Lending /Borrowing Money. Doing it right according to Halacha! Rabbi Yakov Zev Smith

loves I need him so why didn't he support them why Department so may answer conditions in other words we have to have Muslim we have to have a ticket to Canadian by helping a Nani that's our ticket to Canada says Russia asked the same question foreign but early in history asked this very question and that is you made this world and it's so imbalanced the iranium that have nothing Ashima have so much enticing Apostle can tell them yasiv is why is this world so imbalanced and there's a person gave his emiakula mashirim has it the biggest threat to a year is when he came to hesit because loves to you but you know what these these These hazal are teaching us that beat you got it all wrong you think that he has a problem and I have to be there for him foreign [Music] have to lie and say why do we have to suffer because of them we have to have a ticket and therefore the point anime have to suffer but this is a year this way of looking Adam if I have extra the person gave me this because of being from the gabbas not from the from the name is again you know imagine you have an older couple have a family or anything and every Hanukkah they give out Hanukkah guilt but this year can I know there's just too many clothes so they decide they're gonna put an envelope and write each one's name and they're gonna ask someone to give it out they push it again don't have to give out to somebody so many children and they choose an orange you're gonna get all the money imagine this kid gets up on a chair goes okay everybody line up no talking quiet he turns to his father quiet ask me for the money father because I'm giving you money behave a childish nourished attitude it's not your money you're giving out the health to save this money you know that shot in the Posse that's shot to burst them gave you his money Nixon now but you know says this not just me I made up the muscle you know who says this is and here like orphan you see the fire burning off the pages the words that he writes he asks on this person if the burnish them holds it's to give a loan so talk straight and say why in foreign if you wonder why do you have so much money he has so little you know the answer is you have to lend it to someone else I gave it to you as a gizmo like that child that's giving out the burnston's money or his money but it's not simple you know why you have extra you know you have to give a temperature you have his money and therefore he says that's shot like Sia like Kenisha you're not a malva you're not you you I want to curse at toys I am you I'm giving you your money you have to suffer because of me at least let me do it like a mensch and we care that's why there's an Isabella a ribbous if you have his money how do you how dare you take with us you know and the whole shot on the post if you like to say thank you to the mouth but listen how the plastic flows beautifully when you learn it you're later this week in if you have extra money you know why it's there to help someone else why is money like see you like in Aisha ramban says don't be like a mother I am a mouth what do you mean parent says no you're not a mouth you're a gizba you're a trustee you're an anacle giving out this day this money is on this past is the exact same shot he just adds that you're an API tropis the ramban in one stickle he says which it will soon see the very important part of this Mitzvah that ever has to feel the the field is an event but then he says don't be a malva and don't take ribbous but don't take any trailers from the mitzvah what's their mind mean Terraces that's the way the system works the life has to feel that he owes money and he can't sleep at night until he pays back but the mouth has to feel he did nothing he came and expect the ashikayak foreign foreign that's a pretty good deal that's a great investment any quotes from the side of but primarily in your name of momentous which is very challenging to give of your money is we realize we have to be from the gabbas let's do it the malva has to give it and realize like the you know the the reprinted now the boys and other ones they have a appearance you with me that's the unique privilege of giving him alone and then you understand it always a plea to me the midst of top pay where he writes the Mitzvah is not to hold back from giving a loan right before shemitah and then you have to realize you know today we write the principal so Smith is almost irrelevant but in those days there was no there's no principle know that you never lose by doing a Mitzvah if you give you get back if you don't give the money will go elsewhere it's like the beautiful words of the majors in devaram darling hey you never ever lose you can't you won't lose by doing a mitzvah he has a very unusual title we say that every single day in in the video before in the end of pericard gimmel he says rabbis Palm him I wondered we say sir when someone has a business investment he works hard to make it work he polishes it and he makes it look good do you have the same approach to a Mitzvah do we feel the benefit of a Mitzvah we have to give a video a Mitzvah is not as valuable as a investment and if we make that practical when someone's in business and this is a customer approaching he's Overjoyed no do we have the same when we see a potential loiva approaching or a mussolic approaching that's the average and then you can understand he says and I'm not gonna type two words I mean it's so on on unbelievable how he writes it if someone doesn't loan money order um I'm not gonna text that but you know what you know what he's referring to because in paris's