot of game but very little of the loss somebody s who sent me this yesterday beautiful who check this out as what's an asak here's a beautiful case of asak check this out we have a video there's a gold bar in here worth $1.2 million you stick your hand in there if you pull out the gold bar you get to keep it never happened until today reaction if you can get this $1.2 million gold bar out of the box you get to keep it but when this boy slowly managed to slide the gold bar out of the box the company that held the competition took the bar back from him because they didn't think anyone would be able to do this challenge what would you do in this sit so that's an they thought it's not possible we don't want to give it to you so it could be an American law they would probably lose they' have to make some sort of uh but that's an I never thought that you'd be able to take it out had I know that you can take it out I would give you that kid doesn't get it is as bad as it sounds means if there's a very good chance that there won't be ribus so according to rib I think it is there is no ribus theall if it's paid on time this zero interest then even if you take interest it's okay this is just a picture we saw the guy dipping his bread into the fish brine this is the story with I'll buy the pumpkins when they're small you have to give me larger ones later hav from a we said if the is there in front of you and he says it's okay so then the Jew could give the loan to the non-jew and P on Paris we said already here's a picture of H I like this one the if the the guys that don't act well they they became the horses for ra is Maz we said in in diamonds is a special King that we didn't know about before the bottom line is say when they tell you things are hard it's not as hard as they tell you it is I thought was a very gaka peric I'm going to miss it how about this one wonderful day have a wonderful day