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how did you give my okay so from stocks
from Investments not just
stocks so let's say a person has a
$100,000 in cash or10 ,000 whatever the
numbers is it's all relative and he
wants to invest
it and uh the investment goes up in
value now he does not have to give on
the money until he realizes that gain
meaning so long as he did not sell that
investment it's not a real gain it's an
unrealized gain and therefore he does
not have to give Mas on it and he should
not give Mas on it because he doesn't
really have the profit yet even to
$10,000 went to a million he bought a
stock at $1 and it went to whatever it
went to and he made a million dollar now
until he sells that stock it's not
really a million
dollars It's Paper
gains only becomes realize gains once he
exits the position the minute he exits
the position he has to calculate his
gain and he has to take M from that gain
whatever the gain is let's say he went
10,000 turn into 100,000 so he has
$90,000 in gain he has to take 10% at
least of the $90,000 $99,000 and give
that as male after that he reinvest the
money into something else uh this
becomes a lot more complicated for
people that day
trade and the reason why is because they
do so many transactions the vast
majority of them lose or break
even uh some of them gain but so little
that they end up losing so it becomes
much more problematic to gain m
for something like that usually you're
not going to be able to do uh a m like I
just explained because you're holding on
the position for could be uh seconds or
minutes uh so usually people that are
have uh they are going to uh give M
based on the gains on a quarterly basis
on a monthly basis on a yearly basis
depending generally speaking the word of
advice is to try to give M as often as
you gain it as soon as you got a gain
try to get the the Mas and why is
that because until you give the M you
don't have a benefit from it you don't
have a Mitzvah in your hand now why
would you want a
Mitzvah a couple came
to Shalom and they told
him uh we have a boy that supposed to
doit but the father is very very sick
and he's not going to be able to attend
theit so we thought maybe we should
delay
theit until maybe the father is going to
get better in a few days and uh we could
do the
Brit what does the r
think looked at him he says do theit
right
now oh you shouldn't wait no no right
the second right now you do it tomorrow
we'll do it we have to get the mo right
now right now do it right away get a mo
right now do whatever you can to get to
Mo right now and do
the so the couple they come to one of
the biggest rabis in the world someone
that talks to the people of the other
world on a regular basis he says do
right now you do the Brit right now so
they call the mo the moel comes
everybody's ready to see the little baby
get bit all of a sudden they see the
father come out of the room
dancing m music
like he was never sick in his
life but then after that okay uh we have
to go back to to the explain to us what
just happened
here a few hours ago the guy was goess
was almost dying now he's dancing no so
they come to and they say teach us what
happened here what is it like a cabala
thing no no no not cabala at all so you
see when someone gets
sick has to send an angel to heal
him right send an
angel send to heal the person that's
sick but sometimes the person doesn't
have the Merit to get Raa to come visit
him right away he has to suffer a little
bit a week a month a year
whoever so how do you get an angel to
come how do you get an angel to come to
heal you if you don't have the Merit to
get the angel to come
says you told me you
have what happens
in comes the Angeli comes Prophet comes
and they tell listen since you're
already going down there we're supposed
to go there next week to heal this guy
why just take care of that
also heal the guy you got that's why I
told you me right now bring the angel
right
now so when you have when you have any
mitvah
in front of you that mitvah is the most
important Mitzvah in the world meaning
on
Monday on Monday morning you just got
out of the bathroom what's more
important keeping Shabbat or
saying
saying why now if you violate Shabbat
it's correct if you don't say it's not
so how come is more important because is
right now because you just went to the
bathroom you have to see Shabbat is in
five days from
now you understand so right now the
Mitzvah you have right now that's the
most important Mitzvah in the
world so when you got income you got a
paycheck most important mitvah give
right away do not delay why don't delay
it's OPP dovah yeah but I could do even
mitvah later on when I gather $5,000
instead of
$50 why you have an opportunity to do to
share this mitvah over 500 times instead
of one
time yeah but maybe the it's going to
help more if I give 5,000 who is it
going to help it's gon to help you you
could do more mitv every time you give
it another Mitzvah you should do that
you should do MIT as often as possible
even though it's sometimes a uh uh
difficult to do it whether it's uh you
know you're you're only making small
money so it's not like every time you
get $20 you take M out of it and you
give it to somebody so the way you
already start developing the mitvah is
you already separate the money meaning
you don't necessarily have to give it to
the end user to the the organization
right away let's you got $20 then $5
there $500 there and so on you don't
want to give every single day so what do
you do you take the Mas out of the money
right away you put it in a box or some
special account and then when you decide
to give it you give it but the key is to
try separate that money from your money
immediately like it's Kim you guys know
what Kim is K is we not allowed to grow
two different fruits together and root
them together to make a new fruit it's
forbidden two items two items right so
you you're not allowed to do two two
different things it's forbidden so the
when you have to look at your money as
if the money and your money are they're
forbidden to be next to each other
separate the money why cuz that once you
get yourself used to separating the
money right away you already start
thinking it's not my money it's not my
money is money hashm gave me 100% I got
to take his share 10% over here 90% over
here finished and then whatever you
decide to give it to whoever you want to
give it to at that point but you have to
be very very strict when it comes to it
and you have to try to do it as often as
you can uh simply because like I said
it's a mitvah and you got to try to do
as many mitvah as
possible so as far as Investments the
long and short of it is when the gains
are realized gains are realized uh
especially when it comes to real estate
stocks things like that that could
change value uh you know uh aggressively
in a short period of time one day the
stock is
10 so you have to uh take that into
account and uh don't give M ahead of
time uh simply because again it could be
uh it could be a major uh change in a
very short period of time do it only
after you realize the gain oh and last
thing last thing I could tell you this
is I know from the business world
world is uh for tax
purposes uh this has nothing to do with
MIT this is just a financial benefit
some of my clients uh in the past when I
was in a in a business of investing
people's money uh they would when they
would give M to uh to their whatever
they wanted to do they would actually
give it in stock form instead of in
money form meaning let's say they had uh
10,000 shares of XYZ company that
appreciated in value instead of selling
the stock and then giving male from that
they would just give a th000 shares to
The
Entity why because when you sell the
stock you have realize gains you have to
pay taxes on
it so whereas if you donate the actual
shares to the company then what ends up
happening is that the company is a uh
you know they they have to uh deal with
the taxes and if they're a nonprofit
they don't have to pay taxes on it so
you have a tax gain from that now don't
do that if it's like
$100 like don't bother the the the the
rabbi or the uh the whoever you want to
give it to for some you know1 or $500 to
open some brokerage account if it's a
substantial amount of money it's you
know tens of thousands of dollars and
it's significant then it's worth it for
them to have a brokerage account yeah
but if it's like $50 something like that
don't do that to them just give them the
money and you know you deal with the
taxes but if it's a substantial amount
they they may even want to keep it who
knows but either way that's a uh that's
a way that people take advantage of the
US tax code us tax code by giving away
stock or or actual an asset rather than
giving the uh the money itself yes I'm
sorry I'm taking up
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