a where again the plastic revisits the Mitzvah he says if you don't give an Alvar it's a Dover bully owl that's the same word the plastic uses so he says if you don't give a loan all those uh accusations why and here's what like my point in Allah myself the Mitzvah of loan is supposed to be a win-win situation the lawyer gets what he needs but the malva is gaining the broker besides and basically it should be a win-win situation but the problem is sometimes people get burnt and will soon see that's the life is you know Corbin but the Mitzvah should be something that shovel on it's just a great investment I could use money to give it to a guy I'll make a a thousand dollars but if I lend it to a kid I have the midst of alpha but there's another gem in this possible because the truth is when someone makes a husband loaning lending money is a big risk and the truth is the the said of the story that the larva has the less chance of getting back the money you know he made seven questions he told us all them he needs money for the next one see number eight on the list you know and you could have you could have Molly to roots but you know what the answer is look at the plastic quoting the the tantrumah Andi when it comes to an Italian like this just turn around the story make believe he's the malva and you're the lever then all of a sudden the taruto Melt Away and that's really the estate because I have only one pair of shoes I have to give it to the Ani it's not true so I saw a number of posts say the chat not that you have to give him if you only have one pair of shoes but what would you want and he should do to you in this situation or to put it bluntly you don't have to give him your shoes put yourself in his shoes and think what he's going through so look what how much guidance there is in this Posse as the army shot but it's all to make it a irresistible offer and has to be shoveled on him now again you know people have a business so that's their how to happen also when someone has extra money you have to be the masculine adult to see I have his money I'm a gizm on his money and to do it with simcha masculine is the quality of the mitzvah now of course points out if someone does lend money but he takes ribbous is when there's no rib is being taken but what's really interesting this is only half the picture because in parishes we a as I told you earlier right it's close to chevias but look where the plastic talks urging us not to lose this golden opportunity foreign but it's frightening the the blial accusation I'm similar to another but if you realize it's a win-win situation then has meaning and that's one of the icky side is now which of the circum is the actual source of so that is interesting mostly showing them learn so that's the source The Shield is learned from the Posse but don't forget all the greater the rise with two of them and that's why La maiser is something that we have to realize is a screws that we should be there by nationalism to give out his money quotes that it's not just you know I saw the Raj but asked a question the famous rajman why you don't make a mix why you don't make a broken right so his there it is because the person might refuse but if you look at the Tomb in the beginning of Simmons innocent he says because it's an unfortunate situation don't forget it you're looking to take what does it say the broker is silver so he says basically you can't make a broken because the life is going through an ordeal it's a horrib in his life at least as a malvert realize like realize you're giving him back his money and as much as we can try to give him that feeling that I'm giving you what's yours don't worry pay it back when you can but this is only half of the story maybe more importantly is the other half of this incredible mitzvah and it's and that is no suck him at all talking to the liver by the malva there's soak him in in mispatim and we're a but there's one possic and tell them that speaks volumes more than the Torah and that's the pastor can tell them the mere fact that David Amela calls a person doesn't pay back his loans Russia speaks volumes of the obligation of the liver to pay back his loans besides the fact that if he doesn't pay back his loan it's Geneva gazella many points can hold not paying back loans is this violation besides the fact that really in a certain sense is when someone is puta remember Palm one said the ram in the end of it right to how how a person has to be trustworthy and devoted to his employer he has to be an honest worker and look at Yahoo how he worked Faithfully for loving foreign like they say he's lacking the kavayas but the truth is there's more than just the miyala bahara Hashem there's another element here that and that's the fact that a person that takes money and doesn't repay it is ruining it for everybody else this mitzvahara becomes something that I heard from many people I think everybody has their own story they got burnt and taking something as opposed to epitomize a person could even think I I won't lend money again and do we blame him foreign and if you're looking to say if I can see them and send your address and the rav says it in Hawaii even if someone's an iron is a campaign came back as loans but he's still including live in Russia unless you think that word Rush is used lightly I'm going to tell you achuva from the magnet is I could make up such a story even if I tried but someone asked by the way and right before levite it was a big circle why because it seemed that two rich men approached the Salman who husband never had big time but he had a lot of and he left the penniless and they said if you bury your husband wear your husband next to our father will pay up all your hivas and we'll support you and he threw and he's gonna give five hundreds of him today no irresistible offer one problem their father was the stats Russia officially to the extent he was buried by the by the edge of the basic Forest next to the gate and no one was what was in his distance and they gave the Armada the choice to Children the man of choice and they are not accepted it you know she had no money she jumped at the occasion right before the levia the Maspeth says why aren't you bearing this time next to this Russia I'm not letting and they quickly asked about him what should they do so he said first of all this Russia was was Nifty many years ago and could be after after a year ready you know a big capara but then he had at the end and that would seem to be his the winning argument what's worse to be buried next to a Russia or to be a Russia and this time left this world as a Russia really looked at janem's Pluto Russia but there's more to it I think this also has to be mentioned rebellious heard this story from Israel repairs that was an Adam of the altafen Kellum repair service Callum who heard it from Israel solanto salt heard it from zundel solanta his Rabbi who heard from the balamis of it's printed in probably half a dozen reliables Farm but there was a talmud in Village said he has to go home and take care of his health he sent the Bahu with him and and the traveling they stayed overnight and in and they were sought in payment seven through to seven fruits so the Yankees don't worry just get better and your pay band way back to Yeshiva but the birthstone had a different plans in the book was Nifty a crime one night with learning was pledge late at night and he sees this is dead so yes like you know what are you doing here because remember I came with the NFL everything was fine but I had a problem I owed seven protists and there's no entry into Illinois if you owe money I said but it's not my fault I I didn't choose to die he said so the gave me permission to come back to this world and make sure it it it it takes place yeah but please take care of the seven Brutus and he was never this is the way you're supposed to live yeah Hashem this is the out mission takes a new meaning you know we just landed in Paris yesterday yes we had a great advice to Maisha set up a Judicial System you'll have bought the Denim and gam Kola um foreign but they're going to live their lives they're going to have dinner they're going to think uh I I know better yeah all these excuses then he owes money and you know you know return tickets so yesterday was saying you have to do it for people of your NFL what's gonna be and this is another one of the ordeals of the life of Allah besides taking a precious mix and ruining it but look what he's doing to himself foreign [Music] he's ruining it for all the the needy life and that's why it's important to to give this picture you know there's something that he's rude he's ruining it for others I heard from Rebecca kamenetsky many years ago but it left a tremendous relation he has to cash in the mission of his parent Base mission youth gimmel says what's the the days the right way to go so there are few choices which is very nice a person that has a vision he'll act and live differently then the next mission is what's better hurray rap but then comes the end it doesn't say uh anyways what does it say Live Savannah Michelle and then he slim says every part of it is and here it's not and what's the size and what's actually she said I learned this firsthand I said a story about him when he was traveling from Minsk to vilna his wife was expecting it was a terrible weather it was a a ferocious storm and it was coming Shabbos and he came you know there was no ETA in those days he came to Geisha City there was one year in the city and he was overjoyed the membership with me he knocked in the door I said I have a wife expecting him could we stay for Shabbos absolutely not and slam the door on his face so he said it we came to hello Shabbos because we had to go to go in a whole story he said after I came there the receiver Epstein also came there with the same kabbalah's condom as a player what happened it seemed this year it once had tooken Miller tonight and decided to go shopping because the price you can't be beat and took all the stuff and ran so you made another that's it no more has it so Bianca said tell Zafar this was a gun of a terrible person but look what he did for others he put my wife and my my life in danger he was the Brazilian of the um so he said when your person is the recipient of hasid and doesn't act accordingly is the opposite of the Royal Sun Island you know what the crime is you know it Louisville said you do a Mitzvah you never lose Mitzvah it's the greatest investment and you're telling them it's not true you do a Mitzvah you're going to lose everything you're gonna make a sure not to a Mitzvah again she said it's very much foreign and this is something that has to be mentioned you know this is malva's life the stipler was once asked for Brock someone said he he borrowed money he can't pay back so type of rice Russia rice summoned bars without a plan it's a Russia like the rush of Allah you shall him and what about Prius some people respond to myths is better than them young age so he once came exactly the day of payment and he brought the money back he paid the game so the balance is red but you have to come yourself because yeah once was insisted I'm mailing his own mail who said in this mail there's a bill and Prius foreign but the point is it's besides everything it's a Mitzvah it's our ticket once I I have a respect for certain rashishiva who tried very hard he had beautiful yes Eva he came very difficult situation and she even closed so someone told me he met him a little while he says what's the Bathsheba doing now that I'm harving in the priest mitzvah in other words he could have declared bankruptcy like uh unfortunately he's done but instead he worked to pay every last penny that he owed see that's a Target that's the time because it's thoughts and it ends with erlakidominus the the entirely small has a special thrill that Elijah should say listen to the Thriller Hashem again I think that's the most important part he shouldn't be a a Hashem that people do mitzvahs and they they have gerato but it's interesting people hide behind like Kenosha you know how to oppress me and all that it's a very supposed to my apartment storm is in our times he has to bring all of his of his possessions to Bears then even America and they only leave him enough that for him not even for his wife or children Katana because wife doesn't get into DACA foreign sell this farm and my my feeling is don't hide behind Tire when it comes to janam's guilt you're learning Torah now you have to harvest the sugya a priest but you have to sell even his farm so is it is it someone in this world doesn't have a house or a car or an awesome even a nice don't forget to have the story of of to say if I could see them even anonymous but the point is there has to be a certain feeling that I must pay up every level is so the malva is such an Exquisite package the malvis look at that he's doing nothing I don't observe yashikaya saliva has to not sleep at night every level is and and I basically have to make sure it happens yeah but people don't know this people don't hear this you know if they might want to but until that happens there has to be a feeling that I have yes proved them you know in stencils someone asked them a question that Prius wait a minute that's when you when you're doing a Mitzvah here you have his money when you when you get back the loan you're not giving your money giving his money not just the mitzvah and and but it's not just that you know you have his money but he has your admittance card to oil my MS now there is a little bit of Rashi and tillam on that Posse live Russia is saying so Rashi quotes and it's really intense don't worry I'll pay back the loan don't worry I'm gonna give back the money you won't have to adopt the bills you won't have to have this expense but you know it's interesting when when Rashi quotes that beautiful marriages she still calls him a Russian because it's fading him malvi are not going to lose but life is awesome but the person pays back the loan is not on the low of his credit there has to be a feeling of I must pay back my craves you know I I hear something in Yeshiva okay lend me a dollar to buy a soda I say wait wait did you write it down are you going to pay it back only a dollar I said okay so tell him can you donate to the soda Foundation you know but you want to loan you're not paying back it's thoughts he said come back next time it doesn't go back right now and pay a dollar you owe money even even less than a dollar but there has to be a hint of the parents have to give their children the fire but yeah and one last point and maybe this will will solve a lot of the problem maybe it's their food before the market we have to train ourselves and our children our tummy them to live with the words of the Ibis and the siddha to put it very simply like this of the surcharge avoid the rights is as avoid as much as possible from taking loans now of course ain't done an FC machine EF sir it is a crisis a person has a medical expense or box Chevy has a simcha or he finds a house and he has to buy a house and he can't do it on his own no I have to call your Gundam and I've seen over the years my experience with other people when someone has has to take a loan when it's the rats in Hashem again it can be a medical expense a a he buys to buy a house he has to make a SIM card if he's going to be focused on doing the Mitzi properly he will pay back trust me when someone is going into the sugar like a lawyer should they'll be saying the problem is which is more often the case when someone borrows money what he doesn't really need he's doing well but you know he has to extend his house he has to do remodeling he has to keep up with the the cones is what the Joneses but he can't afford it but you know today this world it alone is no longer busha it's called the credit card swipe the card or go into a Gamache and they give you money but you are strain but you know when you start the building as the gamara says if you want to lose all your money go into building just do that throw on this yeah once you do it anyhow and suddenly the loan doubles and that's a life again you know tomorrow says in Irving that my mouth and one of them says is someone that has so the belt says you know why he doesn't go to gehenem let's get him in this world that's the way it should be but that's where that's where you're supposed to be and then he has again him of devil and then sometimes the subject becomes ever it becomes alive but the Corbin of the credit card I want to tell you is something that really brought us to a lot of our problems I was yes I couldn't believe I almost started crying so I'm gonna say that credit card outstanding deaths of over twenty five thousand dollars he says you know so what's what's a child it's it's getting to a point that they're so fed up with them they're going to give him a concession I don't know too much about them but they're going to be big Michael part of the loan is it really yeah yeah legal so what's the Shyla his wife refuses to go with it I was brought up I owe money I'm gonna pay his wife does not want to take this concession how are they going to pay back he has no idea what should he do Shalom is is shaking what's going on here this is where we're holding you know they owes money and they'll they'll make a part of it but again this in the summer feels you don't take what you can't pay back because in this writes in the garage Bays youth base lapelible foreign foreign but so much of the problems is I mean I someone told me he's a big ask him you have no idea how many people are making Hassan is with money they don't even have and they're borrowing to keep up their image and they're going into heavy death and heavier depression and it's all because you know the loan system today is much easier I told someone you know I would touch up the word loan today and sci-fi Miami mothers today we walk into a game sure yeah walk with your credit card just swipe with a card but you have to live with that you know what do I do try try living without that that the thing that you think you need now someone came to the Khazana she says he he has been talking that he's going to take a loan and pay it back without a loan that that's that story you know I bought a house Hashem and someone said someone told me he says you know it better eat tuna fish every night but make sure you pay up your loans it wasn't that bad but I listened to him but then I learned gemara it's a parachute listen to Allah if you eat vegetables at least you'll bought sale at least you'll sit in your own home but if you eat fancy food you're gonna be evicted and you have to live elsewhere and this is really interesting a whole Aliso that's a expensive food Toshiba at least with an I didn't have to hide in your attic because you know you're slavish and you spend you're a big spender but you have drivers you have to hide if you eat regular food you could live in the center of the town there's an attitude that that we have to give up with our family and ourselves as well loans more often than not are the beginning of a Corbin and and that's when the risk of losing our admittance card me Allah Hashem will give us the ability to pay the payback when we have a suffix at least ask like we do it every other critical juncture of our life this is something that we're crossing a line that really shouldn't be Crossing devices can work and will work if each does their own the malva does his part the liver does his part I couldn't talk to you foreign shame making sure it's not like your biggest account so Smith's of today's we like to give a big Extra Care to have simply Collins for sponsoring today's ships sponsoring today thank you for sure [Music] okay we don't want to borrow too much time from the island which plastic but it's definitely the right so that according to many pen I loved Africa money any item that's consumed you borrow sugar eggs a diaper it's a halvor be careful it shouldn't be ribbous if you borrow a safer even though English we call it borrowed but it's a bit if you give back to the end that's said if you get you give back a new favorite with the limitation of ribbous if a person will not pay back his loan don't lend it said if you're not sure look at it like an investment will you do it for a financial game then you could do it for the Mitzi game the the try if you if you have to refuse they use a nice lotion a powerful lotion as if it's your problem and I should mention don't say come back next week because it's not going to make help anything tell them straight out I can't do it I have a certain problem now whatever it is and if need be even let a lie to keep the shelling you throw up and there's a Mitzvah said because it's the mitsubishid so even if it ends up losing a little bit of the interest or even a lot of inches according to the Magilla according to the magillas esta it's a mix of tadaka and Ani when someone does uh with panosa isi he's allowed to do it but it's not the midst of Alva but there's no on him either on on a banker or a store credit because this is hispanosa and it's not part of the mitzu of him we did see a beautiful touch in case if you have extra cast of talbas Ami and so on IMA because it's really his money he's suffering because if you at least do it but you asked Kenosha don't make me feel like he's a loser of a character you're a gizba it's a training that says in learning you're not losing by doing the ratsun Hashem ain't enough said if we don't give a loan it's a sign of the way to do it is as if you need to loan all the excuses suddenly milked away the point is the Corbin the kalala the peroneus of the the is when the lawyer Rush of Allah those words of the Tomb are so true regarding the lover the ichatkes is that even if this if there's an ionis and it's not it's something that a person has to work to pay back every less Pluto now even though the mice you know but you're not doing him a favor you have his money and give it back to him Dubai slam will repay the Malvern but the life has to know the khaib is still unpaid a person that says lend me a dollar don't say that you want to down say give me a dollar I hope to pay you back but don't say lend if you're not going to pay him back forget the gemara says and I forgot to mention but it says you know how to lend money without either a star or Adam so certainly never put yourself in a situation you might forget to pay back the hive the and the most important if you don't have the money you probably don't need them that's just extenuating circumstances and remember itself but if the malva and the light would do their parts the myths will once again be the oil